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Auto Loan Rates⁵Rates Effective: July 1, 2010
	Maximum Repayment Period	Annual Percentage Rate (fixed) with Automatic Payment¹	Annual Percentage Rate (fixed) with Regular Payment	Maximum Amount Financed
Cars, Trucks, Vans - New (2009 & 2010)²	36 months	2.99%	3.49%	100%
	48 months	2.99%	3.49%	100%
	60 months	3.24%	3.74%	100%
	72 months	3.74%	4.24%	100%
	84 months³	4.24%	N/A	100%
Cars, Trucks, Vans - Used (2001 - 2008)²	36 months	3.74%	4.24%	100%
	48 months	3.74%	4.24%	100%
	60 months	3.99%	4.49%	100%
	72 months⁴	4.49%	4.99%	100%
¹Automatic payments are deducted from your OnPoint checking or savings account. Rate increase if Automatic Payment not used. ²Vehicles meeting EPA SmartWay Elite standards receive a 0.50% discount off APR. Discount does not apply to existing OnPoint auto loans or promotional pricing. ³Minimum loan amount is $15,000.00 on 84-month auto loan term. ⁴72-month term is available only for 2007 and 2008 vehicle model years. ⁵A 48-month new auto loan with an APR of 2.99% would have a monthly payment of $22.13 per $1,000 borrowed. A 48-month used auto loan with an APR of 3.74% would have a monthly payment of $22.46 per $1,000 borrowed. Must meet OnPoint's membership and credit requirements.

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Drivers Seat^SM Auto Loan Rates⁴Rates Effective: January 1, 2010
	Maximum Repayment Period	Annual Percentage Rate (fixed) with Automatic Payment²	Maximum Amount Financed
Cars, Trucks, Vans - New (2009 & 2010)	36 months	9.49%³	100%
	48 months	9.49%³	100%
	60 months	9.49%³	100%
	72 months	9.49%³	100%
	84 months¹	9.74%	100%
Cars, Trucks, Vans - Used (2001 - 2008)	36 months	9.74%³	100%
	48 months	9.74%³	100%
	60 months	9.74%³	100%
¹Minimum loan amount is $15,000.00 and maximum loan amount is $20,000 on 84-month auto loan term. Automatic payment required. ²Vehicles meeting EPA SmartWay Elite standards receive a 0.50% discount off APR. Discount does not apply to existing OnPoint auto loans. ³Automatic payment required. Maximum loan amount is $20,000. ⁴A 60-month new Driver's Seat auto loan with an APR of 9.49% would have a monthly payment of $21.00 per $1,000 borrowed. A 60-month used Driver's Seat auto loan with an APR of 9.74% would have a monthly payment of $21.12 per $1,000 borrowed. Must meet OnPoint's membership and credit requirements.