TODAY'S RATES: New Auto/RV/Boat
Model years '05-'08	Approx. Repayment Term	Present APR as low as*
New Auto/RV/Boat	24 months	4.49%
New Auto/RV/Boat	36 months	4.79%
New Auto/RV/Boat	48 months	4.89%
New Auto/RV/Boat	60 months	5.09%
New Auto/RV/Boat	72 months	5.59%
New RV/Boat Only	73-180 months	7.00%

TODAY'S RATES: Used Auto/RV/Boat
Model years '01-'04	Approx. Repayment Term	Present APR as low as*
Used Auto/Boat/RV	36 months	5.75%
Used Auto/Boat/RV	48 Month	5.99%
Used Auto/Boat/RV	60 months	6.35%
Used RV only	61-84 months	7.49%
Model years '97-'00	Approx. Repayment Term	Present APR**
Older Auto/Boat/RV	36 months	6.50%
Older Auto/Boat/RV	48 months	6.50%
Older RV only	49-84 months	7.74%

TODAY'S RATES: Auto Advantage
Future, current, and previous three model years**	Approx. Repayment Term	Present APR as low as*
Auto Advantage	24 months	5.24%
Auto Advantage	36 months	5.54%
Auto Advantage	48 months	5.64%
Auto Advantage	60 months	5.84%
Auto Advantage	72 months	6.34%

TODAY'S RATES: New Sportscraft
Model Years '05-'08	Approx. Repayment Term	Present APR as low as*
Sportscraft	24 months	5.24%
Sportscraft	36 Months	5.24%
Sportscraft	48 months	5.24%
Sportscraft	60 months	5.44%
Sportscraft	72 Months	6.49%

TODAY'S RATES: Used Sportscraft
Model Years '01-'04	Approx. Repayment Term	Present APR as low as*
Sportscraft	36 months	5.84%
Sportscraft	48 months	5.99%
Sportscraft	60 months	6.54%

TODAY'S RATES: Auto Equity Loan
Loan Type	Approx. Repayment Term	Present APR as low as*
Auto Equity	36 months	4.99%
Auto Equity	48 months	4.99%
Auto Equity	60 months	5.19%
Auto Equity	61-72 months	6.24%

TODAY'S RATES: Cash Reserve Account
Loan Sub-Account Description	% Above Index	Daily Periodic Rate	Present APR as low as	Minimum APR
Cash Reserve Rate may vary based on credit worthiness	5.50%	0.028767%	10.50%	5.50%

TODAY'S RATES: Visa Products
Visa® Products:	Monthly periodic rate	Introductory Annual Percentage Rate (APR)	Standard Annual Percentage Rate
Visa® Capital Card (fixed rate)	1.2417%	9.90%*	14.90% after first 12 months
Visa® Gold Card (variable rate)	0.8333%	6.90%**	10.00% after first 6 months (Prime +5.0%)
+ Visa® Share Secured Gold Card (variable rate)	0.5000%	N/A	6.00%*** (Prime Rate +0.0%)
++ Visa® Share Certificate Secured Gold Card (variable rate)	0.5000%	N/A	6.00%**** (Prime Rate +0.0%)

TODAY'S RATES: Unsecured Personal Loans
Loan Sub-Account Description	Approx. Repayment Term	Present APR as low as*
Unsecured Personal	12 months	7.79%
Unsecured Personal	18 months	8.79%
Unsecured Personal	24 months	8.99%
Unsecured Personal	36 months	8.99%
Unsecured Personal	48 months	9.70%
Unsecured Personal	60 months	10.39%

TODAY'S RATES: Education Loans
Term	Rate Structure	Present APR as low as	Minimum APR
4 Year Draw Period	Rate Fixed Between Advances	9.00%	8.50%
8 Year Draw Period	Rate Fixed Between Advances	9.50%	8.50%
4 Year Draw/8 Year Repayment	Variable rate	8.50%	8.50%

TODAY'S RATES: Variable Rate Loans
Loan Sub-Account Description	% Above Index	Present APR as low as*	Minimum APR
Line of Credit, Personal	7.50%	14.25%	14.25%
Share Certificate Secured	3.00%	5.25%	3.00%
Share Secured	3.00%	5.25%	3.00%

*Annual Percentage Rate. Rate listed includes a quarter-percent discount for electronic payment and assumes creditworthiness. Other rates and terms may apply. Rates accurate as of today - and subject to change without notice.