Visa/Signature Loan

Visa Gold

Fees	Credit Limit	Term	APR	Rates As Of
No Annual Fee	$5,000 +	Open Ended	8.99%	April 24, 2008
APR = Annual Percentage Rate

Visa Classic

Fees	Credit Limit	Term	APR	Rates As Of
No Annual Fee	$500 - $4,900	Open Ended	11.99%	April 24, 2008
APR = Annual Percentage Rate

Signature Loan

Credit Rating	36 Month APR	60 Month APR
A+	10.79%	11.39%
A	11.09%	11.69%
B	12.59%	13.19%
C	15.09%	15.69%
D	17.50%	17.50%
E	17.50%	17.50%

Rates as of April 24, 2008 APR. = Annual Percentage Rate Maximum Term For A Signature Loan Is 48 Months.
All rates are subject to change as a result of Board of Directors' action.