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Loan Disclosure

Variable Rates

Share Secured - The Annual Percentage Rate (APR) for share secured advanced will be the dividend rate being paid on regular shares offered as security (Index) on the date of the advance plus the percentage shown in the '% Above Index' column. If there is an existing balance on the date of the new advance, the entire balance will be at the new APR. The rates are subject to change annually on the first day of January to reflect any changes in the Index. Any increase in the APR will take the form of more payments of the same amount until what you owe has been repaid. The current Annual Percentage Rate will be disclosed at the time of the advance.

Certificate Secured - The Annual Percentage Rate (APR) for certificate secured advances will be dividend rate being paid on the Certificate offered as security (Index) on the date of the advances plus the percentage shown in the '% Above Index' column. If there is an existing balance on the date of the new advance, the entire balance will be at the new APR. The Certificate must be renewed until the advance is completely paid. When the Certificate is renewed, the APR will change to reflect the new dividend rate. Any increase in the APR will result in more payments of the same amount until what you owe has been repaid. The current Annual Percentage Rate will be disclosed at the time of the advance.