Consumer Loans  Rates as of June 2008. Call for current rate. New Titled Vehicles (Autos/RVs/Boats/Motorcycles)   Loan Amounts APR Maximum Term Up to 104% on New Autos as low as 3.75** Up to 120 Months   Used Titled Vehicles (Autos/RVs/Boats/Motorcycles)   Loan Amounts APR Maximum Term Up to NADA Retail as low as 3.75** Up to 120 Months   Signature   Loan Amounts APR Maximum Term Up to 25% of gross annual income as low as 6.75** Up to 42 Months For other loan types, contact the Credit Union. All interest rates subject to change. All loans subject to Loan Officer/Credit Committee approval. **All loan rates based on consumer credit score. Freedom 1st Credit Union is a risk-based lender. Real Estate Loans   1st Mortgage   Maximum Loan APR Maximum Term Freedom 1st Credit Union  has a 1st Mortgage Loan Program with competitive rates. Members can apply to refinance their existing 1st Mortgage up to the Conforming Loan Amount of $150,000.00. Home-Equity LOC   Maximum Loan APR Maximum Term $150,000 *Prime -.50% 120 Months Owner occupied. Loan amount = 80% of appraised value less encumbrances. Open-end rate may change 1st day of January and July. * *Rates are subject to change. Call for current rate. For other loan types, contact the Credit Union. All interest rates subject to change. All loans subject to Loan Officer/Credit Committee approval. **All loan rates based on consumer credit score. Freedom 1st Credit Union is a risk-based lender. 2nd Quarter Share Rates   Share Accounts   Term Minimum Compounding APR APY* W/D Allowed Daily $100.00 Quarterly .60 .60 Yes * Annual Percentage Yield Dividends are compounded quarterly, from date of deposit to date of withdrawal. Dividends are paid quarterly and computed on a full share of $100.00. Account must remain open through the end of the quarter to receive the quarterly dividend. Club Accounts   Term Minimum Compounding APR APY* W/Ds Allowed Daily $100.00 Quarterly .60 .60 Yes * Annual Percentage Yield Dividends are compounded quarterly, from date of deposit to date of withdrawal. Dividends are paid quarterly and computed on a full share of $100.00. Account must remain open through the end of the quarter to receive the quarterly dividend. $10.00 penalty for early withdrawal on Christmas Club accounts. Checking Account   Term Minimum Compounding APR APY* W/Ds Allowed Daily $0.00 Quarterly 0.00 0.00 Yes * Annual Percentage Yield Share Certificate Account                                                                             Rates subject to change each week. Call for current rate(s). Term Minimum Compounding APR APY* W/Ds Allowed Six-Month 1,000.00 Monthly 2.75 2.78 Yes** Twelve-Month 1,000.00 Monthly 2.85 2.89 Yes** Eighteen-Month 1,000.00 Monthly 3.00 3.04 Yes** * Annual Percentage Yield Money Plus Account Term Minimum Compounding APR APY* W/Ds Allowed Daily 1,000 Monthly 2.35 2.37 Yes** Daily 10,000 Monthly 2.75 2.78 Yes** * Annual Percentage Yield IRA / Roth IRA / Education Share Account   Term Minimum Compounding APR APY* W/Ds Allowed Open-ended $1.00 Monthly 2.00 2.02 Yes*** * Annual Percentage Yield Notes for All Certificate Accounts: Dividends are calculated monthly and at maturity can be compounded or transferred. Early withdrawal penalty will be up to 92 days loss of dividends. Additions to regular share certificates may be made at maturity only.    FEE SCHEDULE as of June, 2008 CHRISTMAS CLUB ACCOUNT FEES • Early Withdrawal Fee . . . . . . . $10.00 per withdrawal REGULAR SHARE ACCOUNT FEES • Minimum Balance Fee . . . . $1.00/Month, If minimum daily balance is not met. KIDS CLUB ACCOUNT FEES • Minimum Balance Fee . . . . . . . $1.00/Month, If minimum daily balance is not met. CHECKING ACCOUNT FEES • Overdraft Fee . . . . . . . . . . . . . . . . $30.00/Item • NSF Fee . . . . . . . . . . . . . . . . . . . . . $30.00/Item • Returned Item Fee . . . . . . . . . . . . . . $30.00/Item • Stop Payment Fee . . . . . . . . . . . . $25.00/Request OTHER SERVICE FEES • Items Sent for Collection . . . . . . . . . . $20.00/Item • Check Cashing Fee . . . . . . . . . . . . . .$2.00 per item If balance is less than $50 or no share draft account • Wire Transfer Fee (incoming) . . . . . . . $10.00/Transfer • Cashier's Check . . . . . . . . . . . . . . . . . . $2.00/Check • Money Order . . . . . . . . . . . . . . . $1.00/Money Order • Travelers Check . . . . . . . . . . . . . . . . . . . . $1.00/$100 • Travelers Check for Two . . . . . . . . . . . . . . $2.00/$100 • Account Reconciliation $20.00/Hour/$20.00 minimum • Account Research . . . . $20.00/Hour/$20.00 minimum • Statement Copy Fee . . $2.00/Month or Partial Month • Account Activity Printout . . . . . . . . . . . $2.00/month • Deposited Item Return Fee . . . . . . . . . . . . $8.00/Item • Legal Process Fee . . . . . . . . . . . . . . . . . . . $20.00/Item • Dormant Account Fee . . . . . . . . . . . . $10.00/Quarter                                                                    (Charged after 2 years and account  balance less than $250) • Telephone Transfer . . . . . . . . . . . . . . . . $2.00/Transfer                                                                   (NOT audio response or ATM) • Account Closure Fee . . . . . . . . . . . .$5.00/Account  ( If closed within 6 months of opening) • Automatic Transfer Fee . . . . . . . . . . . . . $1.00/Transfer • Fax (outgoing) . . . . . . . . . . . . . . . . . . . . . . $1.00/page EFT FEES • ATM Transaction Fee . . . . . . . . . . . $1.00/Transaction, at ATM’s not owned by the credit union • ATM Withdrawal Fee . . . . . . . . . . . $1.00/Transaction, Four (4) free per month • Card Replacement Fee . . . . . . . . . . . . . . . $3.00/Card • PIN Reissue Fee . . . . . . . . . . . . . . . . . . . . . $2.00/Pin • ACH Overdraft Fee . . . . . . . . . . . . . . . . . $30.00/Item • Debit Card Overdraft Fee . . . . . . . . . . . . $30.00/Item SHARE VALUE • Par value of one share . . . . . . . . . . . . . . . . . . . . $5.00 The rates appearing in this schedule are accurate as of June, 2008. If you have any questions or require the current rate and fee information on your accounts, please call the Credit Union.