Rates as of August 27, 2010. Prime is 3.25% as of December 16, 2008 as quoted in the Wall Street Journal

HOME EQUITY LOANS
Fixed rate. Property must be owner-occupied as year-round residence.
Term	Interest Rate	LTV	APR*	Payment/$1,000
5 years	5.99%	75%	5.99%	$19.33
10 years	6.49%	75%	6.49%	$11.35
15 years	6.75%	75%	6.75%	$8.85
20 years	7.25%	75%	7.25%	$7.90
*Rates and APRs shown reflect a 1/2% rate reduction for automatic payment deduction from a Rollstone Bank & Trust Checking or Statement Savings Account.

NEW CAR LOAN PURCHASES
Minimum 10% down payment (cash or trade). Not to exceed 90% of NADA Retail Value.
Interest Rate*	APR*	Maximum Term	Payment/$1,000
5.50%	5.50%	24 months	$44.10
5.99%	5.99%	36 months	$30.42
5.99%	5.99%	48 months	$23.48
6.25%	6.25%	60 months	$19.45
*Rates and APRs reflect a 1.00% rate reduction for automatic payment deduction from a Rollstone Bank & Trust Checking or Statement Savings account.

USED CAR LOAN PURCHASES
Minimum 10% down payment (cash or trade). Not to exceed 90% of NADA Retail Value.
Model Year	Interest Rate*	APR*	Maximum Term	Payment/$1,000
2009 & 2008	6.50%	6.50%	60 Months	$19.57
2007 & 2006	6.50%	6.50%	48 Months	$23.71
2005	6.99%	6.99%	36 Months	$30.87
2004-2001	7.99%	7.99%	36 Months	$31.33
2000 & older	11.50%	11.50%	36 Months	$32.98
*Rates & APRs reflect a 1.00% rate reduction for automatic payment deduction from a Rollstone Bank & Trust Checking or Statement Savings Account. Autos 2000 & older not to exceed 90% of NADA Trade-in Value.

Other Loans	Interest Rate and APR	Other
ELOC (Easy Line of Credit Overdraft Protection)	Prime + 5.00%. Minimum monthly payment must be automatically deducted from a Rollstone Bank & Trust checking account.	Minimum: $500. Maximum: $3,000
Passbook Loans	Passbook Rate + 3.00%	Loan may not exceed 100% of passbook value.