Loans

Loan Term	Rate (APR)	Monthly Payment
2012 Model Year
36 months	2.59% APR*	$2.89 per 100 borrowed
48 months	2.59% APR*	$2.20 per 100 borrowed
60 months	2.59% APR*	$1.78 per 100 borrowed
72 months	4.49% APR	$1.59 per 100 borrowed
84 months	6.49% APR	$1.48 per 100 borrowed
2011 Model Year
36 months	2.59% APR*	$2.89 per 100 borrowed
48 months	2.59% APR*	$2.20 per 100 borrowed
60 months	2.59% APR*	$1.78 per 100 borrowed
72 months	4.49% APR	$1.59 per 100 borrowed
84 months	6.49% APR	$1.48 per 100 borrowed
2010 Model Year
36 months	2.59% APR*	$2.89 per 100 borrowed
48 months	2.59% APR*	$2.20 per 100 borrowed
60 months	2.59% APR*	$1.78 per 100 borrowed
72 months	4.49% APR	$1.59 per 100 borrowed
84 months	7.49% APR	$1.53 per 100 borrowed
2009 Model Year
36 months	2.59% APR*	$2.89 per 100 borrowed
48 months	2.59% APR*	$2.20 per 100 borrowed
60 months	2.59% APR*	$1.78 per 100 borrowed
72 months	4.49% APR	$1.59 per 100 borrowed
84 months	7.49% APR	$1.53 per 100 borrowed
2008 Model Year
60 months	4.99% APR	$1.89 per 100 borrowed
2007 Model Year
48 months	4.99% APR	$2.28 per 100 borrowed
2006 Model Year
48 months	5.99% APR	$2.35 per 100 borrowed
2005 Model Year
48 months	5.99% APR	$2.35 per 100 borrowed
APR = Annual Percentage Rate. Rates as of 2/1/12 and subject to change at any time. *Valid for terms up to 66 months on 2009 and newer models. Partners 1st checking account and credit score of 720 or greater required.

New Boats, Motor Homes, Travel Trailers & Campers

Rates as low as

Loan Term	Minimum Loan Amount	Rate (APR)	Monthly Payment
60 months	$5,000	6.90% APR	$1.95 per 100 borrowed
84 months	$7,000	6.85% APR	$1.48 per 100 borrowed
120 months	$10,000	6.60% APR	$1.12 per 100 borrowed
144 months	$15,000	6.35% APR	$0.97 per 100 borrowed
180 months	$25,000	6.10% APR	$0.82 per 100 borrowed
APR = Annual Percentage Rate. Rates as of 12/27/11 and subject to change at any time.

Used Boats, Motor Homes, Travel Trailers & Campers

Rates as low as

Loan Term	Minimum Loan Amount	Rate (APR)	Monthly Payment
terms to 60 months	$5,000	7.20% APR	$1.99 per 100 borrowed
terms to 84 months	$7,000	6.95% APR	$1.51 per 100 borrowed
terms to 96 months	$10,000	6.70% APR	$1.35 per 100 borrowed
terms to 120 months	$15,000	6.45% APR	$1.13 per 100 borrowed
terms to 144 months	$25,000	6.20% APR	$0.99 per 100 borrowed
APR = Annual Percentage Rate. Rates as of 12/27/11 and subject to change at any time.

Jet Ski, Snowmobile, ATV - New & Used

Rates as low as

Loan Term	Rate (APR)	Monthly Payment
terms to 24 months	6.75% APR	$4.47 per 100 borrowed
terms to 36 months	6.75% APR	$3.08 per 100 borrowed
terms to 60 months	6.75% APR	$1.97 per 100 borrowed
APR = Annual Percentage Rate. Rates as of 12/27/11 and subject to change at any time.

Personal Loan & Line of Credit

Rates as low as

Product/Loan Term	Rate (APR)	Monthly Payment
Creditline	13.25% APR	Greater of $20 or $2 per $100 borrowed
Creditline Premier	11.50% APR	Greater of $20 or $2 per $100 borrowed
Personal Loan - 24 months	9.15% APR*	$4.60 per $100 borrowed
Personal Loan - 36 months	9.15% APR*	$3.21 per $100 borrowed
Personal Loan - 48 months	9.15% APR*	$2.52 per $100 borrowed
Personal Loan - 60 months	10.15% APR*	$2.16 per $100 borrowed
Over $50,000	10.65% APR	Please call for approval
APR = Annual Percentage Rate. Rates as of 12/27/11 and subject to change at any time. *Rates reflect .50% discount for Partnership Level 1 members. Partnership Level 2 members, add .25%

Home Equity Loan - Fixed Rate Program

Rates as low as

Loan Amount	Term	Rate (APR)
Under 50% Loan-to-Value	Up to 5 years	5.99% APR
	6 - 10 years	6.24% APR
	11-15 years	6.39% APR
50.01% - 80% Loan-to-Value	Up to 5 years	6.99% APR
	6 - 10 years	6.99% APR
	11-15 years	7.14% APR
Maximum combined loan-to-value (CLTV) = 80% APR = Annual Percentage Rate. Rates as of 3/1/11 and subject to change at any time.

Home Equity Line of Credit - Variable Rate Program*

Rates as low as

Loan Amount		Rate (APR)
Under 50% Loan-to-Value		3.00% APR
50.01% - 80% Loan-to-Value		3.00% APR
Not available in Texas. Rate reflects a variable introductory discount of 3% off the indexed rate and is available for six statement cycles from opening. Maximum CLTV 80%. APR = Annual Percentage Rate. Rates as of 3/1/11 and subject to change at any time.

First Mortgage*

Rates as low as

Loan Term	Rate	APR
Partners 1st 30 Year Fixed
0 Points	4.000% APR	4.0997% APR
1 Point	3.875% APR	4.0587% APR
Partners 1st 20 Year Fixed
0 Points	3.875% APR	4.0133% APR
1 Point	3.750% APR	3.6233% APR
Partners 1st 15 Year Fixed
0 Points	3.250% APR	3.4193% APR
1 Point	3.125% APR	3.4404% APR
APR = Annual Percentage Rate. Rate and APR under first mortgage based on $100,000 loan amount. Rates as of 2/3/12 and subject to change at any time.

Credit Cards

Card Type	APR as low as	Disclosure
Visa Platinum	8.99% APR	see disclosure »
Visa Platinum Rewards	10.99% APR	see disclosure »
Advertised rates may vary based on creditworthiness. Rates as of 3/1/11.

Savings

Account	Amount	Rate	APY
Regular & Special Savings	$200 - $499	0.05%	0.05%
	$500 - $4,999	0.05%	0.05%
	$5,000 - $9,999	0.05%	0.05%
	$10,000 - $19,999	0.10%	0.10%
	$20,000+	0.20%	0.20%
Insured Money Management Account	$1000 - $2,499	0.10%	0.10%
	$2,499 - $4,999	0.10%	0.10%
	$5,000 - $24,999	0.20%	0.20%
	$25,000 - $49,999	0.25%	0.25%
	$50,000+	0.30%	0.30%
IMMA Gold	$100,000 minimum	0.30%	0.30%
Vacation Club		0.25%	0.25%
Christmas Club		0.25%	0.25%
Clown Club		0.50%	0.50%
IRA Shares		0.50%	0.50%
APY = Annual Percentage Yield. Rates as of 3/1/11 and subject to change at any time.

Checking

Account		Rate	APY
1st Start Checking		-	-
1st Rewards Checking		-	-
Classic 1st Checking		-	-
Fresh Start Checking		-	-
Premium 1st Checking*		0.10%	0.10%
Business Checking	$25,000 - $49,999.99	0.05%	0.05%
	$50,000 - $99,999.99	0.05%	0.05%
	$100,000+	0.10%	0.10%
Health Savings Checking	$0 - $999	0.05%	0.05%
	$1,000 - $2,499	0.25%	0.25%
	$2,500 - $9,999	0.25%	0.25%
	$10,000 - $24,999	0.60%	0.60%
	$25,000+	0.60%	0.60%
*Fees may reduce earnings APY = Annual Percentage Yield. Rates as of 3/1/11 and subject to change at any time.

Regular Share & IRA Certificates

Term	Rate	APY
3 months	0.10%	0.10%
6 months	0.18%	0.18%
12 months	0.28%	0.28%
18 months	0.31%	0.31%
24 months
Level 1	0.96%	0.96%
Level 2	0.71%	0.71%
Level 3	0.46%	0.46%
36 months
Level 1	1.20%	1.21%
Level 2	0.95%	0.95%
Level 3	0.70%	0.70%
48 months	0.80%	0.80%
60 months	1.09%	1.10%
$500 minimum deposit. Rates as of 12/9/11 and subject to change at any time. Rates are fixed for the term. Annual Percentage Yield (APY) reflects certificates paid monthly and into the certificate. Substantial penalty for early withdrawal.

Rates Disclosure

All rates are subject to change. All loan rates stated as annual percentage rates and all loans subject to normal loan underwriting guidelines. Loan discounts are lost if moving to another tier with different discount. Other restrictions as to terms, financing options, and minimums may apply. The finance charge for Creditline and Creditline Premier is computed at a periodic rate of .03630% and .03151% respectively, per day, applied to the loan balance for the exact number of days each loan balance is outstanding. The minimum monthly payment is $20 or $2.00 per $100 borrowed, whichever is greater and minimum payments are required monthly for accounts with balances.