RatesLoan RatesPre-Owned Auto LoansRates effective January 1, 2012

| Type | Term | APR * | Checking with Autopay APR as low as | Checking with Autopay and Direct Deposit APR as low as | Model Years | | | Pre-Owned Auto Loans | 66 months | 3.99% | 3.49% | 2.99% | 2007-2012 | |  | | | | 48 months | 5.99% | 5.49% | 4.99% | 2005-2006 | |  | | | | 36 Months | 5.99% | 5.49% | 4.99% | 2004 & Older | |  | | Your rate is determined by your account relationship and credit score.
* APR is Annual Percentage Rate. Rates are subject to change. Your actual rate and term is determined by your account history and credit score.

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