Automobile and Recreational Vehicle Rates***

Year	Term	Rates As Low As	APR* As Low As
2012 & 2011	72 Month	3.49%	3.617%
2012 & 2011	60 Month	3.12%	3.271%
2012 & 2011	48 Month	2.62%	2.807%
2012 & 2011	36 Month	2.49%	2.737%
2010	72 Month	3.62%	3.747%
2010	60 Month	2.99%	3.141%
2010	48 Month	2.74%	2.927%
2010	36 Month	2.62%	2.866%
2009	60 Month	3.12%	3.271%
2009	48 Month	2.87%	3.058%
2009	36 Month	2.74%	2.986%
2008	60 Month	3.37%	3.521%
2008	48 Month	3.12%	3.308%
2008	36 Month	2.99%	3.237%
2007	60 Month	3.62%	3.772%
2007	48 Month	3.37%	3.558%
2007	36 Month	3.24%	3.487%
2006	60 Month	4.12%	4.273%
2006	48 Month	3.87%	4.059%
2006	36 Month	3.74%	3.988%
2005	48 Month	4.37%	4.560%
2005	36 Month	4.24%	4.488%
2004	36 Month	4.99%	5.240%
2004	24 Month	4.87%	5.237%

All of Peru Federal Savings Bank's Consumer Loan Rates are Risk-Based.  Adjustments may be made to the rates listed above based on the customers loan to value & credit scores from the Credit Agencies.

 ***Recreational Vehicle Rates are 1.50% over Auto Rates listed

***Auto Loans older than 1998 will be priced & underwritten as UNSECURED.

*APR= Annual Percentage Rate.  Loan APR calculations based on loan amount of $20,000 and include a $90 document preparation as a prepaid finance charge.

*Rates subject to change at any time.