Consumer and Home Equity Loans

<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0><tr> <td valign="top" colspan=2 height=85 BGCOLOR="#FFFFFF" TEXT="#080000"> <div> <FONT SIZE="5" COLOR="#000000" FACE="Arial" ><B>                      </B></FONT><B>  TRANSIT OPERATIONS FEDERAL CREDIT UNION</B></div> <div> <B> Products & Services</B><FONT SIZE="1" COLOR="#000000" FACE="Arial" ><B> </B></FONT></div> <div>  |  <A HREF="id23.htm" TARGET="_top" TITLE="Savings"><U>Savings</U></A>   |   <A HREF="id36.htm" TARGET="_top" TITLE="Share Drafts (Checking)"><U>Share Drafts (Checking)</U></A>   |   Consumer and Home Equity Loans   |   <A HREF="id25.htm" TARGET="_top" TITLE="Home Mortgage and Reality Services"><U>Home Mortgage and Reality Services</U></A>   |   <A HREF="id37.htm" TARGET="_top" TITLE="Other Member Benefits"><U>Other Member Benefits</U></A>   |   <A HREF="id39.htm" TARGET="_top" TITLE="Calculators"><U>Calculators</U></A></div> <bR> <bR> <bR> <bR> <bR> <div> </div> </td> </tr><tr> <td valign="top" width=180 BGCOLOR="#990033" TEXT="#080000"> <div> <A HREF="index.htm" TARGET="_top" TITLE=" TRANSIT OPERATIONS FEDERAL CREDIT UNIO"><U><B>Home</B></U></A></div> <bR> <div> <A HREF="id18.htm" TARGET="_top" TITLE="About"><U><B>About</B></U></A></div> <bR> <div> <A HREF="id21.htm" TARGET="_top" TITLE="Products Services"><U><B>Products & Services</B></U></A></div> <bR> <div> <A HREF="id17.htm" TARGET="_top" TITLE="Contact Us "><U><B>Contact Us</B></U></A></div> <bR> <div> <A HREF="id20.htm" TARGET="_top" TITLE=" Hours Location"><U><B>Location</B></U></A></div> <bR> <div> <A HREF="id26.htm" TARGET="_top" TITLE="Privacy"><U><B>Privacy</B></U></A></div> <bR> <div> <A HREF="id19.htm" TARGET="_top" TITLE="News Events"><U><B>News & Events</B></U></A></div> </td> <td valign="top" height=395 BGCOLOR="#FFFFFF" TEXT="#080000"> <div> <I><B>                            </B></I><I><B>Consumer and Home Equity Loans</B></I></div> <DIV ALIGN="LEFT"></DIV> <div> <I><B>Click here for:</B></I></div> <div> <A HREF="id43.htm" TARGET="_top" TITLE="Loan Applications"><U><B>Loan Applications</B></U></A></div> <div> Rates are effective as of May 21, 2008</div> <div>                                                      Rates you want and terms you need</div> <DIV ALIGN="LEFT"></DIV> <div> Whether you apply in person, through the mail, or over the phone, you will find our loan </div> <div> programs are fast, convenient, and structured to meet the needs of your entire family. </div> <bR> <div> <B>Auto Loans</B></div> <div>  <FONT SIZE="3" COLOR="#000000" FACE="Arial" > </FONT></div> <div> <TABLE BORDER="2" CELLPADDING="2" CELLSPACING="1" WIDTH="456" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="BOX" RULES="ALL" ALIGN="BOTTOM" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=TOP BGCOLOR=#DDDDDD HEIGHT= 16 WIDTH="221"><div> <B>Loan Type</B></div> </tD> <tD VALIGN=TOP BGCOLOR=#DDDDDD><NOBR><div> <B>Annual Percentage Rate (APR)</B><FONT SIZE="2" COLOR="#000000" FACE="Arial" ><B>*</B></FONT></div> </NOBR></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 16 ><NOBR><div>    2007 or newer - 60 months</div> </NOBR></tD> <tD VALIGN=TOP WIDTH="216"><div> as low as 4.99% </div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 16 ><NOBR><div>                               72 months</div> </NOBR></tD> <tD VALIGN=TOP WIDTH="216"><div> as low as 5.99%</div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 16 ><NOBR><div>                               84 months</div> </NOBR></tD> <tD VALIGN=TOP WIDTH="216"><div> as low as 6.99%</div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 16 ><NOBR><div>    2002 to 2006 Model Years</div> </NOBR></tD> <tD VALIGN=TOP WIDTH="216"><div> as low as 5.49%</div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 16 ><NOBR><div>    2001 and older Model Years</div> </NOBR></tD> <tD VALIGN=TOP WIDTH="216"><div> as low as 6.49%</div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 16 WIDTH="221"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="16" ALIGN="bottom" WIDTH="221" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="216"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="16" ALIGN="bottom" WIDTH="216" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 33 WIDTH="221"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="33" ALIGN="bottom" WIDTH="221" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="216"><div> Actual rate is based on Beacon/FICO score on the credit report we pull.</div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 33 WIDTH="221"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="33" ALIGN="bottom" WIDTH="221" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="216"><div> Rates range from 6.25% to 15% with rare occasion 18%</div> </tD> </tR> </TABLE></div> <bR> <div>                                * All rates are fixed for the life of the loan.  The actual loan rate is based on the borrower's credit history and </div> <div>                                   the length of the loan repayment period.  Other terms and conditions may apply.  Please contact us for details.</div> <bR> <DIV ALIGN="LEFT"></DIV> <div> <B>Real Estate Loans</B></div> <div>  <FONT SIZE="3" COLOR="#000000" FACE="Arial" > </FONT></div> <div> <TABLE BORDER="2" CELLPADDING="2" CELLSPACING="1" WIDTH="432" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="BOX" RULES="ALL" ALIGN="BOTTOM" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=TOP BGCOLOR=#DDDDDD HEIGHT= 16 WIDTH="197"><div> <B>Loan Type</B></div> </tD> <tD VALIGN=TOP BGCOLOR=#DDDDDD><NOBR><div> <B>Annual Percentage Rate (APR)</B><FONT SIZE="2" COLOR="#000000" FACE="Arial" ><B>*</B></FONT></div> </NOBR></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 17 WIDTH="197"><div>    Home Equity - fixed</div> </tD> <tD VALIGN=TOP WIDTH="216"><div> 6.75% to 7.25%</div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 16 ><NOBR><div>    Home Improvement - secured</div> </NOBR></tD> <tD VALIGN=TOP WIDTH="216"><div> 7.00% to 8.00%</div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 25 ><NOBR><div>    Home Improvement - unsecured</div> </NOBR></tD> <tD VALIGN=TOP WIDTH="216"><div> 9.00%</div> </tD> </tR> </TABLE></div> <div>                                * The actual loan rate is based on the borrower's credit history and  the length of the loan repayment period.</div> <div>                                   Other terms and conditions may apply.  Please contact us for details.</div> <bR> <bR> <DIV ALIGN="LEFT"></DIV> <div> <B>Other Secured Loans</B></div> <div>  <FONT SIZE="3" COLOR="#000000" FACE="Arial" > </FONT></div> <div> <TABLE BORDER="2" CELLPADDING="2" CELLSPACING="1" WIDTH="457" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="BOX" RULES="ALL" ALIGN="BOTTOM" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=TOP BGCOLOR=#DDDDDD HEIGHT= 16 WIDTH="215"><div> <B>Loan Type</B></div> </tD> <tD VALIGN=TOP BGCOLOR=#DDDDDD><NOBR><div> <B>Annual Percentage Rate (APR)</B><FONT SIZE="2" COLOR="#000000" FACE="Arial" ><B>*</B></FONT></div> </NOBR></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 16 WIDTH="215"><div>    New recreational vehicle</div> </tD> <tD VALIGN=TOP WIDTH="223"><div> as low as 6.50%</div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 16 WIDTH="215"><div>    Used recrational vehicle</div> </tD> <tD VALIGN=TOP WIDTH="223"><div> as low as 7.00%</div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 16 ><NOBR><div>    Recrational vehicles without titles</div> </NOBR></tD> <tD VALIGN=TOP><NOBR><div> as low as 8.00% new or 8.75 used</div> </NOBR></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 16 WIDTH="215"><div>    Share Secured</div> </tD> <tD VALIGN=TOP WIDTH="223"><div> 4.00%</div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 16 WIDTH="215"><div>    CD Secured</div> </tD> <tD VALIGN=TOP WIDTH="223"><div> 3% over certificate APY</div> </tD> </tR> </TABLE></div> <div>     * All rates are fixed for the life of the loan.  The actual loan rate is based on the borrower's credit history and </div> <div>                                   the length of the loan repayment period.  Other terms and conditions may apply.  Please contact us for details.</div> <bR> <DIV ALIGN="LEFT"></DIV> <div> <B>Unsecured Loans</B></div> <div>   </div> <div> <TABLE BORDER="2" CELLPADDING="2" CELLSPACING="1" WIDTH="432" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="BOX" RULES="ALL" ALIGN="BOTTOM" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=TOP BGCOLOR=#DDDDDD HEIGHT= 16 WIDTH="197"><div> <B>Loan Type</B></div> </tD> <tD VALIGN=TOP BGCOLOR=#DDDDDD><NOBR><div> <B>Annual Percentage Rate (APR)</B><FONT SIZE="2" COLOR="#000000" FACE="Arial" ><B>*</B></FONT></div> </NOBR></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 16 WIDTH="197"><div>    Signature</div> </tD> <tD VALIGN=TOP WIDTH="216"><div> as low as 12.00%</div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 16 WIDTH="197"><div>    Line of Credit</div> </tD> <tD VALIGN=TOP WIDTH="216"><div> 13.50%</div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 16 WIDTH="197"><div>    Emergency</div> </tD> <tD VALIGN=TOP WIDTH="216"><div> 18.00%</div> </tD> </tR> </TABLE></div> <div>  </div> <div>                                *   The actual loan rate is based on the borrower's credit history and the length of the loan repayment period.</div> <div>                                    Other terms and conditions may apply.  Please contact us for details.</div> <bR> <div>                                                                                          <IMG SRC="085d9330.gif" border=0 width="217" height="51" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></div> <bR> <bR> <bR> <bR> <bR> <bR> </td> </tr></table></body>