Rates effective until January 31, 2012*

New Car and Truck Loans
         Rate                    Years/Term                  Miscellaneous
2.99%         up to 6 years and            Up to 100% financing

(including tax and registration costs)              

Used Car and Truck Loans (Vehicles up to and including 5 years old)

    Rate		Years/Term		Miscellaneous

3.99%		5 years	max		Up to 100% financing

(up to and including 5 years old)

 (Excluding tax and registration costs. 

(Based on NADA AVERAGE RETAIL VALUE).

(Vehicles over 5 years up to 8 years old)

    Rate		Years/Term		Miscellaneous

4.99%	 	up to 4	years		Up to 100% financing

(Excluding tax and registration costs.  

Based on NADA AVERAGE RETAIL VALUE).

(over 5 years OLD up to 8 years old)

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*All rates are subject to change due to typographical errors and/or decisions by management.