AJ Smith FSB - Consumer Loans

Consumer Loans

Rates Effective As Of February 17, 2010

	New Cars	Used Cars	Age of Auto
Max LTV	80%	70%	1 yr - 48 Months Max
2-3 Years	6.75%	8.00%	2 yr - 42 Months Max
4 Years	7.00%	8.25%	3 yr - 36 Months Max
5 Years	7.25%	N/A	4 yr - 30 Months Max
			5 yr - 24 Months Max
Minimum Loan $5000 / Maximum Loan $50,000
New Motorcycle & Snowmobiles Maximum 70% ● Maximum Loan $15,000 36 months or less ● 4.5% over prime ● Fixed rate!!!

New Boat Loans Maximum LTV 70% ● Max Loan $40,000 4 years or less 10% ● Add .25% for each year after 10 year maximum term!!! Share Loans available tied to your savings account (See savings counselors)

FDIC Transaction Account Guarantee Program

AJ Smith Federal Savings Bank is participating in the FDIC's Transaction Account Guarantee Program. Under this program, through December 31, 2013, all non-interest-bearing transaction accounts and NOW accounts with an interest rate of 0.25% or less are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.

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New Deposit Insurance Limits

Effective July 21, 2010, the FDIC has permanently increased the amount of standard deposit insurance to a maximum of $250,000. The $250,000 applies per depositor, per depository institution for each account ownership category.