Loans

<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0 height="100%"><tr> <td valign="top" width=170 BGCOLOR="#000099" TEXT="#F7F7FF" background="047aac00erkqpg.gif"> <bR> <bR> <bR> <div> <B>3515 3rd St. N.</B></div> <div> <B>Box 808</B></div> <div> <B>St. Cloud, MN 56302</B></div> <bR> <div> <B>Ph: 320 255 8687</B></div> <div> <B>Fax: 320 255 8699</B></div> <bR> </td> <td valign="top" BGCOLOR="#FFFFFF" TEXT="#080000"> <div> <B>Energy Services Federal Credit Union</B></div> <bR> <div>  |     <A HREF="index.htm" TARGET="_top" TITLE="Energy Services Federal Credit Union"><U>home</U></A> | </div> <div> <A HREF="id23.htm" TARGET="_top" TITLE="Share Savings, Certificates, and Checkin"><U>Share Savings, Certificates, and Checking</U></A>   |   <B>Loans</B>   |   <A HREF="id19.htm" TARGET="_top" TITLE="Location"><U>Location</U></A>   |   <A HREF="id28.htm" TARGET="_top" TITLE="Privacy Policy"><U>Privacy Policy</U></A></div> <div> <I>Loans</I></div> <DIV ALIGN="LEFT"></DIV> <div> <B>  </B><FONT SIZE="6" COLOR="#990080" FACE="Arial" ><B>It's Back!!!</B></FONT></div> <div> <B>4</B> <FONT SIZE="2" COLOR="#336633" FACE="Arial" ><B>Year Loan for</B></FONT> <B>4%</B> </div> <div> On all 2006-2010 Titled Collateral</div> <div>                                             For qualified borrowers-new loans only -limited time</div> <bR> <div> <B> </B><FONT SIZE="2" COLOR="#663399" FACE="Arial" ><B>                                 1 YEAR SIGNATURE LOAN </B></FONT><B>- </B><FONT SIZE="3" COLOR="#111111" FACE="Arial" ><B>  4.99%* </B></FONT><FONT SIZE="1" COLOR="#111111" FACE="Arial" ><B>Limited Time</B></FONT></div> <div> <FONT SIZE="3" COLOR="#000000" FACE="Arial" >                               <B>SHARES</B></FONT> <FONT SIZE="1" COLOR="#000000" FACE="Arial" >pledged loans</FONT><FONT SIZE="2" COLOR="#000000" FACE="Arial" >  </FONT><FONT SIZE="4" COLOR="#6633CC" FACE="Arial" ><B>1</B></FONT><B>%</B> <FONT SIZE="1" COLOR="#000000" FACE="Arial" >off our lowest current rates!</FONT><FONT SIZE="4" COLOR="#111111" FACE="Arial" ><B> </B></FONT></div> <div> <B>                             </B><FONT SIZE="1" COLOR="#000000" FACE="Arial" ><B>Example: 4.99%* for 3 years would be </B></FONT><FONT SIZE="2" COLOR="#663399" FACE="Arial" ><B>3.99%*</B></FONT><FONT SIZE="2" COLOR="#000000" FACE="Arial" ><B> </B></FONT><FONT SIZE="2" COLOR="#000000" FACE="Arial" >_______________________________________________________________________</FONT></div> <div> <FONT SIZE="2" COLOR="#000000" FACE="Arial" >                      </FONT> <B>ALL </B> <B>Rates may be changed at any time</B><FONT SIZE="2" COLOR="#000000" FACE="Arial" >              </FONT><FONT SIZE="2" COLOR="#000000" FACE="Arial" ><B>                                                                                       </B></FONT><FONT SIZE="3" COLOR="#000000" FACE="Arial" >                </FONT></div> <div> <B>100% </B>financing on <FONT SIZE="2" COLOR="#660099" FACE="Arial" ><B>B</B></FONT><FONT SIZE="3" COLOR="#660099" FACE="Arial" ><B>rand</B></FONT><FONT SIZE="2" COLOR="#660099" FACE="Arial" >  </FONT><FONT SIZE="3" COLOR="#660099" FACE="Arial" ><B>NEW</B></FONT><B> </B><FONT SIZE="2" COLOR="#000000" FACE="Arial" >Autos, Boats, Campers (Titled Items)</FONT><FONT SIZE="2" COLOR="#000000" FACE="Arial" >         </FONT></div> <div> <FONT SIZE="1" COLOR="#000000" FACE="Arial" >3 years</FONT><FONT SIZE="4" COLOR="#000000" FACE="Arial" >   </FONT><FONT SIZE="3" COLOR="#000000" FACE="Arial" > </FONT><B>4.50%</B><B>*</B></div> <div> 4 years  <B>4.75</B><B>%</B><B>*</B></div> <div> 5 years  <B> 4.99</B><B>%</B><B>*</B><FONT SIZE="3" COLOR="#000000" FACE="Arial" > </FONT></div> <div> 6 years   <B>5.50</B><B>%*</B> </div> <div> _________________________________________________________________________________________</div> <div> <FONT SIZE="3" COLOR="#000000" FACE="Arial" ><B>2003 to 2010</B></FONT><FONT SIZE="2" COLOR="#000000" FACE="Arial" ><B> </B></FONT><FONT SIZE="2" COLOR="#000000" FACE="Arial" ><B>USED</B></FONT><FONT SIZE="2" COLOR="#000000" FACE="Arial" ><B> </B></FONT><FONT SIZE="1" COLOR="#000000" FACE="Arial" ><B>titled items </B></FONT><FONT SIZE="2" COLOR="#000000" FACE="Arial" ><B>- </B></FONT><B>ex.</B><B>Autos, Boats, Campers, Motorcycles</B> <FONT SIZE="3" COLOR="#000000" FACE="Arial" >                                                             </FONT><FONT SIZE="4" COLOR="#000000" FACE="Arial" >   </FONT></div> <div> <B>4.25%* </B><FONT SIZE="4" COLOR="#FF0000" FACE="Arial" ><B> </B></FONT><FONT SIZE="2" COLOR="#000000" FACE="Arial" ><B>2 years</B></FONT><FONT SIZE="4" COLOR="#000000" FACE="Arial" ><B>       </B></FONT></div> <div> <FONT SIZE="3" COLOR="#FF0000" FACE="Arial" ><B>4.50%</B></FONT><FONT SIZE="4" COLOR="#FF0000" FACE="Arial" ><B>*</B><B> </B></FONT><FONT SIZE="2" COLOR="#FF0000" FACE="Arial" > </FONT><B>3 years</B><B>  </B><B> </B>    </div> <div> <B>4.75</B><B>%</B>*<FONT SIZE="4" COLOR="#FF0000" FACE="Arial" >   </FONT><FONT SIZE="2" COLOR="#000000" FACE="Arial" ><B>4 years</B></FONT><FONT SIZE="4" COLOR="#FF0000" FACE="Arial" >  </FONT><FONT SIZE="2" COLOR="#000000" FACE="Arial" >   </FONT></div> <div> <B>5.00%*  </B>  <FONT SIZE="2" COLOR="#000000" FACE="Arial" ><B>5 years</B> </FONT><FONT SIZE="3" COLOR="#000000" FACE="Arial" >                           </FONT></div> <div> <FONT SIZE="2" COLOR="#FF0000" FACE="Arial" ><B>5.75%</B></FONT><B> </B><B>   </B><FONT SIZE="1" COLOR="#000000" FACE="Arial" ><B>  </B></FONT><FONT SIZE="2" COLOR="#000000" FACE="Arial" ><B> 6 </B></FONT><FONT SIZE="1" COLOR="#000000" FACE="Arial" ><B> years</B></FONT></div> <div> <B>_________________________________________________________________________________________________</B></div> <div> <B>2002 and Older </B><B>Titled Collateral </B><B>                 </B><B>Untitled Collateral ex. snowmobiles, ATVs</B></div> <div> <B>5.99%* 2 years         6.25%* 3 years</B><FONT SIZE="2" COLOR="#000000" FACE="Arial" ><B>                </B></FONT><B>6</B><B>.25%*</B><FONT SIZE="1" COLOR="#000000" FACE="Arial" > </FONT><FONT SIZE="1" COLOR="#000000" FACE="Arial" > 2 years<B> </B></FONT><FONT SIZE="3" COLOR="#000000" FACE="Arial" ><B>   </B></FONT><B>6.75%</B><FONT SIZE="3" COLOR="#000000" FACE="Arial" ><B>* </B></FONT><FONT SIZE="1" COLOR="#000000" FACE="Arial" > 3 years</FONT>  <FONT SIZE="1" COLOR="#000000" FACE="Arial" ><B>6.99</B>%</FONT>* <FONT SIZE="1" COLOR="#000000" FACE="Arial" >4 years</FONT><FONT SIZE="3" COLOR="#000000" FACE="Arial" ><B>               </B></FONT><FONT SIZE="2" COLOR="#000000" FACE="Arial" ><B>  </B></FONT><B>6.50%* 4 years         6.99%* 5 years </B></div> <div> <B>________________________________________________________________________                                   </B></div> <DIV ALIGN="LEFT"></DIV> <div> <B>Signature Loans</B></div> <div> <FONT SIZE="4" COLOR="#000000" FACE="Arial" ><B>4.99%</B></FONT><FONT SIZE="4" COLOR="#000000" FACE="Arial" ><B>*</B></FONT><FONT SIZE="3" COLOR="#000000" FACE="Arial" ><B>  </B></FONT><B>12 mos    8.5%*  24 mos     </B><B>8.99%* </B><B> 25-48 mos      12%* 49-60 mos.</B></div> <div> <FONT SIZE="3" COLOR="#000000" FACE="Arial" ><B>                                     </B></FONT>maximum of $5000.00 to qualified borrowers</div> <div> <B>                 All </B><FONT SIZE="1" COLOR="#000000" FACE="Arial" ><B>loans at the credit union are open-ended</B></FONT><B> EXCEPT </B><FONT SIZE="1" COLOR="#000000" FACE="Arial" ><B>Home Equity Loans</B></FONT></div> <div> <B>________________________________________________________________________________________________</B></div> <DIV ALIGN="LEFT"></DIV> <div> <FONT SIZE="4" COLOR="#CC0000" FACE="Arial" ><B>    </B></FONT><B>Home Equity Loans</B> </div> <div> <B>               </B><FONT SIZE="4" COLOR="#660099" FACE="Arial" ><B> 5.25%</B></FONT><B>*-  </B><FONT SIZE="2" COLOR="#000000" FACE="Arial" ><B>5 years</B></FONT><B>       </B><FONT SIZE="3" COLOR="#6600CC" FACE="Arial" ><B> 5.99%*</B></FONT><B>- </B><FONT SIZE="2" COLOR="#000000" FACE="Arial" ><B> 6 years</B></FONT><B>           </B><FONT SIZE="3" COLOR="#660099" FACE="Arial" ><B> 6.99%</B></FONT><B>*- </B><FONT SIZE="2" COLOR="#000000" FACE="Arial" ><B> 7 yea</B><B>rs</B></FONT><B>    </B></div> <div> <FONT SIZE="3" COLOR="#000000" FACE="Arial" ><B>   </B></FONT><B>  </B><B>*</B><FONT SIZE="1" COLOR="#000000" FACE="Arial" ><B>= </B><B>annual percentage rate</B></FONT><FONT SIZE="1" COLOR="#000000" FACE="Arial" ><B> </B></FONT></div> <DIV ALIGN="LEFT"></DIV> <div> <B>example: $20,000.00 loan for 5 years @ $380.00 a month </B></div> <div> <B>(A</B><FONT SIZE="1" COLOR="#000000" FACE="Arial" ><B>ll Home Equity  monthly payments are rounded up to the nearest whole dollar) </B></FONT></div> <div> <IMG SRC="06877780.gif" border=0 width="119" height="120" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></div> <bR> <div> <B>"We Do Business in Accordance With the Federal Fair Housing Law and the </B></div> <div> <B>Equal Credit Opportunity Act."</B></div> <div> <B> </B><FONT SIZE="4" COLOR="#000000" FACE="Arial" ><B><IMG SRC="07c5d1d0.gif" border=0 width="93" height="29" ALT="Bitmap Image" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"> </B></FONT><FONT SIZE="1" COLOR="#000000" FACE="Arial" ><B>Your savings Federally insured to at least $250,000 and backed by the full  faith and credit of the United States Government.        NATIONAL CREDIT UNION ADMINISTRATION, a U.S. Government Agency  </B></FONT></div> <bR> <bR> <bR> </td> </tr></table></body>