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="id17.htm" TARGET="_top" TITLE="About Us"><U>About Us</U></A>   |   <A HREF="id21.htm" TARGET="_top" TITLE="Our Rates, Products, and Services "><U>Our Rates, Products, and Services </U></A>   |   <B>Loans    </B>   |   <A HREF="id20.htm" TARGET="_top" TITLE="Contact Us "><U>Contact Us      </U></A>   |   <A HREF="id18.htm" TARGET="_top" TITLE="News and Events"><U>News and Events</U></A>   |   <A HREF="id27.htm" TARGET="_top" TITLE="TURBOTAX "><U>TURBOTAX     </U></A></div> <div> <I>Loans    </I></div> <div> Offered TO  QUALIFIED BORROWERS      (ALL loans at the credit union are open-ended <B> EXCEPT</B> Home Equity loans)</div> <bR> <div> <B><U>Current Specials </U></B></div> <div> <B>              Signature Loan 1 year 4.99% call for details </B></div> <div> <FONT SIZE="4" COLOR="#000000" FACE="Arial" >     </FONT><B> </B><FONT SIZE="3" COLOR="#FF00FF" FACE="Arial" ><B>1</B></FONT><B>%</B><FONT SIZE="4" COLOR="#000000" FACE="Arial" > </FONT><FONT SIZE="2" COLOR="#000000" FACE="Arial" >off our lowest current rates! when you</FONT><FONT SIZE="4" COLOR="#000000" FACE="Arial" > </FONT><FONT SIZE="2" COLOR="#000000" FACE="Arial" >Pledge  your</FONT> <B>SHARES</B><FONT SIZE="4" COLOR="#000000" FACE="Arial" > </FONT><FONT SIZE="2" COLOR="#000000" FACE="Arial" >as collateral </FONT></div> <div> <FONT SIZE="4" COLOR="#000000" FACE="Arial" ><B>      </B></FONT><FONT SIZE="2" COLOR="#000000" FACE="Arial" > </FONT><FONT SIZE="2" COLOR="#111111" FACE="Arial" ><B> </B></FONT><FONT SIZE="4" COLOR="#111111" FACE="Arial" ><B>                </B></FONT><B>Example:   4.99%* </B><FONT SIZE="3" COLOR="#111111" FACE="Arial" ><B>for 3 years would be</B></FONT><B> </B><FONT SIZE="4" COLOR="#663399" FACE="Arial" ><B>3.99</B></FONT><B>%*</B></div> <div> <FONT SIZE="1" COLOR="#000000" FACE="Arial" ><B>_________________________________________________________________________________</B></FONT><B> </B><B> </B><FONT SIZE="4" COLOR="#6600CC" FACE="Arial" ><B>LOAN RATES  *</B></FONT><FONT SIZE="2" COLOR="#6600CC" FACE="Arial" ><B>Annual Percentage Rate  Effective 4-22-2008</B></FONT></div> <div> <B> </B><FONT SIZE="2" COLOR="#000000" FACE="Arial" ><B><U>BRAND</U></B><B><U> </U></B><B><U>NEW </U></B></FONT><FONT SIZE="4" COLOR="#0000FF" FACE="Arial" ><B><U>100%</U></B></FONT><FONT SIZE="4" COLOR="#0000FF" FACE="Arial" > </FONT><B>financing </B><FONT SIZE="1" COLOR="#000000" FACE="Arial" >(Titled items) </FONT> <FONT SIZE="1" COLOR="#000000" FACE="Arial" >Examples: Autos, Boats, Campers, Motorcycles</FONT>                                                                                                                                                          </div> <div> <B> 4.99% *</B>    3 years   </div> <div> <B> 5</B><B>.25%</B> <B>*</B>    4 years</div> <div> <B> 5.50</B><B>%</B> <B>*   </B> 5 years</div> <div> <B> 5.75</B><B>% </B><B>*    </B> 6 years <FONT SIZE="4" COLOR="#000000" FACE="Arial" > </FONT><FONT SIZE="3" COLOR="#000000" FACE="Arial" >                 </FONT><FONT SIZE="2" COLOR="#000000" FACE="Arial" >       <B> </B> </FONT><FONT SIZE="1" COLOR="#000000" FACE="Arial" > </FONT></div> <div> <B><U>USED  </U></B><B><U>2001 to 2008 </U></B><U> </U><B><U>T</U></B><B><U>itled Collateral</U></B><B><U> </U></B><FONT SIZE="3" COLOR="#000000" FACE="Arial" > </FONT><FONT SIZE="1" COLOR="#000000" FACE="Arial" >Examples: Autos, Boats, Campers,Motorcycles</FONT></div> <div> <B> </B><B> 5.25%*  </B> 2 years<B>              </B></div> <div> <B>  5.50%*   </B>3 years  <B>                   </B></div> <div> <B>  5.75%*   </B>4 years  <B>            </B></div> <div> <B>  6.00%*   </B>5 years</div> <div> <B>  6.25%*   </B>6 years<B> </B></div> <div> <B> </B><B><U>2000 and older Titled Collateral</U></B><B>                  </B><B><U>Untitled Collateral</U></B></div> <div> <FONT SIZE="3" COLOR="#000000" FACE="Arial" ><B> </B></FONT><B> 6.25%</B><B>*   </B><B> </B>2 years<FONT SIZE="3" COLOR="#000000" FACE="Arial" >                                                 </FONT><FONT SIZE="1" COLOR="#000000" FACE="Arial" >ATVs,Snowmobiles, Boat Motors, Jet Skis</FONT></div> <div> <FONT SIZE="3" COLOR="#000000" FACE="Arial" ><B> </B></FONT><B> 6.75</B><B>%*  </B><B>    </B>3 years                                 <B>              </B><B>          7.25%*    </B>2 years  <B> </B></div> <div> <B>  6.99%*     </B>4 years                                                           <B>7.75%*    </B>3 years</div> <div>   <B>7.75</B><B>%</B><B>*</B><B>     </B>5 years                                                           <B>7.99</B><B>%*    </B>4 years</div> <DIV ALIGN="LEFT"></DIV> <div> <B>        </B><FONT SIZE="2" COLOR="#000000" FACE="Arial" > </FONT><FONT SIZE="1" COLOR="#000000" FACE="Arial" >                                                 </FONT></div> <div>                    <FONT SIZE="3" COLOR="#000000" FACE="Arial" >                    </FONT></div> <div> <B><U>Signature loans</U></B></div> <div> <B>    12 months   </B><FONT SIZE="5" COLOR="#000000" FACE="Arial" ><B>4.99%</B></FONT><B>*     24 months    8</B><B>.</B><B>9%</B>      <B>25 to 48 months 9.9%*</B></div> <div> <FONT SIZE="2" COLOR="#000000" FACE="Arial" ><B>                               Up to 60 months</B></FONT>  <B>12%*</B>  <FONT SIZE="1" COLOR="#000000" FACE="Arial" >Up to  $5000.00 maximum to qualified borrowers</FONT></div> <div> <IMG SRC="06567620.gif" border=0 width="103" height="98" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></div> <bR> <div> <B><U>Home Equi</U></B><B><U>ty Loans</U></B><FONT SIZE="3" COLOR="#0000CC" FACE="Arial" ><B> </B></FONT></div> <div> <FONT SIZE="4" COLOR="#9900CC" FACE="Arial" ><B>      5.25</B></FONT><FONT SIZE="4" COLOR="#000000" FACE="Arial" ><B>%*</B></FONT><FONT SIZE="5" COLOR="#000000" FACE="Arial" ><B> </B></FONT><B>for</B><B>  </B><B>5</B><B> </B><B>years</B><FONT SIZE="2" COLOR="#000000" FACE="Arial" ><B> </B></FONT><FONT SIZE="3" COLOR="#000000" FACE="Arial" ><B>   </B></FONT><FONT SIZE="5" COLOR="#000000" FACE="Arial" ><B> </B></FONT><FONT SIZE="4" COLOR="#000000" FACE="Arial" ><B> </B></FONT><FONT SIZE="3" COLOR="#000000" FACE="Arial" ><B>5.99</B><B>%*</B></FONT><FONT SIZE="2" COLOR="#000000" FACE="Arial" ><B> </B></FONT><B>for 6 years</B><B> </B><B> </B><FONT SIZE="3" COLOR="#000000" FACE="Arial" ><B> </B></FONT><FONT SIZE="5" COLOR="#000000" FACE="Arial" ><B>  </B></FONT><FONT SIZE="3" COLOR="#000000" FACE="Arial" ><B>6.99%*</B></FONT><FONT SIZE="4" COLOR="#000000" FACE="Arial" ><B> </B></FONT><B> </B><B>for  7 years</B></div> <bR> <div>       Sample Payments:          $380.00  payment a month on $20,000.00 for approximately 60 months</div> <div>                                                 $332.00 payment a month on $20,000.00 for approximately 72 months</div> <div>                                                 $302.00 payment a month on $20,000.00 for approximately 84 months</div> <bR> <DIV ALIGN="LEFT"></DIV> <div> <B>"We Do Business in Accordance With the Federal Fair Housing Law </B></div> <div> <B>and the Equal Credit Opportunity Act."</B></div> <div> <B> </B><FONT SIZE="4" COLOR="#000000" FACE="Arial" ><B><IMG SRC="082551a0.gif" border=0 width="85" height="26" 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 $100,000 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>