Collection Costs: You agree to pay all costs of collecting the amount you owe under this Agreement, including court costs and reasonable attorney fees.

Late Charges: If your payment is more than 15 days past due you will be required to pay a late charge of 5% of the payment amount.

1. The Annual Percentage Rate received will be within the range disclosed above. The rate will be based on each member’s creditworthiness, term of the loan, and value of collateral offered compared to amount of loan. Please ask for the rate that you qualify for.
   
   
2. Minimum Payment: The payment on your Overdraft Line of Credit will be $4.00 monthly or $2.00 bi-weekly for each $100 or fraction of $100 of your unpaid balance. For all other sub-account, your minimum payment will never be less than$50.00 per month.
   
   
3. Savings Secured Rate: The Annual Percentage Rate (APR) for share secured advances will be the dividend rate being paid on regular shares (index) on the date of the advance plus a margin of 3.0%. If there is an existing balance on the date of the new advance, the existing balance will be added to the new advance and the entire balance will be at the new APR. If the index value changes during the approximate term of the advance, the APR will change to reflect the index when the index value changes plus a margin of 3%. Any increase or decrease in the APR will affect the number of monthly payments you will make under the account. Any increase in the APR will take the form of more payments of the same amount until what you owe has been repaid.
   
   
4. Annual Percentage Rate (APR) is based on the prime rate plus a margin and is subject to change monthly.
   
   
5. Must maintain adequate insurance.