Loan Accounts: Rates and APRs

Auto Loans

Term	Rate	APR
36 Month, New	6.50%	6.50%
48 Month, New	7.00%	7.00%
60 Month, New	7.25%	7.25%
36 Month, Used	8.00%	8.00%
48 Month, Used	8.25%	8.25%
Luxury Priced Vehicle (Loans over $20,000)	0.50% over auto rates
Motorcycle	1.00% over auto rates

REFER TO FACT SHEET FOR DOWN PAYMENT REQUIREMENTS ON VEHICLE LOANS.
New Cars - 100% of invoice less sales tax and fees (not refinancing of other loans). "New" is classified as any car that has been titled in the last 12 months.
Used Cars - 80% of purchase price or 80% of the retail value as listed in the Kelly Blue Book (whichever is lower) less sales tax and fees.
APRs and Rates are accurate as of February 1, 2008 and are subject to change without notice. Rates are for purchases only. Refinances must be considered under the secured consumer loan rates.

Recreational Vehicle Loan

Term	Rate	APR
1-5 Years, New	9.00%	9.00%
7 Years, New	9.500%	9.50%
10 Years, New	9.75%	9.75%
1-5 Years, Used	10.00%	10.00%
7 Years, Used	10.50%	10.50%

Includes Conversion Vans/Boats/RV road vehicles. Invoice verification required. 10% minimum down payment on new recreational vehicles. Maximum loan - 90% of invoice less sales tax (new); 80% (used). APRs and Rates are accurate as of February 1, 2008 and are subject to change without notice.

Home Equity

Amount	Rate	APR	Term	Type
$5,000 (minimum) to $24,999	Prime* + 0%	6.00%	15 Years	Line of Credit
$25,000 (minimum)	Prime* - 0.25%***	5.75%	15 Years	Line of Credit
$5,000 (minimum)	6.25%**	6.25%	5 Years	Fixed
	**Rate with autopay from Savings or NOW account: 6.150%. Rate with autopay from Free & Easy Checking: 6.00%.
$5,000 (minimum)	6.75%**	6.75%	6-10 Years	Fixed
	**Rate with autopay from Savings or NOW account: 6.50%. Rate with autopay from Free & Easy Checking: 6.25%.
$5,000 (minimum)	7.00%**	7.00%	11-15 Years	Fixed
	**Rate with autopay from Savings or NOW account: 6.875%. Rate with autopay from Free & Easy Checking: 6.75%.

Line of Credit Payment is based on average principal balance plus interest each month. Minimum principal payment is $100.00. Bank pays closing costs for loans of $7,500-$100,000. Customer must reimburse bank for closing costs paid on their behalf if loan is closed and discharged prior to four years from inception. If loan amount is under $7,500 or over $100,000 closing cost must be paid by customer.
Maximum loan amounts are based on equity in home. Loans can be approved up to 90% of appraised value less outstanding liens if first lien is held by Lake Shore Savings or there is no mortgage on property. Loans may be approved up to 80% of appraised value less outstanding liens if the first mortgage is held elsewhere.
Must be closed within 30 days of application. APRs and Rates are accurate as of February 1, 2008 and are subject to change without notice.
***Rate requires autopay from LS Checking account. Rate is Prime + 0% without autopay.

Consumer Loan - Unsecured

Term	Rate	APR	Minimum	Maximum
12-24 Months	10.00%**	10.00%	$1,000	$5,000
25-48 Months	11.50%**	11.50%	$1,000	$5,000

APRs and Rates are accurate as of February 1, 2008 and are subject to change without notice.
**Base rate based on credit score of 701 and higher. Refer to the chart below:

Credit Score	Loan Rate
701 and >	Base Rate	plus 0%
651-700	Base Rate	plus .50%
620-650	Base Rate	plus 1.00%
< 620	Base Rate	plus 2.00%

Consumer Loan - Secured

Term	Real Estate Rate	APR	Non-Real Estate Rate	APR
12-36 Months	8.50%	8.50%	+ 0.50%	9.00%
37-60 Months	9.50%	9.50%	+ 0.50%	10.00%
61-120 Months	9.50%	9.50%	+ 0.50%	10.00%

Consumer Loans secured by cash, stocks, bonds, mutuals, CSLI - Rate to be determined by lending officer (minimum rate = Prime). Loan amounts in excess of $100,000 must refer to Senior Loan Officer. Maximum term is 10 years. APRs and Rates are accurate as of February 1, 2008 and are subject to change without notice.

Property Improvement Loan - Unsecured

Term	Rate	APR	Minimum	Maximum
12-24 Months	8.00%	8.00%	$1,000	$3,500
25-48 Months	8.50%	8.50%	n/a	n/a

No refinancing of existing debt. Closing costs paid by borrower. Must be closed within 30 days of application. APRs and Rates are accurate as of February 1, 2008 and are subject to change without notice.

Property Improvement Loan - Secured

Term	Real-Estate Rate	APR	Minimum	Maximum
12-36 Months	7.25%	7.25%	$3,500	$20,000
37-60 Months	7.50%	7.50%	n/a	n/a
61-120 Months	7.75%	7.75%	n/a	n/a

Overdraft Line of Credit

Credit Score	Rate	APR	Line
620-650	Prime* + 8.50%	14.50%	$500
651-700	Prime* + 8.00%	14.00%	$1,000
701 and >	Prime* + 7.50%	13.50%	$1,500

Loan requests of $1501-5000 are processed using normal criteria. Rate is based on credit score. If credit score <620 process using normal criteria. Rate is Prime + 10%. Payment is based on principal balance plus interest for month. Minimum principal payment is $10.00. APRs and Rates are accurate as of February 1, 2008 and are subject to change without notice.

*Prime rate is 6.00%, effective January 30, 2008.

All APRs and Rates are accurate as of February 1, 2008 and are subject to change without notice. See your account disclosures for additional information about your account. Current rate information can be obtained by calling any of our offices.