Effective March 1, 2004

New Auto	Annual Percentage Rate
24-60 Months 72* Months	3.99% 4.49%

Used Auto (2000-2004)	Annual Percentage Rate
24-60 Months	4.99%

Term	Amount
Up to 36 months	$ 1,500 - $9,999
Up to 48 months	$ 10,000 - $17,999
Up to 60 months	$ 18,000+

Used Auto/Truck (1999 - Older)**
Term	Amount	APR
Up to 36 months	$ 1,500 - $9,999	6.00%
Up to 48 months	$ 10,000 - $17,999	6.25%
Up to 60 months	$ 18,000+	6.50%

Boat	APR
New, 120 months	7.00%
Used, 120 months	7.50%
Motorcycle
New, 60 months	8.00%
Camping Trailer
New, 72 months	7.50%
Used, 60 months	8.00%
Motor Home
New, 120 months	7.50%
Used, 120 months	8.00%

Click here for sample payment schedule.

Rates are current as of Effective Date, and are subject to change.

All IBM Southeast EFCU Auto Loans are subject to income verification and credit approval. Please refer to Your Loan Disclosures or contact a Loan Representative for full details on rates, terms, fees and conditions.

*72 month new car loan, $25,000 minimum loan amount.
**Used Vehicles 1999 or older will be reviewed by a Loan Officer.