IBM Southeast Employees' Federal Credit Union

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CLOSED-END LOAN RATE DISCLOSURE TABLE
Vehicle Loans (1999-2003 Model Vehicles)
Loan Type	APR*	Term	Estimated Monthly Payment Per $1,000 Borrowed	Conditions
Fixed Rate	6.75%	36 mos.	$31.00	Up to 100% Financing
Fixed Rate	7.25%	48 mos.	$24.00	Up to 95% Financing
Fixed Rate	7.25%	60 mos.	$20.00	Up to 90% Financing

*APR above is the Credit Union's standard rate. Rate may vary depending on each borrower's credit history and underwriting factors.

The APR is a variable rate and may increase or decrease.

Effective as of: April 1, 2003. All credit Union loan rates are subject to change at any time without notice.

Help? | serviceplus@ibmsecu.org • National: 800.873.5100 | Local: 561.982.4700