4Front Credit Union: 
                                Consumer Loan Rate Sheet 
                                    Effective June 17, 2022 
                                     Prime Rate: 4.75% 
            
           Secured Loan: 
             ?  Rate Adjustments: 
                  o  Non-Titled Collateral: 
                       ?  +1.00% 
                  o  Collateral Age: 
                       ?  +0.25% (2015-2017) 
                       ?  +1.25% (2014 or older) 
                  o  Extended Term/Low LTV: 
                       ?  -0.50% (LTV 70% or less AND term of 85 mo. or greater) 
                  o  Zero Score/Low LTV: 
                       ?  -2.00% (Non FTB AND LTV 85% or less) 
           DIRECT: 
                     Score  Max LTV  Up to 66  67-78  79-84   85-120  121-180 
             A+    710+       120%    3.94%    4.14%    5.04%  5.34%  6.14% 
             A     660-709    120%    5.04%    6.04%    7.04%  7.24%  7.54% 
             B     640-659    110%    7.04%    8.04%    9.04%  10.14%  10.34% 
             C     600-639    110%   12.84%   13.84%      N/A   N/A    N/A 
             D     1-599      110%   16.34%   17.34%      N/A   N/A    N/A 
             E     0 (Not FTB)  110%  12.84%  13.84%      N/A   N/A    N/A 
             F     0 (FTB)    110%    7.04%    8.04%      N/A   N/A    N/A 
            
           INDIRECT: 
                        Score  Max LTV  Reserve  Up to 66  67-78  79-84 
                A+     710+       120%   1.25%    3.94%    4.14%  5.04% 
                A      660-709    115%   2.00%    5.04%    6.04%  7.04% 
                B      640-659    105%   2.00%    7.04%    8.04%  9.04% 
                C      600-639    105%   2.00%   12.84%    13.84%   N/A 
                D      1-599      95%    1.00%   16.34%    17.34%   N/A 
                E      0 (Not FTB)  95%  2.00%   12.84%    13.84%   N/A 
                F      0 (FTB)    105%   2.00%    7.04%    8.04%    N/A 
                                            
                                            
                               4Front Credit Union: 
                                Consumer Loan Rate Sheet 
                                    Effective June 17, 2022 
                                     Prime Rate: 4.75% 
            
                         Extended Term for Boat, RV, and Power Sports Dealers 
                            Score  Max LTV  Reserve  85-120  121-180 
                   A+     710+       110%    1.50%   5.34%     6.14% 
                   A      660-709    100%    1.50%   7.24%     7.54% 
                   B      640-659    100%    1.50%   10.14%   10.34% 
            
                First Time Buyer Program: 
                  o  Minimum cash down or trade: 10% 
                  o  No derogatory credit or collections 
                  o  No previous auto trade lines 
                  o  Job time: 6 months  
                  o  Minimum monthly combined income: $2,000  
                  o  Combined payment to income: 20% or less 
                      
           Share Secured Loan: 
             ?  Loan secured by Share or CD (No IRA CDs) 
             ?  110% of balance to be held as collateral 
             ?  60 Month balloon 
             ?  4% + share APY 
                 
           Unsecured Loan: 
             ?  SIGNATURE LOAN: 
                                     Score   Term    Rate 
                            A+     710+      0-60     9.04% 
                            A      660-709   0-60    10.04% 
                            B      640-659   0-60    13.24% 
                            C      600-639   0-60    15.24% 
                            D      1-599     0-60    18.00% 
                            E      0         0-60    15.24% 
                 
                 
                 
                               4Front Credit Union: 
                                Consumer Loan Rate Sheet 
                                    Effective June 17, 2022 
                                     Prime Rate: 4.75% 
            
             ?  CASH RESERVE: 
                                     Score  Margin   Rate 
                            A+     710+       5.71%  10.46% 
                            A      660-709    5.71%  10.46% 
                            B      640-659    8.71%  13.46% 
                            C      600-639   10.71%  15.46% 
                            D      1-599     13.71%  18.00% 
                            E      0         10.71%  15.46% 
                                            
                *Peace of Mind Line Qualified: 0% margin for the first 6 months (Promo Type 5, see guidelines) 
           Credit Card: 
                                      MasterCard    Rewards MasterCard 
                            Score   Margin  Rate    Margin   Rate 
                   A+     710+       5.71%  10.46%    6.71%   11.46% 
                   A      660-709    5.71%  10.46%    6.71%   11.46% 
                   B      640-659    8.71%  13.46%    9.71%   14.46% 
                   C      600-639   10.71%  15.46%   11.71%   16.46% 
                   D      1-599     13.71%  18.00%   14.71%   18.00% 
                   E      0         10.71%  15.46%   11.71%   16.46%