ALL LOANS SUBJECT TO CREDIT APPROVAL

AUTO and OTHER CONSUMER INSTALLMENT LOANS

Rates, terms, amount financed, and down payment requirements vary depending on the type of loan. Please see a Parish lender for more details.

PREFERRED HOME EQUITY LINE OF CREDIT Minimum payment requirements: You can obtain credit advances for a maximum of 15 years. During this period, payments will be due monthly on the 5th of each month. Your monthly payment will equal 2% of the loan account balance (principal plus interest) or $25, whichever is greater, rounded up to the nearest $1.

Fees and Charges: To open and maintain an account, a 1% loan fee is required. You must also pay certain fees to third parties such as appraisers and government agencies. These fees generally total $150 to $550. You will be provided with an itemization of all fees. You must carry insurance on the property that secures this plan.

Minimum Draw Requirements: The minimum credit advance that you can receive is $100.

Tax Deductibility: You should consult a tax advisor regarding the deductibility of interest and charges for the plan.

Variable Rate Feature: This plan has a variable rate feature and the annual percentage rate (corresponding to the periodic rate) and the minimum monthly payment can change as a result. The annual percentage rate includes only interest and not other costs. The annual percentage rate is based on the value of an index. The index is the weekly average yield on United States Treasury securities adjusted to a constant maturity of one year and is published weekly in The Wall Street Journal. To determine the annual percentage rate that will apply to your account, we add a margin to the value of the index, and then round up to the nearest 0.125%. Ask us for the current index value, margin, rate limitations, and annual percentage rate. After you open a credit line, rate information will be provided on periodic statements that we send you.

Rate Changes: The annual percentage rate will change annually. The rate cannot increase or decrease by more than 2 percentage points in any one year period. The ANNUAL PERCENTAGE RATE cannot increase or decrease by more than 6 percentage points above or below the initial rate.

Maximum Rate and Payment Examples: If you had an outstanding balance of $10,000, the minimum monthly payment at a maximum ANNUAL PERCENTAGE RATE of 15.25% would be $304. This maximum annual percentage rate is obtained by adding the 6 percentage point lifetime cap to the most recent index value plus the appropriate margin then rounding up to the nearest 0.125% The maximum annual percentage rate could be reached in the third year following an initial hold of twelve months.

PREFERRED LINE OF CREDIT How Finance Charges Are Computed: Finance charges begin to accrue immediately when we make a loan to you. To figure the finance charge for a billing cycle, we apply a daily periodic rate of finance charge to the "principal balance" of your loan account each day. To figure the "principal balance" for each day, we first take your loan account balance at the beginning of the day and subtract any unpaid finance charges that are due. Next, we subtract the portion of any payments or credits received that day which apply to the repayment of your loans. (A portion of any payments you make is applied to finance charges.) Then we add any new loans made that day. The final figure is the "principal balance." The daily periodic rate is calculated by dividing the annual percentage rate by 365 days. For example: 11.25%APR / 365 = .03082% Daily Periodic Rate. The annual percentage rate includes interest and no other costs. The annual percentage rate may change and will be 3.00% for a credit line of $5,000 and over, or 4.00% for a credit line less than $5,000, above the following rate base: the "Prime Rate" of interest as published daily in The Money Rate Section of The Wall Street Journal as defined as "the base rate on corporate loans posted by at least 75% of the nations 30 largest banks." The resulting annual percentage rate will be rounded up to the nearest 0.125%. The annual percentage rate may increase if this "base rate" increases. The annual percentage rate may decrease if the "base rate" decreases. Any increase or decrease will take effect on the first day of the billing cycle. An increase will result in an increase in the finance charge and it may have the effect of increasing your periodic minimum payment. A decrease will have the opposite effect of an increase disclosed above. The annual percentage rate will not increase or decrease more often than once a month. If the base rate changes more frequently than the annul percentage rate, we will always use the base rate in effect on the day we adjust the annual percentage rate to determine the new annual percentage rate. In such a case, we will ignore any changes in the base rate that occur between annual percentage rate adjustments. The annual percentage rate will never exceed the highest allowable rate for this type of agreement as determined by applicable state or federal law.

How You Repay Your Loans: On or before each payment date, you agree to make a minimum payment to reduce your debt. The minimum payment amount is 5% of your loan account balance on the last day of the billing cycle or $25, whichever is greater.

VISA CREDIT CARDS

Visa Card Type	APR	Annual Mem. Fees	Min. Finance Charge	Balance Calc. Method for Purchases
Gold	14.88%, fixed	$35	None	Average Daily Balance (including new purchases)
Classic	14.88%, fixed	$12	None	Average Daily Balance (including new purchases)
Secured (Requires PNB Secured Savings Account with balance of credit limit plus $300)	14.88%, fixed	$12	None	Average Daily Balance (including new purchases)
Business	14.88%, fixed	$30 (includes 2 cards. Each additional card is $10)	None	Average Daily Balance (including new purchases)
Affinity Card St. Tammany Federation of Teachers and School Employees	12.90%, fixed	No Annual Fee	None	Average Daily Balance (including new purchases)
Affinity Card Slidell Chamber of Commerce	12.90%, fixed	$12	None	Average Daily Balance (including new purchases)
Affinity Card St. Tammany West Chamber of Commerce	12.90%, fixed	$12	None	Average Daily Balance (including new purchases)

Grace Period for Purchases: No finance charge will be charged on new purchases if you pay your entire balance by the payment due date shown on your monthly statement. The number of days in the grace period is 25 days.

Transaction fee for cash Advances: 4% of the amount of the cash advance.
* Late Payment Fee: $15.
Over Credit Limit Fee: $15.
* The Transaction Fee For Cash Advances is applicable only to Cash Advances obtained at an ATM, as overdraft protection, or at a bank or other financial institution.