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	Consumer Loans Additional Fixed Rate Consumer Loans Type Term Description Annual Percentage Rates EnergySmart Unsecured Home Improvement Loan^ 60 $20,000 maximum, owner occupied property 7.25%* EnergySmart Unsecured Home Improvement Loan^ 84 $20,000 maximum, owner occupied property 8.25%* Fixed Rate Consumer Loans Type Term Description Annual Percentage Rates Home Improvement (Unsecured)** 60 $20,000 maximum, owner occupied property 9.25%* Home Improvement (Unsecured)** 84 $20,000 maximum, owner occupied property 10.25% * Signature Loan (Unsecured)** 60 $10,000 maximum 9.75% * Variable Rate Consumer Loans Type Description Annual Percentage Rates Shared Secured   Shared Dividend plus 3% Certificate Secured   Certificate rate plus 3%   Effective date 10/01/2008 Example: A $10,000 loan with a rate of 7.25% APR for 60 months: monthly payment is approximately $208.96.  Total finance charge is $2,047.72.  Includes life and disability protection. Example: A $10,000 loan with a rate of 9.25% APR for 60 months: monthly payment is approximately $219.47.  Total finance charge is approximately $2,659.90.  Includes life and disability protection. Example: A $15,000 loan with a rate of 10.25% APR for 84 months: monthly payment is approximately $268.90.  Total finance charge is approximately $6,520.80.  Includes life and disability protection. Example: A $10,000 loan with a rate of 9.75% APR for 60 months: monthly payment is approximately $ 222.13.  Total finance charge is approximately $2,815.13.  Includes life and disability protection.

*Final rate determined by credit history.

^**Rates include .25% discount for payments made through payroll deduction or automatic transfer from another NECU account, plus .25% discount for an active Northeast VISA credit card.  "Active" defined as having a transaction (purchase, cash advance or payment) in the last 90 days.  And, .25% discount for having eChecking or Relationship Checking with eStatements and an active CyberPay account.  "Active" is defined as having used CyberPay in the last 3 months.

^EnergySmart loan can be used for appliances and heating and cooling materials for your home.  This includes, but is not limited to, boilers, central air conditioning, ceiling fans, windows, doors, skylights, washer and dryers, dishwashers and refrigerators.  Minimum amount that can be borrowed is $500, with maximum of $20,000, not tied to homes equity.  Final rate determined by credit history.  No other discounts apply.

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