Personal Loan Rates

Effective Date: April 1, 2008 |

Personal Loans
Share/Certificate Secured Loans
Share or Certificate Rate + 3.0% APR* rounded to the next .25% APR*
Personal Line of Credit
10.00% APR*
All Other Personal Loans
Term	Loan Amount	Fixed Rate
36	0 to $4999	Rates between 11.25% and 17.99% APR*
48	min $5000	Rates between 11.25% and 17.99% APR*
60	min $7500	Rates between 10.75% and 17.99% APR*

* APR = Annual Percentage Rate. There are no fees to apply for any personal Columbia loan.

Line of Credit rate is variable, based on the Wall Street Journal Western Edition prime rate as of the last day of November, February, May and August, plus a margin of 3.25%. Rates will adjust quarterly on the first calendar day of January, April, July and October and will not be less than 10% nor more than the maximum rate permitted by law.

All Other Personal Loan rates are not variable, may differ by applicant and are based on credit qualifications.