*Share Secured Advances: The ANNUAL PERCENTAGE RATE (APR) for the Share Secured advances will be 2.0 % above the dividend rate being paid on the date of the advance. When the dividend rate paid on a Share Secured advance changes, the APR will change. Any increase in the APR will result in more
payments of the same amount. The present APR and Daily Periodic Rate will be disclosed on the Funds Advance Voucher accompanying the advance.

**Certificate Secured Advances: The ANNUAL PERCENTAGE RATE (APR) for the Certificate Secured advances will be 2.0% above the dividend rate being paid on the date of the advance. Certificates offered as security must be renewed until the advance is completely paid. When the dividend rate paid on a certificate account changes, the loan Annual Percentage Rate will change. Failure to renew the certificate will result in default. Any increase in the APR will result in more payments of the same amount. The present APR and Daily Periodic Rate will be disclosed on the Funds Advance Voucher accompanying the advance.

***All rates listed are the best possible rates available. All rates are based on credit qualifications with the exception of Certificate and Share secured rates. Rates are subject to change without notice.

For more detailed information on our loan rates, please call a loan officer at Georgia Power Valdosta Federal Credit Union