* Other Collateral: Motorcycles, Personal Watercraft, Recreational Vehicles, Campers, Boats, Motor-homes, Travel Trailers and Farm Equipment.

** Share or Certificate Secured: For Share Secured Loans, the Annual Percentage Rate will be the dividend rate paid on regular shares the previous quarter (Index) plus 2%. For Certificate Secured Loans, the APR will be the dividend rate being paid on the Certificate offered as security (Index) plus the percentage shown in the Financing column above.

Share Secured: The APR will be the dividend rate paid on regular shares the previous quarter (Index) plus the percentage shown in the "Financing" column above. If there is an existing balance on the date of the new advance, the existing balance will be added to the new advance and the entire amount will be at the new APR. The rates are subject to change quarterly on the 1st day of January, April, July and October to reflect any change in the Index. Any increase in the APR will result in more payments of the same amount until what you owe is repaid.

Certificate Secured: The APR will be the dividend rate being paid on the Certificate offered as security (Index) plus the percentage shown in the "Financing" column above. The Certificate must either be renewed until the advance is completely paid or be rolled over into a share account, at which point the advance will become a Share Secured advance and be subject to those terms. Failure to renew the Certificate or roll it over to a share account will result in default under the Plan. When the Certificate is renewed, the APR will change to reflect the new dividend rate. Any increase in the APR will result in more payments of the same amount until what you owe is repaid. The present APR and daily periodic rate for certificate secured advances will be disclosed on the voucher at the time of the advance.

Partially Share Secured***: The Annual Percentage Rates will be the Signature Loan rate qualified for minus the discount percentage shown under "Financing" column above.

Collection Costs: You agree to pay all costs of collecting the amount you owe under this agreement including court costs and reasonable attorney fees not in excess of 15% of the unpaid debt.

Filing Fees: You may be responsible for a filing fee at the time of advance if the Credit Union takes a security interest in your collateral. The amount of the filing fee will be based upon the amount of the fee required by state law for the Credit Union to obtain a lien on your property.

Late Payment Fee: If Atlanta Postal Credit Union does not receive the full amount of your loan payment within ten (10) calendar days of your payment due date, your payment will be considered late. You will be charged and required to pay a late payment fee of $20.00 each time your payment is late.