Effective Date: February 1, 2008

Back-to-School Loan Annual Percentage Rate............... 10.00% Daily periodic rate...............  .027397% Financing Period ...............up to 12 months Maximum allowed...............  $1,500.00 IRS Loan Annual Percentage Rate...............  10.00% Daily rate................ ..027322% Payment Term...............  maximum of 12 months Maximum allowed..............  $3,500.00

Jack Daniel Employees' CU
PO Box 199
488 Majors Blvd
Lynchburg, TN  37352

Phone: 931-759-5513

Fax: 931-759-5607

Email: jdecu@vallnet.com

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