Farmers State Bank of Phillipsburg

Standard Agricultural:
	Operating:		8.45%	varies monthly
	M & E:		8.45%	varies monthly
	Livestock:		7.95%	varies monthly
	Real Estate:		7.00%	3 year balloon or 3 year variable
Standard Commercial:
	Operating:		8.95%	varies monthly
	M & E:		8.95%	varies monthly
	Real Estate:		7.75%	3 year balloon or 3 year variable
	Livestock:		7.95%	varies monthly
	Rental (residential):		7.50%	3 year balloon
	Commercial rates and re-pricing frequency can vary depending upon factors such as risk, cash flows, collateral margins, and financial and managerial strengths.
Consumer:			*APR
	Real Estate:		6.75%	5 year balloon

	Auto Loans
		36 months	48 months	60 months
	New	5.50%	6.00%	7.00%
	Used	6.75%	7.00%	7.50%
	2002 & older	8.95%	9.25%	9.75%

	Unsecured	12.95%
	Other than Auto	11.75%

CD secured loans:
	2.50% over quoted Certificate of Deposit Interest Rate.
	Minimum interest rate of 5.00%

*APR = Annual Percentage Rate
All consumer Interest Rates are to be quoted as "Annual Percentage Rate"

Consumer and Residential Loans may require up to a 25% down payment. Please contact us for details.

* Please call or e-mail us for current rates.