Federal Reserve

BULLETIN

Figure 1

Annual Percentage Rate (APR)
Overall cost of this loan including interest and settlement charges: 7.41% APR

A horizontal line represents a range of possible APRs, from less than 6.50% to greater than 12.00%. The range from less than 6.50% to 8.00% is light gray; the range from 8.00% to 12.00% and greater is dark gray. 6.50% is labeled "Average Best APR." A point between 7.00% and 7.50% is labeled in bold text, "this loan: 7.41% APR." The range from 8.00% to 12.00% and greater is labeled in reverse italic text, "high cost zone."

How does this loan compare?
For the week of February 23, 2009, the average APR on similar conforming loan offered to applicants with excellent credit was 6.50%. Today, and APR of 8.00% or above is considered high cost and is usually available to applicants with poor credit history.

How much could I save by lowering my APR?
For this loan, a 1% reduction in the APR could save you an average of $135 a month.

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Figure 2

FACTS
What does Mars Bank do with your personal information?

Why?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?
The types of personal information we collect and share depend on the product or service you have with us. This information can include:

• Social Security number and income
• account balances and payment history
• credit history and credit scores

When you are no longer our customer, we continue to share information about you as described in this notice.

How?
All financial companies need to share customers' personal information to run their everyday business--such as to process transactions, maintain customer accounts, respond to court orders and legal investigations, and report to credit bureaus. In the section below, we list the reasons fi nancial companies can share their customers' personal information; the reasons Mars Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Mars Bank share?	Can you limit this sharing?
For our everyday business purposes- to process your transactions, maintain your account, and report to credit bureaus	Yes	No
For our marketing purposes- to offer our products and services to you	Yes	No
For joint marketing with other financial companies	No	We don't share
For our affiliates' everyday business purposes- information about your transactions and experiences	No	We don't share
For our affiliates' everyday business purposes- information about your creditworthiness	No	We don't share
For our affiliates to market to you	No	We don't share
For nonaffiliates to market to you	No	We don't share

Contact Us
Call 1-800-898-9696 or go to www.marsbankco.com/privacy

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Figure 3

Payment schedule: Payments will be due monthly

Number of Payments	Amount of Payment	Payments Begin
36	$ 1,564.94	04/01/2010
323	$ 1,607.07	04/01/2013
2	$ 1,605.09	03/01/2040

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Figure 4

INTEREST RATE AND PAYMENT SUMMARY

	INTRODUCTORY Rate & Monthly Payment (for first 3 years)	MAXIMUM during FIRST FIVE YEARS (Mar. 2015)	MAXIMUM EVER (as early as Mar. 2017)
Interest Rate	4.75%	8.75%	10.75%
Principal + Interest Payment	$1,564.94	$2,286.12	$2,662.14
Est. Taxes + Insurance (Escrow)	$433.33	$433.33	$433.33
Total Est. Monthly Payment	$1,998.27	$2,719.45	$3,095.47

Introductory Rate Notice
You have a discounted introductory rate of 4.75% that ends after 3 years. In the fourth year, even if market rates do not change, this rate will increase to 5.00%.

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