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Unsecured Personal and Home Improvement Loans and Auto Loans

Personal loan rates are for a $5,000, two-year loan. Home improvement rates
are for a $7,500, five-year loan. Auto loan rates are the fixed rates available
with a 10 percent down payment, and the variable rates offered by each insti-
tution on a 48-month loan for a new car. All rates are as of 6/24/96, and may
vary by branch location. Rates may vary for customer and non-customer status.

PERSONAL AUTO HOME
INSTITUTION FIX. VAR. FIX. VAR. FIXED
Advantage FCU 11.95 NA 7.95 NA 9.45
Albion Fed. S&LA 13.50 NA 9.75 NA 10.50
Bank of Castile 11.75 NA 9.00 NA 12.95
Chase Manhattan 12.95 NA 8.99 NA 9.90
Citibank 13.99 NA 8.05 NA NA
Curtice Burns C.U. 12.90 NA 7.50 NA NA
ESL Federal C.U. 11.90 NA 7.95 NA 8.50
Fairport Fed. C.U. 12.90 NA 7.25 NA 11.50
Fairport S&LA NA NA NA NA 11.50
Finger Lakes FCU 11.00 NA 8.50 NA 9.95
First Federal NA NA 9.75 9.90 NA
First National 10.99 NA 8.74 NA 9.24
Fleet Bank 12.75 NA NA NA 8.95
Flower City FCU 10.50 NA 8.25 NA 10.50
Genesee Co-op C.U. 12.50 NA 9.00 NA NA
Hilton Fed. C.U. 12.00 11.00 8.25 8.00 NA
Irondequoit C.U. 11.00 NA 8.00 NA NA
Key Bank 13.49 12.49 9.25 8.25 10.99
Lexington Ave. C.U. 11.25 NA 6.75 NA 8.00
Lockport Savings Bank 12.90 NA 9.25 NA 9.95
M&T Bank 9.70 8.71 9.95 8.71 9.99
Marine Midland 15.00 14.49 10.75 9.99 13.99
Medina S&LA NA NA NA NA 9.75
OnBank 9.90 NA 9.00 NA 9.25
Pavilion State Bank 12.00 NA 9.50 NA 9.90
Penfield Fed. C.U. 11.90 NA 7.90 NA 8.90
Pittsford Fed. C.U. 13.00 12.00 7.75 NA NA
Rochester Community 12.75 11.98 9.25 9.75 9.98
Roch. & Mon. Cty. Emp. 13.00 NA 7.75 7.00 9.50
Roch. Postal Emp. C.U. 12.25 NA 7.50 NA NA
Rochester Ukrainian 9.75 9.50 7.50 7.00 8.75
Summit Fed. C.U. 11.95 10.45 7.90 8.25 8.00
WCTA Fed. C.U. 11.00 NA 7.95 NA 8.95
Wegmans Fed. C.U. NA NA 8.85 NA 11.35
Wyoming Cty. Bank 11.00 NA 8.75 NA 11.00
Xerox Fed. C.U. NA 13.50 9.25 7.00 NA

Rates may change without notice. NA-not available

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