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Prescreen Notice and Disclosures

Prescreen & Opt-Out Notice
Pre-qualified status: Information from a credit bureau was used in connection with this offer. You received this offer because you satisfied certain credit union criteria for creditworthiness as of the date of the credit bureau information. If you respond to this offer but do not meet the criteria for loan/line prequalification at the time of your application or if you do not provide the required vehicle collateral, we may not be able to extend credit to you.

You have the right to prohibit the use of information contained in your credit file with any consumer credit reporting agency in connection with any credit transaction that is not initiated by you.

Credit may not be extended if, after you respond, we find that you do not meet the following criteria, including but not limited to, length of employment, your income, debt status, and ability to pay in relation to the loan amount requested. Additional criteria may apply. We can cancel this offer if you do not meet the criteria established in this offer.

You may contact any of the credit reporting agencies by calling 1-888-5-OPT OUT (567-8688) or write to them at the addresses below:
• Experian Marketing, P.O. Box 919, Allen, TX 75013-0919
• Trans Union, Opt Out Request, P.O. Box 505, Woodlyn, PA 19094-0505
• Equifax Options, P.O. Box 740123, Atlanta, GA 30374-0123

Annual Percentage Rate and Other Important Program Information:
¹ Interest accrues from date loan is funded.
² APR = Annual Percentage Rate. 2.99% APR is the lowest available rate that includes a .35% discount for AutoPay, and can vary based on creditworthiness, age of vehicle and terms of the loan. Actual rate may vary and is based on individual creditworthiness. Sample payment: If you borrow $20,000 at 2.99% APR for 60 months, your monthly payment will be $359.28. Financing up to retail value of the auto is available. Rates are subject to change without notice. Auto loans currently financed through the credit union cannot be
refinanced with this offer.
³ Bi-annual Skip-A-Payment feature is available for qualified loans in good standing twice yearly and must be prearranged with the credit union. Contact a member services representative for details.

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