Affinity Plus Federal Credit Union

Hurry, your pre-approved offer ends July 20, 2020.

Dear %LOANENGINENAMEFIRST%,

As we continue to experience uncertain times, your safety and well-being are at the top of our priority list. This includes your financial health.

With that in mind, we want to let you know you've been pre-approved for loans with Affinity Plus. Our experienced loan officers will work with you to find options that make sense for your financial situation.

You can select your pre-approved offer from either the mobile app or online banking. Just look for it on the first screen after logging in. Then after you pick your offer, a member advisor will be in touch to get some final details (it's nice and quick). And if you haven't downloaded the mobile app or set up online banking yet, you can do both from affinityplus.org.

Be sure to check it out before July 20, 2020.

P.S. If you're in the market for a new vehicle, use the Affinity Plus Car Buying Service powered by TRUECar to find your next car.

Choose one of the offers below:

%IF in_string('New Auto Loan', $LOANENGINENEWAUTOLOANN )%

NEW AUTO LOAN1
%LOANENGINENEWAUTOLOANR% fixed APR** for %LOANENGINENEWAUTOLOANT% months — Pre-Approved up to %LOANENGINENEWAUTOLOANA%

%/IF% %IF in_string('Used Auto Loan', $LOANENGINEUSEDAUTOLOANN )%

USED AUTO LOAN2
%LOANENGINEUSEDAUTOLOANR% fixed APR** for %LOANENGINEUSEDAUTOLOANT% months — Pre-Approved up to %LOANENGINEUSEDAUTOLOANA%

%/IF% %IF in_string('Used Boat Loan', $LOANENGINEUSEDBOATLOANN )%

USED BOAT LOAN3
%LOANENGINEUSEDBOATLOANR% fixed APR** for %LOANENGINEUSEDBOATLOANT% months — Pre-Approved up to %LOANENGINEUSEDBOATLOANA%

%/IF% %IF in_string('Visa Select Rewards', $LOANENGINEVISASELECTREWARDSN )%

VISA®SELECT REWARDS CREDIT CARD4
%LOANENGINEVISASELECTREWARDSR% variable APR** — Pre-Approved up to %LOANENGINEVISASELECTREWARDSRA%

%/IF% %IF in_string('Homeowner Personal', $LOANENGINEHOMEOWNERPERSONALN )%

HOMEOWNER PERSONAL LOAN5
%LOANENGINEHOMEOWNERPERSONALR% fixed APR** for %LOANENGINEHOMEOWNERPERSONALT% months — Pre-Approved up to %LOANENGINEHOMEOWNERPERSONALA%

%/IF%

PLEASE NOTE: You have been pre-approved for your choice of one of the above offers. If you would like to take advantage of more than one offer, or would like to request more than your pre-approved amount, please contact us. A full application may be required. See below for details.

Accept your Affinity Plus pre-approved loan today!

Call (800) 322-7228 and select option 3,
OR just log in to online banking at affinityplus.org or your mobile banking app, and look for your special offer on the first screen

HURRY! Offer ends July 20, 2020.

Federally Insured by NCUA

EQUAL HOUSING LENDER

175 W Lafayette Frontage Rd • St Paul, MN 55107

You can choose to stop receiving "prescreened" offers of credit from this and other companies by calling toll-free 1-888-567-8688. See PRESCREEN & OPT-OUT NOTICE† below for more information about prescreened offers.

†PRESCREEN & OPT-OUT NOTICE
This "prescreened" offer of credit is based on information in your credit report indicating that you meet certain criteria for creditworthiness. This offer is not guaranteed if you do not meet our criteria (including providing acceptable property as collateral). If you do not want to receive prescreened offers of credit from this and other companies, call the consumer reporting agencies toll-free at 1-888-5OPT-OUT (1-888-567-8688); or visit the website at www.optoutprescreen.com or write:
Equifax Options, P.O. Box 740123, Atlanta, GA 30374-0123
TransUnion, Opt Out Request, P.O. Box 505, Woodlyn, PA 19094-0505
Experian Consumer Opt Out, P.O. Box 919, Allen, TX 75013

%IF in_string('New Auto Loan', $LOANENGINENEWAUTOLOANN )% %/IF% %IF in_string('Used Auto Loan', $LOANENGINEUSEDAUTOLOANN )% %/IF% %IF in_string('Used Boat Loan', $LOANENGINEUSEDBOATLOANN )% %/IF% %IF in_string('Visa Select Rewards', $LOANENGINEVISASELECTREWARDSN )% %/IF% %IF in_string('Homeowner Personal', $LOANENGINEHOMEOWNERPERSONALN )% %/IF%

* We used information on you that we obtained from a consumer reporting agency in connection with this “Pre-Approved” offer. You were selected to receive this offer because you satisfied certain criteria for creditworthiness, which we previously established. The offered credit may not be extended if, after you respond to this offer, we determine that you do not meet the required collateral. Not all applicants will qualify for the lowest rate. Membership eligibility is required.

** APR=Annual Percentage Rate

1 New Auto Loan: Rates are effective as of April 13, 2020, and subject to change based on market conditions and borrower eligibility. Actual rate based on applicant's credit history. All loans are subject to credit approval. Offer based on loan term of 60 months. Affinity Plus Federal Credit Union finances 125% of MSRP (new vehicles) or the NADA Retail Value (used vehicles). The maximum interest rate for this offer is 9.74% APR and the minimum approved loan amount is $5,000 (minimum loan amount for the 84-month loan is $25,000). Vehicle must be model year 2019 or newer. This offer may also be withdrawn if the value of the vehicle you are purchasing exceeds 125% of Loan-to-Value (LTV). Not all applicants will qualify for the lowest rate. Other rates and terms available. Subject to credit review. May not be combined with other offers. Payment Example: A %LOANENGINENEWAUTOLOANT%-month loan of %LOANENGINENEWAUTOLOANA% at %LOANENGINENEWAUTOLOANR% fixed APR will have %LOANENGINENEWAUTOLOANT% monthly payments of %LOANENGINENEWAUTOLOANP% per $1,000 borrowed.

2 Used Auto Loan: Rates are effective as of April 13, 2020, and subject to change based on market conditions and borrower eligibility. Actual rate based on applicant's credit history. All loans are subject to credit approval. Offer based on loan term of 60 months. Affinity Plus Federal Credit Union finances 125% of MSRP (new vehicles) or the NADA Retail Value (used vehicles). The maximum interest rate for this offer is 11.49% APR and the minimum approved loan amount is $5,000 (minimum loan amount for the 84-month loan is $25,000). Vehicle must be model year 2014 or newer. This offer may also be withdrawn if the value of the vehicle you are purchasing exceeds 125% of Loan-to-Value (LTV). Not all applicants will qualify for the lowest rate. Other rates and terms available. Subject to credit review. May not be combined with other offers. Payment Example: A %LOANENGINEUSEDAUTOLOANT%-month loan of %LOANENGINEUSEDAUTOLOANA% at %LOANENGINEUSEDAUTOLOANR% fixed APR will have %LOANENGINEUSEDAUTOLOANT% monthly payments of %LOANENGINEUSEDAUTOLOANP% per $1,000 borrowed.

3 Used Boat Loan: Rates are effective as of April 13, 2020, and subject to change based on market conditions and borrower eligibility. Up to 125% financing of retail value, including tax, license, document fees and service maintenance contracts, on approved credit. Actual rates based on applicant’s credit history. Payment Example: A %LOANENGINEUSEDBOATLOANT%-month loan of %LOANENGINEUSEDBOATLOANA% at %LOANENGINEUSEDBOATLOANR% fixed APR will have %LOANENGINEUSEDBOATLOANT% monthly payments of %LOANENGINEUSEDBOATLOANP% per $1,000 borrowed. The minimum approved amount for 144-month or longer loan is $25,000. Additional collateral requirements and restrictions apply for loan terms over 144 months.

4 Visa® Select Rewards Credit Card: Rates stated available on approved credit and may be different as determined by the individual creditworthiness of each applicant. You are pre-approved for an Affinity Plus Federal Credit Union Visa Premier Select Rewards Credit Card with a limit of at least $5,000. The maximum annual percentage rate for an Affinity Plus Federal Credit Union Visa Premier Select Rewards Credit Card is 18.00% APR. Rates current as of April 13, 2020, and are subject to change based on market conditions and borrower eligibility. Offer does not apply to existing Affinity Plus Federal Credit Union credit lines. This offer is nontransferable, subject to credit approval. Special rates are valid for purchases made during the 90-day promotional period which begins when the new card is approved. Valid only for balance transfers from other credit card companies, financial institutions, or department store credit cards and not be made payable to you, cash, or to make payments toward amounts you owe Affinity Plus Federal Credit Union. Any balance transfers or purchases processed after the promotional period will incur finance charges at your card's standard rate. To the extent your payments exceed the minimum payment due each billing period, we will apply them to balances with higher rates prior to balances with lower rates. Balance transfers are treated as and considered cash advances on your credit card and will begin to accrue finance charges from the date they are posted to your account. Cash advances (other than this balance transfer offer) will carry your card's standard rate. No grace period on cash advances and balance transfers. Amounts transferred are subject to your available credit limit. We are not required to honor a balance transfer request that will cause you to exceed your available credit limit. It may take up to three (3) weeks to post the balance transfer transaction. You should continue to make all required payments until you confirm that the balance transfer was made. Affinity Plus will not be responsible for any finance charges or late fees incurred due to your nonpayment. We will not close your other accounts even if you transfer the entire balance. If you wish to close another account, you should contact the issuer directly.

5 Homeowner Personal Loan: Rate effective as of April 13, 2020, and subject to change based on market conditions and borrower eligibility. The maximum interest rate for this offer is 9.25% APR and the minimum approved loan amount is $250. Maximum term of 72 months and maximum approved loan amount is $35,000. Home must be member's primary residence. Controlling of funds is required. Payment Example: A %LOANENGINEHOMEOWNERPERSONALT%-month loan of %LOANENGINEHOMEOWNERPERSONALA% at %LOANENGINEHOMEOWNERPERSONALR% fixed APR will have %LOANENGINEHOMEOWNERPERSONALT% monthly payments of %LOANENGINEHOMEOWNERPERSONALP% per $1,000 borrowed.

%IF in_string('Visa Select Rewards', $LOANENGINEVISASELECTREWARDSN )%

VISA® SELECT REWARDS CREDIT CARD APPLICATION AND SOLICITATION DISCLOSURE

Interest Rates and Interest Charges

Variable Annual Percentage Rate (APR) for Purchases, Cash Advances and Balance Transfers

2.90% Introductory APR for 12 months for any purchase(s) or transfer(s) completed within the first 90 days of account opening.
* After that, your Standard APR will be 11.15%, 13.15%, 15.15%, or 18.00% depending on your credit history. This APR will vary with the market based on the Prime Rate.

How We Will Calculate Your Variable APR

Variable rates are calculated by adding together an index and a margin. This index is the highest U.S. Prime Rate as published in the “Money Rates” section of “The Wall Street Journal” on the last publication day of each month. An increase or decrease in the index will cause a corresponding increase or decrease in your variable rates on the first day of your billing cycle that begins in the same month in which the index is published. An increase in the index means that you will pay higher interest charges and have a higher Total Minimum Payment Due. If "The Wall Street Journal" does not publish the U.S. Prime Rate, or if it changes the definition of the U.S. Prime Rate, we may, in our sole discretion, substitute another index.

Paying Interest

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.

Minimum Interest Charge

None

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn about factors you should consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at: http://www.consumerfinance.gov/learnmore.

Fees

Annual Fee

None

Transaction Fees

• Balance Transfer

• Cash Advance

• Foreign Transaction

None

Either $2.00 or 2% of the amount of each cash advance, whichever is greater

1% of each transaction converted to U.S. dollars

Penalty Fees

• Late Payment

• Over-the-Credit Limit

$15.00

$20.00

How We Will Calculate Your Balance. We use a method called "average daily balance (including new purchases)."

Effective Date. The information about the costs of the card described in this disclosure is accurate as of April 13, 2020. This information may have changed after that date. To find out what may have changed, contact Affinity Plus.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account Agreements.

*Introductory rates for balance transfers are valid only for balance transfers from other credit card companies, financial institutions, or department store credit cards. Convenience checks may not be made payable to you, "cash", or to make payments toward amounts you owe Affinity Plus Federal Credit Union.

%/IF%