American Heritage Credit Union

Hurry—your pre-approved offer ends November 16, 2020

You're Pre-Approved!*

Great Rates, Local Service

Dear %LOANENGINENAMEFIRST%,

Congratulations! Your responsible management of credit has earned you pre-approval for a special low rate on an American Heritage loan. Choose one of the loans below.

Choose one of the offers below:

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%IF in_string('Classic Auto Purchase', $LOANENGINECLASSICAUTOPURCHASEN)%

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%IF in_string('Platinum Mastercard', $LOANENGINEPLATINUMMASTERCARDN)%

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%IF in_string('Cash Reward Master Card', $LOANENGINECASHREWARDMASTERCARDN)%

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%IF in_string('Unsecured Personal Loan', $LOANENGINEUNSECUREDPERSONALLOANN)%

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AUTO LOAN1

%LOANENGINEAUTOLOANR% APR** for %LOANENGINEAUTOLOANT% months — Pre-Approved up to %LOANENGINEAUTOLOANA%

AUTO REFINANCE2

%LOANENGINEAUTOREFINANCER% APR** for %LOANENGINEAUTOREFINANCET% months — Pre-Approved up to %LOANENGINEAUTOREFINANCEA%

CLASSIC AUTO PURCHASE3

%LOANENGINECLASSICAUTOPURCHASER% APR** for %LOANENGINECLASSICAUTOPURCHASET% months — Pre-Approved up to %LOANENGINECLASSICAUTOPURCHASEA%

PLATINUM MASTERCARD®4

%LOANENGINEPLATINUMMASTERCARDR% APR** — Pre-Approved up to %LOANENGINEPLATINUMMASTERCARDA%

CASH REWARD MASTERCARD®5

%LOANENGINECASHREWARDMASTERCARDR% APR** — Pre-Approved up to %LOANENGINECASHREWARDMASTERCARDA%

UNSECURED PERSONAL LOAN6

%LOANENGINEUNSECUREDPERSONALLOANR% APR** for %LOANENGINEUNSECUREDPERSONALLOANT% months — Pre-Approved up to %LOANENGINEUNSECUREDPERSONALLOANA%

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 approved amount, please contact us. A full application may be required. See below for details.

Accept your American Heritage Credit Union pre-approved loan today!

It's easy—just go to AHCU.co/MyOffer from your computer or smart device and enter the following code to see your great offers!
Your American Heritage Credit Union pre-approved loan code is: %LOANENGINECOUPONCODE%
Once online, you can even customize your offer to better fit your budget!
If you have questions, call us at 215.969.0777 or stop by anytime.

Hurry! Offer ends November 16, 2020.

Federally Insured by NCUA

EQUAL HOUSING LENDER

2060 Red Lion Road, Philadelphia, PA 19115

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('Auto Loan', $LOANENGINEAUTOLOANN)% %/IF% %IF in_string('Auto Refinance', $LOANENGINEAUTOREFINANCEN)% %/IF% %IF in_string('Classic Auto Purchase', $LOANENGINECLASSICAUTOPURCHASEN)% %/IF% %IF in_string('Platinum Mastercard', $LOANENGINEPLATINUMMASTERCARDN)% %/IF% %IF in_string('Cash Reward Master Card', $LOANENGINECASHREWARDMASTERCARDN)% %/IF% %IF in_string('Unsecured Personal Loan', $LOANENGINEUNSECUREDPERSONALLOANN)% %/IF%

* We used information that we obtained on you 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 criteria used to select you for this offer or any other applicable criteria bearing on creditworthiness, or if you do not provide the required collateral. Not all applicants will qualify for the lowest rate. Membership eligibility is required.

** APR=Annual Percentage Rate

1 Auto Loan: Offer based on loan term of 63 months. American Heritage Credit Union finances 125% of MSRP (new vehicles) or the NADA Retail Value (used vehicles). The maximum interest rate for this offer is 18.00% APR, and the minimum approved loan amount is $4,000. This offer may also be withdrawn if the value of the vehicle you are purchasing exceeds 125% of Loan-to-Value. Not all applicants will qualify for the lowest rate. Payment example: A 63-month loan of $16,000 at 2.99% fixed APR will have 63 monthly payments of $17.96 per $1,000 borrowed. Rates current as of April 1, 2020, and are subject to change based on market conditions and borrower eligibility. Other rates and terms available. Subject to credit review. May not be combined with other offers.

2 Auto Refinance: If you continue to meet the criteria used to select you for this offer and our creditworthiness criteria, you are pre-approved for an auto refinance loan of no less than $4,000 from American Heritage Credit Union for this offer and no more than $150,000, at an interest rate of no more than 18% APR, calculated according to the simple interest for a term of between 36 and 84 months. American Heritage Credit Union finances 125% of MSRP (new vehicles) or the NADA Retail Value (used vehicles). Refinance restrictions apply. Payment example: A 63-month loan of $16,000 at 2.99% fixed APR will have 63 monthly payments of $17.96 per $1,000 borrowed. Rates current as of April 1, 2020, and are subject to change based on market conditions and borrower eligibility. Other rates and terms available. Subject to credit review. This offer may be withdrawn if the value of the vehicle you are refinancing exceeds 125% of Loan-to-Value (LTV). May not be combined with other offers.

3 Classic Auto Purchase: Offer based on loan term of 48 months. American Heritage Credit Union finances 125% of MSRP (new vehicles) or the NADA Retail Value (used vehicles). The maximum interest rate for this offer is 18.00% APR, and the minimum approved loan amount is $2,500. This offer may also be withdrawn if the value of the vehicle you are purchasing exceeds 125% of Loan-to-Value. Not all applicants will qualify for the lowest rate. Payment example: A 48-month loan of $10,000 at 7.59% fixed APR will have 48 monthly payments of $24.22 per $1,000 borrowed. Rates current as of April 1, 2020, and are subject to change based on market conditions and borrower eligibility. Other rates and terms available. Subject to credit review. May not be combined with other offers.

4 Platinum Mastercard®: 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 American Heritage Credit Union Platinum Mastercard with a limit of at least $3,000. The maximum APR for an American Heritage Credit Union Platinum Mastercard is 12.90%. Rates current as of April 1, 2020, and are subject to change based on market conditions and borrower eligibility. Mastercard is a registered trademark of Mastercard International, Inc.

5 Cash Reward Mastercard®: 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 American Heritage Credit Union Cash Reward Mastercard with a limit of at least $3,000. The maximum APR for an American Heritage Credit Union Cash Reward Mastercard is 16.74%. Rates current as of April 1, 2020, and are subject to change based on market conditions and borrower eligibility. Mastercard is a registered trademark of Mastercard International, Inc.

6 Unsecured Personal Loan: Payment example: A 60-month loan of $10,000 at 8.74% fixed APR will have 60 monthly payments of $20.63 per $1,000 borrowed. Rates current as of April 1, 2020, and are subject to change based on market conditions and borrower eligibility. The minimum approved loan amount is $300.

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PLATINUM CREDIT CARD & CASH REWARD MASTERCARD APPLICATION AND SOLICITATION DISCLOSURE

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

Platinum: 9.99% based on your creditworthiness; the APR will vary with the market based on the Prime Rate.

Cash Reward: 9.99% based on your creditworthiness; the APR will vary with the market based on the Prime Rate.

Annual Percentage Rate (APR) for Balance Transfers

Annual Percentage Rate (APR) for Cash Advances

How to Avoid Paying Interest on Purchases

Your due date is at least 27 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.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to 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

$0 or 0% of the amount of each balance transfer, whichever is greater

$0 or 0% of the amount of each cash advance, whichever is greater

Platinum: 0.03% of each transaction in U.S. dollars
Cash Reward: 0.80% of each transaction in U.S. dollars completed outside the U.S. 0.20% of each transaction in U.S. dollars completed in a foreign currency

Penalty Fees

• Late Payment

• Over-the-Credit-Limit

• Returned Payment

$20.00

$25.00

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 1, 2020. This information may have changed after that date. To find out what may have changed, contact American Heritage Credit Union.

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