Fortera Credit Union

Hurry, your pre-approved offer ends September 15, 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 a Fortera Credit Union loan.

You can choose any one of the loans below. So whatever big purchase you've wanted to make—now's the time! And with your pre-approved status, you're one step closer to having what you want!

Choose one of the offers below:

%IF in_string('Auto Loan', $LOANENGINEAUTOLOANN )%

AUTO LOAN1
%LOANENGINEAUTOLOANR% APR** for %LOANENGINEAUTOLOANT% months — Pre-Approved up to %LOANENGINEAUTOLOANA%

%/IF%%IF in_string('Home Equity LOC', $LOANENGINEHOMEEQUITYLOCN)%

HOME EQUITY LOC2
%LOANENGINEHOMEEQUITYLOCR% APR** — Pre-Approved up to %LOANENGINEHOMEEQUITYLOCA%

%/IF%%IF in_string('Home Equity Loan', $LOANENGINEHOMEEQUITYLOANN )%

HOME EQUITY LOAN3
%LOANENGINEHOMEEQUITYLOANR% APR** for %LOANENGINEHOMEEQUITYLOANT% months — Pre-Approved up to %LOANENGINEHOMEEQUITYLOANA%

%/IF%%IF in_string('Fortera Rewards MasterCard', $LOANENGINEFORTERAREWARDSMASTERCARDN )%

FORTERA REWARDS MASTERCARD4
%LOANENGINEFORTERAREWARDSMASTERCARDR% APR** — Pre-Approved up to %LOANENGINEFORTERAREWARDSMASTERCARDA%

%/IF%%IF in_string('Homeowner Advantage', $LOANENGINEHOMEOWNERADVANTAGEN )%

HOMEOWNER ADVANTAGE5
%LOANENGINEHOMEOWNERADVANTAGER% APR** for %LOANENGINEHOMEOWNERADVANTAGET% months — Pre-Approved up to %LOANENGINEHOMEOWNERADVANTAGEA%

%/IF%%IF in_string('Fortera World MasterCard', $LOANENGINEFORTERAWORLDMASTERCARDN )%

FORTERA WORLD MASTERCARD66
%LOANENGINEFORTERAWORLDMASTERCARDR% APR** — Pre-Approved up to %LOANENGINEFORTERAWORLDMASTERCARDA%

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

Accept your Fortera Credit Union pre-approved loan today!

CALL: 931-431-2258 OR VISIT: www.forteracu.com

LEARN MORE

HURRY! Offer ends September 15, 2020.

Federally Insured by NCUA

P.O. Box 30669 • Clarksville, TN 37040-9998

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('Home Equity LOC', $LOANENGINEHOMEEQUITYLOCN)% %/IF%%IF in_string('Home Equity Loan', $LOANENGINEHOMEEQUITYLOANN )% %/IF%%IF in_string('Fortera Rewards MasterCard', $LOANENGINEFORTERAREWARDSMASTERCARDN )% %/IF%%IF in_string('Homeowner Advantage', $LOANENGINEHOMEOWNERADVANTAGEN )% %/IF%%IF in_string('Fortera World MasterCard', $LOANENGINEFORTERAWORLDMASTERCARDN )% %/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 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: The APR is the advertised rate and can vary based on creditworthiness, age of vehicle and terms of the loan. Your rate can be higher or lower depending on credit performance. Financing in excess of the retail value of the auto is available. Rate is subject to change without notice. Auto loans currently financed through the credit union cannot be refinanced with this offer. No loans will have a rate below 2.99% APR. Membership eligibility required. Loan-to-Value restrictions apply. Maximum debt-to-income ratio is 45%. Interest accrues from date of loan closing.

2 HOME EQUITY LOC: APR effective July 1, 2020, and may change based on market conditions or borrower eligibility. Introductory 1.99% APR is fixed for 6 months and variable thereafter. Variable APR equal to "The Wall Street Journal" Prime Rate (currently 3.25%) with a minimum APR of 3.25% and a maximum APR of 15.00%. Subject to credit approval. Your APR may be higher based on the prevailing variable-rate index value, your credit qualifications, the amount of your credit line, combined Loan-to-Value, and/or property type. Minimum credit line is $3,000.00. Maximum credit line is $150,000.00. Ten-year draw period followed by a twenty-year repayment period. Homeowner’s property insurance is required. Flood insurance may be required. Credit line together with any other mortgage(s) cannot exceed 95% of the property value on 1-4 family, owner-occupied properties. Non-owner occupied properties subject to different terms. Offer does not apply to existing Fortera Federal Credit Union credit lines. Maximum debt ratio of 45%. Membership eligibility is required. Offer available for properties in TN and KY only.

3 HOME EQUITY LOAN: Owner-occupied properties only. Sample monthly payment for principal and interest based on $20,000.00 balance with a 120-month, fixed rate of 4.74% APR would be $209.61 for 120 payments. Loan payment example does not include taxes or insurance premiums. Automatic payments are not required for loan approval. Subject to credit approval. Your APR may be higher based on your credit qualifications, combined Loan-to-Value, and/or property type. If a member wants an appraisal to support a higher value, any appraisal cost will be paid by the member, who is responsible for the fee whether or not the loan closes. Property insurance is required. Consult your tax advisor regarding deductibility. Maximum debt ratio of 45%. Rates effective as of July 1, 2020. Rates may change without notice. Offer available for properties in TN and KY only.

4 FORTERA REWARDS MASTERCARD®: Your APR will be %LOANENGINEFORTERAREWARDSMASTERCARDR% to 17.90% based on your creditworthiness. This APR will vary with the market based on Prime Rate. Minimum payment is up to 3% of outstanding balance or $25.00, whichever is greater. Credit limit will be based on creditworthiness. Maximum debt-to-income ratio is 45%. See Credit Union for details.

5 HOMEOWNER ADVANTAGE: Final rate and terms offered will be determined by your credit history and underwriting guidelines. Subject to credit approval. Maximum debt ratio of 40%. Homeownership and Fortera membership required; additional restrictions, limitations and exclusions may apply; please contact a Fortera representative for further details. All Fortera loan programs, rates, terms and conditions are subject to change at any time without notice. Rates accurate as of July 1, 2020.

6 FORTERA WORLD MASTERCARD®: Final rate and terms offered will be determined by your credit history and underwriting guidelines. Subject to credit approval. Minimum payment is up to 3% of outstanding balance or $25.00, whichever is greater. Credit limit will be based on creditworthiness. Maximum debt ratio of 40%. Fortera membership required; additional restrictions, limitations and exclusions may apply; please contact a Fortera representative for further details. All Fortera loan programs, rates, terms and conditions are subject to change at any time without notice. Rates accurate as of July 1, 2020.

%IF in_string('Fortera Rewards MasterCard', $LOANENGINEFORTERAREWARDSMASTERCARDN) || in_string('Fortera World MasterCard', $LOANENGINEFORTERAWORLDMASTERCARDN)%

FORTERA FEDERAL CREDIT UNION CREDIT CARD APPLICATION AND SOLICITATION DISCLOSURE

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

Rewards MasterCard: %LOANENGINEFORTERAREWARDSMASTERCARDR%.
This APR will vary with the market based on the Prime Rate.
World MasterCard: %LOANENGINEFORTERAWORLDMASTERCARDR%.
This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

APR for Cash Advances

Penalty APR and When it Applies

18.00%
This APR may be applied to Your Account if You:
- Make a late payment.
How Long Will the Penalty APR Apply? If Your APRs are increased for this reason, the Penalty APR will apply until You make six consecutive minimum payments when due.

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.

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

World MasterCard: $50.00

Transaction Fees

• Balance Transfer Fees

• Cash Advance Fees

• Foreign Transaction

0.00%

Rewards MasterCard: 0.00%; World MasterCard: 3.00%

Rewards MasterCard: 0.80% of each transaction in U.S. dollars; World MasterCard: 1.00% of each transaction in U.S. dollars

Penalty Fees

• Late Payment Fees

• Returned Payment Fees

Up to $37.00

Rewards MasterCard: Up to $20.00; World MasterCard: Up to $27.00

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

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