Auto Loan Refinance as low as 1.99 STANDARD PAID 100Refinance

1.99 Auto Loan

Refinance as low as

%

APR*

1330 Gemini Houston, TX 77058

100 $

ARuetofinance

CASH BACK**

Refinance your auto loan and receive $100 cash back** PLUS enjoy 60 days deferred payment.***

11101 Ella Blvd Houston, TX 77067

PRESORTED STANDARD US POSTAGE

PAID PremierIMS

APPLY ONLINE NOW

WWW.REFI

ENTER PROMO CODE:

REFI

USPS Regulations require that this address label be delivered with its accompanying postage paid mail. If you should receive this card without its accompanying mail, please notify your local postmaster.

OPEN A FREE CHECKING ACCOUNT WITH

DIRECT DEPOSIT ? HOME BANKING ? VISA DEBIT CARD ? eSTATEMENTS

$100

Present this flyer at any JSC FCU branch or open

your account online.1

$1001 promo code: SUNNY

See accompanying flyer for more great offers and details.

*APR = Annual Percentage Rate. All Rates are subject to change without notice. Lending rates are subject to credit approval. Loan rates and terms are accurate as of 03/12/2015. Auto Loan rates range from 1.74% APR to 11.74% APR. A fixed-rate loan for $20,000 based upon a 1.99% APR

paid over 60 months would have 60 monthly payments of $350.49. **"Cash Back"is considered interest and may be reported to the IRS FORM 1099-INT. Please consult your tax advisor on any legal, tax, or financial issues related to the cash back or personal matters. To qualify for the $100

cash back, the refinance amount must be at least $10,000. Allow up to two business weeks for the $100 cash back to be deposited into your Savings Account. This offer does not apply to existing JSC FCU auto loans. ***Interest will continue to accrue each month during deferment. This offer

does not apply to existing JSC FCU auto loans. 1The offers in this mailer are subject to membership eligibility. Membership is established by opening a Regular Savings Account with a minimum $5 deposit. Eligibility depends on where you live, work, worship or attend school in the Houston

Bay Area. You may join JSC FCU if you are an employee or member of one of the 2,000+ companies, organizations, churches, homeowners associations, or areas of community service in our field of membership. You may also be eligible to join if you are the immediate family member or live

in the same household as a current JSC FCU member. To redeem the $100 deposit you must bring this flyer in to any JSC FCU branch location or by entering the promo code online. To qualify for the $100 deposit, you must be a JSC FCU member

or become a member (by opening a Savings Account with a minimum $5 deposit) of JSC FCU, and open a new Checking Account with Direct Deposit, VISA Debit Card, Home Banking and eStatements. Existing Checking Accounts, Secondary

We do business in

Checking Accounts or Secondary Money Market Accounts are not eligible to receive the $100 incentive. A minimum deposit of $25 is required to open a Checking Account. For new members, you must open the Checking Account at the same

accordance with Federal

time you join JSC FCU. The $100 will be deposited after the first direct deposit into the Checking Account. The direct deposit must be completed within 60 days of the account opening. Allow up to three weeks after the first direct deposit for the

Fair Lending Laws

incentive to be applied. APY is Annual Percentage Yield. Share Drafts are compounded and paid monthly. The APY, effective as of 03/12/2015, for interest bearing checking accounts is 0.05%. The APY, effective as of 03/12/2015, for interest bearing savings accounts is 0.25%. Interest rates are variable and may change. Minimum balance of $750 is required to earn 0.05% on interest bearing checking accounts. Fees may reduce earnings on the account."Bonus"is considered interest and may be reported on IRS Form 1099-INT. Please consult your tax advisor on any legal, tax, or financial issues related to your bonus or personal matters.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government

NCUA

National Credit Union Administration, a U.S. Government Agency

Federally Insured by the NCUA

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