Prescreened offers. PRESCREEN & OPT-OUT NOTICE This ...

*IMPORTANT INFORMATION REGARDING YOUR AUTO LOAN OFFER FROM

TEAM ONE CREDIT UNION 520 Hayden St ? Saginaw, MI 48607 ? 888-288-3261

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 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

* 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

Auto Loan: Offer based on loan term of 60 months. Team One Credit Union finances 100% of MSRP (new vehicles) or the NADA Retail Value (used vehicles). The maximum interest rate for this offer is 20.49% 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 This offer may also be withdrawn if the value of the vehicle you are purchasing exceeds 115% of Loan-to-Value (LTV). Not all applicants will qualify for the lowest rate. Rates current as of July 3, 2017, 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. Payment example: $45,000 loan for 60 months at 2.74% APR will result in an approximate monthly payment of $17.86 per $1,000 borrowed.

A 60-month Auto Loan will have 60 monthly payments per $1,000 borrowed as follows:

APR

Monthly Payment (per $1,000 borrowed)

2.74%

$17.86

3.24%

$18.08

4.24%

$18.53

*IMPORTANT INFORMATION REGARDING YOUR AUTO REFINANCE LOAN OFFER FROM

TEAM ONE CREDIT UNION 520 Hayden St ? Saginaw, MI 48607 ? 888-288-3261

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 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

* 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

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 $2,500 from Team One Credit Union for this offer and no more than $45,000, at an interest rate of no more than 19.75% APR, calculated according to the simple interest for a term of between 12 and 72 months. Team One Credit Union finances 100% of MSRP (new vehicles) or the NADA Retail Value (used vehicles). Refinance restrictions apply. Rates current as of July 3, 2017, 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 110% of Loan-to-Value (LTV). May not be combined with other offers. Payment example: $45,000 loan for 60 months at 2.74% APR will result in an approximate monthly payment of $17.86 per $1,000 borrowed.

You must be at least 21 years of age to be eligible for this offer. You must continue to meet the criteria used to select you for this offer. These criteria include a minimum verifiable gross annual income of $24,000; that your combined monthly debts and other obligations do not exceed 40% of your gross verifiable monthly income; that your down payment meets our equity requirements; and that you furnish acceptable collateral. Acceptable collateral must be an auto with a model year after 2012. Mileage not to exceed 80,000 miles. Any equity deficit in your current vehicle must be paid or refinanced with your new vehicle and proof of full coverage insurance must be provided at the time of vehicle delivery. This offer is void where prohibited by law. This offer is not transferable. This offer expires October 9, 2017. Offer may be withdrawn at any time. Offer is based on approved credit.

A 60-month Auto Refinance Loan will have 60 monthly payments per $1,000 borrowed as follows:

APR

Monthly Payment (per $1,000 borrowed)

2.74%

$17.86

3.24%

$18.08

4.24%

$18.53

*IMPORTANT INFORMATION REGARDING YOUR PERSONAL LOAN OFFER FROM

TEAM ONE CREDIT UNION 520 Hayden St ? Saginaw, MI 48607 ? 888-288-3261

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 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

* 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

Personal Loan: Loans subject to credit approval. Rates current as of July 3, 2017, and are subject to change based on market conditions and borrower eligibility. The maximum interest rate for this offer is 23.74% APR and the minimum approved loan amount is $1,000. Payment example: $7,500 loan for 48 months at 6.99% APR will result in an approximate monthly payment of $23.95 per $1,000 borrowed.

A 48-month Personal Loan will have 48 monthly payments per $1,000 borrowed as follows:

APR

Monthly Payment (per $1,000 borrowed)

6.99%

$23.95

7.49%

$24.20

8.49%

$24.65

*IMPORTANT INFORMATION REGARDING YOUR RV LOAN OFFER FROM

TEAM ONE CREDIT UNION 520 Hayden St ? Saginaw, MI 48607 ? 888-288-3261

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 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

* 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

RV Loans: Offer based on loan term of 60 months. Team One Credit Union finances 100% of MSRP (new recreational vehicles) or the NADA Retail Value (used recreational vehicles). The maximum interest rate for this offer is 22.49% APR and the minimum approved loan amount is $5,000. This offer may also be withdrawn if the value of the recreational vehicle you are purchasing exceeds 110% of Loan-to-Value (LTV). Not all applicants will qualify for the lowest rate. Refinance restrictions apply. Rates current as of July 3, 2017, 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. Payment example: $30,000 loan for 60 months at 3.49% APR will result in an approximate monthly payment of $18.20 per $1,000 borrowed.

A 60-month RV Loan will have 60 monthly payments per $1,000 borrowed as follows:

APR

Monthly Payment (per $1,000 borrowed)

3.49%

$18.20

3.99%

$18.40

4.99%

$18.85

*IMPORTANT INFORMATION REGARDING YOUR VISA? PLATINUM OFFER FROM

TEAM ONE CREDIT UNION 520 Hayden St ? Saginaw, MI 48607 ? 888-288-3261

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 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

* 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

Visa? Platinum: Rates stated available on approved credit and may be different as determined by the individual creditworthiness of each applicant. You are pre-approved for a Team One Credit Union Visa Platinum Credit Card with a limit of at least $1,000. The maximum annual percentage rate for a Team One Credit Union Visa Platinum Credit Card is 19.9% APR. Rates current as of July 3, 2017, and are subject to change based on market conditions and borrower eligibility.

VISA? PLATINUM CREDIT CARD APPLICATION AND SOLICITATION DISCLOSURE

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

8.9% to 19.9% when you open your account, based on your creditworthiness

Annual Percentage Rate (APR) for Balance Transfers

8.9% to 19.9% based on your creditworthiness; the APR will vary with the market based on the Prime Rate

Annual Percentage Rate 8.9% to 19.9% based on your creditworthiness; the APR will vary with the market based on the

(APR) for Cash Advances Prime Rate

How to Avoid Paying Interest on Purchases

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.

Penalty APR and When it Applies

21.9% This APR may be applied to your account if you make a payment that is late 60 days or more. How long will the penalty APR apply? If we increase your APRs due to a late payment, we may keep them at the higher level on existing and new balances until you make six consecutive

on-time payments.

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 .

Fees

Annual Fee

None

Transaction Fees ? Balance Transfer

$10 or 2.00% of the amount of each balance transfer, whichever is greater

? Cash Advance

$10 or 2.00% of the amount of each cash advance, whichever is greater

? Foreign Transaction 1.00% of each transaction in U.S. dollars

Penalty Fees

? Late Payment

Up to $30

? Over-the-Credit-Limit None

? Returned Payment

Up to $30

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 3, 2017. This information may have changed after that date. To find out what may have changed, contact Team One Credit Union.

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