<p class="terms">(1) Rates shown for loans and savings products are subject to change without notice.<br />
  APR = Annual Percentage Rate.</p>
<p class="terms">*other rates and terms may apply depending upon the individual creditworthiness of each applicant. Rate advertised assumes direct deposit with SCCU, an approved signature line of credit and 40% down payment. Signature line of credit loans are not eligible for discount for direct deposit.</p>
<p class="terms">** Term depends on amount financed.</p>
<p class="terms">***Loan amounts over $50,000 require 25% down payment.</p>
<p class="terms">**** Add 2% APR if collateral is 10 or more years old or has more than 100,000 miles, maximum loan 80%</p>
<p class="terms">(2) Minimum loan of $35,000 for 84 month financing.</p>
<p class="terms">(3) The index is the monthly average of the Six Month Treasury Bill Rate (Auction High). We will use January index values to determine your annual percentage rate. The rate you receive is based on certain creditworthiness factors. Ask us for the current index value, margin and annual percentage rate.</p>
<p class="terms">(4) Your loan interest rate is dependent on term, collateral, credit score and payment history.</p>
<p class="terms">(5) A fixed Annual Percentage Rate (APR) will be used for the first 3 years of the plan. We will determine the periodic rate and the corresponding annual percentage rate during the variable rate period as follows: we start with an independent (the "index") which is the Wall Street Journal Prime Rate (WSJ Prime). We will use the WSJ Prime Rate   a margin to determine your annual percentage rate. The annual percentage rate will change to a variable rate at the beginning of the 4th year of the plan. Thereafter, the annual percentage rate can change annually on the first day of the quarter following the anniversary month of the plan. The annual percentage rate will not increase or decrease more than 2 percentage points in any one-year period. However, under no circumstances will the annual percentage rate go below 5.00% at any time during the term of the plan.</p>
<p class="terms">(6) All fees will be waived providing the loan remains in effect for 2 years.</p>