Please see the disclosures on the reverse side of the letter for details.

Transcription

1 OUR Credit Union 3070 Normandy Road Royal Oak, MI THOMAS B ANDERSON, YOU'RE PRE-APPROVED! D15199D 541A428 71A49D8 5A FFD F1E8989 DECCCDD D15199D 54E8B48 56DDCC 5ABEBD8 578CC1C D DEEFDDD AAAATFFTDFTFFTTFDAFTADTDATFATDTADAATDFTDTTDFTDATAFDFTTDAFTDTTAAFF /15/17 Dear Thomas: Visa Platinum 2.99% APR You're Pre-Approved Introductory 2.99% Rate for 6 Balance Transfer 2.99% for 6 Free Balance Transfer Low Regular Rate Double ScoreCard Bonus Points For Balance Transfers You probably receive at least one credit card offer a week from financial institutions all over the United States. I know because I certainly do. After all, large credit card companies are mailing millions of these offers every year. I can say with certainty, none of the credit cards that you have been offered in the past are like the one that I am writing to you about today. That's because this credit card is from OUR Credit Union. Earn rewards through our exclusive ScoreCard Program! With one point earned for every dollar spent in net retail purchases, ScoreCard makes it easy to reward yourself. The points you earn can be exchanged for awards from a wide assortment of merchandise and travel items. Take your pick from name-brand electronics, home furnishings, appliances, toys, sporting goods and more. Planning a vacation? Whether it's a roundtrip airline ticket across the USA or to an exciting foreign destination, a rental car, hotel accommodations or maybe even a cruise, with ScoreCard, you can escape with ease. Enjoy an introductory 2.99% APR! As part of this special offer, you'll also receive a special 2.99% introductory annual percentage rate for 6 months. After the introductory period, you'll continue to save with a low 10.95% APR. And with a credit limit of up to $15,000, this is the card you will want to use. Start saving by consolidating other high-interest debt! Think of how much money you can save by consolidating high-interest debt to your new low-rate card. Maximize your savings by completing the balance transfer request on the back of this invitation. To get your new card, complete the invitation and mail it in the enclosed postage-paid envelope. Since you are pre-approved, your new card is waiting. Reply today! This offer expires 5/15/17. Sincerely, President/CEO Please see the disclosures on the reverse side of the letter for details. To stop receiving "prescreened" offers of credit from this and other companies, call toll-free See PRESCREEN & OPT-OUT NOTICE on the reverse side of the letter for details. Pre-Approved Invitation I understand that I have been pre-approved and wish to accept this offer for the OUR Credit Union Visa Platinum credit card with a credit limit up to $15,000. I have also read and agreed to the important information on the back of this form. PDIRCT # Home Phone Employer Phone Employer Cell Phone Primary Social Security Number Monthly Individual Salary Date of Birth M JAN Residential Status Own Rent Other Mother's Maiden Name Monthly Housing Payment Primary Signature X Address Balance Transfer Option Transfer the amount shown from VISA, MasterCard, Discover, American Express or any other store card amount listed to my new account. Use reverse side for more transfers. Offer Expires 05/15/17 $,. Account Number Card Issuer (Name of bank, department store, gasoline company, etc.) Amount to be transferred Card Issuer Address City State Zip Code Card Issuer Phone #

2 IMPORTANT DISCLOSURES Interest Rates and Interest Charges Rate (APR) for Purchases Rate (APR) for Balance Transfers will be 10.95%. will be 10.95%. Rate (APR) for Cash Advances Penalty APR and When it Applies Paying Interest Minimum Interest Charge For Credit Card Tips from the Consumer Financial Protection Bureau 18.95% 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. $0.00 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 Transaction Fees Balance Transfer ATM Cash Advance Over the Counter Cash Foreign Transaction Penalty Fees Late Payment Over-the-Credit Limit 1% of each transaction in U.S. dollars. Returned Payment How We Will Calculate your Balance: We will use a method called "average daily balance (including new purchases)". If you accept this offer, you will receive a New Account Agreement which will define this method. Loss of Introductory APR: We may end your Introductory APR and apply the Standard APR if you make a late payment. Billing Error Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. Terms and Conditions: By signing and returning this application, I request you to open an account and issue card(s). I understand that I must provide all the information requested in the application, and I certify that such information is complete and accurate. I authorize you to verify the information on this application. I understand that the acceptance or use of any card issued, will be subject to the terms of this application and the Credit Card Agreement, and I agree to be responsible for all charges incurred according to such terms. I understand that if I fail to fulfill the terms of my credit obligations, you may submit a negative credit report reflecting on my credit record to a credit-reporting agency. I certify that I am at least 18 years old (19 in Alabama and Nebraska, 21 in Puerto Rico) or older as required to satisfy the minimum legal contracting age of my state. I understand that you have the right not to open my account if the information provided is incomplete, inaccurate or unverifiable; my name and or mailing address has been altered; or my application has been received after the expiration date. I understand that my credit line will be established based on my income, employment and my credit report at the time I respond. If the information on my credit report has changed so that I no longer meet your requirements, you may choose to not issue a credit card. PRESCREEN & OPT-OUT NOTICE: You were selected for this offer based upon the information in your credit report which satisfied our selection criteria, for creditworthiness. Grant of this offer, after you respond to it, is conditioned upon your satisfying the creditworthiness criteria used to select you for the offer and upon your satisfying any applicable criteria bearing on your creditworthiness, including your income, employment and any other information provided on your application. You have the right to prohibit information contained in your credit report from being used in connection with any credit transaction that is not initiated by you. You may exercise this right by contacting the credit reporting agencies notification system at: Experian Marketing Services, P.O. Box 80128, Lincoln, NE 68521, ; Equifax Options, P.O. Box , Atlanta, GA , ; TransUnion LLC, Name Removal Option, P.O. Box 505, Woodlyn, PA 19094,

3 OUR Credit Union 3070 Normandy Road Royal Oak, MI THOMAS B ANDERSON, YOU'RE PRE-APPROVED! D A6D FD DAAF92D F5ACFC 57C98C FCDCCDD D1D19DD 54E728 5ED38C 5AF9AB9 D5F2E1C D6BCD DEFEDDD FAAFFDFTFTDAFDDDDATAATAFFTTFTTFFDATFDDDDTATDAFDTAATFTDAFFDTFAATDT /15/17 Dear Thomas: Visa Platinum 2.99% APR You're Pre-Approved Introductory 2.99% Rate for 6 Balance Transfer 2.99% for 6 Free Balance Transfer Low Regular Rate Double ScoreCard Bonus Points For Balance Transfers You probably receive at least one credit card offer a week from financial institutions all over the United States. I know because I certainly do. After all, large credit card companies are mailing millions of these offers every year. I can say with certainty, none of the credit cards that you have been offered in the past are like the one that I am writing to you about today. That's because this credit card is from OUR Credit Union. Earn rewards through our exclusive ScoreCard Program! With one point earned for every dollar spent in net retail purchases, ScoreCard makes it easy to reward yourself. The points you earn can be exchanged for awards from a wide assortment of merchandise and travel items. Take your pick from name-brand electronics, home furnishings, appliances, toys, sporting goods and more. Planning a vacation? Whether it's a roundtrip airline ticket across the USA or to an exciting foreign destination, a rental car, hotel accommodations or maybe even a cruise, with ScoreCard, you can escape with ease. Enjoy an introductory 2.99% APR! As part of this special offer, you'll also receive a special 2.99% introductory annual percentage rate for 6 months. After the introductory period, you'll continue to save with a low 12.95% APR. And with a credit limit of up to $7,500, this is the card you will want to use. Start saving by consolidating other high-interest debt! Think of how much money you can save by consolidating high-interest debt to your new low-rate card. Maximize your savings by completing the balance transfer request on the back of this invitation. To get your new card, complete the invitation and mail it in the enclosed postage-paid envelope. Since you are pre-approved, your new card is waiting. Reply today! This offer expires 5/15/17. Sincerely, President/CEO Please see the disclosures on the reverse side of the letter for details. To stop receiving "prescreened" offers of credit from this and other companies, call toll-free See PRESCREEN & OPT-OUT NOTICE on the reverse side of the letter for details. Pre-Approved Invitation I understand that I have been pre-approved and wish to accept this offer for the OUR Credit Union Visa Platinum credit card with a credit limit up to $7,500. I have also read and agreed to the important information on the back of this form. PDIRCT # Home Phone Employer Phone Employer Cell Phone Primary Social Security Number Monthly Individual Salary Date of Birth M JAN Residential Status Own Rent Other Mother's Maiden Name Monthly Housing Payment Primary Signature X Address Balance Transfer Option Transfer the amount shown from VISA, MasterCard, Discover, American Express or any other store card amount listed to my new account. Use reverse side for more transfers. Offer Expires 05/15/17 $,. Account Number Card Issuer (Name of bank, department store, gasoline company, etc.) Amount to be transferred Card Issuer Address City State Zip Code Card Issuer Phone #

4 IMPORTANT DISCLOSURES Interest Rates and Interest Charges Rate (APR) for Purchases Rate (APR) for Balance Transfers will be 12.95%. will be 12.95%. Rate (APR) for Cash Advances Penalty APR and When it Applies Paying Interest Minimum Interest Charge For Credit Card Tips from the Consumer Financial Protection Bureau 18.95% 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. $0.00 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 Transaction Fees Balance Transfer ATM Cash Advance Over the Counter Cash Foreign Transaction Penalty Fees Late Payment Over-the-Credit Limit 1% of each transaction in U.S. dollars. Returned Payment How We Will Calculate your Balance: We will use a method called "average daily balance (including new purchases)". If you accept this offer, you will receive a New Account Agreement which will define this method. Loss of Introductory APR: We may end your Introductory APR and apply the Standard APR if you make a late payment. Billing Error Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. Terms and Conditions: By signing and returning this application, I request you to open an account and issue card(s). I understand that I must provide all the information requested in the application, and I certify that such information is complete and accurate. I authorize you to verify the information on this application. I understand that the acceptance or use of any card issued, will be subject to the terms of this application and the Credit Card Agreement, and I agree to be responsible for all charges incurred according to such terms. I understand that if I fail to fulfill the terms of my credit obligations, you may submit a negative credit report reflecting on my credit record to a credit-reporting agency. I certify that I am at least 18 years old (19 in Alabama and Nebraska, 21 in Puerto Rico) or older as required to satisfy the minimum legal contracting age of my state. I understand that you have the right not to open my account if the information provided is incomplete, inaccurate or unverifiable; my name and or mailing address has been altered; or my application has been received after the expiration date. I understand that my credit line will be established based on my income, employment and my credit report at the time I respond. If the information on my credit report has changed so that I no longer meet your requirements, you may choose to not issue a credit card. PRESCREEN & OPT-OUT NOTICE: You were selected for this offer based upon the information in your credit report which satisfied our selection criteria, for creditworthiness. Grant of this offer, after you respond to it, is conditioned upon your satisfying the creditworthiness criteria used to select you for the offer and upon your satisfying any applicable criteria bearing on your creditworthiness, including your income, employment and any other information provided on your application. You have the right to prohibit information contained in your credit report from being used in connection with any credit transaction that is not initiated by you. You may exercise this right by contacting the credit reporting agencies notification system at: Experian Marketing Services, P.O. Box 80128, Lincoln, NE 68521, ; Equifax Options, P.O. Box , Atlanta, GA , ; TransUnion LLC, Name Removal Option, P.O. Box 505, Woodlyn, PA 19094,

5 OUR Credit Union 3070 Normandy Road Royal Oak, MI THOMAS B ANDERSON, YOU'RE PRE-APPROVED! D A E34D D2CA3D DC6968C D3DD1C FCFCCDD D91119D 54EFE8 56FDF8 5A99B8 5514AC 7A863DD DECEDDD DADAAAAFDTTDADFAFTAFTDFATTATFTTFDTDTTDDFAAFAATTFTAFAADFTDFDFFADFA /15/17 Dear Thomas: Visa Platinum 2.99% APR You're Pre-Approved Introductory 2.99% Rate for 6 Balance Transfer 2.99% for 6 Free Balance Transfer Low Regular Rate Double ScoreCard Bonus Points For Balance Transfers You probably receive at least one credit card offer a week from financial institutions all over the United States. I know because I certainly do. After all, large credit card companies are mailing millions of these offers every year. I can say with certainty, none of the credit cards that you have been offered in the past are like the one that I am writing to you about today. That's because this credit card is from OUR Credit Union. Earn rewards through our exclusive ScoreCard Program! With one point earned for every dollar spent in net retail purchases, ScoreCard makes it easy to reward yourself. The points you earn can be exchanged for awards from a wide assortment of merchandise and travel items. Take your pick from name-brand electronics, home furnishings, appliances, toys, sporting goods and more. Planning a vacation? Whether it's a roundtrip airline ticket across the USA or to an exciting foreign destination, a rental car, hotel accommodations or maybe even a cruise, with ScoreCard, you can escape with ease. Enjoy an introductory 2.99% APR! As part of this special offer, you'll also receive a special 2.99% introductory annual percentage rate for 6 months. After the introductory period, you'll continue to save with a low 15.95% APR. And with a credit limit of up to $3,000, this is the card you will want to use. Start saving by consolidating other high-interest debt! Think of how much money you can save by consolidating high-interest debt to your new low-rate card. Maximize your savings by completing the balance transfer request on the back of this invitation. To get your new card, complete the invitation and mail it in the enclosed postage-paid envelope. Since you are pre-approved, your new card is waiting. Reply today! This offer expires 5/15/17. Sincerely, President/CEO Please see the disclosures on the reverse side of the letter for details. To stop receiving "prescreened" offers of credit from this and other companies, call toll-free See PRESCREEN & OPT-OUT NOTICE on the reverse side of the letter for details. Pre-Approved Invitation I understand that I have been pre-approved and wish to accept this offer for the OUR Credit Union Visa Platinum credit card with a credit limit up to $3,000. I have also read and agreed to the important information on the back of this form. PDIRCT # Home Phone Employer Phone Employer Cell Phone Primary Social Security Number Monthly Individual Salary Date of Birth M JAN Residential Status Own Rent Other Mother's Maiden Name Monthly Housing Payment Primary Signature X Address Balance Transfer Option Transfer the amount shown from VISA, MasterCard, Discover, American Express or any other store card amount listed to my new account. Use reverse side for more transfers. Offer Expires 05/15/17 $,. Account Number Card Issuer (Name of bank, department store, gasoline company, etc.) Amount to be transferred Card Issuer Address City State Zip Code Card Issuer Phone #

6 IMPORTANT DISCLOSURES Interest Rates and Interest Charges Rate (APR) for Purchases Rate (APR) for Balance Transfers will be 15.95%. will be 15.95%. Rate (APR) for Cash Advances Penalty APR and When it Applies Paying Interest Minimum Interest Charge For Credit Card Tips from the Consumer Financial Protection Bureau 18.95% 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. $0.00 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 Transaction Fees Balance Transfer ATM Cash Advance Over the Counter Cash Foreign Transaction Penalty Fees Late Payment Over-the-Credit Limit 1% of each transaction in U.S. dollars. Returned Payment How We Will Calculate your Balance: We will use a method called "average daily balance (including new purchases)". If you accept this offer, you will receive a New Account Agreement which will define this method. Loss of Introductory APR: We may end your Introductory APR and apply the Standard APR if you make a late payment. Billing Error Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. Terms and Conditions: By signing and returning this application, I request you to open an account and issue card(s). I understand that I must provide all the information requested in the application, and I certify that such information is complete and accurate. I authorize you to verify the information on this application. I understand that the acceptance or use of any card issued, will be subject to the terms of this application and the Credit Card Agreement, and I agree to be responsible for all charges incurred according to such terms. I understand that if I fail to fulfill the terms of my credit obligations, you may submit a negative credit report reflecting on my credit record to a credit-reporting agency. I certify that I am at least 18 years old (19 in Alabama and Nebraska, 21 in Puerto Rico) or older as required to satisfy the minimum legal contracting age of my state. I understand that you have the right not to open my account if the information provided is incomplete, inaccurate or unverifiable; my name and or mailing address has been altered; or my application has been received after the expiration date. I understand that my credit line will be established based on my income, employment and my credit report at the time I respond. If the information on my credit report has changed so that I no longer meet your requirements, you may choose to not issue a credit card. PRESCREEN & OPT-OUT NOTICE: You were selected for this offer based upon the information in your credit report which satisfied our selection criteria, for creditworthiness. Grant of this offer, after you respond to it, is conditioned upon your satisfying the creditworthiness criteria used to select you for the offer and upon your satisfying any applicable criteria bearing on your creditworthiness, including your income, employment and any other information provided on your application. You have the right to prohibit information contained in your credit report from being used in connection with any credit transaction that is not initiated by you. You may exercise this right by contacting the credit reporting agencies notification system at: Experian Marketing Services, P.O. Box 80128, Lincoln, NE 68521, ; Equifax Options, P.O. Box , Atlanta, GA , ; TransUnion LLC, Name Removal Option, P.O. Box 505, Woodlyn, PA 19094,

7 OUR Credit Union 3070 Normandy Road Royal Oak, MI THOMAS B ANDERSON, YOU'RE PRE-APPROVED! D15199D 541A38 D1AAEAC 53CCE9 D73A2CD 7DFB9A9 DECCCDD D9911DD 54E8388 5EF3B8 5AD78D9 D76A8C FDE5A9D DEDFDDD DDTDTTTDTDFDDFAAAFTDDFTADFAFFFADADFDATAAFDDTFTFADTATDAFDTFFDFDDTF /15/17 Dear Thomas: Visa Platinum 2.99% APR You're Pre-Approved Introductory 2.99% Rate for 6 Balance Transfer 2.99% for 6 Free Balance Transfer Low Regular Rate Double ScoreCard Bonus Points For Balance Transfers You probably receive at least one credit card offer a week from financial institutions all over the United States. I know because I certainly do. After all, large credit card companies are mailing millions of these offers every year. I can say with certainty, none of the credit cards that you have been offered in the past are like the one that I am writing to you about today. That's because this credit card is from OUR Credit Union. Earn rewards through our exclusive ScoreCard Program! With one point earned for every dollar spent in net retail purchases, ScoreCard makes it easy to reward yourself. The points you earn can be exchanged for awards from a wide assortment of merchandise and travel items. Take your pick from name-brand electronics, home furnishings, appliances, toys, sporting goods and more. Planning a vacation? Whether it's a roundtrip airline ticket across the USA or to an exciting foreign destination, a rental car, hotel accommodations or maybe even a cruise, with ScoreCard, you can escape with ease. Enjoy an introductory 2.99% APR! As part of this special offer, you'll also receive a special 2.99% introductory annual percentage rate for 6 months. After the introductory period, you'll continue to save with a low 18.95% APR. And with a credit limit of up to $3,000, this is the card you will want to use. Start saving by consolidating other high-interest debt! Think of how much money you can save by consolidating high-interest debt to your new low-rate card. Maximize your savings by completing the balance transfer request on the back of this invitation. To get your new card, complete the invitation and mail it in the enclosed postage-paid envelope. Since you are pre-approved, your new card is waiting. Reply today! This offer expires 5/15/17. Sincerely, President/CEO Please see the disclosures on the reverse side of the letter for details. To stop receiving "prescreened" offers of credit from this and other companies, call toll-free See PRESCREEN & OPT-OUT NOTICE on the reverse side of the letter for details. Pre-Approved Invitation I understand that I have been pre-approved and wish to accept this offer for the OUR Credit Union Visa Platinum credit card with a credit limit up to $3,000. I have also read and agreed to the important information on the back of this form. PDIRCT # Home Phone Employer Phone Employer Cell Phone Primary Social Security Number Monthly Individual Salary Date of Birth M JAN Residential Status Own Rent Other Mother's Maiden Name Monthly Housing Payment Primary Signature X Address Balance Transfer Option Transfer the amount shown from VISA, MasterCard, Discover, American Express or any other store card amount listed to my new account. Use reverse side for more transfers. Offer Expires 05/15/17 $,. Account Number Card Issuer (Name of bank, department store, gasoline company, etc.) Amount to be transferred Card Issuer Address City State Zip Code Card Issuer Phone #

8 IMPORTANT DISCLOSURES Interest Rates and Interest Charges Rate (APR) for Purchases Rate (APR) for Balance Transfers will be 18.95%. will be 18.95%. Rate (APR) for Cash Advances Penalty APR and When it Applies Paying Interest Minimum Interest Charge For Credit Card Tips from the Consumer Financial Protection Bureau 18.95% 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. $0.00 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 Transaction Fees Balance Transfer ATM Cash Advance Over the Counter Cash Foreign Transaction Penalty Fees Late Payment Over-the-Credit Limit 1% of each transaction in U.S. dollars. Returned Payment How We Will Calculate your Balance: We will use a method called "average daily balance (including new purchases)". If you accept this offer, you will receive a New Account Agreement which will define this method. Loss of Introductory APR: We may end your Introductory APR and apply the Standard APR if you make a late payment. Billing Error Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. Terms and Conditions: By signing and returning this application, I request you to open an account and issue card(s). I understand that I must provide all the information requested in the application, and I certify that such information is complete and accurate. I authorize you to verify the information on this application. I understand that the acceptance or use of any card issued, will be subject to the terms of this application and the Credit Card Agreement, and I agree to be responsible for all charges incurred according to such terms. I understand that if I fail to fulfill the terms of my credit obligations, you may submit a negative credit report reflecting on my credit record to a credit-reporting agency. I certify that I am at least 18 years old (19 in Alabama and Nebraska, 21 in Puerto Rico) or older as required to satisfy the minimum legal contracting age of my state. I understand that you have the right not to open my account if the information provided is incomplete, inaccurate or unverifiable; my name and or mailing address has been altered; or my application has been received after the expiration date. I understand that my credit line will be established based on my income, employment and my credit report at the time I respond. If the information on my credit report has changed so that I no longer meet your requirements, you may choose to not issue a credit card. PRESCREEN & OPT-OUT NOTICE: You were selected for this offer based upon the information in your credit report which satisfied our selection criteria, for creditworthiness. Grant of this offer, after you respond to it, is conditioned upon your satisfying the creditworthiness criteria used to select you for the offer and upon your satisfying any applicable criteria bearing on your creditworthiness, including your income, employment and any other information provided on your application. You have the right to prohibit information contained in your credit report from being used in connection with any credit transaction that is not initiated by you. You may exercise this right by contacting the credit reporting agencies notification system at: Experian Marketing Services, P.O. Box 80128, Lincoln, NE 68521, ; Equifax Options, P.O. Box , Atlanta, GA , ; TransUnion LLC, Name Removal Option, P.O. Box 505, Woodlyn, PA 19094,