Youre Pre-Qualfifed!

Refinance your auto loan today

<NAME PERSON>
< ADDRESS>
<CITY, STATE ZIP>

<Month 00, 2015>

Dear <Name>,
Youre PRE-QUALIFIED to refinance your auto loan with the University of
Michigan Credit Union (UMCU). Receive better terms and an aMAIZEingly low
rate on your existing auto loan with another financial institution! With rates as
low as 2.24% APR*, why wait? Refinance your auto loan with UMCU and lower
your monthly payment today!
Look at the potential lower monthly costs:
Estimated monthly payment with current lender:

<$000>

New monthly payment with UMCU:

<$000>

Potential monthly savings:

<$000>

Save Today With aMAIZEingly Low Rates!

Enjoy a better rate and reduced payment when you refinance your auto
loan with UMCU! Get started now and youll have extra cash to shift your
summer into the right gear!
Take advantage of the offer soon! You are pre-qualified until June 30, 2015.

No refinance fees
Lower payments & lower
interest rate

APPLY TODAY!
Call us: 734-662-8200
or 800-968-8628
Return the certificate
below.
Bring this letter to the
branch near you:
<Branch Location>
<Branch Address>
For a complete list of branch
locations, visit UMCU.org.

3 Easy Ways to Respond!

Visit Any Branch

Call us at 734-662-8200
or 800-968-8628

Mail the certificate to

P.O. BOX 7850 Ann Arbor, MI, 48107

As low as rate indicates the best rate available based on a maximum of 60 month term and credit score. Rates are subject to change. Offer subject to credit approval.
Offer valid thru June 30, 2015. To be eligible, the refinanced auto loan must be with another financial institution.

You can choose to stop receiving prescreened offers of credit from this and other companies by calling toll free
18885678688. See PRESCREEN & OPTOUT NOTICE on other side for more information about prescreened offers.
Federally Insured by NCUA

YES! I would like to refinance my auto loan!

<Name> | <Address> | <City, State Zip>
Employer:____________________________________________Position:______________________________________
Monthly Mortgage/Rent Amount: $_______________________Monthly Income: $______________________________
Auto Loan is currently financed at:_____________________________________________________________________
Term Remaining (months):____________________________Refinance Amount: $_________________________

PRESCREEN & OPT-OUT NOTICE

This prescreened offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer
is not guaranteed if you do not meet our criteria. If you do not wish to receive prescreened offers of credit from this and other
companies, call the consumer reporting agencies notification system at: 1-888-567-8688; or write them individually at: Experian
Target Marketing, P.O. Box 919, 701 Experian Parkway B2, Allen, TX 75013; Equifax Options, P.O. Box 740123, Atlanta, GA
30374-0123; Trans Union Corporation, Attn: TransUnion Opt-Out Request, PO Box 505, Woodlyn, PA 19094-0505.
TERMS AND CONDITIONS: You must be at least 18 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 your combined unsecured loan balances do not exceed 35% of your gross
verifiable annual income; your combined monthly debts and other credit obligations do not exceed 50% of your gross verifiable
monthly income; and that you furnish acceptable collateral. Acceptable collateral must be an auto with a model year after 1998.
Mileage not to exceed 150,000 miles. Loan-to-value cannot exceed 140%. Bankruptcies must be discharged. This offer is void
where prohibited bylaw. This offer is nontransferable. This offer expires June 30, 2015. If you continue to meet the criteria used to
select you for this offer and our credit worthiness criteria, you are pre-qualified for an auto loan of no less than $5,000 from us, at an
interest rate of no more than <0.00%> APR, calculated according to the simple interest for a term of between 24 and 84 months.
APR (Annual Percentage Rate) is effective as of April 1,2015. For 60 month term payments at <X.XX%> APR, the monthly payment
would be <$XX.XX> per $1,000.00.
Auto loans currently financed through University of Michigan Credit Union cannot be refinanced with this offer.
University of Michigan Credit Union membership is required. Simply keep $5 in a savings account.