UNIVERSITY OF HAWAI'I smarter way to bank. The FEDERAL CREDIT UNION OUR RATES MIGHT SOUND CRAZY BUT IT AIN'T NO LIE BUY, BUY, BUY! HOME EQUITY LINE OF CREDIT 1.25% 4.50% APR 2 YEARS VARIABLE RATE OR 1.65% 4.50% APR 3 YEARS APR VARIABLE RATE RENOVATE YOUR HOUSE | CONSOLIDATE YOUR LOANS | PAY FOR TUITION PERSONAL LOAN 5:99% 3.21% APR $5,000 | 24 MONTHS | $215.37 LAN AMUNT AMPE APPLY ONLINE AT UHFCU.COM OR CALL 983-5500 Scan to learn moret *Discounted introductory Fiaed Rates of 125 and 165% Annal Percentoge Rete APR are avatatie for 24 months or 36 morths from accpunt opening ot a new UHICU home equty line of creda, respectively for approved acplications recelved between 1/2022 -630/2022 and funded by 7/33/2022. Minimum initial draw of $25.0o0.00 required Atter the inital fixed rate period rates are then adjusted to variable, based on the Prime Rate pubishhedin The Woll Street Journal plus a mirgn. Tee curent fuly indesed variable APR is4 50 a of lanary L 2022. Loan to Value LTV is the percentage of the property's appraised value that is mortgaged Maximum LTV tor thi ofer is 80 LTV.S0 LIV is Prime 050% with a feor rate of 450 Alber the initat adustment the maitum increase account must be owner occupied arnd located in the State of Hawa Youmust also maintain fire humcane, and flood f in flood harard zone insurance on the property that secures the home equity account Refnancing of existing LHFCU mortgages homie equlty loans or ines-of-credit credit card or other loarn and lines-of-credit do not quality for the offer. Subiect to meeting credt underwring criteria Additional terms and conditions may apply Ofler terms, and eate subiect to change without notice NMLS 4215501 Annual Percentage Rate Automatic paymentand new or eisting UHFCU Checking account regured to qualify for specialrate 32 rate opples to 24-month or lessi Personal Loan and is the lowest rate avalatble. 200% discout oft qualtyine rate applies to apolicants with credt scores from 625 10 699 $25.000 masimum oan amount Ofter beins 111/21 and ends 12/321 Laan must fund by Ln22 Rate may vary dependine on each individuafs credit history and underwriting factors. Payment eanpleLoon amount of $5.000 at 3.21 for 24 months wouldhave a monthly orincioal and intorestpayment of $21537. Rates. B programs, terms, and conditions are subject to change at any time without notice. Certain restrictions acoly NCUA UNIVERSITY OF HAWAI'I smarter way to bank. The FEDERAL CREDIT UNION OUR RATES MIGHT SOUND CRAZY BUT IT AIN'T NO LIE BUY, BUY, BUY! HOME EQUITY LINE OF CREDIT 1.25% 4.50% APR 2 YEARS VARIABLE RATE OR 1.65% 4.50% APR 3 YEARS APR VARIABLE RATE RENOVATE YOUR HOUSE | CONSOLIDATE YOUR LOANS | PAY FOR TUITION PERSONAL LOAN 5:99% 3.21% APR $5,000 | 24 MONTHS | $215.37 LAN AMUNT AMPE APPLY ONLINE AT UHFCU.COM OR CALL 983-5500 Scan to learn moret *Discounted introductory Fiaed Rates of 125 and 165% Annal Percentoge Rete APR are avatatie for 24 months or 36 morths from accpunt opening ot a new UHICU home equty line of creda, respectively for approved acplications recelved between 1/2022 -630/2022 and funded by 7/33/2022. Minimum initial draw of $25.0o0.00 required Atter the inital fixed rate period rates are then adjusted to variable, based on the Prime Rate pubishhedin The Woll Street Journal plus a mirgn. Tee curent fuly indesed variable APR is4 50 a of lanary L 2022. Loan to Value LTV is the percentage of the property's appraised value that is mortgaged Maximum LTV tor thi ofer is 80 LTV.S0 LIV is Prime 050% with a feor rate of 450 Alber the initat adustment the maitum increase account must be owner occupied arnd located in the State of Hawa Youmust also maintain fire humcane, and flood f in flood harard zone insurance on the property that secures the home equity account Refnancing of existing LHFCU mortgages homie equlty loans or ines-of-credit credit card or other loarn and lines-of-credit do not quality for the offer. Subiect to meeting credt underwring criteria Additional terms and conditions may apply Ofler terms, and eate subiect to change without notice NMLS 4215501 Annual Percentage Rate Automatic paymentand new or eisting UHFCU Checking account regured to qualify for specialrate 32 rate opples to 24-month or lessi Personal Loan and is the lowest rate avalatble. 200% discout oft qualtyine rate applies to apolicants with credt scores from 625 10 699 $25.000 masimum oan amount Ofter beins 111/21 and ends 12/321 Laan must fund by Ln22 Rate may vary dependine on each individuafs credit history and underwriting factors. Payment eanpleLoon amount of $5.000 at 3.21 for 24 months wouldhave a monthly orincioal and intorestpayment of $21537. Rates. B programs, terms, and conditions are subject to change at any time without notice. Certain restrictions acoly NCUA