People Before Profits...

Since 1952

SPRING FLING
Vehicle Loan Promotion
Spring 2009

Terms and Conditions

• 4.17% annual percentage rate (APR) fixed for the loan term

• loan terms of up to 60 months permitted

• standard Freedom financing available for 61 – 72 month terms

• new vehicles or used 2007, 2008 or 2009 vehicles qualify as loan collateral

• refinances of non-Freedom vehicle loans are permitted

• 4.17% APR requires credit approval with a Beacon score of 740 or above

• 5.17% APR available for approved borrowers with Beacon scores between 690 and 739

• standard Freedom financing available for approved borrowers with Beacon scores of less than 690

• existing Freedom loans not eligible for refinancing at special terms

Issues regarding member eligibility, credit worthiness and qualification for any particular rate, term or other loan feature offered during this promotion shall be resolved using the sole discretion of Freedom Federal Credit Union.