1 APR = Annual Percentage Rate. Up to 60-month term and up to 100% financing. Rates include a .50% discount for establishing both automatic payment as well as establishing and maintaining a partner or preferred member relationship tier level. All loans are subject to credit income verification and debt qualification. Rates and term subject to change at anytime. Other restrictions may apply. Not valid on any existing San Mateo Credit Union vehicle loan. You are eligible for membership to SMCU if you live, work, worship or study in San Mateo County, the City of Palo Alto and certain areas in San Francisco. A one-time, non-refundable membership fee of $10.00 ($1 age 17 and under) is required to join. San Mateo Credit Union is an Equal Opportunity Lender. Federally insured by NCUA.

2 *APR = Annual Percentage Rate. The promotional introductory rate, as low as 1.99% APR, is valid on retail purchases and balance transfers during the promotional period and will remain in effect for 12 months from the date of purchase or the date of balance transfer. Introductory rate is based on credit income verification and debt qualification. Thereafter, the rate will revert to the APR specified in your Card Agreement for retail purchases and balance transfers. Cash advances and overdraft transfers are excluded from this offer. Promotion applies to new cards only. Offer is subject to change without notice. All loans subject to credit, income and debt verification qualification. Balance transfers written against your account may not exceed more than half of the cash availability on your current balance. Any transaction that exceeds this cap may be declined. Penalty rate of 17.99% APR for late payments apply. See your card Agreement for additional details. Rate and terms are subject to change at any time. You are eligible for membership in SMCU if you live, work, worship or attend school in San Mateo County or the City of Palo Alto. A one-time membership fee of $10 ($1 for age 17 and under) is due upon joining SMCU. SMCU is an Equal Opportunity Lender. Federally insured by the NCUA

3) APR = Annual Percentage Rate. Rate as low as 3.875% with a credit of 0.000. Current APR for disclosed rate is: 3.922%. This advertised 30-year fixed rate is available for loan amounts up to $417,000.00 with 0 points and 100% combined loan-to-value (LTV & CLTV). This rate is for rate and term refinance and new purchase properties on a single family residence. All properties must be California owner-occupied properties only. Additional conditions and restrictions may apply. Rates fluctuate with the market and are not guaranteed without a valid rate lock and may change based on credit quality. Rates and terms are subject to change without notice. Contact our Real Estate Department at (650) 363-1799 for current rates. All loans require San Mateo Credit Union (SMCU) membership and credit approval as well as income, debt and property value qualifications. Membership in SMCU is available to those who live, work, worship or study in San Mateo County. A one-time non- refundable membership fee of $10.00 is required to join ($1 ages 17 and under). San Mateo Credit Union is an Equal Housing Lender.