ChoiceOne Shop for lower rates REFINANCE AND SAVE! COMMUNITY CREDIT UNION LOW LOAN RATES CONSOLIDATE DEBT AND LOWER PAYMENTS! HOME EQUITY LOANS PERSONAL LOANS FIXED RATES AS LOW AS VISA CREDIT CARD BALANCE TRANSFER RATE AUTO LOANS RATES AS LOW AS RATES AS LOW AS 2.49 3.25% 2.99 2.74% PR APR TERMS UP TO 180 MOS. TERMS UP TO 72 MOS. FOR SIX BILLING CYCLES TERMS UP TO 84 MOS. APPLY BY PHONE OR ONLINE AT WWW.CHOICEONE.ORG "APR-Annual Percentage Rate. Rates shown are for qualified borrowers, based on creditworthiness, and are subject to change without notice. Rates shown for Home Equity Fixed, Auto, and Personal Loars include a 25% discount for auto deduct from a Choice One share or share draft account. Contact your credit union loan officer for complete details and cument rates. Contact your tax advisor egarding the possible deductibility of interest. "APR-Annual Percentage Rate. 299% VISA Balance Transfer Rate is valid for 6 billing cycles from date of transfer Rate returns to current rate at that time. Choice Ones current Platinum Visa Credit Card Rate is 8.90% APR and Classic Visa Card is 13.50% APR with No-Annual Fee. Balance Transfer offer is good on any new or existing Choice One Platinum or Classic Credit Card. 2.99% balance transfer rate is for balances transferred from another institution only. Transfers may not exceed the credit line a member is approved for. Equal Opportunity NCUA LENDER ChoiceOne Shop for lower rates REFINANCE AND SAVE! COMMUNITY CREDIT UNION LOW LOAN RATES CONSOLIDATE DEBT AND LOWER PAYMENTS! HOME EQUITY LOANS PERSONAL LOANS FIXED RATES AS LOW AS VISA CREDIT CARD BALANCE TRANSFER RATE AUTO LOANS RATES AS LOW AS RATES AS LOW AS 2.49 3.25% 2.99 2.74% PR APR TERMS UP TO 180 MOS. TERMS UP TO 72 MOS. FOR SIX BILLING CYCLES TERMS UP TO 84 MOS. APPLY BY PHONE OR ONLINE AT WWW.CHOICEONE.ORG "APR-Annual Percentage Rate. Rates shown are for qualified borrowers, based on creditworthiness, and are subject to change without notice. Rates shown for Home Equity Fixed, Auto, and Personal Loars include a 25% discount for auto deduct from a Choice One share or share draft account. Contact your credit union loan officer for complete details and cument rates. Contact your tax advisor egarding the possible deductibility of interest. "APR-Annual Percentage Rate. 299% VISA Balance Transfer Rate is valid for 6 billing cycles from date of transfer Rate returns to current rate at that time. Choice Ones current Platinum Visa Credit Card Rate is 8.90% APR and Classic Visa Card is 13.50% APR with No-Annual Fee. Balance Transfer offer is good on any new or existing Choice One Platinum or Classic Credit Card. 2.99% balance transfer rate is for balances transferred from another institution only. Transfers may not exceed the credit line a member is approved for. Equal Opportunity NCUA LENDER