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*USC Credit Union Fund Your Summer Fun! $500 Picnic Basket Sweepstakes Official Rules

Eligibility: USC Credit Union members must apply for a qualifying loan before July 31, 2022, and have the loan funded before August 15, 2022. Any applications received after July 31, 2022 regardless if it funds or not will NOT qualify for this promotion. Qualifying loan products include personal, auto, motorcycle, RV, boat, e-bike, and solar. The primary member will be automatically entered into the Fund Your Summer Fun! $500 Picnic Basket sweepstakes at loan funding. One entry per member. Membership must be in good standing and account eligibility requirements must be met and membership fees may apply, please visit www.USCcreditunion.org or call (877) 670-5860 to confirm eligibility. Other account types, such as business, estate, trust, guardian, rep payee, etc., are not eligible to participate. Promotional offer cannot be combined with any other offers. Offer subject to change or end without notice. Other terms, limits, and fees may apply; speak to a USC Credit Union Associate for details. Bonus is considered taxable income, and the recipient is responsible for reporting the amount to the IRS. USCCU and its Representatives do not provide tax or legal advice. For such advice, please consult with a qualified professional.

All participants must accept and agree to be bound by these Official Rules and the decisions of USC Credit Union. One (1) winner will be selected by the USC Credit Union Marking Department using a random entry selection tool on August 17, 2022. Prize and Odds of Winning: Prize, $500 Mastercard® Gift Card; USC Credit Union Picnic Basket; USC Credit Union Picnic Blanket. Prizes are non‐transferable, and no cash substitution is permitted. The prizes cannot be upgraded or changed. One (1) winner will be selected at random.

Winner Selection: Odds of winning will vary depending on the number of qualified loans funded during the promotional term based on random selection.

 Winner Notification: The winner will be notified via the email address on the account file no later than August 19, 2022. The winner will have until September 9, 2022, to claim their prize, or it will be forfeited, and another winner will be selected.

 Liability and General Rules: Entrants agree to hold USC Credit Union and each of its officers, directors, employees, members, representatives, and all of its agents harmless from any liability arising from participation in the "Fund Your Summer Fund! $500 Picnic Basket" sweepstakes USC Credit Union is not responsible for any negligence, claims, liability, injury, property loss or other damages arising from, or in connection with, acceptance or participation of this campaign. USC Credit Union is not responsible for inaccurate information, lost, incomplete, illegible, late, misdirected, stolen, or mutilated entries or other materials or bona fide human processing errors.

 Further, USC Credit Union is not responsible for telecommunications, network, electronic, technical, or computer failures, including any which may affect your entry in this campaign. USC Credit Union reserves the right to disqualify entrants who fail to follow these Official Rules and regulations, tamper with the entry process, or make any misrepresentations relative to this campaign. USC Credit Union shall have the absolute right to determine if an entry complies with these Official Rules without notice to the person attempting to enter. USC Credit Union reserves the right to suspend or cancel the campaign or modify these Official Rules as necessary for any reason or as required by applicable law. USC Credit Union reserves the right, at their sole discretion, to disqualify the campaign and ban from any future promotions any person they believe is to have intentionally violated these Official Rules or tampered with any element of the campaign without notice to the disqualified or banned person.

Tax Issues: Taxes due on prizes are the recipient's sole responsibility. USC Credit Union may report all prizes won to the Internal Revenue Service (IRS) on Form 1099. USC Credit Union and its Representatives do not provide tax or legal advice. For such advice, please consult with a qualified professional.

Privacy and Publicity Authorization: By entering, participants consent USC Credit Union and each of its parent companies, subsidiaries, affiliates, agents, franchisees, advertising or promotional agencies, and partners and such entities' officers, directors, agents, employees, respective successors and assigns (collectively, "Authorized Parties"), the absolute and irrevocable right and permission to use, publish, broadcast and/or likeness, caricature, and personal information, in its current form or as retouched, digitized, cropped, altered, distorted or modified in any way, in any and all advertising and promotional materials based upon or derived therefrom, (collectively, "Materials"), in any manner, in any media whatsoever for any and all purposes, including by way of example but without limitation advertising, promoting or publicizing products throughout the universe, in perpetuity, and any and all media now known or hereafter devised (including without limitation on the Internet), in conjunction with this or other advertising or promotions without additional compensation. Participant agrees that the Materials or anything derived from there will be owned solely by the Authorized Parties. Participant shall not authorize the use of the Materials or any print, negative or other copy thereof by anyone other than the Authorized Parties.

LOAN TERMS AND DISCLOSURES

¹Auto Loans “as low as” rates include the 0.25% discount for automatic loan payments and apply to 2020 or newer vehicle models. Such rates are subject to change based on vehicle year. Other Loan-to-Value requirements may apply. To qualify for the automatic payment rate discount, loan payments must be made automatically from a qualifying checking account. Annual Percentage Rate (APR) is effective as of 07/01/2022, is based on creditworthiness and underwriting factors, and is our best rate. Proof of income may be required at the time of loan funding. Monthly payment per $1,000 for 36 months at 2.49% is $28.86. This payment example is for illustration purposes only. Your actual payment may vary. Minimum loan amounts include $8,000 for a 60-month term loan, $15,000 for a 72-month term, and $25,000 for an 84-month term loan. Membership eligibility requirements and membership fees may apply; please call (877-670-5860) or visit www.USCCreditUnion.org to confirm eligibility. All credit union loan programs, rates, terms and conditions are subject to change without notice. Rates do not apply to existing USC Credit Union Auto Loans.

Recreational vehicle “as low as” rates include the 0.25% discount for automatic loan payments and apply to 2020 or newer vehicle models. Such rates are subject to change based on vehicle year and mileage. Other Loan-to-Value requirements may apply. To qualify for the automatic payment rate discount, loan payments must be made automatically from a qualifying checking account. Annual Percentage Rate (APR) is effective as of 07/01/2022, is based on creditworthiness and underwriting factors, and is our best rate. Proof of income may be required at the time of loan funding. Monthly payment per $1,000 for 48 months at 5.24% is $23.25. This payment example is for illustration purposes only. Your actual payment may vary. Membership eligibility requirements and membership fees may apply; please call (877-670-5860) or visit www.USCCreditUnion.org to confirm eligibility. All credit union loan programs, rates, terms and conditions are subject to change without notice. Rates do not apply to existing USC Credit Union Auto Loans. RVs, boats, and motorcycles are not eligible for the clean energy rate discount. Up to 100% financing is available based on credit worthiness, vehicle type, model year, and underwriting factors. New: Manufacturer’s Suggested Retail Price (MSRP) and Used: Retail Kelley Blue Book (RKBB). Includes tax, license fees, and optional products such as Guaranteed Asset Protection (GAP) or Mechanical Repair Coverage (MRC); and is subject to approval. A valid driver’s license and current insurance information are required at time of financing.

²Personal Loan "as low as" Annual Percentage Rate (APR) is effective as of 07/01/2022, is based on creditworthiness and underwriting factors, and is our best rate. Proof of income may be required at the time of loan funding. Monthly payment per $1,000 for 12 months at 7.24% is $86.64. This payment example is for illustration purposes only. Your actual payment may vary. Membership eligibility requirements and membership fees may apply; please call (877-670-5860) or visit www.USCCreditUnion.org to confirm eligibility. All credit union loan programs, rates, terms, and conditions are subject to change without notice.

³Solar Loan "as low as" Annual Percentage Rate (APR) is effective as of 07/01/2022 is based on creditworthiness and underwriting factors and is our best rate including a 0.25% discount for automatic loan payments. To qualify for the automatic payment rate discount, loan payments must be made automatically from a qualifying checking account. Proof of income may be required at the time of loan funding. Monthly payment per $1,000 for 12 months at 3.24% is $84.80. This payment example is for illustration purposes only. Your actual payment may vary. Short term, tax-credit loan amount not to exceed 26% of project cost and term not to exceed 18 months. USCCU and its Representatives do not provide tax or legal advice. For such advice, please consult with a qualified professional. Long-term loan amount can be used for the remaining balance up to an aggregate solar loan amount of 95% of the solar project cost. Property must be owned by applicant. A Uniform Commercial Code (UCC-1 lien) will be filed on all solar equipment and county and state filing fees will be assessed during the loan transaction. Membership eligibility requirements and membership fees may apply; please call (877-670-5860) or visit www.USCCreditUnion.org to confirm eligibility. All credit union loan programs, rates, terms, and conditions are subject to change without notice.