¹Maximum rebate up to USD 2,400 through the UNFCU Welcome Home Program when you buy and sell a home through the program. Cash back amount based on the sale or purchase price of the home. Cash back not available by law in some states. All real estate commissions are negotiable. You must be represented by the assigned program real estate at closing to qualify for a rebate. Contact the program or a UNFCU mortgage representative for complete terms and conditions and to confirm eligibility. Consult your tax advisor with respect to the correct tax treatment for any cash back you receive. ²USD 500 credit at closing only applies for qualified first-time homebuyers. The USD 500 will be credited at closing as a closing cost credit. One closing cost credit per qualified application. Contact a UNFCU mortgage representative for complete details. ³A prequalification lets you know approximately how much you can borrow to buy a home, does not require a credit check, and is not a commitment to lend. * NO PURCHASE OR OBLIGATION NECESSARY TO ENTER OR WIN. NON-PURCHASE ENTRIES AND PURCHASE ENTRIES HAVE AN EQUAL CHANCE OF WINNING. This drawing is open to UNFCU members only and not to the general public. Drawing is open only to legal residents of the 50 US states and D.C., 18 years of age or older as of 1/28/13. Drawing period begins at 12:00:00 AM ET on 28 January 2013 and ends at 11:59:59 PM ET on 8 April 2013 (“Promotional Period”). There are two (2) ways to enter: 1) Automatic Entry: An eligible UNFCU member who applies for a mortgage or to refinance a mortgage from an outside financial institution between 28 January 2013 through 8 April 2013 and closes no later than 8 June 2013 will automatically receive (1) drawing entry. 2) To enter by US Mail without applying for and closing on a mortgage: hand-print your name, address, city, state, ZIP code, and daytime and evening telephone numbers (including area code) on a 3” x 5” card, and mail, in a #10 envelope with postage affixed, to: UNFCU Attn: Marketing Department, 24-01 44th Road, Long Island City, New York 11101. Mail-in entries must be postmarked by 8 April 2013, and received by 15 April 2013. Limit one (1) mail-in entry per household. PRIZE: (1) Grand Prize: The USD 5,000 will be in the form of a gift card from VISA^®, The Home Depot^® or Lowe’s^®. UNFCU is the sponsor of this drawing and is not affiliated with VISA^®, The Home Depot^® or Lowe’s^®. The Home Depot^® is a registered trademark of Homer TLC, Inc, Lowes^® is a registered trademark of LF, LLC. The winner will only be able to choose one type of gift card. The prize will consist of two USD 2,000 gift cards and one USD 1,000 gift card from VISA^®, The Home Depot^® or Lowe’s^®. A winning member who does not have a mortgage will receive USD 5,000 in lieu of the grand prize. Total ARV of all prizes: USD 5,000. A random drawing will take place to determine the winner at the end of the Promotional Period and the winner will be contacted by email, mail or telephone by the fourth week of July 2013. Drawing decisions will be final and binding in all matters relating to the promotion. Acceptance of prize constitutes permission to the sponsor and its agencies to use winner's name and/or likeness for purposes of disclosure, advertising and trade without further compensation. By participating in this promotion entrants agree to be bound by the rules and decision of the judges. Odds: estimated odds of winning are 1:430; however, the actual odds of winning a prize depend upon the total number of eligible entries received. Void in Puerto Rico and where prohibited. Employees of UNFCU, its affiliates, subsidiaries, advertising agencies, party vendors and their family members and/or those living in the same household of each are not eligible. Any and all federal, state and local taxes are the sole responsibility of the winner. SPONSOR: UNFCU, 24-01 44th Road, Long Island City, New York 11101. UNFCU reserves the right to modify or rescind these offers as permitted by law. All rates and offers are subject to change without notice.

© 2013 UNFCU and ‘serving the people who serve the world’ are registered marks of United Nations Federal Credit Union. All rights reserved. 1/2013

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