Important Information Regarding This Offer:

PRESCREEN & OPT-OUT NOTICE
This "prescreened" offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria including providing acceptable property as collateral. If you do not want to receive prescreened offers of credit from this and other companies, call 1-888-567-8688, visit the website at www.optoutprescreen.com or write: TransUnion Opt-Out Request, PO Box 505, Woodlyn, PA 19094-0505; Experian Consumer Opt-Out, Inc, PO Box 919, Allen, TX 75013; Equifax Options, PO Box 740123, Atlanta, GA 30374-0123.

*3.49% fixed Annual Percentage Rate (APR) for the first twelve months. Thereafter, variable APR adjusted quarterly based on Wall Street Journal Prime Rate (index) +/- 0 a margin for the life of the loan. The current APR as of September 1, 2022, is 5.50 APR, which includes a 0.00 margin and loan to value <=80%. The maximum rate of 18% APR. Rates and terms will vary depending upon loan-to-value and credit qualifications. An introductory offer is not available for refinances of existing Argent home equity loan/line of credit. Not available for a home purchase or investment properties. No closing costs. If you close your line of credit within thirty-six (36) months, you will be required to reimburse the Credit Union for closing costs paid on your behalf. These fees generally total between $400 and $1,000. If you ask, we will provide an itemization. Limited time offer.

Credit Pre-Approval Terms & Conditions
This credit pre-approval is not transferable and may be used only by the person named herein for owner-occupied properties. You have received this offer because a pre-qualifying credit report indicates that you satisfy our criteria for this offer. When you respond to this offer, we will verify you continue to meet the criteria, including verification of ownership, existing mortgage and income. If we find that you no longer meet the qualifying criteria, we may not extend credit under this pre-approved offer. Pre-approval offer is available on equity lines up to 80% of the home’s value less encumbrances, minimum loan amount is $10,000 and not to exceed a maximum $100,000. Higher limits or 90% loan-to-value (LTV) product may be available with a complete application. Subject to acceptable title and satisfactory appraisal of the property. The amount of the loan for which you qualify depends upon the lendable equity in your home.

Hazard and, if applicable, flood insurance must be in effect on the property securing the loan. Rates subject to change. If you close your line of credit within thirty-six (36) months, you will be required to reimburse the Credit Union for closing costs paid on your behalf. Valid for properties in Virginia within 150 miles of an Argent Credit Union facility. This credit pre-approval expires 11/30/2022.

Fair Credit Reporting Act Notice
You received this offer because you satisfied our initial criteria for creditworthiness, which may have included information provided to us by a consumer reporting agency. To ensure each borrower continues to meet our initial criteria for creditworthiness, you agree that we may obtain a consumer report, that we may validate all information as provided on such consumer report, and by each borrower, such as employment, income and outstanding debts. If any borrower does not continue to meet our specific criteria for creditworthiness, and/or is unable to adhere to the Conditions of Offer, or if extending credit would then exceed our internal credit policy limits, we reserve the right to reduce or revoke this pre-approved offer.

NMLS #421982