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*Products / Services Offered By Third Parties / Affiliates: Any financial, investment, warranty, credit insurance or other products or services ("products") which are provided by third parties or any affiliates are not products of the Credit Union. If the purchase of same is facilitated by or through Credit Union financing; such is merely a convenience to the borrower(s) and in no way creates any contractual or other relationship between the borrower(s) and the Credit Union with regard to any such products. Any rights, obligations or claims with regard to such products shall be solely and exclusively by and between the party providing such products as may be set forth in any applicable contracts, agreements or otherwise, and the Credit Union shall have no obligations, responsibilities, duties, or liabilities whatsoever regarding same.

**Annual Percentage Rate. Subject to credit approval. Offer valid November 1, 2019, through December 31, 2019. Other rates and terms available. No payment for 90 days from loan closing date. Loans must be closed at a River Valley Location. Rates subject to change. Offer may change or be canceled at any time without notice. Not every member will qualify for the lowest rate and/or longest term.