**Special Rates Terms and Conditions
1. Annual Percentage Rate (APR). Rates are subject to change without notice.
2. In order to be eligible for the discount of 3.00% on the posted loan rate, the following conditions must be met: a. one or more of the borrowers must purchase creditor insurance both Life and disability coverage.
3. The 3.00% discount is available on the 3 year, 4 year and 5 year fixed loans.If applicable, one or more of the co-borrowers must purchase CUMIS coverage (Life and/or Disability) in order to qualify for the discounted rate.
4. The maximum personal loan amount that will be approved for the discounted rate is $50,000. The discounted rate is available on approved credit.
5. Additional terms, conditions, fees, and charges may apply.
6. Prepayment of an eligible loan will be permitted at any time without penalty.
7. This offer may not be used to pay out, partially or in full, an existing loan or line of credit at FirstOntario Credit Union.8. This offer is not available to employees of FirstOntario Credit Union.
9. Any individual who is not currently a Member of FirstOntario must become a Member in order to apply for the loan offer.
10. If FirstOntario is unable to run the Promotion as planned, for any reason, FirstOntario reserves the right at its sole discretion to, without advance notice, terminate or suspend the Offer, in whole or in part, or modify it in any way.
11. FirstOntario reserves the right, at its sole discretion, to suspend, disqualify, limit or revoke this Offer to any Account holder it finds or believes to be manipulating or otherwise abusing the process, fairness or integrity of this offer.