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					                                                      iWin at WFCU!
                                                      Win an iPad 2!

               A new fuel-efficient car and a chance to win an iPad 2? It is possible!
     Finance a new or used vehicle with at least $10,000.00 in new funds disbursed between
         April 1, 2011 and June 30, 2011 and you’ll be placed in a drawing* for an iPad 2!

        Eligible vehicles include new and used cars, trucks, SUV’s, motorcycles, boats, and recreational
         vehicles
        View our Great Rates: http://www.welcomecu.org/rates.php#loans
        Go Green with a U. S. Government Environmental Protection Agency
         (EPA) designated SmartWay® vehicle and we’ll reward you with a
         discounted loan rate. The Green Vehicle Loan offers a 1.00%
         discounted loan rate on loans with terms up to 48 months and 0.75%
         discounted loan rate on loans with terms from 49 months up to 84
         months for fuel efficient and eco-friendly new and used vehicles with a
         SmartWay® or SmartWay® Elite EPA designation. The rate discount
         is based on the vehicle’s EPA designation at the time the loan is
         granted and will be applied to the approved loan rate determined by
         WFCU in accordance with our Risk-Based Lending Policy. For Green
         Vehicle Loan disclosures and restrictions, click here:
         http://www.welcomecu.org/loans/index.php#car
        No payments due for up to 90 days – it’s your choice
        Repayment = Up to 84 months
        Loans must be closed by June 30, 2011 – you’ll be placed in the drawing when your loan is
         closed
                           Vehicle value (established by WFCU) and loan disbursal amount must be at
                              least $10,000.00
                           Protect your investment with optional coverage that bridges the gap – GAP
                              Plus (Guaranteed Asset Protection)
                           Optional, low-cost, MEMBER’S CHOICE® Disability Insurance, Mechanical
                              Repair Coverage, and Credit Life Protection are available
                           No hidden fees
                           No pre-payment penalty
                           All vehicles up to one year old will be financed as "new" (ex., all 2010 & 2011
         models will be financed as new for the entire year of 2011)

     It is possible to get a great loan, a new fuel-efficient car, and a chance to win an iPad 2!
                              You always win with a WFCU vehicle loan!

For more information call us toll-free at 1-888-932-8148, stop by, or phone any of our branch offices.

*Official Rules for iWin at WFCU Vehicle Loan Promotion

1.       No purchase is necessary. A purchase will not increase your chances of winning. Void where prohibited or restricted
         by law. All federal, state, and local laws and regulations apply.

2.       How to Enter: Open to legal U. S. residents residing in any of the fifty (50) United States or District of Columbia. Void
         in Puerto Rico, U. S. territories and possessions, outside of the U. S. and where restricted or prohibited by law. Must
         be 18 years of age or older at the time of entry and a member in good standing to participate. The entrant must have
     a unique, personal and valid social security number. Welcome Federal Credit Union ("Credit Union") members will
     receive one entry for each new or used vehicle loan in the amount of at least $10,000.00 in new funds disbursed
     during the period beginning April 1, 2011, and ending June 30, 2011. Entries may also be made, as provided herein.
     By submitting any entry, you agree to be bound by these Official Rules. The Promotion period begins on April 1, 2011
     and ends on June 30, 2011, and applies to entries actually received by the Credit Union during this period. Employees
     of Welcome Federal Credit Union (WFCU) and the family members of employees living/residing in the same household
     are not eligible. All winners will be notified by the Credit Union. If any prize is unclaimed, an alternate winner will be
     chosen.

3.   Prize, Odds of Winning, and Prize Drawing: The Credit Union will award a total of one iPad 2 prize with an estimated
     retail value of $500.00. The odds of winning are dependent upon the number entries. Eligible entries will be placed in
     the drawing between April 1, 2011 and June 30, 2011. The winner will be selected in a random drawing by a Credit
     Union employee on Friday, July 1, 2011. WFCU reserves the right to substitute or change the prize. No cash
     redemption is permitted.

4.   Eligibility: Entry and eligibility for this prize promotion are based upon the Credit Union granting a loan in the amount
     of at least $10,000.00 in new funds disbursed between April 1, 2011 and June 30, 2011. All other entries will be
     entered in the drawing to win this prize upon receipt of a written entry on a 3 x 5 card setting forth the member’s
     name, address, telephone number, and member number. One entry per envelope for entries that are not automatic;
     no photocopied or mechanically reproduced entries accepted; the Credit Union is not responsible for lost, late, mis-
     delivered, incomplete or postage-due entries. Written entries must be received by WFCU no later than 3:00 p.m. on
     Thursday, June 30, 2011. Written entries can be mailed to: Welcome Federal Credit Union, Attention: Marketing
     Dept., Post Office Box 830, Morrisville, NC 27560. If there are multiple parties listed on an account, entry will be based
     on the first party named on the account in question regardless of whether the account is a multiple party account; and
     regardless of whether the transactions qualifying for this promotion are actually conducted by said member. By
     entering this drawing, entrants accept and agree to be bound by these official rules and the decisions of WFCU.
     Winners are responsible for any applicable taxes or other expenses related to any prize awarded. Drawing void where
     prohibited by law.

5.   Publicity Authorization: By accepting a prize, the winner agrees to permit WFCU to utilize their name and likeness
     (photo, avatar, etc.) in promotional and other WFCU materials, without additional consent or compensation, except
     where prohibited by law.

6.   Liability and General Rules: Entrants agree to hold WFCU and each of its officers, directors, employees, members,
     representatives and agents harmless from any liability arising from participation in the iWin at WFCU Vehicle Loan
     Promotion. WFCU is not responsible for any negligence, claims, liability, injury, property loss or other damages arising
     from, or in connection with, acceptance or participation in this drawing. Further, WFCU is not responsible for any
     incorrect or inaccurate information, lost, incomplete, illegible, late, misdirected, stolen, or mutilated entries or other
     materials or bona fide human processing errors. WFCU reserves the right to disqualify entrants who fail to follow these
     Official Rules and regulations, who tamper with the entry process, or who make any misrepresentations relative to this
     promotion. WFCU shall have the absolute right to determine if an entry is in compliance with these Official Rules
     without notice to the person attempting to enter. All winners, members of any winners household, relatives and
     persons who use any prize awarded by Credit Union, and such persons heirs, assigns, executors, and administrators
     release and exempt Credit Union and it directors, officers, employees and agents from any and all claims, actions,
     demands, chooses in action and damages which they have now or any time in the future arising from use of any prize,
     including personal injury or death.

7.   Notification: The prizewinner will be notified by the Credit Union within ten (10) days of the drawing and a mutually
     agreed upon delivery date and time will be set. The selection of the prize winner hereunder will be final. The name of
     the prize winner will be published on our branch media screens.

8.   Tax issues: Taxes due on prizes are the sole responsibility of the recipient. WFCU will report all prize winnings to the
     appropriate state and federal agencies as required by applicable law. Winners, as applicable, are responsible for tax
     consequences (if any) of the prize.

9.   Right to suspend or cancel: WFCU reserves the right to suspend or cancel the promotion or modify these Official Rules
     as necessary for any reason, or as required by applicable law. WFCU reserves the right, at its sole discretion, to
     disqualify from the promotion, 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 promotion without notice to the disqualified or
     banned person.

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Description: Apple iPad iPad 2 is the next generation of products, in March 3, 2011 officially released, will be March 11 in the United States. Compared with the generation will be the biggest difference is iPad2 thinner, lighter, and has a front camera, and will be available at the black version and white version.