Financial Wellbeing Expo

For a limited time, enjoy a 4.99% interest rate and 5.75% APR* with a 5/1 Adjustable Rate Mortgage. A lower initial rate can help make homeownership more attainable today. With a 5/1 ARM, you could:

• Start with a lower interest rate
• Benefit from more affordable monthly payments
• Increase your home buying power in today’s market
• Move closer to owning your dream home sooner

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NMLS #442122
IMPORTANT NOTICES: *APR = Annual Percentage Rate as of March 16. 2026. Rates are subject to change without notice. Your rate and terms will depend on factors including credit profile, loan-to-value (LTV), loan amount, occupancy, property type, income, and overall financial obligations. All loans are subject to credit approval.
5/1 ARM Disclosures: Available for properties located in CA, CT, FL, HI, NJ, NY, and PA. The interest rate is fixed for the first five (5) years. After that, the rate will adjust annually based on the Constant Maturity Treasury (CMT) index plus a margin (fully indexed rate), rounded to the nearest 1/8 of one percent. As a result, the interest rate, APR, and monthly payment may
increase after the initial fixed period.
The advertised rate and APR assumes: Purchase of a single-family primary residence in California, a minimum credit score of 780, and a maximum 75% loan-to-value. Private Mortgage Insurance (PMI) is required for loans with less than 20% down and will increase the
APR and monthly payment.
Example for informational purposes only: Based on a $450,000 loan amount and $600,000 purchase price at a 4.990% initial interest rate and 5.752% APR, the estimated principal and interest payment is approximately $2,414 per month during the first 60 months. Taxes, insurance, and HOA dues (if applicable) are not included; actual payment will be higher. Payments may increase after the fixed-rate period. 

The Enchanted Sweepstakes Prize Package:

• Tickets for up to 2 persons to the opening night performance of Beauty and the Beast at the Hollywood Pantages Theatre on Thursday, August 13, 2026 at 7:30 p.m. (seat location to be determined by Disney and the theater)
• Up to 2 concession vouchers (1 for Prize Winner and 1 for Guest, if any) at the performance of Beauty and the Beast at the Pantages Theatre in Hollywood redeemable for 1 nonalcoholic or alcoholic beverage at the concessions stand
• 1 merchandise bundle with a value of $150.00 containing the following: “My weekend is booked” tote, Beast Puff Keychain, Real Rose Keepsake, Water Bottle, and Notebook & Pen Set
• 1 restaurant gift card valued at $250 (as determined by Partners FCU)
• 1 Uber gift card valued at $200 (as determined by Partners FCU)

How to Enter:

1. Check-in at the Partners Financial Wellbeing Expos on March 18 and 19, 2026
2. Collect 5 or more stamps 
3. Turn in your completed stamp card at check-out
4. Winner will be selected on March 25, 2026 and contacted by email

Partners Federal Credit Union The Enchanted Sweepstakes

Official Rules

1. NO PURCHASE OR PAYMENT OF ANY KIND IS NECESSARY TO ENTER OR WIN THIS SWEEPSTAKES.

2. EACH SWEEPSTAKES ENTRY WILL HAVE AN EQUAL CHANCE OF WINNING. MAKING A PURCHASE WILL NOT IMPROVE AN INDIVIDUAL ENTRY'S CHANCES OF WINNING.

3. Consumer Disclosure: Odds of winning are based upon the number of entries. Based upon the Credit Union's (defined below) estimate of 3,500 entries during the Sweepstakes Period (defined below), odds of winning a prize is 1 in 3,500.

4. Sponsor: Partners Federal Credit Union (the "Credit Union" or "Partners FCU") is the sponsor of this sweepstakes (“Sweepstakes”). The Credit Union's address is: 100 N. First Street, Suite 400, Burbank, CA 91502

5. Sweepstakes Period: Sweepstakes begins March 18, 2026 at 11:00 a.m. PT through March 19, 2026 at 3:00 p.m. PT. ("Sweepstakes Period").

6. Eligibility: To be eligible to win, you must submit a valid entry (as described in section 7 below) during the Sweepstakes Period. Limit one (1) entry per person during the Sweepstakes Period. Sweepstakes is open to TWDC Employees prior to March 20, 2026, age 18 years or older, U.S. only. Officers, officials and employees of Partners FCU and their immediate families (i.e., parents, children, spouse, siblings, grandparents, step-parents, step-children, and step-siblings of each) are not eligible. The publicity in connection with the Sweepstakes and the awarding of the prize are valuable to the Credit Union; therefore, persons who have been convicted of a felony, arrested for or charged with a felony, are the subject of a current felony investigation, or who have a reputation for immorality or dishonesty which would, in the opinion of the Credit Union, adversely affect the reputation or public image of the Credit Union, are not eligible to win. By entering, you consent to criminal, credit, and background checks and consumer reports that may be used to determine winner eligibility. By entering this Sweepstakes, you accept and agree to be bound by these Official Rules and the decisions of the Credit Union, which are final and binding. Sweepstakes void where prohibited by law.

7. Sweepstakes Entries: To be entered you must visit five (5) resource tables, collect a stamp at each, and submit your completed stamp card at the Partners Financial Wellbeing Expo check-out during the Sweepstakes Period. Partners FCU reserves the right to verify the accuracy of entries.

8. Prize Drawing: There will be one (1) prize drawing on March 25, 2026 in which one (1) potential winner will be selected. The prize drawing will be held at Partners Admin Office, 100 N. First Street, Suite 400, Burbank, CA 91502.

Winner need not be present to win. The Credit Union reserves the right to determine the eligibility of the winner and the identity of the winner in its sole discretion in accordance with these Official Rules.

The Credit Union will send notification to the winners by email within one (1) week of the drawing by using contact information provided on the stamp card. Winner must claim the prize within seven (7) calendar days after notification is sent. If a prize is unclaimed within seven (7) calendar days after notification is sent, the prize will be forfeited, and a new winner will be drawn.

9. Prize: One (1) winner will be randomly selected and awarded one (1) The Enchanted Sweepstakes Prize Package for winner and up to one (1) guest consisting of the following (collectively, the “Prize Package”):

The Enchanted Sweepstakes Prize Package consisting of:

• Tickets for up to two (2) persons to the opening night performance of Beauty and the Beast at the Hollywood Pantages Theatre on Thursday, August 13, 2026 at 7:30PM (seat location to be determined by Disney and the theater)
• Up to two (2) concession vouchers (one for Prize Winner and one for Guest, if any) at the performance of Beauty and the Beast at the Pantages Theatre in Hollywood redeemable for one (1) nonalcoholic or alcoholic beverage at the concessions stand
• One (1) merchandise bundle with a value of $150.00 containing the following: one (1) “My weekend is booked” tote; one (1) Beast Puff Keychain; one (1) Real Rose Keepsake; one (1) Water Bottle, and one (1) Notebook & Pen Set.
• One (1) restaurant gift card valued at $250 (as determined by Partners FCU)
• One (1) Uber gift card valued at $200 (as determined by Partners FCU)

Additional Terms and Conditions

• Performance dates and times shall be in the sole discretion of Disney and the applicable theater, and blockout dates may apply. Performers are subject to change. Any accessibility questions/concerns will be addressed and accommodated during ticket fulfillment. Attendance at the performances shall be subject to additional terms, conditions, and rules of Disney Theatrical Group and the theater.
• Prize Winner and Guest must be 21 years of age or older in order to redeem a drink voucher for an alcoholic beverage, with acceptable proof of age as required by law and in accordance with the applicable theater’s requirements

The total approximate retail value (“ARV”) of all prizes is $600.00. The maximum value of prizes a single winner could win is $600.00. If the actual value of the prize is less than the stated ARV, the difference will not be awarded.

Prizes cannot be substituted, converted to cash, assigned, or transferred by winners. The Credit Union reserves the right to substitute a prize of equal or greater value should the featured prizes become unavailable for any reason. The prize cannot be used in conjunction with any other promotion or offer. All prizes will be awarded provided a sufficient number of eligible entries are received. For a list of winners, mail a self-addressed, stamped envelope to: Partners Federal Credit Union, Attention: “The Enchanted Sweepstakes, 100 N. First Street, Suite 400, Burbank, CA 91502. Request must be received by May 25, 2026.

10. Liability/General Rules: The Credit Union is not responsible for any loss which may occur in connection with the The Enchanted Sweepstakes. By entering the Sweepstakes, you agree to hold the Credit Union and Disney harmless from any liability arising from participation in the Sweepstakes or the acceptance, receipt, possession, or misuse of the prize. The Credit Union, Disney and each of its officers, directors, employees, members, and representatives and agents are not responsible for any negligence, claims, liability, injury, property loss, or other damages of entrants and/or winners arising from, or in connection with, acceptance, receipt, possession, or use/misuse of prizes awarded or participation in this Sweepstakes. The Credit Union is not responsible for any incorrect or inaccurate information, whether caused by tampering, hacking, or by any of the equipment or programming associated with the Sweepstakes. The Credit Union reserves the right to disqualify entrants who fail to follow these Official Rules or who make any misrepresentations relative to the Sweepstakes or redemption of a prize. Sponsor has the right, in its sole discretion, to modify the Official Rules or to cancel, modify, terminate or suspend the Sweepstakes, except where prohibited by law. Winner’s accounts must be in good standing; if winner’s accounts are not in good standing, the Credit Union may require the accounts to be brought into good standing prior to awarding the prize. All decisions of the Credit Union in regard to this Sweepstakes are final and binding.

11. Taxes: The Credit Union will report all prize winnings to the appropriate state and federal agencies as required by applicable law. Winner is responsible for all taxes.

12. Publicity Authorization: If you are selected as a winner, you agree that your name and likeness, including photographs, may be published in the Credit Union’s marketing materials, including newspaper ads and social media such as Facebook, Twitter and Instagram, without additional compensation or permission, except where prohibited by law.

13. Choice of Law: All issues and questions concerning the construction, validity, interpretation, and enforceability of these Official Rules, or the rights and obligations of entrant and the Credit Union in connection with the Sweepstakes, shall be governed by, and construed in accordance with, the substantive laws of the State of California, USA, without regard to choice of law rules; provided that any and all disputes, claims and causes of action arising out of or connected with the intellectual property of Disney, shall be resolved individually, without resort to any form of class action, shall be governed and construed in accordance with the laws of the state of California and in the event of any dispute, all entrants irrevocably consent to the jurisdiction of the state and federal courts located in Los Angeles, California to resolve such disputes. 

14. This promotion is not endorsed by or affiliated with Disney, its subsidiaries or affiliates.

15. By participating in this Sweepstakes, you consent in accordance with the Telephone Consumer Protection Act (47 U.S.C. § 227), to the Credit Union contacting you at the telephone numbers and email addresses currently on file with or submitted to the Credit Union, using natural or artificial voice calls, automatically dialed calls, prerecorded messages, text messages and any other electronic media, to communicate, deliver information and marketing messages. This consent is not required as a condition of purchasing any property, goods or services; you may revoke this consent.