*OFFICIAL RULES & PROMOTION DETAILS:  Qualifying Auto Loans with an original loan amount of $50,000 or less AND an original term of 72 months or less are eligible for no scheduled payments and no interest accrual for six (6) months. Qualifying Auto Loans with an original loan amount over $50,000 ORan original term over 72 months are eligible for no scheduled payments and no interest accrual for three (3) months.  Interest that otherwise would accrue during the applicable promotional period is waived. Participation in the promotional no-payment/no-interest period is optional.  Borrowers may decline the promotion and begin making payments with interest accruing under the standard loan terms.  Payment Example for 6-Month Payment Deferment: 4.16% APR (4.75% Interest Rate) with $0 down; 6 monthly payments of $0 followed by 72 monthly payments of $15.99 per $1,000 borrowed.  Declining the promotion does not affect eligibility for the $200 Amazon Gift Card or sweepstakes, provided all other eligibility requirements are met.  $200 Amazon Gift Card: Each qualifying funded auto loan will receive one $200 Amazon Gift Card.  The gift card is a promotional loan benefit and is separate from the sweepstakes. The $200 Amazon Gift Card is available only with a qualifying funded auto loan.  No purchase or loan is necessary to enter the sweepstakes.  After loan funding, the borrower will receive a certificate to redeem the gift card at Granger Chevrolet, located at 2611 Macarthur Dr, Orange, TX 77630, regardless of whether the qualifying vehicle was purchased at Granger Chevrolet or Granger CDJR.  Qualifying Auto Loans:  Promotion applies only to Indirect Loans for eligible new or used Chevrolet, Dodge, Chrysler, Jeep, and Ram vehicles purchased from Granger Chevrolet or Granger CDJR and financed by FivePoint Credit Union during the Promotional Period. Granger RV purchases are excluded. YOU Drive loans are not eligible for the no-payment/no-interest promotion, but are eligible for the $200 Amazon Gift Card, the Holiday Prize Package sweepstakes, and the Grand Prize drawing.  Credit and membership eligibility required; underwriting requirements, loan limits, and other eligibility criteria apply. Regular interest rates apply; no rate matching.    *CONTEST/SWEEPSTAKES OFFICIAL RULES:  NO PURCHASE NECESSARY TO ENTER OR WIN. A purchase, loan, membership, payment, or other financial transaction does not provide additional entries or improve the odds of winning. Each valid method of entry provides one entry into the applicable Holiday Prize Package drawing and one entry into the Grand Prize drawing, as described below, regardless of method of entry.  Contest/Sweepstakes is open only to legal residents of the State of Texas who are at least (18) years of age as of the date of entry and who obtain a qualifying auto loan funded during the Promotional Period (automatic entry) OR enter with a valid Alternative Method of Entry (AMOE.)  Individuals who wish to enter without purchasing a qualifying vehicle may receive one entry into a Contest/Sweepstakes by sending a handwritten 3” x 5” card with their first name, last name, Contest/Sweepstakes name, date of birth, residential address, daytime telephone number and email address to:   Granger Chevrolet, 2611 MacArthur Dr, Orange, TX 77630.  In order to be included in the Contest/Sweepstakes, the AMOE card must be postmarked during the Contest/Sweepstakes/Promotional period.  If the AMOE entry does not contain all of the information listed above, such entry will be deemed ineligible, as determined by the Sponsors’ sole discretion.  Limit one (1) entry per eligible person per drawing, regardless of entry method or number of qualifying transactions.  Multiple entries submitted by or on behalf of the same individual during the same Entry Period will be void.  Employees, officers, and directors of FivePoint Credit Union and Granger, and members of their immediate households, are not eligible to enter or win.  Holiday Prize Packages:See details for each Holiday Prize Package listed above.  Three (3) Holiday Prize Packages, each with an approximate retail value of $850, will be awarded by random drawing.  Entry Period 1: November 2-November 22, 2026; drawing November 30, 2026.  Entry Period 2: November 23-December 13, 2026; drawing December 21, 2026.  Entry Period 3: December 14-December 31, 2026; drawing January 8, 2027.  One automatic entry will be provided to each eligible person with a qualifying auto loan funded during the applicable Entry Period. Mail-in AMOE entries will be assigned to the applicable Entry Period based on the postmark date and must be received prior to the drawing dates listed above.  Holiday Prize Packages are nontransferable and may not be redeemed for cash.  Grand Prize – Cash Machine Contest:  The Grand Prize consists solely of the right to participate in Granger's Cash Machine contest.  One Grand Prize winner will be selected at random from all eligible automatic and AMOE entries on 01/11/2027.  Each eligible person with a qualifying auto loan funded during the Promotional Period will receive one automatic Grand Prize entry; each valid AMOE entrant will receive one entry.  All valid AMOE entries must be received by 1/06/2027 to be eligible for the Grand Prize drawing.  The Grand Prize winner will be entitled to participate in the Granger Cash Machine contest for a time period of one (1) minute, with a maximum potential cash prize of $1,500.  Only currency securely held in the participant's hands when time expires will count toward the prize. The Grand Prize has no cash alternative.  The actual amount won may be less than $1,500.  The Granger Cash Machine event is subject to gameplay rules to be provided to the participant prior to the event.  Winners:  Potential winners will be notified by telephone and/or email using the contact information associated with their entry and must respond within two (2) calendar days following the initial notification attempt.  Potential winners must provide any eligibility verification or prize-acceptance documentation reasonably required by the Sponsors. If a potential winner cannot be contacted, fails to respond timely, is ineligible, or declines the prize, the Sponsors reserve the right to select an alternate winner at random from the remaining eligible entries. Instructions for claiming each prize will be provided to the verified winner.  The odds of winning will depend on the number of eligible entries received.  Void outside of the State of Texas or where prohibited by law.  Taxes: Winners are solely responsible for all federal, state, and local taxes and other expenses associated with acceptance or use of a prize unless expressly included. The prize provider will issue any tax reporting required by law.  Personal information submitted to FivePoint Credit Union in connection with the promotion will be handled in accordance with FivePoint Credit Union's Privacy Policy. Personal information submitted directly to Granger will be handled in accordance with Granger's applicable privacy practices. Contact Granger for information regarding its Privacy Policy.  Sponsors: FivePoint Credit Union, 3700 Skyline Dr., Nederland, TX 77627, and Granger Chevrolet, 2611 MacArthur Dr, Orange, TX 77630.  By participating, entrants agree to the Official Rules and the decisions made by the Sponsors.  Promotional Period begins at 8:00 a.m. CT on 11/02/2026 and ends at 11:59 p.m. CT on 12/31/2026.