Great Rates & CASH Back As much as $300! Did you know Peach State Federal Credit Union offers:

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2 Great Rates & CASH Back As much as $300! Cruise on into Peach State Federal Credit Union and refinance your vehicle loan that s financed with another lender. With rates as low as 1.9% APR*, we ll match or beat your current interest rate AND give you up to $300 cash back! It s as easy as 1-2-3: 1. Open a Peach State checking account 2. Set up payroll deduction or automatic payment from your Peach State account 3. Provide us with a copy of the financing statement from your current lender that shows your current interest rate or terms *APR Annual Percentage Rate. The lowest rate available is 1.9%. Subject to credit approval. Rates subject to change without notice and may be higher based on term and/ or qualifications. Must qualify for Peach State membership and loan. Vehicle ownership must remain the same. Peach State will finance up to 100% of the NADA vehicle valuation. All auto loans financed with another lender and with a minimum balance of $10,000 are eligible. Maximum rebate is $300. Rebate applies to the dollar amount of the loan and excludes all warranties and all insurance products. Loan must remain at Peach State for 12 months; otherwise any rebate paid will be added back into the loan payoff. Offer requires automatic payment as described above, may not be used in combination with any other offer, and is not valid on existing loans. A $25 loan application fee is charged for processing. When the loan is issued, the fee will be refunded back to your account. Offer may expire at any time.

3 Auto Loans & Vehicle-Buying Service Experience the hassle-free way to purchase a car with our vehicle-buying service, MEMBERS AutoChoice (MAC). Whether you re looking for a new or pre-owned vehicle, the experts at MAC will find just what you re looking for and they ll negotiate the best possible deal. Our members save on average $1,000 or more when they go through MAC to purchase their vehicle. And, when you use MAC to purchase your vehicle, your auto loan rate could be as low as 2.9% APR*! Peach State can help even if you ve had trouble qualifying for an auto loan in the past. * APR Annual Percentage Rate. Rates as low as 2.9% APR. Members must qualify for a Peach State loan and checking account. Rates may be higher based on term and/ or qualifications. This offer is not valid on existing loans and may not be used in combination with any other offer. Offer may expire at any time. A $25 loan application fee is charged for processing. When the loan is issued, the fee will be refunded back to your account.

4 VISA 0% APR* for Six Months! Peach State s VISA Platinum credit cardholders can take advantage of these great benefits: 0% APR for six months on all new purchases, balance transfers and cash advances No annual or cash advance fees CardCentives benefits program and ScoreCard rewards * APR Annual Percentage Rate. The 0% APR applies to purchases, cash advances and balance transfers. The 0% APR is effective for the first six statement periods following the opening of your account. The APR will return to the annual percentage rate of your approved card type after the promotional period, or if you fail to make a minimum periodic payment during the promotional period within 60 days from the due date for that payment. Offer applies to new VISA credit card accounts only and may expire at any time. Member must qualify for and maintain an active Peach State checking account. A $25 application fee is charged for processing. When the card is issued, the fee will be refunded back to your account.

5 Mortgages If you re thinking about buying a new home or refinancing your current home, Peach State can help! We offer a variety of home loans with competitive rates, fixed or adjustable terms and low closing costs through our mortgage company, Credit Union Financial Services. Second Mortgages Take advantage of the equity you ve built in your home with a fixed rate second mortgage from Peach State. This loan may be the ideal solution for things like home improvements, college tuition, or credit card consolidation, and may offer tax deduction opportunities. Home Equity Line of Credit If you need extra funds and have equity in your home, consider our low-rate home equity line of credit. Our home equity loan essentially provides a line of credit based on a percentage of the equity in your home. The interest on an equity loan is often tax deductible, so be sure to consult your tax adviser when reviewing your options.

6 For more information or a complete list of branch locations, visit us at EQUAL HOUSING LENDER We Do Business in Accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act This credit union is federally insured by the National Credit Union Administration.

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