+ Auto Loans & Services + Connecting ALL Your Auto Needs.

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1 + Auto Loans & Services + Connecting ALL Your Auto Needs.

2 Find it Finance it Insure it Love it Love your car and how you get it. Whether you re looking to buy, fi nance, refi nance or insure, we ve got you covered. With Align, you can lock in a low rate, fi nd the perfect new or used vehicle with AutoSMART, negotiate a great deal with the help of our Auto Advisors and even get comprehensive insurance through Insurance Center of New England.

3 Connecting ALL Your Auto Needs. Your car is one of your most important assets, connecting you with home, work and everything in between. It makes your life easier. But, sometimes the car buying process can feel like anything but. Align s AutoSmart program is simple, convenient and customized to you. 1. Finance A variety of rates and terms to fit your financial needs. Get Pre-Qualified NOW! Before you head to the dealer for a test drive, make Align your first stop. Getting pre-qualified now means less hassle later. You could even drive off the lot the same day! Align offers a variety of financing terms for both new purchases and refinances. We also provide FREE online access to make your payments. Concerned about your credit? Our lending experts will review your credit report and provide ways to increase your score quickly to help you get the best rate available. Plus, we offer additional discounts if you set up direct payment from an Align Checking Account or your Loan to Value Ratio is less than 70%.

4 2. Shop Whether it s your first or 10th time around the block, we have options to help you through the process. Align s AutoSmart Online Portal is your direct connection for new and used vehicles. Search our incredible inventory from dealers throughout the region and apply for financing directly through one convenient site. Align Members also have the option to access Auto Advisors, our car buying concierge service. Our experts are here for one reason: to help you get the best deal on your next vehicle. Getting a low rate is important, but purchase price, trade in value, dealer add-ons and other hidden costs play a huge role in determining your final payment. Auto Advisors will look at the complete picture and work with you and the dealer to secure the best deal. We ll even go with you when you pick up the keys.

5 3.Protect Lining up the right coverage. Before you sign on the dotted line, make sure to review your coverage. Align offers comprehensive auto insurance through the Insurance Center of New England. Take advantage of Member discounts and interest-free payment plans. Plus, dedicated representatives are here to take care of all your needs by phone, or at the branch. Debt Protection* No matter how carefully you plan, you never know when life may take an unexpected turn. Align offers a voluntary loan payment protection product to help guard against delinquency, default or foreclosure in situations of covered disability, loss of life or involuntary unemployment. Guaranteed Asset Protection (GAP) ** If your vehicle is stolen, accidentally damaged beyond repair or declared a loss, you are still liable to pay the difference between what your primary insurance will pay and what you owe. GAP is available on auto loans to help cancel the difference. *Your purchase of MEMBER S CHOICE TM Borrower Security is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of MEMBER S CHOICE TM Borrower Security. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid. ** Your purchase of MEMBER S CHOICE TM Guaranteed Asset Protection (GAP) is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of GAP. If you choose GAP, adding the product fee to your loan amount will increase the cost of GAP. You may cancel the protection at any time. If you cancel protection within 90 days you will receive a full refund of any fee paid. You will receive additional information before you are required to pay the fee for this product. DPGAP-0913-AAE6

6 Questions? Ready to Get Started? Access our AutoSmart online portal at AlignCU.com to apply online! Or, speak to one of our auto financing experts and get a decision in minutes! Member Care Center (800) (During Business Hours) 24/7 Loan Center (866) Visit AlignCU.com to learn more... or stop by a branch in Amesbury, Danvers, Framingham, Haverhill and Lowell. 0715