Connecting ALL Your Banking Needs. How do I become a Member? Smart savings, made simple. SAVINGS

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2 Connecting ALL Your Banking Needs. SAVINGS We all have multiple financial needs. Whenever you need to bank, borrow or plan and grow, Align is here to help you every step of the way in one of our branches, online or on the phone. With customized solutions and exceptional service, our financial experts are here for one reason: to serve you. How do I become a Member? It s easy. Align Membership is open to anyone who lives, works or attends school in many communities in Northeastern Massachusetts and Southern New Hampshire. To become a Member, just open an Align Membership Savings Account. All it takes is $25 and you can take advantage of the great benefits that come with being an Align Member. To open your account and become a Member today, visit a branch near you, go to AlignCU.com or call (800) Smart savings, made simple. Putting money away for a rainy day is just the beginning. Align offers options to help make the most of every dollar you save. Membership Savings It only takes a $25 deposit to get started. MyGoal Savings With flexible terms, this dedicated account keeps your savings on track for that special something. Extra Savings Tools When it comes to your finances, we look at the big picture and offer additional ways to help make your financial future as bright as possible with: + IRAs + CDs + Money Market Accounts

3 CHECKING *Message and data rates may apply. **Additional storage available for purchase. **Must open a checking and savings account with a $25 minimum deposit. $25 will be deposited within 30 days of account opening and subject to tax reporting. Student Checking earns variable.25% APY. Annual Percentage Yield accurate as of 5/1/2015. Checking that fits your life. At Align, you can find an account that fits you today, with the flexibility to grow and change as you do. All Align checking accounts feature: + + No monthly maintenance fees + + FREE VISA Rewards Debit Card which earns you CURewards points for every purchase + + FREE access to over 27,000 ATMs + + Protection from unauthorized usage through Verified by VISA + + FREE eservices: Online and Mobile Banking*, BillPay, estatements, Desktop Remote Deposit, Remote Mobile Deposit, Pay People and 25 MB of storage in My Virtual Strongbox ** Our Connect Premier*** checking account is for Members who want to take advantage of the best benefits available with their Align relationship. Our Connect Plus account is the perfect option for Members who use accounts a little less frequently but still want great benefits. The Connect account is just right for those who are looking for a simple and easy account. ***Connect Premier: Must have a combined deposit and lending balance or limit of at least $10,000, Membership Savings Account, Align Checking Account, Align Debit Card and one of the following Align products: mortgage, home equity loan or line of credit, credit card, auto loan or recreational vehicle loan. Your Membership will be reviewed monthly to determine the money management package you qualify for. If you no longer meet the requirements of the Connect Premier Money Management package after 90 days, you will no longer receive the benefits of the Connect Premier Money Management package. Connect Plus: Must have a combined deposit and lending balance or limit of at least $2,500, a Membership Savings Account, Align Checking Account, Align Debit Card and one of the following products with Align: auto loan, credit card, recreational vehicle, business deposit account or business loan. Your Membership will be reviewed monthly to determine the money management package you qualify for. If you no longer meet the requirements of the Connect Plus Money Management package after 90 days, you will no longer receive the benefits of the Connect Plus Money Management package. Connect: Must have a Membership Savings Account, Align Checking Account and Align Debit Card. Your Membership will be reviewed monthly to determine the money management package you qualify for. If you no longer meet the requirements of the Connect Money Management package after 90 days, you will no longer receive the benefits of the Connect Money Management package. You will receive a certain number of free ATM transactions at non-align ATMs, depending on the package you qualify for. After that, there is a $1.00 fee per transaction. Must be enrolled in estatements for at least 90 days to qualify for ATM reimbursements. Waived/reimbursed fees only apply to deposit account and credit card fees, excluding finance charges. Benefit Checking (Ages 65+) This account earns interest with no maintenance fees and comes with FREE standard checks for life.

4 YOUTH ACCOUNTS Accounts for every age and stage. New Baby Account (Ages 0-1) All you need is your baby s birth certificate and social security card to open a savings account. Align will even deposit $25 to get you started.* Super Saver Account (Ages 0-23) Earn a higher interest rate than a regular savings account, plus get a special bonus after six months of making a minimum monthly deposit.** Starter CD (Ages 5-17) This account has a great rate, low minimum deposit, short 12-month term and the option to make two additional deposits along the way to boost savings.*** *$25 Welcome Gift will be deposited within 30 days of account opening and subject to tax reporting. $25 minimum balance to earn variable.25% APY. Annual Percentage Yield accurate as of 5/1/2015. **For Members up to 13 years old, a $15 initial deposit required and a monthly deposit of $15 to receive a $15 bonus. For Members 14-17, an initial deposit of $25 required and a monthly deposit of $25 to receive a $25 bonus. For Members age 18-23, an initial deposit of $50 required and a monthly deposit of $50 to receive a $50 bonus. The bonus is subject to tax reporting. $1.00 minimum balance to earn.75% APY. Annual Percentage Yield accurate as of 5/1/2015. Only one account per Member. New money only. *** Only one CD per Member. Student Checking (Ages 14-23) A simple account with no minimum balance, free eservices, a VISA Debit Card and FREE first order of standard checks. Plus, Align will match your $25 initial deposit if you bring in proof of acceptance/enrollment in college. Must open a checking and savings account with a $25 minimum deposit. $25 will be deposited within 30 days of account opening and subject to tax reporting. Student Checking earns variable.25% APY. Annual Percentage Yield accurate as of 5/1/2015.

5 VISA PAYMENT OPTIONS VISA Credit Cards Unparalleled benefits and choices. + + VISA Signature Rewards with the best benefits and EMV microchip technology for the best security + + VISA Platinum Rewards that s flexible, easy and rewarding + + VISA Platinum with a lower APR VISA Debit Card All Align checking accounts come with a FREE VISA Debit Card. + + Withdraw cash or make deposits at 27,000 conveniently located surcharge-free ATMs + + Make purchases in person, by phone or online... anywhere the VISA Debit Card is accepted + + Protection from unauthorized usage through Verified by VISA + + No monthly maintenance fees CURewards Earn points with every purchase with Align s VISA Signature Rewards, VISA Platinum Rewards and VISA Debit Cards. Redeem points for cash back, airfare, car rentals, hotels, digital cameras, jewelry and more. VISA Prepaid Cards Perfect for students, travelers or just about anyone who would like to keep better track of their finances without the complications of a traditional checking account. Prepaid cards are reloadable and give you the flexibility to securely manage your money and make purchases anywhere VISA is accepted without the risk of carrying cash.

6 BORROWING Financing + + A variety of rates and terms + + Free pre-approvals + + Financing for new purchases + + Refinance your existing loan from another institution + + Free online access for making payments + + Discount for direct payment from an Align Checking Account + + Discount if Loan to Value Ratio is less than 70% Insurance + + Comprehensive auto insurance offered through the Insurance Center of New England with Member discounts and interest-free payment plans Connecting ALL your auto needs. Align will steer you in the right direction when it comes to finding, financing and insuring your next vehicle. Shopping + + AutoSmart Online Portal to help you find the perfect new or used vehicle and secure financing directly through one convenient site + + Auto Advisors to help you get the best deal possible Additional Protection + + Optional Debit Protection available to help cover debt in case of disability, loss of life or involuntary unemployment* + + Guaranteed Asset Protection (GAP) available in case your vehicle is stolen, accidentally damaged beyond repair or declared a loss** *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.

7 Financing to fit you. Our Home Financing Consultants will be there every step of the way, providing expert guidance to match you with a loan that fits your needs. Home Financing + + Fixed and adjustable rate loans + + Purchases and refinances + + First-time homebuyer programs + + Home equity loans and lines of credit + + Construction loans + + Home insurance available through the Insurance Center of New England Personal Loans + + Secured loans with low rates + + Savings Secured loans + + CD Secured loans + + Overdraft Line of Credit

8 eservices Connect at the touch of a button with these FREE Apps for your iphone, ipad or Android. Align Mobile Banking App** Check balances, make loan payments, transfer funds between Align accounts, find Align branches and ATMS, and conveniently deposit checks by capturing a picture on your mobile device.** AutoSMART Mobile App Research vehicle features, prices, trade-in values and even quickly apply for a loan with Align s Loan Approval Tools.** eservices and Apps to make your life easier. We understand your life is full of twists and turns. And sometimes they don t take you past an Align branch during business hours. That s why we offer technology to help you take care of your banking when and where it s convenient for you. Align Credit Card Mobile App** View recent and pending transactions, make payments, report a lost or stolen card and more.** *Additional storage is available for purchase. **Message and data rates may apply. + + Online Banking + + Online Bill Pay + + estatements + + Account-to-Account Transfers + + Mobile Check Deposit + + Desktop Remote Deposit + + Pay People Send, request and receive money through your iphone, ipad or Android + + My Virtual StrongBox Store, protect and keep copies of your most important documents safe in case of disaster. Each Member gets 25MB for FREE.*

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