+ Credit Cards & Personal Loans + Lending a hand when you need it.

+ Credit Cards & Personal Loans + Lending a hand when you need it.

Banking that is truly rewarding. Shouldn t banking be a rewarding experience? We think so. With Align s CURewards, automatically earn points on every purchase you make: Gas, groceries, a new tablet, anything you buy with your Align VISA Rewards Card. We ll even track your points for you. Choose from hundreds of options like cash back*, airfare, car rentals, hotels, digital cameras, jewelry and more. It s all about you. Watch your points grow on your monthly statement or login anytime you like. You can even combine your debit and credit points to earn rewards faster. Earn Rewards Points Even Faster! With the CURewards Mall Program, shop at thousands of local and national retailers in-store or online to earn bonus points. Just pay with your Align VISA Rewards Card at any participating retailer. The CURewards Mall includes merchants in almost every category imaginable and the list keeps growing! You can even create your own list of favorites so you re the first to know about special deals. Visit CURewards.com to login, view participating retailers and start shopping! *VISA Signature Rewards Card only.

You ve worked hard to get where you are. Reward yourself! Align s VISA Credit Cards are simply incredible and offer unparalleled benefits and choices. Plus, they come with EMV microchip technology for extra security. VISA Signature Rewards The best benefits + Credit Line up to $15,000 + CURewards earn points with every purchase you make... redeemable for cash back, travel, merchandise and more! + Spend $3,000 in the first 90 days and earn 6,000 CURewards Points (new accounts only) + Travel discounts and upgrades + Shopping deals at premium retailers + 24-hour concierge service + Travel and emergency assistance + Sports and entertainment exclusive rates + Special dining and wine experiences + World-wide emergency card replacement + Lost, stolen, damaged card protection Plus you get all of the benefits of the VISA Platinum Rewards Card! VISA Platinum Rewards Flexible, easy, rewarding + CURewards earn points with every purchase you make + Credit Line up to $15,000 + No annual fee* + No hidden charges + Personal Identity Theft Coverage + Year End Summary of Usage + Extended Warranty Manager + Auto Rental Collision Damage Waiver

+ Verified By VISA Purchase Protection + Online access for payments and history through Online Banking + Free estatements + No balance transfer fee* VISA Platinum The card with a lower APR + Low APR (1% lower than VISA Platinum Rewards) + Credit Line up to $15,000 + No annual fee* + No hidden charges + Auto Rental Collision Damage Waiver + Travel Insurance + Online access for payments and history through Online Banking + Free estatements + No balance transfer fee* *Annual Percentage Rate: 7.25%-13.25% based on your creditworthiness. The APR will vary based on the Prime Rate. Other fees may include; Cash Advance Fee of 2% of the cash advance or $5.00 minimum, $90.00 maximum; Foreign Transaction Fee of 1% of transaction in US dollars; Returned Payment Fee up to $20.00; Late Payment Fee 10% of the outstanding balance or maximum of $10.00. VISA Credit Card Alerts It s easy to keep track of your Align VISA Credit Card purchases and payments with text and email alerts. You can sign up for alerts when you approach your credit limit, make a large or international purchase, have a payment due and more. Financing That Fits. There are times when we could all use a little extra cash. With Align s seamless approval process, you can borrow up to $15,000 with a variety of repayment options. In addition to our credit cards and traditional personal loans, we also offer specialized products

to fit your financial needs, including: + Credit Builder CDs + Secured Loans + Overdraft Lines of Credit 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. **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. DPGAP-0913-41EC

Questions? Ready to Get Started? Visit AlignCU.com to learn more, download an application or apply online. Or, speak to one of our personal financing experts and get a decision in minutes! Member Care Center (800) 942-9575 (During Business Hours) + Visit AlignCU.com to learn more... or stop by a branch in Amesbury, Danvers, Framingham, Haverhill and Lowell. 0815