Disclosure:
**Subject to credit approval. Maximum credit limit is $15,000. Fixed Annual Percentage Rate (APR) of 11.99%. A minimum credit score of 680 is required for eligibility. The line of credit has a 5-year draw period followed by a 5-year repayment period, for a total term of 10 years. During the draw period, monthly payments are interest-only. Following the draw period, the outstanding balance will be amortized over the 5-year repayment period. Minimum monthly payment is $50. Payments are due on the 1st day of each month. A late fee equal to 5% of the late payment or $5, whichever is less, may be assessed. Credit union membership is required, and members must maintain a $5 deposit relationship.

Disclosure:

*Your account must be in good standing. This means all loans and account balances must be current and in good standing when the Skip-A-Payment agreement is received by the Credit Union. If a loan was 30 days or more delinquent in the previous 6 months, it is not eligible to Skip-A-Payment. If any borrower on the loan has filed for bankruptcy, the loan is not eligible for Skip-A-Payment. This offering is not available on loans during the first 6 months of your loan agreement. Maximum (2) two skipped payments per calendar year and (4) four skipped payments for the life of the loan. There must be a minimum of (4) four timely monthly payments between skipped payments. No consecutive skipped payments will be allowed. This offer is for closed-end consumer loans only and excludes all real estate secured loans including Mortgages, Home Equity Lines of Credit, Overdraft Lines of Credit, Credit Cards and Commercial loans. Only personal, MassSave HEAT, automobile, motorcycle, and recreational vehicle loans are eligible. You may Skip-A-Payment on more than one loan for a $35 processing fee for each loan. If you choose to have the processing fee(s) deducted from your Credit Union savings or checking account, the funds must be available for withdrawal. Finance charges will continue to accrue on a daily basis at the Annual Percentage Rate set forth in your loan agreement, both during and after the deferral period. This means that this deferral of scheduled payments will result in having to pay higher total Finance Charges and possibly a greater total number of payments, than if you made these payments as originally scheduled. This means additional payment(s) may be due after the loan would have originally been paid off. You agree to contact the Credit Union for exact payoff information. Your next monthly payment will include the finance charges accrued from the skipped month. If you elected GAP coverage, your coverage may not be extended beyond the original maturity date. The expiration dates of GAP coverage, accident, life, disability, or other insurance will not be extended from the terms outlined on your original loan agreement.  All other terms of your original loan agreement will remain the same. Align Credit Union reserves the right to revoke this offer at any time if your loan does not meet the criteria for this program, which include, but are not limited to: market conditions; no bankruptcy; and a satisfactory payment record.