VEHICLE LOANS 1.vip.townnews.com

VEHICLE LOANS

FINANCING THAT INCLUDES FINANCIAL BENEFITS

You're automatically protected against total vehicle loss

State Farm Bank? can put you in the driver's seat with financing on a wide variety of new or used vehicles:

All our vehicle loans come with Payoff Protector?1. And that's important financial protection for you.

? Cars ? RVs ? Light trucks

? Motorcycles ? Watercraft

If your vehicle is totaled in an accident, or stolen, you could end up owing more than your vehicle insurance would pay you. So you could be making payments on a vehicle you no longer have.

You'll also enjoy competitive rates and an application process with no application fees.

With Payoff Protector, if your vehicle is determined to be a total loss before the loan is paid off, State

Get an interest rate discount and save

Farm Bank will cancel the difference between the insurance payout and the unpaid principal balance

even more

due on the loan. It's just one more way we get your

Our customers are very important to us, and we're

finances to a better state.

always looking for ways to save you money. So you'll be

eligible to receive additional savings on your vehicle loan rate when your monthly vehicle loan payment is made

automatically from a State Farm Bank deposit account -- checking, money market or savings.2

It's that easy. If you don't currently have a State Farm Bank deposit account, talk with your State Farm? agent about opening one.

Refinancing your current vehicle loan could save you hundreds of dollars

Many people never think of refinancing their vehicle loan. But if you're paying a higher interest rate than is currently available, you're throwing money away. Refinancing your loan through State Farm Bank could:

? Lower your interest rate ? Lower your monthly payments ? Allow you to pay off the balance of your loan quicker ? Save you money We make it easy to refinance your loan, and there are no application fees. Plus, your refinanced loan includes Payoff Protector. Talk with your agent about how much you could save by refinancing your existing vehicle loan.

How to choose the best vehicle loan for you

Did you know that the best loan isn't always the one with the lowest rate? Just consider: ? Low dealer rates are often temporary offers -- and they don't always apply to longer-term loans ? Many people can't qualify for those low rates and end up with higher-rate offers ? A dealer loan may require a large "balloon" payment at the end of the loan period ? The dealer often keeps your manufacturer's rebate and offers you a shorter finance period (and higher payments) than you want, as shown in the following example

Hypothetical Example: With a loan from State Farm Bank, you can apply your manufacturer's rebate to your down payment, which could mean lower monthly payments.3

DEALER FINANCING STATE FARM BANK FINANCING

Annual percentage rate Purchase price Less manufacturer's rebate Amount financed Number of monthly payments Monthly payment

0.00% $20,000 0 $20,000 60 $333.33

4.39% $20,000 $4,000 $16,000 60 $297.49

Please Note: This calculation is for illustrative and educational purposes only and may not reflect current loan terms or interest rates. Its accuracy and applicability to your circumstances are not guaranteed. Please consult with a qualified professional to discuss your specific situation.

Let a State Farm Bank vehicle loan put you in the driver's seat

Talk with your State Farm agent about the loan rate and term right for you.

For more information:

? Contact your local State Farm agent

? Call State Farm Bank toll-free at 1-877-SF4-BANK (1-877-734-2265)

? Visit ?

1Payoff Protector is not an insurance product. Subject to the terms, conditions, and restrictions of the Payoff Protector provision in your State Farm Bank Promissory Note and Security Agreement, if your vehicle is determined to be a total loss before the loan is paid off, State Farm Bank will cancel the difference between the insurance payout and the unpaid principal balance due on the loan.

2To qualify and receive an additional interest rate reduction, monthly electronic automatic payments can be made from any State Farm Bank Checking, Money Market, or Savings account. Rates may increase after consummation if customer no longer qualifies for interest rate reduction. State Farm Bank, Member FDIC.

3Example is for illustration purposes only and may not reflect current rebate offer, loan terms or interest rates. It is based on: Monthly payments on a 60-month term vehicle loan and $20,000 purchase price. Dealer-financed loan with 0% APR and no manufacturer's rebate. State Farm Bank loan of 4.39% APR and a manufacturer's rebate of $4,000.

State Farm Bank (Bank) encourages any interested individuals to submit an application for product(s) offered by the Bank and to receive more information regarding the Bank's underwriting standards for each type of credit or service offered. To apply for a product from the Bank, you may also see your participating State Farm agent.

You may also receive more information regarding the Bank's underwriting standards by visiting , or by contacting the Bank at 1-877-SF4-BANK (1-877-734-2265).

There is no requirement to purchase any insurance or other products from State Farm in connection with or as a condition to obtaining a loan from State Farm Bank. You are free to obtain any collateral insurance required by State Farm Bank from any insurer of your choice acceptable to State Farm Bank.

State Farm Bank, F.S.B. Bloomington, IL

?

SMB-30045.5

09-2014 Printed in U.S.A.

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