FIRST-TIME AUTO BUYER

FIRST-TIME AUTO BUYER

We realize that it can be difficult to get approved for a loan of any kind without much employment or credit history. We don't think those factors should prevent anyone from getting the best service, rates, and incentives! 3Rivers offers a first-time auto buyer program that makes it easier for those with no prior auto loan history to get approved.

WHAT DO THEY NEED TO QUALIFY?

? Be a current member or eligible to become one ? 18 years of age or older ? Have a state-issued driver's license ? Minimum of at least 90 days at current employer ? Proof of income required (1-2 most recent paystubs) ? No unresolved derogatory credit history at the time of application ? No credit history of financing an auto ? Loan amounts from $5,000 to $20,000 for "new money" vehicle loans only ? First-time auto buyers qualify to receive 1% cash back up to $200

and no payment for 90 days* ? If applicant scores 90% or above on the First-Time Auto Buyer Quiz, the vehicle

loan titling fee will be waived. Learn more at starthere

* Offer valid on new money vehicle/motorcycle loans or refinances of same from another financial institution. If refinancing an existing 3Rivers loan, a minimum of $5,000 new money is required to get the cash back. Only new money is valid for the 1% cash back. Rebate will be credited to member within 30 days of loan disbursement. Loan must remain at 3Rivers for a minimum of 180 days or rebate amount will be added to the loan upon payoff. No other offers/discounts apply, including rate discounts. Minimum loan amount of $5,000. Maximum cash back of $200 per financed loan. 3Rivers reserves the right to amend, suspend, or discontinue offer at any time. You may receive a 1099-MISC at year-end for tax purposes.

3Rivers reserves the right to amend, suspend, or discontinue program at any time.

Federally insured by the NCUA.

| 260.490.8328

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