TeamOneCU.org

DON’T MISS THIS OPPORTUNITY!

Are you ready to start your journey to financial success?

Here are 2 easy ways to participate and get more information.

1. Logontowww.viersautosales.com/firsttimebuyers formoreinformation,includingcourseschedulesortojoinoure-maillist.

2. CallViers Auto Salesat810-667-5447tospeakdirectlywitharepresentative.

FIRST TIME

PROGRAM

Start your journey to financial success.

WHAT IS “BUYERS TRAINING”?

“Buyers Training”isthedirectresultofacombinedeffortbetweenViersAutoSalesandTeamOneCreditUnion.Wenoticedanunfortunatetrend,mostFirstTimeBuyersarebeingsetupforfailure.LoanqualificationsforFirstTimeBuyersareoften,notfavorable,requiringlargedownpayments,co-signersandhighinterestrates.Mostwillsignforamuchhigherpaymentthantheycanafford.

FormostFirstTimeBuyers,financingisaconfusing,newlanguage.MostU.S.householdsdonotdiscussfinancialresponsibilityandit’svirtuallyabsentintheclassroom.Wedecideditwastimetocreateandofferaresponsibleapproachtohelpingouryoungadultsstartoutontherightpath.

“We couldn’t drive without Drivers Training…

We shouldn’t buy without “Buyers Training”.

The concept is, “Education Promotes Success”. Byeducatingouryoungadultsonthebasicsoffinancing,vehicleselection,andbudgeting,wearepreparingthemtosucceed.Ourprogramisuniqueinthatitbringstogethertheexpertiseofanautodealer,Viersandafinancialinstitution,TeamOneCreditUnion!TheFirstTimeBuyersTrainingProgramPilotisalenderanddealercooperativeprogramthateducatestheFirstTimeBuyerandwillproviderelevantinformationforyearstocome.

Youngadultsthatcompletethiscourseandmeetunderwritingqualificationswillbeeligibletoobtainanautoloanwithagreat,lowrate!

DO I QUALIFY?

The“Buyers Training”programisdesignedforyoungadultswithnopreviouscreditexperience.However,anyonecantakethecourse.

Requirementsforloanqualificationuponcompletionofthecourse:

1. MusthaveavalidMichiganDriver’sLicenseandbe18yearsorolderwithnoderogatorycredit(excludingmedicalbills).

2. Musthave3monthsminimumjobtime(6monthsfortempjobs)withnomorethan2jobsinthelastyear.

3. Incomemustbeverifiable.Cash&seasonaljobsdonotqualify.

4. MusthaveaGrossMonthlyIncomeof$1,235.00orhigher.

5. MustmeetTeamOneCreditUnionmembershiprequirements.

HERE’S WHAT IT LOOKS LIKE!

Participantsofthe“Buyers Training” programwillhavetheoptiontoattendoneofourgroupcoursesorrequestadownloadablestudyguide.

Grouptrainingcourselocationswillvaryfrommonth-to-month.Logontowww.viersautosales.com/firsttimebuyerstoaccessthelistofup-comingeventsinyourarea.

Thisshortcoursewillcover:1. THEPRICEYOUPAYFORCREDIT2. FINANCIALRESPONSIBILITY3. BASICBUDGETING4. HOWCREDITWORKS5. UNDERSTANDINGFINANCING6. VEHICLESELECTION1017. ANCILLARYPRODUCTS8. CREDITUNION1019. GLOSSARYOFDEFINITIONS

Uponcompletionofthiscourse,youwillbeaskedtopassamultiplechoicetestandcompleteawrittenbudget.Thetopicscoveredinthiscoursewillinformandempoweryou!

Success!

Uponcompletionof“Buyer’s Training”,youwillreceiveaCertificateofCompletion,offeringyoutheopportunitytoapplyforthisuniqueFirstTimeBuyersautoloan.

This“Buyer’s Training”programisonly availableatViersAutoSales withfinancingprovided byTeamOne CreditUnion!