2.99 % enewsletter July - September Home Equity Loans. No Closing Costs 2. 5 Years Fixed 1. In This Issue

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1 enewsletter July - September 2015 In This Issue Benefits of a Home Equity Loan from Austin Telco Apple Pay Now Available Benefits of a Home Equity Loan from Austin Telco Money Manager Coming Soon Oak Hill Now Open Mortgage Loan Preparation Guide Member Account Verification Fake Check Scams Mark Your Calendars All ATFCU branches will be closed in observance of: Independence Day Saturday, July 4th Labor Day Monday, September 7th 1. Low Rates Our rates are some of the lowest you ll find anywhere. So take advantage of our incredibly low rates, and put the equity in your home to work for you. 2. Flexibility Just imagine some of the amazing things that you can do with your Home Equity: Remodel the kitchen Finance a wedding Pay college tuition Take a summer vacation 3. Tax Deductible The interest you pay on a Home Equity Loan may be tax deductible, which further reduces the cost of borrowing. Consult your tax advisor regarding the deductibility of interest on a Home Equity Loan. 4. Debt Consolidation If you re looking for a way to reduce your debt or pay off your existing credit card balances, a Home Equity Loan could be a great option. A Home Equity Loan could reduce the interest you pay and your monthly payments. 5. No Closing Costs Not only will you save money with our super low rates, but Austin Telco will also pay your normal closing costs. 2 Home Equity Loans 2.99 % No Closing Costs 2 APR 5 Years Fixed 1 as low as 1 Annual Percentage Rate. Actual rate may vary depending on credit qualifications. Rates and terms are subject to change without notice. 2 Austin Telco pays all standard closing costs for Home Equity/HELOC loans below $100,000. These costs include: title search, flood determination, credit report, and county filing fees. If necessary, additional fees for appraisal, survey, and/or title company closing costs will be the responsibility of the borrower. Estimated costs will be disclosed upon receipt of application. Austin Telco NMLS #

2 Apple Pay Now Available Austin Telco FCU members can use their Austin Telco credit and debit cards with Apple Pay! Apple Pay is an easy, secure, and private way to make purchases. Use it to pay in stores without swiping your cards and in apps without entering your payment contact information. To pay, just hold your iphone 6 or iphone 6 Plus near a participating merchant s contactless reader. A vibration and beep let you know your payment has been accepted. You can also use Apple Pay on your phone, ipad Air 2, and ipad Mini 3 with shopping apps such as those for Target, Panera Bread, Petco, and Uber. Go to to learn how to set up and use Apple Pay. Money Manger Coming Soon Financial mangament stressing you out? In the fall of 2015 we will launch Money Manager, an online money management tool, integrated into online banking, that empowers you to take control of your finances and simplify your life. Budgeting, account aggregation, and categorization are just a few of the tools to guide you along your way. We will have more information on our website as the launch date approaches. Oak Hill Now Open Our Oak Hill branch is now open! This new location, at 6233 W. William Cannon Drive, is close to the intersection of HWY 290 and William Cannon and is a drive-thru facility similar to our Frontier Trail branch. Drive thru hours: Monday - Friday 7:30AM - 6:00PM Saturday: 9:00AM - 1:00PM

3 Mortgage Loan Preparation Guide Be prepared. Whether you are a first-time homebuyer who has been waiting for the perfect chance to make your move or someone who is getting ready to move to a larger or smaller home based on changing needs, it s a good idea to be prepared for the mortgage loan process beforehand. Here are some guidelines as to what information you will need for your application. Residence History Your previous addresses for the past two years and how long you lived in each place. If you currently rent, your landlord s name and address (for the past 12 months). Employment History and Income History The names and addresses for all your employers for the past two years, the dates you worked at each place of employment and a letter explaining any gaps in your employment in the past two years. You will also need original paystubs for the last 30 days, most recent two years of W-2 s and most recent two years of 1040 s. If self-employed, year-to-date profit and loss statement and current balance sheet. If you were a student in the past two years, bring a transcript or diploma. If you re retired or disabled, bring award letter and copy of your most recent check for retirement, Social Security or disability income. Outstanding Loans and Credit Cards All coupon books or most recent statement for every account you have open. Savings, Checking, or Investment Accounts The name and address for each financial institution and the account number, the current balance or value, 3 months bank statements on all accounts and 3 months statements for any IRAs, Keoghs, 401Ks or profit sharing you have. All Personal Property Owned The net cash value of your life insurance, the make, year and value of automobiles and value of your furniture or other personal property. All Real Estate Currently Owned The property address, estimated market value, and outstanding loan balance and your monthly payment. If applicable, amount of any rental income. For more information, contact: Mark Crowley Ext NMLS # This is not an offer to extend consumer credit as defined by Section of Regulation Z. Home loans are provided by partnership with CU Members Mortgage a division of Colonial Savings, F.A. NMLS#

4 Member Account Verification NOTICE TO MEMBERS The Supervisory Committee has engaged CliftonLarsonAllen, LLP Certified Public Accountants, to complete the annual audit of Austin Telco Federal Credit Union. In conjunction with the audit, the auditors will select a sample of members share and loan accounts to verify the account balances directly with account owner by letter. If your account has been selected as part of the auditing process, you will receive a letter from CliftonLarsonAllen, LLP requesting information on a designated account. Fake Check Scams Counterfeit or Fake checks are being used in a growing number of fraudulent schemes. Avoid becoming a victim by recognizing these schemes and understanding your responsibility for the checks that you deposit in your account. There are a few variations of the fake check scam. If you advertise something for sale, you may get an from an interested seller who says he does not live nearby and will send a check. When the check arrives, it is for more than the sales price. The buyer asks you to wire back the difference. Or you may receive a letter stating you won a foreign lottery, and to claim the prize, you should deposit the enclosed check and wire back the difference. If you are asked to cash or deposit a check and to send all or part of the money back, odds are you re being scammed. Remember, you are ultimately responsible for any check you cash or deposit even after funds are made available to you. It is important for you to protect yourself from common scams. To learn more on Fake Check Scams and how to protect yourself visit: Statistically Speaking As of May 31 st, 2015 Number of Members 76,651 Loans $527,011,119 Number of Checking Accounts 44,858 Deposits $1,170,860,893 Capital $149,489,199 Assets 1,323,417,879

5 Contact Information Mailing Address Austin Telco Federal Credit Union 8929 Shoal Creek Blvd Austin, TX Phone Numbers Austin Metro Area: (512) Toll Free: (800) Regular Hours Monday & Friday All Lobbies All Drive-Thru's 9:00 AM - 6:00 PM 7:30 AM - 6:00 PM Contacts General Mailbox: atfcu@atfcu.org Questions, Comments, Concerns: memberfeedback@atfcu.org MemberConnect Help: techsupport@atfcu.org Bill Pay Help: billpayservices@atfcu.org Department Extensions Bookkeeping: 7190 Loan Department/Member Services: 7194 Administrative Office: 7000 Tuesday, Wednesday & Thursday All Lobbies 9:00 AM - 4:00 PM All Drive-Thru's 7:30 AM - 6:00 PM Saturday Select Lobbies* 9:00 AM 1:00 PM All Drive-Thru s 9:00 AM 1:00 PM *La Frontera, Taos, Leander, Bastrop, Pecan Park, Brodie Lane, Georgetown, Lakeway, Cedar Park, Buda, San Marcos, Stone Hill, Tech Ridge, Taylor, Lockhart, University Oaks and Balcones Centre Management James D. Poplin, President/CEO Tony Rawls, SVP, Lending/CLO Karen Smith, SVP, HR & Branch Operations Robert Hernandez, SVP, Finance/CFO Raye Anne Cawthon, VP, Accounting Jim Howey, VP, Lending Pamela W. Cotton, VP, Member Services Christopher Mraz, VP, Information Technology/CIO Kathleen Miller, AVP, Administrative Services Sandie Peña, AVP, Branch Operations Georgia Hayes, AVP, Information Technology Jeannie Rowell, AVP, Lending enewsletter Editor Katrina Levenick, AVP of Marketing Board of Directors Paul Paulsen, Chairman Charlene Spillmann, Vice Chairman R.B. Smith, Treasurer Larry Lantrip, Secretary Steve Read, Membership Officer Fran Berns, Member Liz Heiling, Member Supervisory Committee David Westlund, Chairman Joe Bain, Secretary Paul Tidrick, Member Larry Lantrip, Board Liaison Federally Insured by NCUA