INSIDE. Consolidate Higher Rate Loans and Credit Cards with the Help of a Heritage Loan! Join MHCU or Apply for a Loan, from Your Phone!

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1 INSIDE Winter Consolidate Higher Rate Loans and Credit Cards with the Help of a Heritage Loan! Get a Great Rate and Fixed Monthly Payments Take up to 48 Months to Repay No Prepayment Fee Enter to Win a $500 payment toward your loan! * Minimum loan amount $500. All MHCU loan refinances must include an additional $500 in new money. Drawing will occur in February, March and April for previous month s booked loans. Winner will be contacted via phone and $500 will be made as payment to the loan. No purchase necessary to be entered into drawing. To enter, send in your name, address and phone number to MHCU, Attn: Marketing, 440 Park Place, Lexington, KY Join MHCU or Apply for a Loan, from Your Phone! See page 2 for details. Page 2 Join Us... from Anywhere Sign Up for estatements Low Rates on Auto Loans! Page 3 ezcardinfo Christmas Club New Year, New Home? Page 4 Remote Deposit Indirect Lending Program Skip-A-Payment Page 5 Have Reward Points to Spend? Annual Meeting 2018 MHCU Youth Scholarship Page 6 Holiday Closings Business Lending

2 2 $10 Walgreens Gift Card Go Green Sign Up for estatements Today! Sign up for estatements in January and you will receive a $10 Walgreens gift card! It s easy to sign up! Simply go online to Go to the eservices tab and click on estatement Enrollment. Always Rates as Low as 2.49% APR* on Auto Loans! No promotion dates. No expiration. Repayment terms are flexible 100% financing available Please call, stop by any of our convenient locations or visit our website at * APR=Annual Percentage Rate. This credit union and its policies comply with the Equal Credit Opportunity Act. All credit offers and rates subject to approval. Your rate may be higher based on your credit history. In-house refinances require an additional $500 in new money. Auto loan rate shown based on 100% financing.

3 3 ezcardinfo Members Heritage makes makes managing your credit card account online easy with ezcardinfo. View your account balance, available credit, payment information, account activity and more quickly and securely. The site is encrypted and fully protected, so you ll have comfort knowing that your credit card information is secure. To enroll, or for more information, visit Christmas Club NEW YEAR, NEW HOME? I can help! It s never too early to start saving for the holidays! Low $5.00 minimum opening balance. Deposits can be made by payroll deduction. Dividends calculated on average daily balance, paid quarterly. Dividend Rate (balances up to $2,500) are 1.00% above Current Share Rate. Dividend Rate (balances over $2,500) are at our Current Share Rate. No Annual Fee Early Withdrawal Fee $10.00 Early Withdrawal Penalty Account Closed Entire account balance is deposited into your primary Share Savings account (or other designated account) on October 1 st. Open your MHCU Christmas Club account today! * Christmas Club accounts are limited to one per member. If you re considering moving into a new home this year, or refinancing your existing one, we can help! As a valued member of Members Heritage Credit Union, you are entitled to a special mortgage lending program through SWBC Mortgage Corporation. Contact me today to learn more about this special program and how we can help you reach your goals of homeownership this year. JAMIE MORRISON SWBC MORTGAGE CORPORATION FINANCIAL INSTITUTION LOAN OFFICER NMLS #6298 GA LICENSE # Park Place Lexington, KY DIRECT: TOLL FREE: ext jmorrison@swbc.com Apply Online at SWBC. All rights reserved. Loans are subject to credit and property approval. Other restrictions and conditions may apply. Programs and guidelines are subject to change without notice. Rates are subject to change daily. Corporate office located at 9311 San Pedro Avenue, Suite 100, San Antonio, TX SWBC Mortgage Corporation, NMLS #9741 ( Georgia Residential Mortgage Licensee. First Mortgage Services provided by SWBC Mortgage Corporation.

4 4 Remote Deposit Anytime. Any place. Indirect Lending Program Put yourself behind the wheel of a new car this year with MHCU s Indirect Lending Program. You can find your dream car, finance it directly on the lot and drive away, all in the same day! Use the Members Heritage Mobile App to deposit checks in a snap with your iphone or Android device. Deposits are quick, convenient and secure. Simply tell the salesperson that you are a Members Heritage member, and you want your loan with us no need for a special trip to the credit union. Indirect Lending dealers can even open new accounts, so your family may also be eligible for our financing. For a list of participating dealerships close to you, go to Or give us a call at. Skip-A-Payment Need a little cash after the holidays? You can now skip a loan payment* and have more cash when you want it! One Skip-A-Payment is permitted per loan per calendar year. There is a $20 fee for each loan payment that is skipped. To take advantage of this offer, go to and click on Loans/Apply Online/Skip-A-Payment Form. You can fill it out online and submit electronically, or use the print version of the document, fill it out and return by mail or to one of our convenient locations. * In order to participate, all loans must be current and accounts must be in good standing. Loans that have an extension or payment modification within the last year may not qualify. This offer does not apply to first mortgages, home equity loan/second mortgages or credit cards. Interest will continue to accrue on your loan during the month you skip your payment. Future claims for credit disability, credit life insurance and/or GAP claims may be affected by participating in the program. Skipped payment will be added to the end of the loan contract. Some restrictions apply.

5 5 Annual Meeting Have ScoreCard Reward Points to Redeem? Go to ScoreCardRewards.com and enjoy a diverse range of products to choose from: Cashback Credit Gift Cards Charity Gift Card choose from over 1,000 charities to donate money! Gifting to another individual* And don t forget, we also offer merchandise and travel rewards with our ScoreCard program! Come and celebrate MHCU s 58 th Anniversary this year at the Annual Membership Meeting! Date: April 2018 Location: Fayette County Extension Office Light Refreshments: 6 p.m. Meeting: 7 p.m. Tickets will be available at all branch locations in March. Meeting date to be announced. * Some restrictions apply. See scorecardrewards.com for complete details about gifting to another individual MHCU Youth Scholarship MHCU is pleased to announce the return of our annual Youth Scholarship program. Graduating high school seniors are encouraged to apply for the $2,000 award. A total of three winners will be chosen. To qualify, a student must: Be a member of the credit union, Plan to be enrolled full-time in undergraduate study at an accredited college or university in Fall 2018, and Have a minimum grade point average of 3.00 An impartial committee comprised of MHCU volunteers and employees will select recipients. Winning students will be notified before the close of the school year. Deadline for entry is March 31, For more information, pick up a brochure at any of our locations or visit for full details and an application form.

6 Holiday Closings New Year s Day Monday, January 1 Martin Luther King Day Jr. Day Monday, January 15 Presidents Day Monday, February Park Place Lexington, KY Like us on Facebook! Locations and Hours Park Place 440 Park Place Lexington, KY Fax M F 8 a.m. to 5 p.m. M Th 8 a.m. to 5:30 p.m. Fri. 8 a.m. to 6 p.m. Federal Medical Center (FMC) (Employee Access Only) 3301 Leestown Road Lexington, KY Fax M F 8 a.m. to 4:30 p.m. Pimlico 3202 Custer Drive Lexington, KY Fax M F 8 a.m. to 5 p.m. M Th 8 a.m. to 5:30 p.m. Fri. 8 a.m. to 6 p.m. Members Way 2420 Members Way Lexington, KY Fax M F 8 a.m. to 5 p.m. M Th 8 a.m. to 5:30 p.m. Fri. 8 a.m. to 6 p.m. Winchester 339 Shoppers Drive Winchester, KY Fax M F 9 a.m. to 5 p.m. M F 9 a.m. to 5:30 p.m. Lexmark (Employee Access Only) Lexmark Building 003 Lexington, KY M F 8 a.m. to Noon Nicholasville 1039 N. Main Street Nicholasville, KY Fax M F 9 a.m. to 5 p.m. M F 9 a.m. to 5:30 p.m. Visit Us Online. Be sure to check out on a regular basis. Find news, articles and information about your credit union. MHCU Board of Directors Bobby A. Flynn Chairman Jim Allen Vice Chairman Mike Proctor Secretary Manlus Les Burton Treasurer Mike Harding Director Michelle Thomas Associate Director Federally Insured by NCUA Business Lending MHCU offers Business Accounts and Loans! Companies can choose from our Basic and Classic Business Share Draft Checking accounts. We also offer Commercial Real Estate Loans, Corporate Vehicle Loans and Secured Operating Lines of Credit.* For more details on Business Accounts, please contact us at ; for details regarding business loans, contact our Cooperative Business Services partner Sean Riley at or sriley@cbscuso.com. * Minimum loan amount = $50,000. Membership eligibility requirements apply. This publication does not constitute legal, accounting or other professional advice. Although it is intended to be accurate, neither the publisher nor any other party assumes liability for loss or damage due to reliance on this material. Websites not belonging to this organization are provided for information only. No endorsement is implied. Images may be from istock and/or Fotolia Members Heritage