President s Message: Long-Range Consumer Value And The Newly Reformed p.2. Start Planning For Next Year s Christmas p.2

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1 SUGGESTIONS, TIPS AND INFORMATION TO improve YOUR life WINTER 2015 Truliant.org INSIDE THIS ISSUE: President s Message: Long-Range Consumer Value And The Newly Reformed p.2 Start Planning For Next Year s Christmas p.2 A Message From Your Chief Operating Officer p.3 Getting Your Finances Back In Shape p.3 New Truliant Website Coming Soon p.4 New Rivergate And Harrisburg MFCs Now Open p.4 Customize Your Savings With These Special Accounts p.4 Our Financial Advisors Can Help You Plan For Your Future p Scholarships p.5 e-file With TurboTax And Save p Volunteer Board Elections p Annual Meeting p.6 New Business Partners p.6 Truliant s Promise To You Carving, detaching and moving a 500-ton obelisk from a quarry in one piece could be as formidable as pyramid building for the ancients. The obelisk at Truliant s headquarters, shown above, was crafted from modern building methods and pays tribute to the crafters of these stone pillars. Just like them, we know that making a meaningful impact requires attention to detail at every step. Our relationship with you, Truliant s member-owners, is no exception. We extend a promise to you that we hope is as enduring as the historic obelisk. We ll always keep your best interest at heart to help you build something worth having, strengthen your position and achieve the plans and dreams you ve made for you and your family. For more than 60 years, it s been our mission to enhance your quality of life. We know that there are no shortcuts to ensuring your best financial health, convenience and security. Improving your life isn t just Truliant s brand, it s our purpose for existing.

2 Marc Schaefer President and CEO President s Message: Long-Range Consumer Value And The Newly Reformed It seems that many companies that serve consumers have turned a new leaf as we emerge slowly from the economic crisis. They realize that most consumers now get it. Companies who demonstrate a sincere interest in the well-being of their customers stand a better chance of securing their business than those who use the traditional productpush approach. In short, these companies have tried to hone caring, community and engagement as marketing tactics. I m sure the individuals on the front lines who actually serve the customer are delighted with this direction. After all, we all live our lives in communities with children, friends, neighbors, and co-workers with whom we genuinely want to be connected. There are differences between those organizations that have read the consumer tea leaves and hope to take advantage of an opportunity, compared to those who have a core value system embedded in their very structure. The opportunistic one may change, but eventually may revert back to their less consumer-friendly practices. The consumer may also forget the hard lessons of the recession, its causes and the primary culprits who made them vulnerable, once again, to poor choices. A Federal Reserve Governor recently remarked that the consumer has now recovered a considerable fraction of their lost wealth because of the recovery of the housing market. Interesting how those who drove the subprime mortgage debacle, which led to the economic collapse, seem to have recovered more than fractionally with the help of the U.S. taxpayer. We re even starting to see some of those questionable practices return as some financial institutions reach for even greater profits. LIFE IMPROVED SM Truliant is a member-owned financial cooperative that is driven by our mission to improve our members lives. We have never deviated from this course. Others, who actually participated in creating the crisis, may try to reinvent their brand as consumer-friendly innovators to an inattentive consumer, we work to reinforce our differences in our brand. When difference in products and service derives from structure (member ownership), history (62 years of member focus) and core values (improving member lives), it will always trump repositioning as a marketing tactic. Our members cannot afford to relearn the lessons of the economic crisis. You can t continually rebuild after missteps and still reach long-range goals that include your children s education, a comfortable retirement and helping elderly parents, among others. We all need a predictable partner who has our best interest at heart, today and tomorrow. We all need a predictable partner who has our best interest at heart, today and tomorrow. As we promote our ability to provide relevant guidance and advice for you to make decisions based on your long-range needs, you ll likely sense the difference. We may help you reconsider the size of a mortgage obligation or even a car loan in the context of your overall goals. Or, we may help you decide to reposition savings and investments to achieve better or safer results over time. As you evaluate your personal balance sheet and income statement in the years ahead, we hope you ll credit some of the good decisions to your partnership with Truliant and our talented staff. There is no confusion on our part about the credit union s mission, our role and the measure of our success: members who are making progress towards or have reached their financial goals in life. Start Planning Next Year s Christmas Early Start building your 2015 holiday nest egg with a Truliant Christmas Club account. This account comes with no monthly service charges, no minimum balance requirements, competitive rates and easy access through Online Banking. Balances are automatically transferred to your checking or savings account in November. Safeguard your holiday spending with a Christmas Club account, so you ll have enough for gifts, travel and more.

3 A Message From Your Chief Operating Officer Innovation Drives Convenience For Truliant Member-Owners We hope that you remember 2014 as a year in which we truly gave you, our member-owners, greater access to a better banking alternative. Key among the innovations was a newly introduced branch format that shows Truliant adapting to the current and future needs of our members who expect easily navigable solutions that truly make a difference in their lives. As you enter our new Member Financial Centers, you re greeted with a smile, a cup of coffee if you like, and assistance getting where you re headed. One of the first things you ll notice with our new more member-centric branch design is a contemporary feel to the space. Our new design is about half the size of our other centers, but retains an open airy feel, while maintaining privacy with frosted glass walls separating the offices to enable more in-depth conversations. As you roam, you ll notice digital signage showing more than just the great rates we re offering, such as our community engagement and sponsorship activities. Your branch may be serving as the drop off point for a food drive or offer applications for one of our scholarships or mini grants. We ve removed the traditional feel of the teller wall that once acted as a barrier. We wanted to make your visit a more engaging, collaborative and consultative experience with a service representative who has a universal set of financial skills. This closer, more personal proximity is vital to helping you feel comfortable as you share your needs. It also helps us have a more engaging conversation so that we can better understand your goals to be able to provide you with the right financial solution to improve your life. There are no shortcuts to creating lasting relationships. They re created before, during and after your interactions with our staff. A number of our new locations also include freestanding 24-hour drive-up ATMs. Gone are the days of withdrawing more money than you need. Now, you can get the exact bill denominations you want and see them listed on your receipt, or your check deposit image. For added convenience, these new ATMs even let you deposit up to 50 bills without an envelope. Our soon-to-be-launched website is a key in our evolution to the everchanging environment financial institutions face. It incorporates a responsive design that automatically adapts to tablets and smart phones. Calculators and decision tools help you Todd Hall Chief Operating Officer manage monthly budgets, debt consolidation, credit card payoff or loan amortization and more. You can also access reviews and robust content related to Truliant s convenient products and services that help you achieve your goals. Member-owners can use their mobile devices to unlock a range of services that formerly ate up time and travel. You can deposit a check with your smartphone through EasyDeposit SM. Want to pay your part of the rent? Use Popmoney to send it with a text. Need your account information in a hurry? Get alerts about your account balance through our Tru2Go app. Did we mention that Truliant processes more than 400,000 mobile transactions every month? If you haven t tried it, go to your app store to download our free Tru2Go app and experience the time-saving convenience. Further in 2014, we streamlined the more common financial paperwork of applying for a consumer loan with the incorporation of DocuSign. This service allows you to electronically sign binding loan documents and to gather signatures from other parties that you need, using your computer, tablet or smartphone. Security is ensured through customized questions designed to be answerable only by the true signee. Tamper-proof, unalterable, paperless transactions give you the ability to conveniently store your documents electronically. Now the receipt of your loan funds is no more than an internet connection away. There are no shortcuts to creating lasting relationships. They re created before, during and after your interactions with our staff. By creating dynamic change in the way we interact, we hope to earn your membership for a lifetime and become your financial partner to help you build a strong financial future. The ways to interact with us continue to evolve with technology enhancements, but we will always be here to listen, understand and provide guidance as we stay true to our mission of improving your financial life.

4 Get Your Finances In Shape With Debt Consolidation Healthy finances play a central role in your personal happiness, growth and relationships. In the New Year, Truliant can help you get your finances back in shape with our convenient debt consolidation options. 1 Lower your total payments, pay off bills faster, reach your goals sooner and better manage high-rate credit cards, medical and dental bills or other debts, so you can get your budget back on track. We offer: Visa Credit Cards Personal Convenience Loans Home Equity Loans and Lines of Credit Refinancing options also available Manage your debt with Truliant as you explore possibilities for the New Year. Stop by your local Member Financial Center, call us or visit Truliant.org/DebtConsolidation to get started today. (1) Loans are subject to credit approval. Truliant s New Easy-To-Use Website Is Coming Soon Our new website has essential tools that can make a big impact in your financial life. This website will offer all the easy-touse functionality you deserve, along with a responsive design that adapts to tablets and smartphones. Your new Truliant website will feature online calculators and decision tools to help you manage monthly budgets, debt consolidation, credit card payoff, loan amortization and more. Access member reviews and robust content on our convenient products and services. Now you can focus on what really matters. Watch for Truliant s new website in early Visit Our New Rivergate And Harrisburg Locations Rivergate Member Financial Center Harrisburg Member Financial Center RiverGate Shopping Center School House Commons Shopping Center Rivergate View Drive, Suite Highway 49 South, Suite 560 Charlotte, NC Harrisburg, NC Our newest locations will positively impact member-owners through financial guidance, compassion and understanding. Stop by our newest Member Financial Centers today! Stay tuned in the coming months for additional Member Financial Center openings in your area. Customized Savings With Rainy Day And Save Your Way Accounts Saving money for the unexpected is not always easy. We offer special accounts 2 that let you customize your savings plans. Truliant s Save Your Way account lets you select savings amounts from $1.99 to $20 that move from your checking account into this account. There s no cap on the balance, so you can add more money to your account whenever you want! Or, try saving your daily change everything to the right of the decimal on your checking account balance with our Rainy Day savings account. This account offers an easy and unique way to build your balance automatically that truly adds up. (2) The following services are required to open this account: A preferred line of credit or ChecProtect SM ; Online banking or RSVP Phone Teller; A Truliant checking and savings account.

5 Plan For Your Future With Financial Advisors At Truliances Financial planning is never easy. The Financial Advisors at Truliances are here to help you achieve financial goals that can improve your life. Our salaried professionals do not earn commission by selling products, which means your well-being is our top priority. Whether it s saving for college or retirement, planning investments or buying insurance to protect the ones you love, our advisors want to build your trust and develop a lasting relationship that can help: Restructure and rebuild your savings Address your current needs, concerns and situations Make the right decisions for your long-range financial goals By providing financial experience and knowledge, the Financial Advisors at Truliances can help you meet your ever-changing financial needs. Visit Truliant.org to learn more. FR , Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. CUNA Brokerage Services, Inc., is a registered broker/dealer in all fifty states of the United States of America. Don t Miss Out On Truliant s 2015 Scholarships Need a little extra help paying for college? Truliant is awarding educational scholarships to member-owners who are entering an accredited two- or four-year college or university. Scholarship applications will be available online at Truliant.org/Scholarships beginning January 5, Applications must be completed and received no later than February 27, 2015 to be considered. Apply for a Truliant scholarship today! Use TurboTax to File In 2015 And Save As your 2014 W-2s arrive, make plans to get the refund you deserve. Prepare, print and e-file your simple federal return for free to save time, money and simplify the process of completing your tax return. TurboTax provides you with a range of options from a simple tax return to a complex small business return and offers these benefits: Maximum refund you deserve Audit Support Center download Help and advice available online, with answers to your questions 24/7 Refund in as few as eight days when you e-file with direct deposit After you re finished filing your return, we have options to put your tax refund to work that include customized savings plans, club accounts, or financial planning for the future. Or, if you owe money, Truliant offers personal convenience loans to meet your short-term financial needs. Start your return today by logging into Online Banking and choose the TurboTax option.

6 As A Member-Owner, YOU Have a Voice Truliant is a not-for-profit financial cooperative where all members have equal ownership and one vote regardless of how much money they have on deposit. While banks are accountable to a few large stockholders, credit unions are democratically operated organizations governed by a volunteer board of directors, elected by your vote. Our election process takes place January 2 to February 9, We offer three easy ways to vote: Mail-in ballot included in your December account statement Online at Touch-tone telephone by calling We encourage you to participate in this important aspect of your credit union membership! Annual Meeting Reminder Our 2015 annual meeting will be held Monday, April 27, 2015, at 7 p.m., at our headquarters at 3200 Truliant Way in Winston-Salem, N.C. Welcome To Our Newest Truliant At Work Partners Billy Graham Evangelistic Association Watson Enterprises International LLC The Charlotte Observer LeBrand/Pass & Seymour MAIL: Truliant Federal Credit Union P.O. Box Winston-Salem, NC Contact Us: Charlotte, NC Greensboro/High Point, NC Winston-Salem/Kernersville, NC Richmond, VA Other Areas Certificates & IRA Certificates APY 1 3 to 36 months $250 - $4, % % $5,000 - $24, % % $25,000 - $99, % % $100, % % Consumer Loans APR 2 Preferred Line of Credit...as low as 6.50% VISA... as low as 8.15% New Car/Truck... as low as 1.74% Used Car/Truck... as low as 2.14% Used Car/Truck...as low as 3.64% Home Equity Line of Credit (HELOC) 3 Variable....as low as prime minus 0.25% Fixed Rate Mortgage APR 2 15-Year Fixed % 20-Year Fixed % 30-Year Fixed % Adjustable Rate Mortgage (ARM) APR 2 3/1 ARM % 5/1 ARM % 7/1 ARM % Rates are accurate as of 12/12/14 and subject to change. (1) Annual Percentage Yield (APY). Penalties may be imposed for early withdrawal. Fees or other conditions could reduce earnings. (2) Annual Percentage Rate (APR) may vary and is subject to credit approval. (3) HELOC periodic rate not to fall below 3.25% or exceed 18% for a plan with a loan-to-value of 85% or less. Available in FL, GA, NC, OH, SC, TN and VA. WebSite: Truliant.org SOCIAL MEDIA: upcoming Holidays Truliant Federal Credit Union will be closed on the following days: New Year s Day Thursday, January 1 President s Day Monday, February 16 Memorial Day Monday, May 25 Truliant is federally insured by the National Credit Union Administration and is an Equal Housing Lender.