LOVE 1.99 % APR 1 FALL IN. Rates As Low As NO PAYMENTS FOR 90 DAYS! 2

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1 Fourth Quarter 2017 FALL IN LOVE With Our Used Same As New Auto Rates! October 13 th - 23 rd Enamorase de nuestras tasas para autómoviles usados igual a nuevos! MARK YOUR CALENDAR All offices will be closed on the following dates: Columbus Day Monday, October 9 Thanksgiving Day Thursday, November 23 Christmas Day Monday, December 25 New Year s Day Monday, January 1 (661) % APR 1 Tasa bajas hasta NO PAYMENTS FOR 90 DAYS! 2 SIN PAGOS POR 90 DÍAS! 2 Rates As Low As 1 APR = Annual Percentage Rate. The 1.99% APR reflects a 0.25% discount for maintaining Automatic Transfer Payments from a Kern Schools Federal Credit Union account. Rates may differ depending on Member s qualifying criteria. Rates are effective 10/13/ /23/2017 and are subject to change without notice. 2 No payment for ninety (90) days available when auto purchase is financed with Kern Schools. Interest continues to accrue during the ninety (90) day deferral period. Kern Schools is an Equal Opportunity Lender.

2 MESSAGE FROM Steve Renock President/CEO What makes a credit union different from a bank? Don t we both have very similar products and services? The biggest difference is that all credit unions are structured as not-for-profit cooperative institutions. There are no third party stockholders that need to be satisfied with dividend payments. Everyone who joins a credit union becomes a member/ owner, and they are the ones who are the sole focus of the way the credit union operates. Emergency Roadside Assistance Whether it s a flat tire or a dead battery, have peace of mind knowing you re covered for three assists (tows, lockout protection, and other services) up to $80 each, per membership year. Makes Cents Checking Enjoy These Benefits Everywhere Cash Savings Saving has never been easier! Earn cash back when you shop online through the Everywhere Cash Savings website, or select from a wide variety of coupons to use in-store. Everyday Rebate Rewards Get rewarded by purchasing items you use every day! Get 10% back, up to $10 per quarter, just for sending us your receipts. That s up to $40 each year! A credit union s board of directors are volunteers. That means they receive no compensation for their service, even though they have the same fiduciary responsibilities as a director of a for profit business. Another benefit of using Kern Schools Federal Credit Union is we are truly local. All decisions on loans and operations are made right here in Kern County. Even though we have over 150,000 Members, we get to know many of you on a personal basis. And when you have an issue that needs to be addressed face-to-face, we are right here to meet with you. You don t have to wait for a decision on any matter to come from North Carolina or New York. Everyone at Kern Schools works very hard, every day to be responsive to our Member s needs. It takes our team working with you, our Members, to make a great organization. Thank you for your loyal Membership. Remember Together, we have something special. Monthly service fee waived * when you: Sign up for monthly direct deposit Enroll in estatements Conduct twelve (12) or more debit card transactions per month** *Members who do not meet the eligibility requirements above can take advantage of this checking account for only $5 per month. **PIN or signature point of sale (POS) transactions, non-atm transactions based on posting date will count toward this monthly qualification. (661) Checking Monthly service fee waived * when you: Maintain a monthly direct deposit to the account; OR Conduct any combination of twelve (12) or more debit card or electronic debit transactions**; OR Maintain an average daily balance of at least $5,000 in the checking account. (661) (661) *Members who do not meet the eligibility requirements above can take advantage of this checking account for only $5 per month. **PIN or signature point of sale (POS) transactions, non-atm transactions based on posting date will count toward this monthly qualification.

3 Introducing The Visa Prepaid Debit Card From Kern Schools Don t Pay at the Pump! Introduciendo la tarjeta de debito Visa prepagada de Kern Schools No Pague en la pompa de gasolina When you do so, thieves may be watching you! Cuando lo haces, los ladrones pueden estar observándo! The Kern Schools Visa Prepaid Card gives you the same convenience of a debit card without a checking account. One of the latest ploys being used by fraudsters is known as skimming. This new age, technologically advanced way of theft targets gas station pumps. In this, a skimming device is inserted at the pump in order to record card numbers on a memory chip. Once the skimming device is removed, the data is downloaded giving fraudsters your card information. To protect yourself against skimming, please be sure to pay inside the gas station and not at the pump. Load funds, including your paycheck, onto the Kern Schools Visa Prepaid Debit Card via direct deposit and eliminate costly check cashing services. Once loaded, the card can be used for regular transactions as well as cash withdrawals at ATM s. There is a $4.95 per month account maintenance fee. For additional fees and charges visit For more information on how to protect yourself against fraud, visit ksfcu.org! Learn More at ksfcu.org/visaprepaid Para Más informacion, visite UPCOMING COMPLIMENTARY WORKSHOPS (661) Now Open Artisan Square Branch ya Abrimos nuestra sucusal as 1341 Allen Road Auto Buying Workshop Kern Schools Administrative Offices Bolthouse Drive Bakersfield Tuesday, October 17, :00 p.m. - 7:30 p.m. La Compra de un Automovil - Taller Informativo en Español Delano Regional Medical Center 1401 Garces Hwy Delano, CA jueves, 19 de octubre, :00 p.m. - 7:30 p.m. Trust Services and Estate Planning Workshop In order to better serve you, our Rosedale Branch has relocated to 1341 Allen Road in the Artisan Square Shopping Center. For more information, visit ksfcu.org or call (661) Drive Up Service ATM Available Safe Deposit Boxes Branch Hours: M-Th 9am to 5pm I Fri 9am to 6pm I Sat 9am to 1pm Kern Schools Administrative Offices Bolthouse Drive Bakersfield Tuesday, November 7, :00 p.m. - 7:30 p.m. RSVP TODAY! RESERVE SU LUGAR HOY MISMO! or call (661) $100 CASH REWARD WITH EVERY NEW LINE It s Sprint s best Credit Union Member Cash Rewards offer ever another BENefit of membership! Visit LoveMyCreditUnion.org/Sprint to calculate your cash rewards.

4 Make The Journey Easier With Kern Schools! Haga la ruta más facil con Kern Schools! Now Available Ahora Disponible Loans in cash up to $2,500 Build good credit. No credit history needed. Apply For A Kern Schools Mortgage Loan Today! Solicite su préstamo para una vivienda hoy mismo! WHY BUY A HOME? For most people, buying a home is the biggest financial purchase they will ever make. Deciding to buy a home, however, is more than just financial in nature. Indeed, owning a home allows you to better control and secure your living environment, upgrade and make changes as you see fit, and plant roots in our community. Let Kern Schools guide you through the home buying process! (661) Préstamos en efectivo hasta de $2,500 para crear buen crédito, sin necesidad de historial crediticio Apply for a loan at one of our branches today! Empieza tu solicitud hoy en una de nuestras sucursales! California loans made by Lendify Financial LLC pursuant to a Department of Business Oversight California Finance Lenders Law License. Kern Schools Federal Credit Union is not affiliated with Lendify. The information provided is for informational purposes only and should not be treated as an endorsement. Kern Schools is providing this information as a Member service and will not be liable for any services performed. Préstamos en California ofrecidos por Lendify Financial LLC conforme al Department of Business Oversight California Finance Lenders Law License. La información brindada es sólo para fines informativos solamente y no debe interpretarse como una aprobación. Kern Schools está brindando esta información como un servicio para sus socios y no será responsable de ninguno de los servicios realizados. OFFICE HOURS Artisan Square Buena Vista Delano Downtown Ming Mt. Vernon Panama River Run Town & Country Tehachapi Home Loan Center 1341 Allen Road 3300 Buena Vista Road, Ste. J 1828 Cecil Avenue, Ste. A & B 2424 Chester Avenue 4530 Ming Avenue 3901 Mt. Vernon Avenue 5001 Panama Lane 6101 Coffee Road 8200 Stockdale Highway, Ste. P 821 Tucker Road, Ste. A & B 4530 Ming Avenue DEPARTMENTS Contact Center (661) / (800) Business Services (661) / (866) DataVoice (661) / (800) Home Loan Center (661) OFFICE HOURS Monday - Thursday 9:00 a.m. - 5:00 p.m. Friday 9:00 a.m. - 6:00 p.m. Saturday 9:00 a.m. - 1:00 p.m. Downtown and Town & Country are closed on Saturdays. Tehachapi Monday - Friday 10:00 a.m. - 6:00 p.m.

5 Jim Hussey Director Of Wealth Management T (661) Jim.Hussey@ksfcu.org CA Insurance License #0E24250 Town & Country River Run (661) Richard Ramos Financial Advisor I Hablo español T (661) Richard.Ramos@ksfcu.org HOME SWEET LOAN Go Ahead and Dream Big! Adelante y sueña grande con un dulce prestamo para la vivienda. CA Insurance License #0F03683 Panama Mt. Vernon Buena Vista Delano Patrick Bailey Financial Advisor T (661) Patrick.Bailey@ksfcu.org CA Insurance License #0E55105 Ming Artisan Square Downtown Tehachapi Express Schedule An Appointment Today! *Securities offered through LPL Financial, member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. Kern Schools Federal Credit Union and Kern Schools Wealth Management Investment and Insurance Services are not registered broker/dealers and are not affiliated with LPL Financial. The investment products sold through LPL Financial are not insured Kern Schools Federal Credit Union deposits and are not NCUA insured. These products are not obligations of Kern Schools Federal Credit Union are not endorsed, recommended or guaranteed by Kern Schools Federal Credit Union or any government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible. Apply For A Kern Schools Home Equity Loan Today! Solicite su préstamo Home Equity hoy mismo! (661)

6 All Cashiering Team Members are Now TechSpert Certified! Todo nuestro equipo de cajeros están ahora certicados para pro veerle apoyo de TechSperts! Important! Operational Updates Change-in-Terms Notice Important Changes to Your Account Agreement As of August 1, 2017 The following is a summary of changes that are being made to your About Your Credit Union Accounts (Truth in Savings Disclosure and Electronic Fund Transfer) Disclosure and Agreement. These changes will impact your account as follows: Let Us Help You With: About Our CentsAble Checking Account Rate Information This is a non-dividend earning account. - Remote Deposit Capture - Kern Schools Card Alerts - Co-Op ATM Locater App - estatements - DataMobile - DataNet - Mobile Wallet Minimum Balance and Deposit Requirements The minimum deposit for you to open a CentsAble Checking Account is $ You will be assessed the monthly service fee of $5.00, if the following criteria is not met: Maintain a monthly direct deposit into the Account; OR Must conduct a minimum of twelve (12) PIN or signature point of sale (POS) check card transactions (excludes ATM transactions) or Electronic Funds Transfers (EFT) debit transactions per month; OR Must maintain an average daily balance of $5,000 or greater in the CentsAble Checking Account. Account Limitations This account has unlimited check writing with no per check charges. Options to Meet Your Needs. Opciones para satisfacer sus necesidades. 8/01/2017 NOTARY UPDATE Kern Schools continues to have a strong partnership with Chain I Cohn I Stiles, entitling you to obtain free legal consultation as well as reduced fees for their services. Please know, effective January 1, 2018, notary services will no longer be available through the firm. All other benefits offered through this group legal service will remain intact. Credit Card From Kern Schools Save on TurboTax the smarter way to get your biggest possible refund TurboTax translates taxes into simple questions about your life so you don t need tax knowledge to get your maximum refund, guaranteed. Apply For A Kern Schools Visa Credit Card Today! Solicite una tarjeta de crédito Visa de Kern Schools hoy mismo! (661) See TurboTax product guarantees: Intuit Inc. All rights reserved. Limited time offer for TurboTax Terms, conditions, features, availability, pricing, fees, service and support options subject to change without notice. Intuit, TurboTax and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries. Other parties trademarks or service marks are the property of their respective owners.