Keynotes. This Spring Auto Loan Financing! Here s How! 1% APR* less than our regular posted vehicle loan rates.

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1 Keynotes First Quarter 2012 This Spring On Auto Loan Financing! Here s How! Are you looking for a new or pre-owned car, truck, or van? Let Atlanta Postal Credit Union (APCU) help you buy the vehicle you want and deserve with our spring loan rate sale happening now. Finance your new or pre-owned vehicle purchase through June 30, 2012 and enjoy an excellent financing rate from Atlanta Postal Credit Union that is 1% APR* less than our regular posted vehicle loan rates. This means you can finance a vehicle loan with us at a rate as low as 1.75% APR**! Have you already purchased a new-to-you vehicle and financed with another financial institution? No problem! You can refinance that vehicle loan with APCU and receive our special, discounted vehicle loan rate, too! Applying is easy! Just call one of our friendly and knowledgeable Loan Service Representatives, 24/7, Toll-free at (800) , or stop by and visit us at any one of our branch locations and get your application started today. Applications are also available online at by clicking on the Minute Money Loan icon. This offer ends June 30, 2012, so don t delay! Contact Atlanta Postal Credit Union and we ll get your vehicle loan application started right away. Shop with the confidence you deserve by pre-qualifying for your new or pre-owned vehicle loan with APCU. We can help you figure out how much money you can reasonably afford to spend and how much your payments will be. And, thanks to our spring vehicle loan rate sale, owning a new-to-you vehicle has never been more affordable. *APR Annual Percentage Rate. ** Loan rate is quoted as an Annual Percentage Rate and is subject to change without notice. Rate example quoted is for a 2008 and newer model year auto with a 48-month repayment period. Additional rates and terms are available. Ask for details. Rates shown are the lowest available for the listed term as of March 31, All loans are subject to approval of credit. Your actual rate is based upon your credit history. APCU is an Equal Opportunity Lender. Vehicle loan rate reduction offer may not be combined with any other offers made by APCU. Delivering exceptional service to U.S. Postal Service employees and their families since 1925.

2 APCU VISA Platinum Credit Card: The Perfect Vacation Companion Planning a vacation or weekend getaway? Whether you have a peaceful vacation or a fun-filled family getaway in mind, make sure to plan your next vacation using your Atlanta Postal Credit Union (APCU) VISA Platinum Credit Card. We ll award you one Bonus Point for every dollar you spend using your Atlanta Postal Credit Union VISA Platinum Credit Card*. Bonus Points can be redeemed for brand name merchandise and exciting travel rewards. And, when it comes to travel, APCU s VISA ScoreCard Rewards program has something for every preference and every Bonus Point level. Choose from categories like hotels, airfare, rental cars, cruises, and much, much more! Plan your next vacation using your APCU VISA Platinum Credit Card and start earning valuable points right away! To learn more about the many, great benefits of an APCU VISA Platinum Credit Card, simply call our VISA Card Services Department Toll-free at (800) Call Today *APCU Home Equity Lines of Credit, business, association, and organizational accounts are not eligible to participate in VISA ScoreCard Rewards program. Personal Identification Number-based (PIN) transactions and cash advances do not earn Bonus Points.

3 Platinum Advantage Checking Everything You ve Ever Wanted In A Checking Account And More! Are you 55 years of age or better? If so, we have just the checking account for you! Platinum Advantage Checking. Atlanta Postal Credit Union s Platinum Advantage Checking Account has all the benefits of a regular Checking Account and more. With a Platinum Advantage Checking Account, there is no minimum balance or direct deposit requirement to avoid a monthly service charge. And, you can open a Platinum Advantage Checking Account with as little as $25 and earn monthly dividends on every dollar on deposit in the account. Do you enjoy saving money? With a Platinum Advantage Checking Account, there is never a per check charge. You can write as many checks as you need, up to your available balance, at no additional cost to you. We ll even supply you with unlimited Pride of Membership or Eagle style personalized checks each year.* What s more, you can receive images of your cleared checks on your monthly statement for free with a Platinum Advantage Checking Account.** Some additional money-saving, special features of Platinum Advantage Checking include: Free VISA Debit Card with ScoreCard Reward Bonus Points and unlimited free point-of-sale transactions Free Internet Branch access Free KeyTeller Audio Response Unit access Free unlimited Bill Pay and Presentment service Switching to a Platinum Advantage Checking Account is easy. If you currently have a regular Share Draft Checking Account with APCU, it is not necessary for you to change your current APCU Checking Account number or order new checks. In addition, any other services you are currently using in connection with your checking account will remain in effect. To open a Platinum Advantage Checking Account, or upgrade your current APCU Checking Account to a Platinum Advantage Checking Account, simply visit any one of our branch locations or call us at (404) or Toll-free at (800) to speak with a Member Service Representative. Additional information on Platinum Advantage Checking is also available on our Web site at * One box of Pride of Membership or Eagle style personalized checks per order, unlimited orders per year. ** Some images are not available for check image production. Call for more information.

4 Don DeCinque President/CEO s Message On January 28, 2012, APCU hosted its 87th Annual Meeting. We were pleased to welcome over 850 members to the meeting. We were fortunate to have had a beautiful spring-like day sunny, cloudless blue skies and warm certainly not a typical January day in Georgia. In our reports to the attendees we noted that 2011 was another year of financial turmoil as the economy remained unsettled and interest rates hit lows not seen since the Great Depression. While the credit union felt its share of the impact from this ongoing economic downturn, we reported that Atlanta Postal Credit Union recorded another year of solid performance. Despite the downturn, APCU ended the year with assets over $1.9 billion and served the financial needs of almost 100,000 members. As part of APCU s extensive Youth Program, each year we join thousands of credit unions nationwide to celebrate National Credit Union Youth Week. While Youth Week runs from April 22nd 28th this year, at APCU, we ll be celebrating Youth Month during the entire month of April! The theme for 2012 is Be a Credit Union Super Saver!, and we invite you and your youngster(s) to be part of the celebration. Here s how: Simply make a deposit of $25 or more into an existing youth account, or open a new youth membership anytime during April Every young member who makes a $25 or more deposit to his/her APCU account during Youth Month will receive a super saver bracelet with a special message from the credit union.* It s that easy! Every member counts at APCU, and our young members are no exception. Please join us as we celebrate Youth Month, April 1, 2012 through April 30, 2012, by introducing all the members of your family, including those 24-years old and younger, to the benefits of credit union membership. Remember, credit union membership is a gift only you can give and it lasts a lifetime. For more information, contact us at (404) or Toll-free at (800) * One super saver bracelet per Primary Share Account. Primary account owners must be between the ages of Deposits must be received and posted to the account between April 1, 2012 and April 30, In the face of the challenging environment today, the credit union remains well capitalized, with an average capital ratio that is considerably higher than that which is required by regulators. This means that the credit union is well positioned to do what we do best: help people in times of need. In normal times, the difference between credit unions and other players in the financial marketplace isn t quite as obvious to most people. In the current economy, the credit union difference becomes more apparent. While other financial institutions focus on what is best for stockholders, the credit union continues to demonstrate its commitment to helping members realize their financial goals. Whether those goals include reducing debt, buying a new or pre-owned vehicle, purchasing a new home or vacation home, saving for higher education, or planning for retirement; APCU stands ready and able to assist members through every major event in their lives. The Board of Directors, volunteers, managers, and staff remain dedicated to keeping APCU a safe, sound, and strong credit union. We want you to feel confident that APCU will always put your best interests in the forefront. The year 2011 demonstrated once again that the values upon which Atlanta Postal Credit Union was established long-term stability, fiscal strength, integrity, and service excellence remain a solid foundation for growth regardless of the economic climate. We thank you for your business and the opportunity to serve you and your family.

5 Name: Member #: Loan Application Please Print D.O.B. S.S. # Address: City: County: State: Zip: Home Phone: ( ) Work Phone: ( ) Purpose of Loan: Amount Requested: Approx. Term: Security Offered: You elect the following single credit disability Yes No insurance coverage(s): single credit life Yes No Employer: Address: joint credit life Yes No City: State: Zip: Position: Income (current): Additional Income: Source: Total Current Annual Income: Length of Employment: Debts Lender Balance Payment Mortgage/Rent 2nd Mortgage Auto Branch Listing MAIN OFFICE 3900 Crown Road Atlanta, GA (404) FAX DECATUR BRANCH 520 W. Ponce DeLeon Avenue PO Box 803 Decatur, GA (404) FAX NORTH METRO BRANCH Real Estate Department Business Lending Department 1605 Boggs Road (Duluth) PO Box North Metro, GA (770) FAX NETWORK DISTRIBUTION CENTER BRANCH (formerly Bulk Mail Center Branch) 1800 James Jackson Pkwy, NW Atlanta, GA (404) FAX IBEW BRANCH 501 Pulliam Street, Suite 350 Atlanta, GA (404) FAX MACON BRANCH VISA Department 515 Mulberry Street, Suite 100 Macon, GA (478) FAX Drive-Up Window Service (this location only) Monday-Friday 9:00 AM - 4:30 PM SOUTH DEKALB MALL BRANCH 2801 Candler Road, Suite 81 Decatur, GA Hours of Lobby Operation (this location only) Monday-Friday 9:00 AM - 7:00 PM Auto Total Payment Options (check one): Deduct monthly from Savings Checking CONTACT US (404) (800) Hours of Lobby Operation - Monday-Friday 9:00 AM - 4:30 PM Telephone Service - Monday-Friday 8:30 AM - 5:00 PM 24-HOUR LENDING CENTER (800) Payment date requested: Deduct biweekly from Savings Pay direct by mail or in person Checking I understand that the credit union will retain this application whether or not it is approved. The credit union is authorized to check my employment history and credit report. VISA CARD SERVICES (800) Member Services (800) Lost or stolen card assistance only Web Site: General Info@apcu.com Signature: For a mortgage application, call (770) or Toll-free (800)

6 Dividend News APCU paid a quarterly share dividend of.746% with an Annual Percentage Yield of.75% for the first quarter. Dividends are compounded and credited to your account quarterly. Dividends will be computed by applying a periodic rate to the balance in the account for each day of the dividend period. Deposits begin earning dividends on the day of deposit. If you close your share account before dividends are paid, you will not receive the accrued dividends. No dividends are paid on balances below $50.00 except on youth accounts. Board of Directors Moses M. Spence, Chairman Royce L. Jackson, Secretary Katherine S. Brown Donald A. DeCinque David Disharoon Roy L. Matthews J.T. Middlebrooks H. Preston Mulkey Bud Wilkinson Sam B. Dowdy - Director Emeritus Supervisory Committee H. Preston Mulkey, Chairman Robert L. Harris, CPA Herbert W. MacNabb Roy L. Matthews Jabo Patterson Credit Committee Katherine S. Brown, Chairman George Lamar Pat Little J.T. Middlebrooks Roy G. Rainwater Holiday Closing Dates Memorial Day Monday, May 28, 2012 Independence Day Wednesday, July 4, 2012 Labor Day Monday, September 3, 2012 APCU Statistics (as of February 28, 2012) Assets: $1,982,945,475 Members: 100,072 APCU Loan Rates This information is accurate as of the effective date listed below. The terms may change after that date. Please call us at (800) or (404) for additional information. New and Used Auto Loans 2008 and newer $25,000 and over 2007 and older Other Collateral Loans* $35,000 and over Personal Loans Share or Certificate Secured** 100% of balance on deposit Partially Share Secured*** 75% of balance on deposit 50% of balance on deposit 25% of balance on deposit 75% of balance on deposit 50% of balance on deposit 25% of balance on deposit Rates are current as of March 31, 2012 * Other Collateral: Motorcycles, Personal Watercraft, Recreational Vehicles, Campers, Boats, Motor-homes, Travel Trailers, and Farm Equipment. ** Share Secured: The APR will be the dividend rate paid on regular shares the previous quarter (Index) plus the percentage shown in the % Above Index column above. If there is an existing balance on the date of the new advance, the existing balance will be added to the new advance and the entire amount will be at the new APR. The rates are subject to change quarterly on the 1st day of January, April, July, and October to refl ect any change in the Index. Any increase in the APR will result in more payments of the same amount until what you owe is repaid. ** Certificate Secured: The APR will be the dividend rate being paid on the Certificate offered as security (Index) plus the percentage shown % Above Term Discount Index 36 mos. 60 mos. 72 mos. 60 mos. 60 mos. 120 mos. 36 mos. 36 mos. 2.00% 36 mos. 1.50% 36 mos. 1.00% 2.00% 1.50% 1.00% 2.00% Annual Percentage Rate (APR) 2.75%-11.25% 2.75%-11.25% 3.00%-11.50% 3.75%-12.25% 5.00%-13.50% 5.50%-14.00% 6.50%-13.50% 7.00%-14.00% 7.75%-14.75% 8.40%-15.40% 8.90%-16.90% in the % Above Index column above. The Certificate must either be renewed until the advance is completely paid or be rolled over into a share account, at which point the advance will become a Share Secured advance and be subject to those terms. Failure to renew the Certificate or roll it over to a share account will result in default under the Plan. When the Certificate is renewed, the APR will change to reflect the new dividend rate. Any increase in the APR will result in more payments of the same amount until what you owe is repaid. The present APR and daily periodic rate for certificate secured advances will be disclosed on the voucher at the time of the advance. *** Partially Share Secured: The Annual Percentage Rate will be the Personal Loan rate for which the applicant qualifi es minus the discount percentage shown under the Discount above. Payment example: Estimated monthly payment on a 36-month loan at 3.99%=$30.00 per $1, borrowed.