% Home Equity To-Do List. CRUISING AHEAD! Rates as low as. Rates as low as. APR*** up to 48 months

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1 Home Equity To-Do List. A NEW KITCHEN ADD A DECK COLLEGE TUITION PAY OFF BILLS TAKE A VACATION WEDDING PLANS 1.99% Rates as low as APR ** A home equity loan from American Heritage Federal Credit Union is the smart way to fund your big plans. Keep your payments affordable with our rates as low as 1.99% APR**. Get the money you need today to accomplish more. We offer a variety of loan options. Fixed Rate Home Equity Loans Interest-only HELOCs Gold HELOCs Platinum Fixed-Rate HELOCs It s Easy To Get Started! Call: 844-AMH-LEND Click: AMHFCU.org/HomeEquity Visit: Your Local Branch CRUISING AHEAD! Fall is the perfect time for hitting the road in a new car. If your current vehicle is not quite your dream ride, talk to us about a New or Used Vehicle Loan. We are here to help you get your very best deal when buying and also can add all the extra bells and whistles to assure you stay on the road for years to come. Along with our great rates, we offer: % 1.99 Rates as low as APR*** up to 48 months Online Auto Buying Center GAP Insurance Extended Warranties Auto Insurance Check out our website for complete details on these services. Call: 844-AMH-LEND Click: AMHFCU.org/Auto Visit: Your Local Branch

2 Seminar Schedule Presented by The American Heritage Investment and Retirement Center Social Security Seminar Wednesday, October 12, 2016 at Carriage House Branch, 5:30 PM Topics covered will include a brief history and current state of social security as well as several easy to understand strategies around how to get the most out of your social security benefits. After the seminar you will understand what your benefits are and how to best manage them with your situation. Retirement Income Seminar Saturday, October 15, 2016 at Murano Branch, 3:30 PM This seminar will cover why it is so important to make a plan for your retirement income as well as many of the risks involved and planning opportunities available. There is no one clear formula for retirement income, everyone s situation is different, we will help you understand what your options are and how best to manage them. Women and Investing Seminar Wednesday, October 18, 2016 at New Britain Branch, 5:30 PM There are differences in the ways women and men journey through their lives. Some women focus on a career, while others take time from the workplace for family. As a result, women are paid less on average than men, yet they can expect to live longer. For these reasons, women must prepare and invest more for the future. Learn how to take charge of your financial future through investing. Help achieve financial freedom for yourself and those you love. Are You on Track for Retirement? We Can Help! Call today for details or schedule an appointment 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. Important message: the information contained in this message or any attached document is confidential and intended only for individuals to whom it is addressed. If you got this message in error, please inform me immediately. I may ask you to return the documents at my expense. In general, please simply destroy the information at once. Any unauthorized use, distribution, or copying of this information is prohibited. If you do not wish to receive marketing materials form CUNA Brokerage Services, Inc. ATURDAY, OCTOBER 1st S 9AM - 1PM Carriage House Branch Landsdale Branch New Britain Branch Bellmawr Branch Disclosures: *W hen you work with one of our Better Homes of American Heritage Federal REalty licensed realtors you can earn a Cash Reward. Ask for details. ** A nnual Percentage Rate. Rates for this product are determined by an evaluation of applicant credit, loan-tovalue (LTV) and other factors. Your rate may vary from the rate shown. Rates current as of 9/1/16. Sample Monthly Payment: $28.64 for every $1,000 borrowed at 1.99% APR (Annual Percentage Rate) at 36 months. Annual Percentage Rate for members who choose to make loan payments via payroll deduction or automatic payment from an American Heritage Federal Credit Union account. Annual Percentage Rate is increased by 0.25% without payroll deduction or automatic payment. Payment for home equity loans do not include amounts for taxes and insurance premiums and, if applicable, the actual payment obligation will be greater. Homeowners insurance is required and flood insurance may be required. Rates current as of 9/1/16 are subject to change. ** * A nnual Percentage Rate (APR) for members who choose to make loan payments via payroll deduction or automatic payment from an American Heritage Federal Credit Union account. APR is increased by.25% without payroll deduction or automatic payment. Rates for this product are determined by an evaluation of applicant credit. Rate may vary based on loan type, credit history, term, loan-to-value ratio (LTV), collateral and other factors. Rates current as of 9/1/16 and are subject to change. Sample Monthly Payment: $21.70 for every $1,000 borrowed at 1.99% APR at 48 months. Monthly payment (per $1,000) examples are based on longest term in each range. Your payment may vary. **** A nnual Percentage Rate. The 1.99% introductory rate is effective for the first six billing cycles for qualifying members on purchases, balance transfers and cash advances. After the introductory period expires, your standard APR will be 9.99% for purchases, balance transfers and cash advances. Must have an AMHFCU Savings Account with a minimum balance of $15 to be eligible. The 1.99% introductory rate and 9.99% standard rate applies to the Platinum Preferred MasterCard. Approval for a Platinum Preferred MasterCard depends on creditworthiness and other qualifications. Your rate may vary depending on creditworthiness and other qualifications. Rates and promotions effective as of 9/1/16 and are subject to change without notice. For full details, visit AMHFCU.org/MasterCard. N o purchase necessary. Sweepstakes ends October 31, Legal residents of the United States (excluding NY and FL) who are at least 18. See official rules at any branch location or at AMHFCU.org/Sweepstakes. 24 Hour/7 Day Account Access NYCE ATM Network Contact Center: Phone Teller: OnLine Teller: AMHFCU.org Federally insured by NCUA For a full directory of more than 5,300 Shared Branches and 30,000+ Surcharge-Free ATM s, visit AMHFCU.org Available on the App Store Provides up to an additional $250,000 of IRA Share Insurance ANDROID APP ON

3 September 2016 AMHFCU.org A Newsletter for Members of American Heritage Federal Credit Union We Turn Home Buyers into Hurry! Rates are Super Low! Find out how the right mortgage can get you moving! Whether you re buying a new home or looking to refinance your existing mortgage, your credit union should be the first place you call. We are a full-service mortgage provider. Get started today! Stop by or call today! Visit us online at AMHFCU.org/Mortgages. Home Connection Program Yo u C a n E a r n A CA S H R E WA R D * When You Buy A Home With Us. Ask for details or learn more at AMHFCU.org/RealEstate Whatever s on your wish list M ORTG AG E HO M E EQ U ITY AUTO PE RSONA L MASTE RCA RD If you need the money to turn the things you ve always wanted into a reality, the wait is over... We ve got a loan for that. Get started today l o a n s fo r t h a t. c o m

4 Home Connection Program Buying a home Selling a home Financing a home Helping You Find the Right Home Loan. Whether you re buying a new home or looking to refinance your existing mortgage, American Heritage should be the first place you call. We are a full-service mortgage provider, offering a variety of home financing products and services. We offer: Fixed & Adjustable Rate Mortgages FHA, VA, USDA, PHFA Mortgage Loans Construction Loans Home Improvement Loans Jumbo Loans LOW Rates FREE Pre-Approvals Helping You Find the Right Home at the Right Price. Whether you are in the market to buy or sell your home, come to the people you trust. Better Homes of American Heritage Federal Realty is a full-service real estate agency owned and operated by American Heritage Federal Credit Union. Let us help you: Sell your home Find the right home Negotiate your offer Guide you through the home-buying process Settle quickly, so you can get moving You can earn a Cash Reward* AMHFCU.org BETTER HOMES American Heritage Federal Realty ahfr.com Benefits of our Home Connection Program: FREE Pre-Approvals The path to your new home starts with a fast, FREE Pre-Approval on your mortgage from American Heritage Federal Credit Union. You Can Earn A Cash Reward When You Buy A Home* You can earn a Cash Reward based upon your realtor s commission by using one of our Better Homes of American Heritage Federal Realty agents. Experienced Realtors Our sales team is made up of professionals who are committed to excellence. Local Loan Decisions & Quicker Closings We know the members and communities we serve. This allows us to make faster, betterinformed decisions about your loan. A Track Record of Success American Heritage Federal Credit Union has been meeting the financial needs of its members since Start with a FREE Pre-Approval. Go to AMHFCU.org/mortgage or call today. Pay with your Mobile Device Apple Pay and Samsung Pay are both supported by American Heritage Federal Credit Union. Get Started Today! PECO Branch 2301 Market Street Philadelphia, PA What s Your Credit Score? Every time you apply for a credit card, a mortgage, or even insurance, your application is judged in part by your credit score. Your score is used by lenders to objectively measure your creditworthiness. The higher the score, the more likely you are perceived to make payments. Factors that affect your credit score include payment history, amount of debt you carry, length of credit history, whether you frequently apply for new credit, and your credit mix (credit cards, retail cards, mortgage, personal loans). The best advice is to pay all bills on time and only charge as much as you can afford to pay in full when the bill is due on credit cards and other revolving accounts. As a member of AMHFCU, you have access to your FICO Score for FREE! You can access your montly updated FICO Score through OnLine Teller and Mobile Teller 24/7. We re here to help you with all of your credit and financial planning needs. Sign up for your FREE FICO Score today though OnLine Teller! See back page for all disclosures.

5 It s important to know the balances in your accounts. Tracking your money is just smart. American Heritage has invested in many time-saving financial management tools to make getting those balances a snap. No more calls to make or waiting on the phone. Your balances are at your fingertips anytime you need them. Our Mobile Application even offers a Fast Balances feature that with a swipe you can view the last 5 transactions without even logging into Mobile Teller! How s that for access! ONE LESS CALL TO MAKE! Learn more and sign up today by visiting AMHFCU.org/mobile. Put Our Card In Your Wallet NEW WEBSITE Credit Cards that charge you high interest rates and Annual Fees are no good for YOU or YOUR WALLET. Take a look at your current high interest credit cards and then take a look at AMHFCU s Platinum MasterCard and see how much we can save you each year! You may be able to transfer your balances today and lower your rate and payments. For the First Apply online today at AMHFCU.org Six Months BALANCES ON DEMAND COMING SOON! Rates as low as first 1.99% A PR * * * * Introductor y forsix the months 9.99% A PR * * * * Thereaf ter No Annual Fees ScoreCard Rewards No Balance Transfer Fees AND MUCH MORE! American Heritage is getting ready to launch a Brand New Website in September. The new site will feature a new branded look & feel, easy navigation and adaptive design for seamless viewing on all your mobile and other devices. Details are coming soon! Insurance Protection for What s Important Many members do not realize that American Heritage offers members a variety of tremendous insurance options that can provide you with the peace of mind you desire. We will provide you with the very best coverage at special member pricing. Through our partners, we offer members: Auto Insurance Home Insurance Life Insurance Health Insurance GAP Insurance Mechanical Breakdown Warranties Credit Life and Credit Disability Insurance Accidental Death & Dismemberment Insurance Visit our website AMHFCU.org for details on all our insurance products. If you have questions feel free to give us a call at today. See back page for all disclosures.

6 Frequently Asked Questions What is the best way to obtain my account balances and recent transactions? Our OnLine Teller and Mobile Teller are available at your fingertips 24/7, everywhere you are. Sign-up today! Here s Your Chance to Win $10,000 Pat and Lucy are giving a lucky member $10,000 to Learn more at AMHFCU.org BULLETIN BOARD Event Schedule: Shredder Event Saturday, October 1 st at Carriage House, New Britain, Lansdale and Bellmawr Branches 21st Annual Golf Classic Monday, October 10 th at PineCrest Country Club 101 Country Club Dr. Lansdale, PA Join us for a round of golf, prizes, and a silent auction to raise money for The Kids-N-Hope Foundation. Visit KidsNHope.org for details. Seminar Schedule: Register at AMHFCU.org/Calendar Home Buying Seminar Wednesday, September 14th 6 pm at the Market Street Branch Saturday, October 15th 6 pm at the Carriage House Branch Home Selling Seminar Saturday, September 10th 10 am at the Carriage House Branch Saturday, November 19th 10 am at the Carriage House Branch Holiday Schedule: Monday, September 5, 2016 All offices closed in Observance of Labor Day. Monday, October 10, 2016 All offices closed in Observance of Columbus Day. Stay up to date online at AMHFCU.org/Calendar. PAT & LUCY S $10,000 LOAN SWEEPSTAKES! use to pay off ANY of their American Heritage loans! For more information visit AMHFCU.org/sweepstakes