5/5 ARM* today! Dé el primer paso. Obtenga una pre-aprobación para un préstamo para una vivienda hoy mismo! Take the first step.

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1 Second Quarter 2018 Take the first step. Get pre-approved today! Dé el primer paso. Obtenga una pre-aprobación para un préstamo para una vivienda hoy mismo! MARK YOUR CALENDAR All offices will be closed on the following dates: Memorial Day Monday, May 28 Independence Day Wednesday, July 4 (661) Apply For A Kern Schools 5/5 ARM* * Adjustable Rate Mortgage (661) ARM = Adjustable Rate Mortgage. The Annual Percentage Rate (APR), interest rate and principal and interest payment are subject to increase/decrease and will change after the loan is closed due to market-driven changes to the index. This program offers a 5-year fixed initial rate and will change once every 5 years thereafter. Rates are tied to the five-year Treasury Securities. Kern Schools is an Equal Opportunity Lender.

2 MESSAGE FROM Steve Renock President/CEO Having an account at Kern Schools Federal Credit Union is a tradition many Kern County families share. We have Members tell us how their parents or grandparents opened a Rocky Raccoon account for them as children and now are opening these accounts for their children or grandchildren. In fact, our mascot Rocky Raccoon and the accounts bearing his name are one of the most popular features offered by the Credit Union. What better way to teach young people about the virtues of savings and thrift than to open an account for them that is practical and fun too. Thank you for the opportunity to serve you and your families. We ll work hard to earn and keep your trust every day. GETTING YOU BEHIND THE WHEEL! Conduzca el viaje de su vida, con Kern Schools Federal Credit Union. ST. JUDE DREAM HOME Giveaway Win a house and help save kids like Benton Get your $100 ticket today! Ask a Kern Schools team member for details. Last day to purchase tickets at a Kern Schools branch is April 24, 2018 and the giveaway date is April 26, Apply For A Kern Schools Auto Loan Today! Solicite su préstamo para un auto hoy mismo! (661) Voted BEST Financial Institution 23 YEARS IN A ROW! (661) Save up to $15 on TurboTax GET STARTED: Visit ksfcu.org/tax-services-help to save on TurboTax today! #1 best-selling tax software based on aggregated sales data for all tax year 2016 TurboTax products. See TurboTax product guarantees: Intuit Inc. All rights reserved. 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.

3 - Remote Deposit Capture - Kern Schools Card Alerts All Cashiering Team Members are Now TechSpert Certified! Todo nuestro equipo de cajeros están certificados para proveerle apoyo de TechSperts! Let Us Help You With: - Co-Op ATM Locater App - estatements - Mobile Wallet - DataMobile - DataNet UPCOMING COMPLIMENTARY WORKSHOPS At Kern Schools, we are proud to offer a variety of complimentary workshops designed to help you achieve your financial goals. Workshops are open to the public and taught by experts in a specific field. Topics vary and are based on community needs and feedback. Auto Buying Workshop Admin. Office Bolthouse Drive Bakersfield April 10, 2018, Tuesday Forget The Hassles of Cash & Checks! Olivide las molestias de dinero efectivo y cheques! Credit Card From Kern Schools Auto Buying Workshop Delano Regional Medical Center 1401 A, Garces Hwy Delano April 11, 2018, Wednesday La Compra de un Automóvil (Español) Taller Informativo en Español Sucursal 3901 Mount Vernon Avenue Bakersfield Martes, 17 de abril, 2018 Living Trusts and Estate Planning Admin. Office Bolthouse Drive Bakersfield May 17, 2018, Thursday Online Banking/DataNet Lab Admin. Office Bolthouse Drive Bakersfield June 14, 2018, Thursday Apply For A Kern Schools Visa Credit Card Today! Solicite una tarjeta de crédito Visa de Kern Schools hoy mismo! (661) Three Workshops Available: 11:00 a.m. - 12:00 p.m. 2:00 p.m. - 3:00 p.m. 6:00 p.m. - 7:00 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 Why Wait? Unlock the Power of Your Home Today! Introducing The Visa Prepaid Debit Card From Kern Schools Introduciendo la tarjeta de debito Visa prepagada de Kern Schools Por qué esperar? Descubre el poder de su hogar hoy mismo! Apply For A Kern Schools Home Equity Loan Today! Solicite su préstamo Home Equity de Kern Schools hoy mismo! (661) The Kern Schools Visa Prepaid Card gives you the same convenience of a debit card without a checking account. 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 /visaprepaid. Learn More at ksfcu.org/visaprepaid Para Más información, visite (661) 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 ANNUAL 2018 MEETING (661) Jim Hussey Director of Wealth Management T (661) Jim.Hussey@ksfcu.org CA Insurance License #0E24250 Town & Country River Run Thursday, April 19, 2018 Business Meeting 6:00 p.m. RSVP TODAY! (661) Kern Schools Administrative Offices Bolthouse Drive Bakersfield Richard Ramos Financial Advisor I Hablo español T (661) Richard.Ramos@ksfcu.org 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. Don t Gamble With Your Savings! No juegues con tus ahorros! Tasa especial por tiempo limitado. Let your money work for you by earning a higher rate of return with a Kern Schools short-term or long-term Share Certificate. Your money will stay local and help you reach your financial goals. Special (APY) 1 for a Limited Time. 1.25%2 12 Month Share Certificates 3 1.) Annual Percentage Yield. 2.) Minimum opening deposit of $1, ) Early withdrawal penalties may apply. (661)

6 SATURDAY April 28, :30 a.m. - 1:30 p.m Bolthouse Drive (In southwest Bakersfield, off of Buena Vista Road) Recyclables Shred ewaste Bulky Items ( WHAT YOU CAN BRING TO RECYCLE ) BARC Personal Shred - limit of 3 bankers boxes, no business shred. Recyclables - cans, glass, plastics, newspapers, cardboard, books, magazines, telephone books, and paper. ALIANZA Recycling and Recovery, LLC ewaste - computer monitors and towers, computer mice, TV s, DVD players, cell phones, telephones, small appliances, and radios. Bike Bakersfield Gently used bicycles. City of Bakersfield Large unreusable bulky items (broken furniture, mattresses, etc.). For More Information (661) Kern Green Used shoes (shoes will be donated or recycled depending upon condition). Habitat for Humanity, ReStore New and nearly new windows - wood, vinyl, and aluminum Interior/exterior doors - french doors, swing doors, sliders Electrical fixtures, lights, and fans Tubs, toilets, sinks, vanities, and faucets Kitchen cabinets and countertops Working appliances and more! R&S Recycling Non-working appliances Houchin Blood Bank Donate blood and be entered into a drawing to win four (4) annual passes to Universal Studios Hollywood! We are unable to accept Batteries, Light Bulbs & Paint