Money Matters MONEY MATTERS. your new card E. Access your accounts anytime! ACTIVAT. The Simplicity You Want. The Security You Value.

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1 MONEY MATTERS The Simplicity You Want. The Security You Value. your new card E! At First Credit Union, the security of your accounts is of upmost importance. Your Visa debit card is a convenient gateway to your checking account.we re committed to making your debit card purchases as secure as possible. First Credit Union Visa cards feature chip technology for added security. When you use your card at a chip-activated terminal, the embedded chip creates a unique, one-time use code for each transaction to be authenticated so it s virtually impossible to replicate in a counterfeit card. Check out with ease. Simply insert your card in a chip-activated terminal, follow the prompts and remove your card when the transaction is complete. A newsletter for First Credit Union members. July 2017 It s easy to pay at a chip-enabled terminal: the chip end 1 Insert of the card into the chip-enabled terminal with the chip facing up. Enjoy global acceptance. More places than ever now accept chip cards. Whether you check out using chip technology or swipe your card, you can pay with confidence worldwide. the card in the 2 Keep terminal throughout Processing... the transaction and follow the prompts on screen. If you remove your card too soon, your purchase will be canceled. Frequently Asked Questions Q: Why am I receiving a new card? A: Your card now includes chip technology. It provides an enhanced level of security as well as global acceptance. Q: What should I do with my old First Credit Union Visa card? A: Your new chip-enabled First Credit Union Visa card replaces your existing card. Once you activate your new chip card, please destroy your existing non-chip card for security reasons. Q: How do I activate my new chip card? A: Activate your new chip card online ActivateMyCards.com, call toll-free at (800) , or call collect outside the US or Canada at (206) Fun Facts Money Matters ACTIVAT your card 3 Remove when prompted and take your receipt. See how easy it is to use a chip-enabled terminal. Watch a video that demonstrates the new checkout process using your chip card when you visit LEARN at firstcu.net and click on EMV Chip Cards. EMV is short for EuroPay, MasterCard, and Visa, which are the three companies that created the original chip technology standard. They Say Timing Is Everything... Holiday Closure Access your accounts anytime! firstcu.net Our branch locations will be closed on Tuesday, July 4, 2017 in observance of Independence Day. Short code (Register your device at firstcu.net) ATM > (480) T he time is now. Bring all of those ideas you ve noodled around in your head for months or maybe even years to light - Make it happen! With home values on the rise, now is a great time to consider or reconsider a home equity loan. Turn your home s equity into cash and use it for: Home improvements Debt consolidation College expenses with any of these logos: Mailing Address: P.O. Box 820, Chandler, AZ /7 Phone Center: (480) (800) Download our app! 2017 All rights reserved First Credit Union The best part is your interest payments on a home equity loan are usually tax deductible, but always check with your tax advisor for details. Home equity loan or HELOC what s the difference? With a home equity loan you receive the entire loan amount at once and repay it over time. A home equity line of credit, or HELOC, is a revolving credit line and you can borrow funds as needed. Both are secured by the deed of trust on your home. Get started today! Call (480) or (800) outside the Phoenix area to speak with a home loan specialist who can help you choose the Home Equity Loan that s right for you.

2 MONEY MONEYMATTERS MATTERS Updated, Improved and Oh-So-Easy to Use Mobile Banking App First Credit Union Pays For A s! We ve been very busy the past few months perfecting an enhanced mobile app experience. We re really excited about the new features increased security with Touch ID (iphone only), My Budget money management tool built in and a reimagined look with a bold and bright feel that we think is just... well, sunny! All of this to make our app better, more secure, and oh-so-easy to use. Education is the foundation for your future. First Credit Union supports the importance of working hard to get a good education. We want to reward our K-12 members for their efforts. Get rewarded for your hard work with our Great Grades Rewards Program! What is My Budget? First Credit Union s My Budget is a personal money management tool that securely integrates into our mobile banking app. It helps empower you to take control of your finances and simplify your life. Use My Budget to set individual budgets for housing, vehicles, groceries and more to easily track your expenses. Add your accounts from other institutions to see your total financial picture in one place. Download our new app today! Check out what s new download or update the app and take a look around. If you have questions, we re here to help. Here s how it works: Offer valid for First Credit Union K-12 members Receive $1 per A or equivalent on report card Earn up to $5 per quarter and $20 per year Reward deposited in your First CU account Touch ID Redeem your A s now! Submit your January-June report cards in July and July-December report cards in January. Bring your report cards to any branch or submit them online at firstcu.net.* Click on the Great Grades banner on the Community page to learn more. *Special Note to Members 12 years old and younger: First Credit Union adheres to the Children s Online Privacy Protection Rule or COPPA that prohibits collecting any personal information online from a child under age 13. For members 12 years old and younger, please have a parent or guardian complete and submit the online redemption form for you OR stop by any First Credit Union branch to claim your Great Grades Reward in person. Thank you! There is no charge from First Credit Union for the mobile banking service. Regular internet access charges and other rates from your wireless provider still apply. Regular text messaging and other rates from your wireless provider still apply. Click COMMUNITY at firstcu.net to learn mor er rn o C ity un m m o C e. #back2schooldrive School is about to begin but not all kids have the supplies they need to succeed. You can help! Please join us help kids in our community have a great start for their school year during our annual Back to School Supply Drive. Drop off donations at any branch. During July we ll be collecting school supplies and personal care items at all First Credit Union branch locations. See the list to the right of most needed items for some donation ideas. Thank you! Most Needed Items colored pencils #2 pencils blue and black pens markers highlighters erasers glue sticks crayons college-ruled notebooks spiral notebooks twin-pocket folders Also Needed: chapstick flip flops sun screen hand sanitizer underwear socks

3 MONEY MONEYMATTERS MATTERS Updated, Improved and Oh-So-Easy to Use Mobile Banking App First Credit Union Pays For A s! We ve been very busy the past few months perfecting an enhanced mobile app experience. We re really excited about the new features increased security with Touch ID (iphone only), My Budget money management tool built in and a reimagined look with a bold and bright feel that we think is just... well, sunny! All of this to make our app better, more secure, and oh-so-easy to use. Education is the foundation for your future. First Credit Union supports the importance of working hard to get a good education. We want to reward our K-12 members for their efforts. Get rewarded for your hard work with our Great Grades Rewards Program! What is My Budget? First Credit Union s My Budget is a personal money management tool that securely integrates into our mobile banking app. It helps empower you to take control of your finances and simplify your life. Use My Budget to set individual budgets for housing, vehicles, groceries and more to easily track your expenses. Add your accounts from other institutions to see your total financial picture in one place. Download our new app today! Check out what s new download or update the app and take a look around. If you have questions, we re here to help. Here s how it works: Offer valid for First Credit Union K-12 members Receive $1 per A or equivalent on report card Earn up to $5 per quarter and $20 per year Reward deposited in your First CU account Touch ID Redeem your A s now! Submit your January-June report cards in July and July-December report cards in January. Bring your report cards to any branch or submit them online at firstcu.net.* Click on the Great Grades banner on the Community page to learn more. *Special Note to Members 12 years old and younger: First Credit Union adheres to the Children s Online Privacy Protection Rule or COPPA that prohibits collecting any personal information online from a child under age 13. For members 12 years old and younger, please have a parent or guardian complete and submit the online redemption form for you OR stop by any First Credit Union branch to claim your Great Grades Reward in person. Thank you! There is no charge from First Credit Union for the mobile banking service. Regular internet access charges and other rates from your wireless provider still apply. Regular text messaging and other rates from your wireless provider still apply. Click COMMUNITY at firstcu.net to learn mor er rn o C ity un m m o C e. #back2schooldrive School is about to begin but not all kids have the supplies they need to succeed. You can help! Please join us help kids in our community have a great start for their school year during our annual Back to School Supply Drive. Drop off donations at any branch. During July we ll be collecting school supplies and personal care items at all First Credit Union branch locations. See the list to the right of most needed items for some donation ideas. Thank you! Most Needed Items colored pencils #2 pencils blue and black pens markers highlighters erasers glue sticks crayons college-ruled notebooks spiral notebooks twin-pocket folders Also Needed: chapstick flip flops sun screen hand sanitizer underwear socks

4 MONEY MATTERS The Simplicity You Want. The Security You Value. your new card E! At First Credit Union, the security of your accounts is of upmost importance. Your Visa debit card is a convenient gateway to your checking account.we re committed to making your debit card purchases as secure as possible. First Credit Union Visa cards feature chip technology for added security. When you use your card at a chip-activated terminal, the embedded chip creates a unique, one-time use code for each transaction to be authenticated so it s virtually impossible to replicate in a counterfeit card. Check out with ease. Simply insert your card in a chip-activated terminal, follow the prompts and remove your card when the transaction is complete. A newsletter for First Credit Union members. July 2017 It s easy to pay at a chip-enabled terminal: the chip end 1 Insert of the card into the chip-enabled terminal with the chip facing up. Enjoy global acceptance. More places than ever now accept chip cards. Whether you check out using chip technology or swipe your card, you can pay with confidence worldwide. the card in the 2 Keep terminal throughout Processing... the transaction and follow the prompts on screen. If you remove your card too soon, your purchase will be canceled. Frequently Asked Questions Q: Why am I receiving a new card? A: Your card now includes chip technology. It provides an enhanced level of security as well as global acceptance. Q: What should I do with my old First Credit Union Visa card? A: Your new chip-enabled First Credit Union Visa card replaces your existing card. Once you activate your new chip card, please destroy your existing non-chip card for security reasons. Q: How do I activate my new chip card? A: Activate your new chip card online ActivateMyCards.com, call toll-free at (800) , or call collect outside the US or Canada at (206) Fun Facts Money Matters ACTIVAT your card 3 Remove when prompted and take your receipt. See how easy it is to use a chip-enabled terminal. Watch a video that demonstrates the new checkout process using your chip card when you visit LEARN at firstcu.net and click on EMV Chip Cards. EMV is short for EuroPay, MasterCard, and Visa, which are the three companies that created the original chip technology standard. They Say Timing Is Everything... Holiday Closure Access your accounts anytime! firstcu.net Our branch locations will be closed on Tuesday, July 4, 2017 in observance of Independence Day. Short code (Register your device at firstcu.net) ATM > (480) T he time is now. Bring all of those ideas you ve noodled around in your head for months or maybe even years to light - Make it happen! With home values on the rise, now is a great time to consider or reconsider a home equity loan. Turn your home s equity into cash and use it for: Home improvements Debt consolidation College expenses with any of these logos: Mailing Address: P.O. Box 820, Chandler, AZ /7 Phone Center: (480) (800) Download our app! 2017 All rights reserved First Credit Union The best part is your interest payments on a home equity loan are usually tax deductible, but always check with your tax advisor for details. Home equity loan or HELOC what s the difference? With a home equity loan you receive the entire loan amount at once and repay it over time. A home equity line of credit, or HELOC, is a revolving credit line and you can borrow funds as needed. Both are secured by the deed of trust on your home. Get started today! Call (480) or (800) outside the Phoenix area to speak with a home loan specialist who can help you choose the Home Equity Loan that s right for you.

5 ANNUAL NOTICE REGARDING NON-VISA PINLESS DEBIT TRANSACTIONS You may use your Visa Debit Card to initiate both Visa debit transactions and non-visa debit transactions without using a personal identification number (PIN) to authenticate the transactions. To initiate a Visa debit transaction, you may sign a receipt, provide a card number or swipe your card through a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. To initiate a non-visa debit transaction, you may enter a PIN at a point-of sale terminal or, for certain bill payment transactions, provide the account number for an e-commerce or mail/telephone order transaction after clearly indicating a preference to route it as a non-visa transaction. We have enabled non-visa debit transaction processing on the STAR and CO-OP network(s). The rights and protections applicable only to Visa debit transactions, including additional consumer liability limits and streamlined error resolution procedures, as described in your Electronic Fund Transfers Agreement and Disclosure will not apply to transactions processed through non-visa networks. Please contact the Credit Union with any questions you may have regarding this notice. Thank you. LOANLINER CUNA Mutual Group, 2009 Rev. 6/2016

6 Work With Someone You Trust Joe Shinske, Financial Services Representative with First Wealth Advisors at First Credit Union, uniquely serves members like you by creating a personal roadmap for your financial future. Your path is dynamic and may change. Together, you and Joe will develop an effective, comprehensive plan that you ll monitor, review and change as needed. Best of all, Joe is right here and available exclusively to members like you. Contact Joe today to get started on the road to your financial future. { Serving First Credit Union Members for over 10 YEARS { Joseph F. Shinske III Financial Services Representative 803 E Devonshire Phoenix, AZ Toll-Free: Phone: Joe.Shinske@cunamutual.com 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. FR

7 WHEREVER YOUR DAY TAKES YOU, A Friend ly Face is Never Far Away.

8 At First Credit Union, we re always finding ways to make your experience more convenient. Shared branching is one of those ways. First Credit Union is part of a national network of cooperative credit unions, providing members with easy account access at thousands of locations. Learn more at firstcu.net. At shared branch locations around the country, you can enjoy a host of services, just like you would at your local branch: Deposits Transfers between accounts Withdrawals Loan payments Find a shared branch location at firstcu.net. Just click on Locations & ATMS or download our mobile banking app. Just look for the shared branch logo! Convenience is first at First Credit Union! As a member, enjoy 24/7 friendly personalized service, plus: Text banking Mobile apps with check deposit Online banking Extensive CO-OP ATM Network Bill pay And more at firstcu.net This credit union is federally insured by the National Credit Union Adminstration.

9 Invite a Friend. firstcurewards.net

10 Invite a friend to open a new checking account with us and you both can earn a FREE reward! Four easy steps: 1. Print your name on this form. Then, provide either your address or mailing address. 2. Give it to a friend and recommend one of our great checking accounts. 3. When your friend logs in and enrolls at firstcurewards.net, you ll earn 25 points and your friend will receive 150 points! 4. When your friend opens a new checking account, they can earn 300 points immediately! And you ll get a certificate for 350 points redeemable for your choice of rewards. Name: OR Address: City: State: Zip: Referral Code: Remote This credit union is federally insured by the National Credit Union Administration. Invite a Friend.