5 Ways. Loans From. to Apply! Kern Schools. Data Mobile Mobile Website Loans by Phone In Branch. Third Quarter 2017

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1 Third Quarter 2017 MARK YOUR CALENDAR All offices will be closed on the following dates: Independence Day Tuesday, July 4 Labor Day Monday, September 4 Loans From When you need to buy a new or used vehicle, consolidate bills, or obtain easy access to cash, Kern Schools can help you with all your financial needs. Kern Schools Federally Insured by the NCUA. 5 Ways to Apply! Data Mobile Mobile Website Loans by Phone In Branch

2 MESSAGE FROM Steve Renock President/CEO Planning for retirement can seem like a daunting task. For young people, retirement seems so far away that they put off planning for it until tomorrow. Those of us who are approaching retirement in the next few years, however, look at the funds we ve set aside and think, How am I ever going to be able to retire on that? Fortunately, it is never too early or too late to plan for retirement. The Kern Schools team of Financial Advisors is able to assist you in this process. If you are young, then there are many options available that even with a very small amount of money set aside monthly, can help you prepare for a comfortable retirement. If you are approaching retirement and have been saving for the big day, then our Financial Advisors can help you plan a strategy to help you wisely disburse your retirement funds. Please schedule an appointment with one of our capable Financial Advisors; I think you will be glad you did. As always, we appreciate your loyal Membership. DRIVE YOUR DREAM OR THEIRS! For our Members who teach, Kern Schools offers these unique loan options: 1.) CLASSROOM SUPPLIES LOAN Purchase the materials and tools you need for your classroom. 2.) EDUCATOR COMPUTER LOAN Purchase a new computer, software or hardware such as additional storage, printers, and scanners. Apply For A Kern Schools Auto Loan Today! Solicite su préstamo para un auto hoy mismo! 3.) EDUCATOR RELOCATION LOAN Proceeds can be used towards the cost associated with relocating to a new residence or school district. (661) (661)

3 ? BALANCE TRANSFER Thank you Kern County FEES NO WAY! Credit Card 2017 for voting us BEST Financial Institution 23 YEARS IN A ROW! From Kern Schools UPCOMING COMPLIMENTARY Apply For A Kern Schools Visa Credit Card Today! Solicite una tarjeta de crédito Visa de Kern Schools hoy mismo! FINANCIAL WORKSHOPS Online Banking 101 Thursday, June 22, 2017 Three Workshops Available: 11:00 a.m. - 12:30 p.m. 2:00 p.m. - 3:30 p.m. 6:00 p.m. - 7:30 p.m. Living Trust Services & Estate Planning Please help send Kern County children BACK 2 SCHOOL with new backpacks and school supplies! DONATE THROUGH JULY 21 at any Kern Schools branch! Tuesday, August 22, 2017 For More Information Visit ksfcu.org Online Banking 101 Tuesday, September 12, 2017 Three Workshops Available: 11:00 a.m. - 12:30 p.m. 2:00 p.m. - 3:30 p.m. 6:00 p.m. - 7:30 p.m. Home Buying Attend The Tuesday, September 19, 2017 For More Information Visit ksfcu.org La Compra de una Vivienda Thursday, August 3, :00 am - 12:00 pm Kern County Fairgrounds 1146 P Street Kids will receive free backpacks, school supplies, haircuts, health screenings and fun activities for the whole family, while supplies last. * No registration or income requirement. - Taller Informativo en Español Regional Occupational Center (ROC) 501 S. Mt. Vernon Bakersfield, Gate 4, Room 205 jueves, 21 de septiembre Para más información, visite ksfcu.org Medicare/ Prescriptions September TBD, 2017 For More Information Visit ksfcu.org 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 Home Own Your Dream Mortgage Loans From Kern Schools All Cashiering Team Members are Now TechSpert Certified! Apply For A Kern Schools Mortgage Loan Today! Solicite su préstamo para una vivienda hoy mismo! (661) /5 ARM * * Adjustable Rate Mortgage Home Loans 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. Let Us Help You With: - Remote Deposit Capture - Kern Schools Card Alerts - Co-Op ATM Locater App - estatements - DataMobile - DataNet - Mobile Wallet OFFICE HOURS Buena Vista Delano Downtown Ming Mt. Vernon Panama Rosedale River Run Town & Country Tehachapi Home Loan Center 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 Rosedale Highway 6101 Coffee Road 8200 Stockdale Highway, Ste. P 821 Tucker Road, Ste. A & B 4530 Ming Avenue DEPARTMENTS Communications 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 (661) Introducing The Visa Prepaid Debit Card From Kern Schools Jim Hussey Director Of Wealth Management T (661) Jim.Hussey@ksfcu.org CA Insurance License #0E24250 Town & Country River Run Richard Ramos Financial Advisor 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 Rosedale 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. Now Available Ahora Disponible 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 Learn More at ksfcu.org/visaprepaid (661) Loans in cash up to $2,500 Build good credit No credit history needed 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.

6 CHANGE-IN-TERMS NOTICE Important Changes to Your Account Agreement As of August 1, 2017 The following is a summary of changes being made to the About Your Credit Union Account (Truth in Savings Disclosure and electronic Fund Transfer) Disclosure and Agreement. These changes will impact your accounts(s) as follows: VISA Account Updater (VAU) and VISA Check Card Security Calls As a participant in the VISA payments system, the Credit Union participates in the VISA Account Updater (VAU) service. VAU allows for the electronic exchange of updated account information between the Credit Union, VISA and the merchants or companies with whom you have authorized recurring payment transactions. The VAU service helps to minimize disruptions that can result from expired or reissued cards, lost or stolen cards, new and closed accounts, and similar events. If you do not wish to participate in the VAU service and prefer that we do not share this information, you can opt-out by contacting the Credit Union either by phone or by visiting any one of our branch locations. Additional information and disclosures will be provided to you with your VISA Check Card. In addition, the Credit Union may share contact information required for Visa security to make calls or send text messages to verify Visa Check Card transactions. 08/01/2017 OPEN TO THE ENTIRE COMMUNITY! SATURDAY SEPTEMBER 30 th 8:30 a.m. - 1:30 p.m. I Bolthouse Drive (In southwest Bakersfield, off of Buena Vista Road) FOR MORE INFORMATION: 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.). Kern Green Used shoes (shoes will be donated or recycled depending upon condition). The Golden Empire 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! We are unable to accept Batteries, Light Bulbs & Paint