CU NEWS. Come Celebrate Member Appreciation Day on April 28th! BOARD OF DIRECTORS. Annual Membership Business Meeting SPRING EDITION

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1 CU NEWS SPRING EDITION BOARD OF DIRECTORS Francis Tsunezumi Chairman Katherine Hirayama Vice Chairperson Eric Tanouye Financial Officer Steven Hironaka Secretary Dr. Donn Ouye Takashi Sasaki Toby Taniguchi Come Celebrate Member Appreciation Day on April 28th! Member Appreciation Day will be held this year on Friday, April 28th! Come celebrate the uniqueness of credit union membership and your special relationship with CU Hawaii Federal Credit Union. On this day CU Hawaii members will be treated to refreshments and a member appreciation gift. Members may enter the grand prize drawing at their nearest CU Hawaii Branch location. At the end of the day, one lucky member from each branch will be drawn as the winner of a $200 cash grand prize!* If you are the winner you will be contacted by the branch manager on Monday, May 1, Visit the Hilo, Kea au, Kona, Nā`ālehu, Pāhoa, Pāhala or Puainako branch and join in on the festivities. At CU Hawaii our commitment to our members remains strong and we will continue to bring you the products and services that will save you money and keep you financially fit. We want to be your primary full-service financial institution today and for many years to come. SUPERVISORY COMMITTEE: The Supervisory Committee is the watchdog group for members. They oversee the audits and internal controls of the credit union. If you have a concern or comment for the Supervisory Committee, feel free to write them at: CU Hawaii FCU Supervisory Committee P. O. Box 6494 Hilo, HI *While supplies last. One entry per primary membership for the grand prize drawing. Multiple entries at multiple branches will not be considered in the final grand prize drawings. Only one grand prize winner per branch. Annual Membership Business Meeting All members are invited to attend the Annual Business Meeting which will be held on Friday, April 28, 2017, at the Hilo branch lobby located at 476 Hinano Street in Hilo. The meeting will begin promptly at 5:30 pm. If you are unable to attend, a copy of the 2016 Annual Report will be posted on our Web site under About Us. A copy of the annual report can also be picked up at any of our branch locations on the day of the business meeting.

2 WHAT'S NEW... with Online Banking Pending transactions history enhanced in Online Banking! Members are enjoying the benefits of our new MasterCard Debit Card You may have noticed something new and improved when you log into online banking on our website, Back in late February 2017, we enhanced your online banking experience. No more viewing your pending transactions by clicking through a different menu selection area. Now, your pending transactions will automatically display at the top of the transaction history page. If you have any questions, call us at (808) or stop by any CU Hawaii branch location. CU Hawaii checking account members have now been issued their new MasterCard Debit Card with chip technology. Embedded in every card is a microprocessor chip that creates a unique transaction code that is used only once when a new transaction is performed. This unique feature helps prevent stolen data from being fraudulently used. With your new MasterCard Debit Card you can get cash at over two million ATMs worldwide. In Hawaii, you can use your card at all CU Hawaii owned ATMs at no charge. You can also use your card, surcharge free, at all First Hawaiian Bank or American Savings Bank ATMs statewide. Your new card also comes with many new benefits such as, ID Theft Protection, Extended Warranty, and Price Protection. Don t have a MasterCard Debit Card? Stop by any CU Hawaii branch to open your checking account and order your MasterCard Debit Card. You will receive your card in 7 10 days and you can start enjoying the convenience and safety of your chip embedded debit card.

3 Loan Rates are starting to Move Upward! Take advantage of CU Hawaii s low rates while they last! If you are in the market for a personal, auto or credit card loan you may want to get your application completed and submitted into CU Hawaii, sooner rather than later. The Federal Reserve has raised the overnight interest rate twice in the past 3 months and a third rate increase is anticipated to be announced by the Federal Reserve in June MEMBER REWARDS Some financial institutions are already cutting back on personal loan rate specials and raising their consumer loan rates. Credit card and auto loan rates are also starting to slowly trend upward. CU Hawaii still has some of the lowest personal and auto loan rates around. LOAN TYPE Personal Loan AS LOW AS 2.99% APR* New Auto Loan Used Auto Loan 1.49% APR* 1.99% APR* Need a credit card? Apply for our MasterCard Platinum Plus card with a low 9.00% APR*. With our MasterCard Platinum Plus card, you will earn Reward points redeemable towards travel reimbursement or the purchase of very popular gift cards. There are a number of convenient ways to complete your loan application. You can complete an online application on our website at or complete a loan application through our Mobile App on your smart phone or tablet. If you need assistance, feel free to stop by any of our branch locations and speak with one of our friendly member service representatives. *APR= Annual Percentage Rate. Other rates and terms are available. Certain restrictions apply. Member must qualify under CU Hawaii membership and lending guidelines. Offer may end at anytime without notice. FEDERALLY INSURED BY NCUA. When it is time to shop for that new set of wheels you always try to cut the best deal you can. That s smart. But before you hit the dealer s lot, get pre-approved at CU Hawaii first. Getting pre-approved before you go shopping can put up to $300 cash into your pocket with CU Hawaii s Member Rewards* program. Our current auto rates are as low as 1.49% annual percentage rate. Now that s a good way to start a deal! Being pre-approved gives you bargaining power. No stress over trying to second guess what you can afford and what the payment would be each month. As a CU Hawaii member you deserve to be rewarded! *Member must qualify under CU Hawaii s lending guidelines. Member must have CU Hawaii membership of 12-months or longer to qualify for Member Rewards program. Member must get pre-approved before shopping for a new or used vehicle. Some restrictions may apply.

4 Employee Anniversaries! Jeff Takemoto Congratulations to Jeff on his 15 year anniversary with CU Hawaii. Jeff was hired on March 18, 2002, as the IT Specialist and was quickly promoted to IT Supervisor and then IT & General Services Manager, in In 2016, Jeff was promoted to Assistant Vice President of IT & General Services. Jeff received his Bachelors in Management Information Systems from the University of Nevada at Las Vegas. He is a 2016 graduate of Western CUNA Management School (WCMS). WCMS is an annual two week course held over a three year period. Many credit union professionals across our nation are graduates of this prestigious credit union school. In 2016, Jeff graduated from WCMS with high honors. When he s not at work, Jeff enjoys spending time with his wife Lesley and their five year old daughter Kara. Congratulations to Jeff on his CU Hawaii anniversary and his high honors accomplishment at WCMS! Shari Calica-Spencer Shari joined CU Hawaii ten years ago on February 26, 2007 as a Member Service Representative serving our members on the teller line. Within a few months, Shari changed from her position as a Member Service Representative to Loan Clerk in the credit union s loan department. In 2016, she was promoted to the position of Loan Officer and is currently assisting members out of the Kea au Branch. When not at work, Shari enjoys going to the beach, barbecuing and spend time with her `ohana. Congratulations Shari on ten years of providing service to our members! 2016 Employee of the Year! Lynette Ikeda Lynette Ikeda has been with CU Hawaii since February 11, Lynette started with CU Hawaii as a Senior Loan Officer. Two years later, to the day, Lynette was promoted to Loan Supervisor. Her extensive experience guides the loan department employees in meeting and exceeding the loan needs of our members. Over these past nine years Lynette has assisted our members in attaining their goals. Lynette has her Bachelors of Business Administration in Anthropology from the University of Hawaii at Hilo. She has also stayed abreast of credit union lending compliance by attending the annual Lending Compliance School every year since 2011 to present. Outside of the credit union Lynette participates in the American Heart Association's Heart Walk, American Cancer Society and Special Olympics causes. Lynette enjoys traveling whenever the opportunity affords itself. Congratulations Lynette. Well deserved!

5 Community Corner Life is Why We Walk! CU Hawaii employees walk and volunteer for a good cause! On Saturday, April 1st CU Hawaii Employees slipped on their bright green Life is why shirts, tied on their athletic shoes and walked in the 20th Emerald Anniversary American Heart and Stroke event at Liliuokalani Park. The Heart Walk in Hilo has become an annual event that CU Hawaii employees look forward to every year. This year, a total of $ was raised by CU Hawaii employees and members. For the second year in a row, a team of employees also volunteered that morning at the registration table validating donation envelopes and preparing the cash and check donations for bank deposit. Thank you to our CU Hawaii walkers, registration table volunteers, and our members for another successful Heart Walk in Hilo! Come Join in on the Fun at KTA Kids Day! Saturday June 10, 2017 Every year, one of our favorite days is Kids Day! On Saturday, June 10th come join in on the fun at the CU Hawaii Puainako branch location from 10am until 2pm. Children can play Plinko, win a prize and get their picture taken with Moola Moola! They can also enter to win a 32oz Hydro Flask! On this day only, the opening deposit of $5.00 will be deposited by CU Hawaii to get a new Moola Moola* account started. If you plan to open a Moola Moola Children s Savings account you will need to provide the following information. A valid photo ID of the parent or guardian opening the account The child s birth date The child s social security card A physical and mailing address *A Moola Moola Children s Savings account is for children ages 0 12 years. A $1.00 one-time membership fee must be paid at the time of account opening. No purchase necessary to enter into the Hydro Flask drawing. FEDERALLY INSURED BY NCUA. Copyright 2017 CU Hawaii Federal Credit Union. This newsletter was created by CU Hawaii Federal Credit Union. Telephone Number: Hawaii Island: (808) Toll Free: Address: 476 Hinano Street Hilo, HI Address: info@cuhawaii.com Web site Address: HOLIDAY CLOSINGS: Monday, May 29th - Memorial Day Tuesday, July 4th - Independence Day Monday, September 4th - Labor Day Monday, October 9th - Discoverers Day Saturday, November 11th Veterans Day Thursday, November 23rd - Thanksgiving Day Monday, December 25th - Christmas Day Federally Insured by the NCUA.