SmartMoney Digest. Refer a friend to join PECU. You and your friend can both earn $50! Attend PECU s Annual Meeting on March 4 P.3 P.5.

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1 1ST QUARTER 2019 SmartMoney Digest AUTO LOAN REFINANCE PROMOTION P.3 HOME EQUITY PROMOTION P.5 Refer a friend to join PECU. You and your friend can both earn $50! It s a new year with a great new opportunity for you to earn extra money. How can you do that? Simply share your PECU membership with your friends. You can earn $50 when you refer a friend, plus your friend can also earn $50! What would you do with an extra $50? How about $100, $200 or more? There s no limit to how much money you can earn by referring friends. See Page 2 of this newsletter for the Refer A Friend form that gets you and your friend started. The Refer A Friend form is also on the PECU website. We appreciate your PECU membership and look forward to serving you and your friends in 2019! Attend PECU s Annual Meeting on March 4 We hope to see you at PECU s Annual Meeting on Monday March 4, It will take place at the Embassy Suites Hotel at 5901 I-35 North in Austin. You will receive fun door prizes and be entered into our cash drawings! The doors open at 5 PM. Dinner will be served at 5:30 PM. The business meeting will start at 7 PM. We will be casting ballots for two Board positions that are up for election. You ll hear speeches from the Board of Directors and PECU President Gary Whitcomb. PECU s Annual Meeting is a great way to catch up with old friends, meet more members, and celebrate your credit union. PAGE 2: Fill out the easy form to take part in our Refer A Friend promotion. Get $50 for each friend you refer!

2 FILL OUT THIS INFO TO REFER A FRIEND. You & YOUR FRIEND CAN BOTH EARN $50! CURRENT PECU MEMBER Here s an opportunity for you to refer a friend and receive $50 for each new PECU member you refer. Your friend needs to open a new PECU savings account & any PECU checking account* Current Member Name Street Address City, State, Zip Code Phone Please fill out top half and then give it to your friend to fill out bottom half. QUESTIONS? pecutx.org *Your $50 will be deposited to your PECU checking account when your friend opens a PECU savings account & PECU checking account and meets the promotional requirements. Program, terms & conditions subject to change at any time at PECU s sole discretion. GET $50 FOR YOU, PLUS $50 FOR YOUR FRIEND! NEW PECU MEMBER Welcome to PECU! Please fill out bottom part and then give it to PECU. Earn $50 for you, plus $50 for the friend who referred you* You must fill out this form completely and then do the following: 1) Open a PECU savings account & make one deposit of $50 or more within 60 days of account opening 2) Open any PECU checking account & complete five (5) signature-based debit card transactions of at least $10 each within 60 days of account opening. New Member Name Street Address City, State, Zip Code Phone pecutx.org FOR PECU USE OPENED BY: DATE: CODE 04 ADDED: *PECU membership required. $50 will be deposited to your PECU checking account. New accounts screened through ChexSystems. Must be 18. $5 minimum opening deposit required for member savings account. $5 minimum deposit required for member checking account. Promotional deposit will occur within 60 days of meeting requirements. Promotional deposit will be deducted if checking account is closed less than 180 days after opening account. Promotion not valid for existing PECU members. Program, terms & conditions subject to change at any time at PECU s sole discretion. Choose PECU Free Checking Are you tired of big banks charging lots of fees and service charges on your checking account? You work hard for your money. Switch to PECU Free Checking and save lots of money. PECU gives you no balance requirements and no monthly fees. There s no service charge, no usage requirement, and no required tie-in to other services. You also get our free mobile app, free debit card, and more than 360 free Central Texas ATMs and 5,000+ worldwide shared branches. Make 2019 the year you save lots of money with PECU Free Checking! MAKE SURE YOUR CHILDREN AND GRANDCHILDREN ALL HAVE PECU KIDS & TEEN ACCOUNTS

3 Happy New Year! After the holiday season, your budget may need some relief. PECU wants to offer you a 90-day break from your car payments, plus up to $300! You can take advantage of that offer by refinancing your non-pecu auto loan at PECU. What s more, PECU lowers your payment, pays your title transfer fee, and gives you a great rate. Apply online, or drop by any PECU lobby branch. PECU wants to help you save money. Loan Amount $10,000 - $19,999 $20,000 - $29,999 $30,000 - $39,999 $40,000 - $49,999 $50,000+ Incentive $100 $150 $200 $250 $300 All loans subject to credit approval. $10,000 minimum loan amount. Autos & trucks model year 2014 and newer are eligible. Up to $300 deposited in share account. Standard underwriting guidelines apply. Vehicles currently financed at PECU not eligible. Rates, terms & conditions subject to change. Contact PECU if you have questions AUTO LOAn refinance promo START 2019 BY GETTING UP TO $300 & NO PAYMENTS FOR 90 DAYS

4 Shared Branch Spotlight Birmingham, Alabama Birmingham is the most populated city in Alabama. It was founded in 1871 and named for Birmingham, England. The growth of its iron and steel industries through the 1960s earned it the nickname The Magic City. Its economy has diversified over the past several decades to include major activities in banking, telecommunications, transportation, medical care and education. It is home to the University of Alabama at Birmingham, plus the private institutions Samford University, Birmingham-Southern College and Miles College. Birmingham hosts the Jared Birmingham Bowl, an annual college football game (formerly known as the BBVA Compass Bowl). Birmingham is mentioned in the popular song Sweet Home Alabama by Lynyrd Skynyrd. You can do your PECU business in Birmingham at 37 locations including Legacy Community FCU, Avadian CU, Alabama Central CU, and ECO CU. They are called shared branches. Please click org to search them. There are 5,000+ worldwide shared branches. Just show your ID and know your PECU account number when you visit a shared branch. Happy New Year from PECU! Insurance Savings Opportunities The new year is a good time to compare your insurance rates. You may be able to save money. PECU offers a wide range of savings through TruStage on many of the most popular insurance products including auto, life, home, long-term care and AD&D insurance. You can get free quotes on the insurance products you wish to compare. TruStage is the marketing brand for the insurance products issued by and programs made available through CUNA Mutual Group, including the CMFG Life Insurance Company. CMFG Life has worked with America s credit unions for more than 75 years. Together, we re dedicated to helping you protect the achievements and aspirations that matter the most. Did you know that your PECU membership qualifies you for $2,000 of AD&D coverage at no cost? Click the TruStage block from our homepage to get started. Online Account Opening Online account opening is one of the easiest ways to help a friend or family member become a PECU member. Whether it s their mobile phone, tablet, or desktop computer, make sure your family and friends know how to join. They can simply go to our website at, click the orange strip at the top of the page, follow the easy instructions, and quickly become a new member by opening an account online. Don t forget about the Refer A Friend promotion where you and your friend can both earn $50. If you have questions during the online account opening process, please contact Financial Services at COMPLAINT NOTICE This credit union is incorporated under the laws of the State of Texas, and under state law is subject to regulatory oversight by the Texas Credit Union Department. If you have a dispute with Public Employees Credit Union, you should first contact PECU the credit BOARD union. ELECTIONS If the dispute is not resolved to your satisfaction, you may contact the Texas Credit Union Department through one of the means indicated below: In Person or by U.S. Mail: 914 East Anderson Lane, Austin, Texas Telephone Number: (512) Fax Number: (512) complaints@tcud.state.tx.us Website: BRANCHES & HOURS MAIN OFFICE 306 East 10th Street P.O. Box 2205 Austin, Texas Phone: Fax: member@pecutx.org Monday thru Friday 9 am - 5 pm CENTRAL OFFICE 1200 West 42nd Street Austin, Texas Monday thru Friday 9 am - 6 pm WALNUT CREEK OFFICE 8013 Centre Park Drive Austin, Texas Monday thru Friday 9 am - 6 pm OAK HILL OFFICE 5838 Highway 290 West Austin, Texas Drive-Up Facility Only ROUND ROCK OFFICE RM 620 North (Near intersection of 620 N & Cornerwood) Austin, Texas Monday thru Friday 9 am - 6 pm BEAUMONT OFFICE 4215 Eastex Freeway Beaumont, Texas Phone: Fax: Monday thru Thursday 9 am - 5 pm Friday 9 am - 6 pm Drive-up Hours: Monday thru Friday 8 am - 6 pm Saturday 9 am - 12 pm Upon request, members are entitled to review or receive a copy of the following credit union documents: Balance Sheet & Income Statement; summary of the most recent audit; written Board policy regarding access to the articles of incorporation, bylaws, rules, guidelines and Board policies; Internal Revenue Service Form 990. If you have questions, please contact PECU Financial Services at in Central Texas, or toll free

5 How to check items off your bucket list! PECU HOME EQUITY LOANS Right now, get up to $300 bonus cash! What s on your bucket list? Many PECU members just like you use our Home Equity Loans for their bucket list items such as dream vacations, RVs, home offices, bill consolidation, weddings, medical procedures & more. You worked hard building equity in your home. Now, put it to work for you. Rates are great. Plus, PECU will help you get up to $300 bonus cash during this promotion. Click, call, or come by to apply. Questions? Call us at Loan Amount Incentive $7,500-$24,999 $25,000-$49,999 $50,000-$74,999 $75,000+ $100 $200 $250 $300 *Rates, terms, and conditions subject to change. Contact PECU if you have questions. Low fixed rate Borrow up to 80% LTV Loan amounts from $7,500 to $500,000 No standard closing cost on loans less than $100,000 One set monthly payment to fit your budget No application fee No origination fee No processing fee No hidden costs No pre-payment fee Flexible terms up to 20 years All loans must be closed by 4/15/19. All loans subject to credit approval. $7,500 minimum loan amount. Up to $300 deposited in share account. Loans must be closed to receive incentive. Standard underwriting guidelines apply. To qualify for the Home Equity cash incentive and the no-closing-cost feature, all loans must be new loans or a refinance from another financial institution. Loans currently financed with PECU are not eligible for the cash incentive or the no-closing-cost feature.

6 FEBRUARY IS MEMBER APPRECIATION MONTH AT OUR WALNUT CREEK BRANCH $500 GIVEAWAY ipad GIVEAWAY Special Event: FRIDAY FEBRUARY 1 $500 in total cash prizes Auto Loan Promotion* ipad Giveaway Free Food Great Door Prizes *Based on your good credit, take.50% off the current PECU auto loan rates on 2/1/19. Rates, terms, and conditions subject to change. Contact PECU to verify your promotional rate. Address: 8013 Centre Park Drive (78754) Promotions Available At Walnut Creek All During February $50 Refer A Friend to join PECU. You and your friend can both earn $50! Fill out the form located on Page Two of this newsletter to get started. There is no limit to how much money you can earn by referring lots of friends to join PECU! See website or contact PECU for details. All during February, PECU will pay for the first purchase you make (up to $50) on your new PECU MasterCard. Get a new card, then get gas, groceries or other items on us! Must apply for new card at our Walnut Creek branch. See website or contact PECU for details. All during February, we ll waive the new member fee and put the first $10 in any new kids or teen account you open for your child or grandchild at our Walnut Creek branch.