WELCOME TO THE NEIGHBORHOOD

WELCOME TO THE NEIGHBORHOOD

HELLO

WELCOME TO THE NEIGHBORHOOD Hi, we re TruStone Financial Federal Credit Union and we d like to welcome you to your neighborhood credit union. We re sure you have lots of questions, and you can be sure we have all of your answers. So, first things first. Who are we? While the name is commonly shortened to TruStone Financial, make no mistake we are a not-for-profit credit union that began in 1939 with a group of hard working people just wanting to make a difference.

INVESTING IN YOUR HOMETOWN Serving our members means serving the neighborhoods TruStone Financial calls home. From local parades and 5Ks to school functions and charity drives, you ll see TruStone Financial all throughout town. Taking an active role in the community is who we are and what we do day in and day out. TruStone Financial enjoys being involved and helping to make our neighborhoods great places to live, earn and serve. CULTIVATING QUALITY Whatever your banking needs, be it loans, Visa debit or credit cards, checking accounts, you name it TruStone Financial has it, but so does everyone else. What sets us apart are the little extras and big benefits that put TruStone Financial above the rest like innovative online and mobile banking technology, friendly faces and a knack for knowing what you need and helping you get what you want.

TruStone Financial is dedicated to serving teachers, their classrooms and the education community as a whole.

TruStone Financial: A BRIEF HISTORY After nearly eight decades, TruStone Financial has grown with members for members. Our commitment to service, accuracy and responsiveness stands just as firm as it did in 1939.

1939 In the living room of founder Carl Nelson s home, eight teachers created what is now known as TruStone Financial Federal Credit Union. After one year, Minneapolis Federation of Teachers Credit Union served 16 members and $307 in assets enough to fit in a tackle box. 1947 Secured loan limit increased to $800. 2004 The credit union had six locations throughout the Twin Cities and St. Cloud and the field of membership opened up to specific communities. 1986 The credit union added innovative products including variable rate loans and lines of credit and first mortgages. These product additions poised the credit union for success as it became Teacher Federal Credit Union the following year. 2009 The credit union balance sheet had more than $621 million in assets and 57,000 members. During this year the credit union changed its name to TruStone Financial Federal Credit Union. 2011-13 TruStone Financial merged with Ukrainian Credit Union of Northeast Minneapolis, acquired the assets of A M Community Credit Union in Kenosha, Wisconsin and combined operations with Ladish Community Credit Union of Cudahy, Wisconsin. 1965 1982 The credit union moved into their very first The pattern of growth and mergers continued as the branch, located at 1724 Douglas Drive in organization merged with three additional credit Golden Valley, MN. unions between 1982 and 1986. 2016 TruStone Financial merged with First Credit Union, Southshore Credit Union and Kenosha Postal Employees Credit Union and now serves more than 100,000 members and boasts $1.1 billion in assets. 1976-78 1979 Through innovation and expansion, the credit union 12,500 members cooperatively expanded became one of the first in MN to offer Share Draft the credit union worth $34 million in assets. Checking accounts and Visa credit cards.

PRODUCT HIGHLIGHTS Primary Share As a not-for-profit credit union, this savings account puts you as member-owner with a deposit of only $5 and earns you dividends. TruRate Checking A high-yield checking account that will earn you 2.02% * APY on your spending money by maintaining balances, cards and services. Visa Credit Cards There are three credit card options available from our black-tie credit card to a card for those just starting to build credit. Auto Loans TruStone Financial provides low-cost, convenient financing for vehicles of all makes, new or used, in all price ranges. Home Equity Line of Credit A low interest Home Equity Loan can help you remodel, pay for college or reduce debt; the possibilities are endless. Reward and RewardPlus Checking For those looking to get rewards or earn more benefits, these accounts offer dividends and perks for positive spending habits. Value Checking For those who want a basic account without the worry of maintaining balances or paying monthly service fees. Youth Savings Accounts It s never too early to learn the importance of saving, which is why we offer MoneyWise accounts for children under the age of 18. Health Savings Account You can t plan to be sick, that s why this free account lets you plan ahead for unexpected medical expenses. Please visit TruStoneFinancial.org for a full list of product offerings. * TruRate Checking receives 2.02% Annual Percentage Yield (APY) on balances up to $20,000 and 0.10% APY on balances over $20,000 by adhering to the following conditions: Account holders must maintain active Visa credit and debit cards (a combination of a minimum of 12 transactions posted by the last business day of the month for debit cards; second to last business day for Visa credit card transactions), enroll in and maintain Online Banking and estatements and maintain a minimum daily balance of $2,000. If any of the requirements are not met in a given month, the APY drops to 0.10% on all balances. Accounts closed before the end of the calendar month will earn 0.10% APY on all balances for that month. A $20 monthly fee will be assessed if the balance falls below required $2,000 minimum on any given day. Limit one account per household. Primary account holder must be 18 years of age or older. TruRate Checking is not available for trust or business accounts. Federally insured by NCUA.

TruStone Financial knows that members needs aren t one-size-fits-all. That s why we offer a wide array of products to best complement your lifestyle.

TruStone Financial products and services are constantly evolving to exceed banking expectations.

SERVICE HIGHLIGHTS Mobile Deposit Make deposits directly from your phone by downloading the TruStone Financial Mobile Banking App. Just snap a picture with your phone or device! MobilePAY Give your wallet the day off with Android Pay, Apple Pay and Samsung Pay through TruStone Financial. Online and Mobile Banking You can transfer money between accounts, check your balances and so much more. Bill Pay Pay all of your bills online in one place. With recurring payments and no fees, we have you covered month after month. Deposit ATMs Cash and check deposits can be made at any deposit-taking ATM within our network. * MoneyPass Network As a member of TruStone Financial, you have access to the MoneyPass Network. You can use thousands of surcharge-free ATMs located across the United States where you live, work and travel. Please visit TruStoneFinancial.org for a full list of service offerings. *Not all non-trustone ATMs may take cash deposits.

MORTGAGE LENDING SERVICES ABOUT MORTGAGE LENDING SERVICES Mortgage Lending Services, a TruStone Financial company, has been serving the mortgage needs of our local communities since 1986. The dedicated staff of mortgage experts hold a combined 125+ years in the financial industry giving you the service and experience that you deserve. With a focus on serving Minnesota and Wisconsin, Mortgage Lending Services is able to reinvest into local communities and the residents that call them home. Experienced representatives carry out in-house underwriting and loan processing at local TruStone Financial branches to ensure a streamlined lending process, faster turnaround times and speedy closings. Even though Mortgage Lending Services provides local service, they offer some of the most competitive mortgage rates around. With a variety of fixed and variable rate mortgage products, they are able to meet the needs of every borrower. Mortgage Lending Services is ready to help you make a house your home.

MORTGAGE AND REFINANCING OPTIONS TO FIT EVERY NEED House to Home Program Conventional Fixed-Rate Mortgage No money down, no private mortgage insurance If you plan to own a home for more than five years loan option for first time or repeat home buyers. this option allows your interest rate and payment to stay the same for the life of the loan. Construction Loan Build your dream home from the ground up or remodel 5-1 Adjustable-Rate Mortgage (ARM) your kitchen with this financing option. Borrowers looking for lower monthly payments and plan to sell or refinance in less than five years enjoy the Veterans Administration (VA) Loan benefits of this lending option. Qualifying veterans and surviving spouses may be eligible for mortgages that require no down payment WHEDA Partner and no mortgage insurance. Variety of competitive loan options for Wisconsin home buyers. Please visit MLServices.com for a full list of offerings. NMLS ID #876821 MLServices.com 763.595.4010

LOCATIONS MINNESOTA BOONE AVENUE 605 Boone Avenue North Golden Valley, MN 55427 BURNSVILLE 14300 Nicollet Court, Suite 100 Burnsville, MN 55306 HIGHLAND 757 Cleveland Avenue South St Paul, MN 55116 LYN-LAKE 2817 Lyndale Avenue South Minneapolis, MN 55408 MAPLE GROVE 7851 Elm Creek Boulevard Maple Grove, MN 55369 NORTHEAST MINNEAPOLIS 527 Central Avenue Northeast Suite 2 Minneapolis, MN 55414 PLYMOUTH CORPORATE CENTER 14601 27 th Avenue North, Suite 104 Plymouth, MN 55447 ROGERS 14115 James Road, Suite 300 Rogers, MN 55374 ROSEVILLE 2150 Lexington Avenue North Roseville, MN 55113 ST. CLOUD 620 Roosevelt Road St. Cloud, MN 56301 WISCONSIN GREEN BAY ROAD 6715 Green Bay Road Kenosha, WI 53142 MILWAUKEE CUDAHY 5570 South Packard Avenue Cudahy, WI 53110 NORTHSIDE 2707 30 th Avenue Kenosha, WI 53144 OAK CREEK 2121 East Rawson Avenue Oak Creek, WI 53154

TruStoneFinancial.org Phone 800.862.1998 MLServices.com Phone 763.595.4010 ReferTruStone.com JOIN THE CONVERSATION TruStoneFinancialFCU @TruStoneFCU

Federally insured by NCUA. Equal Housing Lender.