Perspectives. MobileBanking. AnytimeDeposit. MoneyDesktop. LiveChat. Live Chat is available Mon-Fri, 8 am-5 pm CST. Financial news you can use

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1 Financial news you can use Perspectives Altra Federal Credit Union Member Newsletter Fall 2013 MobileBanking Check out Altra s Mobile Apps. Available for Android, ipad, and iphone. You can check your balances, transfer funds, pay bills, find an ATM and much more. AnytimeDeposit Deposit a check anywhere at anytime from the comfort of your own home or anywhere else you choose. 24 hours a day, 7 days a week. Visit altra.org for complete details! MoneyDesktop A free online money management tool, securely integrated into online banking, that will change the way you feel about financial management. Your chat session is 128-byte SSL (Secure Socket Layer) encrypted. LiveChat We re here to help you! Live Chat with an Altra Member Contact Specialist who will respond to your questions in real time via a secure instant message. Live Chat is available Mon-Fri, 8 am-5 pm CST.

2 Visa International Prepaid Card Business or pleasure, when traveling or living overseas make sure to pack our globally accepted Visa International Prepaid Card. The International Prepaid Card is a reloadable prepaid Visa debit card, which means you can spend up to the value placed on the card anywhere Visa debit cards are accepted. You can shop in stores, online, over the phone, and by mail order. You can get cash at Visa ATMs worldwide. Each time you make a purchase, the amount of that purchase is automatically deducted from the card. When used in international markets where merchants authorize with the Chip & PIN on the front of the card instead of the magnetic stripe on the back of the card, the International Prepaid Card avoids unnecessary declines. For more information about the International Prepaid Visa Debit Card, visit Altra Secure ID You Hold the Key to Fraud Protection Altra Secure ID offers Free Identity Protection for members with checking accounts or credit cards for you and your family. This is a free identity management service powered by ID Theft 911. Have you ever been a victim of identity theft or discovered your wallet has been lost or stolen? Altra s call center can connect you to an advocate that can help you through this ID Theft solution. Your advocate will work with you through the entire process, from the first call you make until the crisis is solved. ID Theft 911 will notify the appropriate agencies, businesses, and institutions, all while creating a comprehensive case file for insurance companies and police. They will follow through on all aspects of the case until your identity has been restored. ID Theft 911 offers new preventative services, including social media and compromise assistance. Use this service to help protect yourself from hacking, managing your identity and your privacy in online communications. Get smart about managing standings on social media networks. Call or visit our website for more information today. CardLock is a new and innovative fraud prevention service that enables cardholders to block and unblock purchase authorizations on their credit union-issued credit and debit card accounts. It is the only fraud prevention service of its kind that gives cardholders this level of control to proactively lock and unlock their accounts. It works as an additional layer of protection against fraud to supplement the fraud prevention measures already in place for the credit union. CardLock protects payment card accounts in the same manner that locks protect homes and cars or any other valuable assets. When you re not using your car, you lock it. When you re away from your home, you lock it. Now, when you re not using your payment card, you can lock it too. For more information and to register your cards, visit https://www.cucardlock.com/. You can also access CardLock services using the toll-free number 877-CULOCK1.

3 Auto and Home Insurance at Special Rates from Altra Insurance Services. You now have access to the Travelers Auto and Home Insurance Program. This program offers Altra members: Special program rates on auto, home, condo and renters insurance Money-saving discounts, including multi-policy and new car Easy premium payments through Altra checking account or recurring Visa credit card payments 24/7 claim reporting Free, no-obligation quotes from licensed insurance representatives or online You can request quotes and switch at any time. Find out how much you can save today. Call Travelers, toll free, at % It GOES with you... One of the largest ATM Networks Up to $20 in ATM Refunds* Free Debit Card Free Mobile apps It GROWS with you... Earn 2.25% APY* No minimum balance No monthly fee TAKE A HOME INVENTORY Try this quick exercise. List ten items in your kitchen. Now can you list every item in your kitchen? What about your garage or attic? If you re like most, you probably missed quite a few items. Taking the time to compile an inventory of your home now can save you precious time and frustration later. Here s how conducting a personal property inventory can help you: Ensure you have the coverage you need In the event of a loss, it makes it easier for you to file a complete and prompt claim, supported by accurate documentation Helps determine the replacement cost of your lost or damaged possession to settle your claim quickly (subject to the provisions of your homeowners or renters policy) You can simply make a list in a notebook, save receipts, take photos or video and place them in a safe place, like a safety deposit box. Or, you can use your computer or your smart phone to access the Insurance Information Institute s Web-based inventory software at Know YourStuff.org or Know YourStuff - Home Inventory app in the itunes App Store. A licensed insurance representative at Travelers can also help you choose the coverage that meets your needs with special rates available to members through the Travelers Auto and Home Insurance Program. Call for your free quotes today at This content is for general information only. It is not intended to provide legal, technical or other professional advice, nor is it an endorsement of a ny particular product. In no event will Travelers or any of its subsidiaries or affiliates be liable in contract or in tort to anyone for the accuracy or completeness of this information. Laws, regulations, standards or codes may change from time to time, and you should always refer to the most current requirements. This information does not amend, or otherwise affect, the provisions or coverages of any insurance policy issued by Travelers, nor is it a representation that coverage does or does not exist for any particular claim or loss under any such policy. *Membership eligibility required. A+ Checking available for personal accounts only. Qualifying accounts earn currently posted Annual Percentage Yield (APY) on balances up to $15,000; Portion of balance over $15,000 earn 0.50% APY. Account earns 0.10% APY if all requirements are not met in any given cycle. Rates subject to change monthly. A cycle begins the last day of one month and ends on the second to last day of the next month; this allows Altra to calculate and post dividends and ATM refunds on the last day of each month. All requirements must be completed and/or posted in each cycle to be considered a qualifying account. ATM fee refunds available for ATM withdrawals made from A+ Checking only. Dividends calculated and paid each calendar month on the daily balance. Contact Altra for complete details.

4 TAKING IT TO STREETS THE NOW THROUGH DECEMBER 31ST, 2013 If your vehicle is spotted with a DriveAltra.org window cling, you ll be given a cash prize and gift on the spot! Window clings available at participating Altra locations. Altra Federal Credit Union employees will be scouring the city looking for vehicles with the window cling displayed. To be eligible to win, display DriveAltra.org window cling on vehicle s rear window. No winners will be chosen on Altra property. Winners will be randomly selected within a ten-mile radius of participating Altra branch offices and will receive a cash prize on the spot. Altra prize patrol staff will identify themselves. Chances of winning are dependent on the number of entries. No purchase necessary; DriveAltra.org window clings available in participating Altra offices. Winners must be 18 years of age or older and a resident of the US. One prize per vehicle. Employees of Altra and their immediate family members are not eligible. Contest ends December 31, AFTER YOU BUY altra spotlight THE VIRTUAL LENDING CENTER WE RE HERE TO STREAMLINE YOUR AUTO BUYING EXPERIENCE To arrange your vehicle financing on the web, over the phone, by fax or , you can talk with one of our lending service specialists. They are happy to answer any questions and step you through the car loan process. You are now the owner of a new vehicle... NOW WHAT? Introducing...After You Buy! We have added a new section to DriveAltra.org that will give you tips and more information on what you can do once you have bought your car. Information such as setting up automatic payments, updating your car insurance, as well as advice and tips on car maintenance and taking advantage of your membership benefits Elizabeth Marson NMLS# Chris Kelley NMLS# Becky Kabat NMLS# CALL TOLL-FREE: MONDAY THROUGH FRIDAY, 7:30 am TO 6:00 pm CST.

5 When you re buying a house, You re setting up your home. you re doing more than buying a roof and walls. So rely on Altra Federal Credit Union, where the focus is on you and your needs. Altra s team of experienced lenders and dedicated support staff will guide you through the home buying process. Low rates and local experience before the sale Local servicing after the sale...and a team you can trust. To learn more and start the application process online, visit Altra.org or contact Donnie or Martha to set up an appointment. Donnie Miliara Tyler NMLS# Martha Meador Tyler NMLS# *Membership eligibility required. Mortgage loans available to qualified borrowers. Contact Altra for more information. the altra difference ROAMpay powered by Sage Mobile Payments ROAMpay converts your cell phone into a secure Point of Sale terminal. With ROAMpay, merchants can now quickly and securely process electronic transactions on their mobile phone, regardless of location. BENEFITS INCREASED SALES ANYTIME, ANYWHERE TRANSACTIONS SECURE & PCI-COMPLIANT DEVICE FAST PROCESSING MINIMAL COST IDEAL FOR YOUR SMALL BUSINESS To learn more, visit: Use Altra Business Banking for all your financial needs! Dustin Jones Business Development Officer P: Being a preferred SBA lender represents our dedication to serving the small business community. This expertise gives us the tools to better serve all our member s needs. FRIENDLY MEMBER-FOCUSED FULL SERVICE BUILDING RELATIONSHIPS TO GIVE YOU THE BEST SERVICE YOU DESERVE!

6 AnytimeDeposit DEPOSIT A CHECK Anywhere Anytime 24 HOURS A DAY 7 DAYS A WEEK! From the comfort of your own home or anywhere else you choose! Visit for complete details and eligibility requirements Troup Highway 3829 Highway 64 West Tyler Federally insured by NCUA to at least $250,000 and backed by the full faith and credit of the United States Government. Equal Housing Lender Oak Forest Dr. Onalaska, WI PRSRT STD U.S. POSTAGE PAID LA CROSSE, WI PERMIT #588

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