Finance a new or pre-owned vehicle or motorcycle and you can lower your rate or possibly have your loan balance PAID IN FULL 2!

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1 2015 WinterNewsletter PAID IN FULL 2 Finance a new or pre-owned vehicle or motorcycle and you can lower your rate or possibly have your loan balance PAID IN FULL 2! Have you been waiting for the right time to buy a new or pre-owned vehicle or motorcycle? This is it! During our PAID IN FULL 2 Auto Promotion, you can reduce the interest rate on your auto loan, making your payments even lower! You may even be one of many other lucky members eligible for a chance to have your loan balance PAID IN FULL 2! Here s how it works: Get pre-approved 3 for a new or pre-owned vehicle or motorcycle. It's as easy as applying online at hpfcu.org, calling LOANS or stopping by any of our office locations. At loan closing, you will receive a scratch-off ticket that offers an additional 0.15%, 0.25%, 0.35%, 0.45%, 0.55%, 0.65% or 0.75% off 2 your qualifying rate. Scratch-off the ticket and reveal your promotional offer 2! Your promotional offer 2 could reveal an opportunity to enter the drawing of up to $30, You could be one of many other lucky members eligible for a chance to have your loan balance PAID IN FULL 2. Use Houston Police FCU help with your vehicle purchase. Visit hpfcu.org for blue book pricing, pre-owned vehicle inspection service, new and pre-owned car buying services and low-cost auto protection including extended warranty services. So, hurry and get your loan pre-approved 3! If you re purchasing a vehicle or looking to refinance your current vehicle from another lender, finance at Houston Police FCU and take advantage of this promotional offer 3. Contact us today! This offer ends on July 2, (continued on back) You re invited to this year s Annual Meeting! Before we make 2015 an amazing year, we want to celebrate everything about No celebration would be complete without you. So, join us! The 2015 Houston Police FCU Annual Meeting will be held on Tuesday, February 10, 2015 at the SPJST Hall at 7:00PM CST. All Houston Police FCU members are invited to join us as we take a look back at our 2014 achievements and prepare for the coming years with the election of officers and much more. Celebrate with us over food, fun and several chances to win great door prizes! Date: Tuesday, February 10, 2015 Time: 7:00PM CST Place: SPJST Hall, 1435 Beall Street, Houston, TX If you need assistance or have questions about our event, call LeDetri Jenkins at

2 2015 Holidays New Year s Day Thursday, January 1 Martin Luther King, Jr. Monday, January 19 Saturday, January 17) Memorial Day Monday, May 25 Saturday, May 23) Independence Day Friday, July 3 Saturday, July 4) Labor Day Monday, September 7 Saturday, September 5) Veterans Day Wednesday, November 11 Thanksgiving Holiday Thursday, November 26 Friday, November 27 Saturday, November 28) Christmas Holiday Thursday, December 24 Friday, December 25 Saturday, December 26) Shape up your credit in the New Year with Houston Police FCU Start the year with the financially healthy goal of getting your credit in shape. Good credit can improve your financial well-being and boost your purchasing power. Sculpting a strong financial future and putting some muscle on your credit history are as important as staying physically fit. The easiest path to a solid credit history is through responsible use of credit cards. If you can demonstrate a positive track record of credit card use, you can reduce the interest rate charged on the credit cards themselves as well as the rates on car loans and even mortgages. Follow these tips to shape up your credit in the New Year: Use your credit card regularly, but not excessively Make on-time payments each month Pay more than the monthly minimum amount Exercise restraint and good judgment when using your credit card Avoid credit cards with high interest rates Compare your current card s annual interest and fees to other cards; all cards are not equal Keep your total credit card payments within 10 percent of your monthly net income Track your credit card charges throughout the month Check your credit history annually; you are entitled to one free credit report each year Houston Police FCU can help you get fiscally fit this year. Call or stop by to learn how a Houston Police FCU Credit Card can help you get fiscally fit. With low rates and great benefits, our cards can help you build a healthy financial future and increase your purchasing power! APP. SNAP. DEPOSIT. We know how busy you are. There aren t enough hours in the day to do everything on your list, including stopping by the Credit Union to make a deposit. As a member, you shouldn t have to worry about that. So, we ve added a new mobile service. You can now deposit a check into your Credit Union account anytime, anywhere! Like our other services, it s fast and easy: 1. Download the mobile app from itunes or Google Play. 2. Log into ebranch. 3. Select New Deposit. 4. Snap a picture of the front and back of your check, amount of deposit, and confirm it. Note: Remember to endorse the back of the check with your signature and write "For Remote Deposit Only" along with your account number before snapping the picture! Your deposit will be in your account the same business day if made before 3:00PM CST on business day or the next business day if made after 3:00PM CST. Download our mobile app today!

3 $5,000 SHOPPING SPREE 2 Get a Home Equity Loan from Houston Police FCU and you could win a $5, SHOPPING SPREE 2! Home Equity Loans Member does NOT pay closing costs AS LOW AS 6.0% APR 1 FIXED Member pays closing costs AS LOW AS 3.5% APR 1 FIXED Plus, you will get a $ gift card 2 at closing! Home Equity Line of Credit Loans AS LOW AS 3.5% APR 1 With our low rates and professional service, a Home Equity Loan at VARIABLE your Credit Union has always been a valued offer. With rates as low as 3.50% APR 1, it s the perfect loan to use to consolidate bills, for home improvements and additions, or for whatever reason you may have. But now, it s even better! When you close on a fixed rate Home Equity Loan or a variable rate Home Equity Line of Credit between January 20, 2015 and May 2, 2015, you will receive a $ gift card 2 and an automatic entry for a chance to win a $5, Ashley Furniture HomeStores Shopping Spree 2! Make an appointment with one of our loan professionals today. Just call Someone will win the $5, SHOPPING SPREE 2 it could be YOU! (continued on back) Houston Police FCU s suggestions for better credit in the New Year Consumer debt is growing at an alarming rate. Sometimes it s hard to see it coming before you suddenly find you re a statistic. Ask yourself these questions: Is your spending out-of-control? Do you feel like you re in over your head? Are you missing scheduled monthly payments? If you answered yes to any of these questions, you may be headed for serious financial trouble - a bad credit rating that will follow you for years to come. It s never too late to start on the road back. Houston Police FCU suggests these ideas to help you get started. First, realize that you re not alone. The Federal Reserve estimates that U.S. consumers are currently carrying a debt load that is 37% heavier than it was just five years ago. Prepare a written budget, and then stick to it! The best way to keep your credit good is to live within your means. Once you actually start recording your expenditures, you may spot some items right away that can be trimmed. Be diligent about making your scheduled monthly payments on time. From your written budget, organize your scheduled monthly payments according to their due dates. Depending on when you get paid each month, determine which bills get paid out of each paycheck. As soon as you get paid, pay your bills first. Help is available from Houston Police FCU If you re having trouble making ends meet, give us a call. There are many different ways we can help you manage your debt. We ll look at your unique situation and help you find the best remedy.

4 Houston Police FCU s recommendation to protect yourself from fraud The technology that we enjoy today, making our lives more entertaining and allowing us to communicate from almost anywhere, also has its risks. Identity thieves have learned how to take advantage of this technology and use it against us, devising numerous ways to obtain personal information they then misuse. You should be aware of three oddly-named forms of identity theft phishing, pharming and vishing. These are three of the common methods that criminals use to steal your personal information without ever having to touch your wallet or purse. Phishing Phishing is an online form of deception. In phishing scams, someone sends you an to entice you to provide personal information. They usually try to disguise themselves as legitimate businesses, claiming that they need you to update your account information. They want passwords, credit card information, Social Security Numbers, and bank account information. Typically, they link you to another website to update your information. These websites may look genuine, but they are fake. Houston Police FCU will never ask our members to provide confidential account information via . If you receive an that appears to be from Houston Police FCU that asks for personal information, notify us immediately. If you receive something from another financial institution that you do business with, you should also notify them. A reputable business will never send you an asking you to update your personal account information. Pharming Pharming is a form of identity theft that redirects people from one Internet website to another without their knowledge. Pharmers set up the phony websites to look virtually identical to the legitimate site that the user had intended to visit. The user, thinking the site is the correct one, enters their user name and password, and that information is then captured by the criminals. This give them access to your account and all the information it contains. To fight pharming, be observant of the web page address that is shown in the address line. If it seems at all suspicious, do not provide any personal information and close your web browser immediately. Here are some additional tips to protect yourself from Phishing and Pharming expeditions: If you get an or pop-up message that asks for personal or financial information, do not reply and do not click on the link in the message. Use computer anti-virus software and a firewall, and keep them up to date. Don t sensitive personal or financial information. When providing personal information online, check to be sure that the website is secure, by looking for a lock or key icon at the bottom of the browser. Review credit card and bank account statements as soon as you receive them. Be cautious about opening any attachment or downloading any files from s you receive, regardless of who sent them. Vishing A new fraud threat, called vishing, is now on the rise. Vishers use an innovation called Voice over Internet Protocol, or VoIP, to cover their tracks as they or call people pretending to be from their bank or financial institution and ask for personal information. This new technology makes long-distance calling cheap for the thieves and easy to thwart caller ID and disguise identity and location. To steer clear of vishing: Be suspicious of any or telephone call that asks you to phone the financial institution, and double check the number listed in the or telephone message. Be skeptical of any caller who says he or she is from your financial institution. Our 24-hour automated verification system and live outbound Security Department may verify transaction history and/or ask random security questions that only the account holder should be able to answer. Listen carefully to verify the accuracy of the information being provided. If the call seems at all suspicious, hang up immediately and call Houston Police FCU during normal business hours at or Never give out your credit, debit card, or PIN numbers to anyone that calls you. Report any suspicious calls to Houston Police FCU so we can alert other members.

5 Meet Pat Owens, On-site Mortgage Loan Officer for Houston Police FCU. Pat began her real estate career in 1972 and has held various positions in her years in lending including everything from loan officer to closer and everything in between. She also served in real estate sales for six years giving her insight into working with realtors and contracts. These years of experience have also made her an expert in working with various types of loans including FHA, VA, USDA and construction loans. Whether you are shopping for the perfect home or looking to refinance your current one, Houston Police FCU has exclusive offers just for our members to give you the best home loan program to help you reach your financial goals. Start your year off with a search for your perfect home and the perfect home loan! Call Pat today to receive your free consultation. Pat Owens On-Site Mortgage Loan Officer, NMLS or Ext pato@homeloancu.com Meet Gilbert DeLaGarza, On-site Liberty Mutual Insurance Agent for Houston Police FCU. Hours: Every Thursday from 10:00 am to 4:00 pm and/or by appointment. Gilbert has been with Liberty Mutual since April He is committed to providing you with quality protection and service at an affordable price. Liberty Mutual Insurance s partnership with TruStage Auto & Home Insurance Program makes Houston Police FCU the place for auto and home insurance. That s because the TruStage Auto & Home Insurance Program is built on many of the same foundations as we are: competitive rates, excellent service and solid value. You want auto and home insurance that you can depend on and rates you can afford. With discounts for being a member and easy switching from your existing carrier, it s worth a quick call or visit. To learn more about complete coverage plans designed to protect your auto and home, just give Gilbert a call. Gibert DeLaGarza Kingsland Blvd, Ste D Katy, TX Ext or TruStage Auto & Home Insurance Program is made available through TruStage Insurance Agency, LLC and issued by leading insurance companies. Houston Police FCU members save big with the Sprint Credit Union member discount. Tired of paying too much for your cell bill? We don t blame you. So we re helping you save with the Sprint Credit Union Member Discount from Love My Credit Union Rewards. As a Houston Police FCU member, you can save on your monthly wireless bills plus have your activation and upgrade fees waived. Our members can get: 10% discount on select regularly priced Sprint monthly service Activation fee on new lines waived (up to $36 in savings) Upgrade fee waived (up to $36 in savings) 3 Ways to Get Your Discount: Call 877.SAVE.4CU ( ) and let them know you re a credit union member. Ask to be a part of the NACUC_ZZM Corporate ID to save Visit LoveMyCreditUnion.org/Sprint Visit your nearest Sprint store Current and new Sprint customers need to verify credit union membership to take advantage of these exclusive discounts. Visit or download the Love My Credit Union Rewards app in the Apple App Store or Google Play to verify your membership. Stop paying too much for your wireless services, start saving with the Sprint Credit Union Member Discount today. Statement of Condition (as of December 31, 2014) Assets $569.2 million Loans $275.0 million Deposits $490.2 million Members 24,702

6 Editor...LeDetri Jenkins Main Office 1600 Memorial Drive Houston, Texas Office Hours: 7:00 am to 4:30 pm, Mon-Fri Drive-Up Hours: 6:00 am to 7:00 pm, Mon-Fri Saturday Hours: 9:00 am to 1:00 pm (except Holiday weekends) Willowbrook Office (Willowbrook Place Bldg) Highway 249, Suite 107 Houston, Texas Office Hours: 8:30 am to 4:30 pm, Mon-Fri Travis Office 1200 Travis Houston, Texas Office Hours: 8:00 am to 4:30 pm, Mon-Fri Restricted access: This location available to HPD employees with access to the HPD Headquarters (Administration Building) only. Houston Police FCU members save big with the TurboTax discount This year, be confident your taxes are done right and get a chance to win big! TurboTax coaches you to the biggest refund you deserve, double checking as you go and searching over 350 deductions and credits. Try TurboTax Online now for free and be entered into the TurboTax $25K Giveaway! 1 Just follow the TurboTax link on our homepage at to get started. 1 TurboTax $25K Giveaway. NO PURCHASE OR FINANCIAL DISCLOSURE NECESSARY. Open to legal residents of the fifty (50) United States or the District of Columbia, 18 years of age or older at time of entry. Void in Puerto Rico and where prohibited by law. Giveaway ends 2/26/15. Subject to complete Official Rules and all applicable federal, state and local laws. For Official Rules including odds of winning, alternate method of entry, and prize descriptions, visit PRIZES: One (1) Grand Prize: A check for $15,000. Retail value, $15,000. Ten (10) First Prizes: A check for $1,000. Retail value, $1,000 each. Maximum retail value of all prizes is $25,000. The odds of winning a prize depend upon the total number of eligible entries received by the end of the Promotion Period. SPONSOR: Intuit Inc., 7535 Torrey Santa Fe Rd, SDG-2A-03-22F, San Diego, CA, Federally insured by NCUA Intuit Inc. All rights reserved. State filing charges apply. Limited time offer for TurboTax Terms, conditions, features, availability, pricing, fees, service and support options subject to change without notice. Intuit, TurboTax and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries. Other parties' trademarks or service marks are the property of their respective owners. Check out our awesome Auto and Home Equity Loan promotions inside! 2015 Shred Days Hours: 10:00 am - 2:00 pm March 20, 2015 June 19, 2015 September 18, 2015 December 18, Memorial Drive Houston, TX PAID IN FULL Promotion 2 (continued from front page) 1 APR = Annual Percentage Rate. Rate based on loan term of 60 months or less for new and pre-owned vehicles and motorcycles year 2009 and newer. Rate may vary based on longer term. Vehicle loan payment example: At 1.74% APR on a $10, loan with a 60-month term, monthly payment would be approximately $ Rate current as of January 1, 2015, and are subject to change based on market conditions and borrower eligibility. 2 No purchase required to enter the Paid in Full Auto Loan Promotion. Members of Houston Police FCU that finance a new or pre-owned vehicle or motorcycle, or refinance a new or pre-owned vehicle or motorcycle from another lender between January 20, 2015 and July 2, 2015 are eligible. Loan must be funded no earlier than January 20, 2015 and no later than July 2, 2015 to be eligible. Loans funded prior to January 20, 2015 or after July 2, 2015 are ineligible and will be excluded from the promotion. The promotion is limited to new or pre-owned vehicle and motorcycle purchases, and vehicles and motorcycles refinanced from another lender only. Vehicles and motorcycles currently financed with Houston Police FCU are ineligible for the promotion. Members and non-members who wish to participate in the promotion must submit a 3 x 5 index card with Paid in Full Auto Loan Promotion, their name, address and phone number to: 1600 Memorial Dr., Houston, TX, 77007, Attn: Marketing Department or to any office location. Only one entry per person. All entries must be received by July 2, At the time of loan closing, member will be allowed to randomly select one scratch-off ticket per qualifying vehicle or motorcycle loan. Two or more members jointly purchasing a vehicle or motorcycle may only select one offer. Promotional offers include: 1) a rate discount of 0.15%, 0.25%, 0.35%, 0.45%, 0.55%, 0.65% or 0.75% off your qualifying APR 1, or 2) a rate discount of 0.55%, 0.65% or 0.75% off your qualifying APR 1 or an entry into the drawing, by forfeiting the rate discount, for a chance to have your loan balance paid off up to a maximum of $30,000.00, not to exceed the current payoff balance of the auto loan. $3, cash prize will be substituted for a winning member or non-member without a qualifying auto loan. Winner must be at least 18 years of age. See Official Promotion Rules for specifics and eligibility online at hpfcu.org. Check with a Houston Police FCU representative for full details. Promotion ends July 2, Credit score will be established by Equifax Beacon FACTA 09 model #MD Qualifying Houston Police FCU criteria applies for all loans. Maximum qualifying term may vary based on year of collateral. Refinance restrictions apply. Current Houston Police FCU loans cannot be refinanced at this rate. Other qualifications may exist. Membership eligibility is required. $5, SHOPPING SPREE 2 Promotion (continued from inside) 1 APR = Annual Percentage Rate. Credit score will be established by Equifax Beacon FACTA 09 model #MD Rate current as of January 1, 2015, and are subject to change based on market conditions or borrower eligibility. 3.50% APR for Home Equity Loan is fixed and requires member to pay for all underwriting services including, but not limited to, appraisals, flood, title search/insurance, credit report and filing fees. Rate will vary if member elects not to pay for underwriting services. 3.50% APR for Home Equity Line of Credit (HELOC) is variable. Variable APR equal to The Wall Street Journal Prime Rate (currently 3.25%) plus a fixed percentage, or margin, with a minimum APR of 3.50% and a maximum APR of 18.00%. APR may be higher based on the prevailing variable-rate index value, credit qualifications, the amount of the loan or credit line, combined loan-to-value, and/or property type. Minimum closed-end Home Equity Loan is $5, Minimum HELOC is $10, Maximum closed-end Home Equity Loan or HELOC, together with any other mortgage(s), cannot exceed 80% of the property value on the family, owner-occupied property. Homeowner s property insurance is required. Flood insurance may be required. Non-owner-occupied properties are ineligible for this offer. Offer does not apply to existing Houston Police FCU Home Equity Loans or HELOCs. Membership eligibility is required. 2 No purchase required to enter the $5, Shopping Spree Home Equity Loan Promotion. Members of Houston Police FCU that finance a Home Equity Loan or Home Equity Line of Credit (HELOC) between January 20, 2015 and May 2, 2015 are eligible. Loan must be funded no earlier than January 20, 2015 and no later than May 2, 2015 to be eligible. Loans funded prior to January 20, 2015 or after May 2, 2015 are ineligible and will be excluded from the promotion. The promotion is limited to new Home Equity Loans or HELOCs only. Home Equity Loans or HELOCs currently financed with Houston Police FCU are ineligible for the promotion. Members and non-members who wish to participate in the promotion must submit a 3 x 5 index card with $5, Shopping Spree Home Equity Loan Promotion, their name, address and phone number to: 1600 Memorial Dr., Houston, TX, 77007, Attn: Marketing Department or to any office location. Only one entry per person. All entries must be received by May 2, At loan closing, member will receive a $ gift card per qualifying Home Equity Loan or HELOC. Members closing jointly with one or more persons will receive only one offer. Each qualifying Home Equity Loan of HELOC will receive one entry into the drawing for a chance to win a $5, Ashley Furniture HomeStores shopping spree. $ cash prize will be substituted for a winning member or non-member without a qualifying Home Equity Loan or HELOC. Winner must be at least 18 years of age See Official Promotion Rules for specifics and eligibility online at hpfcu.org. Check with a Houston Police FCU representative for full details. Promotion ends May 2, Call for current loan and savings rates. Or, visit our website at hpfcu.org.