H liday Loans. $2, month terms Rates as low as

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1 PUBLISHED FOR THE MEMBERS OF THE PORT ARTHUR TEACHERS FEDERAL CREDIT UNION WINTER 2016 ISSUE tis the season for H liday Loans The Holidays are almost upon us, and that can mean the need for a little extra cash. It s PATFCU to the rescue with our Holiday Loan Special! Borrow up to $2,500 and take12 months to pay it back. Borrow up to $2, month terms Rates as low as 5.75% APR* *APR = Annual Percentage Rate. Offer good through December 31, 2016, with approved credit. Some restrictions may apply. MasterCard Gift Cards Stumped on what to give for the holidays? Aunt Betty doesn t need another sweater! This year, give her something you know she ll appreciate a PATFCU MasterCard Gift Card. The absolutely perfect choice for everyone on your gift list. No Purchase Fee for November and December! No Purchase Fee During November & December!

2 HOLIDAY Skip A Pay PATFCU is happy to offer the HOLIDAY SKIP-A-PAY PROGRAM. The holidays can be expensive and by taking advantage of this new program, you can skip a month of PATFCU loan payments and free up your cash for holiday shopping! For a nominal $25.00 processing fee, you can skip a full monthly payment on your qualifying credit union loans for either November or December. Just like that you ll have the extra money you need for holiday expenses! Simply complete and sign the skip-a-pay form on the reverse side and mail it or deliver it to the credit union along with your processing fee(s). We ll take care of the rest! (See reverse side for complete details and request form)

3 Skip-A-Payment Request Form Yes! I d like to skip-a-payment on my PATFCU loan(s). I understand that MasterCard, Real Estate loans, Home Equity loans, Share Secured loans and loans paid by insurance claims do not qualify. Please read further qualifications at bottom of request form. MEMBER NAME COBORROWER OR COSIGNER NAME DAYTIME PHONE NO. Please check month of payment you wish to skip: November 2016 December 2016 (Request must be received by Nov. 10th) (Request must be received by Dec. 10th) Enclosed is a check for the $25.00 skip-a-pay processing fee (per loan) Please deduct $25 fee(s) from my: Savings Checking Account number if different than above: MEMBER SIGNATURE DATE CO BORROWER SIGNATURE DATE Please mail form and fee to: 3001 Jimmy Johnson Blvd. Port Arthur, TX By signing this request form you have authorized PATFCU to extend your final loan payment(s) by one month. The interest on your loan will continue to accrue during the month you choose to skip. All accounts must be in good standing; loans must be current and have been in existence for 6 months. The $25 fee is due at time of request. Any request received that does not include the fee or does not have available funds in the account specified will not be honored. If your check is returned unpaid, this offer will be revoked and your due date will be reset to the date on which it was due before it was advanced. Request forms must include all borrower signatures. PATFCU reserves the right to decline any request. For members who have GAP, claim coverage does not extend to the amount of payment deferred. Payments made through payroll deduction or automatic transfer will remain in the account in which payment is normally withdrawn.

4 International Credit Union Day We will be celebrating International Credit Union Day on Thursday, October 20. Stop by our branch lobby and help yourself to punch and cookies. You can also sign up for door prizes. In addition, all members receive a gift it s our way of saying thanks for being a loyal member. Thursday, October 20 Take an extra 1% OFF on Auto Loans! Drive in to PATFCU for a great rate on new or used vehicle loans and we ll give you an additional 1% OFF the stated loan rate. Our lowest rate of 2.75% APR* would be lowered to just 1.75% APR* with the coupon! 1% OFF the stated loan rate on any new auto loan!* *APR = Annual Percentage Rate. Offer good through December 31, 2016 with approved credit. Rates subject to change without notice. Not valid with any other offer. Some restrictions may apply. Mastercard, Home Equity and Shared Secured loans not included. One discount per member. Minimum new money of $8,000 required for discount. See loan officer for restrictions and more informatiaon.

5 Don t be left out in the cold The temperature is dropping so we ve added a layer of protection for your checking account. We are now offering Courtesy Pay, a $500 overdraft protection service for members with an eligible checking account. Avoid the cost and embarrassment of a returned check from a merchant or retailer. Go online or ask an associate for more information. Reminder! Make sure we have your current cell phone on file. Update your phone number online (Online Access), through (patfcu@patfcu.org) or by visiting the credit union. Having a cell phone number on file will help prevent fraud or disruption in service. UPCOMING HOLIDAY CLOSINGS AND EVENTS Veterans Day November 11 Thanksgiving November 24 & 25 Christmas December 26 New Years Day January 2, Jimmy Johnson Blvd. Port Arthur, TX (866) (409) $250,000