Products & Services. Enabling our members to secure their financial future and realize their dreams.

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1 Products & Services Enabling our members to secure their financial future and realize their dreams.

2 MEMBERSHIP FedEx Employees Credit Association membership is available to employees and retirees of the FedEx Corporation and its family of companies. FedEx employees immediate family members and others are also eligible for membership, including: Spouse Grandparents Children Grandchildren Parents Household Members Siblings To establish membership with us, an initial deposit of $25 into a Share (savings) Account is required as well as payment of the $1 non-refundable membership fee. Or opt for payroll deduction and/or direct deposit and we ll waive the $1 membership fee. Regardless of your employment status with FedEx, once you re a member of the Credit Association you re always a member. As long as your Share Account maintains the minimum balance and remains in good standing per the terms in the Membership Agreement, then you re a member for life. At FedEx Employees Credit Association your accounts are protected up to $500,000 the highest level of combined federal/private share insurance available. The federally established National Credit Union Share Insurance Fund (NCUSIF) provides up to $250,000 of this protection and FECA provides additional coverage up to $250,000 through Excess Share Insurance Corporation (ESI), a licensed property and casualty insurer. Because Individual Retirement Accounts (IRAs) are insured separately, your savings and retirement accounts at the Credit Association can have total insurance coverage up to $1,000,000! IRAs An Individual Retirement Account (IRA) is a Share Account with possible tax advantages. IRAs are available for anyone under age 70½ who earns compensation from self-employment, salary or wages and to that person s unemployed spouse. We offer both Traditional and Roth IRAs. Consult your tax advisor to determine which option is best for you.

3 SHARES Share Account A Share (savings) Account is the required account for membership. Once this account is open, you ll have access to the many products and services that we have available. Education Savings Account A Coverdell ESA is a great way to save for future education expenses with possible tax advantages. Eligible beneficiaries are limited to those under the age of 18 or those with special needs. Consult your financial advisor to see if you qualify. Money Market A great choice for those with higher balances who want to keep their money easily accessible while still earning a high yield. Offers ATM withdrawal, monthly dividends, and unlimited check writing privileges, so you ll always have access to your money when you need it. Christmas Club You don t have to wait until Christmas - start saving now with a Christmas Club account. Simply let us know how much you want deducted from each paycheck and we ll do the saving for you! Vacation Club Vacation Club accounts offer the same great features as our Christmas Club with the added bonus of selecting the date when you would like your balance to mature. Start planning for your next adventure today! Share Certificates Keep your money working for you by earning higher dividends with a share certificate. Terms of 6, 12, or 24 months are available. YOUTH PROGRAM Our members ages 22 and under can be part of our SWAG Club. We want to teach our younger members how to Start With A Goal so they can watch their savings grow! Special rates on share certificates, a free checking account for ages 15 and up, and financial education materials are available to these members. It s a great way to get young people started on the path to financial success.

4 We offer several checking account options to fit your needs with benefits including: FREE Overdraft Protection from Savings (subject to Reg. D) or Line of Credit FREE VISA ExpressCheck card with ValueRewards FREE REX Online Services FREE MARS Telephone Services FREE Online Bill Pay with E-Statement enrollment* *Activity required to avoid $5 monthly fee. Direct Hurray for checking with no monthly fee*! Enjoy unlimited check writing and no minimum balance requirement. *Must have direct deposit. CHECKING Basic For only $2 a month, our Basic account offers all the basic perks and features for only pennies a day. Enjoy unlimited check writing, no minimum balance requirement, and earn dividends quarterly with a qualifying balance. Express Club For only $6 a month, this dividend earning account is an added-value account with lots of additional benefits including unlimited check writing, no minimum balance requirement, free custom FedEx checks, additional $5,000 AD&D Insurance, $30,000 air travel insurance, buyer s protection extended warranty, travel and entertainment discounts, and more. Youth A free checking account exclusively for our members ages Enjoy benefits including one free box of Custom FedEx checks per year, and no monthly fee. Does not earn dividends. New Direction This account gives you a second chance to enjoy the conveniences of owning a checking account. Use it to establish positive checking history, pay off existing checking account debt, and then apply for any of our other checking accounts. CheckSwitch Kit To switch your current checking account to FECA, use our convenient switch kit to get your new account opened quickly and easily. As a bonus, we will pay you $0.01 per unused check for each of your previous checks that you turn in.

5 MORTGAGES & HOME EQUITY Buying a house is one of the biggest financial decisions of your life. Whether it s a first home or a second, a condominium or a secondary property; we offer traditional mortgages as well as a variety of other mortgage products to help finance your dreams. Current rates can be located at Express Mortgage Need an answer quickly on a short term mortgage loan? Our low rate Express Mortgage will get you through the financing process in no time. Features a 10 year term on finances and re-finances. Mortgage Refinancing At the Credit Association, we offer Mortgage Refinancing for 1 st and 2 nd mortgages. Call today and lower your monthly mortgage payment. Home Equity Loans & Lines of Credit As a homeowner, you may be able to use the equity in your home as collateral for a Home Equity Loan or Line of Credit. Choose between a loan that offers a fixed rate of interest for a set term or a line of credit that allows you to borrow cash as needed as unexpected expenses arise. Land Loan Purchase the property you ve always wanted with one of our Land Loans. Our Land Loan features a competitive interest rate and terms. Lot Loan Purchase the perfect location for your new residence with a loan that gives you a lower monthly payment. This interest only loan is available in terms of 2 years or 5 years. The perfect loan for the short term. Additional mortgage products may be available. Please contact us when you have questions relating to home or property financing. Rates and terms on all of our loan products can change without notice.

6 LOANS Auto Loans We offer affordable rates and terms to finance your new or used car, truck, or SUV. Plus we ve added several options for members facing challenges with their credit. 1st Time Auto Buyer Program - For those financing a vehicle for the first time. Credit Restoration Auto Loan - A potential auto loan solution for those with a past discharged bankruptcy. Can help restore your credit score. New Direction Auto Loan - Less than perfect credit? This may be the right loan for you. Other Secured Loans We offer many other secured loans to finance new/use Boats, RVs, Motorcycles, Jet-Skis, and Planes. Or use the collateral you have available such as the certificate you don t want to cash out or the savings account you promised you wouldn t touch to get the cash you need. Freedom Loan Our Freedom Loan is a fast and convenient alternative to payday lenders for those who need small amounts of cash for the short-term; limited to those meeting certain credit score and other requirements. Additional restrictions apply. Signature Loan/Line of Credit Unsecured loans, with no collateral required, that will help you get the money you need fast. A Signature Loan offers a fixed amount of money at a fixed rate and a Line of Credit is a revolving credit account, like a credit card, with credit limits up to $10,000. Borrow money as you need it and then pay it back to make more cash VISA Classic Credit Card Get the convenience of worldwide acceptance with no annual fee, free balance transfers, free cash advances, and a credit limit up to $10,000. Enroll your card in V.me Digital Wallet for added convenience. Unsecured VISA - Our standard credit card. Secured VISA - Set aside some money in savings and then start building credit history with your card. Credit Restoration VISA - Apply for this card after a bankruptcy to help restore your credit score.

7 Student Loans Fill the gap between the cost of tuition and the amount of money your student received in grants and/or scholarships. Let us help with those college education expenses through our private student loan solution. Credit Restoration Program This is the tool you need to build up your credit score! If you are trying to restore your credit and financial health or improve it enough to qualify for better terms on your next loan then our Credit Repair Program is for you. You can also use it to get the credit you need at affordable rates even with significant credit challenges in your past. Credit Solutions Team A group of employees with significant experience in lending and collections, our team members are certified credit counselors through NACCC (National Association of Certified Credit Counselors). Each team member participated in NACCC training to learn skills to empower our members toward positive change. Our team can help members struggling with debt by providing free consultations about their specific situation with the goal of helping them improve their credit and their financial quality of life. fecca.com to to schedule an appointment with a certified credit counselor. Applying for a Loan Apply online through REX online services, through our MARS telephone services, or in one of our branches. To apply for a loan by phone, call (800) or (901) A $5.00 application fee applies to all loan applications. PIN access is the same as that for MARS Telephone Services. If you do not already have access to MARS, or call (800) or (901) Extended Auto Warranty Even the most reliable vehicle can develop a mechanical problem. Protect your investment with one of the most comprehensive extended warranty plans around. Ask your loan officer for details. Guaranteed Auto Protection Take advantage of Guaranteed Auto Protection (GAP) Insurance the next time you get an auto loan from the Credit Association. It s a great way to help protect your new investment. Ask your loan officer for details.

8 ACCOUNT SERVICES ATM ExpressTeller Card Between Credit Association ATMs, CU24, Allpoint, and CO-OP surcharge free ATMs, account access is very convenient. Look for the CO-OP, CU 24 Here, CU 24 Premium, and Allpoint ATM logos. There is a 50 charge for transactions and balance inquiries at non-credit Association ATMs VISA ExpressCheck Card Purchases and ATM withdrawals are automatically deducted from your account when you use your card. Use your card everywhere the VISA logo is accepted. All non-pin, signature based credit purchases earn points through our rewards program. Enroll your card in V.me digital wallet for added convenience. ValueRewards Program Be rewarded for the transactions you make with your VISA ExpressCheck Card. All non-pin signature based credit purchases earn points. An easy-to-redeem points process makes this FREE program convenient and fun. Redeem points for travel, gift cards, and more. REX Online Services Access your account through your home computer or download our mobile app to access your account on your smart phone. Make balance and transaction inquiries, account transfers, view e-statements, reorder checks, apply for a loan, and much more. REX includes Bill Pay service at no charge when you enroll in free e-statements. Pay as many bills as you want, to as many places as you want, as often as you want! If online bill pay service is inactive for 90 days, a $5.00 monthly charge will apply. Cell phone carrier charges may apply for mobile access. REXAnywhere Deposit An additional feature of REX Online Services. Deposit checks conveniently by using the camera on your mobile device and our REXAnywhere Deposit service in our mobile app. It s as easy as that. Why drive to a branch when you can make your check deposit wherever you are?

9 MARS Telephone Services Quickly check your balance, transfer funds, apply for your next loan, verify transactions, and request withdrawals 24 hours a day. Pick up the phone and dial (800) or (901) To add these features to your account, call (800) or (901) , or apply online at click Join Now. Payroll Deduction A convenient way to add money to your accounts or make loan payments automatically from each paycheck. Build savings and make loan payments effortlessly by signing up for Payroll Deduction today. Overdraft Protection A complimentary life saver on our checking accounts, our FREE Overdraft Protection eliminates the embarrassment and imposed returned check fees from a bounced check; pull from your savings account or line of credit. Subject to Reg D limits. Service available upon member request. Courtesy Pay Account a little short? Courtesy Pay covers debits to your checking account to help you avoid the embarassment of a payment being rejected. Each use of courtesy pay incurs a fee. Members must opt-in to include VISA ExpressCheck card transactions in this coverage. Ways to Move Your Money Need to move some money? No problem. We make it easy. Wire Transfers/ACH -Send money from your account to anywhere in the world. Ask about free ACH debits/credits or use our online request form to intiate a wire to/from your account. Member to Member Transfers - Move money quickly and easily from your FECA account to another FECA member s account. Financial Instution Transfers - Move money quickly and easily between your FECA account and your account at another financial institution.

10 INSURANCE Home, Auto, & Whole Life Insurance We ve partnered with TruStage Insurance to provide our members with affordable auto, home, and whole life insurance products to keep you and your family protected from the unexpected. Enjoy online service and 24-hour claims service. See if we can help you save today by calling or visit them online at AD&D Insurance AD&D Insurance is an economical way to provide extra coverage for the unexpected. Accidents can happen to anyone and at the Credit Association you are eligible to be protected with $2,000 of FREE AD&D insurance. Account holders must enroll to make coverage effective. Additional coverage is available for a premium. Group Term Life Insurance Take advantage of Selman & Company s Group Term Life Insurance policies. It s convenient, economical, flexible and tailored to your specific needs. Apply online at or call (877) for your personal rate quote today. Benefit amounts of $50,000, $100,000, and $150,000 No medical exams Level coverage to age 80 Monthly premium deducted from your Credit Association account Dependents automatically covered up to $10,000 each when you enroll Credit Disability Insurance Plan for the unexpected with Credit Disability Insurance from MEMBER S CHOICE. Makes your covered loan payments if you become disabled Helps protect credit rating and collateral Reduces financial burden during recovery No complicated enrollment forms or physical exam required No separate payment - premium is added to your loan payment

11 CONVENIENCE As the exclusive Credit Association for FedEx, we go to great lengths to make doing business with us as easy and convenient as possible. In order to stay in touch with our members across the country, we have joined outstanding networks of Shared Branches and ATMs. Shared Branches Personal service may be closer than you think. By joining together with other credit unions across the country, we give you access to over 5,000 shared branch locations. Shared Branches are Credit Union Service Centers that allow our members to conduct business at their location as if they were at a branch of our own. The following services may be available to our members throughout the United States: Cash checks and make deposits Cash and check withdrawals* Make loan payments Make transfers to and from accounts Purchase Money Orders and Traveler s Cheques Obtain cash advances and balance inquiries *Some cash limits and funds holds may apply. To locate a Shared Branch near you, visit and select ATMs & Branches. ATM Networks We participate in several ATM Networks - CO-OP, CU24, Allpoint, Pulse, Cirrus, and Star - to provide more options to fit your ATM needs. Additionally, the Credit Association operates numerous ATMs across the nation. For surcharge-free ATM access, look for the CO-OP, CU 24 Here, CU 24 Premium, and Allpoint ATM logos. Being a part of these networks gives our members surcharge free access to their accounts through an ever-expanding network of safe, convenient ATMs across the country. For an ATM near you, log on to and select ATMs & Branches. There is a 50 charge for transactions and balance inquiries at non-credit Association ATMs.

12 (901) (800) Main Branch 2731 Nonconnah Blvd Memphis, Tennessee Cordova, Tennessee 8195 Dexter Rd; Suite 101 Cordova, Tennessee FedEx World Tech Center 50 FedEx Parkway Collierville, Tennessee FedEx World Headquarters 3670 Hacks Cross Road Building G Memphis, Tennessee Indianapolis, Indiana 3724 South High School Road Indianapolis, Indiana Harrison, Arkansas 2200 Forward Drive Harrison, Arkansas Los Angeles, California 740 North Sepulveda Blvd El Segundo, California Pittsburgh, Pennsylvania 1000 FedEx Drive Moon Township, PA Rev. 1/2014

Products & Services. Enabling our members to secure their financial future and realize their dreams.

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