Members gathered in the McCoy Pavilion s auditorium for APFCU s 77 th Annual Meeting on March 17.

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1 APRIL 2015 It was great to see many of you at the Annual Meeting. We hope you learned a little more about your credit union, and found the updates on our future direction informative. Mayor Kirk Caldwell and City Council Chair Ernie Martin honored us with speeches on the benefits of credit union membership. We d like you to know that we are moving our Las Vegas branch to 9555 South Eastern Avenue in the Richmar Plaza shopping mall in Henderson. We believe that moving to Henderson will provide better access for more of our members. The branch relocation is anticipated for the Fall of this year. We are looking at refreshing the look and feel of our branches to improve the branch experience. Upgraded technology will allow staff to attend to members needs with more personalized service. The financial reality fair at Waipahu High School was a great success. We plan to offer this free program to other schools. Let us know if your school is interested or contact us for more information. If you would like to be considered for a Masami Oishi Memorial Scholarship, please submit your application by April 27. Hope to see you at our upcoming Family Day on May 3, for a screening of Avengers: Age of Ultron. Mahalo! Vince J. Otsuka PRESIDENT S MESSAGE Vince J. Otsuka ANOTHER SUCCESSFUL ANNUAL MEETING, THANKS TO YOU! Our March 17 Annual Meeting at McCoy Pavilion was a great success, thanks to the nearly 400 members who attended and APFCU execs, staff and volunteers who organized and assisted at the event. It was an exciting meeting, with more than a dozen informational and product tables hosted by SEGs (Select Employee Groups) that included Costco Hawaii Kai, Poncho s Solar, Partners in Development and Kupuna Care Hawaii and Members gathered in the McCoy Pavilion s auditorium for APFCU s 77 th Annual Meeting on March 17. APFCU departments such as consumer lend ing, mortgage/properties, Main branch and Kalabash Financial. In addition to a free Tanioka s bento and umbrella gift for each primary member, attendees could spin the prize wheel for an additional gift. And the door prizes, featuring more than 60 items several donated by our participating SEGs were a hit! The grand prize, GETTING REAL AT WAIPAHU HIGH SCHOOL It was a wonderful learning experience for everyone involved. Nearly 200 Waipahu High School students took part in a Get Real Financial Reality Fair in late February to learn about budgeting and the many financial choices and necessities in the real world. And Aloha Pacific FCU executives and staffers were thrilled to assist and were (continued on page 4) APFCU President & CEO Vince J. Otsuka congratulated member Cary Murakami, who won the grand prize of a $1,000 Hawaiian Airlines gift card. impressed by the students enthusiasm and thoughtfulness. The fair was presented by Matanuska Valley Federal Credit Union, which is based in Alaska but also has a branch in Waipahu. This was the first time a fair was held in Hawaii, with Matanuska FCU staffers (continued on page 2)

2 CONTACT US Aloha Pacific FCU Attn: Marketing 832 South Hotel Street Honolulu, HI Oahu (toll free) Fax: (808) BRANCHES & HOURS MAIN* FORT STREET* KAILUA** KAIMUKI** KAPOLEI** WAIKELE** WAIMALU** WEST CHEYENNE*** *M F 7:30AM 5:00PM **M F 9:00AM 6:00PM, Sat & Holidays 9:00AM 2:00PM ***M F 9:30AM 5:30PM BOARD OF DIRECTORS: Gary Iwai (Board Chair), Stan Inamasu (1 st Vice Chair), Allan Fujimoto (2 nd Vice Chair), Darwin Hamamoto (Secretary), Daniel J. Keppel, Sam Moku and Robert S. Morita EXECUTIVE MANAGEMENT: Vince J. Otsuka (President and CEO), Thomas W. Santos (Vice President Sales and Marketing), Norman Goo (Vice President Lending and Collections), Kristopher C. Kono (Vice President Risk Management), Scott Nishimura (Vice President Commercial Lending), Michael Camat (Vice President IT) SUPERVISORY COMMITTEE: Ann Sakurao (Chair), Ted Takahashi (Vice Chair), Diane Murata (Secretary), Ben Dimond and Howard Okamoto Letters and other correspondence for APFCU's Supervisory Committee should be mailed to P.O. Box 4623, Honolulu Hawaii KalaLine is published by the Aloha Pacific FCU. Articles are for information only, not individual advice. Consult with your attorney, accountant, financial advisor or other professional regarding your situation. Copyright 2015 Federally Insured by NCUA Like us on Facebook & Follow us on Twitter Retirement Income Planning Seminar: ARE YOU PREPARED? Wednesday, June 10, 2015 Honolulu Country Club Hosted by: Chad R. Kunihisa, Financial Advisor / CPA, CFP & Jasen Ishihara, Financial Advisor / CFS, CAS Presented by: Joshua Lutzker of Fidelity Investments Registration: 9:00 am 9:20 am Seminar: 9:30 am 10:30 am Cost: FREE* with $15 per person deposit Most people know their ideal retirement age, but it s crucial to know much more than that these days. If you are thinking about retirement or have just retired, then this seminar is for you. Kalabash Financial and Fidelity Investments invite you to our Retirement Income Planning Seminar, where you will learn how to create a retirement income plan and find how it can help you: Minimize the key risks Identify sources of income Stay on track to live the retirement you want TAKE CONTROL OF YOUR FUTURE AND GET ON THE ROAD TO REACHING YOUR RETIREMENT GOALS! FREE continental breakfast and ample parking Sign up today; seats are limited Call Vikki at to RSVP (before you send payment) and for more information. Checks payable to: Aloha Pacific FCU Attn: Vikki Kaya-Lao 832 South Hotel St. Honolulu, HI *Deposit will be refunded at the door, but non-attendance forfeits deposit. Fidelity Investments is not affiliated with Aloha Pacific FCU or Kalabash Financial. This seminar has been funded in whole by Fidelity Investments. Securities, insurance products and advisory services offered by Cetera Advisor Networks LLC, a registered broker-dealer. Member FINRA/SIPC. Cetera is under separate ownership from any other named entity. Not FDIC/NCUSIF Insured No Bank/Credit Union Guarantee May Lose Value Not a deposit Not insured by any federal government agency GETTING REAL (continued from front page) coming from Alaska to lead the way. Each student was presented with a possible life scenario, including a job. Some were married, some single, many had young children, student loans and more. Each also had to decide how much to spend on daily living items such as housing, groceries, clothing, entertainment, health insurance and transportation all while keeping within their household income. It was a shock for many to find out how hard that could be, especially when they were forced to choose between needs and wants. Many thanks to Waipahu High School and Matanuska Valley FCU for allowing APFCU to be part of this eye-opening fair! We hope to carry on with similar fairs for high schools on Oahu. Aloha Pacific FCU assisted at Hawaii s first Get Real Financial Reality Fair at Waipahu High School. 2

3 MEMBER APPRECIATION DAY IS JUNE 6 Aloha Pacific FCU s 8 th annual Member Appreciation Day at the 50 th State Fair is scheduled for Saturday, June 6, at Aloha Stadium. The crowd-pleasing event includes a discounted admission/rides package for APFCU members, and fun and prizes under the big tent. Details and a ticket order form will be in the May issue of KalaLine. Check our website, and Facebook page for updates, too. See you there! RESERVE YOUR TICKETS FOR AVENGERS: AGE OF ULTRON Our May 3 Family Day is looking like a blockbuster! We re screening the superhero thriller Avengers: Age of Ultron, one of the most anticipated movies of the summer. This time the team of Marvel heroes faces a relentless technological villain who is bent on destroying humankind. Order your tickets now: The deadline is Saturday, April 18. Movie: Avengers: Age of Ultron Location: Ward Theatres Date: Sunday, May 3 Time: 8:30 a.m. check-in; 9:30 a.m. showtime Cost: $6 per Aloha Pacific FCU primary member; $8 per joint account owner/guest Order your tickets: Go to alohapacific.com to download the ticket order form or pick up a form at any Oahu branch. Fill out the name and APFCU account number of each primary member and the name of the person who will be picking up the tickets if it s not the purchasing member. If a primary member is 17 years old or younger, please check off the box. Be sure to sign the form. Last year s Member Appreciation Day included hula hoop contests for both kids and adults. Complete the order form and return it with payment to any Aloha Pacific FCU branch on Oahu. For ticket orders by mail, send the completed order form and check payable to: Aloha Pacific Federal Credit Union Attn: Marketing - Family Day 832 S. Hotel Street Honolulu, HI Deadline for ticket orders: Saturday, April 18 Make checks payable to Aloha Pacific Federal Credit Union. Pick up tickets at the Main branch from our second-floor receptionist April 27 May 1 during normal business hours or at the event on May 3 from 8:30 a.m. to 9:30 a.m. Tickets and payment are non-refundable and good for admission to Ward Theatres on Family Day only. No outside food is permitted. Limit: one $6 ticket per primary member; two $8 joint account owner/guest tickets per primary member. Subject to availability. Please bring your receipt and/or photo ID when you pick up your tickets at the branch or at the event. For more information, call WHAT S SO SCARY ABOUT A BLOATED SUPERFISH? In today s news, Superfish doesn t have a big S on his chest, or care about truth or justice. It s dangerous malware (malicious soft ware) that was pre-installed on some Lenovo computers shipped between September 2014 and February If you have Superfish installed, you need to remove it immediately. Even if you don t own a Lenovo, the recent Superfish problem provides a lesson for all of us. Lenovo is not the only company that s paid to include what the industry refers to as bloatware (or junkware, or much worse) on new computers. Adware software that helps companies advertise to you via popups and other means has been around almost as long as home computers. But in addition to being a nuisance, some adware can be dangerous because they go way beyond showing you passive ads. Without your knowledge, adware can also actively track and report your web browsing habits and other private information. If you don t need bloatware on your computer or smartphone, get rid of it. Avoid the temptation to click on links to free offers or fake contest winnings, which are common ways bloatware companies (and hackers) trick you into installing their junk on to your machine. For links to more online information about Superfish and bloatware in general, please go to the BULLE- TINS section of alohapacific.com. 3

4 APFCU HAS YOUR FINANCING ANSWERS DID YOU KNOW WE FINANCE COMMERCIAL PROPERTIES? Investment properties Commercial warehouses Small office buildings Retail spaces Refinance or purchase Scott Nishimura VP and Division Manager, Commercial Lending (808) Paul Shin VP and Loan Officer, Commercial Lending (808) SCHOLARSHIP APPLICATION DEADLINE IS APRIL 27 It s not too late to apply for the Masami Oishi Memorial Scholarships, but you must take action now! The deadline is Monday, April 27. One of the requirements is official transcripts, and school admissions offices need time to send them out. If official transcripts are missing, your application will be disqualified. We will award $2,000 cash scholarships to 15 Aloha Pacific FCU members who are ANNUAL MEETING (continued from front page) college-bound high school seniors and current college and graduate students. Go to alohapacific.com to download and fill in the application. The completed application, including official transcripts, a letter of intent and a resume, must be postmarked no later than Monday, April 27. Visit any branch for details. Some restrictions apply. See scholarship application for details. Scholarship awards are restricted to one award per member so that we may assist as many members as possible. Call Scott or Paul for information and find out how they can help you with your commercial real estate lending needs. HOME MORTGAGES AND REFINANCING If you're looking to purchase a home or refinance your higher interest rate home loan, now is the time to take advantage of mortgage rates that are still at historic lows. Call one of our mortgage loan officers today. You may be able to benefit from lower monthly payments on your mortgage. Vim Balantac (808) vimbalantac@kalanet.com NMLS# Teri Lynn Oshita (808) terilynnoshita@kalanet.com NMLS# Kevin Uyehara (808) kevinuyehara@kalanet.com NMLS# From left, APFCU Board of Directors 1 st Vice Chair (and Annual Meeting emcee) Stan Inamasu, Mayor Kirk Caldwell and Board Chair Gary Iwai. won by Cary Murakami, was a $1,000 Hawaiian Airlines gift card. Congratulations! We were thrilled to have two very special speakers: Honolulu City Council Chair Ernie Martin and Honolulu Mayor Kirk Caldwell. Because there were only three nominees for the three available seats on the Board of Directors, no balloting was necessary this year. The three, who already were on the board and whose applications had been approved by the Nominations & Elections Committee, are Darwin Hamamoto, Daniel J. Keppel and Sam Moku. Other members of the board are Gary Iwai, Stan Inamasu, Allan Fujimoto and Robert S. Morita. City Council Chair Ernie Martin with Gary Iwai. Mahalo, everyone, and see you at next year s meeting! VEGAS BRANCH TO MOVE APFCU s Las Vegas branch, currently in the Summerlin neighborhood, will be moving later this year to a more accessible spot in Henderson. The new address is 9555 S. Eastern Avenue, in the Richmar Plaza shopping center. Look for a soft opening this Fall. CURRENT RATES Please call , visit any APFCU branch or for our current account and loan rates. Membership ($5 in regular savings) required to receive benefits and services. All loans subject to approval. 4

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