$25. Opening Deposit on us!* For more information please contact: BRANCH AND ATM LOCATIONS WHO IS THE SF POLICE CREDIT UNION? WHAT DO WE OFFER?

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1 SFPCU Welcomes Contra Costa SO WHO IS THE SF POLICE CREDIT UNION? The SF Police Credit Union has provided financial services since We are a non-profit, financial institution that is cooperatively owned and operated by its members. We serve exclusively to First Responders. Our Credit Union now has over 33,000 members and has grown to over $720 million in assets through a commitment to meeting the needs of our members. Sign up and you will receive a $25 Opening Opening Deposit Deposit on on us!* us!* For more information please contact: Financial Services for First Responders WHAT DO WE OFFER? NO Membership fee UNLIMITED ATM Fee Rebates with Global ATM Checking NO-COST Online Banking with Online Check Deposits, Mobile Banking, Bill Pay and E-statements COMPETITIVE Savings, Money Market, IRAs, and Certificates PERSONALIZED Vehicle & Recreational Loans including Auto, Motorcycle, Boats and more! LOW RATE Platinum and Secured Visa Credit Cards EXCLUSIVE Personal Auto Buying Service and Special Discounts ATTRACTIVE Mortgage Rates & Home Equity Lines of Credit Terms and conditions apply. For details please contact us or visit our website at Routing Number: Priscilla Guterres Director of Relationship Management Cell: Website: BRANCH AND ATM LOCATIONS San Francisco, San Mateo, Castro Valley and Pleasanton In addition to SFPCU locations, as an SFPCU member you also have access to fee-free CO-OP ATMs, Shared Branch locations and Bank of The West ATMs. CO-OP Network ATMs - over 28,000 fee-free ATMs including over 9,000 which will accept deposits Shared Branch Network - over 6,500 credit unions where you can perform transactions Bank of the West ATMs - fee-free access to all Bank of the West ATMs To find the fee-free ATM or Shared Branch location closest to you, visit This Credit Union is federally insured by the National Credit Union Administration. *Promotion Disclosure: Application for account must be received by the SFPCU by December 31, Bonus not offered for new business accounts. Current Annual Percentage Yield on our Savings Account is 0.10% as of January 1, $25.00 bonus shall be used as the initial opening deposit for your new member account only. This bonus shall be reversed and returned to the SF Police Credit Union if your new member account is closed within 12 months after the date opened. All new accounts are subject to the SFPCU account-opening procedures and standard account terms and conditions. The bonus you receive is tax-reportable. Minimum Account Balance: $ Fees could reduce the earning on account. Rates, yields, terms and conditions are subject to change; call for current information. EQUAL HOUSING OPPORTUNITY Rev. 03/12

2 CURRENT PROMOTIONS To learn more about any of these promotions, please call or visit our website at EARN POINTS WITH AN SFPCU PLATINUM VISA. Get 10,000 Visa points when you open a new Visa, plus gain 2X the rewards points on purchases made through April 30, Offer valid February 3 April 30, ,000 Bonus Reward Points offer only available for new SFPCU Visa accounts opened during the promotional period. First purchase must be completed within 90 days to receive the 10,000 bonus points. Double Points offer equals two Visa Rewards Points earned for every one dollar spent on qualifying purchases. Cash advances, balance transfers and ATM withdrawals will not accrue points. Offers not valid for Business accounts. All new applications are subject to terms, conditions and credit approval. You must be at least 18 years of age to apply, and show ability to repay future balances or apply with a co-signer if you are under the age of 21. Rates, fees and terms are subject to change at any time, you may contact us for current information at NEW YEAR NEW RIDE...SFPCU VEHICLE LOANS. Drive free for 3 months, plus earn a $100 free gas card, offer valid on new or used car, truck or motorcycle. MONEY DOESN T GROW ON FEES. HOME LOANS. Now is the perfect time to purchase your home, or save by refinancing from another financial institution. $599 Flat Fee to get you started Competitive rates Expert guidance to assist you Offer valid through 12/31/14. $599 flat fee covers Appraisal, Credit Report, Courier/FedEx, Appraisal Review, Tax Service, Wire Transfer, Underwriting and Flood Zone Certification (does not include title insurance, escrow or other fees not listed). Offer valid on 1st mortgages only (FHA, VA and out-of-state loans are ineligible). Flat Fee Offer, rates, terms and conditions are subject to change without notice. ESCAPE THE CLUTTER OF PAPER STATEMENTS. Cleaning up is easy - simply log on to and sign up for this free, secure and convenient service. Plus, you could win $100! No annual fees No cash advance or balance transfer fees Design your own card options Convenient payment options Easy application process No-cost Auto Buying Service Offer valid February 3 April 30, 2014 on New, Used, and Early Model Automobiles and New and Used Motorcycles. Application and funding must occur during the promotional period and loan must be $15,000 or higher to qualify. Example rate of 1.74% APR with 36 monthly payments = $28.53 per $1,000 borrowed, assumes.25% discount for enrollment in automatic payments (fully indexed rate of 2.99%). Rates quoted assume excellent borrower history and actual APR may be higher than the lowest rate available. Internal refinances are not eligible. Outof-state vehicles are acceptable on dealer transactions only. $100 gas card will be mailed to member within 90 days of funding loan. Rates, terms and conditions are subject to change without notice. Get them before mailed statements Receive an notification when ready Offer valid February 3 December 31, By enrolling in e-statements you are eligible for (1) entry into the cash drawing. One (1) member enrolled in E-Statements will be randomly selected each quarter from all eligible entries to receive $100 deposited into their SFPCU account. SFPCU employees, volunteers and their family members are not eligible. No purchase necessary to enter and win, for complete terms and conditions, please visit EARN 10,000 VISA POINTS Rates as low as 1.74 Purchase or Refinance with a Flat Fee of VISA VEHICLE % APR * REAL ESTATE $599 E-STATEMENTS A CHANCE TO WIN $100 02/14 This Credit Union is Federally insured by NCUA.

3 Financial Services for First Responders Share Rate Sheet Effective Date: As of February 1, 2014 All rates given are for illustrative purposes only, and are the As Low As rates. SAVINGS PRODUCTS SAVINGS $ % 0.10% *No minimum balance to maintain Checking Accounts. SFPCU & GLOBAL ATM CHECKING $25.00* 0.10% 0.10% BUSINESS CHECKING $25.00* NONE NONE OPEN-ENDED Dividend rates and yields may change after you open your account. BALANCE CHECKING $25.00* NONE NONE For the IRA Savings Accounts, the dividend and yield may change after LOONEY TUNES & ONSCENE TEEN $25.00* 0.10% 0.10% you open your account. All terms and conditions are disclosed in our retirement account agreement and disclosure statement that will be HOLIDAY ACCOUNT NONE 0.10% 0.10% provided to you when you open the account. IRA SAVINGS $ % 0.10% CERTIFICATE PRODUCTS 3-MONTHS CERTIFICATE $ % 0.20% Days 6-MONTHS CERTIFICATE $ % 0.25% >180 Days 1-YEAR CERTIFICATE $ % 0.35% >365 Days 2-YEAR CERTIFICATE $ % 0.50% >730 Days 3-YEAR CERTIFICATE $ % 0.85% >1,095 Days 4- YEAR CERTIFICATE $ % 1.06% >1,460 Days 5- YEAR CERTIFICATE $ % 1.51% 1,825 Days 1- YEAR IRA CERTIFICATE $ % 0.35% >365 Days 2-YEAR IRA CERTIFICATE $ % 0.50% >730 Days 3-YEAR IRA CERTIFICATE $ % 0.85% >1,095 Days 4- YEAR IRA CERTIFICATE $ % 1.06% >1,460 DAYS 5- YEAR IRA CERTIFICATE $ % 1.51% 1,825 DAYS Certificates are available for the range of days stated to the left. The annual percentage yield and dividend rate assume that dividends remain on deposit until maturity. After the Certificate Account is opened, you may not make deposits or withdrawals into the account until the maturity date. Early Withdrawal Penalty: is based on the term of the account and assessed according to the following schedule: For 1-12 month term Certificates: dividends earned for the number of days the Certificate is open up to a maximum of 30 days of dividends. For month term Certificates: dividends earned for the number of days the Certificate is open up to a maximum of 90 days of dividends. For a 48 month term Certificate: dividends earned for the number of days the Certificate is open up to a maximum of 120 days of dividends. For a 60 month term Certificate: dividends earned for the number of days the Certificate is open up to a maximum of 180 days of dividends. Individual Retirement Account Certificates terms and conditions are disclosed in our retirement account agreement and disclosure statement that will be provided to you when you open the account. TIERED SAVINGS ACCOUNTS Minimum deposit to open account is $500. TIERED BALANCE $0 - $14, $ % 0.10% $15,000 - $49, $15, % 0.15% OPEN-ENDED $50,000 and over $50, % 0.20% MONEY MARKET WEALTH BUILDER ACCOUNTS Minimum deposit to open account is $50,000. TIERED BALANCE $0 - $49, NONE 0.10% 0.10% $50,000 - $99, $50, % 0.25% OPEN-ENDED $100,000 - $149, $100, % 0.30% $150,000 and over $150, % 0.35% The minimum deposit to open an account is $500. Dividend rates and yields may change after you open your account. The Dividend Rate and Annual Percentage Yield are based on the entire daily balance of the account. The minimum deposit to open an account is $50,000. Dividend rates and yields may change after you open your account. The Dividend Rate and Annual Percentage Yield are based on the entire daily balance of the account. Subject to withdrawal limitations. This Credit Union is federally insured by the National Credit Union Administration. GENERAL TERMS & CONDITIONS: The Annual Percentage Yields (APY) are effective as of February 1, All information in this Share Rate Sheet is subject to change. Fees could reduce earnings on the accounts. Dividends will be compounded monthly and will be credited monthly. Dividends are calculated by the daily balance method, which applies a daily periodic rate to the principal in your account each day. Dividends will begin to accrue on the day you deposit cash or non-cash (e.g. checks) into the account if deposited before close of business. The dividend declaration date is the last day of each month. Please refer to your About Your Credit Union Accounts brochure for further information on all SFPCU Accounts. For current rates, yields or other information, call us at or Memberlink, or visit our website at Rev Date: February 1, 2014

4 Financial Services for First Responders VEHICLE LOANS RECREATIONAL VEHICLES LOANS Loan Rates Effective Date: As of February 1, 2014 All rates given are for illustrative purposes only, and are the As Low As rates Months Months Months Months TERMS & CONDITIONS NEW AUTO (2013* & Newer) 1.74% APR 1.99% APR 2.49% APR 3.49% APR Minimum Loan of $35,000 or higher. Models manufactured in 2013 with 7,500 miles or less are eligible. USED AUTO ( ) 1.74% APR 1.99% APR 2.49% APR 3.49% APR Minimum Loan of $20,000 or higher. EARLY MODEL AUTO ( ) 4.74% APR 5.24% APR 100% of low Blue Book; Appraisal may be required. FIRST-TIME AUTO BUYER 5.99% APR 5.99% APR Vehicles based on up to 90% of value. NEW MOTORCYCLE (2014) 2.99% APR 3.49% APR 100% of purchase price, plus tax, license & GAP; excluding accessories. USED MOTORCYCLE 3.99% APR 4.49% APR Financing may include purchase price, tax, license, warranty & Gap based upon the average retail value. Important Notes - Auto, Motorcycle APR = Annual Percentage Rate. Example rate of 1.99% APR with 60 monthly payments = $17.52 per $1,000 borrowed, assumes discount of.25% discount for enrollment in automatic payments (fully indexed rate of 3.24%). Internal refinance will be subject to a 1.0% add on to your qualifying interest rate. Rates quoted above assume excellent borrower history. Offer valid on New, Used, and Early Model Automobiles, and New and Used Motorcycles. Out-of-state vehicles are acceptable on dealer transactions only. VISA CREDIT CARDS Standard Revolving (Open-End) APR Maximum Limit TERMS & CONDITIONS PLATINUM NLPOA % Variable APR % Variable APR $35,000 $35,000 All new applications are subject to terms, conditions and credit approval. Rates, fees and terms are subject to change at any time. For complete credit card disclosures or more information please visit or contact SFPCU. SHARED SECURED 7.50% Fixed APR Ask for Details FIRST RESPONDER LOANS** STUDENT LOANS 1-24 Months TERMS & CONDITIONS FOR SWORN OR CERTIFIED FIRST RESPONDERS 2.50% APR Maximum loan amount of $5,000. Must be used to purchase first responder equipment, uniforms, supplies, etc. PERSONAL LOANS PERSONAL LOAN** 10.49% APR 11.49% APR 12.99% APR Minimum Loan of $15,000 or higher. OVERDRAFT PROTECTION LOAN** 12.99% APR Loan of $2,000 Maximum. CERTIFICATE SECURED LOAN 3% above current Certificate Savings rate. Contact us at for current rates. SHARE SECURED LOAN 3% above current Share Savings rate. Maximum term of 60 months. Contact us at for current rates. Important Notes - Personal Loans **Maximum aggregate loan balances cannot exceed $25, per member. We offer Student Loans up to $30,000 per year through a partnership with Lend Key. Contact us for details. HOME LOANS 1-36 Months Months Months TERMS & CONDITIONS We offer Fixed-rate & Fixed Adjustable-rate Mortgages, Federal Housing Administration (FHA) and Veterans Administration (VA) Loans, Mortgages outside California, Home Equity Line of Credit, Home Equity Loans & Reverse Mortgages. Contact us for current rates and details Monthss Months Months Months 180 Months TERMS & CONDITIONS NEW OR USED BOAT/TRAILER/JET SKI 6.49% APR 6.74% APR 6.99% APR 7.49% APR Minimum Loan of $35,000 or higher. NEW OR USED MOTOR HOMES/RVS 6.74% APR 6.99% APR 7.24% APR 7.49% APR Minimum Loan of $35,000 or higher. NEW OR USED TRAVEL TRAILER 6.74% APR 6.99% APR 7.24% APR 7.49% APR NEW MOBILE HOME 11.00% APR USED MOBILE HOME 12.00% APR Important Note - Recreational Vehicles Loans NEW BOAT/TRAILER/JET SKI: 80% of purchase price. USED BOAT/TRAILER/JET SKI: 75% of appraised value on private party, dealer transactions or refinance. NEW MOTOR HOMES/RVS: 90% of purchase price. USED MOTOR HOMES/RVS: 80% of appraised value on private party, dealer transactions or refinance. NEW TRAVEL TRAILER: 80% of purchase price. USED TRAVEL TRAILER: 75% of appraised value on private party, dealer transactions or refinance. NEW OR USED MOBILE HOME: 80% of purchase price or appraised value; fees paid out of pocket. Must be in mobile home park or private property. Rates quoted above assume excellent borrower history. Your actual APR may vary and will be determined when a credit decision is made, and may be higher than the lowest rate available. Lower credit quality and non-qualification for discounts may result in higher rates. There are no pre-payment penalties on early payoff of loans. Internal refinances will have a higher interest rate. Rates, terms, and conditions are subject to change without notice. Restrictions may apply. You may be asked to include a copy of your most recent paycheck stub. For current rates or other information, call us at or visit our website at This Credit Union is federally insured by the National Credit Union Administration. FHA, VA and Mortgages outside California are offered through a partnership with CUPartners, and Reverse Mortgages are offered through a partnership with California Reverse Mortgage Consultants. Rev Date: February 1, 2014

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