Teller. Prepare For The Future Today! February Is Financial. Month! Annual ATM Fee. Hurry

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1 THE Teller n WinTer 14 News for the valued members of Apex Community Federal Credit Union February Is Financial Check-Up Month! Stop in during the month of February to request a free credit report. After running the report, we will analyze and review it with you. We can also help you improve your credit score, liquidate your debt, lower your loan payments, prevent identity theft, and get on track financially. Ask us for details today. Prepare For The Future Today! It s that time of year again: time to think about putting money into an ira. Invest at Apex Community FCU and earn more, whether you re just starting to save or you have been accumulating investments for years! Don t have an IRA? Now is a great time to open an IRA at Apex Community FCU! We ve got the best rates in the area, so you ll be able to sit back and watch your money grow. You can invest in: n Traditional IRAs. This is still the best IRA for long-term retirement planning. You won t pay taxes now on your contributions, when your income is high. At retirement, you may take out your funds or roll them over into another option. Taxes paid then are considerably less, since your income will be lower. n Roth IRAs. If you know you will need your money sooner than retirement, consider the Roth IRA. Saving for a down payment on a house or other expenditure will add up faster with the higher interest paid on a Roth IRA. While you will have to pay taxes on the funds now, you won t pay taxes later, and you do not incur any penalties for withdrawal after five years. Have an IRA but aren t happy with the results? Rolling over your IRA is quick and easy even for pension rollovers and you ll be thrilled with our investment rates. Come to Apex Community FCU and start earning more today! Hurry IRA contributions for 2013 must be made by April 15, 2014! Annual ATM Fee On January 11, 2014, the annual ATM fee of $15 will be deducted from members checking or savings accounts. Direct Deposit members are exempt from this fee. Call for additional details. Student and Advantage Plus accounts are exempt from $15 fee. beyond banking convenience and services

2 A New Way To Finance Your Vehicle It Just Makes Sense! It just makes good sense to take advantage of the DrivingSense Vehicle Financing Program! Like a lease, DrivingSense provides monthly payments that are considerably lower than conventional financing. But unlike a lease, with DrivingSense Vehicle Financing, you own the vehicle! Most current and up to three-year-old used cars, vans, and light trucks qualify for DrivingSense financing. New, current-year vehicles can be financed for up to 72 months; one-year-old vehicles can be financed for up to 60 months; two-year-old vehicles can be financed for up to 48 months; and three-yearold vehicles can be financed for 24 or 36 months. Other benefits of the DrivingSense program include: n No money down or advanced first and last payment required n Mileage options of 12,000, 15,000, or 18,000 per year available n No security deposit or acquisition fees n No early payoff penalty You have the option to sell, trade, or refinance the vehicle any time, or return the vehicle at loan maturity. This means you can change your vehicle every few years! Learn More Today To find out how DrivingSense Vehicle Financing might make good sense for you, call us at or stop by our office. Apex Community Fcu Auto Financing Drives A Bargain With Auto Loan rates so low, it s a great time to buy! However, don t look solely at the rate of your loan when considering your financing options. At Apex, you ll get a great low rate on your Auto Loan, plus all this: n Pre-Approval Advantage: We can pre-approve your loan with a term up to 72 months, including up to 100% financing of the purchase price, tax, tags, and warranties. n Dealer-Direct Financing: Receive on-the-spot Apex financing when you purchase a vehicle at one of our dealer-direct locations. n GAP Insurance: If your vehicle is stolen or damaged beyond repair before you finish paying for it, this affordable insurance will bridge the gap between what you owe and what your insurance will pay. n Mechanical Breakdown Protection: Eliminate unexpected expenses by choosing MBP. It provides you with protection against the increasingly high cost of mechanical breakdown repairs and is available for new and used cars. n Trade-In And Resale Values: We ll provide you with the true value of your trade-in as well as the resale value of any used vehicles you may be interested in purchasing absolutely FREE! Refinancing Also Available Ask For Details If you have already purchased a car, truck, van, or RV, don t worry we offer great low rates and terms on refinancing that can immediately reduce your monthly payments! For more information on our rates and services, stop by or call LEND (5363) today.

3 MorTgage Rates As Low As 3.375% APR * 10-Year Term *APR=Annual Percentage Rate. Contact the credit union for complete information. Now Is The Time To Buy Or Refinance Home prices are still 20% below their pre-recession levels. Although interest rates on long-term Mortgages have increased slightly during the past few months, they re still historically very low. It s also a great time to refinance. Our mortgage refinancing program lets you take advantage of our new fixed-rate mortgage that can be paid off in 10 years. Additional shorter-term refinancing options are also available. Great Programs For First-Time Homebuyers When compared to an FHA Loan, Apex Community FCU financing allows you to purchase the same home, with the same down payment, but a lower loan amount and lower payment. Ask us how! n 3% Down Payment n We Put Homebuyers First n Less Money, More House Contact our Mortgage Service Center at or go online and start your application at Phantom Branch Student Advantage Package Banking is free and easy at the Phantom Branch in Phoenixville High School. All Phoenixville Area School District Students, Faculty, and Staff are eligible to join. As a Phantom Branch member, you ll enjoy free access to: n Free Checking/Savings Accounts n Free Money Card (ATM/Debit) n Free Online Banking n Free Shared Branching (4,700 Shared Outlets) n Free Mobile Banking n Free ATM (57,000 Worldwide) n Free Checks n Private Student Loans n Free Overdraft Protection n Auto, Signature, And Credit Builder Loans Stop by the Phantom Branch or apply online at today. Don t Be Left In The Dark Great things are happening at Apex Community FCU all the time, and we d love to let you in on it. Our new communications are excellent resources you can check to receive up-to-the-minute news about happenings and current promotions. Get In On The Conversation! Visit our new Apex Community FCU and Apex Phantom Branch Facebook pages and follow us on Twitter! Plus, be sure we have your current address so you can receive special members-only rate specials and product promotions designed to add convenience and save you money. We ll see you on the Web! Please note: Minors (under the age of 18) must have an adult co-maker to open an account at Apex Community FCU.

4 Important Life Insurance Notice Dear Member: Due to a significant decline in demand, we have made the difficult decision to exit the Life Savings product currently offered to you through Apex Community Federal Credit Union. Per the terms of our contract, your group policy will expire on December 31, All claims incurred on or before January 31, 2015, will be honored. You can convert your Life Savings coverage to a guaranteed issue Primary Protection Plan, underwritten by CMFG Life Insurance Company. This new policy would provide life insurance coverage up to $3,000. If you decide to take advantage of the conversion option, you must apply by January 31, Your premiums will be based on your age at time of application. Conversion is simple. Just request, complete, and return an application with your first premium payment directly to CMFG Life Insurance Company by January 31, 2015, in order to receive coverage. To request the application, or if you have any questions, call to speak with a fully licensed insurance representative. Sincerely, Jim Power Executive Vice President, Chief Products Officer CUNA Mutual Group Home Banking Safe, Sound, Secure! Our Home Banking service uses the latest technology and most updated safeguards to protect your accounts. For those members who have never changed their password, we have upgraded our software that will now require you to change your password so that it includes at least one uppercase and one lowercase letter, one special character, and one number. Rest assured that your accounts are always protected to the fullest at Apex Community FCU!

5 holiday closings Martin Luther King, Jr. Day Monday, January 20, 2014 Presidents Day Monday, February 17, 2014 Fee Schedule Changes Effective 4/1/14 Basic and Business Checking will be assessed a $10 per month fee if there has been no activity on the account for 90 days. We Encourage You To Utilize Our Free Checking Please keep your account active to avoid incurring an inactivity fee. We encourage you to use all the free convenience services that the credit union has to offer. S P e c I A L Member Referral Bonus Offer Tell your family members and neighbors to join Apex Community FCU and enjoy lower rates on loans, higher savings yields, and personal, friendly service. All it takes is a $5 deposit to get started. Have your referrals stop in the nearest branch or visit today for details. Thank You For Your Loyalty We would like to take this opportunity to thank our valued members for making referrals to Apex Community FCU. Without your support, our credit union would not be what it is today. We would also like to thank our staff and Board members for their valuable contributions in making Apex a successful, member-driven financial institution. $10 For You, $5 For Your Referral Once your referral joins the credit union, he or she will receive $5 in their checking account. As the referrer, you will receive a $10 Wawa Gift Card.* Hurry THIs offer Ends January 31, 2014! *Apex Community FCU is not affiliated with Wawa. The services, products, or activities of Apex Community FCU are neither endorsed nor sponsored by Wawa. The Credit Union Difference! As part of the ibelong campaign, credit unions celebrate the difference that they make in their members lives every day. Share the gift of credit union membership with your friends and family, and let them know they are eligible to join Apex Community FCU. To learn more, see the member referral article on this page.

6 Your Privacy Is Important To Us! Your credit union believes your privacy is important. Protecting your personal information and using it in a manner consistent with your expectations is a high priority for everyone at your credit union. Only authorized employees, trained in the proper handling of account information, have access to our database. Your name, address, phone numbers, and financial information contained in this database, or compiled from our website, is never sold or rented to anyone. Our comprehensive Privacy Notice is as follows: The credit union collects only the personal information that is necessary to conduct our business. That means, just what is necessary to provide competitive financial products and services no more. We will protect your personal information and maintain strong security controls to ensure that member information in our files and computers is protected. You will always have access to your information. As a member of our credit union, you can review your information and make any necessary changes to ensure that our records are complete and accurate. We share information only when absolutely necessary and only to administer the products and services we provide, or when required to do so by the government, or when we partner with other businesses to offer a broader array of products and services to our members. We partner only with businesses that follow strict confidentiality requirements. The businesses we select must offer products designed to enhance our members economic well-being. Under no circumstances do we authorize these firms to charge your account without your express consent, nor do we sell member information to telemarketing firms. We collect non-public personal information about you from the following sources: n Information we receive from you on your applications or other forms; n Information about your transactions with us, our affiliates, or others; and n Information we receive from a consumerreporting agency. We may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf. * We do not disclose any information on former members. We do not share non-public information except as permitted by law. Important ACH Disclosures Provisional Payment Disclosure Credit given by APEX to you with respect to an automated clearinghouse credit entry is provisional until we receive final settlement for such entry through a Federal Reserve Bank. If we do not receive such final settlement, you are hereby notified and agree that we are entitled to a refund of the amount credited to you in connection with such entry, and the party making payment to you via such entry (i.e., the originator of the entry) shall not be deemed to have paid you in the amount of such entry. Notice Disclosure Under the operating rules of the National Automated Clearing House Association, which are applicable to ACH transactions involving your account, we are not required to give next day notice to you of receipt of an ACH item and we will not do so. However, we will continue to notify you of the receipt of payments in the periodic statements we provide to you. Choice of Law Disclosure We may accept on your behalf payments to your account which have been transmitted through one or more Automated Clearing Houses (ACH) and which are not subject to the Electronic Fund Transfer Act and your rights and obligations with respect to such payments shall be construed in accordance with and governed by the laws of the state of New York as provided by the operating rules of the National Automated Clearing House Association, which are applicable to ACH transactions involving your account. Stowe Main Office 540 Old Reading Pike, Stowe, PA Phone: Fax: Loans: LEND(5363) Lobby Hours Monday-Wednesday 9:00 a.m. to 4:30 p.m. Thursday 9:00 a.m. to 5:00 p.m. Friday 9:00 a.m. to 6:00 p.m. 2nd Tuesday of the Month: Open at 10:00 a.m. Drive-Thru Monday: 7:30 a.m. to 4:30 p.m. Tuesday-Wednesday: 8:30 a.m. to 4:30 p.m. Thursday: 8:30 a.m. to 5:00 p.m. Friday: 7:30 a.m. to 6:00 p.m. Saturday: 9:00 a.m. to 12:00 p.m. Telephone Teller 24-Hour Audio Response Teller or Board of Directors Frederick Winner Chairman Patricia Guntick Vice-Chairman Gary E. Twardowski Secretary/Treasurer John J. Zueno Director Jack Bucciaglia Director Dan Jones Director Joseph Kandler Director Eric Becker Associate Director Kevin D. Villano Director Emeritus George Babilon Director Emeritus Supervisory CoMMiTTee Kevin Villano Supervisory Committee Chairman Albert Testa Committee Member STAFF David Cocci President/CEO Stephen Ziegler VP Accounting Trisha Schadler Lending Supervisor Jodi Toennies Lending Lynn Yocom Lending Tina Shingle Member Services Supervisor Linda Bender Member Services Michelle Gagliardi Member Services, PASD Joan Kohn Member Services Keith Shingle Member Services Theresa Soto Member Services Lori Weimer Member Services service@apexfcu.com Website: