SmartMoney Digest. October 16: PECU Is The Place To Be, Help Us Celebrate Birthday #63! 4TH QUARTER

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1 SmartMoney Digest 4TH QUARTER 2015 New Round Rock Branch Promotions Win money, get great offers, attend fun events! Back Cover Auto Loan Refinance Opportunity Get up to $300 & no payments for 90 days! Pg. 2 October 16: PECU Is The Place To Be, Help Us Celebrate Birthday #63! PECU has proudly served you since Friday October 16 marks our 63rd birthday. Come celebrate the big day with us! You own PECU. You made it happen! All of our PECU lobby branches will serve cake and punch on our birthday. PECU will also be giving away numerous door prizes and prize patrol cash prizes. That means you may win money when you come to the branch, eat cake, and celebrate PECU s birthday with us. Don t miss this great event. Mark your calendar for Friday October 16. We hope to see you at your favorite PECU branch that day. One more thing, you can also get a free kids or teen account for your child or grandchild. Please see the story below. Happy birthday to PECU! MORE BIRTHDAY FUN: FREE KIDS & TEEN ACCOUNTS From now through the close of business on October 31, 2015, you can get a free account for the child or grandchild in your life! The PECU Zoo Crew is for kids 12 and under. Club Bling is our teen account for those years old. Both accounts earn interest and have no monthly fee and no minimum balance. We ll put the opening $10 in any new PECU Zoo Crew or Club Bling account you open during the promotion. New PECU Zoo Crew members also get a free animal prize bag and a free pass to the Austin Zoo. New Club Bling members all have a savings account. Parents and teens can then decide together if they want additional features such as a co-signed checking account, debit card and credit card. You must be a PECU member to get the free account for your child or grandchild. Please limit this offer to new accounts, and no more than three free accounts per family. Page 5: You worked hard building equity in your home. Reward yourself with a Home Equity Loan. Get up to $300 bonus cash!

2 Put more happy in your holidays! Refinance your non-pecu auto loan. Make no payments until 2016 & get up to $300! How much more holiday cheer could you spread this holiday season if you could skip your next three car payments? Make it happen by refinancing your non- PECU auto loan at PECU! We ll also give you up to $300 and a rate as low as 1.89% APR! Take the hassle out of your holidays and enjoy a lower rate on your auto loan when your payments begin again in 90 days. We even pay the title transfer fee. You can apply online anytime, or stop by your favorite PECU branch. Put more happy in your holidays! Rates as low as 1.89% APR All title transfer fees paid by PECU! Apply online anytime! Loan Amount Incentive $10,000 - $19,999 $100 $20,000 - $29,999 $200 $30,000 - $39,999 $250 $40,000+ $300 All loans subject to credit approval. $10,000 minimum loan amount. Autos & trucks model year 2010 and newer are eligible. Up to $300 deposited in share account. Rates, terms & conditions subject to change without notice. Standard underwriting guidelines apply. Vehicles currently financed at PECU are not eligible.

3 Need Extra Money? Scan for our free mobile apps 3 SKIP-A- PAYMENT REQUEST Please complete and mail, or bring completed form to any PECU location. Forms must be received at least five business days before the loan payment due date. Skip-A-Payment requests are eligible one time for one month, either for the month of November 2015 or the month of December 2015 (choose one). The following loans are eligible for Skip-A-Payment: Personal Loans, New & Used Auto Loans, Boats, Motorcycles and Recreational Vehicles. Member Name: Account Number: Work Phone: Home Phone: Loan Type/Loan #: Payment Amount: Month To Skip: Loan Type/Loan #: Payment Amount: Month To Skip: The undersigned hereby makes application to extend the original repayment terms of the above referenced loan(s) by one month. This extension does not alter the original terms and conditions of the original loan contracts. The undersigned understands that the interest on the loans will continue to accrue on the unpaid balance of the loan. NOTE: All borrowers/guarantors must sign this form. Borrower: Date: Co-Borrower: Date: All loans must be current. They must have been kept current for the past 12 months. All credit union accounts must be in good standing. PECU must have your current address, phone number and address. All loans must have been booked for at least three months with all payments made. Contact PECU with questions. Skip-A- Payments are not eligible for mortgages, home equity loans, credit cards, & ready credit loans. Mailing Address: 306 East 10th St., P.O. Box 2205, Austin, TX Check balances, transfer money, find ATMs, make deposits with your camera phone, and much more! Get our mobile apps right now. Scan the left code above for Android. It is also available in the Google Play Store. Scan the right code above to get the Apple version. It is also available in the Apple App Store. Get PECU Free Checking & Save Tired of checking fees and hidden costs? Get PECU Free Checking. PECU Free Checking has no fees, no minimum balance requirements, no service charges, no usage requirements, and no required tie-in to other products to make it free. Free means totally free at PECU. What s more, you get a free debit card, free e-bill Pay and 300+ free Central Texas ATMs. It s your money. Don t let banks charge you just for using it. If your checking account isn t completely free, switch to PECU Free Checking. Get an APR as low as 7.99%! Apply online anytime No annual fee, no balance transfer fee, and no cash advance fee!

4 Even Turkey, North Carolina Is Near A Shared Branch Did you know there are three towns in the United States with Turkey in their name? You may already know about Turkey, Texas the home of Bob Wills, the King of Western Swing. Next, there is Turkey Creek, Louisiana. Our focus, however, is on the smallest of the three towns: Turkey, North Carolina. Located in Sampson County North Carolina, Turkey has just 292 residents. Its name was once Springville, but during the town s early history, a large group of wild turkeys moved into the area. Local residents considered that a sign to change the name. Turkey is popular to stamp collectors asking for Thanksgiving-related postmarks. Even though Turkey is very small, you can still conduct your PECU business at nearby Piedmont Advantage CU in Kenansville, North Carolina. It s called shared branching. Just show your ID and know your PECU account number. There are 5,000+ worldwide shared branches. Visit to search exact locations. In the spirit of Thanksgiving, we searched for other towns with a Thanksgiving theme in their name. We found Cranberry, Pennsylvania and Pilgrim, Michigan. We also found Pie Town, New Mexico, plus Roll, Arizona and Spuds, Florida. Finally, we found Corn, Oklahoma and Yum Yum, Tennessee. Have we made you hungry yet? Happy Thanksgiving! COMPARE YOUR INSURANCE RATES PECU BOARD ELECTIONS Thanksgiving Shared Branch Spotlight We all like to save money. When is the last time you compared your insurance rates? You may be able to save money, or get better coverage for the money you are spending. Your PECU membership qualifies you for $2,000 of AD&D coverage at no cost. Click the TruStage logo from our homepage. TruStage is the marketing brand for the insurance products made available through CUNA Mutual Group, including the CMFG Life Insurance Company. CMFG Life has worked with credit unions for 75+ years. PECU offers a wide range of savings through TruStage on many insurance products including auto, life, home insurance, long-term care and AD&D. Many PECU members report they saved money with TruStage. Get free quotes! The Nominating Committee of PECU s Board of Directors is pleased to announce that the two Directors whose terms expire in 2016 have applied for re-election to the Board for an additional term of service. The Nominating Committee proposes the following two Directors for re-election to the Board: Lanny Wadle Claire McGuinness Pursuant to PECU s bylaws, members have the right to seek election to the Board through a process of nomination by petition. If you have an interest in seeking nomination by petition, please contact Jan Galbraith at to arrange for an appointment with the President and General Counsel of PECU to obtain more information about the process. BRANCHES & HOURS MAIN OFFICE 306 East 10th Street P.O. Box 2205 Austin, Texas Phone: Fax: member@pecutx.org Monday thru Friday 9 am - 5 pm CENTRAL OFFICE 1200 West 42nd Street Austin, Texas WALNUT CREEK OFFICE 8013 Centre Park Drive Austin, Texas OAK HILL OFFICE 5838 Highway 290 West Austin, Texas Drive-Up Facility Only ROUND ROCK OFFICE RM 620 North (Near intersection of 620 N & Cornerwood) Austin, Texas BEAUMONT OFFICE 4241 Eastex Freeway Beaumont, Texas Phone: Fax: Upon request, members are entitled to review or receive a copy of the following credit union documents: Balance Sheet & Income Statement; summary of the most recent audit; written Board policy regarding access to the articles of incorporation, bylaws, rules, guidelines and Board policies; Internal Revenue Service Form 990. If you have questions, please contact PECU Financial Services at in Central Texas, or toll free

5 This fabulous new home office smile is made possible by a PECU Home Equity Loan! Right now, you can get up to $300 bonus cash Rates as low as 3.29% APR YOU GET THESE GREAT FEATURES: Low fixed rate Borrow up to 80% LTV Loan amounts from $7,500 to $500,000 No application fee No origination fee No processing fee No hidden costs No pre-payment fee Flexible terms up to 20 years Interest paid may be tax deductible (consult tax advisor) One set monthly payment to fit your budget No standard closing cost on loans less than $100,000 Trying to put together a new home office? PECU has a solution for you! We ll help you turn the equity you ve built up in your home into the furniture, supplies and equipment you need to pull off your ultimate home office! Besides home offices, PECU members just like you use Home Equity Loans for a variety of great reasons including weddings, dream vacations, college costs, bill consolidation, medical expenses, RVs, new automobiles, and much more. Rates are as low as 3.29% APR. Right now, we re even throwing in up to $300 bonus cash! Click, call, or come by to apply. Questions? Call us toll free at All loans must be closed by 1/15/16. All loans subject to credit approval. $7,500 minimum loan amount. Up to $300 deposited in share account. Loans must be closed to receive incentive. Standard underwriting guidelines apply. To qualify for the Home Equity cash incentive and the no-closing-cost feature, all loans must be new loans or a refinance from another financial institution. Loans currently financed with PECU are not eligible for the cash incentive or the no-closing-cost feature. Rates, terms, and conditions subject to change. Loan Amount Incentive $7,500-$24,999 $25,000-$49,999 $50,000-$74,999 $75,000+ $100 $200 $250 $300

6 SPECIAL EVENTS & GREAT PROMOTIONS AT OUR NEW ROUND ROCK BRANCH! Grand Opening Event: FRIDAY OCTOBER 23 Great Door Prizes, Free Food, ipad Giveaway 0.89% Auto Loan Promotion, MasterCard Promotion Debit Card & Checking Account Promotion Register to win your share of $500 in cash prizes See website for more details WOW 0.89 AUTO LOANS! % APR Special Event: TUESDAY DECEMBER 1 Great Door Prizes, Free Food, ipad Giveaway 0.89% Auto Loan Promotion, MasterCard Promotion Debit Card & Checking Account Promotion Register to win your share of $500 in cash prizes On Both of These Days, Auto Loans Are As Low As 0.89% APR! Take 1.00% off all of our auto loan rates on these two days! Get a rate as low as 0.89% APR! Must go to Round Rock branch and apply in person on these promo days. See website or contact PECU for details. Address: RM 620 North (78717) (near intersection of 620 N & Cornerwood) Get $200 For Opening a New Checking Account At Our Round Rock Branch: Right now, you can get $200 for opening a new PECU checking account with a free debit card at our new Round Rock branch! What would you do with an extra $200? See website or contact PECU for details. We ll Pay For Your First Purchase On New MasterCards & Debit Cards Right now, PECU will pay for the first purchase you make (up to $50) on your new PECU MasterCard and/or your new PECU debit card. Get a new card, then get gas, groceries or other items on us! Must apply for new cards at our Round Rock branch. See website or contact PECU for details. Now through December 31, 2015, we ll put the first $10 in any new kids or teen account you open for your child or grandchild at our new Round Rock branch.