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1 Free Box of basic Image Checks On an annual basis, if You qualify for Member Benefits, You are eligible to receive one free box of basic image checks every 12 months for each checking account under the qualifying member number. You may choose either single or duplicate check styles. IRA Certificates/Share Certificates Rate Bonus of 0.20% Rate bonus is applicable for new and renewing IRA Certificates and Share Certificates. $500 minimum balance. Any rate bonus received will remain in effect for the term of the certificate. Early withdrawal penalties may apply. Program Rate bonus may not be combined with any other promotion. If You qualify for Member Benefits upon certificate renewal, rate bonus will automatically be applied. Partners In A Proud Tradition SM 877-MY-LAPFCU ( ) lapfcu.org Facebook.com/lapfcu Twitter.com/lapfcu New Consumer Loan Interest Rate Reductions of up to 0.50% Rate reductions include a consumer loan interest rate reduction of 0.15%, an automatic payment rate reduction of 0.25%, and an online consumer loan application rate reduction of 0.10%. Any loan rate reduction will remain in place for the term of the loan. The following loan types are excluded from rate reductions: real estate loans, unsecured lines of credit, credit cards, share loans, share certificate loans, and stock & bond loans. Program Rate reductions may be used for refinances, but may not be combined with any other promotion. Rebate on 1 st Mortgage Closing Costs up to $ You must have an existing qualifying Member Benefits account (checking, Visa, or first mortgage) to receive a $ rebate on a new or LAPFCU refinanced first mortgage loan. $ will be credited to Your share account within 10 (ten) days of loan funding. Rebate does not apply to FHA, VA, Reverse mortgage or Jumbo loans. Monthly Member-Requested Fee Reimbursement For any qualified Member Benefits account, You are eligible for a fee reimbursement up to $10.00 once per month on select fees incurred at LAPFCU or an FSCC Shared Branch. You must contact LAPFCU either verbally, in person or in writing and request reimbursement. Reimbursement must be for the current month. Fees eligible for reimbursement under Member Benefits are: Cashier s Checks Cashpacks Check Withdrawals Coinstar Deposit Adjustment Money Orders Notary Service (non-lapfcu related) Photocopy of paid check QuickDraw ATM card/quickdraw Plus debit card replacement Returned Statement Statement Copy Traveler s Checks Verification of Loan/Deposit

2 LAPFCU Member Benefits SM Program Overview Los Angeles Police Federal Credit Union s Member Benefits Program provides additional rewards for members who are most loyal to the Credit Union. When you participate in Member Benefits, your investment is returned in the form of loan interest rate (APR) reductions, higher dividends (APY) on share certificates, no monthly checking maintenance fees and valuable fee reimbursements on many services. For a complete description of disclosures, please review the included Terms and Conditions. Summary of Benefits No Monthly Checking Maintenance Fees Free Box of Checks Annually (basic image) IRA/Share Certificate (APY) Dividend Bonus (new and rollover) Consumer Loan Interest Rate (APR) Reduction Consumer Loan Automatic Payment Interest Rate (APR) Reduction Online Consumer Loan Application Interest Rate (APR) Reduction Rebate on Closing Costs for New First Mortgage Member-Requested Monthly Fee Reimbursements p p 0.20% 0.15% 0.25% 0.10% $ Once a Month Up To $10 Member Requirements Qualifying to receive Member Benefits is straightforward and simple. By fulfilling program requirements, you can start receiving your additional rewards immediately no additional action is required on your part. Qualification Options (must have one of the following accounts): Checking Account Direct Deposit or ACH credit ($250 - minimum) e-statements for your deposit accounts Visa Credit Card Account Visa e-statement e-statements for your deposit accounts Minimum of two Visa card transactions posted each month LAPFCU Home Loan Must have an LAPFCU first mortgage Getting Started Don t delay contact LAPFCU today to learn more about Member Benefits and start getting the most out of your Credit Union relationship. Stop by an LAPFCU branch, visit lapfcu.org or call our Member Benefits Hotline at 877-MY-LAPFCU ( ), press 0. MEMBER BENEFITS PROGRAM TERMS & CONDITIONS Throughout this disclosure, the reference to We, Us, Our, and Credit Union mean LOS ANGELES POLICE FEDERAL CREDIT UNION (LAPFCU). The words You and Your mean each person using any of the services described herein. The terms Member Benefits or Program mean the Member Benefits Program offered by LAPFCU. MEMBER BENEFITS TERMS & CONDITIONS Member Benefits is available to all LAPFCU members who qualify. To be eligible for Member Benefits, You must be a member in good standing with the Credit Union, keep at least $5.00 in Your Primary Share Account, and meet at least one of the following three Qualification Options: 1. Maintain an active checking account that has a monthly Direct Deposit or ACH Credit of at least $ to your checking account and receive e-statements; or 2. Maintain an active LAPFCU VISA account with at least two Visa card transactions posted per month, receive VISA e-statements and e-statements for Your LAPFCU deposit accounts; or 3. Have an existing LAPFCU First Trust Deed Mortgage. Eligibility for Member Benefits will be evaluated on a monthly basis on the business day before the last business day of the current dividend period. We reserve the right to modify the terms and conditions, including termination, of the Member Benefits Program at any time with or without notice. Member Benefits eligibility is calculated for each individual member number. If You have multiple member numbers, You must qualify for Member Benefits under each member number to receive benefits for that account. Business and organization accounts are not eligible for the Member Benefits Program. If You qualify for the Program, You are eligible for the following benefits: Waiver of monthly checking account maintenance fees for all checking accounts under the qualifying member number One free box of basic image checks annually IRA Certificate/Share Certificate Rate Bonus of 0.20% Interest Rate Reductions of up to 0.50% on New or Refinanced Consumer Loans Rebate on 1 st Mortgage closing costs up to $ One Member requested transaction fee reimbursement up to $10.00 per month

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