Keynotes. ½% APR* reduction. Auto Loan Rates. Lowered Again!

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1 Keynotes Third Quarter 2011 Auto Loan Rates Lowered Again! Summer is gone and fall is here. Perhaps the leaves aren t the only thing ready for a change? Are you looking for a new or pre-owned vehicle? Let Atlanta Postal Credit Union (APCU) help you buy the vehicle you want and deserve with our cool fall loan rate sale happening now. Finance your new or pre-owned vehicle purchase through December 31, 2011 and enjoy an excellent nancing rate from Atlanta Postal Credit Union that is a ½% APR* reduction from our regular posted vehicle loan rates. This means you can nance a vehicle loan with us at a rate as low as 2.25% APR**! Shop with the condence you deserve by pre-qualifying for your new or pre-owned vehicle loan with APCU. We can help you y you can reasonably afford to spend and how much your payments will be. And, thanks to our fall vehicle loan rate sale, owning a new-to-you vehicle has never been more affordable. Have you already purchased a vehicle and nanced with another nancial institution? No problem! You can renance that vehicle loan with APCU and receive our special, discounted vehicle loan rate, too! Applying is easy! Just call one of our friendly and knowledgeable Loan Service Representatives Toll-free at (800) , or stop by and visit us at any one of our branch locations and get your application started today. Applications are also available online at by clicking on the Minute Money Loan icon. If you are unable to visit us during our normal business hours, and do not have access to a computer, feel free to contact our 24-hour Lending Center at (800) to submit an application over the phone. This offer ends December 31, 2011, so don t delay! Contact Atlanta Postal Credit Union and we ll get your vehicle loan application started right away. * APR Annual Percentage Rate. fo l credit history. APCU is an Equal Opportunity Lender. Vehicle loan rate reduction offer may not be combined with any other offers made by APCU. nt Delivering exceptional service to U.S. Postal Service employees and their families since 1925.

2 Make an APCU VISA Your Holiday Companion and Earn Double VISA Rewards Bonus Points When you re out shopping for family and friends this holiday season, take along your VISA Credit Card from Atlanta Postal Credit Union. You ll enjoy convenience and security and you ll earn double VISA ScoreCard Rewards Bonus Points every time you use your APCU VISA for your holiday purchases. Your APCU VISA Credit Card is accepted worldwide. No matter where you shop, dine, or travel, your credit union VISA is the safest, fastest way to make all of your holiday purchases. And when you use your VISA card, we ll award you two points for every dollar you spend during the holiday season, October 1, 2011 through December 31, replace should it become lost or stolen. nancial institutions displaying the VISA logo*. payments on holiday spending so it is easy on your budget. for valuable gifts, adventures, and travel. So, before you head off to the mall or your favorite specialty shop, or start making your holiday travel plans, be sure you have your VISA Credit Card from Atlanta Postal Credit Union handy. If you don t have an APCU VISA Credit Card, call us for information. * Cash advances and ATM withdrawals are not eligible for ScoreCard Reward Bonus Points. The double Bonus Points promotion period runs from October 1, 2011 through December 31, Attention VISA Credit and Debit Card Holders! Are you letting valuable ScoreCard Reward Bonus Points expire? We want to remind you that ScoreCard Rewards Bonus Points earned prior to December 31, 2007 and not yet redeemed will expire on December 31, Once expired, these Bonus Points will no longer be available for redemption. If you have Bonus Points scheduled to expire, the number of expiring points is printed on your monthly VISA Credit Card statement and/or quarterly VISA Debit Card ScoreCard statement. With the holiday season just around the corner why not use your expiring and current Bonus Points to get great gifts for everyone on your list? Visit the ScoreCard Rewards Web site at for a complete list of the name-brand merchandise, travel adventures, and airfare available. Don t delay! December 31, 2011 will be here before you know it.

3 Skip-a-Payment: Extra Cash When You Need It Most The holiday season is fast approaching. Wouldn t it be great if you could skip your consumer loan payment and have some extra cash for gift buying? Well, we have some good news for you. With Atlanta Postal Credit Union s (APCU s) Skip-a-Payment program, you can! Skip-a-Payment allows you to skip payments on certain consumer loans with the credit union up to twice a year. You can choose whichever two months you like, as long as they are not consecutive months. There is a small processing fee for each loan payment you choose to skip. More details about APCU s Skip-a-Payment program are available online at Or, you can call (800) and speak with the Skip-a-Payment Administrator about how our Skip-a-Payment program can help free up the cash you need, when you need it. We Want You! - to refer your relatives to APCU APCU has an exciting Online Referral Program that could earn you $25.00 for every relative you refer to the credit union. When you refer your mother, father, sisters, brothers, stepparents, children, stepchildren, aunts, uncles, cousins, grandparents, grand children, in-laws, and people living in your house to the credit union, and they open a new Primary Share (Savings) Account with a deposit of $ or more, we will deposit $25.00 into your APCU account.* And as a bonus, we ll give your family member a special, New Member Bonus of $25.00, too! Here s how it works. Visit our Web site at and click on the I referred my family member and we both received $ It was so easy! link. From there, you will be taken to our secure, online referral form where you will be asked to ll out your name, member number, and address, as well as the names and addresses of the family members you wish to refer. Application is available in the referral , along with simple, easy to understand account opening instructions. Should you have any questions regarding APCU s Online Referral Promotion, please feel free to contact our Marketing Department at (404) or Toll-free at (800) Your $25.00 referral bonus is just a click away! Once the online referral form has been submitted, an invitation will instantly be sent to the family members you referred. This will contain a unique referral code that must be provided on your family member s New Membership Application. A link containing a New Membership * Offer is limited to new memberships only. A minimum opening deposit of $ to a Primary Share (Savings) Account is required to receive $25.00 bonus deposit. The bonus deposit of $25.00 will be credited to the Primary Share account within 30 days of the new membership opening date. $25.00 bonus deposit offer may not be combined with any other offers made by APCU. APCU reserves the right to extend or cancel this offer at any time.

4 What Happens If I Make A Mistake? Ever make a mistake? Or been unexpectedly caught a little short? Life is full of surprises. Atlanta Postal Credit Union (APCU) understands and wants to help protect you against some of life s unexpected surprises with our new Courtesy Pay program. Courtesy Pay is a discretionary overdraft service that can help save you the embarrassment of a bounced check or a declined debit card, ATM withdrawal, ACH or Point-of-Sale transaction. Courtesy Pay is automatically available for checks, ACH, and recurring debit card transactions unless you opt out of Courtesy Pay in its entirety by contacting Member Services at (404) or Toll-free at (800) APCU will only approve and pay overdrafts for ATM and everyday debit card transactions if you ask us to by ing opt-in@apcu.com or by calling or coming by one of our convenient branch locations. How Courtesy Pay works is simple. We offer to pay items presented against your checking account when your account balance is not sufficient to do so. Instead of returning the transaction to the merchant for non-sufficient funds (NSF), we pay it and overdraw your account. There is no fee for having Courtesy Pay, unless you use it. And if you do need to use Courtesy Pay, there is a fee of $30.00 per item. This means that if multiple items are presented against your account on the same day, each item will be assessed a Courtesy Pay fee of $30.00 (a maximum fee of $ a day). As with all overdrawn accounts, if you use the Courtesy Pay service, the outstanding balance on your account must be covered by a deposit as soon as possible. Negative account balances must be brought positive within thirty (30) days. APCU may not pay items under your Courtesy Pay if you do not maintain your account in good standing. This means you must bring your account balance to a positive balance within every thirty (30) day period for a minimum period of 24 hours. In addition, if you default on any loan or other obligation to Atlanta Postal Credit Union, or if your account is subject to any legal or administrative order or levy, your Courtesy Pay privilege can be suspended. Courtesy Pay helps to cover life s unexpected emergencies and saves you from merchant NSF fees, interruption of services, and the embarrassment and inconvenience associated with returned or declined items. If you have any questions regarding our Courtesy Pay program, or wish to opt out of the service, please contact Member Services at (404) or Toll-free at (800) Don DeCinque Did you know that the rst credit union dates back to 1852? Since their creation nearly 160 years ago, credit unions have come to serve more than 186 million members in 97 countries. Atlanta Postal Credit Union (APCU) takes pride in our heritage as a nancial services provider and our connection to credit unions worldwide. So, on October 20, 2011, we will commemorate International Credit Union Day along with credit unions and their members across the globe. International Credit Union Day is a day when credit unions near and far celebrate their impact locally and abroad as not-for-prot nancial cooperatives. This year s International Credit Union Day theme is Credit Unions Build A Better World. What this theme means is that credit unions offer their members much more than nancial services credit unions provide opportunities that allow members and their families to build better and more secure lives for themselves and their loved ones. Celebrate International Credit Union Day along with us by introducing your family to the worldwide family of credit union members. With the holiday season quickly approaching, we want to help make choosing that special, holiday gift for everyone in your family the easiest thing you ve done all year. Why not give the gift that keeps on giving year after year membership in Atlanta Postal Credit Union? When you give the gift of credit union membership, you are giving your family members the opportunity to share in the same great money-saving nancial services we offer you, such as loans at low, affordable rates, savings and checking accounts that earn higher-than-average interest rates, and other services with low, or no, service fees. Get your holiday shopping done early this year. Contact our Member Service Department at (404) or Toll-free at (800) and request a new member packet for those special people in your family.

5 Dividend News APCU paid a quarterly share dividend of.897% with an Annual Percentage Yield of 0.90% for the third quarter. Dividends are compounded and credited to your account quarterly. Dividends will be computed by applying a periodic rate to the balance in the account for each day of the dividend period. Deposits begin earning dividends on the day of deposit. If you close your share account before dividends are paid, you will not receive the accrued dividends. No dividends are paid on balances below $50.00 except on youth accounts. Holiday Closing Dates APCU Statistics (as of August 31, 2011) Assets: $1,966,919,915 Members: 100,322 APCU Loan Rates This information is accurate as of the effective date listed below. The terms may change after that date. Please call us at (800) or (404) for additional information. New and Used Auto Loans 2007 and newer $25,000 and over % Above Term Discount Index 36 mos. 60 mos. 72 mos. Annual Percentage Rate (APR) 2.75%-11.25% 2.75%-11.25% 3.00%-11.50% 3.75%-12.50% Board of Directors Moses M. Spence, Chairman Royce L. Jackson, Secretary Katherine S. Brown Donald A. DeCinque David Disharoon Roy L. Matthews J.T. Middlebrooks H. Preston Mulkey Bud Wilkinson Sam B. Dowdy - Director Emeritus Supervisory Committee H. Preston Mulkey, Chairman Robert L. Harris, CPA Herbert W. MacNabb Roy L. Matthews Jabo Patterson Credit Committee Katherine S. Brown, Chairman George Lamar Pat Little J.T. Middlebrooks Roy G. Rainwater 2006 and older Other Collateral Loans* $35,000 and over Personal Loans Share or Certificate Secured** 100% of balance on deposit Partially Share Secured*** 75% of balance on deposit 50% of balance on deposit 25% of balance on deposit 75% of balance on deposit 50% of balance on deposit 25% of balance on deposit Rates are current as of September 30, mos. 60 mos. 120 mos. 36 mos. 36 mos. 2.00% 36 mos. 1.50% 36 mos. 1.00% 2.00% 1.50% 1.00% * Other Collateral: Motorcycles, Personal Watercraft, Recreational Vehicles, Campers, Boats, Motor-homes, Travel Trailers, and Farm Equipment. ** Share Secured: The APR will be the dividend rate paid on regular shares the previous quarter (Index) plus the percentage shown in the % Above Index column above. If there is an existing balance on the date of the new advance, the existing balance will be added to the new advance and the entire amount will be at the new APR. The rates are subject to change quarterly on the 1st day of January, April, July, and October to reflect any change in the Index. Any increase in the APR will result in more payments of the same amount until what you owe is repaid. ** Certificate Secured: The APR will be the dividend rate being paid on the Certificate offered as security (Index) plus the percentage shown 2.00% 5.00%-13.50% 5.50%-14.00% 6.50%-13.50% 7.00%-14.00% 7.75%-14.75% 8.40%-15.40% 8.90%-16.90% in the % Above Index column above. The Certificate must either be renewed until the advance is completely paid or be rolled over into a share account, at which point the advance will become a Share Secured advance and be subject to those terms. Failure to renew the Certificate or roll it over to a share account will result in default under the Plan. When the Certificate is renewed, the APR will change to reflect the new dividend rate. Any increase in the APR will result in more payments of the same amount until what you owe is repaid. The present APR and daily periodic rate for certificate secured advances will be disclosed on the voucher at the time of the advance. *** Partially Share Secured: The Annual Percentage Rate will be the Personal Loan rate for which the applicant qualifies minus the discount percentage shown under the Discount above. Payment example: Estimated monthly payment on a 36-month loan at 3.99%=$30.00 per $1, borrowed.

6 Loan Application Please Print Name: Member #: D.O.B. S.S. # Address: City: County: State: Zip: Home Phone: ( ) Work Phone: ( ) Purpose of Loan: Approx. Term: Amount Requested: Security Offered: You elect the following single credit disability Yes No insurance coverage(s): single credit life Yes No joint credit life Yes No Employer: Address: City: State: Zip: Position: Length of Employment: Income (current): Additional Income: Source: Total Current Annual Income: Debts Lender Balance Payment Mortgage/Rent 2nd Mortgage Auto Auto Total Payment Options (check one): Deduct monthly from Savings Checking Payment date requested: Deduct biweekly from Savings Checking Pay direct by mail or in person Branch Listing MAIN OFFICE DECATUR BRANCH NORTH METRO BRANCH Real Estate Department Business Lending Department NETWORK DISTRIBUTION CENTER BRANCH IBEW BRANCH MACON BRANCH VISA Department Drive-Up Window Service (this location only) SOUTH DEKALB MALL BRANCH Hours of Lobby Operation (this location only) CONTACT US 24-HOUR LENDING CENTER VISA CARD SERVICES Web Site: General Info@apcu.com I understand that the credit union will retain this application whether or not it is approved. The credit union is authorized to check my employment history and credit report. Signature: For a mortgage application, call (770) or Toll-free (800)