January 7, Dear International President,

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1 January 7, 2013 Dear International President, We are happy to announce that effective March 1, 2013, and following an extensive competitive bidding process, the nation s largest mortgage lender, Wells Fargo Home Mortgage, will be the new provider for the Union Plus Mortgage Program. Union members and their families will continue to receive the same great value they always have: A $500 gift card, available with all home purchase mortgages and mortgage refinances, to help offset closing costs. Assistance to help members pay their monthly mortgage bill when they are facing financial difficulties due to layoff, strike, lockout or a recent disability. We have provided $9.3 million to help members keep and stay in their homes. Competitive rates Outstanding service JPMorgan Chase has been the Program provider since However, last year it became apparent that Chase was not willing to continue to provide the full scope of benefits for all Member mortgages. So we sought a new provider that would maintain our program s value for members. Chase will continue to service all loans currently in the Union Plus portfolio and those whose applications they receive up to and including February 28, The Union Plus Mortgage Program will maintain the same toll-free phone number ( ) and web address (UnionPlus.org/Mortgage). We will provide additional details on this transition to your staff member assigned as the liaison to Union Privilege. We are very pleased that we will be able to continue the Union Plus Mortgage Program under similar terms that have helped more than 200,000 union members and their families buy a home. Please let me know if you have any questions. In solidarity, Leslie Tolf President

2 5 Reasons to use Union Plus Mortgage When it s time to buy a home or refinance a mortgage, union members can turn to Union Plus Mortgage. Here s 5 reasons why to use Union Plus Mortgage: 1 Union Plus Mortgage has helped 200,000 union members Union Plus Mortgage has provided $38 billion in mortgages to help more than 200,000 union members buy or refinance a home with easy and affordable mortgages. 2 Unique union-member-only mortgage assistance Union Plus Mortgage Assistance helps members who are unemployed, recently disabled, on strike or locked out make their mortgage payments with interest free loans and grants. Union Plus Mortgage Assistance has provided $9.3 million to help members keep their loans current and stay in their homes. No other mortgage in the country offers this protection. 3 $500 gift card to help with new home expenses Each member who buys a new home or refinances with the program will receive a $500 gift card after closing to help them defray expenses. 4 Help for first-time home buyers Special first-time homebuyer programs are available to help those who may be unable to be approved under conventional mortgage programs. Plus, members who are first-time buyers can apply for a $500 Welcome To Your First Home Award. 5 Available to children and parents The parents and children of union members are also eligible to apply for Union Plus Mortgages.

3 Mortgage FAQ Q: Why is Union Plus moving to a new mortgage provider? A: Union Plus Mortgage has been administered by Chase since Our current agreement with Chase will expire on Feb. 28, Unfortunately, Chase informed us that they were no longer willing to offer the full economic benefits of the program to union members and their families going forward. Q: Why did Union Plus select Wells Fargo? A: Wells Fargo, the nation s largest home mortgage lender, has agreed to continue all of the valuable member benefits of the Union Plus Mortgage program, and to support it with a team dedicated to the union program and backed with the resources of over 9,000 bank branches nationwide. Q: Is anything changing? A: Yes. Each member who closes their mortgage purchase or refinance with the program through Wells Fargo will now receive a $500 gift card redeemable at hundreds of wellknown and popular merchants. Formerly, members received a $495 credit at the closing. Additionally, members will be eligible on a preferred basis for programs aimed at first-time homebuyers who may be unable to be approved under conventional mortgage programs. Q: Will members be able to go into a Wells Fargo branch to apply for a mortgage? A: Yes, members will be able to apply online, by phone, or at any of the more than 9,000 Wells Fargo bank branches in the country. Please note that the ability to apply for a Union Plus Mortgage at Wells Fargo bank branches will be rolled out in phases throughout 2013 and will not be available nationally on March 1. Q: When will the Union Plus Mortgage program with Wells Fargo start? A: Members who apply online or by phone starting March 1, 2013, will be serviced by Wells Fargo. All member applications received by Chase up to and including Feb. 28, 2013, will remain eligible for the unique benefits of the Union Plus Mortgage program. Q: Will members who have a Union Plus mortgage through Chase continued to receive program benefits and services? A: Yes. Chase remains obligated by contract with Union Plus to service all members who currently have a Union Plus Mortgage. Q: Mortgage assistance grants and loans have provided $9.3 million to help save thousands of our members homes since Will union members with Union Plus mortgages remain eligible for assistance grants and loans in case of layoffs, strikes, lockouts, disabilities or natural disasters? A: Yes. Members with a Union Plus Mortgage program from Chase will continue to be eligible for these grants and loans. Wells Fargo will also continue to offer this important benefit for Union Plus Mortgage holders. Q: Will the program phone number and web URL UnionPlus.org/Mortgage remain the same? A: Yes, these points of contact will not change. Q: Who can I contact for additional information? A: Please contact your union service representative.

4 ENJOY SAVINGS SER VICE ENJOY IT SOLIDARIT Y 40 PLUS BENEFITS FROM UNION UNION RSAVINGS SER VICE SOLIDA READY TO BUY OR REFI? Get great LOW RATES and UNIQUE PROTECTIONS with a Union Plus Mortgage! When it s time to buy, you just can t beat the benefits of a Union Plus Mortgage. Rely on us for a great deal, from a trusted lender. A home loan that s specially designed for union families, complete with valuable protections you won t find anywhere else! HISTORIC LOW RATES. Our experts help you figure out what you can afford and choose the best loan from our wide range of options. $500 GIFT CARD Receive a $500 gift card with every purchase or refinance. $500 FIRST HOME BONUS. Active or retired union members may apply for our Welcome to Your First Home Award. UNIQUE HARDSHIP ASSISTANCE. We provide interest-free loans to help you make mortgage payments when you re unemployed, disabled, locked out or on strike. The first $1,000 is a grant that does not need to be repaid. UnionPlus.org/Mortgage1 Call to speak to a mortgage counselor. Buy or Refi Ad1/FullPage 03/2013

5 News *FOR USE AFTER MARCH 1* Union Plus Mortgage Offers Benefits To Members The Union Plus Mortgage Program makes buying or refinancing a home easy and affordable with competitive pricing and special protections. With financial hardship assistance, a program to help first-time home buyers and a $500 gift card with every purchase or refinance, this benefit can help union members, retirees, their children and parents achieve the dream of homeownership. Union Plus Mortgage offers the following benefits: Expert Advice Mortgage experts can help you through the buying or refinancing process. $500 Gift Card Complete a purchase or refinance and receive a $500 gift card to defray new home expenses. Mortgage Assistance Loans An interest-free loan to cover up to six months of mortgage payments is available for union members who face unemployment, disability, lockout or a short-term union-approved strike. The first $1,000 is a grant that does not need to be repaid. Mortgage Strike Assistance Union Plus Mortgage will cover mortgage payments for up to six months for union members who are on strike or lockout for more than 30 days. First Home Award Members who use Union Plus Mortgage to buy their first home can apply for a $500 Welcome to Your First Home Award. To get expert advice from people you can trust about buying or refinancing a home, call , or visit UnionPlus.org/Mortgage. Union Privilege 1100 First Street, NE Washington, D.C Phone (202)

6 SHIPPING INFORMATION N am e: Uni on : Local: Street A ddress: Please use Promo Code PRESM-0213 (If you r address includes a P. O. box, p lease A LSO provide yo ur street address.) 1100 First Street, N.E. City: State: Zip: Suite 850 Daytime Phon e: Local Phone: Washington, DC E-maiIAd d ress: UnionPlus.org D Please e-ma il me free Uni on Leader UPd at e and Uni on Plus b enefits up da tes and co nsumer tips. M obile Nu mb er* D Please send me occas io nal Uni on Plus text alerts.* * Message and data rates may app ly depending on yo ur cell plan. You can op t out of our te xt service at any time by replying STOP to any message that you receive. TELL US ABOUT YOUR LOCAL N umber of members: Number of worksite s: Local website address: Do yo u have a local news lette r o r e-newsletter? Yes: D No: D If yes, th e p erson who handles th e newsletter o r e-news letter is? Name: Dayt im e Pho ne: E-m ail Ad dress: ORDER Oty. Credit Card A pplicati on s M ember Ben efits Brochures 4 WAYS TO ORDER AT&T Wireless Co upons Organizing Benefits Brochures PRINTED MATERIALS M ortgage Brochures Hardship Gr ant Inform ati on 1. Ca ll or Add it ional Displ ay Stands t for Un ion Plus M at eri als t Limit: 1 d isplay p er worksi te wit h 100 or more members. Every quarter, you w ill reg ul arly 2. Fax to Union Privilege at receive refill mat eri als so yo u can rep leni sh yo ur d isp lays wit h updated information Other Materials : If yo u wo uld like info rma t io n on other Un ion Plus programs not listed above, 3. Online at UnionPlus.org/Order please list them here : 4. Mail to Union Privilege, Fulfillment, Suite 850, 1100 First Street, N.E. Washington, DC PRESM-02/13 "~, Union Printed in the U.S.A. For Faster, Easier Service - Order Your Materials Online! Visit the Union Leader site - UnionPlusLeaders.org - to download FREE materials and for tips on promoting the Union Plusbenefits. Save your contact information online - then re-order with ease in the future. UnionPlus.org/Order