Notre Dame Federal Credit Union Upgrades its Corporate Headquarters

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1 A Publication for the Members of Notre Dame FCU Spring 2015 Notre Dame Federal Credit Union Upgrades its Corporate Headquarters We re rejuvenating and modernizing our headquarters to keep pace with the changing demands of our members, said Notre Dame Federal Credit Union President/CEO Tom Gryp. Notre Dame Federal Credit Union has always been, and will continue to be, committed to serving the Notre Dame and Michiana community. This project illustrates our continued commitment to serving our campus members and our community as a whole. Notre Dame FCU s corporate headquarters and main campus branch on Moreau Drive is being remodeled! The original exterior, built in 1981, will be modernized with a glass and steel entryway and a new logo to enhance street visibility, appeal and member access. Gryp said this is another example of the credit union increasing its investment in products and services to aide its members. This corporate headquarters upgrade comes on the heels of a multi-million dollar system upgrade that was concluded in Notre Dame FCU hired local South Bend companies MPA Architects and Ziolkowski Construction, Inc. to complete the project. Additional plans to upgrade and modernize the interior of the building will be announced in Notre Dame FCU Sponsors South Bend 150 Notre Dame FCU is proud to be a sponsor of the 150th anniversary of South Bend s founding! The yearlong commemoration to honor the city s sesquicentennial will celebrate the city s past and chart its future. A variety of artistic, service, and communityoriented events are scheduled throughout the year, highlighting what 150 years of hard work, leadership, determination, and energy have built. The highlight of SB150 will take place the Birthday Weekend, May Notre Dame FCU has been serving the community for more than 70 years and is committed to the South Bend area. Check out SB150.com for a list of upcoming events.

2 A Fresh Perspective TOM S CORNER Dear Fellow Members, As we embark on a new year, all signs point to optimism and opportunity for members of Notre Dame FCU. No doubt about it, last year was full of change as we completed a multi-million dollar system upgrade, rolled out several new products and made adjustments to our branch network. With those changes behind us, now is the time for us to take advantage of the enhanced financial solutions designed to make your life easier. Have you tried our new Remote Deposit Capture (RDC) application yet? Thousands of our members have and are benefiting from the convenience of banking from their home, office or dorm room. How about e-alerts? Never be surprised by a low balance again and avoid incurring potential overdraft fees as well. Still writing checks the old fashioned way? Save the cost of all those stamps and be in control when bills are received by using our online BillPay service. It is absolutely free! There are many more new, free services for you to use, but you get the idea. These new offerings were all designed to make your life easier, so don t be afraid to experiment with them. If you have any problems or questions, call one of our Shamrock Center agents at any time from 8 a.m.-8 p.m. EST Monday- Friday and 8 a.m.-5 p.m. on Saturdays. In case you haven t noticed, interest rates continue to decline. This creates an excellent time to do some proactive financial planning to help you pay off debt faster. Begin by looking at all your debt, including car loans and credit cards as well as your mortgage. How much is the interest rate on each of those loans? You will be flabbergasted to discover how much money you can save by simply refinancing your mortgage and car loan and moving your credit card to where you get a lower interest rate. Even better, after you refinance your loans to a lower rate, keep paying the same amount as you were previously as a strategy to pay off your loan faster! You will end up paying off those loans quicker than you thought possible! Remember that Notre Dame FCU is your credit union. Take full advantage of everything we have to offer and see how your financial life can improve. As always, if you have any questions, suggestions, comments or complaints, please do not hesitate to contact me at [email protected]. Thanks for being part of the Notre Dame FCU family! Thomas J. Gryp, President/CEO [email protected] 2

3 Let s Go A.P.E.! We need your updated Address, Phone #, and ! Notre Dame FCU is dedicated to providing a memorable experience for its members. We pride ourselves in offering modern technology so that you can have access to your accounts at your fingertips. With this movement, we need to have updated phone numbers, addresses and addresses. Our partners will ask you to verify information when you call in to protect your information, and in the branches we may ask for identification. Not only can you call us, or update this information at a branch, but you can also update your personal information using the info center tab in online banking. Take time to review your data to make sure we can reach you to notify you of breaches, possible fraud alerts, or just to let you know how much we appreciate your loyalty. Let s go A.P.E. (address, phone number and address) in 2015! Cyber Blog by: Eric Wathen, Manager of BSA Compliance It seems every time you watch the news or read the newspaper, another merchant is reporting their payment system has been breached and their customers card information has been compromised. In 2014 alone, there were over 700 data breaches reported from the healthcare, business, government, education, and financial industries. Hacking is the primary cause of data breaches and can leave consumers and businesses looking for ways to protect themselves and their personally identifiable information (PII). This increase in cyber attacks has not gone unnoticed. While Notre Dame FCU makes continuous internal improvements to our own security, there are also preventative measures consumers can implement to reduce identity theft and increase cyber security awareness. Examples include: Protect your Social Security number Create complex login IDs and passwords Regularly check your bank and credit card statements Check your credit reports Keep your anti-virus software updated On February 10, 2015, the White House announced the creation of a federal agency to battle cyber threats targeting government and the private sector. This new agency, the Cyber Threat Intelligence Integration Center, will operate out of the Office of the Director of National Security. Their directive will be to coordinate the gathering and sharing of cyber intelligence with other government agencies involved in the detection and prevention of cyber threats. It is expected a number of new regulatory changes strengthening consumer cyber protection laws will emerge in the coming months. For more information, please visit the NCUA s consumer site, for other helpful resources to aide credit union members in the identification and prevention of identity theft and other frauds and scams. Introducing Elevate from Notre Dame Federal Credit Union! Notre Dame FCU recently launched Elevate TM, its new fundraising program. The Elevate TM program will earn churches and Catholic schools hundreds, possibly thousands, of dollars on certain Notre Dame FCU financial products, such as, auto loans, credit cards, and mortgages. Learn more about generating significant contributions for your parish or school at NDelevate.com. 3

4 Fee changes: Effective June 1, 2015, the following fees will take effect: Mailed Paper Statement Fee: $1.00 / statement (Waived for members under the age of 18) Escheated Account Processing Fee: $ Tax Levy/Court-Ordered Garnishment/Withholding: $ WE ARE GIVING AWAY $500 5 lucky members will win $100 VISA Gift Cards Login to sign up for estatements before May 31, 2015 to be entered to win Debit Card Round-Up Build your savings automatically. Introducing Debit Card Round Up! With Debit Card Round-up, groceries, coffee, lunches, and tanks of gas purchased with your Notre Dame FCU debit card can automatically add up to more savings for you. How Round-Up Works: Round up your purchase to the nearest dollar amount when you use your debit card The difference is transferred from your checking account to your savings account daily Track your savings in Online Banking Enroll today. Call the Shamrock Center: SPEND $4.23 on coffee ROUND UP $.77 rolls over to saving The sweepstakes runs April 1, 2015 May 31, 2015 and the winners will be selected on June 7, Odds of winning will be determined by the number of entries. Must be at least 18 years old to enter. Employees of Notre Dame FCU and their immediate families are not eligible to win. Signing up for estatements is not necessary to win. To enter, send us a postcard with your name, address, and home telephone number to: estatement Sweepstakes, Attn: Marketing Department, Notre Dame Federal Credit Union, P.O. Box 7878, Notre Dame, IN Entry must be postmarked by May 31, See official rules at NotreDameFCU.com/win100. Independent of the University. WHAT IF EVERY $ YOU BRING HOME REPRESENTED THE FUTURE & NOT AN OBLIGATION TO THE PAST - DAVE RAMSEY Notre Dame FCU Offers Financial Peace University Classes Learn how to get rid of debt, manage your money, spend and save wisely, and more with Dave Ramsey s Financial Peace University! Classes are offered each month in both English and Spanish. Learn more at NotreDameFCU.com/DaveRamsey Holiday Closings Notre Dame FCU will be closed on: Friday, April 3, closing at 1 p.m. for Good Friday Monday, May 25, closed for Memorial Day Saturday, July 4, closed for Independence Day 4

5 EARNS REWARDS! Your Points, Your Perks, Your Way! Choose from hundreds of rewards. Use your points to redeem for rewards in categories including gift cards, merchandise, travel, and much more! Access Rewards! at dreampoints.com/notredamefcu. Don t have a VISA Platinum yet? Apply today at NotreDameFCU.com/Platinum Notre Dame FCU Annual Meeting 2015 Date: May 19, 2015 Time: 5:30pm Place: William Carey Auditorium in Hesburgh Library on the University of Notre Dame campus All members are welcome to join! Website Improvements Visit NotreDameFCU.com to see updates to our website centered around YOU. Be sure to check out your Irish Connection information to read blogs by students, alumni, and the official Notre Dame FCU blog. Watch videos or listen to podcasts about athletics and life after graduation. Join the Notre Dame FCU Family! At Notre Dame FCU, our members are our family. Serving them quickly, professionally and with a warm smile creates an atmosphere of pride! Perk up your career and become a partner at Notre Dame FCU! Visit NotreDameFCU.com to learn more about our current open positions. Website Login Will Soon Require a Username Update your NotreDameFCU.com login information, and protect your account information by creating a username to login to your account. Plan ahead, as this feature will be required beginning on July 1, Login 2. Click Info Center 3. Click Username under My Preferences 4. Type your new username 5. Click Change My Username 5

6 VISA Checkout Pay online the fast way with Visa Checkout Visa Checkout lets you skip the extra typing When you re ready to buy online, all you need to do is: Visa Checkout simplifies your entire payment process. Learn more and enroll today at visacheckout.com Turbo charge your online shopping cart 1. Click the Visa Checkout button 2. Enter your Visa Checkout login info 3. Confirm your purchase It s that simple!enroll Enrollyour yournotre [Issuer Name] card that simple! Dame FCUVisa Visa cardtoday today at visacheckout.com at visacheckout.com Visa Checkout lets you skip the extra typing LET S MAKEready IT HAPPEN When you re to buy online, all you need to do is: HAPPEN! 1. Click the Visa Checkout button 2. Enter your Visa Checkout login info 3. Confirm your purchase Legal Notice: When using the templates and sample messages, you should consult with your legal counsel to determine whether the disclosures are appropriate and what additional disclosures may be required under both applicable law and your financial institution s policies. It is your responsibility to have your materials reviewed and approved by your legal department before they are produced and distributed. STOP PAYING It s that simple! Enroll your [Issuer Name] Visa card today at visacheckout.com with a Home Equity Line-of-Credit = Issuer Customization Opportunity Flat Size: W x H Finished Size: W x H Colors Used: 4-color AT TAX-TIME Schedule your appointment today Free Notre Dame FCU custom Legal Notice: When the spatula whenusing you open yourtemplates and sample messages, you should consult with your legal counsel to determine whether the disclosures are appropriate and what additional disclosures may be required under both applicable law and your new HELOC financial institution s policies. It is your responsibility to have your materials reviewed and approved by your legal department before they are produced and distributed. Plus you ll be entered to win a WEBER grill when you draw Issuer Opportunity $2,000 fromcustomization your HELOC** = Flat Size: W x H Finished Size: W x H Colors Used: 4-color 3.49% APR fixed 6-month introductory rate Home Equity Line-of-Credit* Need money for home improvements, debt consolidation, a much-needed vacation or something else? Turn your home s equity into cash and get funds to meet your needs, whatever they may be. *APR is annual percentage rate. Loan is subject to credit approval. Rate is non-variable for first six (6) months. At end of introductory period, rate will convert to variable and will be Prime Rate + 1% with a floor rate of 4%. Maximum rate is 18%. Your variable rate may change when the Prime Rate changes. The variable rate will be determined by adding 1% to the highest U.S. Prime Rate published in The Wall Street Journal Money Rates table on the 15th business day of each month. The rate is effective on the first day of the billing cycle. Minimum loan amount of $10,000 required. Monthly minimum payment: 1% of the principle balance outstanding on the last day of the billing cycle or $50.00, whichever is greater. Please contact a Notre Dame FCU Representative for further details. ** Members will receive a custom laser-cut spatula upon closing loan in-branch only. These members will also be entered into a drawing to win a WEBER Genesis S-330 LP grill upon 6 advancing $2,000 on their Home Equity Line-of-Credit by May 31, The sweepstakes runs March 18, 2015-May 31, 2015 and the winner will be selected on June 8, Odds of winning will be determined by the number of entries. Must be at least 18 years old to enter. Employees of Notre Dame FCU and their immediate families are not eligible to win. No purchase necessary to win. Send your contest entry in an envelope to: Grill Giveaway Promotion, Attn: Marketing Department, Notre Dame Federal Credit Union, P.O. Box 7878, Notre Dame, IN On the entry, print your name, address and home phone number. Entry must be postmarked by May 31, Independent of University. Weber and Genesis are registered trademarks of Weber-Stephen Products LLC. Used with permission. All rights reserved. Find out how you can make your money work for you with the Private Member Group at Notre Dame FCU. Our exclusive income tax preparation service is available for as low as $199, and connects you with a licensed CPA who will prepare and file your tax return for you. Contact us today to schedule an appointment! ndpmgtax.com Federally Insured by the NCUA. Independent of the University.