7.94. Financial. Consolidate. With a Great APR* INFORMANT. Holiday Bills Piling Up? Let Police FCU help you turn this... into this...

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1 POLICE FEDERAL CREDIT UNION S Financial Winter 2016 INFORMANT Holiday Bills Piling Up? Let Police FCU help you turn this... into this... With a Great Rateto Consolidate Rates as low as 7.94 % APR* *Annual Percentage Rate. **Rate reflects 0.80% Anniversary discount for Direct Deposit of $1,000 or more monthly with automatic payments. Checks will be made payable to the creditors. Police FCU loans not eligible for refinance (unless part of a larger consolidation loan). On a loan of $15,000 at 7.94% for 36 months, your payment would be $ Other rates and terms are available. Ask for details. How would you like to trade your pile of bills for one manageable payment and having that one payment automatically deducted from your direct deposit with Police FCU. A Debt Consolidation Loan from Police FCU is the perfect way to do just that and save you money at the same time! Simplify your debt with a Police FCU bill consolidation loan and lighten your load from the mailbox! Credit card and other unsecured loan rates may be two to four times higher than our bill consolidation rate. Our rates start at 7.94% APR* depending on your credit score with your direct deposit and automatic payments**. It s never been easier. Call today! PLUS! - Get your FREE Annual Financial Check Up to see how we can help your Bill Consolidation dollars go even further! Your Quarterly Source to Patrol the Best in Financial Services

2 Let Us Help You Save for Retirement IRA options from Police FCU Many have made resolutions to save more or save more effectively in the New Year. Whether you are saving for retirement or higher education, Police FCU offers an IRA program that can assist you in reaching your financial goals. Traditional IRA - A great option for creating a balanced, long-term savings plans with tax deferred earnings and possible tax-deductible contributions. Roth IRA - More flexibility in the use of your investment. Not tax deductible; however, qualified distributions are tax-free. Consult your tax advisor about maximizing this option. SEP (Simplified Employee Pension) IRA - Retirement accounts which allow employers to make tax-deductible contributions on behalf of eligible employees. Employees do no pay tax on these contributions, but distributions are taxed-subject to many traditional IRA rules. Coverdell Education Savings Accounts - Can be used to pay for qualified elementary and secondary education expenses (tuition, fees, books, other supplies, and in some cases, even room and board). Contributions are not tax-deductible, however, a Coverdell ESA offers the potential for taxfree withdrawals if used to pay qualified education expenses. In order to get the maximum benefit, be sure to make regular contributions. For more information, we encourage you to visit the IRA homepage or call us at today! Board of Directors Nominations Important Information for Board of Directors Candidates There are three (3) Board positions open for this coming year. Police FCU members who are 18 years of age and in good standing with the Credit Union are eligible to run for the Board of Directors. A Nominating Committee has been appointed and will accept nominations until March 7, Members who wish to be considered by the Nominating Committee should submit a letter acknowledging their intent to serve in a non-pay, voluntary capacity, their willingness to attend regular and special meetings of the Board when notified, and their willingness to volunteer a minimum number of 40 hours each year to attend credit-related training courses, conferences, and other events. Please submit your letter of intent with a biography to: Police Federal Credit Union Attn: Nominating Committee Mark Your Calendars Police FCU Annual Meeting Are you a member in good standing? Are you looking for a way to learn more about your credit union and become involved? Mark your calendars for Police FCU s Annual Meeting as we review highlights of 2015, unveil plans for 2016, and elect our Board of Directors. Saturday, April 16, 2016 FOP Lodge Old Largo Road Upper Marlboro, MD 9:00am-11:30am Light breakfast followed by business meeting Please RSVP by phone or Linda Dixon at ldixon@policefcu.org

3 3 Apps to Better Manage Your Personal Finances In this day and age, with all the progress in the technologically advanced world, people crave convenience and will turn to options that make their lives easier. Long gone are the days of waiting for statements in the mail and visiting the branch being your only ways of managing your account. With smartphones and tablets, there is so much you can do from the convenience of anywhere. Check out these three apps that can help you better manage your personal finances 1 Police FCU Mobile App The credit union app takes all of the conveniences of your online banking account into a mobile device. If you re at a coffee shop, at the grocery store, or at a sporting event, you can track and manage your accounts. With this app, you are able to check balances, transfer money, pay/schedule bill payments, apply for loans, check out the latest promotions and so much more. 2 Sprig by CO-OP This app is the ultimate virtual credit union wallet. Sprig by CO-OP allows you to have access to all your credit union accounts in one place. Once you add your credit union accounts, you can view balances, send money to anyone s credit union account with P2P payments, scan and deposit checks, search for the nearest surcharge-free ATM s and transfer between accounts. This app gives you the same capabilities as visiting a Shared Branch from virtually anywhere. 3 Benefits Plus Personal Mobile Concierge If you are a Benefits Plus Checking member, this is a must-have app. You can power up local savings and have live concierge service at your fingertips. It s as simple as tap, show, and save all over town. Not a Benefits Plus member? Call today to take advantage of these great benefits. Download these free apps today! *Standard data rates apply. PERSONAL MOBILE CONCIERGE Home Equity Home values are up and our Home Equity rates are down. School tuition, home repairs, renovations or consolidation of bills-there are many different uses for a home equity loan. The Police FCU home equity loan is a great option that features great rates and flexible terms. Rates as low as 3.49 % APR* To apply for a fixed rate home equity loan call us and speak with a loan officer today!

4 Are you headed off to college or trade school in 2016? Well Police Federal Credit Union is pleased to announce a college scholarship opportunity to make it easier for you to meet tuition costs. The $12,000 Credit Union College Scholarship Program for 2016 is underway now! College-bound members are eligible to apply for one of ten $1,000 essay-based scholarships - one $1,000 video-based scholarship; and one $1,000 photo-based scholarship. And, yes, you may apply in all three categories! Deadline for applications is March 31, Awards will be made in May This year s essay topic: You and a friend would like to start building your credit. Discuss with your friend what good credit is, ways to start building credit, how your credit union can help, and the benefits earned by having good credit. This year s video topic: Create a 60-second video that displays the importance of financial literacy. Photo applicants are asked to capture and submit a photograph that represents the credit union core value, Service. Any member of Police Federal Credit Union who is entering their freshmen through senior year of college or trade school may apply. We re pleased to offer this opportunity for our young members. The awardees receive needed financial assistance to help them meet their tuition expenses and the application topics stimulate innovative and useful responses to help us better serve our college-aged members. Applications are accepted online at: Police Federal Credit Union, the Credit Union Foundation MD DC, and its generous supporters make this scholarship program possible. Privacy Policy WHAT DOES POLICE FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION? Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. What? The types of personal information we collect and share depend on the product or service you have with us. This information can include: social security number, date of birth, transactions, income, and credit history, account balances, mortgage rates and payments, and checking account information. How? All financial companies need to share members personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members personal information; the reasons Police Federal Credit Union chooses to share, and whether you can limit this sharing. Reasons we can Does Police Can you share your personal Federal Credit limit this information Union share? sharing? For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and Yes No legal investigations, or report to credit bureaus For our marketing purposes - to offer our products and services to you Yes No For joint marketing with other financial companies Yes No For our affiliates everyday business purposes - information about your transactions and experiences Yes No For our affiliates everyday business purposes - information about your creditworthiness Yes No For non affiliates to market to you No We don t share How does Police Federal Credit Union protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate. How does Police Federal Credit Union collect my personal information? We collect your personal information, for example, when you: open an account, deposit money, apply for a loan, provide account information, provide mortgage information, pay your bills or use your credit or debit card. We also collect your personal information on an ongoing basis from others, such as credit bureaus, affiliates, or other companies. Why can t I limit all sharing? Federal law gives you the right to limit only: sharing for affiliates everyday business purposes information about your creditworthiness, affiliates from using your information to market to you and sharing for non affiliates to market to you. State laws and individual companies may give you additional rights to limit sharing. Definitions Affiliates Companies related by common ownership or control. They can be financial and non financial companies. Police FCU has no affiliates. Non affiliates Companies not related by common ownership or control. They can be financial and non financial companies. Non affiliates we share with can include insurance companies, direct marketing companies. Joint marketing A formal agreement between non affiliated financial companies that together market financial products or services to you. Our joint marketing partners include insurance companies. Questions? Call (local), (toll-free) or go to Need money to cover your taxes? We can help with that too!

5 Police Federal Credit Union Members Save Big with the Credit Union Member Discount Save on your monthly wireless bills plus have your activation and upgrade fees waived. Our members can save: 10% off* select personal Sprint plans 15% off* select business Sprint plans Waived activation fee on new activations Waived upgrade fee Available to new and existing Sprint customers Consider the Sprint Credit Union Member Discount one of the many perks for being a member! 3 Ways to Get Your Discount: Call 877.SAVE.4CU ( ) and let them know you re a credit union member. Ask to be a part of the NACUC_ZZM Corporate ID to save Click LoveMyCreditUnion.org/Sprint Visit your nearest Sprint store Stop overpaying for your wireless services, start saving with the Sprint Credit Union Member Discount today. *Application of discount requires 2-year contract extension on existing plans. Verification of membership is required at time of activation/upgrade. Discount not available on secondary lines for Family and Business Share plans. All rights reserved. Sprint, the logo, and other trademarks are the trademarks of Sprint Nextel. Easy Tax Filing And Faster Returns with Police FCU & TurboTax Tax time is right around the corner. If you re looking for a easier way to prepare your taxes, try TurboTax Online today. You ll find step-by-step tutorials that will guide you through the process from start to finish. Have your tax refund direct deposited into your credit union account. You will need the Police Federal Credit Union s ABA/Routing Number, Visit and click the TurboTax banner to access TurnoTax online. FIND OUT MORE Police Federal Credit Union Headquarters and Branch Office Branch Hours: 9:00 a.m. 4:00 p.m., M-F Drive-Thru Hours: 8:00 a.m. 6:00 p.m., M-F; 8:30 a.m. 12:30 p.m., Sat. Downtown DC Branch Office 300 Indiana Avenue NW, #4067 Washington, DC Branch Hours: 8:00 a.m. 3:00 p.m., M-F Phone: Audio Response Banking By Phone: Fax: Internet: Visit our website and click contact us. Please use the following address for all correspondence: Police Federal Credit Union For current rates on Police FCU deposit and loan options, visit or call or 877-ARU-PFCU ( ) toll-free. Police FCU by the numbers As of November 30, 2015 Membership... 11,105 Assets...$141,973,053 Shares... $123,198,170 Loans... $ 76,511,714 Surcharge-Free ATM Locations Visit for your nearest ATM or shared branch. DC First District 101 M St., SW Third District 1620 V St., NW Fourth District 6001 Georgia Ave., NW Fifth District 1805 Bladensburg Rd., NE Sixth District 4201 Benning Rd., NE Seventh District 2455 Alabama Ave., SE MPD Police Training Academy 4665 Blue Plains Dr SW Holiday Closings MD Upper Marlboro Police FCU Building 9100 Presidential Pkwy. Capitol Heights In the Hampton Mall, 9001 Central Ave. Rt. 214, Exit 15B off I-495 Marlow Heights, 4003 Branch Ave. 168 Shared Branches in the MD/DC/VA area: MD - 50, DC - 25, VA - 93 Nationwide: 5,000 + Martin Luther King Jr. Day Monday, January 18, 2016 Presidents Day Monday, February 15, 2016 Serving Your Needs. Protecting Your Future.

6 Police Federal Credit Union Headquarters and Branch Office PRESORT STANDARD US POSTAGE PAID ORLANDO, FL PERMIT #4825 WHAT S INSIDE! Holiday Bills Piling Up? Let Police FCU help! 3 Apps to Better Manage Your Personal Finances Board of Directors Nominations IRA options from Police FCU Holiday Bills Piling Up? Let Police FCU help you turn this... Paperless - Go Green Aside from helping the environment and the reduction of paper clutter in your home, how can signing up for e-statements benefit you? Remember, as a member of Police FCU, you own the credit union. The savings ultimately comes right back to you. With estatements, this extra cost is eliminated and the savings are ultimately returned to you! To go paperless, simply login to your Police FCU Online Banking account, click the Access e-statements button, and follow the registration prompts. into this... With a Great Rateto Consolidate See Inside for details!