Work. APG Federal Credit Union : Benefiting Your Employees. Federally insured by NCUA

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1 APG Federal Credit Union :

2 1 Your Bottom Line Here at APG Federal Credit Union, we believe that people lead happier lives when they are financially healthy. That s why we developed, a program designed for employees. This program brings affordable financial services to your workplace at no cost to you. We do this because we know that employees who are financially healthy are more engaged. And engaged employees lead to workplace improvements such as: Increased staff motivation Lower turnover and higher attendance Enhanced worker productivity Reduced human resources administrative costs The Credit Union Difference Credit unions are not-for-profit, cooperative financial institutions. And our difference lies in our ownership our members are our owners and they benefit from fewer fees and better rates on our products and services. APGFCU is a community credit union and serves everyone who lives or works in Harford or Cecil County and immediate family members. We have partnered with local businesses like yours since 2009 and our mission is to empower our members to build wealth. Let us bring our strong commitment to member services to your employees. *We serve everyone who lives, works, worships, volunteers or attends school in Harford or Cecil County or specific areas of Middle River.

3 2 As a partner, your employees can take advantage of all the benefits APG Federal Credit Union provides. These include free budgetary advice, 10 convenient branches, over 32,000 surcharge-free ATMs nationwide and Member Rewards. And these are just some of the benefits your employees and their families will appreciate. We ll come to you Our skilled APGFCU financial services professionals will come to you. We are available for you and your employees at your convenience during a lunch break, a staff meeting or after normal business hours to: Conduct free, on-site financial education presentations Support your employee appreciation events Help employees start savings plans with on-site, open enrollments Accept your employees loan applications, on-site Help employees save money through our Buy Local program And much more! Starting the path to savings APGFCU will deposit the initial minimum account opening balance into a new dividend-earning share savings account. This account establishes membership and ownership in the cooperative. In addition, employees can open a Free Checking account we ll even deposit $10 to get them started.

4 3 How to Start In three easy steps, you can help your employees start making the most of their money. STEP 1: Complete the Membership Agreement (included in this packet). STEP 2: or mail the completed Agreement to: Mail: Business Development Department APG Federal Credit Union P.O. Box 1176 Aberdeen, MD (For your convenience, please use the postage-paid envelope.) STEP 3: Schedule your first open enrollment or free financial education workshop for your employees. Welcome to. You re on your way to providing your employees with the resources and assistance they need. Your employees financial well-being is our priority.

5 4 Membership Agreement This agreement recognizes that your organization,, has chosen to participate in APG Federal Credit Union s program. As a participating partner, your employees, volunteers and their immediate family members and members of their households are eligible to open accounts at APGFCU. Organization Name Number of Employees Web Site Contact Name Contact Title Phone Street Address City State Zip Authorized Signature Thank you for choosing APGFCU!