Mortgage Services Moves to its New Bittersweet Location!

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1 A Publication for the Members of tre Dame FCU Fall 2014 Mortgage Services Moves to its New Bittersweet Location! and ensuring a hassle-free transition. The team works with members to assist with the mortgage process while also servicing other financial needs such as a new checking account, auto loan or home equity loan. The tre Dame FCU Mortgage Experience is Different and Better The tre Dame Federal Credit Union Mortgage Services team continues to expand and grow, and after comprehensive analysis it was determined that the best way to provide mortgage service to our members was to expand our Mortgage Services team with a new location and bigger facility at our Bittersweet location. The Bittersweet Branch ATM on the exterior of the building remains available 24/7, however walk-in and drive-up banking is no longer offered. Mortgage has been key to tre Dame FCU growing its assets under management by 10% over the last four years and we expect that growth to continue into the future, said Director of Mortgage Services Matt Highbarger. The new center provides room for additional staff members as well as providing private meeting space for members to meet with mortgage lenders, offering a higher level of service to members. New to the Mortgage Service Center is the Concierge Services Team! This new service focuses on simplifying members moving their finances from other institutions Unique Mortgage Concierge Service A Team Approach to Financial Affairs Mortgage members receive both the assistance of a dedicated Mortgage Loan Originator and an additional Mortgage Concierge partner who serves as an expert on all things tre Dame FCU. Underwriting and Processing Team under One Roof Loan originators can speak face-to-face with everyone involved in the process at any point in time, which avoids delays. Experience and Market Knowledge Our team has decades of cumulative experience and market knowledge to give members a positive mortgage experience. Service Stays Here tre Dame FCU currently retains servicing on virtually every originated loan. During the life of your loan, we are here to answer your questions. If you are considering purchasing a new home or would like to see how much the current low rates could save you on your house payment, please call today at 574/ !

2 A Fresh Perspective TOM S CORNER Dear Fellow Members, I hope this note finds you well. As I have been sharing with you over the past several quarters, 2014 has been earmarked as the year that our credit union completes its transformation from a caterpillar into a butterfly. Due to significant investments of time and money, we are now able to provide you with the financial tools necessary to prosper in the 21th century. It all comes down to this more choices for you. In addition to our branch network, you can now get top-notch service through our Shamrock Center (call center), online banking and our mobile applications. Remote Deposit Capture (RDC) is also now available, so you can take pictures of your checks and deposit them without coming to a branch. For our members living outside the Michiana area, our shared branching network has grown to more than 5,000 physical locations plus 32,000 surcharge-free ATMs. Through utilization of electronic documents and electronic signatures, we can now lend money in all 50 states without delays resulting from snail mail. Our new core system has significantly improved integration with our online banking and billpay systems, also providing a more member-friendly experience. Fewer log-ins are required because of this integration as well. I m also excited to announce that in vember we will be completeing the upgrades to our credit card program in order to give you more choices. We re eliminating the separate website and log-in to see credit card transactions, balances or to set up payment arrangements. Going forward, it all will be done from inside our Online Banking website, tredamefcu.com. Another improvement will be your credit card statement arriving along with your monthly membership statement. Eliminating a separately-issued credit card statement not only makes managing your banking more convenient, but it also is good for the environment especially if you are enrolled in e-statements! As part of this transition, your 1% Visa Platinum cash rebate will be paid out one month early, on your October credit card statement. Beginning in vember, our 1% cash back program will be replaced with a robust points program, called Rewards!. Our new Rewards! program will award points for purchases and will provide you with significantly more redemption options than the old system. With Rewards!, you can redeem points for merchandise, travel discounts, trip experiences, gift cards to your favorite merchants, or even pre-paid Visa cards. Look for more information coming about our new Visa Platinum Rewards! program in your mailbox, , online and in social media. As I celebrate my 4th anniversary with tre Dame Federal Credit Union, the system-wide improvements have made us a more vibrant and forward-looking financial institution. It has not occurred overnight and was the result of multiple initiatives, many occurring simultaneously. Many thanks to the scores of tre Dame FCU partners who worked long hours and many weekends to ensure these projects concluded successfully. Our transformational work is nearly complete and with your continued support and loyalty, our future together is very, very bright. Thank you all for being part of the tre Dame FCU family. Thomas J. Gryp, President/CEO [email protected] 2 800/ tredamefcu.com

3 Our CEO in a Kilt? Tell Me it Ain t So! As part of the Michiana-area Ronald McDonald House fundraising efforts, local businessmen were asked to set aside their pride, don a kilt and traverse around town, asking people to vote for them in the 5th Annual Men in Kilts Contest. Never shy to take on a worthy cause, tre Dame FCU President/CEO Tom Gryp exchanged his pants for a kilt and hit the campaign trail. The experience had both its highs and lows. Most would agree that the low for Tom was when he threw out the first pitch, in his kilt, at a Silver Hawks baseball game and bounced it several times to the catcher. Did we also mention it was the day of the tre Dame FCU Picnic at the ballpark with all of the employees watching? Double Ouch! However, the effort was worth it. Tom s campaign raised over $47,000 for the Ronald McDonald House. Let s just hope he doesn t take up dancing for the next fundraiser!!! Thanks to all of the members who contributed at the branches! Attention Members tice of Change in Terms for Consumer and Business Accounts Effective December 1, 2014, the following Consumer and Business Accounts will require a new minimum daily balance of $400 to obtain the disclosed annual percentage yield (APY): Consumer Accounts Consumer Account Type Current Min Bal to Earn APY Effective 12/01/2014 Share Savings $300 $400 Direct Share Draft Checking $.01 $400 Money Market $100 $400 Dollar Dog Savings $0 $400 Cha-Ching Savings $0 $400 Christmas Club Savings $5 $400 IRA Savings $100 $400 Members Choice Money Fund $0 $400 te: This tice of Change in Terms for Consumer and Business Accounts does not impact the minimum daily balance requirements to avoid monthly fees, if applicable. Business Accounts Business Account Type Current Min Bal to Earn APY Effective 12/01/2014 Share Savings $300 $400 Money Market $100 $400 Members Choice Money Fund $0 $ / tredamefcu.com 3

4 What Is A Dormant Membership? A dormant membership is when there is no transactional activity on a membership for the previous 12 months. If there are no transactions, there is a monthly fee of $5. How can you avoid the dormant fee? Easy! - Actively use your checking account get a VISA Debit Card with Zero Liability* and use it - Ocassionally make deposits to your account - Open a Share Certificate - Open a car loan, personal loan, student loan, mortgage of any type, or a credit card with tre Dame FCU As a shareholder of tre Dame FCU, your costs can continue to be kept low by maintaining an active membership whether it is by opening a Certificate or financing a new loan. Whether you re in the market for a new loan or looking to save for the future, become an active owner of tre Dame FCU and apply today. *If applicable, tre Dame FCU may remove fraudulent credit card transactions or extend provisional credit for losses from unauthorized card use. Zero liability covers U.S.-issued cards only. Does not apply to ATM transactions, certain commercial card transactions, PIN or other transactions not processed by Visa. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer. LIVE LIKE NO ONE ELSE, SO LATER ON YOU CAN LIVE LIKE NO ONE ELSE. - DAVE RAMSEY tre Dame Federal Credit Union is a proud sponsor of the Dave Ramsey Financial Peace University. We believe it s important to be prepared for your future by helping you reach financial empowerment. If you or someone you know can benefit from sound methods to help you reach financial peace, join us at one of our classes which will be starting soon. Courses will be offered in English and Spanish to help meet the needs of our members and community. Check out tredamefcu.com/daveramsey for more information. BONUS! If you are a tre Dame FCU member, we will reimburse you the cost of the kit once you graduate! You have nothing to lose and financial peace to gain. Holiday Closings tre Dame FCU will be closed on: Monday, October 13 - Columbus Day - closed Tuesday, vember 11 Veterans Day - closed Thursday, vember 27 Thanksgiving Day closed Wednesday, December 24 Christmas Eve closed at 1 p.m. Thursday, December 25 Christmas Day - closed Wednesday, December 31 New Year s Eve closed at 1 p.m. Thursday, January 1, 2015 New Year s Day closed 4 800/ tredamefcu.com

5 #WalkThisWay Each August when University of tre Dame, St. Mary s College and Holy Cross College students return to campus, it is always an exciting time! The tre Dame FCU branches are busy setting up new accounts and welcoming the students from across the country and around the world to tre Dame! This year we had a blast at our Student Hog Roast and had fun with our student Walk This Way promotion! We showed members and potential members the benefits a credit union offers and how to #WalkThisWay. HELP US BEAT USC! tre Dame FCU has challenged USC Credit Union for the 2nd annual $10,000 Charity Challenge to see which credit union can acquire the most auto loan applications! Both credit unions have contributed $5,000 towards the prize and the champion will receive $10,000 for the charity of their choice. If tre Dame FCU wins, the prize money will benefit the Kelly Cares Foundation. The four-week challenge takes place vember 3-29 leading up to the ND vs USC football game. Visit tredamefcu.com/beatusc in vember to fill out an online application and help us beat USC Credit Union! Don t have a Visa Platinum? Apply today at ndfcu.org/platinum Help make a difference. Apply between vember 3-29! 800/ tredamefcu.com 5

6 Reminder: Your Christmas Club funds will be transferred into your checking account on vember 1, If you do not have a checking account, the money will be deposited into your savings account. Instant Life Insurance Price Comparison Service Offered Instantaneous life insurance price quotes from leading life insurance companies enable maximum savings with freedom to buy from any company shown Continuing its commitment to providing financial tools to financially empower its members, tre Dame FCU has launched its new and instant life insurance price comparison service. Instant quotes for amounts of $5,000 to $25 million are now available at tredamefcu.com. "This new technology enhancement benefits our members, their families and our friends in the communities we serve, said Thomas J. Gryp, tre Dame FCU President/CEO. w, life insurance shoppers can view quotes anonymously, buy online in total privacy or can request personalized service from our licensed insurance professionals. Life insurance prices are now at, or close to, all-time lows. Gryp continued, tre Dame Federal Credit Union is fully committed to accommodate the life insurance needs of its members in order to offer them a pleasant, money-saving experience from top-rated life insurers. Features of the new tre Dame FCU life insurance price comparison service include: Anonymous quoting to enhance convenience Instant ability to view best quotes on the most popular rate guaranteed plans, including 10, 15, 20, 25, 30 years and level-for-life plans The new and popular living benefit life insurance plans that can payout early in the event of a chronic or critical illness Life insurance plans that offer guaranteed acceptability with no medical questions Actual acceptance guidelines, and height and weight tables prior to purchase -exam and instant-decision plans that bypass traditional underwriting hassles and delays e-signature technology to further reduce paper use and time delays Immediate, temporary life insurance whenever available Accurate quotes that can take into account up to 25 common illnesses Helpful advice and guidance from licensed life insurance agents by phone or in person whenever such personalized help is needed For more information, contact Cory Marlow at [email protected] or 574/ / tredamefcu.com Federally Insured by the NCUA. Independent of the University.

7 FACTS Why? What? Revised 9/17/2014 What does NOTRE DAME FEDERAL CREDIT UNION ("NDFCU") do with your personal information? 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. The types of personal information we collect and share depend on the product or service you have with us. This information can include: How? Social Security Number and income account balances and employment information credit history and transaction history 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 NDFCU chooses to share; and whether you can limit this sharing. Reasons we can share your personal information Does NDFCU share? Can you limit this sharing? For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus For our marketing purposes - to offer our products and services to you For joint marketing with other financial companies For our affiliates everyday business purposes - information about your transactions and experiences For our affiliates everyday business purposes - information about your creditworthiness For our affiliates to market to you For nonaffiliates to market to you To limit our sharing Call the number below to speak with a Member Service Agent or us at the address provided below. Questions? Please note: If you are a new member, we can begin sharing your information 1 day from the date we sent this notice. When you are no longer our member, we can continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. Call 800/ or us at [email protected]

8 Page 2 Who we are Who is providing this notice? What we do How does tre Dame Federal Credit Union protect my personal information? How does tre Dame Federal Credit Union collect my personal information? Why can't I limit all sharing? Definitions Affiliates naffiliates Joint marketing Other important information tre Dame Federal Credit Union 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 collect your personal information, for example, when you open an account or make a deposit show your driver's license or apply for a loan Use your credit card or debit card We also collect your personal information from others such as credit bureaus. Federal law gives you the right to limit only sharing for affiliates everyday business purposes information affiliates from using your information to market to you sharing for nonaffiliates to market to you. State laws and individual companies may give you additional rights to limit sharing. Companies related by common ownership or control. They can be financial and nonfinancial companies. NDFCU has affliliates. Companies not related by common ownership or control. They can be financial and nonfi nancial companies. naffliliates we share with can include companies engaged in direct marketing and the selling of consumer products and services. A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners can include other financial services companies. We recognize and respect the privacy expectations of our members. We restrict access to non-public, personallyidentifiable information about our members and former members to those employees with an authorized business reason for needing such information. We educate employees so they will understand the importance of confidentiality and member privacy. We also take the appropriate disciplinary measures to enforce employee privacy responsibilities. tre Dame Federal Credit Union insists that if personally identifiable member information is provided to a third party, the Credit Union will assure that similar privacy principles are provided for keeping such information confidential.