OUR PREFERRED CHECKING IS SO COOL!

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1 FRANKLIN TRUST FEDERAL CREDIT UNION SPRING/SUMMER 2011 Serving Our Member-Owners Since 1934 Win $50! SEE DETAILS INSIDE OUR PREFERRED CHECKING IS SO COOL! NO minimum balance. NO monthly service charge. NO per-check charges. No cost for online statements or online check images. Unlimited debit card use. We even pay for your check reorders! All this and more when you have Direct Deposit of your net check to FTFCU. Have your checking account elsewhere? Switch today and $ave! Franklin Trust FCU Annual Meeting Tuesday, June 14, 2011 Starting at 7:30 p.m. at Main Office: 632 Franklin Avenue, Hartford, CT Elections and Nominations Elections will be held at the Annual Meeting for the Board of Directors and reports will be presented on the status and progress of your Credit Union. Nominations for the Board of Directors can be made by resume or petition. Nominations by petition must be signed by at least 65 FTFCU members and must be accompanied by a resume from the nominee(s), along with a signed certificate from the nominee(s) stating agreement and willingness to serve if elected. Nominations by petition must be filed with the Board Secretary by May 5, The Secretary will post the names of all nominees in a conspicuous place in the Credit Union by May 10, All elections of Board members will be determined by plurality vote and will be by ballot, except where there is only one nominee for the position. No nominations can be accepted from the floor unless sufficient nominations have not been made by the Nominating Committee or by petition to provide for each position to be filled. Come join in the fun and participate in the affairs of your member-owned and member-directed Credit Union! Surcharge-Free ATMs: 30,000 Franklin Trust FCU is part of the CO-OP and SUM ATM networks, with over 30,000 surcharge-free ATMs nationwide! To find a surcharge-free ATM near you, just log on to or

2 Win $50! Like Franklin Trust Federal Credit Union on Facebook! Enter the drawing for $50! Visit and It s easy just Like us on click the link on our home page Facebook! One person will be to access our Facebook page. chosen at random on June 30, Or simply enter Franklin Trust 2011 from all eligible entries. Federal Credit Union on your The winner will be notified and Facebook page. Don t delay his/her name will be posted Like us today! on our Facebook page! Only Franklin Trust FCU members (excluding FTFCU employees) are eligible for the drawing. YOUTH ACCOUNTS: Good for Your Child s Future Introduce your children or grandchildren to the lifelong benefits of saving by opening an FTFCU account for them! The standard $10 membership fee is waived for youngsters The prize will be deposited into the winner s aged 18 years and under. Be sure to inquire about the special FTFCU share account. offers that are available for your child s age group. For details, call us at (860) , ext Sign up for FRED FRED (Franklin Remote Electronic Deposit) allows you convenient access to your Franklin Trust account via scanner from anywhere that you have internet access, to deposit checks, submit a loan payment and more! Save time, postage and gas costs. FRED is free for qualified members. For details, call us at (860) , ext Save up to 20% on the Cost of Your Electricity! Franklin from Discount Power will Trust Federal provide a link to confirm your Credit Union enrollment. Your request is then Save with Sprint! Both new and existing Sprint customers can save 10% off most regularly priced Sprint individual service plans! Enjoy other exclusive offers that only credit union members can wants you to pay a lot less for submitted to your utility electricity. In Connecticut, you provider to let them know you can now save up to 20% on the have switched your generation Three Ways to Get Your Discount: generation portion of your elec- provider. On the next meter read - Call 877.SAVE.4CU ( ) and let them know you re tric bill. Enrollment is FREE, date, the change will go into a credit union member. Ask to be a part of the NACUC_ZZM easy and there s NO CATCH! effect. You will see the savings Corporate ID to save Sign up by going to and click on the Discount Power button on our home page. All you need is a copy of your electric bill. Simply fill out the residential enrollment form and submit your application. An on your bill once you have gone through a full meter read cycle. Of course, you are welcome to bring your electric bill to any Franklin Trust office. We would be glad to answer any questions and help you sign up. Sign up today and start saving! receive, too! - Click - Visit your nearest Sprint store

3 Health Savings Account A Health Savings Account (HSA) affords you flexibility and control over your health care costs. Included among the many benefits of having an HSA is your ability to deduct your contributions, your earnings accumulating on a tax-deferred basis, and distributions being tax-free if they are used for qualified medical expenses. In addition, you can contribute at any time, with your balance rolling over from year to year. You can even take your account with you, if you change jobs. To learn about all the benefits of an HSA, stop by any FTFCU office or call us at (860) , ext Auto Loans as low as 3.25 % APR 1,2 SPECIAL REFINANCE OFFERS Refinance loans from another financial institution with us and receive cash: $300 PAID ON A HOME EQUITY LOAN ($50,000 or more) $200 PAID ON AN AUTO LOAN ($20,000 or more) $100 PAID ON AN AUTO LOAN ($10,000 or more) HOME EQUITY LOANS as low as 3.99 % Home Equity LINES OF CREDIT available, too! Call for details! Don t Get Ripped-Off! Say NO to payday lenders! If you need cash, see FTFCU! Better Rates + Better Service Better Deal! APR 1 VISA Card TRAVELING? Remember to let us know, so your Franklin Trust VISA credit/debit card won t be blocked. Then take your card with you and enjoy the convenience and your trip! Don t have one? Sign up today to receive our special introductory rate! Current Franklin Trust VISA Cardholders: Transfer $2,500 minimum from another lender to your FTFCU VISA account to receive our special rate! S P E C I A L V I S A INTRODUCTORY & BALANCE TRANSFER RATE: 4.75 % with payroll deduction; APR 1 2% higher without payroll deduction. Offer good for first 9 months! VISA CREDIT CARD RATE As 9.9 % Low (Contact us for details!) As APR 1 1 APR = Annual Percentage Rate. 2 Rate shown is for Club 75 Platinum level members; rate for other members will be higher. All rates are subject to change. Auto Loan and VISA rates are based on payments made through Payroll Deduction. Please call our Loan Dept. at (860) , ext. 107, 114, 203 or 204 for updates and information. Our Qwik Ca$h loan saves you money when compared to others Pay Day Loans! Need cash quickly? Get a Qwik Ca$h loan! Loans range from $200-$1,000, with terms up to six months. For details, please call our Loan Department at (860) ext. 107, 114, 203 or 204. OPEN YOUR VACATION CLUB ACCOUNT TODAY For convenience and less stress, start saving now for next year s vacation with a Vacation Club account. By signing up for payroll deduction, you can automatically set aside funds for your dream getaway. Hartford Public Schools teachers: Join our March Club for next year s school break. It works just like a Vacation Club!

4 Franklin Trust Receives Award Franklin Trust FCU recently received a Hartford Blooms Award, presented by the Knox Parks Foundation. The award recognizes and honors Hartford residents and businesses that have created outstanding landscaped properties and, in the process, contributed to the beautification of their neighborhoods and improved the quality of life in the City. Our offices on Franklin Avenue (pictured) and Asylum Street were cited for this honor. THANK YOU for Your Loyalty We appreciate the loyalty shown by all of our member-owners, and extend a special thank you to those who for whatever reason elected to file for bankruptcy in the past, yet still paid off their Franklin Trust loans. Your loyalty to your credit union family in these very challenging economic times is very much appreciated. Please know that we will be here for you in the future. Since 1934, Franklin Trust has been a stable, dependable and trustworthy financial institution. No member-owner has ever lost a penny of insured savings with us. You can count on us to be here for you and your family in the years ahead, providing world-class service for all your financial needs. FTFCU MEMBERSHIP IS A LIFETIME BENEFIT Always keep your Franklin Trust membership, even if you leave your job or relocate. You can readily access your accounts online via NetTeller (just log on to: and click on NetTeller ), by phone, fax, mail, and at over 4,200 credit union service centers nationwide (locate at: By retaining your membership, you ll be able to compare our products and services with others and select the best choice for you! Once a Member, Always a Member an important benefit of your membership in FTFCU! Sign Up for Convenience: NetTeller & Bill Payer NetTeller is our free online banking service. You can look up your balances, make transfers, print cleared check images - and much more - from anywhere online! Bill Payer saves you time and postage costs by allowing you to pay your bills online. You control the timing and amount of your payments. Bill Payer is free with Direct Deposit, otherwise there is a nominal monthly fee. For more information about these easy-to-use services, call us at (860) x 110. VISA Gift Cards VISA Gift Cards make terrific gifts and make gift-giving easy! Safe and convenient, they can be used wherever VISA is accepted. Cards cost from just $3.50, depending on your Club 75 level.

5 Club 75 In Club 75, you can earn up to.75% added to your new certificate rate and/or up to.75% deducted from your new loan rate (VISA, HELOC & Overdraft Protection excluded), plus enjoy free or discounted rates on many items, including safe deposit boxes, VISA gift cards, money orders, traveler s checks, and GAP Insurance. Club 75 points are awarded automatically according to the Franklin Trust products and services you use. Maximum benefits are attained when you reach 75 points, which is our Platinum level. Club 75 was introduced in 2009, in conjunction with our 75th Anniversary. For details or to check your Club 75 level, visit any of our offices or call us at (860) , ext Franklin Trust Federal Credit Union PRIVACY NOTICE Franklin Trust Federal Credit Union is owned by its members and run by a Board of Directors you elect. You can be confident that your financial privacy is a top priority of this credit union. We are required by law to give you this privacy notice to explain how we collect, use and safeguard your personal financial information. We are committed to providing you with competitive products and services to meet your financial needs, which necessitates that we share information about you to complete your transactions and to provide you with certain financial opportunities. In order to do so, we have entered into agreements with other companies that provide either services to us or additional financial products for you to consider. Under these arrangements, we may disclose all of the information we collect, as described below, to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements. To protect our members privacy we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell to other third parties the information we provide to them. INFORMATION WE COLLECT AND DISCLOSE ABOUT YOU We collect the following nonpublic information about you from a variety of sources and may disclose all the information we collect to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. From membership and loan applications and other forms, we obtain information such as name, address, social security number and income. From your transactions with us or other companies that work closely with us to provide you with financial products and services, we obtain information such as your account balances, payment history, parties to transactions, and credit card usage. From consumer reporting agencies, we obtain information such as your creditworthiness and credit history. From verifications of information you provide on applications and other forms, we obtain information from current or Share Your Thoughts with Us Have an idea that would improve our credit union? Please let us know. Simply use the Suggestion Boxes in any of our offices or your comments directly to our President, Kiernan J. Dubay, at [email protected]. past employers, other financial institutions and other sources listed on the application. We may also disclose information we collect about you under other circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, and follow your instructions as you authorize, or protect the security of our financial records. If you terminate your membership with Franklin Trust Federal Credit Union, we will not share information we have collected about you, except as permitted by law. HOW WE PROTECT YOUR INFORMATION We restrict access to nonpublic personal information about you to those employees who have a specific business purpose in utilizing your data. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your nonpublic personal information. Employee Spotlight Kabita Bhajan A native of Guyana, Kabita Bhajan came to the United States some nine years ago. Initially, she and her family were residents of Queens in The Big Apple, before settling in Connecticut in March, Just one month later, Kabita joined the staff at Franklin Trust. With prior experience in the financial services industry, Kabita began at FTFCU as a Member Service Representative. She later took on added responsibilities as a Member Service Supervisor, and has since been promoted to Loan Processor, working in both our West Hartford Office and Main Office. Away from work, the U.S. Citizen enjoys traveling throughout America, as well as to other countries. She likes to spend time in the kitchen, too, cooking a variety of different foods. Fate brought Kabita and her husband, Sunil, together. We were classmates back in Guyana, and had not seen each other in 12 years, she explains. We happened to meet when he was visiting Guyana, while I was still living there. And he happened to live in Queens, where I had family. After a two-year courtship, the couple married and now have two handsome sons: Jonathan (3 years old) and Nicholas (1 year, seven months). We re glad that Fate brought Kabita to Franklin Trust, too.

6 Franklin Trust Federal Credit Union Main Office 632 Franklin Avenue Hartford, CT Serving Our Member-Owners Since 1934 Earn $300 CASH OR MORE! REFINANCE WITH US! (Details inside!) Also visit us at West Hartford Office 927 Farmington Avenue (near Blue Back Square) Downtown Hartford Office 277 Asylum Street (at High School, Inc.) Like us on facebook! Upcoming Holiday Schedule Member Services GOOD FRIDAY & EASTER HOLIDAY Closed Friday, April 22 through Sunday, April 24 MEMORIAL DAY Closed Monday, May 30 INDEPENDENCE DAY Closed Monday, July 4 LABOR DAY Closed Monday, September 5 COLUMBUS DAY Closed Monday, October 10 VETERAN S DAY Closed Friday, November 11 SAVINGS Share Savings Accounts Checking Accounts Gold Star Money Market Accounts Term Share Certificates Individual Retirement Accounts (IRAs) Christmas/Holiday Club Accounts Vacation Club Accounts Health Savings Accounts Coverdell Education Savings Accounts Youth Accounts March Club Summer FUNd Club VISA Club Accounts LOANS Home Equity Home Equity Line of Credit Mortgages Automobile Personal Lifestyle Heating Helper Qwik Cash Overdraft Protection Quinceanera ADDITIONAL SERVICES Direct Deposit of Net Check Payroll Deduction NetTeller Internet Banking Shared Service Centers FRED Franklin Remote Electronic Deposit On-Line Bill Payer VISA Classic, Gold & Platinum VISA Debit Card VISA Gift Card E-Statements Audio Response Check Images Online Safe Deposit Boxes Drive-Up Windows Electronic Rates Boards Kiosks Identity Theft Protection Night Deposit Boxes Accident and Health Insurance Life Insurance on Loans Long-Term Care Insurance Temporary Disability Insurance Traveler s Checks Financial Counseling Free Notary Service to Members Contact Us MAIN OFFICE 632 Franklin Avenue, Hartford, CT Mon., Tues., Fri.: 7:00 a.m. - 4:30 p.m. Wed.: 10:00 a.m. - 1:00 p.m. Thursday: 7:00 a.m. - 7:00 p.m. Saturday: 9:00 a.m. - 12:00 noon Sunday: 1:00 p.m. - 4:00 p.m. NO SUNDAY HOURS Memorial Day through Labor Day WEST HARTFORD OFFICE 927 Farmington Avenue, West Hartford, CT Mon., Tues., Thurs., Fri.: 9:00 a.m. - 4:30 p.m. Wed.: 10:00 a.m. - 1:00 p.m. DOWNTOWN HARTFORD OFFICE 277 Asylum Street, Hartford, CT Mon. & Wed.: 10 a.m. - 1 p.m. Fri.: 10 a.m. - 3 p.m. Phone: (860) Fax: (860) The following branches are active when school is in session (for students, staff & employees only): BULKELEY HIGH SCHOOL BRANCH 300 Wethersfield Avenue, Hartford, CT Tues. & Thurs.: 9:00 a.m. - 12:00 p.m. HARTFORD PUBLIC HIGH SCHOOL BRANCH 55 Forest Street, Hartford, CT Tues. & Thurs.: 1:00 p.m. - 4:00 p.m. General Information: (860) Loan Dept. Extensions: 107, 114, 203 & 204 Audio Response Extension: 1 Toll-Free: (866) Fax: (860) [email protected] Website: Facebook: Franklin Trust Federal Credit Union MySpace: Shared Service Centers Locator: Surcharge-Free ATM Locations: