USSFCU Product Guide 2014

3 Index Auto Loans... 10-13 Auto Resource Center... 12-13 Checking... 4-5 Credit Cards... 16-17 Education... 32-33 Gift Cards... 37 Home Loans... 20-25 Investments... 7-9 Lines of Credit... 18-19 Member Discounts... 34-35 Mortgages... 24-25 Online Banking...26-29 Personal Loans... 14-15 Prepaid Cards... 36-37 Protection and Security... 38-39 Savings... 6-9 Services... 30-31 Tools... 33

4 Checking

5 Checking Senate Checking Senate Checking is convenient and free with unlimited check writing! You can open an account with any amount of money and there are no minimum balance requirements or monthly service fees. Make deposits to your Senate Checking in person, through the mail, direct from a payment source (i.e., Payroll, Social Security, etc.), deposit electronically using Remote Deposit Anywhere, or via bank to bank transfer from other financial institutions. Gold Source Checking Gold Source premium checking allows you to earn competitive dividends on every dollar in your account and enjoy unlimited ATM usage. To open a Gold Source Checking account a $2,000 minimum deposit is required, and you need to have $2,000 as your average daily balance to avoid minimum balance fees. Senate Check Card The Senate VISA Check Card gives you convenient worldwide real-time access to your accounts, 24 hours a day. It can be used to pay for dinner, groceries, gas, toys, clothing, and much more! It can be used anywhere you see the VISA symbol or at any ATM that is in our shared network. Smart Rewards The Smart Rewards Program is an automatic benefit of the Senate Checking Account Debit Card (also known as Check Card ). You ll earn 1 point for every four dollar purchase when you choose credit instead of debit and sign the receipt when making your debit card purchases. Your rewards add up and you re able to choose from a wide variety of rewards such as travel, gifts, and cash. Member Privilege Member Privilege is an overdraft* protection limit with easy, flexible terms that is assigned to a checking account. There is no application or underwriting required and it is available to most members. Members may sign a waiver opting not to participate, however, it provides a member with financial flexibility in times when there may not be sufficient funds in their account. For more details refer to www.ussfcu.org/memberprivilege. * We will not authorize and pay overdrafts on ATM and everyday debit card transactions without account holder consent. An overdraft (OD) fee or insufficient funds (NSF) fee of $28.00 will be charged for covering overdrafts that result in a negative balance. Overdrafts may be created by check, ACH, online banking transaction, phone transactions or other electronic means. Recurring debit card transactions (payments that are set up to bill and pay automatically, such as an automatic draft from your health club or insurance company), may continue to be covered by your overdraft service. Once an overdraft has occurred you are required to bring your account to a positive balance within 30 days. We reserve the right not to pay if your account is not in good standing.

6 Savings

7 Savings Primary Share Your USSFCU primary Savings establishes you as a member and gives you a share of ownership. Your account accrues dividends in exchange for use of the money on deposit. All members must keep a primary Savings with the Credit Union and a minimum $5 deposit. Holiday Savings A share account which allows for accumulation of funds through November 1 of each year, when funds and earnings are automatically transferred to a member s Primary Savings Account or other account specified by the member. Youth Savings A share account for minor children ages 0-16. It may be established or converted from another share account as a joint account with an adult, or as a custodial account. Youth Savings qualifies as establishing membership in lieu of a Primary Savings share. Money Market Account Save and earn a higher dividend rate than a traditional Savings account. A USSFCU Money Market accrues dividends in exchange for use of the money on deposit, with tiered rates for graduated balance levels. Dividends are calculated daily and credited monthly; there is no monthly fee; an ATM card is available; and it is NCUA insured to the maximum amount allowed by law. A $2,000 balance is required to earn dividends. Senate Smart Certificates A savings vehicle in which an individual promises to deposit money for a set period of time, for which the Credit Union pays a higher dividend than a regular savings account. Start with a minimum $1,000 and choose from a range of terms to meet your goals. The rate is fixed over the term of the Certificate and additional deposits are allowed at maturity. Competitive dividends are compounded daily to help your investment grow. IRA Smart Certificates An IRA Smart Certificate works just like a regular Senate Smart Certificate with the tax-deferred benefits of an Individual Retirement Account (IRA). Dividends are paid monthly, calculated daily. Tiered rates offer you a higher rate the higher your balance. Minimum opening deposit is $1,000. Choose your term, 3-60 months available, or anywhere in between. Dividends earned are tax-deferred. Contributions may be tax deductible*. * Please consult with your tax advisor to see if your contributions are deductible. Early withdrawal penalties may apply. IRA Smart Certificates are governed by IRS rules and regulations for contributions and early withdrawal. An annual maintenance fee may apply. Fees may reduce earnings. See www.ussfcu.org/fees for details.

8 Traditional IRA Savings Account Supplement your 401K and/or TSP. You can defer taxes on your earnings potentially accumulating more for retirement. There are no minimum balances required to open an IRA Savings, however you must have earned income to qualify. This savings account, authorized by the Federal Government, allows individuals to accumulate funds for qualified reasons such as retirement, a first-time home purchase or education expenses where contributions may be tax deductible. Distributions of principal and earnings are fully taxable*. Roth IRA Some experts say that the Roth IRA may be a better choice for most individuals because it offers potentially greater tax breaks* and more flexibility in terms of funding and withdrawing funds. There are no mandatory withdrawals and you can keep contributing to it. Qualified withdrawals are not reportable as income so they won t affect your adjusted gross income during retirement. The Roth IRA does have one potential downside: You pay taxes while working rather than when retired, when your tax rate is likely to be lower; so the Roth IRA lacks one of the advantages of the traditional IRA. There are also income restrictions on who can contribute to a Roth IRA.* Deposit Insurance The National Credit Union Administration, commonly referred to as NCUA, is a US government agency that charters and regulates federal credit unions. NCUA operates and manages the National Credit Union Share Insurance Fund (NCUSIF). Backed by the full faith and credit of the U.S. government, NCUSIF insures the accounts of millions of account holders in all federal credit unions and the vast majority of state-chartered credit unions. Your savings at USSFCU are federally insured to at least $250,000 and backed by the full faith of the United States Government. For more details, refer to www.ussfcu.org/ncua. Investment Options John Moran, Financial Consultant, is available at USSFCU to recommend a mix of quality investment options, including Mutual Funds, IRAs, Fixed and Variable Annuities, College Funding, Retirement Preparation and Wealth Transfer Options**. John can also offer long-term care and life insurance to protect you and your loved ones. You can schedule a no cost, no obligation appointment with John at your convenience. He is skilled at tailoring recommendations to meet your risk tolerance and investment goals throughout your different life stages. For additional information, please refer to www.ussfcufn.org. * Please consult your tax advisor who can evaluate your individual situation with regards to IRAs. ** Securities offered through Securities America, Inc., a Registered Broker/Dealer, Member FINRA/SIPC, and Financial Planning and Advisory Services offered through Securities America Advisors, Inc., an SEC Registered Investment Advisory Firm, John Moran, Representative. United States Senate Federal Credit Union and the Securities America companies are separate entities. Not NCUA Insured. No Credit Union Guarantee. May Lose Value. Securities licensed in: CA, DC, FL, MD, NC, NJ, NY, PA, VA.

10 Auto Loan

11 Auto Loans Auto Draft Use your AutoDraft just as you would a personal check to purchase your car. With an AutoDraft, there are no hidden fees, so you know exactly what your loan costs. With a USSFCU AutoDraft, there is no need to discuss financing through the dealership. Your AutoDraft gives you the bargaining advantages of a cash buyer, so you can keep the conversation on the true invoice price and negotiate the best deal. New Auto Remarkably low fixed rates with terms of up to 7 years (84 months) to purchase a new passenger vehicle. Consult the USSFCU Auto Buying Resource at www.ussfcu.org/carbuying for assistance with making your auto selection. Used Auto Low fixed rates with terms up to 5 years (60 months). USSFCU s Auto Buying Resource located at www.ussfcu.org/carbuying can assist with making your used auto selection. Recreation Vehicle Loan A fixed rate closed-end loan to purchase or refinance a new or used vehicle primarily used for pleasure or recreation. Borrowers may finance a motorcycle, watercraft (i.e., boat or jetski), or recreational vehicle (i.e., snowmobile, all terrain vehicle, motor home, golf cart or similar vehicles). Auto Resource Center Auto buying made easy. More details available on pages 12-13 and at www.ussfcu.org/carbuying.

12 Auto Resource Center

13 Auto Resource Center Simplify your car buying experience with our Auto Resource Center. Our car buying services, great financing options, and low interest rates make it easy and affordable for you to drive away in your new ride today! Refer to www.ussfcu.org/carbuying for details. United Buying Service (UBS) If you hate negotiating over the price of your new or used car, this service is for you. UBS has already done the legwork by establishing relationships with many car dealerships in Maryland, Virginia and the District of Columbia. UBS offers low guaranteed pre-negotiated prices, discounted option pricing and extra savings with rebates and incentives. Motor Vehicle Certification Program MVCP is a FREE service that offers you pre-arranged pricing with select auto dealers across the Mid- Atlantic region, up-to-date rebates and incentives, dealer invoice disclosed, dealer profit disclosed, estimated trade-in value provided and complete follow-up assistance. Enterprise Used Car Sales If you want haggle-free buying and worry-free ownership of your next used car, consider Enterprise with its selection of over 40 different makes and models, low, fixed prices no negotiating is necessary, 7-day/1,000 mile repurchase policy and more than 160 used car dealers. CARSFORMEMBERS.COM If you re looking for worry-free shopping that is exclusive to credit union members, carsformembers.com is the service for you. This convenient Web-based car buying service provides you with the tools to make car shopping easy. You can build your dream car online, research options, and compare features. There is guaranteed pricing, Carfax Vehicle reports and payment calculators. Personal Shopper can locate your vehicle, negotiate your price, set-up the appointment and even schedule your test drive! Credit Union Member Discount from GM Turn your credit union membership into great savings on a new vehicle. Save hundreds, even thousands, with GMs preferred pricing and the most current incentives on new Chevrolet, Buick or GMC vehicle of your choice. Register for the Credit Union Member Discount from GM and you can receive preferred pricing, which is a special discounted price below MSRP. Apply for a low rate vehicle loan with USSFCU and save even more!

14 Personal Loans

15 Personal Loans Personal Loan The USSFCU Personal Loan is a great way to borrow for any worthwhile purpose or to consolidate existing debt into one, low monthly payment. This is a fixed rate, fixed term, closed-end product with a 1 time draw, that allows the borrower to use the proceeds for non-businessl use. May also be used when collateral does not qualify for other loan types. Share Secured Loan Secure your loan with your Credit Union Smart Certificate funds and get the lowest borrowing rate available and the most convenient terms. Only pay two percentage points over the yield of the account securing the funds with terms up to 60 months. A fixed rate closed-end loan that allows borrowers to use funds in a share certificate without paying an early withdrawal penalty. Skip-A-Pay Skip-A-Pay allows a member to skip a single loan payment on a pre-existing loan and catch up on more pressing bills. Sometimes that little break is all that you need to recover from that emergency car repair or spending that went a little over budget. Skip-A-Pay is also available for auto loans and VISA.

16 Credit Cards

17 Credit Cards VISA Smart Rate A Senate VISA card for the rate conscious. Simple. Straightforward. Smart. Enjoy a low variable rate with no annual fee, no balance transfer fees and no cash advance fees. VISA Smart Rewards The Senate VISA Smart Rewards card offers a low, variable rate with no annual fee plus for every dollar the you spend you earn one Smart Rewards point to use toward hundreds of name-brand gifts, travel anywhere in the world, or cash. Senate VISA Smart Rewards Program The Smart Rewards Program rewards members for purchases they make with their Senate VISA Smart Rewards card. Earn Rewards for every purchase and use them towards gifts, travel, or cash. Credit Awareness Resource & Educational Service USSFCU C.A.R.E.S. offers articles and guidance on issues affecting your credit rating, improving your credit score and what it all means to your financial fitness! Refer to it often as content changes at www.ussfcu.org/education. Senate VISA Benefits Track and manage your credit card transactions 24/7 through CU AnyHour+. Have peace of mind knowing that with your Senate VISA you are prepared for unexpected expenses, you have 24 hour emergency card replacement assistance, auto rental collision coverage, worldwide acceptance, as well as no over-the-limit fees, no rate change if you miss a payment and no rate increase on cash advances. Verified By VISA United States Senate Federal Credit Union s Verified by Visa is the easy way to enjoy added security for all your online Visa card purchases. United States Senate Federal Credit Union and Visa are pleased to offer you this great service at no additional charge. Learn more at www.ussfcu.org/creditcard.

18 Lines of Credit

19 Lines of Credit EasyLine USSFCU offers an overdraft line of credit up $1000* to help protect your checking account from being overdrawn. EasyLine can also be a simple way to access a little extra cash for unexpected expenses and to build credit. SenateLine This variable rate line of credit is similar to our EasyLine and is available for up to $5,000*. As overdraft protection it can be linked to one or more checking accounts under your name. It works like a personal loan whenever you need extra cash including overdrawing your checking account. You can transfer funds online or by contacting us. PremierLine Your good credit provides a simple way to finance important purchases for your family or household needs or just because. Minimum line of $5,000 and up to $50,000* it s a loan-on-demand. Use for vacations, home improvements and other large purchases or simply be prepared for unplanned expenses. Provides accessibility and flexibility of cash when and for whatever you need. * Must meet certain qualifications. Subject to Credit Approval. Equal Credit Opportunity Lender. Variable interest rate is subject to change quarterly. The rate is determined by adding 7.0% (the margin ) to the highest Prime Rate as published in Money Rates Section of The Wall Street Journal in effect on the last day of each calendar quarter (the index ).

20 Home Loans

21 Home Loans Homeowner Loan Designed for the member with a large need and little or no equity, this USSFCU exclusive allows you to borrow as little as $7,500 or as much as $30,000.* No appraisal is required and the interest you pay may be tax deductible**. Homeowner Loan Specific Payment Example Monthly payments on a 5-year $10,000 Homeowner Loan based on an interest rate of 7.50% APR would be $118.73. Fixed Rate Home Equity Loan For that one time major purchase or expense. A closed-end, fixed rate loan secured by the equity in the borrower s principal residence***. Home Equity Loan Specific Payment Examples Monthly payments on a 5-year $100,000 Home Equity Loan based on an interest rate of 4.88% APR would be $1881.63. Monthly payments on a 10-year $100,000 Home Equity Loan based on an interest rate of 5.13% APR would be $1067.02. Monthly payments on a 15-year $100,000 Home Equity Loan based on an interest rate of 5.38% APR would be $810.73. Classic Line Home Equity Line of Credit (HELOC) Provides funds^ for any purpose, at any time, from a variable rate line of credit account based on and secured by the equity of the borrower s primary residence or vacation home. Equity is the difference between the value of the property and the mortgage balances outstanding.**** Smart Line Home Equity Line of Credit Provides substantial advance funds for any purpose, at any time from a revolving line of credit account. This is a revolving line of credit secured by the equity in your principal residence that offers the flexibility of a low, interest only payment. Use as much or as little as you need to meet your future expenses.**** Equal Housing Lender. * Home loans requires a minimum age of 18, a USSFCU Primary Savings account in good standing, primary home ownership and credit review and approval (measuring debt level and repayment record, job and credit history, assets, liabilities and reserves). 1st or 2nd lien position only. ** Please consult your tax advisor who can evaluate your individual situation with regards to deductions. *** Credit limited to the percentage of available equity on primary residence. Equity is the difference between the value of the property and the mortgage balance outstanding. ^ Minimum Home Equity Line of Credit is $5,000, Maximum $750,000.

22 **** MINIMUM PAYMENT REQUIREMENTS: You can obtain credit advances for 120 months (the draw period). During the draw period, payments will be due on a monthly basis. Your minimum monthly payment will be established at an amount equal to 1.50% of your unpaid account balance at the end of the billing cycle, subject to a minimum of $75. After the draw period ends, you will no longer be able to obtain credit advances and you must repay the outstanding account balance (the repayment period). The length of the repayment period will depend on your outstanding account balance at the beginning of the repayment period but in no event exceed 120 months. During the repayment period, minimum payments will be due monthly. The minimum monthly payment will be established at the beginning of the repayment period or change in interest rate in an amount necessary to fully amortize your outstanding balance over 120 months from end of the draw period. MINIMUM PAYMENT EXAMPLE: If you made only the minimum monthly payment and took no other credit advances it would take 151 months to pay off a credit advance of $10,000 at an ANNUAL PERCENTAGE RATE of 4.00%. During that period, you would make 150 monthly payments varying between $150 and $75 with a final payment of $19.54. FEES AND CHARGES: To open or maintain a home equity line of credit, you must pay certain fees to third parties. These fees generally range from $500.00 to $1,300.00. If you ask, we will give you an itemization of the fees you will have to pay to third parties. LATE PAYMENT FEE: If your payment is more than 10 days late, you will be charged 5.00% of the payment due. PROPERTY INSURANCE: You must carry insurance on the property that secures this plan. MINIMUM LINE OF CREDIT: The minimum Home Equity Line of Credit is $5,000.00. TAX DEDUCTIBILITY: You should consult a tax advisor regarding the deductibility of interest and charges for the plan. Variable interest rate subject to change quarterly. Rate equal to the WSJ Prime Rate in effect on the last day of each calendar quarter subject to a floor of 4.00%.

24 Mortgages

25 Mortgages Maybe you ve outgrown the home that you re living in. Perhaps you re in a better financial position than you were when you bought your last house. Maybe you re moving to a new town with a new job. While it really doesn t matter why you need a new house, it does matter how you go about purchasing it. You may wish to explore the advantages of getting your home financed with your Credit Union. Credit Union Mortgage Association (CUMA) is a full service mortgage company that offers a wide variety of variable and fixed rate mortgage products to USSFCU credit union members. CUMA can assist members with purchase or refinance requests, for primary or secondary homes, variable or fixed rate financing, and special programs such as interest only or 100% financing. Experience reduced paperwork and hassle free online mortgage applications and personalized service from experienced lending professionals. Personalized Service Highly trained personnel provide you with reliable and efficient service. CUMA Loan officers work with you to find the loan program best suited to your needs. Credit Union Mortgage offers credit union members: Lowest lender fees A wide selection of loan products Competitive rates Convenience Unparalled member service Home buying seminars Find out more about financing a new home or refinancing your current mortgage at www.ussfcu.org/mortgage. Equal Housing Lender.

26 Online Banking

27 Online Banking CU AnyHour+ Fully integrated online banking service allows members of the United States Senate Federal Credit Union to securely manage their USSFCU accounts; pay bills, view statements, transfer funds, monitor account activity, download account information, make deposits remotely, and more. Bill Pay Bill Pay provides the highest level of security, the ability to pay all of your bills from one Web site, Member Support until 2 a.m., and 18 months of payment history storage online. Best of all, it s free with estatements and your payments are 100% protected against late fees and unauthorized transactions. Schedule payments on a one-time or recurring basis and up to one year in advance. Set up all your payees to make one-click payments every time you pay. Remote Deposit Anywhere (RDA) Remote Deposit Anywhere (RDA) offers the convenience of easily depositing checks into USSFCU savings or checking accounts anytime from anywhere. You can scan an image of a check, send the image to the credit union, and see the funds quickly added to your account. Personal Financial Management My Finance This optional service available through CU AnyHour+ online banking gives members the opportunity to aggregate account information from multiple institutions, manage and maintain their finances in one location, gain insight into spending habits, and a budget wizard helps with planning. Please consult our fee schedule at www.ussfcu.org/fees for the most current fees associated with this optional service. USSFCU Mobile This cutting edge mobile banking solution allows members to view balances and transaction history, transfer funds between USSFCU accounts, conduct bank to bank and person to person transfers, set up payments, and pay bills. This can be done from any mobile phone or device that supports WAP browsers, regardless of make, model, or mobile service carrier. Bank to Bank Transfers CU AnyHour+ Bank to Bank Transfers allows you to move money between your USSFCU accounts and those you have at other financial institutions, including banks, credit unions, investment companies, or any financial service provider that accepts ACH.

28 estatements estatements is a FREE service that allows you to see account statements online. Estatements provides you a quick, easy way to view, save or print your statements. Email notification informs you when your statement is ready. Access your online statement as well as 15 months of statement history, anytime, from anywhere. TeleAction USSFCU TeleAction is a 24-hour automated telephone service, providing personal and confidential account information, and the ability to perform many general account/loan transactions.

30 Services

31 Services Direct Deposit Electronically deposit funds into your account and save time. Direct Deposit is the automatic deposit of any recurring check such as Government or private-industry paychecks, Social Security or retirement checks, and monthly or quarterly dividend and insurance checks made directly to a member s credit union account. Payroll Deduction Take the stress out of making regular payments. Have them withdrawn from your paycheck. Fast. Secure. Convenient. Reorder Checks 24/7 Save time and reorder your checks through Deluxe.com or CU AnyHour+. ( Order Checks from the homescreen.) Tax Services/Turbo Tax As a USSFCU member you can file your simple return FREE with TurboTax Federal Free Edition and get your biggest tax refund possible in as few as 8 days when you e-file and use direct deposit. Access to Cash In addition to accessing cash surcharge-free from ATMs, you have the ability to access cash at point of sale from participating merchants with your Senate Visa Debit Card. A list of participating merchants can be found at www.ussfcu.org/accesscash. Foreign Currency Fast. Secure. Convenient method of purchasing foreign currency from 100+ countries without the exorbitant fees found in airports, hotels and currency exchange outlets. Member Privilege Member Privilege provides you with financial flexibility in times when you may not have sufficient funds in your account. The purpose of this privilege is to save you from the embarrassment, additional merchant fees or other problems that might result if a check is returned. It is a valuable safety net in case of an emergency. See www.ussfcu.org/memberprivilege for details. Service Locator Shared networks allow members nationwide access to their accounts and the ability to transact throughout the DC metropolitan area and across the country via USSFCU and non-ussfcu ATMs and branches. A current listing of Branches, Shared Branches and ATMs locally and nationwide can be found at www.ussfcu.org/locator.

32 Tools and Education

33 Tools Member Eligibility Test Eligibility to join the United States Senate Federal Credit Union (USSFCU) is generally based on employment or, in some cases, affiliation with one of our Select Employee Groups. Employees/Affiliates of Select Employee Groups not all of which are Senate-related as well as their immediate family and others in their households, may become members of United States Senate FCU. Non-members can find out if they and/or their family are eligible to join USSFCU with our online eligibility test available at www.ussfcu.org/membership. Select Employee Groups (SEG) Test Business owners/principals can determine if their organization or association is eligible to join the Credit Union s field of membership and extend benefits to their employees. The Select Employee Groups Test is located at www.ussfcu.org/seg or contact our Relationship Manager at BusDev@ussfcu.org. Service Locator Access service and location information, including maps and driving directions, to approximately 5,000 Shared Branches nationally (including over 2,000 7-Eleven Vcom Kiosks), 50,000 ATMs and USSFCU branches. Calculators USSFCU provides online calculators to make it easy to determine your financial responsibilities or goals in the following areas: auto, investments/retirement, mortgage, loans and savings. Refer to www.ussfcu.org/calculators for details. Online Banking Please refer to pages 26-29 or www.ussfcu.org/cuanyhour for additional information regarding 24/7 online banking. Education Financial Education Center Publications, videos, seminars and more available online and organized for all ages and life stages. Available at www.ussfcu.org/education. Financial Fitness Program - BALANCE Financial education and counseling service dedicated to helping you achieve your goals. Balance offers unbiased, general advice as well as in-depth financial counseling. For more information refer to www.ussfcu.org/balance.

34 Member Discounts

35 Member Discounts Sprint Sprint s Credit Union Member Discount makes now the best time for credit union members to save money on wireless services. Sprint has phones, PDAs, push to talk, data service plans, music downloads, TVs and more! Benefits include a 10% discount on select regularly priced Sprint monthly service plans, a waived activation fee on new lines, a waived upgrade fee, and unlimited data plans. Buy online and receive additional savings. More details are available in the Explore Exclusive Discounts section of www.lovemycreditunion.org. GM All current and eligible credit union members can receive preferred pricing when they purchase an eligible new GM vehicle. This is in addition to most current incentives and special offers! Learn how at www.lovemycreditunion.org by clicking on Explore Exclusive Discounts. Get Paid to Shop Shop America is a fun and easy way to earn cash back when you shop online at your favorite stores. Credit union members receive cash back for every purchase at over 1,200 online retailers in the Shop American online mall. And, every time you earn $10 or more in cash back from your purchases, you ll receive a check with the cash back you earned! So whether you re looking to do your online shopping with Target, Macy s, Best Buy, FTD, Apple or hundreds of other stores, you get cash back for every purchase. Be sure to use your Senate VISA Smart Rewards card or VISA debit card and earn additional incentives. Dell Advantage Loyalty Program Credit union members can join the Dell Advantage Loyalty Program for free, earn rewards and get free 2nd business day shipping on all purchases. Dell Advantage members have access to the following savings options: 5% back on a Dell Promo egift card for each qualifying purchase using the Advantage Membership Free 2nd day business shipping on all purchases Exclusive monthly emails featuring special offers on PCs, electronics and accessories Exclusive offers from Dell partners And More... Additional discounts on items you may already use are available at www.lovemycreditunion.org.

36 Prepaid Cards

37 Prepaid Cards Reloadable Card The USSFCU Visa Reloadable Card is a smart and cost-effective alternative to carrying cash. Because it is a pre-funded card, you only spend what money you load on it and you can get it without a credit check. The card holder has the freedom to shop in store, online or by phone, and can even get cash at ATMs. Track spending and check the balance online. Travel Card The USSFCU VISA Travel Card offers an attractive alternative to traveler s checks. You can enjoy the convenience of an unlimited number of reloads and load value up to $3,000. The card is accepted internationally and you can purchase a companion card on the same account. Enjoy the convenience and flexibility that comes with a card offering worldwide acceptance. Youth Card The USSFCU Youth Card is prepaid so they can t spend more than you have on the card, and unlike a debit card, there s no risk of overdraft fees. You can set up alerts to be sent to yourself and/or the young card holder and view transactions online to manage spending. Gift Cards Single and Large Order Gift Cards VISA Gift cards are loaded with a set amount and can be used for multiple purchases for as long as value remains on the card. The Visa Gift card is a non-reloadable prepaid card, meaning the initial value is set by the person who purchased the card. Additional funds cannot be added later. Buy one for that special someone or place a large order for your office, family, club or team.

38 Protection and Security

39 Protection and Security SMS Guardian SMS Guardian is a text alert fraud prevention program. Sign up for this service and you ll receive text messages regarding potentially fraudulent activity on your credit and debit cards. If a transaction to which you are alerted is fraudulent, you can reply immediately and block activity on your card. No action is needed if the transaction is legitimate. Refer to www.ussfcu.org/services/sms for more details. No Cost Accident Protection As a Credit Union member, age 18 to 74, you are eligible for $1,000 of Basic Accidental Death & Dismemberment Insurance (AD&D) at no cost to you. This plan offers 24-hour protection against a covered accident anywhere in the world, on or off the job, on vacation or at home. You can elect for additional coverage through this program at your own expense. Find out more at www.ussfcu.org/services. Identity Theft Protection Deluxe Provent, is an integrated suite of identity theft protection services that provides identity theft protection on all fronts, including: Prevention, Detection and Restoration. Visit www.ussfcu.org/identityprotection to explore various options. Verified By VISA Get the assurance that only you can use your card to shop online. This free service for USSFCU members is a simple, password protected identity-checking service that takes the risk out of online shopping with your VISA card. It s just another way to enjoy added security for all your online VISA card purchases. More details available at www.ussfcu.org/creditcard. Deposit Insurance The National Credit Union Administration, commonly referred to as NCUA, is a US government agency that charters and regulates federal credit unions. NCUA operates and manages the National Credit Union Share Insurance Fund (NCUSIF). Backed by the full faith and credit of the U.S. government, NCUSIF insures the accounts of millions of account holders in all federal credit unions and the vast majority of state-chartered credit unions. Your savings at USSFCU are federally insured to at least $250,000 and backed by the full faith of the United States Government. Find out more at www.ussfcu.org/ncua.

UNITED STATES SENATE FEDERAL CREDIT UNION National Capitol Station P.O. Box 77920 Washington, DC 20013 202.224.2967 800.374.2758 www.ussfcu.org Branch Offices Senate Hart Branch Senate Hart Building, Room SH 118 Washington, DC 20510 202.224.2967 GAO Branch 441 G Street, NW, Room 1100 Washington, DC 20548 202.289.1771 Eisenhower Branch 2111 Eisenhower Avenue Alexandria, VA 22314 703.329.4901 2014. United States Senate Federal Credit Union. All rights reserved. January 2014 Federally Insured by NCUA