DividendF E B R U A R Y 2 0 1 9

The

Member banking is better banking®

As a TruMark Financial 76ers credit cardholder, enjoy access to experiences, giveaways, merchandise, and more. Plus:

• Low introductory rate of 0.76% APR* for the first six months

• Rates after the introductory period starting as low as 11.24% APR*

• No annual fee, cash advance fees, nor balance transfer fees

• Earn one point for every dollar spent – points can be redeemed for cash,

merchandise, gift cards, and more

• Payments via Apply Pay®, Google Pay, and Samsung Pay®

• And more

Learn more and apply todayVisit trumarkonline.org/76ers

Make this year the year to get out of debt, take a dream vacation, or upgrade your home. With TruMark Financial’s HELoC Select, choose what you want to borrow and how to pay it back. A HELoC Select starts as a line of credit and then allows you to switch all or part of the balance to a fixed rate at any time, giving you a manageable payment. Additional benefits include:

• Access to money as needed or use it all at once

• Borrow up to 90% of your home’s value

• Visa Equity Access Card for fast access to funds

• Write checks directly from your home equity line of credit

• Receive 20 free checks with the ability to reorder more

• Pay off the line early without penalty

• No inactivity fee and no annual fee

Apply todayCall 1-877-TRUMARK or visit trumarkonline.org

Use your TruMark Financial® Credit Union Visa® debit card through March 31, 2019, and be automatically entered for a chance to win one of three $500 Amazon gift cards.* Shop popular brands to upgrade your home with a video doorbell, a touchscreen door lock, remote security cameras, or a smart thermostat. The more you use your card, the more chances you have to win!

Learn moreVisit trumarkonline.org/win

When you file your taxes, be sure to have your refund deposited directly into your TruMark Financial account for a chance to have it doubled, up to $5,000.* Simply select “checking” or “savings” and enter the credit union’s ABA transit/ routing number (236084243) and your account number into the refund section of forms 1040, 1040A, or 1040EZ.

Enter to winHave your tax refund deposited into your TruMark Financial account and you could be the lucky winner

Get the only 76ers credit card from the official credit union of the Philadelphia 76ers

The funds you need with affordable payments

*APR = Annual Percentage Rate. Rates vary depending upon credit score. Minimum APR is 11.24%, maximum APR is 18%. Introductory rate will be in effect for six (6) billing cycles from credit line open date. Introductory rate not applicable to TruMark Financial’s Visa Signature credit card, current TruMark Financial credit cardholders, or those who have closed a TruMark Financial credit card in the past six (6) months. Offer subject to change. All loans subject to approval. Business accounts are not eligible. All trademarks shown are property of their respective owners and are not affiliated with TruMark Financial Credit Union.

*Annual Percentage Rate (APR) accurate as of 2/9/2019, applies to minimum line amount of $5,000, is subject to change without notice, and applies to a loan-to-value (LTV) ratio of 80% for primary residence. Rates vary depending upon amount financed, credit score, lien position, and collateral. Minimum APR is 4.49%, with automatic payment discount, maximum APR is 18%. Introductory rate will be in effect for six (6) billing cycles from credit line open date. After the introductory discount period expires, the variable APR is effective for the life of the line. Rate reflects a 0.25% discount for loan payment via automatic funds transfer from a TruMark Financial checking account. Otherwise, APR is 0.25% higher. Property and/or flood insurance is required. APR is variable based on the highest Prime Rate published in The Wall Street Journal and is adjusted on a monthly basis. As of 12/19/18 the Prime Rate was 5.50%. All loans/lines of credit are subject to approval and collateral evaluation. $100 origination fee will apply. Fees and charges may apply. Additional restrictions, limitations, and exclusions may apply. You may elect to “lock in” or convert a portion of your variable-rate outstanding balance to a fixed APR over a set term. You may select the term of your lock feature from terms provided to you at the time you exercise this option. Offered rate will be based upon borrower’s creditworthiness and term selected. The minimum amount that may be locked in is $5,000. The minimum term of the lock feature is five years and the maximum term of the lock feature is 20 years. Please call TruMark Financial at 1-877-TRUMARK for further details. NMLS 404938

*Use your TruMark Financial Visa debit card for signature-based and/or PIN-based (i.e., credit and/or debit) purchases Feb. 1, through March 31, 2019, to be entered to receive one (1) “TruMark Financial Win a Smart Home” entry for every purchase posted, net of returns. Limited-time offer. Business accounts are not eligible. Other restrictions may apply. Offer subject to change. Visit trumarkonline.org/win for official rules and regulations. No purchase necessary.

Introductory rate

0.76APR*%

for six months

Rates as low as

11.24APR*%

thereafter

Design your smart home

*Have your 2018 federal tax refund deposited directly into your TruMark Financial account by May 31, 2019, for a chance to have that deposit doubled by TruMark Financial. TruMark Financial will match your deposit up to a maximum of $5,000 if you are the selected winner. TruMark Financial members age 18 and older are eligible. Business accounts are not eligible. Cannot be combined with other offers. Only directly deposited tax refunds from IRS/Treasury to TruMark Financial are eligible. External transfers from another financial institution are not eligible. If federal tax refund is split between multiple financial institutions, only the portion deposited directly to TruMark Financial is eligible. Visit trumarkonline.org/doubleyourrefund for details.

Double your tax refund

Introductory rate

2.24APR*%

for six months

Rates as low as

4.49APR*%

thereafter

Member banking is better banking®

TruMark Financial’s Car Buying Service powered by TrueCar lets you see what others paid, so you don’t overpay for your new vehicle. Use the online tools to search trusted dealerships in your area and have the hassle-free buying experience you’ve been looking for. It’s easy, here’s how:

1 Compare – build a new car based on your preferences—such as make, model, and options. Or search the inventory of thousands of used cars. See and compare dealer-guaranteed* prices and what others paid.

2 Connect – once you choose the car you like, work with a network of local, TrueCar Certified Dealers. Select a dealer and print your Guaranteed Savings Certificate* before you go to the dealership.

3 Get pre-approved – apply for a TruMark Financial new or used auto loan before you visit the dealer. Take your Guaranteed Savings Certificate and TruMark Financial pre-approval to the dealer. Now you are ready to buy.

Start shopping online todayVisit trumarkonline.org/auto or call 1-877-TRUMARK

Save time and money on your next vehicle with TrueCar®

*Between 7/1/17 and 9/30/17, the average savings off MSRP presented by TrueCar Certified Dealers to users of TrueCar powered websites, based on users who configured virtual vehicles and who TrueCar identified as purchasing a new vehicle of the same make and model listed on the certificate from a Certified Dealer as of 10/31/2017, was $3,383. Your actual savings may vary based on multiple factors including the vehicle you select, region, dealer, and applicable vehicle specific manufacturer incentives which are subject to change. The Manufacturer’s Suggested Retail Price (“MSRP”) is determined by the manufacturer, and may not reflect the price at which vehicles are generally sold in the dealer’s trade area as not all vehicles are sold at MSRP. Each dealer sets its own pricing. Neither TrueCar nor its affinity partners brokers, sells or leases motor vehicles. All commercial vehicles or vehicles used for commercial purposes must be directed to the Commercial Lending Department. We may determine a vehicle to be commercial or otherwise ineligible based on the model and/or information provided to us.

Board of DirectorsHugh T. Bray, PresidentLeonard V. Doughty III, Vice PresidentWayne J. Goodwin, TreasurerR. Terence Brunt, SecretaryJoseph J. Bily, DirectorJoseph J. Ciaranca, DirectorDaniel L. Dillard, DirectorDavid A. Rufibach, DirectorWilliam A. Tollok, Director

Supervisory CommitteeDonna M. Carvin, ChairpersonJames P. DeBow, Vice ChairpersonKathleen Wells, SecretarySuzette E. Adams, AlternateWilliam Donehower, Alternate

Account Management by Phone 215-953-5950 | 800-835-2628

Online Banking trumarkonline.org

Member Service Center 1-877-TRUMARK | 215-953-5353

24/7 Loan Applications1-877-TRUMARK | trumarkonline.org

Center City Philadelphia1701 Market Street, Philadelphia, PA 19103

Chestnut Hill8500 Germantown Avenue, Philadelphia, PA 19118

Downingtown370 W. Uwchlan Avenue, Downingtown, PA 19335

Doylestown4381 West Swamp Road, Doylestown, PA 18901

Eastern North Philadelphia1900 North 5th Street, Philadelphia, PA 19122

Fort Washington335 Commerce Drive, Fort Washington, PA 19034

Horsham301 Horsham Road, Horsham, PA 19044

Jenkintown515 Old York Road, Jenkintown, PA 19046

Levittown179 Levittown Parkway, Levittown, PA 19054

North Wales1200 Welsh Road, North Wales, PA 19454

Northeast Philadelphia7306 Castor Avenue, Philadelphia, PA 19152

Parkwood12377 Academy Road, Philadelphia, PA 19154

Phoenixville23 Nutt Road, Phoenixville, PA 19460

Plymouth Meeting1920 Butler Pike, Conshohocken, PA 19428

Richboro984 Second Street Pike, Richboro, PA 18954

South Philadelphia1931 South Broad Street, Philadelphia, PA 19148

Springfield, Delaware County1141 Baltimore Pike, Springfield, PA 19064

Trevose1000 Northbrook Drive, Trevose, PA 19053

Trooper2795 Ridge Pike, Trooper, PA 19403

Upper Darby1884 S. State Road, Upper Darby, PA 19082

Warrington875 Easton Road, Warrington, PA 18976

Wayne115 E. Swedesford Road, Wayne, PA 19087

West Chester1052 Andrew Drive, West Chester, PA 19380

For branch hours and days of operation, please visit trumarkonline.org or call 1-877-TRUMARK (878-6275).

Stay social:

Copyright© 2019 TruMark Financial Credit Union. All Rights Reserved.”TruMark Financial” is a registered trademark of TruMark Financial Credit Union. 02/19

TruMark Financial will be closed Tuesday, Feb. 5, 2019, for an employee meeting.

TruMark Financial also will be closed Sunday, Feb. 17, and Monday, Feb. 18, 2019, in observance of Presidents Day. Access your account 24/7 via online and mobile banking, or at thousands of ATM locations nationwide.

Holiday and event closings

Notice of annual meeting

Save more in 2019Meet with the credit union’s knowledgeable, experienced financial specialists, who can help take you where you want to go today and in the future. Schedule an appointment to review personal banking and savings plans, loan/line options, mortgages, and refinancing. Branch representatives and credit union experts are available to meet in-person or via a phone consultation.

Make an appointment todayCall 1-877-TRUMARK or visit trumarkonline.org/schedule

When inclement weather hits, visit TruMark Financial’s website or social media profiles for branch closings and late openings.

Follow us facebook.com/trumarkonline

twitter.com/trumarkonline

Stay safe and connected this winter

Now it’s easier to earn great ratesMembers are now able to open certificates of deposit and money market accounts while logged into online banking and fund the new shares from their existing TruMark Financial account. The “Add a Share” feature is located under the Member Services option within online banking.

Visit trumarkonline.org/ob to get started

Join us at the credit union’s headquarters for TruMark Financial’s annual meeting:

Thursday, March 28, 2019, at 7 p.m.335 Commerce DriveFort Washington, PA 19034