SUGGESTIONS, TIPS AND INFORMATION TO IMPROVE YOUR LIFE | SUMMER 2014 | TRULIANT.ORG

InsIDe tHIs IssUe:

President’s Message: Summer 2014 p.2

Protecting Yourself From Escalating Insurance Costs p.2

A Message From Your Chief Operating Officer p.3

New Website Coming Later This Year p.4

Summer Travel Tips p.4

Summer Driving Made Easy p.5

New Location: Whitaker Square Is Now Open p.5

Simplified Car Buying With CUABS And AutoSmart p.6

Save Time With Truliant’s Mobile Applications p.6

Jacob: Truliant Member-Owner For Nine YearsAs a small-business owner, husband and father of four young girls, Jacob didn’t have much time for advice on debt relief when he needed it. The personal attention he received from Truliant helped him build a more solid financial foundation. Truliant also helped Jacob create a more disciplined approach to giving for his daughters’ savings accounts. Now he helps build their future by putting $10 into each account when he makes a business deposit. A member-owner who uses everything from online banking to financial advisor services, Jacob visits Truliant nearly every day. He now refers to himself as “Mister Truliant.”

Meet Jacob“They’re more sympathetic toward people. You’re not just another number, another face. They get to know you.”

President’s Message: Summer 2014

WE CAN BE JUST AS CONVENIENT TO OUR MEMBERS AS THE LARGE

BANKS THAT HAVE THE ADVANTAGE OF MANY BRANCHES - WHEN IT

COMES TO TRANSACTIONS.

Not another red light! It’s scorching hot outside, traffic is backed-up. I’ve got maybe twenty minutes to stop by the Truliant branch to deposit a couple checks, get some cash and ask about a car loan for my son who just graduated from college. I hope there’s not a long line. And, I need to grab some

lunch and get back to work within the hour. Quality of life this isn’t.

Scene shifts to a parallel universe - I just laid out two checks and used my phone to deposit them to my Truliant account. Then I filled out an auto loan application online for my son’s car. I’ll need some cash for the weekend, but I’m stopping by the store on the way home for some groceries, so I’ll just get some cash back at the checkout from my Truliant debit card. I noticed they issued me a credit at Home Depot on that account, so I’ll go over this weekend and pick-up some mulch for the flower beds. I heard Truliant’s working on a self-checkout feature with some merchants, so soon I may not even have to stand in a checkout line! I’ve got extra time for lunch, so I called my sweetie and we met for lunch at Bistro Bistro. I’m stopping by Truliant later this week, since I have an appointment with Lauren to talk about how to position the money we’re setting aside to send our kids to college and how to meet our goal to retire someday.

These are different visions of the same world we already inhabit... or soon will. Advances in technology will

generally improve our lives by taking routine transactions that can be inconveniently time-consuming and make them easy. For Truliant, that also means we can be just as convenient to our members as the large banks that have the advantage of many branches – when it comes to transactions.

The flip-side is that we can focus on the conversations that help guide your choices in building your financial life and future. To support this focus, Truliant has already or is currently in the process of adding new Member Financial Centers in Elon, Whitaker Square in Winston-Salem and multiple new locations in the Charlotte area. Our staff and advanced ATMs in the Member Financial Centers can still perform basic transactions; however, they’re just as likely to provide you with sound advice on your financial choices as they are to help you cash a check.

Google recently announced the self-driving car with no steering wheel and no brakes. All you’ll need is the on-off switch. Amazon projects delivering orders to your home or office via hovering drones. We’re only projecting gradual changes in how you handle routine transactions and how we’ll use the time saved together to offer you informed guidance as you chart your financial course ahead.

You’d expect nothing less from your member-owned financial provider with the mission of life improved, as we are truly here to improve your life.

Marc SchaeferPresident and CEO

LIFE IMPROVEDSM

Avoid Auto Insurance Spikes With Nationwide Insurance CoverageSafe driving not only saves lives, but as a Truliant Member-Owner, it can save you money. Being cited for speeding, causing an accident or reckless driving can increase the amount you pay for auto insurance, but are you aware of how significant those increases may be?

According to the NC Department of Insurance, having just one point for speeding on your driving record can increase insurance premiums by 30%. If you are traveling over 80 mph in a 70 mph zone (4 points) and cause an at-fault accident resulting in bodily injury your insurance premium could increase 165%! Keep that in mind the next time you drive on the highway.

Truliant has partnered with North Carolina’s #1 insurer, Nationwide Insurance, to give members protection against escalating insurance costs. Nationwide offers many

valuable benefits and discounts on auto insurance including their Accident and Violation Forgiveness program. This benefit provides forgiveness for one accident per policy per rolling 36-month period. Additionally, each driver in the household is eligible for forgiveness of one minor traffic violation (up to a 3 point violation) per 36-month policy period.

To learn more, contact: Nationwide Agent: Brent Johnson | PH: 336-773-1322 | eMail: johnsobr@nationwide.com

A Message From Your Chief Operating OfficerBanks and credit unions are two very different animals.

Coming to Truliant Federal Credit Union with a business perspective shaped by two decades at regional and community banks, the significant differences in how each approaches service have become far more evident. Too few people truly understand these differences and the quality level of services and benefits we provide.

Now two years into my role as chief operating officer at Truliant, long enough to be firmly entrenched into a new life outside banks, the most noticeable difference is that credit unions put members first in a way banks cannot. There are some good banks that care about their customers, but an emphasis on quarterly earnings and delivering value to shareholders seeking higher returns often clouds their ability to have a crystal clear focus.

A bank’s decisions are often made for the sake of earnings at the cost of understanding needs and extending exceptional service. The retail culture for most banks is to sell their customers as many of their products as possible, believing that the more each customer has, the less likely they will be to leave for other financial institutions.

These behaviors result in a person’s time with bank employees being spent on the sales pitch for a number of preapproved products: credit cards and lines of credit ring a bell? This doesn’t translate into the personal attention at the heart of Truliant’s mission to listen, understand your wants and needs and to work together in reaching your financial goals. Financial institutions exist because your money is personal and there’s a certain level of trust you expect from them. At Truliant, we work at earning your trust by always having your best interests at heart.

Following the financial crisis of 2008 and the consolidation of the biggest banks into even bigger entities, their focus became more cumbersome, widespread and financially oriented. This created a disconnect with the people waiting patiently – and sometimes nervously – in the lobby, expecting an experience that takes time, energy and guidance.

They might be buying a first home, land that’s been in their family for decades or getting ready to send their firstborn off to college. They don’t want to be pushed into a complicated new loan product by a worried employee burdened by a weekly sales quota set in some faraway office to meet an earnings target.

You want your financial institution to help you sleep better at night. As a member, you are an owner of Truliant, our shareholder. We believe you deserve careful personal attention, and we understand that you want your money to work harder for you; to earn more, to pay less fees and interest, and to help you reach your goals and make your dreams happen. This requires personal attention from an attentive representative that not only understands you, but can empathize with your situation.

Rather than pushing products or seeking additional fee income to boost balance sheet earnings, as most of the banks do, your needs drive Truliant’s business model. Our job is to improve your life and we take this seriously. We do this with your best interest at heart. This is our brand and our competitive advantage.

We look forward to working with you to help you improve your life.

Todd HallChief Operating Officer

Mint Hill Member Financial Center Opening SoonTruliant is proud to announce the Fall 2014 opening of our Mint Hill Member Financial Center, located at the Mint Hill Pavilion Shopping Center at 7114 Brighton Park Drive, Suite 300 in Mint Hill, N.C. Located in the Southeast quadrant of Charlotte’s I-485 Loop, this location demonstrates our commitment to providing financial management tools, technology and service driven by your needs.

New Website Coming Later This YearDuring the last several months, we’ve worked diligently to create a brand new website with the focus of improving your lives and having your best interest at heart. In the coming months, you will hear more about our new and improved website with enhanced features like:

• Newly designed structure and intuitive navigation • Responsive design to fit your smart TV, desktop, tablet and/or smart phone • Better search capability, so you can find the information you need • And more!

We’re confident that you’ll find Truliant’s new website convenient when it debuts later this year. Our goal is to make sure the website is easy to use and offers smooth navigation.

To ensure this new site supported our goals, Truliant also performed a usability test with a focus group of member-owners. The goal of this testing was to ensure that Truliant members found the new site easy to use, align it with our Improving Lives brand and to identify any problems with the navigation and structure of the site. We are pleased to report that the response to the new site was highly favorable.

We are happy to present the new look of the site to all our member-owners, which is scheduled to go live later this year.

Stay tuned in the coming months for more information on the arrival of Truliant’s online makeover!

Summer Travel Tips To Keep You And Your Finances SafeAt Truliant, our goal is to help educate our members and provide you with new ways to help you ensure your travels are safe and worry-free when it comes to your financial security!

Before You Leave: • Contact your local post office and put your mail on hold during the time you are gone. This can also easily be done online at usps.com by clicking on “Manage Your Mail.” • Put some lights in your home on a timer so it appears someone is home. • Set up your online bill pay with Truliant so you can view/pay your bills while you’re away.

Debit and Credit Cards: • Only take the credit and debit cards that you expect to use, plus a backup. When you get home, check your balance and the charges on your cards. You can also monitor your balances while you are traveling with our mobile banking app. • Memorize your personal identification number (PIN); do not write it on your card. • If you lose one of your cards, report it immediately. • Call Truliant at 800-822-0382 before you travel, so that we may activate your cards to be usable in the designated states and countries during your trip.

Questions to Ask Truliant: • Will my card work at my destination? Because some destinations have additional security alerts affecting the Truliant debit, credit and ATM cards, make sure to call us at 800-822-0382 and specify which locations you’re traveling to and the dates you’ll be gone. This will help us to know that it’s really you using your card (not a stolen card), and we won’t turn off your cards while you are away. • Will there be a fee if I use my debit card at an ATM? • If my credit/debit card is lost or stolen, what should I do? • What phone number should I call if there’s an emergency? • What is my debit card’s daily limit for ATM withdrawals? Be aware that many foreign ATMs have their own limits.

Truliant’s new home page

New look for internal pages

Make Your Summer Driving More Satisfying... And Affordable!Looking for a new or used vehicle to handle summertime drives to barbecues, beaches, birthdays and baseball games? Get the most out of your next auto loan with Truliant. We have a variety of flexible auto loan options including:

• Rates as low as 1.74% APR1 • Flexible terms • 100% financing for qualified borrowers • Easy application process

We also offer a variety of loan types to get you in your new or used vehicle for less:

Fuel Efficient Auto Loan | First-Time Car Buyer program | Parent Assist program

Plus, if you have a vehicle financed elsewhere, Truliant can help you save by lowering your monthly payment and interest rate.2 We can help find an auto loan to fit your needs. Applying is fast and easy. Visit your local Member Financial Center or apply online to get started today.

(1) Rates and promotional terms are subject to change. Loans are subject to credit approval. Floor rate on auto loans is 1.74% APR. (2) Additional terms apply for refinancing existing Truliant auto loans.

Freshen Up Your Living Space With Your Home’s EquityThinking about home repairs, improvements and upgrades? Boost the value of your home by making the home improvements you’ve been planning. Now is the perfect time to build more enjoyment into your surroundings with a home equity line of credit from Truliant. We offer:

• Loan amounts from $10,000 to $350,000 • Rates as low as 3.25% APR3 • Variable rates

Truliant can help you get the right loan with the personal attention you deserve. Play an even greater role in defining your home’s worth with an equity line. Financing your dream is easy. Filling it with memories is up to you. Stop by your local Member Financial Center, call us or apply online to get started today!

(3) Rates and promotional terms are subject to change. Loans are subject to credit approval. Maximum APR for Home Equity Lines of Credit is 18.00%.

Whitaker Square Member Financial Center Now OpenTruliant is proud to announce that our new Whitaker Square Member Financial Center is now open. Located at 1985 N. Peace Haven Road in Winston-Salem, N.C., this location provides the latest financial services technology and maintains a focus on the personal attention and convenience you deserve.

MAIL:

Truliant Federal Credit Union P.O. Box 26000 Winston-Salem, NC 27114-6000

ContACt Us:

Charlotte, NC 704-522-1955

Greensboro/High Point, NC 336-664-1955

Winston-Salem/Kernersville, NC 336-659-1955

Richmond, VA 804-965-1966

Other Areas 800-822-0382

WebsIte:

Truliant.org

soCIAL MeDIA:

Certificates & IRA Certificates3 to 36 months APY*$250 - $4,999 . . . . . . . . . . . . . . . . . . . . 0.15% - 0.85%$5,000 - $24,999 . . . . . . . . . . . . . . . . . . 0.15% - 0.90%$25,000 - $99,000 . . . . . . . . . . . . . . . . . 0.20% - 0.95%$100,000+ . . . . . . . . . . . . . . . . . . . . . . . 0.25% - 1.05%Consumer Loans APR**Preferred Line of Credit . . . . . . . . . . . . . . as low as 6.50%VISA® . . . . . . . . . . . . . . . . . . . . . . . . . . as low as 8.15%2013 - New Car/Truck . . . . . . . . . . . . . . as low as 1.74%2007 - 2012 Used Car/Truck . . . . . . . . . as low as 2.14%2004 - 2006 Used Car/Truck . . . . . . . . . as low as 3.64%Home Equity Line of Credit (HELOC)***Variable . . . . . . . . . . . . . . . as low as prime minus 0.25%Fixed Rate Mortgage APR**15-Year Fixed . . . . . . . . . . . . . . . . . . . . . . . . . . 3.721%20-Year Fixed . . . . . . . . . . . . . . . . . . . . . . . . . . 4.274%30-Year Fixed . . . . . . . . . . . . . . . . . . . . . . . . . . . 4.45%Adjustable Rate Mortgage (ARM)3/1 ARM . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2.992%5/1 ARM . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2.827%7/1 ARM . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3.08%

2014 UpCoMIng HoLIDAys

Truliant Federal Credit Union will be closed on the following days:

Labor DayMonday, September 1

Truliant is federally insured by the National Credit Union Administration and is an Equal Housing Lender.

*Annual Percentage Yield (APY) is accurate as of 6/17/14 and subject to change. Penalties may be imposed for early withdrawal. Fees or other conditions could reduce earnings.

**Annual Percentage Rate (APR) is effective 6/17/14; subject to credit approval and subject to change.

***HELOC periodic rate not to fall below 3.25% or exceed 18% for a plan with a loan-to-value of 85% or less. Some home loans are only available in NC, SC, TN, OH, FL, GA, and VA.

Rates are accurate as of 6/17/14 and subject to change.

Member-Owner Appreciation DaysEvery year, we say thank you for choosing Truliant as your financial services provider. Join us on Member-Owner Appreciation Days from July 22-24 for free giveaways, treats and more! It’s one more way we demonstrate a commitment to enhancing the lives of our member-owners.

How To Better Use Truliant: Mobile Product SuiteOur convenient mobile products are never more than a touch away and give you time to focus on what really matters. Take advantage of products and services like:

• Online Banking • Bill Payment • Mobile Banking through Tru2Go Apps • Remote Deposit • Popmoney®

Visit Truliant.org or your local Member Financial Center for details.

CUABS And AutoSmart Simplify Car BuyingTruliant can help you save thousands on your next car with our Credit Union Auto Buying Service® (CUABS) and easy-to-use AutoSmart website.

Our CUABS auto advisors can help you find the new or used auto of your choice, value your trade, get you approved for a loan and even deliver the vehicle to your home or office. Our AutoSmart search engine can help you conveniently search for and custom build your vehicle before purchasing through Truliant’s network of auto dealer finance partners.

Visit us at CUABS.com or CUDLAutoSmart.com to get started today!