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Unlike your bank.Q1 2015To Health, Wealth,& HappinessNew Year’s toasts may be one of thefew times that health and finances arementioned together, but research has shownthat our financial circumstances can have areal impact on our physical health.Choosing to live a healthierfinancial lifestyle can have areal and positive effect onyour physical and mentalhealth as well.An Associated Press-AOL Health poll found that people who reportedhigh levels of stress over debt suffered from at least three stress-relatedillnesses, including migraines, ulcers, depression, and anxiety, and weretwice as likely to have a heart attack compared with those who did notworry about their financial situation.We encourage you to take your efforts at becoming financially fit to the nextlevel this year using Allegacy’s convenient products and services. It’s one ofthe easiest ways to improve and maintain your physical and financial health.

f rom t h e d e s k o f c at h y j . pac e , c eoLast year, Allegacy made great progress in our goal of helpingpeople live a healthier lifestyle, both physically and financially.After receiving national and regional recognition for our efforts,we know that our members and employees are depending on usmore than ever to help them reach their goals.Our confidence is stronger than ever given that, in 2014, weencouraged our members to be financially fit while we, as anorganization, achieved a very financially fit year.One of the influences that contributed to our success was thefact that more of our members chose to make Allegacy theirprimary financial institution. You trust us with everything fromyour checking and savings to your auto and home loans to yourretirement investments.Your vote of confidence helped us reach new levels of successas an organization. And because we’re a member-owned creditunion, we will continue to turn our financial success into greaterfinancial benefits for you in the form of higher yields and lowerinterest rates.This year, we encourage you to spreadthe word to family members and friendsabout why you’ve chosen Allegacy tobe your financial institution. It’s morethan just a referral — it’s a way of givingsomeone else the opportunity to begintheir own path to financial fitness.Turn your holiday bonusinto healthy earnings.Use your year-end bonus to open a free SmartRate Checking Accountand watch your money multiply. SmartRate Checking is fee-free, and itonly takes 50 to open an account. Best of all, you’ll earn competitivedividends on balances up to 25,000*. It’s one of the easiest ways tostretch an annual bonus into years of incredible earnings.*Higher dividend rate based on meeting SmartRate Checking requirements. Must meet member eligibility requirements.

Find Financial Peaceof Mind OnlineYou know the Internet is good for more than cat videos and insomniafueled shopping sprees. If you’re looking to take the anxiety out oforganizing your finances, the Internet is a great tool. Allegacy has severalfree online services to help you reach new levels of financial fitness andachieve much-needed peace of mind.Fee-Free (and Stress-Free) CheckingDoes your current checking account statement make you reach for thePepto? Fees for this. Service charges for that. And the pain that ensueswhen you dip below the minimum balance is almost more than you can take.Checking accounts don’t have to beso stressful. SmartRate Checkingfrom Allegacy is 100% painless andfee-free. It’s a simple proposition:you can open an account with as littleas 50, earn competitive dividendson balances up to 25,000, and getrefunds on ATM fees by meeting afew easy requirements*.Switching financial institutions?Don’t worry. We’ve made thatpainless, too.— Download our step-by-stepSwitchKit.— Gather and organize yourfinancial information.— Use the fill-in-the-blank templatesto make a smooth switch.There’s no monthly service chargeand no minimum balance to worryabout. Plus, SmartRate Checkingcomes with free direct deposit, free overdraft protection, and a free AllegacyVisa Check Card. And don’t forget about those sweet dividends*.Instead of popping an antacid every time a new statement posts, switch tofree SmartRate Checking and breathe a sigh of relief while watching youraccount balance grow.Make the healthy choice for your wallet and your well-being. Open anaccount online today at AllegacyFCU.org, or visit the Allegacy FinancialCenter nearest you.*Higher dividend rate based on meeting SmartRate Checking requirements.Must meet member eligibility requirements.smartThrough our WebBanking portal, you can manage all your Allegacyaccounts online in one convenient, secure location. In addition to viewingtransactions, transferring funds, applying for a loan and/or opening anaccount online, you can receive, pay and track your monthly bills, accessand download your Allegacy accountstatements, and transfer moneyfrom your accounts at other financialTake control of your financesinstitutions.by using our online andmobile banking services to:On the go? Use our Mobile Bankingservice to enjoy many of the same— Receive and store yourgreat features that WebBanking statements securely online.offers from wherever you may be.— Make deposits without havingto visit a Financial Center.Using the free Allegacy app, you— Avoid losing track of your billscan deposit checks from anywhereor making late payments.in the world. All you have to do issnap a picture of a check with yoursmartphone or tablet, and we’llcredit your Allegacy account directly. Download or update the Allegacyapp on your Apple or Android device to start using our Mobile CheckDeposit service right away.To register for WebBanking or to download the Allegacy app, visitAllegacyFCU.org today.

Charging Ahead SafelyCall Before You GoGiven the large-scale data breachesannounced by retailers such as Targetand Home Depot, it’s starting to feellike credit and debit cards shouldcome with a warning. Caution: Use ofthese products may cause anxiety orharm to your financial health.Headed out of town? Give us a call beforeyou leave, so we can take one less worryoff your shoulders. If you’re planning touse your Allegacy Visa Check or CreditCard while traveling, notify us ahead oftime so we can modify your daily limit,if needed.Quick tips for enhancing yourdata security:— Opt to receive your monthly debitor credit card statement via email.— Get the Allegacy app to track youraccount activity in real time.— Visit Security Alerts underthe Learn Tools section ofAllegacyFCU.org.But it’s increasingly harder tofunction using cash alone. Casein point: According to a report byForrester Research Inc.1, by 2017,approximately 10.3% of total retail sales in the U.S. will be onlinepurchases, where using cash simply isn’t an option.Daily limits exist to protect you in case of fraud or theft. Your existingdaily limit varies based on card type and whether a transaction is PINbased or signature-based. Allegacy members can request a temporarylimit increase for large purchases — like hotels, airfare, and other travelrelated expenses — that may exceed the daily limit*.If you’re concerned about using your Allegacy Visa Check or CreditCards for online or in-store purchases, do not fear. Your card is backedby Visa , which guarantees you absolute fraud protection and zeroliability for unauthorized card transactions.To ask about modifying your daily limit, call Member Services at336.774.3400 or 800.782.4670. We also now offer a Travel Requestform within WebBanking , under the Secure Forms menu item.Happy travels!*Some restrictions may apply.Plus, if your card or financial information is lost or stolen, you’ll beprotected by Visa’s powerful on- and offline fraud prevention tools and24/7 fraud detection monitoring.Allegacy believes in taking a proactive approach to data breaches, whichmeans that we will cancel any potentially affected cards, even withoutidentified fraud, and reissue new ones. It is the smartest and safestcourse for our members.To learn more about how Allegacy ensures that your data is safe, orto learn about our other products and services that help protect you,contact Member Services at 336.774.3400 or 800.782.4670.1Source: retail-sales-will-involve-web-2017”College costs less when you’re onthe path to financial enlightenment.If you are looking for ways to pay for higher education, consider applyingfor one of the scholarships provided to members by Allegacy. We offer twoscholarship programs, both of which relieve some of the burden of payingfor college. The application process is open now through March 6, 2015.You can apply online at AllegacyFCU.org/scholarships.Not yet a member? Not a problem. It’s easy to join. For more information,contact us: StudentLoans@AllegacyFCU.org or 336.774.4138 /800.782.4670 x4138.