Financial Data as of 8/31/19

SharesLoansAssetsMembersNumber of offices

$323,065,055$231,649,440$376,252,286

38,71725

Charity UpdateTo date over $7,173 has been raised for the Cure Alzheimer's Fund through “Dress Down for a Buck” donations made each Friday by Partners 1st employees.

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

Partners 1st Contact Information

Partners 1st Federal Credit Union

Phone 260.471.8336 or 800.728.8943

Fax 260.471.7643 or 260.470.9773

Internet Addresswww.partners1stcu.org

Mailing Address1330 Directors RowFort Wayne, IN 46808

Routing & Transit274973316

www.par tners1s tcu .o rg Partners 1st Federal Credit Union4

YOUR KEY

Love My Credit Union Rewards

Fall 2019

GREAT RATETO A

Looking to buy or refi? Come into any Partners 1st and take advantage of auto rates as low as 2.99% APR and unlock major savings. Call, click or stop in at your local branch today!

Promotional rate valid August 26, 2019- October 31, 2019 on 2016 model year and newer vehicles and subject to change. Floor rate of 2.99% APR applies only to 730+ Credit scores with a 60 month or less loan term. Standard rates apply for all other credit scores based on creditworthiness and loan term. Additional restrictions may apply. Standard underwriting guidelines apply. Monthly payment example based on $16,000.00 loan at 2.99% APR with a 60 month term equals $287.43. First payment deferred up to 90-days available for qualified borrowers. Interest begins at loan disbursement. APR= Annual Percentage Rate

Your credit union membership is about the trust and care of community, built around where you live, work and play. That’s why Partners 1st Federal Credit Union membership saves you money through exclusive member-only offers through our trusted partners. Through Love My Credit Union Rewards, credit union members have saved over $2 billion with offers like:

• Credit union members get $200 when you switch to Sprint, plus lines 3, 4 and 5 are FREE! Plus, $100 Annual Loyalty Cash Rewards and 25% off select accessories in Sprint retail stores.

• Credit union membership also saves you up to $15 on TurboTax federal products.

• Credit union members save on SimpliSafe, the #1 expert pick for home security.

• Protecting your car and home shouldn't cost an arm and a leg. Partners 1st Federal Credit Union members can save big with an exclusive discount from the TruStage Home & Auto Insurance Program.

Learn all about how your Partners 1st Federal Credit Union membership gets you all these exclusive savings, and more at partners1stcu.org or LoveMyCreditUnion.org. Check them out and start enjoying credit union member benefits you never knew you had.

Partners 1st Federal Credit Union3www.par tners1s tcu .o rg www.par tners1s tcu .o rg Partners 1st Federal Credit Union2

Control Your Cards With MobiMoney

Mortgages Made Easy

MobiMoney™ is a free app that gives you control of your Partners 1st debit and credit cards. With your smartphone, you can turn your cards on and off, manage spending limits, create transaction alerts and more.Features of MobiMoney include:

• Turn your cards on and off 24/7• Receive instant card transaction alerts• Limit card usage based on location, transaction type, and amount• Set merchant preferences• Check account balances, transaction history and track monthly spending

Ready to try it out? Download "MobiMoney" from the App Store or Google Play for free. Select "New User" to create your account and enter your Partners 1st card information. Then you're ready to start managing your cards!

2019 Scholarship Winners

Our new office in Winchester, VA is open! We look forward to serving Winchester and the surrounding area from this new location at 3143 Valley Pike, Winchester, VA 22602.

New Winchester, VA Office

Partners 1st Privilege PayProtect yourself against bounced check fees and being denied at the checkout lane with Partners 1st Privilege Pay. This overdraft “safety net” is put in place to help you when funds are low or a balance error has been made.

Privilege pay may be used to clear checks, ACH items, teller counter transactions and bill pay transactions to avoid a non-sufficient funds condition. This limit has also been extended to cover ATM checking account withdrawals and Visa debit purchases for those who have opted to have those transactions covered.

If you wish to have this protection for ATM/POS (debit card) transactions, you must OPT-IN for Privilege Pay by contacting your nearest Partners 1st office or by calling 260.471.8336 or 800.728.8943.

Overdraft protection for checks, ACH, ATM and POS transactions and is available on most checking accounts. Funds will automatically transfer from your Savings account, and if qualified, privilege pay. In addition, you may elect to have the overdraft protection funds transferred into your Checking account from your Line-of-Credit accounts. We are under no obligation to pay a transaction which exceeds the balance of the Checking account. We may, however, pay such a check or debit and charge the amount of the resulting overdraft (plus the overdraft transfer charge) against any other savings account from which the signor of the Checking account is entitled to withdraw. If the presentation of a check or debit would result in the Checking account being overdrawn, and if at that time you are eligible to receive advances from a Line-of-Credit plan or privilege pay, such a check or debit shall be deemed a request to advance from those plans sufficient to permit the check or debit to be honored and the related overdraft transfer charge or paid item charge to be paid as long as sufficient funds are available. We may, at our discretion, honor payment of a check or debit which exceeds the available balance in your Checking account, overdraft option account, or Line-of- Credit plan. If such an item is honored, you agree to repay us any and all sums associated with the payment, including any associated fees.

Partners 1st would like to congratulate this year's recipients of the Charles M. Cook Scholarship!

Each year, Partners 1st awards up to $10,000 total in scholarships to offer financial assistance to qualified individuals who are in pursuit of educational advancement. To learn more about the Charles M. Cook Scholarship Program or to apply for next year, please contact your local office or visit www.partners1stcu.org.

Jordan Keuneke Huntertown, IN

Andrew Gerig Fort Wayne, IN

Hannah Meadows Elkton, VA

Claire HarveyHuntington, IN

Joshua Jovevski Fort Wayne, IN

Are you in the market for a new home? Looking to save some money by refinancing to a lower rate? With low interest rates and a variety of mortgage options to choose from, we’re sure to have a loan that fits your lifestyle.

At Partners 1st, our mortgage experts help you get more from your mortgage by structuring it around your needs. Our fast and simple approach combines competitive rates and quick decisions. Plus, you get a highly personal, highly responsive mortgage professional to guide you through every step.

Whatever stage you are at in life, we'll be sure to find the loan that's right for you.

• Conventional Loans• FHA & VA Loans• Fixed Rate Loans• Adjustable Rate Loans

Contact our mortgage team at 260.471.8336 or email mortgage@partners1stcu.org when you're ready to make the move!