I

MembershipMatters Fall

2019

From the Desk of our CEO t is an exciting time to be a member of Piedmont Advantage Credit Union (PACU)! While there

will be more updates in future newsletters, I would like to share a few items with you now. Please keep in mind that as a member of the credit union, you are an owner and we are here to serve you! The investments we make in human resources, technology, or facilities, for example, have one common goal – to improve the financial lives of our member owners.

Many PACU members are taking advantage of the retirement Investment planning and Investment Services, available through CUSO Financial Services, L.P. (CFS*). In response to the success of the program and demand for more coverage, I am happy to announce that Fitz McMurry has joined the team as a CFS* Financial Advisor, covering the Mooresville and Charlotte markets, while Michelle Kimmer has joined the team as a CFS* Financial Assistant. Michael Westbrook, our CFS* Senior Financial Advisor and Director of Piedmont Advantage’s Financial Wellness, along with Fitz and Michelle, look forward to working with you and your family to help achieve your financial planning goals. Whether it’s college education, retirement, or some other financial objective,

Dion Williams, CFP®, MBA President / CEO

*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Piedmont Advantage Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.

Darren Cranfill, Director Steve Gilliland, Director David Lance, Director Justine Lerch, Director

Tom Mekis, Secretary Mark Saunders, Associate Director BOARD OF DIRECTORS

George Price, Vice Chairman Gene Sharp, Director John Reece, Treasurer Jim Taylor, Chairman

let us know how we can help!

If the window for saving for college has passed, there are other alternatives – we offer student loan solutions through a partnership with Sallie Mae. Visit us on the Web at www.PACU.com to learn more (click on the ‘Invest’ tab, then ‘Plan for College’). The Members Come First Scholarship for High School Seniors is available for members. Again, visit our website for more information.

Another objective of many members is being free of debt. A mortgage payment is one of the largest expenses a household faces. Your credit union has a solution – the Liberty Loan! A ten-year term, coupled with a low fixed interest rate and low closing costs, paves the way to quickly build equity and own your home free and clear. Again, your credit union is here to be your financial partner for life and help achieve your goals.

I cannot emphasize enough how much the input and participation of the member owners of Piedmont Advantage means to the success of

the financial cooperative. We are conducting a member survey this fall. If you receive an invitation to participate, please do so as your feedback will provide valuable insight to guide our strategic planning for years to come. Also, please know that your input is always welcome, whether it’s a formal survey, a phone call, or a discussion at a branch office. This is your credit union and we are here for you!

Thank you once more for the opportunity to serve you. We appreciate your business and promise to work tirelessly on your behalf in all that we do.

Sincerely,

Fall 2019Membership Matters Financial Wellness Learning Series

FAFSA: The Key to Unlocking Financial Aid • October 10, 7 PM – Webinar

Retirement Savings Challenges for Women*

• October 29, 6:15 PM – Advantage Way(Winston-Salem)

Planning for Long-Term Care*

• November 14, 6:15 PM – Mooresville Branch

College Planning*

• December 5, 7 PM – Webinar

International Credit Union Day More than just your local financial institution, credit unions impact local communities across the globe by bringing financial empowerment to members, where they live.

International Credit Union Day is an opportunity to raise worldwide awareness about the credit union cooperative movement. We'll celebrate International Credit Union Day on October 17 in each of our branches across North Carolina. Make it a point to stop by a branch near you to say hello!

Make a transaction using your Piedmont Advantage Platinum VISA® or Platinum VISA® Rewards Card between 9/1 and 11/15

for a chance to win a 65″ 4K UHD Smart TV!

Learn more at PACU.COM/platinumvisa CONSUMER DISCLOSURE: NO PURCHASE OR OBLIGATION NECESSARY TO ENTER OR WIN. A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING. (1) Grand Prize: Samsung 65" 4K UHD Smart TV. Eligible transactions must post between 9/1/2019 and 11/15/2019. See below for alternate option for sweepstakes entry. Actual odds of winning depend upon the total number of eligible entries received. Sweepstakes ends 11/15/19.

TO ENTER BY MAIL VIA AUTOMATIC ENTRY WITHOUT PURCHASE OR OBLIGATION: Hand-print your complete name, street address, city, state, ZIP code, and daytime and evening telephone numbers (including area code) on a plain piece of 3" x 5" paper and mail it in a business-size (#10) envelope with sufficient postage affixed, to: Piedmont Advantage Marketing, 3530 Advantage Way, Winston-Salem, N.C. 27103. Mailed entries must be postmarked between September 1, 2019 and November 15, 2019 and received by November 26, 2019 in order to be included in the random drawing. Enter as often as you wish; however, each mailed entry will count as one (1) entry into the random drawing and must be mailed in a separate, postmarked-and-stamped envelope. Entries that are mechanically reproduced, copied, illegible, incomplete, or inaccurate and entries by any means which subvert the entry process are void.

Finances for Small Business Owners • December 17, 12 PM – Webinar

To register or learn more, visit www.pacu.com/explore/financial-wellness

*Non-deposit investment products and services are offered through CUSOFinancial Services, L.P. (”CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC. Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Piedmont Advantage Credit Union has contracted with CFS to make non-deposit investment products and services available to their credit union members. Insurance products and services are offered through CHS Insurance and Technology Services, LLC.

Introducing Membership Account Passwords Each day we continue to fight fraudsters to protect your account information. As an additional level of security, you are encouraged to add a password to your account for an additional level of security when discussing your account with our call center or at a branch. Each member's password is unique to them, offering stronger protection for you against identity theft.

Ways to obtain a password: 1. Contact the call center at 1-800-433-7228.

Members will then verify their account.2. Log onto Online Banking and send a message

through the account with your password of choice.3. Submit an account change card form, found under

the ‘Explore’ tab. Click on ‘Links & Forms’.4. Come in to your local branch!

Columbus Day Monday, October 14 Veterans Day Monday, November 11 Thanksgiving Thursday, November 28 Christmas Day Wednesday, December 25 New Year’s Day Wednesday, January 1

5,600+ Shared branches nationwide, including 100+ in North Carolina, 30,000+ surcharge-free ATMs and 24-hour online/telephoneaccount access. Downloadour mobile app today!

(800) 433-7228 pacu.com callcenterteam@pacu.com

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