NEWSLETTER2019 FIRST QUARTER

OKLAHOMA FEDERAL CREDIT UNION

There’s no better time than the present to purchase a new car, or refinance, with Oklahoma Federal Credit Union. OKFCU is currently running a spring promotion for car buyers. Purchase, or refinance, a new or used vehicle at a value of $15,000 or less and receive $50 CASH. Purchase, or refinance, a new or used vehicle at a value of $15,000 or more and receive $100 CASH.

So stop by OKFCU today and get in on the spring savings!

Purchase or Refinance With OKFCU

Vacation season is almost here! If you will be out of the state or country and are planning to use your debit/credit card, please call OKFCU before you travel. This way we can put a Travel Notice on your card for the time you are away so your card doesn’t get blocked. For your protection, VISA monitors your activity and when something seems out of the ordinary (suspicious activity), VISA will block your account until verification is made. So don’t worry about your money during your vacation. Call OKFCU!

HOLIDAY CLOSINGS

May 27: Memorial Day

*APR - Annual Percentage Rate. Rate includes 0.50% discount for payroll or auto transfer. Rate is determined by individual credit history and repayment history. Other rates and terms available. Current Oklahoma Federal Credit Union loans do not qualify. Must be new money to the credit union. Offer and rates subject to change at any time. **To receive cash, you must finance new money to the credit union of $15,000 or less to receive $50 cash; or over $15,000 to receive $100 cash. Federally insured by the NCUA.

Travel Notices

All Solid Gold members are invited to join OKFCU for food, fun and fellowship!

Date: April 17, 2019 (Wednesday)Time: 12 - 2 p.m.Location: Central Oklahoma Home Builders Association 420 E. Britton Rd Oklahoma City, OK 73114

Please RSVP to Robyn at (405) 524-6467 or rbell@okfcu.com by April 8, 2019.

Please complete this form if you would like to skip a payment during the month of July. If you are on any form of automatic payment (such as payroll or ACH), this form must be turned in TWO WEEKS prior to July 1st or we will not be able to process and you will not be eligible for the Skip-A-Payment Program. If you are cash-pay, you must have your request turned in ONE WEEK prior to the due date. No exceptions will be made.

Member Name: ________________________________________________________________________Address: _______________________________________________________________________________ Account #: ______________________ Daytime Phone: _______________________________________Loan Number: _________________________________ Payment Amount: $______________________Loan Number: _________________________________ Payment Amount: $______________________Method of Payment:(circle one) Check Enclosed | Deduct from Savings | Deduct from Checking

As an Oklahoma Federal Credit Union member in good standing, I am requesting to defer a payment on the qualifying consumer loan(s) I have listed above. This offer is good through July 31, 2019. All loans must be current to qualify for Skip-A-Payment. This offer does not apply to mortgage, HELOC, VISA, LOC or Home Equity Loans. Interest on your loan will continue to accrue during the month that the payment is skipped, and only one payment may be skipped per loan. I understand this action will extend the term of my loan(s) indicated above by one month. I understand that I will be contacted at the phone number indicated above if my request cannot be approved. I also understand that I will pay a total processing fee of $20 per loan. This form must be completed, signed by all parties on the loan and submitted at least two weeks before payment due date in order to process the application. Payment must be received in order to process application.

Member Signature: __________________________________________________ Date: ______________

Member Signature: __________________________________________________ Date: ______________

FOR CREDIT UNION USE ONLY: Transaction Date: ___________ Presented By: _________________________________ Approved By: __________________

Solid Gold Spring Social

Summer Skip-A-Pay

Mobile Payments are secure and simple to use with all of the benefits of your Oklahoma Federal Credit Union debit and credit cards. Making payments is safe when you use Mobile Pay thanks to tokenization; the industry standard for secure payments. When you shop at a merchant, Mobile Pay does not send your actual credit or debit number with your payment. Instead, it uses a virtual account number to represent your account information - so your card stays safe. The “token” is encrypted and eliminates the need for the merchant to ever have your actual card data. Call and let us help you get your device set up at (405) 524-6467.

What is Apple Pay?Apple Pay will change how you pay with breakthrough contactless payment technology and unique security features built right into your Apple™ device allowing you to make purchases with your iPhone® 6 or later by holding your phone near a contactless reader. You can also use your iPad Air™ and iPad Mini™ 3 or later to pay within certain apps.

Android Pay is Here!As an Android™ user, you can now pay with your phone at more than 1 million stores across the U.S. Android Pay™ is a new mobile payment solution that offers OKFCU credit and debit card holders additional options, security and simplicity when paying for things every day.

Samsung Pay is Here!Introducing another great way to pay. Samsung Pay is currently accepted at more places than any other mobile wallet service. Using magnetic secure transmission (MST) and near field communication (NFC), Samsung Pay works virtually anywhere you can swipe or tap your card. It’s secure, easy to set up and simple to use with your supported Galaxy device.

What’s New at OKFCU!

Pay With One Touch

DocuSignSign your loan documents anywhere, anytime, on any device! OKFCU Members can now receive OKFCU Loan Documents for signature via DocuSign. Signers open an envelope, authenticate, provide information requested and electronically or digitally sign the documents. Signers can also view and manage signed envelopes within their DocuSign account.

Is it safe? When documents contain highly sensitive information, you can’t afford to take risks. Protecting your data is OKFCU and DocuSign’s top priority. DocuSign meets the industry’s rigorous security certification standards and operations. DocuSign’s comprehensive approach ensures the security, privacy, compliance, and enforceability of your DocuSign transactions. OKFCU will let you know when we are sending you loan documents to be signed and what to expect when you receive the e-mail. This is a great new service for our busy members that do not have time to come by the branch to sign loan documents, ask your loan officer about it today!

Main Branch517 NE 36th StOklahoma City, OK 73105Ph: 405.524.6467F: 405.524.1067Hours: 7:45 a.m. - 4:30 p.m.Monday - Friday

Midwest City Branch2828 Parklawn Dr., Suite 12Midwest City, OK 73110Ph: 405.732.5554F: 405.732.3430Hours: 7:45 a.m. - 4:30 p.m.Monday - Friday

Dell Branch (restricted access)3501 SW 15th St., Bldg AOklahoma City, OK 73108Ph: 405.601.4393F: 405.601.4165Hours: 7:45 a.m. - 1:45 p.m.Monday - Friday

Midwest City232-B S. Air DepotPh: 405.732.4848

MooreMalibu Shopping Center828 NW 12th StPh: 405.790.0242

Norman710 W Main, Suite 130Ph: 405.364.3133

North OKC10491 N May AvePh: 405.755.2045

Tulsa6105 A S. MingoPh: 918.250.7998

Yukon1300 W. Vandament, Suite 101Ph: 405.350.1784

Hours7:00 a.m. - 7 p.m., M-F9:00 a.m. - 4:30 p.m., Sat1:00 - 4:30 p.m., Sun

For more service centers, go to www.cuservicecenter.com.

Branch Locations Service CentersIf you think your statement or receipt is wrong or if you need more information about a transfer, call us at (405) 524-6467 or (800) 522-8510, or write us at OKFCU, 517 N.E. 36th St., Oklahoma City, OK 73105 immediately. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem or error appeared. We will need the following: (1) Your name and account number. (2) The error or transfer you are unsure about. Please explain it as clearly as you can. (3) The amount of the suspected error. If you tell us orally, we may require you to send us your question or complaint in writing within ten (10) business days. If the problem or error involves an electronic fund transfer or transaction that was not initiated in the United States, the District of Columbia, the Commonwealth of Puerto Rico or any territory or possession of the U.S. other than any such transaction that represents a Debit Program Transaction, we will give you the results of our investigation within twenty (20) business days from when we heard from you and will correct the error promptly. If we need more time, however, we may take up to ninety (90) calendar days to investigate your complaint or question. If we decide to do this, we will re-credit your account within ten (10) business days for the amount you think is in error and you will have use of the money while we complete our investigation. If we ask you to put your complaint in writing and do not receive it within ten (10) business days, we will not re-credit your account. We will tell you the results within three (3) business days after the completion of our investigation. If we decide that there was no error, we will send you a written explanation.

www.okfcu.com

Annual Disclosure Notice