HOLIDAYS/EVENTS

Wednesday, January 1, 2020New Year’s Day

Monday, January 20, 2020Birthday of Martin Luther King, Jr.

Monday, February 17, 2020 Washington’s Birthday

REMINDEROur branch opens at 12:30 p.m. on the 4th Wednesday of every month.

To maintain our high servicestandards, we have staff trainingon the fourth Wednesday of every month. Please remember the opening time on these days is 12:30 p.m.

BRANCH10903 New Hampshire Ave.Building 2Silver Spring, MD 20993Hours: M-F 9 a.m. – 3 p.m.

MAILING ADDRESS11233 Lockwood Drive, Silver Spring, MD 20901

1ST QUARTER 2020

Board of Director ElectionsNominees for the Board of Directors and Nomination by Petition

Nothing exemplifies the credit union industry motto “People helping People” more than the members of our Board of Directors. Each year, Credit Union members elect volunteers from among the membership to serve. At the core of Credit Union decision-making, members of the Board have real impact on all major changes at FedFinancial. Our nature as a not-for-profit, member-owned cooperative leads to this voting structure, unlike banks which pay directors to benefit stockholders.

Nominations for positions on the Board of Directors may be attained in two ways:

1. By a Nominating Committee approved by the Board of Directors2. By authorized petition submitted by an interested member

Serving on this year's Nominating Committee are Christopher Cole, Yvonne Hefley and Janet Yellin. Ms. Yellin was named as the Chairperson of the Committee. The Committee has nominated Russell Abbott and Michael Dreis to fill the two current openings on FedFinancial's Board of Directors. Mr. Abbott and Dr. Dreis are current Directors and have volunteered to serve the Credit Union for many years. If you would also like to be considered for service on the Board, you may submit a nomination petition signed by 44 members of the Credit Union, a number representing one percent of the Credit Union's membership as of September 30, 2019. The petition must be submitted to the Secretary of the Credit Union by March 19, 2020. It should be accompanied by a certificate from the nominee declaring they will serve if elected, and a brief statement of qualifications and biographical data. The names of all persons nominated by the petition process and the Nominating Committee will be posted in the Credit Union by March 24, 2020. If nominees exist other than the two put forth by the Nominating Committee, an election will be held to determine who will fill the two vacancies on the Board of Directors. Should no other nominees be put forward, the candidates submitted by the Nominating Committee will be declared elected by consent at the Annual Membership Meeting on April 28, 2020.

AdvantagesLOAN SALE Borrow up to $25,000 at 5.15% APR* with a FedFinancial Personal LoanIf you are looking to make that special purchase, but you currently do not have the cash, or if you want to consolidate your holiday expenses, FedFinancial is here to help. We will lend you up to $25,000 at a special sales rate so you can afford the item on your wish list and you can pay us back over 60 months so your monthly payments will not put a damper on your cash flow. Start the new year out with a bang with the help of your friends at FedFinancial. To apply, visit www.fedfinancial.org or call 301-881-5626 or send an email to loans@fedfinancial.org.

*APR is Annual Percentage Rate. Rates and borrowing limits are subject to change and may

vary based on your credit score and other factors.

6.155.15

OLD

NEW

Why is she so Happy?

Borrow Up to $200,000 at this Great Rate:

Apply online at www.fedfinancial.org or call us at (301) 881-5626.

For more information, please email us at loans@fedfinancial.org.

*APR is Annual Percentage Rate. Rates and borrowing limits may vary based on your credit score, home value and other underwriting criteria. HELOC rates are variable based on WSJ Prime with a maximum of 18% APR. Typical closing costs are $800 - $3,200 depending on the loan amount and property location.

4.24% APR*

She just saw the LOW RATE onour Home Equity Line of Credit

ManagementJon Rhodes, CEOKen deMello, CFOJames Johnson, COO

Supervisory CommitteeDon Demers, ChairMatthew AmannBarbara CarryJoAnn Crowder

Board of DirectorsRussell Abbott, Chair Christopher Cole, Vice Chair Michael Dreis, TreasurerKenneth Harris, Secretary JoAnn CrowderYvonne HefleyJanet Yellin

FedFinancial.org

Come Join Us

Employee Spotlight - Irish Dizon-BakerThis quarter we are highlighting our Director of Operations, Irish Dizon-Baker. She has worked at the Credit Union since 2007. She started as a part-time teller and worked her way up to her current position. Prior to joining the banking industry, Irish worked as a loss prevention officer for a large retail company.

When she isn’t busy working or taking care of her 6-year old daughter, Irish likes to tackle small wood working projects around the house. She loves decorating and is addicted to shows such as: Fixer Upper, Love it or List it and Flip or Flop. Irish also enjoys going to the gym with her husband, Mike, who is an 18-year veteran of the Police Department for the District of Columbia. Interestingly, Irish met her husband while working as a teller in a Credit Union branch in 2007.

Irish is a graduate of University of Maryland University College, where she received her Bachelor of Science in Business Administration. She also just became a Certified Financial Counselor.