Financial Tips, Trends & Solutions Solutions

Inside This Issue

Page 2 Get a Low Paymenton Home Loans

We LOVE To MakeCar Loans!

Page 3Is A Rollover RightFor You?

Save up to $15 on TurboTax

Page 4Consolidate Credit Cards and Save!

Annual Meeting &Board Elections

Holidays/Events

Annual MeetingTuesday, April 22

We Will Be Closed:

Memorial DayMonday, May 26

Independence DayFriday, July 4

Spring 2014

Med Plaza Branch Ribbon Cutti ng Ceremony

From the Desk of the President

Dear Member-Owners, The Spring Season is upon us! We welcome the season of renewals after completing a strong first quar ter. With membership and assets at record highs, we have embarked on a significant investment

in our technology and physical infrastructure that includes a major renovation of the Credit Union’s administrative and support center. Our commitment to providing you, our member-owners, with first-rate, innovative products and services remains strong, and you will see real tangible benefits in the months ahead!

We LOVE Making Car LoansMembers love getting them too! The borrowing process is faster and easier than ever before. This is an excellent time to buy a car or refinance an existing loan. With our new faster funding process you are able to use electronic loan document signing. It’s easy. We also can help you find and buy the car with our free car-buying service. You can save money and time financing and buying your dream car.

Getting SmarterSpeaking of making things easy, following the success of our first smart branch in Orange, Calif., we’ve opened another smart branch in the Downey Gateway Center and will be upgrading our popular Huntington Beach Branch by midyear. Smart branches take a friendly high-touch approach to the high-tech experience. At a smart branch you’re greeted by a Financial Par tners service representative who can provide great advice, offer better savings/loan rates, and the best time-saving services available anywhere!

Identity Theft: Protecting YourselfIt’s all over the news. Identity theft affects millions of people every year. It’s frightening to think that someone could apply for a job,

open a credit card account, take out a loan or even commit a crime – in your name. As your financial par tner, we can help. In addition to information on our website, we are pleased to offer ID Care, a protection package you can add directly to your checking account for just $3 a month. Add this great benefit today. Call us at 800.950.7328 or come in to a branch to sign up.

Tax Season is HereReviewing your annual finances affords an opportunity to take a look at your entire financial picture and to project your future financial needs. Our experienced financial experts can provide valuable advice that may affect your retirement savings significantly. To arrange for a complimentary consultation, call a Financial Consultant listed under Investments at www.fpcu.org.

Reliving the DreamWe’re seeing homeowners breathe easier now that the unemployment picture is improving and home values continue their steady upward tick. If you are a homeowner, chances are your home equity has gone up. Now is a good time to explore a Financial Par tners Home Equity Line of Credit. Our HELOC has many advantages to help finance a variety of needs. To find out more, call our Loan Servicing Department at 800.950.7328, visit a branch, or apply online at www.fpcu.org. (Also, see pg. 3)

On behalf of your Financial Par tners team, thank you for your membership and continued support. We are more than ever committed to the vision of “building lifetime financial par tnerships” with you, our member-owners!

Nader MoghaddamPresident/CEO

Save on Home Loans!

Looking for Low Payments?Rates are as low as 2.750% interest/3.686% APR*

Whether you’re buying or refi nancing a home, Financial Partners has rates that will yield low payments.

For easy fi nancing, take advantage of our simple online mortgage application. We actually have services to help you through the entire home buying process too.

The HOMEAdvantage ProgramThis easy-to-use online program puts all the real estate tools you could ever want or need under one roof! You can search for home listings, fi nd a Realtor, earn a rebate, get listing alerts and get answers to your home buying questions. Visit www.fpcu.org/homeadvantage for information.

FHA and Conventional loans offered. Loans available nationwide. Ask for details!

Apply online today or call 800.950.7328 and ask our knowledgeable Mortgage Loan Consultants about the home loan solution that’s right for you. We’re eager to help with your home buying and home loan needs!

*APR=Annual Percentage Rate. 1.74% APR sample: $15,000 new purchase with 20% down, resulting in a $12,000 loan with 36 monthly payments of $342.37. Includes pricing discounts of 0.50% (0.25% for a maximum loan-to-value of 80%; 0.25% for automatic payment withdrawal from an FPCU checking or savings account). Sample rate requires minimum credit score of 700. Rates effective 3/1/14 and subject to change without notice. Conditions, restrictions, and terms may apply. ^Available on auto loans opened between 4/1/14 and 6/30/14. Finance charges will continue to accrue at the rate provided in your FPCU loan agreement during the payment-deferral period. Offer not valid for loans currently with FPCU or refi nancing current FPCU loans.

We LOVE to Make Car Loans! As low as 1.74% APR!*

And to make life even easier ... NO PAYMENTS FOR 60 DAYS!!^

If you’re thinking of making a car purchase this spring, you can breathe a sigh of relief. Financial Partners has low car loan rates with no payments for 60 days!

We have car buying services to help you save even more and make your car purchase a breeze!

Visit the Car Buying Service page at www.fpcu.org.

Get preapproved before you shop! Call 800.950.7328 or apply online. We’d LOVE to make a car loan for you!

* APR=Annual Percentage Rate. Rate fi xed for initial 5 year period, then becomes adjustable and may increase or decrease once every 5 years. Maximum rate adjustment of 2% per fi ve years and 5% over the life of the loan. Index: 5-year CMT; Margin: 2.50%. Payment example: 5/5 ARM at $350,000 mortgage for years 1-5 at a rate of 2.750% (3.686% APR) resulting in 60 monthly payments of $1,428.84; then for years 6-30, 300 payments of $1,660.66 based on an estimated rate of 4.150% (4.209% APR). Rate may increase or decrease subject to market conditions. Rates effective 3/5/14. Does not include taxes and insurance. Rate/APR, terms and condition are all subject to change without notice. Available in all states except AL, CT, HI, ID, MA, NM, NY and VT.

Financial Consultants are registered with and securities offered through LPL Financial, member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affi liates. Financial Partners Credit Union and Financial Partners Investment Services are not registered broker/dealers and are not affi liated with LPL Financial.

Not NCUA Insured No Credit Union Guarantee May Lose ValueNot NCUA Insured No Credit Union Guarantee May Lose ValueNot NCUA Insured No Credit Union Guarantee May Lose Value

Beat the tax deadline – and save!The tax deadline is fast approaching! This year, trust yourself to do your own taxes. With TurboTax®, you can be confi dent they’ll be done right. Plus, Financial Partners members can save up to $15 on TurboTax federal products. Don’t wait – get started now!

Click on the TurboTax link at www.fpcu.org/turbotax.

© 2013-2014 Intuit Inc. All rights reserved. State filing charges apply. Limited time offer for TurboTax 2013. Terms, conditions, features, availability, pricing, fees, service and support options subject to change without notice. Intuit, TurboTax and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries. Other parties’ trademarks or service marks are the property of their respective owners.

Investment Services

Connect with us for a COMPLIMENTARY financial review. Consultants at Financial Partners Investment Services are ready to assist you. Make an appointment and receive unbiased investment and retirement guidance.

We’re here to help!

Get started by scheduling a personal fi nancial review today.

Adam WassBeach Cities714.861.1682adamw@fpcu.orgCA Insurance License#0802260

Malcolm RoaneLA County562.904.4566mroane@fpcu.orgCA Insurance License#0C36172

Zoran LozoSan Fernando Valley818.595.8051zlozo@fpcu.orgCA Insurance License#0B92595

George T. AvilaOrange County714.978.5002gavila@fpcu.orgCA Insurance License#0C32760

Is A Rollover Right For You?

If you’ve recently changed jobs – or maybe changed jobs a few times over the years – you may be juggling multiple retirement plan accounts. While it’s certainly acceptable to leave your money in your former employer’s plan (as long as your balance is over $5,000, your old employer can’t cash you out), in many instances it might be a better idea to consolidate your assets.

Consolidation can help make administering and allocating your assets much simpler.̂ Having your entire retirement portfolio summarized on one statement makes it easier to track performance and make changes.

But before you initiate a rollover, be sure to compare the investment options and their associated fees in your old plan with those in your new plan.

Were you able to properly diversify your assets in your old plan?^ If your investment choices were limited, you probably want to move your old account into your new account.

Are the investment fees higher or lower than those in your current plan? If you were paying more at your old plan, it’s a good reason to move your assets to a plan with lower investment fees.

Are you satisfi ed with the investment choices and fees charged in your current plan? If you’re not happy with your current plan – and weren’t crazy about your old plan – you can always roll over your old plan assets into an IRA.

ACT NOW AND GET SOMETHING EXTRA! HOW ABOUT $100?Now through June 16, 2014, if you rollover a former employer plan or transfer an IRA with $25,000 or more into a Financial Partners Investment Services account you’ll receive a $100 gift card* as our way of saying “thank you.”

Stop by your nearest Financial Partners location or call 800.950.7328 to schedule an appointment today!

^Asset allocation and diversifi cation do not ensure a profi t or protect against a loss in a declining market.* Must be an IRA, 401K, 403b, 457, or TSA with an account opening value of $25,000 or more. Offer valid for clients who open a new retirement account through LPL Financial by June 16, 2014. Limit of one (1) $100 gift card per client. Void where prohibited. Gift card cannot be redeemable for cash (merchandise or services only) and is not contingent on sale of a specifi c product. Gift card given no later than 60 days after account is funded. Bonus is taxable and will be reported to the IRS. Any applicable taxes are the responsibility of the recipient. Securities offered through LPL Financial, Member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affi liates.

Net Worth . . . . . . . . . . . . . . . . . . . 9.52%

Total Assets . . . . . . . . . . . .$880 million

Total Loans . . . . . . . . . . . . . $597 million

Convenient AccessFinancial Partners Members have access to more ATMs and branches than almost any bank or other financial institution.

• 30,000 surcharge-free ATMs across the United States

• 5,500 surcharge-free ATMs in 7-Eleven stores across 30 states

• Over 5,000 branches and 2,000 self-service locations nationwide through a shared-branch network

• eBanking Online account access at www.fpcu.org

• FPCU Mobile Banking Download from your app store

• Bank-By-Phone 800.950.7328, press 1

Loan Rates

Financial Highlightsas of 2/28/14

Save on Credit Cards!

Annual Meeting and ElectionThe Annual Meeting of the Members of Financial Partners Credit Union will take place at 5 p.m. on Tuesday, April 22, 2014, at the credit union’s main offi ce, 7800 E. Imperial Highway, Downey, California, 90242.

At the meeting, three members of the Board of Directors and two members of the Supervisory Committee will be elected for three-year terms. Additionally, one member of the Board of Directors will be elected for a two-year term. The Nominating Committee has nominated the following individuals to fi ll these positions:

Board of Directors• Jack Shuler – three year term• Ralph Crowther – three year term• Yves Pinkowitz – three year term• Jeff Mathews – two year term

Consolidate to a Low Rate!0% APR on Balance Transfers!!0% APR on Purchases!!

If you’ve got high-rate cards from other lenders, we’ve got just the thing for you.When you consolidate those cards to a new Financial Par tners credit card you receive a 0% APR for 12 months!

Your savings can star t immediately. Simply transfer your balances within 90 days of account opening and receive 0% APR for 12 months. New cards also receive 0% APR on purchases for 12 months!

Open a Platinum Rewards card and your points never expire!^APPLY NOW! Call 800.950.7328 or visit us at www.fpcu.org to begin saving!

*APR = Annual Percentage Rate. 0.00% APR valid on all purchases and balance transfers. Promotional rates apply to fi rst twelve (12) billing periods on new credit cards; balance transfers must be completed within 90 days of account opening. After promotion, APR of 10.99%-21.99% will apply. Offer applies to all credit card types and tiers (except Share Secured). Subject to credit approval. Rates are variable and may change. Balance transfer fee of 3% or $10 (whichever is greater) applies.^Rewards points never expire with at least one qualifi ed purchase every 12 months.

Supervisory Committee• Gary Macheel• Steve Koester

Credit CardsCall or visit us at fpcu.org for details and up-to-date credit card rates.

Call toll-free 800.950.7328 for current rates or visit us online at www.fpcu.org.

Home LoansAs low as 2.750% Rate/3.686% APR* * APR=Annual Percentage Rate. 5/5 ARM at $350,000 mortgage for years 1-5 at a rate of 2.750% (3.686% APR) resulting in 60 monthly payments of $1,428.84; then for years 6-30, 300 payments of $1,660.66 based on an estimated rate of 4.150% (4.209% APR). Rate may increase or decrease. Rates effective 3/5/14. See page 2 article for complete disclosure.

New and Used AutosAs low as 1.74% APR* Sample APR includes discounts of 0.50% (0.25% for auto-pay and 0.25% for an LTV of 80% or lower); based on $12,000 new car loan with 36 monthly payments of $342.37. Effective 3/1/2014 and subject to change.

*APR = Annual Percentage Rate.

Convenient ServicesApply For Any Loan24 hours a day, 7 days a weekwww.fpcu.org

CU Service Centers888.CU.Swirlwww.cuswirl.com

Mailing AddressPO Box 7005Downey, CA 90241-7005

Branch OfficesBrea2435 E. Imperial Hwy, Ste. FDowney - Main Office7800 E. Imperial HwyDowney Gateway8274 Firestone Blvd. Huntington Beach16468 Beach BlvdMed Plaza 424 S. Main St, Ste L, Orange, CAOrange 1409 W. Chapman Ave, Ste AWoodland Hills21757-A Erwin St

Express Services OfficesCall 800.950.7328 or visit www.fpcu.org for hours and access information.

Sponsor Locations:

DeSoto | Huntington Beach

Seal Beach | Newport Beach

For convenient credit union acess, scheduled visits are also made to other facilities. Visit www.fpcu,org for details, or call 800.950.7328.

Loan Payment AddressesMortgage Payments Financial Partners Credit UnionPO Box 7168, Pasadena, CA 91109-7168

Consumer Loan Payments Financial Partners Credit UnionPO Box 841943, Los Angeles, CA 90084-1943

Credit Card Payments Financial Partners Credit UnionPO Box 841943, Los Angeles, CA 90084-1943

800.950.7328 | www.fpcu.org