Welcome to Elements Financial

like a bank, only better.

Welcome To Elements Financial | Explore Your Credit Union

Welcome to Elements Financial!

If you haven’t gotten to know us yet, we are a diversified federal credit union known for its member value, convenient account access, digital services, and some of the industry’s best financial wellness education and advice. With assets of more than $2 billion, Elements provides products and services to more than 110,000 members in all 50 states and 50 countries. Our credit union was founded by Eli Lilly and Company in 1930 and now partners with more than 150 companies to provide better banking to our members.

We are wherever you are thanks to our 78,000 surcharge-free ATMs globally and 5,000 shared branch locations nationally. In Indiana alone, Elements offers 2,000 surcharge-free ATMs through its partner networks and 250 of the shared branch locations for maximum convenience. Plus, we’re always here for you with online and mobile banking services and a contact center open twenty-four hours a day.

Since you’re now an Elements member, you’ll enjoy a comprehensive suite of value-driven products and services available to fit all of your financial needs. Explore this Welcome Kit to review our current special offers and contact our team dedicated to assisting new members at elements.org or (800) 621-2105 to discuss what options are best for you. We know you may have questions, so don’t hesistate to reach out to us at any time.

We are delighted to welcome you to Elements!

Lisa Schlehuber | Chief Executive Officer

Better Rates.

Fewer Fees.

Trusted Advice.

Fresh Approach.

Elements offers higher deposit rates, lower loan rates and fewer fees than a bank, thanks to our not-for-profit credit union status. We return earnings to our members rather than shareholders.

Our experts broadcast throughout the year with practical advice on dozens of trending financial topics, plus we offer an online library of guidance for you and your money.

Respected Locally.

Accessed Globally.

High Tech.

Human Touch.

You’ll enjoy access to more branches and surcharge-free ATMs than our larger banking competitors thanks to our shared network around the globe.

We pride ourselves on offering modern technology, while always offering personalized service ’round the clock to best serve you.

Make More From Your Money with High Interest Checking Earn dividends as high as

2.00% APY on balances up to $20,0001

You’ll enjoy unlimited transactions, no monthly service fee when enrolled in electronic statements, no minimum balance and a Visa® debit card with security chip.

1) High Interest Checking Account Annual Percentage Yield (APY) effective as of April 1, 2021, is variable and may change after account is opened without notice.

The APY is 2.00% on balance up to $20,000 and 0.10% on balance greater than $20,000 on account(s) with 15 qualifying transactions per statement cycle. Only the following are qualifying transactions: Debit card purchases, checks, bill payments, ATM withdrawals and ACH withdrawals. No other transactions qualify. Dividends will be paid per statement cycle requirement. At least one account holder must be at least 18 years old. Accounts not meeting the qualifying transaction threshold will earn 0.05% APY. Fees may reduce earnings. See Truth in Savings Disclosures for details.

Earn The Rewards You Want with a Credit Card from Elements Visa Signature Rewards

ELEMENTS FINANCIAL MEMBER

SIGNATURE SIGN NATU URE

Signature Rewards Visa Credit Card

Earn a

200

$

Cash Bonus

just by using your card3

®

Earn 1.5% cash back and rewards for your everyday purchases and enjoy no international transaction fees, no balance transfer fees and no annual fee.2

Support Your Hometown Teams!

2) Signature Rewards Visa Credit Card Transaction Fees — Credit Card Balance Transfer: None. Credit Card Cash Advance: Up to 3% for each Cash Advance or a minimum of $5.00. 3) Credit Card Related $200 Cash Bonus Value Offer — requiring at least 10 card purchase transactions totaling at least net $1,000 within 90 days of card approval — will be fulfilled as a one-time $200 statement credit. Statement credit will not reduce your monthly payment. If the account is closed within six months, we reserve the right to add the amount of the statement credit back to your account balance at that time. Secured Credit Card excluded. Existing or previous Elements credit cardholders not eligible. / Offer subject to credit approval and may be taxable. Elements reserves the right to amend or discontinue offers at any time. Additional terms and conditions may apply.

Please allow 4-6 weeks after qualifications are met for receipt of a statement credit. Product offers cannot be combined with other promotional offers for the same product. One offer per household.

Get On The Road

with an Auto Loan from Elements We’re here for you whether you’re looking to buy or refi. > Finance up to 120% of your car’svalue including tax & license > Good toward new or used vehicle purchases > Quick closings, typically in one business day

Get Up To

500

$

Cash Bonus

when you buy or refinance4 with promo code AUTO500

4) Auto Loan Related Maximum $500 Cash Back Offer — requiring closing of auto loan with automated payments from an Elements Checking Account set up at closing, commencement of automated payments, and submission of applicable promo code at application — is calculated as 1% of the total loan amount with a maximum of $500.00 onetime bonus dividend deposit into the Elements Checking Account used for the automated payment. If automated payments from the Elements Checking Account are discontinued, we reserve the right to deduct the bonus from the checking account balance at that time. Elements Financial refinances and third-party auto loan transactions are not eligible. / Offer subject to credit approval and may be taxable. Elements reserves the right to amend or discontinue offers at any time. Additional terms and conditions may apply. Please allow 4-6 weeks after qualifications are met for receipt of the bonus. Product offers cannot be combined with other promotional offers for the same product. One offer per household.

Put Your Home’s Value to Work with a Home Equity Line of Credit

Enjoy having access to funds for anything, anytime. > Access as much or as little as you need whenever you need it — up to the credit limit established at closing > Most closings in two weeks or less with no closing fees

Introductory rate of

0.99% APR for 6 months then as low as 3.75% variable APR5

5) Each individual’s Annual Percentage Rate (APR) is determined by the applicant’s credit history. Not all applicants will qualify for the displayed lowest rates.

The term is 25 years, consisting of a 10-year draw period with interest-only payments followed by a 15-year repayment period with principal plus interest, which may increase your monthly payments. The Introductory Annual Percentage Rate (APR) of 0.99% is for new Home Equity Lines of Credit only and is for the first six months. To receive the Introductory rate, a draw of at least $10,000 must be made within 30 days of account opening. After the introductory rate expires, balances will be charged at the variable APR based upon the Prime rate as published in The Wall Street Journal plus a margin. The APR will never be lower than 3.75% or higher than 18%. Rates vary depending upon credit history, combined loan-to-value (CLTV), and occupancy. The stated rate, correct as of April 1, 2021, applies to borrowers with credit scores of 730 or greater, CLTV 80% or less, and owner-occupied single-family residences. Elements Financial will pay flood determination fee, title search, and simple valuation. You may be required to pay other costs such as recording fees, taxes, and when required, appraisal fees. These costs vary by state and property type. Elements Financial reserves the right to modify or end this offer at any time. Additional terms and conditions may apply. Subject to credit approval. Elements Financial Membership Required.

FEATURED RESOURCES

Guidance for You & Your Money We keep up on the latest money trends and innovations, so we can continually share timely tips with you. Because knowledge is power — and it’s no different when it comes to your personal finances. Explore dozens of trending topics at elements.org/Advice.

Banking at Your Fingertips

Elements Is Here For You! Find Elements Online elements.org Facebook | ElementsFinancial Instagram | @elementsfinancial 24-Hour Contact Center (800) 621-2105 Farm Bureau Building Branch 225 S East Street, Suite 140 Indianapolis, IN 46202

Our goal with online banking is simple: to provide you with a state-of-the-art digital banking experience that you can count on and is consistent across all devices. We also want it to be easy to use. Register today at elements.org/Online.

Enclosed in this Welcome Kit are several important account documents that explain the terms and conditions, fees, privacy policy, and other agreements we have in place with our members. If you have questions once you have reviewed them, please contact us.

Federally Insured By NCUA