Welcome to Elements Financial

WELCOME •

TO ELEMENTS FINANCIAL Pilots

A N I U H E A LT H C R E D I T U N I O N PA R T N E R

WE’RE AN IU HEALTH CREDIT UNION PARTNER WE HAVE A RICH HISTORY AND A FOCUS ON THE FUTURE

YEARS SERVING OUR MEMBERS • Pilots SINCE WE WERE FOUNDED BY ELI LILLY AND COMPANY IN 1930

ORGANIZATIONS PARTNER WITH US

ONSITE FINANCIAL WELLNESS EVENTS

TO OFFER CREDIT UNION MEMBERSHIP AND EMPLOYEE BENEFITS

AT OUR PARTNER ORGANIZATIONS, INCLUDING IU HEALTH, EACH YEAR

PROFESSIONAL MORTGAGE PROGRAM Special Offer Exclusive To:

Details:

Practicing Professionals in Indiana only:

Financing is available with no down payment up to conforming limit; 5% down from conforming limit to $1 million; 10% down from $1 million to $1.25 million; and 15% down from $1.25 million to $1.5 million maximum.

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Physicians* Physician Assistants Pharmacists Dentists Nurse Practitioners Nurse Anesthetists Optometrists Veterinarians Attorneys Pilots

Available in Fixed and Adjustable Rate Mortgage terms.

Find the right loan, or the f right home

*Includes residents, interns, and fellows.

A Good Option If: You work in a qualifying profession or will start within 90 days of closing.

You do not have large savings for a down payment but want to avoid private mortgage insurance (PMI).

ADDITIONAL SPECIAL OFFERS

2.00

% APY

1

with Elements

•

Pilots

2.90

%

APY 2

with Elements

High Interest Checking

High Yield Savings

On Balances Up to $20,000

On Balances of $250,000 and Greater

See disclosures for further details.

See disclosures for further details.

elements.org/HighInterest

elements.org/HighYield

1) High Interest Checking Account pays dividends using blended rate tiers meaning the stated dividend rate will be paid on the portion of the balance for each tier. The Annual Percentage Yield (APY) for Tier 1 is 2.00% on balances up to $20,000.00 and the **Tier 2 APY ranges from 2.00% to 0.86% on balances from $20,000.01 to $50,000.00. To earn Tier 1 or Tier 2 dividend rates, 15 qualifying transactions must post per statement cycle on the account. The statement cycle includes all transactions posted after the last business day of the prior month through the last business day of the current month. Accounts not meeting the qualifying transaction threshold will earn 0.05% APY. Rates accurate as of July 1, 2026. All rates are variable and may change without notice at any time. Only the following are qualifying transactions: Debit card purchases, checks, bill payments, ATM withdrawals and ACH withdrawals. No other transactions qualify. At least one account holder must be at least 18 years old. Fees may reduce earnings. 2) High Yield Savings Annual Percentage Yield (APY) accurate as of July 1, 2026. High Yield Savings is a tiered savings account paying a variable dividend rate, that may change at any time, on the entire balance in your account based on the rate for the tier corresponding to each day’s daily balance. The account is available for new money only which are funds not on deposit at Elements for 90 days prior to opening the High Yield Savings account. Existing Elements members with savings accounts must deposit $25,000.00 or more of new money within 10 days of opening the High Yield Savings account. Existing Elements members with savings accounts with combined daily balances of $2,500.00 or less for the 90 days prior to account opening are excluded from the new money requirement. Additional information for each tier: An APY of 0.10% applies to accounts with balances from $0.01 to $99.99. An APY of 0.10% applies to accounts with balances from $100.00 to $2,499.99. An APY of 0.25% applies to accounts with balances from $2,500.00 to $9,999.99. An APY of 2.00% applies to accounts with balances from $10,000.00 to $24,999.99. An APY of 2.25% applies to accounts with balances from $25,000.00 to $49,999.99. An APY of 2.55% applies to accounts with balances from $50,000.00 to $99,999.99. An APY of 2.80% applies to accounts with balances from $100,000.00 to $249,999.99. An APY of 2.90% applies to accounts with balances of $250,000.00 and above. At least one account holder must be 18 years of age. Other qualifications may apply. Offer may be discontinued at any time. Fees may reduce earnings.

Karla Chevrie

CONTACT US

AVP, Residential Lending Sales (317) 402-6227 kchevrie@elements.org elements.org/kchevrie NMLS# 404630

Eliza Claborn Senior Relationship Manager (317) 524-5051 eclaborn@elements.org

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Pilots

Dereck Stinson VP, Private Client Officer (317) 957-7514 dstinson@elements.org NMLS #434476

Federally Insured By NCUA Elements NMLS #410639