Elements Private Client

HELLO! WELCOME TO PRIVATE CLIENT

INTRODUCING

YOUR PRIVATE CLIENT EXPERIENCE Your wealth and well-being require time, care, and attention.

That’s why Private Client Services at Elements Financial assigns you a private client representative who handles your personal financial affairs. We know you need more time to dedicate to the things you enjoy most. Freeing up that time is exactly what we do for you.

Elements uniquely combines the superior service of a credit union with resources and products comparable to a much larger institution. We offer concierge-level service beyond regular business hours. Private Clients receive personalized solutions based upon our knowledge of your assets, goals, and unique situation.

BETTER RATES

FOR YOUR CHECKING Get more from your money.

HIGH INTEREST CHECKING ACCOUNT • Unlimited transactions and first 40 checks free • No maintenance service charge when enrolled in electronic statements and no minimum balance • Visa® debit card with convenience of paying at retailers with a tap, a swipe, or a chip • Check deposits from your mobile app • Free access to your credit score

SAVE FOR WHAT MATTERS Make your money work for you.

PRIVATE CLIENT HIGH YIELD SAVINGS This special product, only offered to our Private Client members, provides greater flexibility with paper statements mailed quarterly and no minimum number of transactions.

CERTIFICATES Give your savings a boost when you purchase certificates from Elements. Enjoy a dividend rate that doesn't change during the term of the account, giving yourself the ability to estimate your earnings over time. Choose a term from 6 months to 5 years and enjoy no fees when you hold your account to maturity.

TRADITIONAL & ROTH IRAS Save for retirement at any age in a tax-advantaged way. Choose between tax-deductible contributions (Traditional) or tax-free withdrawals (Roth), and contribute up to $7,000 per tax year.

REWARD YOURSELF

FOR YOUR PURCHASES Signature Rewards Visa® Credit Card

• Earn 1.5% in rewards, including cash back, for your purchases1 • No annual fee and no international transaction fee2 • Convenience of paying at retailers with a tap, a swipe, or a chip • Access to complimentary Visa® Signature Concierge Service, deals, and offers

1) Signature Rewards Visa Credit Card Rewards — You earn 1.50 points for every dollar you spend on eligible purchases. This resets at the end of each calendar year. Statement Credits and Deposits to Elements Accounts can be redeemed for as low as $50 (5,000 point equivalent).

Gift Cards can be redeemed for as low as $25 (2,500 point equivalent). Redemption for Travel is also available. Transactions that do not earn Pure Perks points include PIN-based transactions, cash advances, balance consolidation checks, money order/wires, gaming chips. Visit the rewards portal page for details. 2) Signature Rewards Visa Credit Card Transaction Fees — Credit Card Balance Transfer: 4% on each Balance Transfer. Credit Card Cash Advance: Up to 3% for each Cash Advance or a minimum of $5.00.

THE RIGHT LOAN FOR YOUR HOME Upsize, downsize, or refinance your mortgage.

We provide personalized guidance to make the homebuying process seamless. Your Private Client Officer will partner with your Mortgage Loan Originator to provide a collaborative and streamlined experience for you. Our locally based processing and underwriting teams work under the same roof. We offer the ability to finance a home in all 50 states.

POPULAR MORTGAGE PROGRAMS • Traditional Fixed-Rate and Adjustable-Rate Options • Jumbo Mortgages • Bridge/Swing Loans • Land/Lot Loans • Construction Loans • Home Improvement Loans

PUT YOUR VALUE TO WORK Use your equity to your advantage.

HOME EQUITY LINE OF CREDIT Use it for home improvements, new cars, tuition, vacations or just for a safety net. You’ll have access to as much or as little as you need whenever you need it — up to the credit limit established at closing.

• Access up to 95% of the equity in your home • Enjoy interest-only payments for up to 10 years

HOME EQUITY LOANS Borrow funds using your home as collateral. You’ll receive the money you need up front in a lump sum single payout.

• Lock in a fixed rate for the loan term with a fixed monthly payment • Never worry about the possibility of rising interest rates • 10-year and 15-year loan options

LET’S GET GOING Enjoy products that keep you on the move.

AUTO LOANS Explore options for new and used vehicles.

• Closings typically in as quick as one business day • Flexible terms to fit your budget • Auto loan refinancing available

BOAT LOANS Your weekends could get a lot more fun.

• Good toward new and used sailboats, motorboats, and yachts • Finance up to 90% of your boat’s value with flexible terms • Boat loan refinancing available

RV LOANS Perfect for when the open road is calling.

• Good toward all classes of motorhomes, travel trailers, large fifth wheels, pop-up campers, and truck campers • Finance up to 90% of your RV’s value with flexible terms • RV loan refinancing available

LET’S GET DOWN TO BUSINESS Explore our commercial services.

We work with you to provide the specific solutions your business requires. Elements offers competitive fixed and variable rate options for our loans.

COMMERCIAL LOANS • Commercial Term Loan • Commercial Real Estate • Business Line of Credit

PRODUCTS & SERVICES • Business Checking • Business Premium Money Market Savings • Treasury Management Services • Business Visa® Credit Cards

ELEMENTS WEALTH MANAGEMENT We help you pursue your dreams.

WHAT SERVICES DO YOU PROVIDE? Our team starts by looking at each client’s overall finances including savings for education, taxes, estate planning, and retirement contributions.

Then they work to craft a personalized plan that leads each individual, couple, or family toward their goals.

WHO BENEFITS FROM YOUR SERVICES? Whether you’re getting started or you’re a seasoned investor, we’ve got the tools to a support you on your journey. We don’t have account minimums, so our advisors are here to support all investors.

WHERE ARE YOU LOCATED? Our LPL Financial Advisors operate from Indianapolis and Lafayette, Indiana, and they serve clients nationwide. We’d love to chat, no matter where you call home.

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker/dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Elements Financial Federal Credit Union and Elements Wealth Management are not registered as a broker/dealer or investment advisor. Registered representatives of LPL offer products and services using the name Elements Wealth Management and may also be employees of Elements Financial Federal Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from and not affiliates of Elements Financial Federal Credit Union or Elements Wealth Management. Securities and insurance offered through LPL or its affiliates are:

Not Insured By NCUA or Any Other Government Agency

Not Credit Union Guaranteed

Not Credit Union Deposits or Obligations

May Lose Value

Elements Financial Federal Credit Union (“Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for brokerage or advisory services.

Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html or scan the QR code for more detailed information.

PRIVATE CLIENT FEDERALLY INSURED BY NCUA