The Guide - Winter_Spring '20

WINTER/SPRING ’20

THE GUIDE A SEASONAL MAGAZINE FROM ELEMENTS FINANCIAL

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EDITORIAL STAFF Lisa Schlehuber Chief Executive Officer Ron Senci EVP, Lending & Sales Michelle Payne AVP, Branding & Communications Ross Graham AVP, Creative & Digital Experience Chris Miller Marketing Strategist Jake Engel Brand Strategist Karmen Johnson Communications Specialist Proudly Printed By Fineline Printing Group 2

Letter from a Leader RON SENCI

Executive Vice President, Lending & Sales

Hello and welcome back to our new magazine!

Here are a few highlights from this edition:

OUR 90TH BIRTHDAY!

Did you know Elements was founded by the management of Eli Lilly and Company in 1930? This was at the height of the Great Depression during a time when street lenders and loan sharks were targeting their employees.

All these decades later, we are still an employer-based credit union, empowering our members to achieve financial success. Watch future editions of The Guide and our social media channels to showcase our big birthday this year.

PROGRESS ON THE ELEMENTS FINANCIAL CLUB

It’s exciting to see the club carrying our credit union’s name coming together at Victory Field.

Opening Day for the Indianapolis Indians is April 9th when the brand-new Elements Financial Club will also open its doors to fans.

This partnership with the Indians is incredibly rewarding to our credit union because their organization understands the importance of community and family as we do here at Elements.

Please learn more about this milestone project on page 16.

FEATURED FAN MAIL

This time, we’re featuring Cheryle and Alexander Smith, a mother and son who are both members of Elements. Alexander had endured some financial difficulties, so his mother encouraged him to work with us as her financial institution of 30 years. Thankfully, he was able to get back on his feet and get the new truck he needed to get to and from work and to transport his children. It’s an inspiring story!

“OUT & ABOUT”

Please be sure to take a look at this new section. Elements is proud to support our Central Indiana community in many ways, including through sponsorship of special events for many causes that we know are also important to our partner organizations and individual members.

Lastly, allow me to say thank you for your loyalty to Elements. We wish you prosperity and financial success in 2020!

Many thanks for your business,

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Our Credit Union We asked our members via social media to share how we are “like a bank, only better.”

Here’s what they had to say:

ALL-OVER ACCESS

Elements is easy to do business with, even for members in other states. I live in Florida and have never stepped foot in an Elements branch, yet have always been able to easily conduct all of my financial business with them.

- Koren E.

IMPACTFUL RELATIONSHIPS

HELPING HOMEOWNERS

- Nicole W.

- Brandon S.

QUICK & CONVENIENT

ON-SITE AT WORK

- Heather S.

- Josh A.

Elements is large enough to supply the best rates and business support that I need, yet small enough that I feel like I am working with friends. Love my Elements because it is like a bank, only better!

I love that I can conveniently run to the ATM at work quickly between meetings if I need to. It’s simple and I don’t even need to waste time pulling out my card!

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The folks at Elements know us and our situation, and they successfully helped us prepare for owning a home. The banks we worked with before never put in the effort to get to know us and our needs.

Elements provides financial wellness events at my workplace and my checking account has a fantastic interest rate. These perks make Elements like a bank, only better.

Access Your Money 78,000+

surcharge-free ATMs globally, including 2,000 in Indiana

5,000+

shared branches nationwide, including 250 in Indiana

Want to move money from another institution?

You can make an External Transfer into your Elements account via online banking or by visiting a shared branch.

Snap a photo of a check with our mobile app.

You’ll have quick access to your funds and there’s no cost to you!

Contact Us Elements Headquarters: 225 South East Street, Suite 300 Indianapolis, IN 46202

Contact Center:

800-621-2105 customerservice@elements.org Routing Number: 274073834

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FAN MAIL

Back on the Road Two Generations of Loyalty to Elements

When life takes an unexpected turn, it’s often hard to get your financial journey back on track again.

Alexander Smith knew it was time to upgrade when his old vehicle’s mileage was creeping higher. As a father, reliable transportation for his children was important.

Unfortunately, his recent divorce had caused him some financial hardships that hurt his credit score, making it difficult for him to purchase a new vehicle at a time he really needed one. He was frustrated and needed help, so he turned to his mother for guidance.

Cheryle, Alexander’s mother, is an employee at Eli Lilly and Company in Downtown Indianapolis.

For the past 18 years she has worked for the company and has been a member of Elements.

Over the course of her membership, she and her family members have experienced many life milestones. Along the way, they have always turned to Elements for financial guidance.

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When her son asked her for help, Cheryle was conveniently able to walk down to the branch at her workplace. She met with financial wellness experts and shared her story, “Alexander is struggling. He doesn’t seem to be able to get the loan he needs for a truck. What can I do to support him?” They were then able to walk Cheryle through the steps necessary to support her son.

Together, they found a solution. Alexander got his finances back on the right track and was able to successfully upgrade to a newer truck that he’s loving! Traveling to and from work, transporting young children, and working on home improvement projects is now doable and convenient. He’s also able to start re-building his credit thanks to his ability to consistently pay on his monthly auto loan. It is a win-win for him.

At Elements, we pride ourselves on building relationships and bonds with our members. When you have financial challenges, Elements is here to help you surpass them and ultimately achieve your life goals.

WATCH THE FULL STORY

Scan the QR Code or visit elements.org/fanmail to hear more about Alexander’s auto buying experience.

EARN UP TO A

$500

CASH BONUS1

WHEN YOU BUY OR REFINANCE YOUR CAR WITH ELEMENTS Get on the road with new wheels and great rates.

We’ve got terms to fit your budget.

PROMO CODE: AUTO500

1) Auto Loan Related Maximum $500 Cash Bonus 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 and may be a taxable 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 amount of 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 bonus. Product offers cannot be combined with other promotional offers for the same product. One offer per household.

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Save Smarter Better Budgeting in 2020 CHARLES AKINBOLA

Elements Branch Manager at Lilly Technology Center

Setting goals for the New Year is easy.

The challenge is actually accomplishing them. If your New Year’s resolution is to save money, it is important to set goals that are SMART, to make them more realistic. The SMART method tells users to set their goals to be: Specific, Measurable, Achievable, Relevant, and Time-bound.

With any goal, if you set the bar too high, it’s easy to give up. But if you write down your goals and share them with others, you’re more likely to succeed. A great way to spend the first few months of 2020 is setting attainable financial goals and working to stay on track with them throughout the year. To help you get started, we’ve collected a few of our favorite savings tips from staff around Elements. How will you use these to reach your financial goals in 2020?

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DIRECT DEPOSIT

When you get paid, send a portion of your paycheck to a savings account immediately via direct deposit.

48 HOUR RULE

Before making any large or unusual purchases, wait two days to consider if it is necessary.

NO SPEND WEEKEND

Choose to do only free activities and eat food that you have already purchased for an entire weekend. Repeat this one weekend per month for the year.

REASSIGN BILL DUE DATES

Many companies will let you reassign the due dates of your bills in order to better align with when you are paid. Make paying your bills your first priority!

CARRY LARGE BILLS

When you have large bills, you’re less likely to buy things you don’t need. It is more difficult to break $50 or $100 bills than it is to spend small amounts of cash.

TAX REFUND

Plan ahead and commit to saving most of your tax refund in a dedicated account or emergency fund.

52 WEEK CHALLENGE

Tear this page out and give it a visible home. Cross off one amount each week and add that much cash to your dedicated savings account. After one year, you’ll have an extra $1,000 to use for emergency or holiday-related expenses!

$21

$6

$33

$51

$9

$17

$22

$3

$25

$20

$10

$34

$12

$40

$15 $21

$8

$0

$19

$5

$27

$22 $18

$31

$61 $20

$9

$19

$12 $16

$5

$29 $15 $19 $26

$7

$21

$4

$22 $18 $17 $20

$28

$6

$15

$35 $19 $22 $28

$19

$9

$10 9

Control Your Cash Flow

Explore our new Budgeting Tools

It’s now even easier to take control of your money.

The five budgeting tools in Elements online and mobile banking each offer a different lens to look at your finances.

Whether you want to better understand your spending habits, see how much debt you have left to pay, or create a budget - everything you need to see the complete picture of where your finances stand is within one simple view. Additionally, you can import other financial data, such as nonElements account balances from other banks and credit unions, to analyze your data in one central location. Plus, there are no extra apps to install since our budgeting tools are conveniently located within your online banking or mobile app from Elements.

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DIGITAL BUDGETING TOOLS Net Worth

Visualize your net worth over time. You can analyze all your assets or debts in one central location, which allows you to see your full financial picture.

Budget

A solid budget can be the key to better financial health. Your transactions are categorized automatically or you can adjust the them to fit your budget. Practical and easy to understand graphics help you see exactly how you spend.

Spending

This tool helps you take control of your monthly cash flow. Identify problem areas or what budget categories make up the most spending and learn important skills to ensure you’re getting the most from your hard earned money.

Trends

Get a full understanding of your spending patterns. Our tool makes it easy to follow patterns over 3, 6, 9, or 12 months. You’ll gain valuable insights about how and when you spend your money.

Debts

See your debt in one place and make a plan to pay it down. With the debts tool, add your debt information and it automatically calculates your fastest debt-free date and payment plan.

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Planning Ahead Three Ways Successful People Save RAYMOND MARK, CFP

®

LPL Financial Advisor at Elements Wealth Management

It’s not surprising that humans are creatures of habit. Stopping at Starbucks every morning? It’s a habit.

Binge-watching your favorite TV series every night?

That’s a habit, too. There are even people who get up at 5:00 AM to go to the gym every day. Research shows that as much as 45 percent of human behavior happens at a similar time and place, every day. Just like managing your daily routines and behaviors, to be a successful investor, managing your money has to become a daily habit. Successful people are strategic and often manage their money using these principles.

1. Saving is a top priority.

Paying yourself is an important part of any successful financial plan. When saving for milestones, such as education or retirement, it’s important to diversify where your money is placed. According to Business Insider, the best savers often put their money in both tax-advantaged and taxable retirement accounts. More than 50 percent of these savers has money in a 401(k), Traditional IRA, and a Roth IRA.

2. Saving works best with strategic goals.

Never underestimate the power of a goal. Whether or not the goal becomes reality often depends on whether the creator takes the time to write it down and share it with others. Successful people tend to create a good mix of short- and long-term goals. What is the main reason people don’t get what they want? They don’t know what they want.

3. Saving takes both patience and discipline.

Although sometimes being patient or disciplined isn’t our natural instinct, successful savers spend time practicing these traits. Those who are careful with their money are typically also careful with their time.

It is much easier to avoid the temptation of spending money if you stay away from situations that encourage you to make purchases contrary to your savings goals.

As you work toward successful money management strategies, consider seeking advice from a financial advisor. Contact Elements Wealth Management for a complimentary consultation at wealth@elements.org or (888) 425-0374.

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: 12

Not Insured By NCUA or Any Other Government Agency

Not Credit Union Guaranteed

Not Credit Union Deposits or Obligations

May Lose Value

750

EARN UP TO A

$

CASH BONUS1 from Elements Financial when you invest with Elements Wealth Management

Our Cash Bonus Program rewards you based upon your new net investment.

CASH BONUS1

NET INVESTMENT

$250

$100,000 - $249,999

$750

$500,000+

$500

$250,000 - $499,999

Get started at

elements.org/wealthbonus

1) Must keep funds invested for six months to receive bonus payout; bonus paid at that time. Bonus will be paid by Elements Financial to a separate non-investment account. Moving funds from another investment firm may be subject to a fee that neither Elements Financial nor Elements Wealth Management will reimburse. Elements Financial reserves the right to amend or discontinue offer at any time. Additional terms and conditions may apply. Bonus may be subject to taxes; please contact your tax advisor.

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 13

The Many Myths of a Mortgage JULIE BOWERING Vice President, Mortgage Lending

If you’re in the market for a new home, you may seek the advice of friends and family before you begin the process. When talking to others, it is important to know there are many myths that prevail about homebuying. Just because something is true for one person doesn’t mean it’s a fact. We are here to clear up a few of these common myths you might have heard.

MYTH #1: MAINTAINING A HOME IS EXPENSIVE It’s important to remember that owning a home is more than just making a monthly mortgage payment. It is also important to remember the difference between having to handle your own maintenance requests, while landlords typically handle these when renting. However, if you consider the costs and plan for unexpected expenses, paying for necessary maintenance is typically feasible. The age of the home can impact these costs. A new home built within the last five to ten years will need the 14

least amount of maintenance, while homes about 10 to 20 years old will need slightly more. Once a home turns 20 or 30 years old, it’s likely that major parts of the home, such as the roof, may need to be replaced.

As a homeowner, you should expect to pay between 1 and 4 percent of your property’s value on maintenance, repairs, and replacements of systems or appliances each year. If your home is valued at $150,000, then you should expect to spend between $1,500 and $6,000 each year on repairs. To protect yourself from major unexpected costs, purchasing a home warranty can be a beneficial option to consider. A home warranty is an annual service contract that covers the repair or replacement of important appliances and system components that may break down over time. If you choose to purchase a home warranty, often costing between $300 and $600 a year, maintaining your home becomes more manageable.

MYTH #2: THE FIRST STEP IS TO FIND THE HOME YOU WANT TO BUY Don’t go looking for a home before you know what you can afford. If you house hunt and find your dream home is $250,000, but you are only approved for a $150,000 mortgage, you will have wasted your time and energy. Plus, this can be a disappointing start to the homebuying process. The first step is always to consider your financial situation and work with a lender to get preapproved. Getting preapproved will help you set realistic expectations about what you can afford and stop you from falling in love with the wrong home for your lifestyle. Begin the preapproval process by comparing mortgage types and benefits at elements.org/mortgage.

MYTH #3: YOU ARE REQUIRED TO PUT AT LEAST 20 PERCENT DOWN Traditional mortgages typically have a set 30year fixed-rate with a 20 percent down payment.

Times have changed. Now, you have many options for the length, rate, and down payment of your mortgage loan. For example, our credit union offers a First-Time Homebuyer Program for those who have not owned a home in the past three years. Needing to put at least 20% down is in the past. If you are not a first-time homebuyer, Elements has options for fixed and adjustable rate mortgages, construction loans, and jumbo mortgages.

Now that we’ve busted some of the most common myths that surround the homebuying process, we hope you are feeling more confident about purchasing a new home! Elements is here to support you throughout the process. Contact one of our Mortgage Loan Originators or visit elements.org to begin working toward making your dream a reality.

THE BEST PLACE FOR A BEDTIME STORY IS YOUR DREAM HOME.

$500 EARN A

CASH BONUS1

WHEN YOU BUY OR REFINANCE YOUR HOME WITH ELEMENTS PROMO CODE: HOME500 1) Mortgage Related $500 Cash Bonus Offer — requiring closing of mortgage with automated payments from an Elements Checking Account set up at closing, commencement of automated payments, and submission of applicable promo code at application — may be a taxable 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 add the amount of the bonus to the account balance at that time. Elements Financial refinances 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 bonus. Product offers cannot be com15 bined with other promotional offers for the same product. One offer per household.

The Best Seats in the Ballpark

Elements Financial Club at Victory Field

The Elements Financial Club is Victory Field’s newest social VIP space, sure to offer a game day experience second to none! As of Opening Day on April 9th, you can enjoy Indianapolis from behind home plate overlooking a stunning view of downtown.

The Elements Financial Club will be where luxury meets baseball, featuring space for up to 400 guests and offering a broad mix of premium ticket options to include private loge boxes and open-table club tickets for groups, season plans, and single-game buyers. Guests will enjoy 4,500 square feet of temperature-controlled interior space with big screen TVs and a full-service bar in the shape of a home plate. The space will also feature a 37foot retractable glass wall system that opens up the indoor club lounge to the outer seats directly behind home plate.

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“The Indianapolis Indians are thrilled to expand our partnership with Elements by way of the Elements Financial Club.

This is the biggest improvement to our ballpark since opening more than 20 years ago.”

Joel Zawacki

Assistant General Manager, Corporate Sales & Marketing

Food stations and beer and wine will be included with your club ticket. Season plans are on sale now with single game tickets available at IndyIndians.com/Club as of late February. Be sure to enter our Four for the Fireworks Sweepstakes for your chance to win tickets to one of the most popular games of the year!

FOUR for the S

W

E

E

P

S

T A

K

E

S

WIN 4 VIP TICKETS

including seats and admittance to the Elements Financial Club at Victory Field on July 4, 2020

TEXT FIREWORKS TO 72727 or visit elements.org/fireworks to enter by June 1

Full Contest Details | elements.org/fourthrules

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FIGHTING FRAUD ANDREW CHALKO

Vice President, Accounting & Risk Management

At Elements, we value the trust you place in us to be your credit union partner for life. We make every effort to raise awareness of scams and fraud that can put you, your family, and friends at risk.

Recently, fraud by account takeovers has significantly increased across the financial services industry. Typically, this fraud occurs when consumers receive a text message, email or phone call from a fraudster posing as their bank or credit union. Oftentimes, the fraudsters will send a message asking the user to “confirm” fraud on their account. This can lead to the consumer calling and surrendering personal or account information like in the fraudulent example to the right. Sometimes, the fraudsters will additionally use clues from public social media posts or check-ins to make their claims sound even more legitimate.

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THE ABOVE IS AN EXAMPLE OF FRAUD. THIS IS NOT ELEMENTS’ PHONE NUMBER AND YOU WILL NEVER RECEIVE TEXTS LIKE THIS ABOUT YOUR ACCOUNT.

3 ESSENTIAL STEPS TO

PREVENT FRAUD DO NOT TRUST CALLER ID ALONE

Fraudsters can spoof phone numbers including the customer service lines for Elements, 800-621-2105 and 317-276-2105, to make it look like we’re calling you. If you receive what feels like a questionable call with our caller ID, hang up and call us back directly. You can always call us 24/7.

FREEZE YOUR CREDIT

ELEMENTS WILL NEVER CALL YOU ASKING FOR THIS INFORMATION: - Online Banking Passwords or User IDs - Member Number - Online Banking Secure Access Code or One-Time Passcode - Full 16 digits of your Debit or Credit Card number* - Social Security Number* - Personal Identification Number (PIN) for your Debit or Credit cards* We may ask you to verify the last four digits of these numbers. *

If you initiate a call to Elements, we may need this information to verify your identity.

A credit freeze keeps private data in your credit files from being accessed without your approval. Freezing your credit can help prevent fraudulent credit applications, even if a fraudster has information like your birthdate and Social Security number. Contact the three major credit bureaus — Equifax, Experian and TransUnion — individually to freeze your credit. You can easily unfreeze credit temporarily when you wish to apply for new credit. This is the most proactive defense against fraudsters.

MANAGE YOUR DEBIT CARD WITH CARD CONTROL

Control your debit card with Card Control.

You can create custom real-time alerts for your debit card transactions and even restrict your card if it is lost or stolen. Download the Card Control app within our Elements mobile app by selecting Card Control from the app menu or by visiting the Apple or Google Play store directly if you already have the Elements mobile banking app.

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Building Up the Butler Bulldogs ELEMENTS ANNOUNCES NEW CAMPUS INVOLVEMENT

Elements is happy to announce its continued support of Butler in new and exciting ways.

Recently our credit union made a capital gift to the Lacy School of Business building campaign and, as a result, received naming rights for the third floor graduate conference room within the new building. Further, we have established the Elements Financial College of Pharmacy and Health Sciences Endowed Scholarship Fund at Butler University.

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For the second year in a row, Elements is also sponsoring Butler Basketball this season. Look for us at the away game parties to be held at the new Upland Brewery in Fountain Square. We’ll be there to pass out free gifts, register fans for prizes, and answer all the questions you might have about the Butler credit card and our other products and services.

Through these new efforts paired with our on-campus services, ATMs, and educational workshops, we’re proud to serve as Butler’s Credit Union.

Go, Bulldogs!

Butler University Visa Rewards Credit Card

®

Perfect for Butler faculty, staff and alumni!

Get a $200 Cash Bonus just by using your card1 - Earn 1% Cash Back on eligible purchases2 - No International Transaction Fees3 - No Balance Transfer or Annual Fees3

Get started at elements.org/ButlerCard

1) 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 $200 statement credit. 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. Statement credit will not reduce your monthly payment. 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 statement credit. Product offers cannot be combined with other promotional offers for the same product. One offer per household. 2) You earn 1.00 points for every dollar you spend on eligible purchases. 3) Butler University 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.

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Making an Impact ELEMENTS SERVING THE INDIANAPOLIS COMMUNITY

Elements recently presented its 3rd annual Purpose Day in which nearly 180 employees had the chance to give back to the Indianapolis community. Elements has called the Circle City home since 1930.

Operations paused at headquarters and six branches to spend the day working on hands-on projects supporting local non-profit partners. Additionally, staff presented a surprise $1,000 donation to each of the partners.

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PURPOSE DAY PROJECTS Horizon House Served lunch to homeless & hosted complimentary credit reviews NeighborLink Scraped and repainted the home of a local senior citizen Outreach, Inc. Prepared meals and assembled birthday gifts for homeless youth Shepherd Community Center Worked on the interior and exterior of two local homes FACE Low-Cost Animal Clinic Performed landscaping and tasks benefiting adoptable pets Little Red Door Cancer Agency Assembled care packages and wrote cards for cancer patients

“

“

Spending time serving the community is always both impactful and enjoyable!

Working in a branch, it’s not often that I get to spend time with employees from headquarters or other locations, so volunteering with them is something that I look forward to.

GRACE NOLAN

Universal Member Support Specialist

Out About Elements is proud to support our Central Indiana community in many ways, including through sponsorship of special events for many causes that we know are also important to our partner organizations and individual members.

2019 Discovery Ball benefiting the American Cancer Society

Elements sponsored a table of 10 at the $2,750 level.

TrueU Learning Summit

featuring Ashley Scruggs and Charles Akinbola of Elements as presenters.

Face of Hope Breakfast

benefiting the Little Red Door Cancer Agency.

Elements raised nearly $5,000 for cancer patients at this event.

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SPECIAL OFFERS

High Interest Checking on balances up to $20,000 with 15 qualifying transactions per statement cycle

3.00

EARN A HIGH RATE OF

%

APY1

EARN A

EARN UP TO A

EARN A

CASH BONUS2

CASH BONUS3

CASH BONUS4

just by using a NEW ELEMENTS CREDIT CARD

when you BUY OR REFINANCE YOUR CAR with Elements

when you BUY OR REFINANCE YOUR HOME with Elements

$200 $500 $500

1) High Interest Checking Account Annual Percentage Yield (APY) effective as of January 1, 2020, is variable and may change after account is opened without notice. The APY is 3.00% on balances up to $20,000, 0.10% on balances greater than $20,000. Premium dividend 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. 2) 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 $200 statement credit. 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. 3) Auto Loan Related Maximum $500 Cash Bonus 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 and may be a taxable 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 add the amount of the bonus to the account balance at that time. Elements Financial refinances and third-party auto loan transactions are not eligible. 4) Mortgage Related $500 Cash Bonus Offer — requiring closing of mortgage with automated payments from an Elements Checking Account set up at closing, commencement of automated payments, and submission of applicable promo code at application — may be a taxable 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 add the amount of the bonus to the account balance at that time. Elements Financial refinances are not eligible. // All Cash Bonus Offers 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 bonus. Product offers cannot be combined with other promotional offers for the same product. One offer of each type per household.

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8081 Zionsville Road | Indianapolis, IN 46268 | 317.872.4490