Posted 06/11 – fees and offers subject to change Go to EatonFamilyCU for updates

1. Posted 06/11 – fees and offers subject to change Go to www.EatonFamilyCU.com for updates

2. Background Credit Union • Financial Institution • Member-owned • State chartered • Insured up to $500,000 • NCUA, an agency of the Federal Government for up to $250,000 • ESI, a division of American Share Insurance for up to $250,000 • Not for profit, not for charity but for service • Management Committee • Board of Directors • Member volunteers elected by membership

3. History and Membership • Dual Ratio Federal Credit Union • Chartered 1937 • Eaton Axle • Eaton Family Credit Union • Name Change 1984 • Once a member, always a member • Community Membership: live, work, worship or student in Euclid, Wickliffe, Willoughby Hills, and Lake County, Ohio • Euclid, Wickliffe & Willoughby City Schools • City of Euclid, Wickliffe & Willoughby Hills • Fire, Police, Administration, Library • Select Employment Groups (SEG) • Eaton Corporation, PCC Airfoils, TRW, Accurate Metal, GE groups, Lincoln Electric, Dana Corporation, Cleveland Gear, SIFCO, Babcock & Wilcox, Tylok, H.C. Starck, Lake Erie Design and more

4. Eaton Family CU Now 13,000 members $48 Million in assets 3 offices + more 333 Babbitt Road, Euclid, Ohio 1460 Rockefeller Road, Wickliffe, Ohio 28954 Chardon Road, Willoughby Hills, Ohio Shared Branching Community Involvement Annual College Scholarship, Children's Miracle Network, Cleveland Saves, United Way Programs, Euclid Boys League, Euclid Chamber of Commerce, Euclid City Schools, Euclid Hunger Center, Euclid PAL, Euclid Panther Booster Club, Euclid Veterans, Junior Achievement, Knights of Columbus, Mary Mavec Opportunity School, National Endowment for Financial Education NEFE, Nottingham Home, St. Robert Bellarmine, Our Lady Mount Carmel, Villa Angela-St. Joseph High School, St. William School, New Day Academy, Race For The Cure, Rainbow Babies & Children Hospital, Relay For Life, Rotary International, Western Lake County Area Chamber of Commerce, Wickliffe Fire Department, Wickliffe Band Boosters, Wickliffe High School, Wickliffe Library, Willoughby Food Pantry, Willoughby Hills Recreation Department & more

5. Full Service Direct deposit Savings Products Savings Accounts, Certificates Of Deposit, Money Market Accounts, IRA Accounts, Checking Accounts All types of loans Renovations or Improvements, Education, New & Used Vehicle, Mortgages & Stretch Pay Convenience Shared Branching – 4,000+ member credit unions nationwide ATM Networks No Transaction Fee up to 8 monthly with direct deposit MoneyPass featuring U.S. Bank – Surcharge-Free Alliance One - Surcharge Free in 38 states PULSE and CIRRUS - Surcharge Fee listed on ATM’s nationwide Debit MasterCard Visa Credit Cards 24-Hour Toll-Free Loan Line FREE Web Bill Pay, Online Banking, CU Mobile, MATT – TouchTone Teller EatonFamilyCU.com – Rates, Information & Loan Approval Financial Services Division Stocks, Bonds, Insurance and Long-Term Planning

6. Local Transactions Shared Branching– Deposits, Withdrawals & Loan Payments at member credit unions East Firefighters Community CU on Erie St in Willoughby and St Clair Av in Cleveland Buckeye State CU on Chagrin Blvd in Shaker Heights, Mentor Ave in Painesville and S Ridge E in Ashtabula The Ohio Educational CU on E 22nd St in Cleveland Seven Seventeen CU on State Route 59 in Kent, Larchmont Ave NE in Warren and Niles Cortland Rd in Cortland West The Ohio Educational CU on Madison Ave in Lakewood Taleris CU on Broadview Rd in Seven Hills Firefighters Community CU on Broadview Rd in Broadview Heights and Emerald Pkwy in Cleveland Medina County FCU on Pearl Rd in Brunswick CommStar CU on Cleveland St in Elyria School Employees Lorain County CU on Griswold Rd in Elyria Vacationland FCU on State Route 60 W in Vermilion CommStar CU on W Erie Ave in Lorain The Ohio Educational CU on E College St in Oberlin South Towpath CU on Smith Rd in Fairlawn and N Main St in Akron Seven Seventeen CU on State Rt 59 in Kent Akron Municipal Employees CU on S High St in Akron Akron Firefighters on Massillon Rd in Akron Medina County FCU on Medina Rd in Medina and Reimer Rd in Wadsworth Buckeye State CU on E Thornton St in Akron Akron Firefighters CU on Massillon Rd in Akron TeleCommunity CU on N Turkeyfoot Rd in Akron

7. Local Transactions Money Pass ATM Network featuring U.S. Bank – Surcharge FREE Alliance One ATM Network - Surcharge Free Cardinal Community CU, Ohio Educational CU, Steel Valley CU, Century Federal CU, FireFighters Community CU, Emerald Group CU, Ohio Catholic FCU, Taleris CU, PSE CU, Geauga CU and more Sheetz Stores ATM – Surcharge FREE Pulse & Cirrus ATM Network – Surcharge FEE on ATM Fifth Third, Chase, PNC, Charter One, Key, First Merit and more • * Subject to credit approval & based on each member’s individual credit quality.

8. New Member Offers • Materials • “Join Us” Poster • New member packets (Membership Application also online) • Newsletter and Email Updates • Loan special for 90 days from join date • 0.5% discount on new and used car loans* • Share Certificate special for 90 days from join date • Extra 10 Basis Points on new Share Certificates • Visa special for 90 days from join date • 1,000 ScoreCard points* • Members can belong to more than one credit union • * Subject to credit approval, based on each member’s individual credit quality and cannot be combined with any other offer.

9. Eaton Family CU Contacts New Members Maria Vendetti 216-920-2005, Ext. 1002 mvendetti@EatonFamilyCU.com Membership Marketing Fred Siegel 216-920-2021, Ext. 1001 fsiegel@EatonFamilyCU.com Toll Free 800-845-5446 ABA #241075470 Diane Toth 216-920-2025, Ext. 1011 dtoth@EatonFamilyCU.com Loans Debbie Richards 216-920-2009, Ext. 1101 drichards@EatonFamilyCU.com FAX 216-920-2030 www.EatonFamilyCU.com

10. Eaton Family Credit Union Personal banking service – quality you deserve • Not for profit, • Not for charity • But for service Thank You!