Posted 01/13 – fees and offers subject to change Go to EatonFamilyCU for updates

1. Posted 01/13 – 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 • Open enrollment to all Eaton Corporation employees and their family members • Community Membership: live, work, worship or student in Euclid, Wickliffe, Willoughby Hills, Cuyahoga and Lake County, Ohio • Euclid, Wickliffe & Willoughby City Schools • City of Euclid, Wickliffe & Willoughby Hills • Fire, Police, Administration, Library • Other Select Employment Groups (SEG)

4. Eaton Family CU Now • 13,000 members • $54 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 – 4,600+ 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 • Offices and ATMs • Euclid • Wickliffe • Willoughby Hills • Eaton Corporation ATM is surcharge-FREE for our members • Shared Branching - No Charge Deposits, Withdrawals & Loan Payments at member credit unions nationwide • Buckeye State CU on Chagrin Blvd in Shaker Hts., Mentor Ave. in Painesville • CommStar CU on Cleveland Street in Elyria • Community United CU on Pearl Road in Strongsville • FireFighters Community CU on St Clair Avenue in Cleveland, Broadview Road in Broadview Hts., Erie St. in Willoughby& Emerald Pkwy in Cleveland • Medina County FCU on Pearl Road in Brunswick • The Ohio Educational CU on East 22nd & Euclid Avenue in Cleveland, Madison in Lakewood • School Employees Lorain County CU on Griswold in Elyria • Seven Seventeen CU on State Rt 59 in Kent • Taleris CU on E Granger Road in Cleveland & Broadview Road in Seven Hills • Towpath CU on Smith Road in Fairlawn & N Main St in Akron • Unity Catholic CU on Pearl Road in Brunswick & Madison in Lakewood • & more nationwide • MoneyPass ATM Network & Alliance One ATM Network • U.S. Bank, WalMart Stores, PSE CU, Century FCU, Sheetz Stores, Best Reward CU, Firefighters Community CU, Lakeshore Community CU & more nationwide • PULSE or Cirrus ATM Network – Surcharge FEE on ATM Nationwide

7. 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.

8. Eaton Family CU Contacts New Members Mirjana Zovkic 216-920-2008, Ext. 1020 MZovkic@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

9. Eaton Family Credit Union The only “win-win” human resources perk: no-cost to employer and long-term financial help for employees Personal banking service – quality you deserve • Not for profit, • Not for charity • But for service Thank You!