P.3 SmartMoney HOME EQUITY LOAN PROMOTION Digest

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www.pecutx.org1ST QUARTER 2022SmartMoneyDigestAUTO LOAN PROMOTIONP.3HOME EQUITY LOAN PROMOTIONP.5Use Your PECU Mastercard To Win Up To 15,000Priceless SurprisesPromotionHappy new year! The new year gives you a new opportunity to win. From now through March 31, 2022, your PECUMastercard purchases can win you up to 15,000! PECU, Jack Henry, and Mastercard want to reward you for carrying andusing your PECU Mastercard. There are three ways you can win in this promotion. FIRST WAY TO WIN: When youuse your PECU Mastercard or PECU debit Mastercard for signature-based transactions that total 250- 500, you receivean entry for a 75 statement credit drawing. Two lucky PECU members will receive a 75 statement credit. SECONDWAY TO WIN: When you use your PECU Mastercard or PECU debit Mastercard for signature-based transactions thattotal 500.01- 750, you receive an entry for the 75 drawing, PLUS an entry for a 250 statement credit drawing. Onelucky PECU member will receive a 250 statement credit. THIRD WAY TO WIN: When you use your PECU Mastercardor PECU debit Mastercard for signature-based transactions that total 750.01 or more, you receive an entry for the 75drawing, an entry for the 250 drawing, PLUS an entry for the national Grand Prize 15,000 Statement Credit Drawing.See the PECU website for the Official Rules, including the alternate entry method with no purchase necessary. Good luck!PECU To Hold Virtual Annual Meeting On Monday March 7, 2022In order to best protect our members, employees and community, PECU’s 2022Annual Meeting will take place online. The Virtual Annual Meeting will startat 5 PM on Monday March 7, 2022. Members will be able to join the meeting viacomputer video, or by calling in through the phone. We need your help to properlyprepare for this online event. Therefore, registration is required. Please registernow by calling Financial Services at 800-772-1955. You can also register by sendingan email with the subject line “Annual Meeting Registration” and including your nameand phone number. The email address is member@pecutx.org. Registration closes atnoon on 3/7/22. The meeting link and phone number will be sent to all that register.BACK COVER: Get a free kids or teen account for your kids and grandkids!

Get Paid To Refer A Friend To PECU 50 for you, 50 for your friend!CURRENT PECU MEMBERPlease fill out top half and then give it to your friend to fill out bottom half.Here’s an opportunity for you to refer a friend and receive 50 for each new PECU member you refer. Yourfriend needs to open a new PECU savings account & any PECU checking account*Current Member NameStreet AddressCity, State, Zip CodeE-mailPhone*Your 50 will be deposited to your PECU checking account when your friend opens a PECU savings account & PECU checking accountand meets the promotional requirements. Program, terms & conditions subject to change at any time at PECU’s sole discretion.GET 50 FOR YOU, PLUS 50 FOR YOUR FRIEND!NEW PECU MEMBERWelcome to PECU! Please fill out bottom part and then give it to PECU.512-474-1955pecutx.orgEarn 50 for you, plus 50 for the friend who referred you* You must fill out this form completely and then do the following:1) Open a PECU savings account & make one deposit of 50 or more within 60 days of account opening 2) Open any PECU checking account & complete five (5) signature-based debit card transactions of at least 10 each within 60 days of account opening.New Member NameStreet AddressCity, State, Zip CodeE-mailPhoneFOR PECU USEOPENED BY:DATE:CODE 04 ADDED:*PECU membership required. 50 will be deposited to your PECU checking account. New accounts screened through ChexSystems. Must be 18. 5minimum opening deposit required for member savings account. 5 minimum deposit required for member checking account. Promotional depositwill occur within 60 days of meeting requirements. Promotional deposit will be deducted if checking account is closed less than 180 days after opening account. Promotion not valid for existing PECU members. Program, terms & conditions subject to change at any time at PECU’s sole discretion.COMPLAINT NOTICEThis credit union is incorporated under the laws of the State of Texas, and under state law is subject to regulatory oversightby the Texas Credit Union Department. If you have a dispute with Public Employees Credit Union, you should first contactthe credit union. If the dispute is not resolved to your satisfaction, you may contact the Texas Credit Union Departmentthrough one of the means indicated below: In person or by U.S. Mail: 914 East Anderson Lane, Austin, TX 78752-1699Telephone Number: 512-837-9236Fax Number: 512-832-0278E-mail: complaints@cud.texas.govWebsite: www.cud.texas.gov

You’ll Love The Money YouSave By Refinancing YourAuto Loan!Loan Amount 10,000 - 19,999 20,000 - 29,999 30,000 - 39,999 40,000 - 49,999 50,000 Incentive 100 150 200 250 300www.pecutx.org800-772-1955If you love saving money (and making extra money), you should takeadvantage of PECU’s popular autorefinance promotion. We’ll give you90 days without payments, plus upto 300 cash! We’ll also give you agreat new rate, pay your title transfer fee, and then give you a newlower monthly payment. Scan theQR code at left for more information, plus the clickable online application. Questions? Call us at 800772-1955. PECU loves helping yousave money!All loans subject to credit approval. 10,000 minimum loan amount.Autos & trucks model year 2015 and newer are eligible. Up to 300deposited in share account. Standard underwriting guidelines apply.Vehicles currently financed at PECU not eligible. Rates, terms &conditions subject to change. Contact PECU if you have questions.3

BRANCHES & HOURSLEARN MORE ABOUT PECU: MyCardRulesWe created this Learn More About PECU section of your newsletter to address key topics related toyour credit union. We post all of the Learn More About PECU articles on our website. This time,we want to talk about PECU’s helpful MyCardRules service.You can use your mobile device to manage your PECU debit and credit card activity andspending. Download the MyCardRules app from Google Play or the Apple App Store. With a fewquick taps, MyCardRules lets you turn your cards on or off, set spending limits, and get alerts. Youcan set a wide range of controls and alerts on your PECU cards. This includes: Turning your card on or off Setting and lowering transaction spending limits based on your preferences, including dollaramount, transaction type, and merchant type Getting instant alerts on certain types of transactions, including declined transactions and alertsfor e-commerce and mail/phone orders when the card is not present Setting a specific region where the card can be used, or restricting usage based on your mobiledevice’s location Setting parental controls and monitoringAlerts will show up just like other notifications you get on your mobile device. Because you canmanage your PECU debit and credit card transactions all in one place, you have complete control ofhow, when, where, and who uses your cards. Knowing that you’ve set your specific card rules givesyou added peace of mind. Try MyCardRules today!FOR MORE INFORMATION: Have questions? Need help accessing PECU online and/or using MyCardRules?We want to help you. Feel free to call PECU Financial Services at 800-772-1955.IMPORTANT: Mastercard Update Means You May Receive A New CardIn order to comply with Mastercard’s increased security update, PECU wants you to be aware thatmany of our cardholders will be issued new debit and credit cards throughout 2022. Updatedcards will arrive in the mail. If you receive a new card, please activate it as soon as possible. Foryour security, your existing card will be canceled 15 days after the new card is issued. We ask thatyou please check the information on your PECU account to ensure we have the correct information,including your address, phone numbers and e-mails. This will facilitate your timely receipt of yournew card. Thank you for your help. We apologize for any inconvenience. If you have questionsabout this Mastercard update, please contact Financial Services at 800-772-1955.PECU’s Starter Credit Card Helps You Establish CreditPECU’s Fast Track Mastercard helps members with little or no credit to establish credit. The cardgives you a starting credit limit of 500. There’s no annual fee, relaxed credit guidelines, and the cardalways has a competitive interest rate. Having the Fast Track starter card allows you to build credit andgrow your credit score. Increasing your credit score unlocks more credit opportunities such as personalloans, auto loans, and mortgages. To get on the Fast Track, simply fill out the application on our website.Good credit is important. PECU is here to help you!MAIN OFFICE306 East 10th StreetP.O. Box 2205Austin, Texas 78768-2205Phone: 512-474-1955Fax: 512-474-2731E-mail: member@pecutx.orgLobby Hours:Monday thru Friday 9 am - 5 pmDrive-Up Hours:Monday thru Friday 7 am - 6 pmSaturday 9 am - 1 pmCENTRAL OFFICE1200 West 42nd StreetAustin, Texas 78756Lobby Hours:Monday thru Friday 9 am - 6 pmSaturday 9 am - 1 pmDrive-Up Hours:Monday thru Friday 7 am - 6 pmSaturday 9 am - 1 pmWALNUT CREEK OFFICE8013 Centre Park DriveAustin, Texas 78754Lobby Hours:Monday thru Friday 9 am - 6 pmDrive-Up Hours:Monday thru Friday 7 am - 6 pmSaturday 9 am - 1 pmOAK HILL OFFICE5838 Highway 290 WestAustin, Texas 78735Drive-Up Facility OnlyDrive-Up Hours:Monday thru Friday 7 am - 6 pmSaturday 9 am - 1 pmROUND ROCK OFFICE15800 RM 620 North(Near intersection of 620 N & Cornerwood)Austin, Texas 78717Lobby Hours:Monday thru Friday 9 am - 6 pmSaturday 9 am - 1 pmDrive-Up Hours:Monday thru Friday 7 am - 6 pmSaturday 9 am - 1 pmBEAUMONT OFFICE4215 Eastex FreewayBeaumont, Texas 77706Phone: 409-892-3171Fax: 409-892-7763Lobby Hours:Monday thru Thursday 9 am - 5 pmFriday 9 am - 6 pmDrive-up Hours:Monday thru Friday 8 am - 6 pmSaturday 9 am - 12 pmUpon request, members areentitled to review or receive acopy of the following credit uniondocuments: Balance Sheet &Income Statement; summary ofthe most recent audit; writtenBoard policy regarding accessto the articles of incorporation,bylaws, rules, guidelines andBoard policies; Internal RevenueService Form 990. If you havequestions, please contact PECUFinancial Services at 512-4741955 in Central Texas, or toll free800-772-1955.4

HAPPILY EVER AFTER CAN HAPPENWITH A PECU HOME EQUITY LOAN!Get up to 300Loan AmountIncentive 7,500- 24,999 25,000- 49,999 50,000- 74,999 75,000 100 200 250 300bonus cash!Our PECU Home Equity Loanpromotion might just be theperfect way to help you planthe perfect day! Home valueshave been increasing. You canuse the equity you’ve built upin your house to turn “someday” into today. Right now,you can even get up to 300bonus cash. There are lots ofways you can use a PECU HomeEquity Loan. Besides a dreamwedding, PECU members useHome Equity Loans for thingslike home improvements, RVs,bill consolidation, vacations,college, and more. Rates aregreat. Scan the QR code aboveright for more information,plus the online application.Questions? Please call us at800-772-1955.Ì Low fixed rateÌ Borrow up to 80% LTVÌ Loan amounts from 7,500 to 500,000Ì No standard closing cost on loansless than 100,000Ì One set monthly payment to fityour budgetÌ No application feeÌ No origination feeÌ No processing feeÌ No hidden costsÌ Generous terms up to 20 yearsÌ No pre-payment feeAll loans must be closed by 4/15/22. All loans subject to credit approval. 7,500 minimum loan amount. Up to 300 depositedin share account. Loans must be closed to receive incentive. Standard underwriting guidelines apply. To qualify for theHome Equity cash incentive and the no-closing-cost feature, all loans must be new loans or a refinance from another financialinstitution. Loans currently financed with PECU are not eligible for the cash incentive or the no-closing-cost feature.Rates, terms, and conditions subject to change. Contact PECU if you have questions.www.pecutx.org800-772-1955

FREE KIDS & TEEN ACCOUNT PROMOTIONGive your kids and grandkids the gift of credit union membership. PECU ismaking it even easier to do this from now through March 31, 2022. We’ll waivethe new member fee and put the first 5 in any new PECU Zoo Crew and Club Blingaccount. The PECU Zoo Crew is for kids 12 and under. Club Bling is our teen accountfor those 13-18 years old. Both accounts earn interest and have no monthly fee andno minimum balance. The accounts need to be opened by a parent or grandparentthat is already a PECU member. For added learning, track the accounts with ourfree PECU Apple and Android mobile app. Teens can also learn more about moneyby downloading PECU’s Zogo app. Give the gift of credit union membership to thechildren in your life during this free promotion.Your PECU Membership Qualifies You For 2,000 of Free InsuranceYour PECU membership can help you save money on your insurance. We partnerwith TruStage to offer you many types of insurance including auto, life, property,health, and AD&D. Many PECU members report they saved money with TruStage.TruStage is the brand for the insurance products made available through CUNAMutual Group, including the CMFG Life Insurance Company. CMFG Life hasworked with credit unions for more than 75 years. Click the TruStage Insurancerectangle from our homepage to get started on free quotes. What’s more, your PECUmembership qualifies you for 2,000 of AD&D coverage at no cost!Choose PECU Free Checking and Save Lots of MoneyOne of the best ways you can save money in the new year is to choose PECU FreeChecking. According to CFPB data, the average cost of monthly maintenance fees,ATM fees, account use fees, overdraft fees and NSF fees for a checking account isnearly 1,000 over a decade. You work hard for your money. Don’t let big banks takea bite out of it. PECU Free Checking has no fees, no minimum balance requirements,no monthly service charges, and no usage requirements. We also give you a free debitcard, our free mobile app, and 360 free Central Texas ATMs. You can open a PECUFree Checking account online, or stop by any PECU lobby branch.Gain Financial Literacy & Win Prizes With ZogoZogo is the fun way to learn finance and earn rewards. In fact, it hit #1on Apple’s education apps chart. PECU gives you Zogo for free! Scan theQR code at left for the Apple version. Scan the QR code at right for theAndroid version. Make sure you enter the access code “PECU.” Inside theapp, you play bite-sized modules, learn lots of useful things, and earn funPineapple Points. You can then cash in those points for gift cards frompopular brands, or use them to make charity donations. Brands includeAmazon, Apple, Starbucks, Nike, Walmart and Target. Earn while you learn!Download PECU’s Mobile App

WITH A PECU HOME EQUITY LOAN! 25,000- 49,999 Get up to bonus cash! 300 Our PECU Home Equity Loan promotion might just be the perfect way to help you plan the perfect day! Home values have been increasing. You can use the equity you've built up in your house to turn "some day" into today. Right now, you can even get up to 300 bonus cash.

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Callan Periodic Table of Investment Returns Returns Ranked in Order of Performance (as of June 30, 2019) Equity Cap Large-9.11% Equity Cap Large-11.89% Equity Cap Large-22.10% Equity Cap Large 28.68% Equity Cap Large 10.88% Equity Cap Large 4.91% Equity Cap Large 15.79% Equity Cap Large

fn-38905 (4/20) page 1 of 4 (prescreened offers only: personal code: ) type of loan applied for home equity credit line home equity bridge line no home equity loan home equity credit line increase

Home Equity Loan. Home equity loans are very flexible and can be used for anything from home projects to vacation to refinancing your current home. Home Equity Line of Credit. Want to be able to access loan funds on an as-needed basis? Once you are approved for a home equity line of . credit, you can access your money simply by writing a check.

All contiguous periods from 1996 to 2015 show a private equity PME 1 except for 2006 to 2015 Kaplan: " Phalippou's definition of private equity is too broad" Phalippou's private equity universe includes real assets, real estate, infrastructure and energy. When private equity is defined just as buyout, growth equity and venture capital

qHome Equity Credit Line qFixed Rate Home Equity Loan qVariable Rate Home Equity Loan Date Received Log Number . 2/22 Fixed Rate Home Equity Loan Fixed Rate 611 River Drive Application Elmwood Park, New Jersey 07407 1-800-363-8115 . FAX: (201) 797-5086 Loan Originator's Name - _ NMLS# _ Loan Origination Company's Name - Spencer .

ensures the interest rate will stay the same for the duration of the loan term. Refinance to Cash Out Home Equity If you have at least 20% equity in your home, you can refinance to withdraw home equity. Most financial planners recommend using home equity for something like a home renovation or to responsibly pay down debt.

BASF SE Public Equity 5,750 Keyence Corp Public Equity 5,741 Exelon Corp Public Equity 5,689 Leidos Holdings Inc Public Equity 5,684 Thomson Reuters Corp Public Equity 5,662 CGI Inc Public Equity 5,628 UEP Investment Holdings as of March 31, 2021 1

American Equity Growth Fiera U.S. Equity Fund, Series A 2.39% 0.06% Long-term capital growth Low Volatility American Equity (TDAM) American Equity Value TD U.S. Low Volatility Fund, Investor Series 0% 2.23%4 Better risk-ajusted total return than the Index U.S. Small-Mid Cap Equity (AGF) US Small/Mid Cap Equity Growth AGF U.S. Small-Mid Cap Fund .

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develop an Equity Assessment Tool that can be used across City departments during the budget process. Austin established an Equity Office in 2016 to focus on advancing equity in all aspects of City operations. The first Chief Equity Officer began this work in October 2016. Austin's Chief Equity Officer is part of the City's COVID-

9.2.1. Real estate private equity definition 33 9.2.2. Electricity generation private equity definition 33 9.2.3. Relevant criteria 33 9.2.4. SDA for real estate private equity investments 34 9.2.5. SDA for electricity generation private equity investments 34 9.3. Asset classes: private equity direct investments including buyout, growth capital and

Home equity conversion plans can broadly be divided into loan plans and split equity plans. In the loan plans, the aged homeowner accumulates a debt to be paid off at some future time. In the split equity plans, the aged person sells the house and the equity is split into owner- ship rights that belong to the buyer-investor and occu- .

refinanced as another home equity loan or as a reverse mortgage (the “once an (a)(6), always an (a)(6)” rule). Provided that the following conditions are met, S.J.R. 60 allows the owner to refinance the owner’s home equity loan as a non-home equity

STACKING ORDER AND TABS FOR HOME EQUITY AND HELOC FILES The following will be the stacking order within the tabs for the Home Equity and HELOC files. 1- On the top of the tabs: a. Home Equity/ HELOC Checklist b. Loan Payment Election Form c. Mortgage- both Long and Short including Schedule A and the 253 Affidavit d. Note (fixed HE only) e.

The nationwide aggregate value of Americans' primary residence home equity is also staggering. Table 1 shows the dollar volume of accumulated home equity (net of debt secured by the house) for American homeowners by age group in 2015. The first take-away is that households possess an aggregate home equity of over 11 trillion.

undoubtedly spending the proceeds. Home equity loans outstanding at all U.S. commercial banks soared to a record 324 billion in early May, up 36% from a year ago. They are the fastest-growing asset class in commercial bank balance sheets. A home equity loan is really money borrowed from a line of credit secured by the value of the home.

equity in their homes. Homeowners can tap into this equity in a number of ways and use the proceeds to finance home improvements. This includes home equity loans, a home equity line of credit, or a cash-out refinance. Because such loans are secured by the home, interest rates tend to be lower than other types of loans. Any interest paid is also .

They are intended to accompany, rather than replace, other texts, while offering the student a fresh perspective. About E-International Relations E-International Relations is the world’s leading open access website for students and scholars of international politics, reaching over three million readers per year. E-IR’s daily publications feature expert articles, blogs, reviews and .