Not NCUA Insured Not Credit Union Guaranteed May Lose Value

Free May Drawing Come in and enter

Expires May 31, 2014

10% Discount on any service Expires May 31, 2014

10% off One Raw Juice or Smoothie

Once only, per person. Expires May 31, 2014

The

Lifestyle LoansDid you know that O Bee offers Lifestyle Loans? The right

amount of money at the right time turns dreams into reality, with simple and stress-free solutions. Borrow

exactly what you need when it’s needed, with the terms that fit your budget and your time

frame. The amount borrowed can be used for any reason.

Call today for more information

360-943-0740

Attend a FREE class offering straightforward, practical advice on a home purchase or refinancing. • Open to anyone in the community• Suitable for both first-time or experienced home buyers • Take-home materials provided• Learn from our experts. Bring your questions

Home Buying Class

Classes held at our Tumwater Branch

Classes offered by our mortgage experts, Charlie LaBonte and Mike Lindsay. Learn more and sign up at www.obee.com/buyerclass

O Bee Mobile!• Check Balances

• View Transaction History

• Transfer Funds

• Pay Loans

• Secure Messaging for support

• Mobile Bill Pay - pay bills on the go with your mobile app!

• Quick check your account via SMS (texting).

Get started at obee.com/mobi on your mobile device

The Famous Pink Debit Card!

Introducing

COMING IN MAY

Connect with us!

Spring is Here! Did you get your Bee Happy flower seeds yet? They are available at all branches while supplies last.

Kids and Money

The younger children are introduced to the concept of money management, the more likely they are to handle their finances better as they become independent. Giving an allowance and encouraging your children to save a percentage of it is a great place to start but is not

enough for long-term financial well-being.

Make a budget, and don’t forget the ice cream! Although children don’t have bills or expenses yet, the concept of budgeting should start early. Transfer your costs for movies, birthday parties, local events or even treats at the store to your child’s budget. Give them an allowance and options to choose from on how to spend it. They will learn quickly that we all have to pick and choose where to spend our precious dollars.

Set financial goals and stick to them! While budgeting is great for the day-to-day expenses, it doesn’t really translate to those big dollar items we like to splurge on. Here are some ideas of financial goals from my household: a new skateboard, an Xbox video game, a day of snowboarding, or a trip to Build-a-Bear Workshop.

Save for an emergency or rainy day! Set boundaries for saving money when a child receives an allowance, extra chore money, or even birthday or Christmas money. Some parents choose to go with a flat percentage (my dad held me to 10% from day 1) or not spending any money until a flat amount is saved (say $5). The earlier we get accustomed to saving, the easier it is to not spend every dollar we bring home.

Lemonade Stand Start-Up! Last year my two young children wanted to have a lemonade stand during our

neighborhood garage sale on a rare hot summer day. We started out with writing out the cost of all the supplies and they were off and running. My son set up the furniture while my daughter put her art skills to work on signage. As the money flowed in they had to hold it all in a shoebox and resist the urge to buy our neighbors old toys and sports equipment. When the day was done we sat at our dinner table and counted the profits. They subtracted the expenses and handed that money over to me and divided the remainder for themselves. It was an excellent lesson and actually a lot of fun to do with them.

By Jennifer Roberts, Senior VP/Chief Operation Officer

I would like to thank you for your continued patronage and support for O Bee. We are always looking for ways to improve our member service as well as provide new and innovative products and services for you. If you ever have any comments, questions, concerns or suggestions, I would love to hear them. You can call me directly at 360.570.7923, or email me at jroberts@obee.com.

Make a budget, and don’t forget the ice cream! Although children don’t have bills or expenses yet, the concept of budgeting should start early.

Anticipated Dividend Rates Effective March 19, 2014

Share and IRA Certificates TERM APY* 7-29 days 0.15% 90-179 days 0.15% 6 months 0.15% 1 year 0.50% 2 year 0.70% 3 year 1.00% 4 year 1.31% 5 year 1.51% Minimum required to open account and to obtain dividends: $500. A substantial penalty will be imposed for early withdrawals.

Money Market Account BALANCE APY* $1,000.00 — $2,499.99 0.10% $2,500.00 — $9,999.99 0.15% $10,000.00 + 0.20% $50,000.00+ 0.30% Minimum required to open an account and earn dividends: $1,000.00

Share Accounts 0.10% to 7.52% APY* Call or check online for details

Health Savings Accounts 0.10% APY* IRA Share Accounts 0.10% APY* * Annual Percentage Yield. Dividends are earned on daily balances and are compounded and paid monthly, provided the account is open on the date dividends are credited. Dividends are paid from available earnings after required transfers to reserves at the end of a dividend period. All rates subject to change without notice. The rates and fees appearing are accurate and effective for the above accounts as of March 19, 2014 except as otherwise indicated.

Anticipated Loan Rates New & Used Auto Rate As Low As Terms up to 60 months† 2.99% APR*† Boat or RV $10,000 - $50,000 6.74% APR* Terms up to 84 months†

Green Loan Ask about our .25% rate reduction on vehicle loans that are environmentally friendly. Some restrictions apply. Call for rates and details.

Onyx Card 8.90% APR*† No annual fee

MasterCard 10.40% APR*† No annual fee

VISA Platinum 6.65% APR*† No annual fee Wall Street Prime + 3.4%

Oly Gold Card 9.25% APR*† No annual fee

* Annual Percentage Rate † Level A+ rates and terms, on approval of credit. Conditions apply.

Call the Credit Union for the details and terms of individual loans. Rates subject to change without notice.

For The Latest Loan Rates Call 360.943.0740 or toll-free at 800.642.4014 or visit us on the internet at www.obee.com

Board of Directors Steve Blankenship, Chair Jerry Murphy Carolyn Caruso, 1st Vice Chair Prabakaran Manoharan Phil Wayt, 2nd Vice Chair Wilford Saunders Miriam L. Bausch Christy Kriegsman, Assoc. Director Jim Geer Jay Mason, Assoc. Director Clifford Clark

Supervisory Committee Sonja Winkelman, Chair Martha Prestin Tina Crary Bruce Cramer Ryan SchwanThe BeeLine, Spring 2014

This has been one of the most

difficult years for my family. As

mentioned in prior columns, my

family faced many trials this past

year regarding health and aging. It

became clear to me that what we

faced was exactly what you, my

clients and friends, have faced. In

fact, many of you reminded me

that my own advice over the years

was, ironically, the best advice I

could follow now. As we faced these challenges, it required planning

for healthcare, in-home care, rest homes, hospitals, Medicaid, finances,

powers of attorney, and estate planning.

My father passed away on February 9th. We are now trying to heal, and

to move ahead. It may be helpful to share with you what I experienced

regarding my father, and now my mother. As a financial advisor, I have

learned that money and family are inseparable: it is personal. As the

advisor to several hundred families, I have traveled through life with

many people from start to finish, and what may have been a good plan a

decade ago, is different at the end of life. I meet with numerous families

each year to discuss everything from worries about outliving the money;

to answering questions about how to survive financially after a spouse

passes; to assisting families who may be subject to a total spend-down of

their estate to provide medical assistance for a loved one; or for those who

have just experienced a divorce and must determine how to manage the

finances. My role as a financial advisor often involves a deep partnership

with those who are traversing the ups and downs of life.

I can honestly say that “until you are there,” the process of elder care

and elder needs can be overwhelming no matter how prepared we are.

I will be brief and create an outline approach. On a practical level, it

becomes so important to know that you have a power of attorney for

both your healthcare and finances. If you are a child who has a parent

without either of these documents, please seek legal advice and have

one in place. It will make life much easier for all concerned. Also, it

is very helpful to know where all important documents are located

including financial statements and the will or Trust.

Another important element here is to talk about the end of life with your

parents and your children. Waiting until the end, or never discussing

it at all is a heavy burden for survivors. A “sit down” discussion is so

valuable. At this time it is imperative to also establish heirs and the

executor. A reliable attorney is valuable. I know. We have one. She has

taken us through the journey the past 10 months and has been wise,

fair, and caring. All is well and in good hands.

I have never been as involved with a loss as I am now. I wrote Dad’s

obituary; I told my mother that Dad was gone, made the arrangements,

spoke at Dad’s funeral and was greatly honored to experience the

presentation of the flag to our family from the Marines who knelt in

front of me with the flag and saluted us all. The three gun salute shook

the windows of the church in Onalaska where I was raised. It all came

crashing down on us that Dad was gone. He was a good man.

My loss is personal, but it helps me help you much more. Quite often

tears are shed in my office as we meet to discuss a loss, or to set financial

affairs in order for those facing an illness, or the aftermath of divorce.

Simply stated: life changes. Until we are “there,” it never becomes a

reality. But I have witnessed plenty of change in the lives of my clients

and friends the past 16 years as a financial advisor.

With the days and weeks since Dad passed, I have learned that more

decisions are to be made. From settling the estate to addressing my

Mom’s needs. Thank goodness we live in a world where helpful people

abound! My office is filled with wonderful cards of support, and each

day I speak to people who share their concern and sympathy, and offer

a helping hand. I love our community and encourage you all to seek the

services available when times are tough. Those services and the people

who serve are here. They are amazing.

David Littleton and O Bee Financial Services are available to you, the O Bee Credit Union member, to help you plan your financial future. Call 360.570.7538 to schedule a financial consultation.

Not NCUA Insured Not Credit Union Guaranteed May Lose Value

In Honor of My Father

O Bee Credit Union Members-Only Discounts

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which investment(s) may be appropriate for you, consult your financial advisor prior to investing. All performance referenced is historical and is no guarantee of future results. Securities offered through LPL Financial, member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates.

Mr. Littleton does not provide legal advice. LPL Financial & its affiliates are not affiliated with O Bee Credit Union.

TruStage: Insurance the credit union way.

Insurance protection is part of a solid financial plan. From getting a good rate on coverage for your car to making sure your life insurance is adequate, dependable insurance coverage ensures financial relief when you need it. And along the way, you’ll take comfort in knowing you’re protected.

TruStage insurance products and programs help O Bee members protect what matters most. Backed by nearly 80 years of working in partnership with credit unions and their members, you’ll find products for life, car, AD&D, long-term care, home and more. TruStage offers straightforward information, real value and assurance. And it’s only for credit union members like you.

To learn more, get quotes or just explore, visit trustage.com.

to the Digital BeeLine!Welcome to the first issue of the Digital BeeLine! Now you have access to your favorite newsletter right on your home computer or tablet. It’s easy to sign up for the digital BeeLine and it will be delivered right to your email address. Go to the bottom right of our home page and sign up, or go to obee.com/beeline.

If you prefer a printed copy of the BeeLine, some will always be available in each branch. Plus, the next issue, Summer 2014, will be delivered to your home in paper format too. Enjoy.

Sign up today and enjoy the convenience of our digital BeeLine.

Welcome

237 Sussex Ave W. Tenino360-264-2787

www.facebook.com/HazelHomestead

Free May Drawing Come in and enter

Expires May 31, 2014

Located in the Historic District of Tenino on the east side of the Mentzer and Copping Block buildings, The Homestead features the wares of local crafters and artisans. This is the place to go if you are not only looking for truly unique items, but also if you are conscious about keeping your shopping dollars close to home supporting local families. O Bee members are eligible for our free May drawing. Many of our artists are donating items for this exciting drawing. Winner announced at 4:00 PM on 5/31.

We offer exceptional service with tree removal, tree felling, stump grinding, brush chipping, tree trimming and even plowing and tractor work. Owned and operated since 1992, we serve Thurston, Mason and Lewis Counties. We have many repeat and “word of mouth” customers. Roger pays close attention to the customers needs as well as safety. Licensed and bonded. Contact us for a free estimate.

“I have been a member of O Bee for 31 years!”

Zoe Juice Bar is a locally owned and operated raw juice bar in Olympia. We serve fresh, raw juice and smoothies and have many gluten free grab and go goodies. Zoe Juice Bar is a fun and friendly place to come and get great tasting, nutrient-packed drinks and more.

“I have been a member of Obee since I was 9 years old. I love their amazing service and great products they offer! (My grandfather retired from the brewery after working their 36 years.)”

THE HOMESTEAD ROGER’S TREE SERVICE ZOE JUICE BAR

RogersTreeServices.com(360)705-2958

climber@rogerstreeservices.com

1851 State Ave NE #101Olympia, WA 98506

www.zoejuicebar.com

10% Discount on any service Expires May 31, 2014

10% off One Raw Juice or Smoothie

Once only, per person. Expires May 31, 2014

Business listings are a service to our members and do not represent an endorsement of their products or services. To be featured in an upcoming issue of the BeeLine, contact marketing@obee.

20,000 is the answer. So what is the question?

The number of times the Seattle Mariners will strike out this season? The number of traffic circles purchased by Thurston County?

Nope, by the time you read this – it will be the number of members in the credit union. After setting records in 2011, 2012 and then again in 2013 for membership, it appears we are on task to do it again in 2014. It’s just that we’re not sure, exactly, as to why. Some financial institutions increase their membership by merging or buying out rivals. Others offer sign up bonuses as a lure (and what is known as “renting loyalty”). Our plan is a bit more on the simple side – just keep doing what we are doing and things will work themselves out.

One change you may have noticed is that we are not mailing the BeeLine every quarter. Due to the fact that postage has now gone through the stratosphere, we are still producing it four times per year but are only mailing two of them. Copies of all four will in the branches as they are published. If our riveting articles peak your interest, you can check it out online as well.

We also have our email newsletter – the Artesian. Produced twice per month, it features articles regarding finance, local issues and has special offers that you won’t see elsewhere as well as announcements of new products. We also use the Artesian as a sounding board with special surveys and opinion polls – which are then used to help make the credit union that YOU want.

So I encourage you to go to our home page at www.obee.com and sign up for the newsletter at the bottom of the screen. As always, we don’t sell, spindle or mutilate your email address. It’s just us.

And finally, take a gander under our Membership section on our website. You will find two new entries, “TrueStage Insurance” – which offers discounted insurance for credit union members only and “Discounts for Members,” which has special savings in many areas. We plan to keep enhancing these two areas to give you opportunities to both save a buck and help

the credit union movement. Have a wonderful and happy spring!

James Collins, CEO 570-7922 jcollins@obee.com

Setting Records Again

INSIDE:

• In Honor or My Father

• Kids and Money

• Lifestyle Loans

• Digital Beeline Here

• Home Buying Class

• TruStage Insurance

• Members-Only Discounts

by David Littleton, Financial Advisor, O Bee Financial Services

Spring 2014

The

Lifestyle LoansDid you know that O Bee offers Lifestyle Loans? The right

amount of money at the right time turns dreams into reality, with simple and stress-free solutions. Borrow

exactly what you need when it’s needed, with the terms that fit your budget and your time

frame. The amount borrowed can be used for any reason.

Call today for more information

360-943-0740

Attend a FREE class offering straightforward, practical advice on a home purchase or refinancing. • Open to anyone in the community• Suitable for both first-time or experienced home buyers • Take-home materials provided• Learn from our experts. Bring your questions

Home Buying Class

Classes held at our Tumwater Branch

Classes offered by our mortgage experts, Charlie LaBonte and Mike Lindsay. Learn more and sign up at www.obee.com/buyerclass

O Bee Mobile!• Check Balances

• View Transaction History

• Transfer Funds

• Pay Loans

• Secure Messaging for support

• Mobile Bill Pay - pay bills on the go with your mobile app!

• Quick check your account via SMS (texting).

Get started at obee.com/mobi on your mobile device

The Famous Pink Debit Card!

Introducing

COMING IN MAY

Connect with us!

Spring is Here! Did you get your Bee Happy flower seeds yet? They are available at all branches while supplies last.

Kids and Money

The younger children are introduced to the concept of money management, the more likely they are to handle their finances better as they become independent. Giving an allowance and encouraging your children to save a percentage of it is a great place to start but is not

enough for long-term financial well-being.

Make a budget, and don’t forget the ice cream! Although children don’t have bills or expenses yet, the concept of budgeting should start early. Transfer your costs for movies, birthday parties, local events or even treats at the store to your child’s budget. Give them an allowance and options to choose from on how to spend it. They will learn quickly that we all have to pick and choose where to spend our precious dollars.

Set financial goals and stick to them! While budgeting is great for the day-to-day expenses, it doesn’t really translate to those big dollar items we like to splurge on. Here are some ideas of financial goals from my household: a new skateboard, an Xbox video game, a day of snowboarding, or a trip to Build-a-Bear Workshop.

Save for an emergency or rainy day! Set boundaries for saving money when a child receives an allowance, extra chore money, or even birthday or Christmas money. Some parents choose to go with a flat percentage (my dad held me to 10% from day 1) or not spending any money until a flat amount is saved (say $5). The earlier we get accustomed to saving, the easier it is to not spend every dollar we bring home.

Lemonade Stand Start-Up! Last year my two young children wanted to have a lemonade stand during our

neighborhood garage sale on a rare hot summer day. We started out with writing out the cost of all the supplies and they were off and running. My son set up the furniture while my daughter put her art skills to work on signage. As the money flowed in they had to hold it all in a shoebox and resist the urge to buy our neighbors old toys and sports equipment. When the day was done we sat at our dinner table and counted the profits. They subtracted the expenses and handed that money over to me and divided the remainder for themselves. It was an excellent lesson and actually a lot of fun to do with them.

By Jennifer Roberts, Senior VP/Chief Operation Officer

I would like to thank you for your continued patronage and support for O Bee. We are always looking for ways to improve our member service as well as provide new and innovative products and services for you. If you ever have any comments, questions, concerns or suggestions, I would love to hear them. You can call me directly at 360.570.7923, or email me at jroberts@obee.com.

Make a budget, and don’t forget the ice cream! Although children don’t have bills or expenses yet, the concept of budgeting should start early.

Anticipated Dividend Rates Effective March 19, 2014

Share and IRA Certificates TERM APY* 7-29 days 0.15% 90-179 days 0.15% 6 months 0.15% 1 year 0.50% 2 year 0.70% 3 year 1.00% 4 year 1.31% 5 year 1.51% Minimum required to open account and to obtain dividends: $500. A substantial penalty will be imposed for early withdrawals.

Money Market Account BALANCE APY* $1,000.00 — $2,499.99 0.10% $2,500.00 — $9,999.99 0.15% $10,000.00 + 0.20% $50,000.00+ 0.30% Minimum required to open an account and earn dividends: $1,000.00

Share Accounts 0.10% to 7.52% APY* Call or check online for details

Health Savings Accounts 0.10% APY* IRA Share Accounts 0.10% APY* * Annual Percentage Yield. Dividends are earned on daily balances and are compounded and paid monthly, provided the account is open on the date dividends are credited. Dividends are paid from available earnings after required transfers to reserves at the end of a dividend period. All rates subject to change without notice. The rates and fees appearing are accurate and effective for the above accounts as of March 19, 2014 except as otherwise indicated.

Anticipated Loan Rates New & Used Auto Rate As Low As Terms up to 60 months† 2.99% APR*† Boat or RV $10,000 - $50,000 6.74% APR* Terms up to 84 months†

Green Loan Ask about our .25% rate reduction on vehicle loans that are environmentally friendly. Some restrictions apply. Call for rates and details.

Onyx Card 8.90% APR*† No annual fee

MasterCard 10.40% APR*† No annual fee

VISA Platinum 6.65% APR*† No annual fee Wall Street Prime + 3.4%

Oly Gold Card 9.25% APR*† No annual fee

* Annual Percentage Rate † Level A+ rates and terms, on approval of credit. Conditions apply.

Call the Credit Union for the details and terms of individual loans. Rates subject to change without notice.

For The Latest Loan Rates Call 360.943.0740 or toll-free at 800.642.4014 or visit us on the internet at www.obee.com

Board of Directors Steve Blankenship, Chair Jerry Murphy Carolyn Caruso, 1st Vice Chair Prabakaran Manoharan Phil Wayt, 2nd Vice Chair Wilford Saunders Miriam L. Bausch Christy Kriegsman, Assoc. Director Jim Geer Jay Mason, Assoc. Director Clifford Clark

Supervisory Committee Sonja Winkelman, Chair Martha Prestin Tina Crary Bruce Cramer Ryan SchwanThe BeeLine, Spring 2014

Not NCUA Insured Not Credit Union Guaranteed May Lose Value

Free May Drawing Come in and enter

Expires May 31, 2014

10% Discount on any service Expires May 31, 2014

10% off One Raw Juice or Smoothie

Once only, per person. Expires May 31, 2014

The