Dollars&SenseSpring 2020

IMPORTANT UPDATE: COVID-19

VISA

During this time of uncertainty with the evolving Coronavirus (COVID-19) situation, be assured KONE ECU is committed to keeping you, our employees and our communities safe.

We will have normal business hours at this time. We are ClOSINg OUR lObby to member traffic, and we are asking our local members to use our drive-up facilities.

We encourage our members to use our digital and phone resources. If you are not currently using our online banking program, please go to our website at www.konecu.com or call us at 309-734-6461 for assistance.

We hope that you and your families stay safe and healthy. If there is anything we can assist you with, please contact us. We are here to help!

Conquer YourMountain

Master your financial health and take advantage of our VISA balance Transfer Special

for 9 months when you transfer an existing balance to your KONE ECU credit card between 2/1/20 and 4/30/20. If you don’t carry our Visa card yet, now is the time to apply. Be sure to ask for our Balance Transfer Request form!

*APR=Annual Percentage Rate, subject to change. 1.99% APR Visa Balance Transfer Special available on balances transferred between February 1, 2020 and April 30, 2020 ONLY. Special rate applies only to balances transferred from another financial institution; our usual rates of 8.90% or 12.90% apply to all other transactions. Not a promise to lend; standard credit qualifications and some restrictions apply. Contact a credit union representative for complete details.

.99% APR*1

Members-Only Benefit:Learn how you could get a

COOL $200 CASH REWARD at LoveMyCreditUnion.org

CO-OP Shared Branch is a branch network across the country, with more than 6,000 credit union branches and self-service Shared Branch express terminals in all 50 states.

Our participation in the CO-OP Shared Branch network allows KONE ECU members to perform a range of transactions at other credit unions, including: • Deposits • Withdrawals • Loan Payments • Account Transfers • Official Checks • ATM Transactions

A Shared Branches locator is available under Quick Links at www.konecu.com.

Please be aware that participating credit unions may have limited lobby access and/or reduced drive-thru hours at this time.

Shared branches may offer an additional KONE location nearby

Visit www.konecu.com — for loan applications and information about

any of our services or accounts.

Location4502 27th Street, Suite K

Moline, iL 61265

PHonEtoll Free: 877-675-6237

Main number: 309-736-6461Fax: 309-757-0037

tELEPHonE HoURS8am-4pm Mon – Fri

HoURS LOBBY TEMPORARILY CLOSED Drive thru: 8am-5pm Mon – thu 7am-5pm Fri

E-MaiL konecu@konecu.com

cU@Home (onLinE banKing) www.konecu.com

LoSt/StoLEn ViSa cREDit caRD 800-325-3678DEbit caRD 800-523-4175

We are as close as the telephone or the internet.

Federally insuredby NCUA

Follow us on Facebook!

Look for us on the KonE inc intranet

StaY inFoRMEDPlease notify us when you have a new

address, email or phone number, so you continue to receive essential information

about your KONE ECU accounts.

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We are here to help each other

I/we hereby acknowledge and agree that both the referring member and the new member will be paid a $25.00 bonus at the opening of this account. By paying this bonus, the credit union will be sharing with the referring member that I/we have established an account with KONE Employees’ Credit Union; but no other non-public personal information will be shared with the referring member. For any bonus to be rewarded, the person being referred must not be an existing member of the credit union or have been a member within the last 6 months. All new accounts are subject to our standard approval process. A current member may receive multiple incentives for referring multiple new members who meet the criteria for membership and join the credit union. A new member may receive incentives by referring other new members who meet the criteria for membership and join the credit union. Referred member must present referral form and open a savings and/or checking account and open direct deposit and home banking. Once the new member qualifies for the bonus by meeting the criteria set forth, a $25 deposit will be made to the current member’s existing savings account and a $25 deposit will be made to the referring member’s existing savings account within 30 days. Members must be 16 years or older to qualify. Offer valid only through 12/31/20. Refer to our Schedule of Fees and Truth in Savings disclosure for complete details of fees and other conditions. Bonus can not be used for any portion of the minimum opening deposit. Bonus is considered a dividend and will be reported on IRS form 1099-INT. Program subject to change.

Current Member’s Name New Member’s Name

Email Email

Phone (daytime) Phone (daytime)

New Member Signature Date

Now more than ever, it’s important to share helpful resources. You probably know your credit union’s loan rates and fees are lower than most banks, and we offer reasonable rates on small loan amounts. Refer your family and friends to KONE ECU today, so they can experience the comfort of a financial community that puts people ahead of profits.

your referral will earn $25.00 and can refer new members to earn rewards, too!When you help your credit union grow, you benefit directly from the increased revenue, stability and emerging tech services at your financial institution. You own shares in the credit union — so our success is your success!

Do you know someone who could benefit? Now is the time to recommend our personalized approach and financial advantages to all your co-workers and family members.

Here’s how to claim your $25:It’s so easy! Just complete this referral form below and have your referral return it to us when they join! (Feel free to contact us for additional forms.)

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 members protect what matters most. Backed by decades of working in partnership with credit unions and their members, you’ll find products for life, car, AD&D, home and more.

TruStage offers straightforward information, real value, and assurance. And it’s only for credit union members like you.

To learn more or get quotes, visit trustage.com

TruStage: Insurance the credit union way