Does Your Home Need a Makeover?It’s a great time for those home upgrades you’ve been putting off. Now that winter is here, contractors have more time to give you that new kitchen you’ve always wanted, or maybe you’d prefer a spa-inspired bathroom to relax in. Whatever your needs, Cecil County School Employees’ Federal Credit Union has the answer with a low-rate Home Equity Loan. With rates as low as 4.50%APR* you’ll have the funds needed to get your home into shape. In addition, you can also benefit from a deduction at tax time**!

Call us at (410) 398-6921, stop in to one of our locations, or visit us online at www.ccsefcu.org to apply today.

Start Off the New Year Right with Paperless eStatementsGogreenin2018andmakethemostofyourCCSEFCUaccounts with paperless eStatements*. Simply sign up for our Home Banking service, where you can view your account histories, check your balances, transfer funds between accounts, and more. Let this New Year’s Resolution keep you organized and prevent the paper from piling up for good!

*Members will only be able to view statements from the month AFTER they sign up.

Federally Insured by NCUA

Please note that the Credit Union will beclosed in observance of the following holidays:

Office Closings

Easter HolidayMarch30&April2,2018

Memorial DayMay28,2018

Martin LutherKing, Jr. DayJanuary15,2018

Annual Meeting February1,2018Closing at 4:00 p.m.

Presidents’ Day February19,2018

Cecil County School Employees’ Federal CreditUnion–Established1953

Hours and LocationsElkton Branch203BoothStreetElkton,MD21921(410)398-6921•Fax:(410)398-0032School Year Hrs: 8:00a.m.to4:30p.m.

NorthEastBranch3135BiggsHighway,Suite#7NorthEast,MD21901(410)287-8060•Fax:(410)287-8176School Year Hrs: M-Th:8:00a.m.to4:30p.m.Fri:8:00a.m.to5:30p.m.

TellerLine Online(800)388-8380 www.ccsefcu.org

Test Your Knowledge ofFinancial Basics: Part 3 (Continued)

Questions and answers prepared by Broadridge Investor Communication Solutions, Inc. Copyright 2017. Securities offered through Cambridge Investment Research, Inc., a broker/dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc. a Registered Investment Advisor. The Kelly Group and Cambridge are not affiliated. Cambridge does not provide legal or tax advice or services. Not NCUA insured, not credit union guaranteed, may lose value. 48-54 East Gordon Street, Bel Air, MD 21014.

Answers

1. a. The primary benefit of a Roth IRA is that it provides tax-free income in retirement. Contributions are subject to income limits and are never tax deductible. Withdrawals may be made after a holding period of five years, provided they are “qualified.” A qualified withdrawal is one made after the account holder dies, becomes disabled, or reaches age 59 ½, or one in which the account holder withdraws up to $10,000 (lifetime limit) for a first-time home purchase.

2. d. Because different organizations calculate credit scores based on various factors, there is no single agreed-upon definition of what constitutes a “good” score. Generally, though, a score of 700 or above would likely reflect favorably on someone applying for credit.

3. b-False. Mutual funds combine the money of many different investors in a portfolio of securities that’s invested in pursuit of a stated objective. Because of this “diversification,” mutual funds are typically a good way to help manage risk. However, the level of risk inherent in any mutual fund depends on the types of securities it holds. You should always choose a mutual fund carefully to make sure its objective aligns with your own investment goals. Read the fund’s prospectus carefully, as it contains important information about risks, fees, and expenses, as well as details about specific holdings.

4. b-False. Although retirement may be decades away, investing for retirement now is a smart move. That’s because even small amounts – say just $50 per month – can add up through the power of compounding, which is what happens when your returns eventually earn returns themselves. This means your money goes to work for you!

If you would like more information about the content of this article, please contact The Kelly Group’s ServiceTeamat410-893-0560.

CECIL COUNTY SCHOOL EMPLOYEES’ FEDERAL CREDIT UNION PRIVACY POLICYFACTSFinancial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

•SocialSecuritynumberandaccountbalances•credithistoryandcreditscores•incomeandpaymenthistory

All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members’ personal information; the reasons CCSEFCU chooses to share; and whether you can limit this sharing.

Why?

What?

How?

•Call410-398-6921•Visitusonline:www.ccsefcu.orgor

Please note:Ifyouareanewcustomer,wecanbeginsharingyourinformation30daysfromthedatewesentthisnotice.Whenyouare no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Call410-398-6921orgotowww.ccsefcu.org

To limit our sharing

Questions?

Who is providing this notice?

How does CCSEFCU protectmy personal information?

How does CCSEFCU collect my personal information?

Why can’t I limit all sharing?

What happens when I limitsharing for an account I holdjointly with someone else?

Who We Are

What We Do

CCSEFCU means Cecil County School Employees’ Federal Credit Union.

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

We collect your personal information, for example, when you•openanaccountorapplyforaloan•useyourcreditordebitcardorprovideemploymentinformation•makedepositsorwithdrawalsfromyouraccountWe also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Federal law gives you the right to limit only•sharingforaffiliates’everydaybusinesspurposes–informationaboutyourcreditworthiness•affiliatesfromusingyourinformationtomarkettoyou•sharingfornonaffiliatestomarkettoyouState law and individual companies may give you additional rights to limit sharing.

Your choices will apply to everyone on your account.

Reasons we can share your personal information Does CCSEFCU share? Can you limit this sharing?

For our everyday business purposes – such as to process your transactions, maintain youraccount(s), respond to court orders and legal investigations, or to report to credit bureaus

For our marketing purposes – to offer our products and services to you

For joint marketing with other financial companies

For our affiliates’ everyday business purposes – information about your transactions and experiences

For our affiliates’ everyday business purposes – information about your creditworthiness

For nonaffiliates to market to you

Yes

Yes

Yes

No

No

No

No

Yes

Yes

We don’t share

We don’t share

We don’t share

Affiliates

Nonaffiliates

Joint Marketing

DefinitionsCompanies related by common ownership or control. They can be financial and nonfinancial companies.•CCSEFCUhasnoaffiliates.

Companies not related by common ownership or control. They can be financial and nonfinancial companies.•Nonaffiliateswesharewithcanincludegovernmentagencies,plasticcardprocessors(credit/debit/ATM),consumer reporting agencies, and check/share draft printers.

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.•OurjointmarketingpartnersincludeCUNAMutualGroup’sTruStage.

*The rates stated above available on approved credit. Rates may be different as determined by the individual creditworthiness of each applicant. Not all applicants will qualify for the lowest rate.**Please consult with a tax advisor.

4.50%APR*

Home Equity LoanRates as low as