TIC FEDERAL CREDIT UNION
STATEMENT OF COMMITMENT TO MEMBERS

As a member-owned, not-for-profit financial cooperative, TIC Federal Credit Union is committed to our members. We will uphold our fundamental responsibility to actively serve people within our field of membership, and as appropriate, the communities they live in. We will treat all members with respect and dignity and we will offer honest, fair deals to all members at all times. We will deliver a range of low-cost products and services to the diverse economic and social make-up of our members and potential members. We will look for better ways to reach out to the un- or under-served in our field of membership. And we will continually, in all facets of operations, demonstrate the value of membership in TIC Federal Credit Union.

1. Scottie Savers - This program is for children 12 years of age or younger. Promotes savings and good money management for youth, offers special education fun in a newsletter called Scottie Savers Chronicle. (Penny, our mascot, is a Scottish Terrier.)
2. Xtreme Savers - This program is for teenagers 13-17 years of age. Promotes the importance of good money management for teens. Special discounts at select area retailers are also available.
3. Prime Club - Targets mature adults 50 and older with financial advice, preferential savings rates, free checks for checking accounts, unlimited regular traveler's checks and cashier's checks, and other low-cost or no-cost services, such as a discounted safe deposit boxes.
4. Debit Card - This service provides our members with the ability to make cash purchases without writing a check. The debit card looks and works similar to a credit card, except the money used to pay for purchases comes out of their checking account, so they are never left with a finance charge.
5. eBranch and Bill Pay - Gives our members real-time access to their accounts 24 hours a day, 7 days a week from anywhere in the world. Members can conduct all of their financial transactions from the comfort of their home or office.
6. MTS (Member Touchtone Service) - With a touch-tone telephone, members can access their account(s) 24 hours a day. MTS allows members to get account balances, transfer money, apply for a loan, get quotes on savings and loan rates and more. There is no charge for this service. Members out of our local calling area can use our convenient toll-free number.
7. FHA and VA Housing Loans - TIC Federal Credit Union offers these types of home loans in addition to conventional mortgages, 5 and 7-year Balloon Loans, Jumbo Loans, Construction Loans and Nonconforming Loans.
8. Member Financial Services - This is an investment program that offers unique financial and investment services to members such as mutual funds, annuities, stocks, etc.

1. Home Buying Seminars - Each year TIC Federal Credit Union sponsors a home buying seminar to assist first-time home buyers.
2. Financial Investment Seminars - TIC Federal Credit Union, through Members Financial Services, provides its members with ongoing investment education, such as annuities in retirement, investing fundamentals and mutual funds.
3. Car Buying Class - Throughout the year TIC will provide members with the tools they need to make an informed purchase of a new or used automobile.
4. Quarterly Newsletter - Each quarter our newsletter contains valuable education for members related to credit union uniqueness and philosophy, important issues, and other timely topics. We are committed to providing this financial tool to all of our members.
5. Web Site - TIC Federal Credit Union's Web site contains valuable consumer buying information for all major purchases. It also provides assistance in investment programs, valuable links to auto price guides, and current credit union issues.
6. Employee Orientation - TIC Federal Credit Union provides a comprehensive employee orientation that emphasizes the uniqueness of credit unions compared to other types of financial service providers.
7. TIC provides employees with training courses to achieve excellence in sales and service. These courses ensure our employees are provided with the tools and knowledge needed to provide excellent customer service.

1. Make annual meetings more accessible in order to accommodate the majority of members.
2. Set Board and Committee attendance standards.
3. Educate the members, staff, Board and the community about the uniqueness of credit unions, specifically the importance of volunteer leadership and democratic elections.
4. Instruct Nominating Committee to actively seek wider member representation on credit union Boards and Committees.
5. Liaison group made up of Charter Company representatives.
6. Provide special training for members on the Board of Directors and other volunteer committees.