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What our members are saying When I moved to Harford County, my credit score was not so great. APGFCU helped me build up my credit and my savings.

Actual APGFCU member experience APRIL 2012 BUILDING STRONG FAMILIES FOR A STRONGER COMMUNITY Highlights of this issue: Page 2 Win a trip to the Olympic Games

Page 3 Free home buying guide APGFCU financing at the dealer Save money with MyTimes Page 4 A call to play ball Bel Air Kite Festival Q&A form for Annual

Account April 1-30, and we ll match your opening deposit up to $25¹.

$5 minimum to open a savings account for new members.

We may report to the IRS the value of any cash bonus and any applicable taxes are the responsibility of the recipient. 1. Googolplex (elementary high school) 2.

1 What our members are saying When I moved to Harford County, my credit score was not so great. APGFCU helped me build up my credit and my savings. Now, I m pre-approved for a mortgage! I m so grateful that you took the time to help me you re like my second family. Actual APGFCU member experience APRIL 2012 BUILDING STRONG FAMILIES FOR A STRONGER COMMUNITY Highlights of this issue: Page 2 Win a trip to the Olympic Games Discounts on engagement rings Need a gift idea? Page 3 Free home buying guide APGFCU financing at the dealer Save money with MyTimes Page 4 A call to play ball Bel Air Kite Festival Q&A form for Annual Meeting We offer kids of all ages a fun and safe place to learn about money with these free 24/7 online tools: Be a Super Saver Get up to $25 Open a new Youth Account April 1-30, and we ll match your opening deposit up to $25¹. Plus, all new account holders can stop in a branch and get a free gift (while supplies last). ¹Deposit bonus paid on accounts opened from April 1-30, $5 minimum to open a savings account for new members. Bonus of up to $25, paid at time of account opening, will be deposited into savings account and must stay in the account for 90 days. We may report to the IRS the value of any cash bonus and any applicable taxes are the responsibility of the recipient. 1. Googolplex (elementary high school) 2. Guides to Independence (middle high school) 3. FoolProof (high school young adult) Visit APGFCU.com to get started. Refer a Friend & Win Some Benjamins More referrals = more chances to win We re giving away two $100 Visa Gift Cards in April! The more new members you refer, the more chances you have to win. Share the wealth and the benefits of membership. Pick up a Referral & Entry Form in any branch or download one at APGFCU.com. For complete rules, visit APGFCU.com. You asked, we answered. Your website has a new look and easier navigation. Enjoy the new APGFCU.com. 1

Free Financial Guidance Want in-person help? Check out our free in-person workshops. Build a Better Budget Tuesday, April 10, 2012 6:00 p.m.

Learn to: Use a spending plan Identify spending leaks Set realistic goals Manage income

Save the date upcoming workshops Credit Finesse May 8 Find Hidden Cash May 22 Financial Life Skills June 12 Can t make it in? Check out our free 24/7 online tools.

2 Free Financial Guidance Want in-person help? Check out our free in-person workshops. Build a Better Budget Tuesday, April 10, :00 p.m. 8:00 p.m. Harford Habitat for Humanity Offices 205 Hays Street, Bel Air, Md Everything you need to build a better budget. Learn to: Use a spending plan Identify spending leaks Set realistic goals Manage income Manage expenses Reach those goals Reserve a space, call or workshoprsvp@apgfcu.com. Save the date upcoming workshops Credit Finesse May 8 Find Hidden Cash May 22 Financial Life Skills June 12 Can t make it in? Check out our free 24/7 online tools. Anytime Adviser BalanceTrack Debt in Focus FoolProof (high school adult) Googolplex (elementary high school) Guides to Independence (middle high school) Visit APGFCU.com, Advice & Education. Win a trip to the London 2012 Olympic Games More purchases = more chances to win When you use your APGFCU Visa Credit Card April 1 - May 31, 2012, you ll be automatically entered for a chance to go to the London 2012 Olympic Games. Two winners and a guest will receive: Roundtrip airfare Tickets to Olympic events Deluxe hotel accommodations And much more! For details, visit APGFCU.com. Save Money When You Buy Local Welcome Saxon s Diamond Centers Saxon s Diamond Centers offers APGFCU members: 15% Off Engagement Rings¹ 20% Off Wedding Bands¹ Get more value and more savings with Buy Local. Visit APGFCU.com for a list of merchants, discounts and details. ¹Offer good through September 1, Cannot be combined with any other offer. Visit APGFCU.com for complete details. NO PURCHASE OR OBLIGATION NECESSARY TO ENTER OR WIN VISA LONDON 2012 OLYMPIC GAMES SWEEPSTAKES. Non-Purchase Entries and Purchase Entries have an Equal Chance of Winning. Open to legal U.S. residents, 18 or older as of 4/1/12. PIN-based and ATM transactions are not eligible. Void in Puerto Rico and where prohibited. Sweepstakes ends 05/31/12. Sponsored solely by Visa U.S.A. Inc. For complete details on Non-Purchase Entries, see Official Rules at APGFCU.com or at visa.com/london2012promo. Lance Hersh, Saxon s Diamond Centers Give the Gift that Gives Back Plush dolls for sale Just in time for Easter, Mother s Day, and graduation! Treat a loved one while you help deserving local kids. A variety of plush dolls available. Only $5 each. All proceeds will benefit the Boys & Girls Clubs of Harford and Cecil counties. Stop in to purchase. Reminder! Manage your money 24/7 by phone for free with ABBY. Call or , and press 2. 2

3 Looking for Your New Home? Free home buying guide The decision to buy a home is a lot easier than the actual process of buying it. Take control of the process with FoolProof s Home Buying Guide unbiased advice to help you: Plan to buy Shop for a home Purchase a home Move into your new home Relocate To read the entire guide, visit APGFCU.com, FoolProof, Moneywise. For current mortgage rates, visit APGFCU.com. Already have a home? Learn about refinance options through the Home Affordable Refinance Program (HARP). Visit APGFCU.com, Mortgages. Looking for a New Car? Get APGFCU Financing at the Dealer We partner with over 70 dealerships in Maryland & Delaware to offer you credit union financing right in the dealer showroom. It s simple just follow these easy steps: Decide on the make and model of the vehicle you want. Visit a participating dealership and identify yourself as an APGFCU credit union member. Negotiate the price. Don t forget to take advantage of any available rebates or discounts. Apply for a low rate credit union auto loan right at the dealership. Insist on your credit union financing. Once you re approved, the dealer will complete the paperwork and send it to us for funding. And, you drive away in your new car, truck or van. For a complete list of local dealers, see the insert in this issue, or visit APGFCU.com. Before you buy your new car check out Anytime Adviser s free online new and used car buying guides. Visit APGFCU.com, Education & Advice. Also, see what Tina Mike, CUDE, has to say about FoolProof s Car Buying Guide on this page. MyTimes Helping you live the life you want We ll help you save and manage your money. 1. Free Checking with no minimum balance 2. Free ATM or Visa Check Card 3. Free notary service and signature guarantee 4. And much more.¹ ¹Benefits are subject to change without notice. View the complete list of free services, discounts and partners at APGFCU.com, MyTimes. Goles RBC Wealth Management 2 Retirement planning Long term care Fixed income investments And much more $1,000 of free Accidental Death & Dismemberment Insurance coverage through Affinion. 2 Investments offered through Goles RBC Wealth Management are not federally insured deposits of APGFCU or any other financial institution. They involve investment risk, including possible loss of principal. Have a Money Management Question? Ask Tina Mike, AVP Financial Education Certified Credit Union Development Educator, Credit Union National Association We found a home we love! How do we find a mortgage? Great news! We ll help you determine which home loan is the best for you. Before you call, check out FoolProof s MoneyWise Mortgage Guide, an unbiased guide to understanding the mortgage process, at APGFCU.com. How can I make social media safe for my teen? Good for you for taking action! Although it s fun, social media can expose personal information. Employers and colleges search social media sites, so inappropriate photos and comments can count against applicants. Check out these MoneyWise guides: 1. Is Your Whole Life Going on View on Facebook? 2. Facebook s Timeline is Being Pushed to All Users 3. Wireless Router Is Your Personal Information at Risk? What should we know before we buy a new car? First, get a pre-approved auto loan from APGFCU. If the new car is for a teen, ask about our first-time auto buyer s program.to get the best deal, check out these FoolProof articles: Car Buying Guide 12 Tips for First-Time Car Buyers A variety of auto buying articles Do you have a money management question? Submit your question(s) to MoneyQ&A@apgfcu.com. Questions and answers may appear in future newsletters. We will not publish member information. 3

4 4 A Call to Play Ball 11/12U baseball teams On Saturday, August 4, 2012, APGFCU will host our annual Community Invitational at Ripken Stadium in Aberdeen. We re looking for 11/12U baseball teams to participate. To qualify, baseball teams must be: 11/12 ages Registered in Harford or Cecil County Hurry it s first-come, first-served. Requests due by Thursday, May 31, To register, playball@apgfcu.com. P.S. The tournament is open to baseball and softball teams, but we ve already reached the limit on softball teams. Thank you. Bel Air Kite Festival Fun for kids of all ages APGFCU is proud to sponsor the annual Bel Air Kite Festival. Free kites¹, great music, and food for purchase. Rockfield Park, Bel Air Saturday, April 14 10:00 a.m. 4:00 p.m Rain date is Sunday, April 15. ¹While supplies last APGFCU Annual Meeting Do you have a question? We ll officially swear in the new board of directors and distribute the annual financial reports. Experience the credit union difference. Visit APGFCU.com for directions. Enjoy refreshments and prizes, too APGFCU Annual Meeting Q & A Submission Thursday, April 19, 2012, 6:00 p.m. (Doors open at 5:00 p.m.) Richlin Ballroom in Edgewood, Maryland Want to ask your Board a question? If you feel many members will benefit from having your question answered from the podium, please write it down on the form below and hand it to any APGFCU staff member BEFORE 5:45 p.m. We will address as many questions as time allows. If your question cannot be immediately answered, we ll research it and get back to you. Question: (please print or write clearly) Name (optional): Phone (optional): Mailing Address P.O. Box 1176, Online Banking Mobile Banking Mobi.APGFCU.com Phone Banking/Teléfono Bancario , press , press 2 Loan Applications , press , press 4 Member Service Center Mon-Fri 8:00 am-8:00 pm ET Sat 9:00 am-1:00 pm ET , press , press 4 TTY: Home Loan Center 321 S. Main St., Bel Air The new hours are Monday Thursday 8:00 am-5:30 pm and Fridays 8:00 am-6:00 pm ET LOAN-391 ( ) BALAnCe SM Financial Fitness FREE Financial Management Advice Toll Free: Branch Locations ABERDEEN Beards Hill Rd. & Rt. 22 AMYCLAE 1200-A Agora Dr., Bel Air APG Chesapeake Ave. & Oakington St. BEL AIR 321 S. Main St. EDGEWOOD 1321 Pulaski Hwy. ELKTON 1204 E. Pulaski Hwy. FOREST HILL 2010 Rock Spring Rd. HAVRE DE GRACE 1045 Pulaski Hwy. LAUREL BUSH 2113 Laurel Bush Rd., Bel Air NORTH EAST 2011 West Pulaski Hwy. ABA Routing & Transit number Supply this number to arrange Electronic Fund Transfers Operating Statistics As of February 29, 2012 Assets... $899,922, Shares... $799,083, Loans... $594,760, Members... 94,536 APGFCU is not affiliated with any non-apgfcu Internet sites listed in this newsletter. These sites are provided as reference only. APGFCU makes no representations about the content on these sites or subsequent links from those sites. Call Federally insured by NCUA EQUAL HOUSING LENDER Click Come In

Get Your APGFCU Car Loan at the Dealer APGFCU has partnered with the following participating dealerships to offer you credit union financing right in their showroom.

5 Get Your APGFCU Car Loan at the Dealer APGFCU has partnered with the following participating dealerships to offer you credit union financing right in their showroom. It s simple for you and the dealer to use. Follow these easy steps. 1. Decide on the make and model of the vehicle you want. 2. Visit a participating dealership and negotiate the price. Don t forget to take advantage of any available rebates or discounts. 3. Identify yourself as an APGFCU member. 4. Apply for a low rate credit union auto loan right at the dealership. Insist on your APGFCU financing. Once you re approved, the dealer will complete the paperwork and send it to us for funding. You simply drive away in your new car, truck, or van. Adams Chevrolet 1517 Pulaski Highway Havre de Grace, MD Bel Air Honda 1800-A Bel Air Road Carman Ford, Inc. 193 South DuPont Highway Enterprise Car Sales Pulaski Highway White Marsh, MD Adams Jeep of Maryland 3485 Churchville Road Bel Air Subaru 1506 Belair Road Carman Lincoln Mercury 189 South DuPont Highway Frankle Acura York Road Adams Suzuki 2203 Bel Air Road Bill Kidds Toyota/Volvo York Road Chesaco RV 911 Pulaski Highway Joppa, MD Frankel Land Rover York Road Hunt Valley, MD Al Packer Ford White Marsh 9801 Pulaski Highway Baltimore, MD BMW of Bel Air 1705 Conowingo Road Chesapeake Cadillac-Jaguar York Road Heritage Cadillac 716 Bel Air Road Anchor Buick/GMC 1 Automotive Boulevard Elkton, MD BMW of Towson 700 Kenilworth Drive Towson, MD Chesapeake Harley-Davidson 4600 Thunder Court Darlington, MD Heritage Chevrolet/Buick Reisterstown Road Anderson Automotive Group 115 W. 25th Street Baltimore, MD Bob Bell Chevrolet of Bel Air 1230 Bel Air Road Cook Motorcars 1136 S. Philadelphia Boulevard Heritage Chrysler/Jeep/Dodge 9219 Harford Road Anderson Honda York Road Bob Bell Chevrolet Baltimore 1 Kane Street Baltimore, MD Cook Volkswagen of Bel Air 2100 Bel Air Road Heritage Chrysler/Jeep/Dodge Reisterstown Road Anderson Chevrolet/GMC York Road Boyle Buick/GMC 3115 Emmorton Road Abingdon, MD Days Truck Center 1018 Pulaski Highway Joppa, MD Heritage Honda 9213 Harford Road Auto Werkes Inc 1909 Belair Road Carman Chrysler/Jeep/Dodge 196 South DuPont Highway Don White Timonium Chrysler/Jeep/Dodge York Road Heritage Mazda 710 Bel Air Road

Heritage Mazda Owings Mills 11212 Reisterstown Road 410-356-2277 J P Chevrolet 101 N.

6 Heritage Mazda Owings Mills Reisterstown Road J P Chevrolet 101 N. Philadelphia Boulevard Norris Ford 901 Merritt Boulevard Dundalk, MD Russell BMW 6700 Baltimore National Pike Baltimore, MD Heritage Subaru Volkswagen 9808 Reisterstown Road Keene Dodge/Chrysler/Jeep 3707 Norrisville Road Jarrettsville, MD Norris Honda 925 Merritt Boulevard Dundalk, MD Russell Toyota 6324 Baltimore National Pike Baltimore, MD Heritage Volkswagen 9219 Harford Road Koons Chevrolet Philadelphia Road Baltimore, MD Norris Nissan West 8569 Baltimore National Pike Ellicott City, MD Sheridan Ford Sales 4001 Kirkwood Highway Wilmington, DE Hinder Ford 505 Philadelphia Boulevard Jerry s Chevrolet 1940 E. Joppa Road Jerry s Imports 1906 E. Joppa Road Jerry s Toyota 8001 Bel Air Road Baltimore, MD Jones Chrysler/ Toyota/Jeep/Dodge 1510 Bel Air Road Jones Kia 2001 Bel Air Road Jones Nissan/Hyundai 1506 Bel Air Road Jones Used Cars 1413 Bel Air Road Leos Vacation Center RV 729 MD Rt. 3 North Gambrills, MD Lexus of Towson 1040 York Road Towson, MD Martin Honda 298 E. Cleveland Avenue Martin Mazda 298 E. Cleveland Avenue Matt Slap Subaru 255 E. Cleveland Avenue MINI of Baltimore County 9804 Reisterstown Road Newark Chrysler/Jeep/Dodge 244 East Cleveland Avenue Newark, DE Norris Acura West 8559 Baltimore National Pike Ellicott City, MD Nu Car Connection 147 N. DuPont Highway Nu Car Buick/GMC 250 E. Cleveland Avenue Paradise Motors of Elkton 929 W. Pulaski Highway Petes Cycle Baltimore 7511 Bel Air Road Baltimore, MD Petes Cycle Bel Air 344 Bel Air Road Plaza Ford 1701 Bel Air Road Ramsey Ford of Elkton 560 E. Pulaski Highway Ramsey Ford/Lincoln 1233 Telegraph Road Rising Sun, MD Sheridan Nissan LLC 114 South DuPont Highway Thompson Chrysler/Jeep/Dodge 1102 Pulaski Highway Edgewood, MD Thompson Chrysler/Jeep/Dodge 124 Old North Point Boulevard Baltimore, MD Thompson Hyundai 1307 Merritt Boulevard Baltimore, MD Thompson Mazda 1000 Merritt Boulevard Baltimore, MD Thompson Toyota/Scion 1101 Business Center Way Edgewood, MD Williams Chevrolet 2 Automotive Boulevard Williams Family Automotive 3 Automotive Boulevard Visit the Auto Center at View a current list of participating dealers. Apply for your next vehicle loan. Build your perfect car online and see how it compares in cost. Check current loan rates. Use our calculators to figure out your payments. Check out other great tools to make car buying easier. Call Click Come by 10 Convenient Branches

Stevens Creek Boulevard

FOR LEASE 5000-5090 Stevens Creek Boulevard SAN JOSE CA 1.91 ACRES OF LAND (±83,199 SF) Automotive Dealership Site Colliers International - Silicon Valley 450 West Street, CA 95113 John Machado D: +1 408