8/2/2019 Connections, March 2012 Newsletter

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Committed to deliver the service experience youdeserve

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letter from the president

Alliant Board o Directors

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Alliant is probably best known or its superior nancial value

everyday great rates and low ees. And that reputation is

certainly well deserved. Alliants deposit rates are always

among the highest available, and our loan rates are consistently

below market.

But there is more to Alliants mission than price. We are also

committed to providing members with an exceptional service

experience. We understand that consumers are looking or

value and service rom their nancial providers. Service is

the competitive high ground, the oundation o deep, durable

relationships. More importantly, as a member-owned institution, providing thebest possible service is simply the right thing to do.

Doing business with Alliant shouldnt be a hassle. Were constantly examining

our procedures and processes to make them more ecient, timely and transparent

or members. This year were redesigning our new member application and loan

origination processes to signicantly improve member experience online.

When dealing with our Service Centers or calling our 24/7 Member Contact Center,

members should expect Alliant employees to be riendly, helpul and eective.

And members should also expect exceptional service through our remote channels.

We continue to enhance Alliant Online Banking to enable members to conduct

virtually any business remotely, i they choose. In 2011, we added the ability to

do beneciary maintenance, ATM/debit card management and uture dated loan

payos. This year well be making major improvements to joint account access.

An increasing number o members want to access their Alliant accounts through

mobile phones, and we are committed to supporting their ability to conduct business

anytime, anywhere. We oer mobile apps or iPhone and Android devices,

and last year introduced a mobile optimized website. Soon, members will be able

to deposit checks using their phones camera eature.

Our eorts to improve service are bearing ruit. In 2011, 65% o members who

responded to Alliants monthly satisaction survey said they were extremely

satised with Alliant, an increase o two percentage points rom the prior year.

But that still leaves a lot o room or improvement, and we wont rest in our quest

to deliver the experience that our members deserve.

David W. Mooney

President/CEO

Marc KrohnChairperson

Scott PravenVice Chairperson

David W. MooneyPresident & Treasurer

Steve SpiegelSecretary

Todd ChristyTed DavidsonJohn GeboShirley Jones

Alex MarrenAnne PeaseEd Rogowski

6 London calling

ofceclosingsAlliantmain ofcesand ServiceCenterswillbeclosedinobservanceotheollowingholidays:

MemorialDayMonday,May28,2012

IndependenceDay Wednesday,July4, 2012

convenient24/7/365accountaccess

Onlinebankingatwww.alliantcreditunion.org

Mobilebankingappfor iPhoneandAndroid

SelfServiceTelephoneat800-482-5328

MemberContactCenterat 800-328-1935

Over80 ,000surcharge-free ATMs

AlliantMemberContactCenter800-328-193524/7personal service

tdd/tty773-462-2300

SelServiceTelephone(SST)800-482-532824/7automated accountaccess

VISA DebitCardLost/Stolen:800-328-1935

VISA CreditCardsTospeaktoanAlliantRepresentative800-328-1935, x2302MonFri,7am5pmCTAfterHours:866-444-8529Lost/Stolen:866-444-8529

VISA GitCardPurchase:800-328-1935 SupportCenter: 866-466-2362

MortgageHotline800-328-1935 Pressoption5, thenoption1MonFri,8am5pm CT

Auto/HomeInsurance888-380-9287 MonFri,6am10pm CTSat,6am8pmCT

GreenPath Debt Solutions877-337-3399MonThu, 7am9pm CTFri, 7am6pm CTSat, 8am5pm CT

2012 2011

$7,798,127,090 $7,255,497,883

$3,323,587,808 $3,352,286,374

$6,967,179,309 $6,452,606,060

$781,686,783 $731,027,276

2 77 ,8 22 2 80, 83 2

FEBRUARY

Net Assets

TotalLoans

TotalDeposits

TotalReserves

TotalPrimary

Members

fnancial update Alliant rate board

EFFECTIVE APRIL 1, 2012

Deposits(% as high as) Rate APY*Savings 0.946 0.95

High Rate Checking 0 .896 0.90

Certicates 1.785 1.80Health Savings (HSA) 1.490 1.50

AS OF MARCH 22 , 2012Loan Rates

(% as low as) Rate APR*New Vehicle 1.99

Used Vehicle 1.99Student Loan 4.50

5/1 ARM 2.625 3.3307/1 ARM 2.875 3.332

30 Yr xed mortgage 4.25 0 4.306*APY=AnnualPercentageYield.APR=AnnualPercentageRateCertifcateratesas oMarch22, 2012

IMPORTANT:Rates mayhave changedsincethis newsletter

waspublished.Visit www.alliantcreditunion.org orcall

800-328-1935 orcurrentrates.

Dividendsaresubjecttochangemonthly.

Loanapproval,APRanddownpaymentrequiredbasedoncreditworthiness,collateral,paymentmethodandabilityto repay.Rates,termsandconditionssubjecttochange.Otherrequirementsapply.Seeour websiteortalkto aMemberServiceRepresentativeordetails.

Thisnewsletterisor memberspersonaluseonly.Reproducingand/orsellingthecontentsothis newsletterwithoutpriorwrittenpermissionrom Alliant

CreditUnionisprohibited.CopyrightAlliant. ArticlesarepreparedasaneducationalserviceorAlliantmembers.Theyshould notbereliedon asasubstituteorindividualfnancialor legalresearch.Articlesinthis newsletterarenotintendedto beused(andmay notbereliedon) orpenaltyavoidance.

u v i e e lly i u e t t le t ,c ke y t e u ll i t c e i t t e

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Yoursavingsfederallyinsuredtoat least$250,000andbackedbythe fullfaithand creditofthe

UnitedStatesGovernment

NationalCreditUnionAdministration,aU.S.GovernmentAgency

NEW256-R03/12

Alliant headquarters

11545 W. Touhy Avenue, Chicago, IL 60666

PO Box 66945 Chicago, IL 60666-0945

www.alliantcreditunion.org

AlliantRetirementandInvestmentServicesFinancial Advisors are available

to serve members in AZ, CA, CO,FL, HI, IL, NJ, NY, TX, VA, WA, WI.Call 800-328-1935, option 9.

Deposits/PaymentsPO Box 2387Des Plaines, IL 60017-2387

Credit Card PaymentsPO Box 1666Des Plaines, IL 60017-1666

AllOtherCorrespondenceincludingIRAandHSA depositsPOBox66945Chicago,IL 60666-0945

Formoreinormationvisit:www.alliantcreditunion.org.

You could win a trip to the London2012 Olympic Games, thanks to VISA

Why watch the London 2012 Olympic Games on TV when you have a chanceto win a abulous trip courtesy o VISA? VISA and Alliant Credit Union want youto experience the games live. You could travel to London, England, and attend

the London 2012 Olympic Games.

Turn your everyday purchases into a chance to win.* Sign when you use your

Alliant VISA credit card, between February 1, 2012, and April 30, 2012, and you willbe automatically entered or a chance to win* a trip or two to the London 2012Olympic Games!*

Visit www.alliantcreditunion.org or ofcial rules and complete details. The VISALondon 2012 Olympic Games Sweepstakes or PSCU Financial Services credit cardusers is sponsored by VISA U.S.A. Inc.

*NO PURCHASE OR OBLIGATION NECESSARY TO ENTER OR WIN. Non-PurchaseEntries and Purchase Entries have an Equal Chance o Winning. Open to legal

U.S. residents, 18 and older as of 02/01/12. For details on Non-Purchase Entries,visit www.alliantcreditunion.org or Ofcial Rules & complete details. Void whereprohibited. Sweepstakes ends April 30, 2012.

www.alliantcreditunion.org th

ccontents

Check out Alliants MoneyMattersaward-winning videos on YouTube

Stay on top o your fnances withree Alliant Online Banking andree Bill Pay

Holding equities or the long term:Time vs. timing

Earn a college scholarship!

Make your 2011 IRA contributionsby April 17, 2012

Its a bird, its a plane no its afastAlliant wire transer!

Letter rom the President

You could win a trip to the London2012 Olympics Games, thanks toVISA

NEW DIVIDEND

April Savings Dividend

DECLAREDFEBRUARY16,2012

TheApril 2012 Savingsand IRA dividend,declared

02/16/12,providesa Compounded

AnnualPercentageYieldo

0.95%APY

Dividendsarepaid onthe

lastdayo themonthto

accountholderswho have

maintainedanaveragedaily

balanceo $100or more.

Savingsdividendissubjectto

changemonthly.

April Checking Dividend

DECLAREDFEBRUARY16,2012

TheApril 2012 High RateChecking dividend,declared02/16/12,providesa Compounded

AnnualPercentageYieldo

0.90%APYCheckingdividendsarepaidon

thelastdayo eachmonthto

accountholderswhomeetthe

requirementsotheaccount.

Checkingdividendis subjectto

changemonthly.

8/2/2019 Connections, March 2012 Newsletter

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Legendary investor Warren Buett isamous or his long-term perspective.He says he likes to make investmentshe would be comortable holding eveni the market shut down or 10 years. Itcan be challenging to have Buett-likepatience today. Times like these canrazzle the nerves o any investor, eventhe pros. But with stocks, having aninvesting strategy is only hal the battle.The other hal is sticking to it.

Just what is long term?Your denitiono long term is crucial, and dependson your individual nancial goals andwhen you want to achieve them. A70-year-old retiree may have a shorterlong term than a 30-year-old savingor retirement. Meanwhile, its instruc-tive to look at various holding periodsor equities over the years. Historically,the shorter your holding period, thegreater the chance o experiencing aloss. In the long term, equities typicallyoutperorm bonds, cash and infation.The odds o achieving a positive returnin the stock market have been muchhigher over a ve- or 10-year periodthan or a single year, though pastperormance is no guarantee o utureresults.

Keeping yourself on track. Havingpredetermined guidelines that anticipate

turbulent times can help prevent

emotion rom dictating your decisions.Even i youre not a buy-and-holdinvestor, a trading discipline can helpyou stick to a long-term plan. And,remember that everythings relative.Most o the variance in the returns odierent portolios is based on theirrespective asset allocations. And solidasset allocation is still the basis o goodinvestment planning.

I youre retired and worried about amarket downturns impact on yourincome, think beore reacting. I yousell stock during a period o allingprices simply because that was youroriginal game plan, you might notget the best price. Moreover, that salemight also reduce your ability to gener-ate income in later years.

Use cash to help manage your mindset.Having some cash holdings can bethe nancial equivalent o taking deepbreaths to relax. It can enhance yourability to act thoughtully insteado impulsively. An appropriate assetallocation can help you have enoughresources on hand to prevent havingto sell stocks at an inopportune time.Knowing that youre positioned totake advantage o a market swoon bypicking up bargains may increase yourability to be patient.

3 making a plan and sticking to it 4 fo

Holding equities or the long term:Time vs. timing

Stay on top o your nances with reeAlliant Online Banking and ree Bill Pay1

www.alliantcreditunion.org

Presented by

Alliant Retirement

and Investment

Services Advisors

Thomas Brunz,

Shaun Floresca,

Nicholas Hamilton,

Matt McMillon,Alexandra Mendoza,

Giacomo Parente,

CFP* and

Terence Powell

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Representative is neither a tax advisor nor attorney. For inormation regarding your specifc tax situation,please consult a tax proessional. For legal questions, including a discussion about estate planning,please consult your attorney.

CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investmentadvisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (866) 512-6109. Non-deposit investment prod-ucts and insurance products are not ederally insured, involve investment risk, may lose value and arenot obligations o or guaranteed by the fnancial institution. CBSI is under contract with the fnancial in -stitution, through the fnancial services program, to make securities available to members. *CFP=CertifedFinancial Planner. The CFP certication is not afliated with CBSI. FR021206-5A4D

Prepared by Broadridge Investor Communication Solutions, Inc. Copyright 2011

1 An Alliant checking account or Health Savings Account (HSA) is required or use with Alliant Bill Pay. There are no ees to maintain a Bill Payaccount. However, i incurred, applicable ees will apply. Please reer to the Alliant Fee Schedule at www.alliantcreditunion.org/services/ees/ ora list of these types of fees. Fees may reduce earnings on the accounts. 2 Funds cannot be withdrawn or transferred in or out of IRAs. 3 Excludescash advances rom VISA credit cards. 4 You must meet certain criteria to qualiy or eDeposit and eDeposit Plus. Alliant members will see theDeposit Check Online link on the right side of the screen after logging in to Alliant Online Banking. Members who qualify for eDeposit serviceswill be able to enroll immediately. Limitations apply. 5 Your credit score will be updated quarterly. This does not impact your credit rating. Not allmembers will have a credit score available. You can opt out at the credit score details at www.alliantcreditunion.org.

Visit www.alliantcreditunion.org or call 800-328-1935,

option 9 about a no-cost, no-obligation fnancial

planning session.

RETIREMENT AND

INVESTMENT SERVICES

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Its your money ater all, so you should have access to it

whenever you want it, wherever you are through AlliantOnline Banking. And you do. Last year, we enhancedour system in several major ways. So i you arent oneo the 100,000 Alliant members who regularly use ouronline banking system, now is a good time to give it atry and/or enjoy the ull benets o it.

With Alliant Online Banking, you can access yourAlliant accounts rom the Internet to:

View up-to-date account inormation, electronicimages o your cleared checks (i you have anAlliant checking account) and monthly accountstatements (eStatements) or the last 18 months

Make instant and uture transers between yourAlliant accounts, and to other member accounts 2

Make ree transers to accounts at other nancialinstitutions3 (many banks charge or this service)

Deposit checks online to your account viaeDeposit or eDepositPlus4

Set up email account alerts to monitoryour accounts

Apply or consumer, home equity and studentloans and an Alliant VISA credit card

Open other accounts, including a Certicateor checking account

Request a withdrawal check and have itsent to you2,3

Download your transaction inormationinto nancial management sotware, suchas Quicken, or use Alliants PersonalFinancial Management (PFM) tool to manageall your Alliant account activity

Access tax return documents

View your credit card activity, make payments toyour Alliant credit card, perorm cash advances,pay-o other credit cards with a balance transerand view your credit card reward points

Plus, i you have an Alliant checking account, you canenjoy the power and convenience o our free Bill Pay1service to pay all your bills online and schedule recur-ring payments to ensure your bills are paid on time,every time.

And did you know you can get your credit score orree through Alliant Online Banking? Thats right. Usethe credit score provided on Alliant Online Banking tohelp you monitor and improve your creditworthiness.5

Mobile banking access when youre on the go

Alliants mobile banking application makes it easy andconvenient or you to manage your nances. Use it to:

View account balances and transaction inormation

Pay bills

View images o your cleared checks

Transer money between your Alliant

accounts and your authorized othermember accounts

Connect with Alliants social media siteson Facebook and Twitter

Find a nearby ATM

Alliant mobile banking works with iPad, iPhonesand Android devices. Plus, i you use other smart-phones, such as a BlackBerry, you can log in to Alliantsmobile website at mobile.alliantcreditunion.com.

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