Changes to Debit Card Program

CALENDARVeterans Day - CLOSED Monday, November 12 Thanksgiving Day - CLOSED Thursday, November 22

Christmas Eve - ALL OFFICES CLOSE AT 1:00p.m. Monday, December 24

Christmas Day - CLOSEDTuesday, December 25

New Year’s Day - CLOSEDTuesday, January 1

ONLY FROM ENRICHMENT

EXCEPTIONAL CHECKING

MONEY NEWSOCTOBER-NOVEMBER-DECEMBER 2018

NO MONTHLY

FEES

FREEMASTERCARD

DEBITCARD

FREEMOBILEACCESS

FREEONLINEBILL PAY

FREEONLINEBANKING

Enrichment has an Exceptional Checking account for our Extraordinary members! Our Exceptional Checking is loaded with benefits and pays a competitive rate at 2.00% Annual Percentage Yield. Exceptional Checking offers such benefits as:

A minimum balance of $300 is required to receive the 2.00% APY. Balances that drop below $300 receive no dividends. The APY of 2.00% is good for the first $5,000 deposited. Standard checking APY will apply to any balance over $5,000. To receive the 2.00% APY, the account must have Direct Deposit, eStatements, and must perform a minimum of 15 signature-based transactions per month. Some restrictions apply. Call or visit us soon for more information!

AND MORE!

Effective October 2018, Enrichment Federal Credit Union partnered exclusively with Mastercard. Mastercard is widely accepted in over two hundred countries. Among the many benefits of your new Mastercard Debit are:

• Extended Warranty• Price Protection• Satisfaction Guarantee

• Zero Liability• Identity Theft Resolution• Mastercard Global Service

Don’t worry about your Scorecard Reward Points, you will not lose them! You will be able to redeem your points as normal by going to www.scorecardrewards.com until 12/31/2018. Effective 01/04/2019, you will redeem your points through our new rewards program at www.curewards.com for merchandise, travel, gift cards, and Credit Union products.

Even more exciting is the new Cash Back Rewards program! With purchases on your Mastercard Debit, you will receive monthly Cash Back of 1/4% on all signature-based transactions, a maximum benefit of up to $15.00 per month!

For more information, ask one of our member service representatives, call 865-482-0045 or 800-482-0049, or visit our website at enrichmentfcu.org.

'LOVE MY CREDIT UNION' SAVES YOU MONEY!Everyone love to save, especially on products and services you use every day. That's what Love My Credit Union Rewards is all about. Members have saved nearly $2 billion in discounts from valued partners through Love My Credit Union Rewards. You can save too with valuable discounts from these partners:

• $100 cash back with every new line activated with Sprint - no limits! Current customers will receive $50 for every line transferred, no limits. Plus, a $50 loyalty reward every year for every line.

• Save up to $15 on TurboTax federal products!

• Get trusted protection and true savings with TruStage Auto & Home Insurance Program.

• Shop and get cash back at over 1,500 online retailers with Love To Shop.

To find out more and learn about other valuable discounts, go to the Extra Services section at the top of the EFCU website and select "Love My Credit Union." You get all these offers and discounts just for being a member of Enrichment Federal Credit Union!

Do you like to travel? The Credit Union has partnered with Common Sense Travel, a division of Commonsense Media Group to plan and organize trips for members of the Credit Union. Common Sense Travel has been planning group excursions for over 5 years.

Enrichment Travelers Club offers safe and inexpensive choices of interesting trips throughout this year, and 2019 is no exception! Travelers will be embarking on three more exciting destinations in the new year. Upcoming trips are listed below with a brief overview of stops along the way. Space is limited, so book your trip today! Call or visit us for more information.

2019 ENRICHMENTTRAVELERS CLUB DESTINATIONS

Christmas In New York City December 5-10, 2019Set off with us to see the bright lights of “The BigApple”-New York City! You will visit Manhattan ona guided tour that will take you to such famous sites as Central Park, Rockefeller Center, Times Square, Wall Street, the 911 Memorial, Madame Tussaud's Wax Museum, Hershey, PA and Hershey’s Chocolate World, and so much more!

Mount Rushmore, The Badlands & Black Hills Of South Dakota June 8-16, 2019See such sites as: Amana Heritage Museum, Badlands National Park, Wall Drug Store, Borglum Historical Center, Mount Rushmore National Memorial, Wildlife Loop Road at Custer State Park, High Plains Western Heritage Center, Deadwood, South Dakota, Journey Museum, Crazy Horse Memorial, Corn Palace, Des Moines, IA Botanical Center, and more!

Lancaster Show Trip & The Dutch Country September 16-21, 2019Visit Lancaster, PA, Sight and Sound Theatres to see the brand-new show Jesus, The Amish Experience attraction, the Rockvale Square Outlets, American Music Theatre for Songs of the Silver

Screen. Also see Philadelphia PA, including Independence Hall, Betsy Ross’ House, The Mint, The Federal Reserve, The Holocaust Memorial, Logan Circle, Penn’s Landing, “The Rocky Steps,” the Liberty Bell. Also enjoy a guided tour of Lancaster PA, including Amish Country, the Kitchen Kettle Village and moreI

BRANCHESOak Ridge Branch (Main Office)201 South Illinois AvenueP.O. Box 883Oak Ridge, TN 37831-0883865-482-0045800-482-0049

Clinton Branch1116 N. Charles G. Seivers Blvd.Clinton, TN 37716865-457-1266

Halls Branch7005 Maynardville PikeKnoxville, TN 37918865-922-1414

Kingston Branch1009 Bradford WayKingston, TN 37763865-376-3451

Midtown Branch @ Pinnacle Point1834 Roane State HwyHarriman, TN 37748865-376-3587

New Tazewell Branch404 S. Broad StreetNew Tazewell, TN 37825423-626-5505

North Knoxville Branch5201 Schubert RoadKnoxville, TN 37912865-688-0866

Northshore @ Pellissippi9419 S. Northshore DriveKnoxville, TN 37922865-531-1600

West Knoxville Branch9210 Kingston PikeKnoxville, TN 37922865-531-4727

FINANCIALSas of 09/30/18

Assets: $494,029,092Loans: 376,174,209Shares: 420,124,308Members: 43,522

ATMs and drive-ups are available at all locations. Safe deposit boxes are available at all locations except Midtown. Drive-up locations are open Saturdays; other lobby and drive-up hours may vary by location. Please contact your nearest office for specific information.

1-800-482-0049 · enrichmentfcu.org

Congratulations to Cason Worthy of Roane County High School, Hunter Thomas of Alcoa High School, and Elijah Charles of Oak Ridge High School, the 2018 recipients of the Enrich Your Future Scholarship awards. Each of these exceptional students received $1,000 towards continuing their education.

We received many good applications and the selection process was very difficult. Applicants were scored on a variety of points including GPA, personal essay, extra activities or jobs, and personal reference letters. We commend all our applicants on their outstanding GPAs and community involvement. All of our applicants reflected hard work, leadership, dedication, and exceptional character. Make sure to get your teen started at Enrichment with their first savings and checking account. Three $1,000 scholarships will be awarded to graduating high school seniors each year. See our website for more information.

2019 “ENRICH YOUR FUTURE” SCHOLARSHIP WINNERS

Hunter ThomasAttending University of

Tennessee in Biomedical Engineering.

Elijah CharlesAttending the

University of Tennessee in Mechanical Engineering.

Cason WorthyAttending Tennessee Tech in Engineering.

Member accounts are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government National Credit Union Administration, a U.S. Government Agency.

JOIN US AT THE 69TH ANNUAL MEETING

The 69th Annual Members' Meeting of Enrichment Federal Credit Union will be held on Friday, March 15, 2019 at the Pollard Technology Conference Center. We encourage members and their families to attend the annual meeting to visit with staff and officials, hear highlights of 2018 operations, and register for door prizes.

An important part of each Annual Meeting is the election of officials. The Nominating Committee, appointed by the Board Chair-man, nominates one candidate to run for each vacant office on the Board of Directors. The 2018 Nominating Committee consists of: Mickey Calfee, Dennis Pennington, and Rick Benson.

Members in good standing, not selected by the Nominating Committee and interested in serving as a volunteer may do so by petition. Petitions must be signed by a minimum of 435 members in good standing and submitted to Enrichment Federal Credit Union no later than February 3, 2019 to be considered.

Call 865-482-0045 or 1-800-482-0049 for more information.