Kemba Delta Federal Credit Union

KEMBA DELTA FCUKEMBA DELTA FCU4095 American Way Ste. 4095 American Way Ste.

1010Memphis, TN 38118Memphis, TN 38118

901-795-9055901-795-9055www.kembadelta.orgwww.kembadelta.org

KEMBA (Kroger Employee Mutual Benefit Association) Delta Federal KEMBA (Kroger Employee Mutual Benefit Association) Delta Federal Credit Union was chartered in 1934 by the National Credit Union Credit Union was chartered in 1934 by the National Credit Union Association (NCUA) for the purpose of providing credit union Association (NCUA) for the purpose of providing credit union services. services.

We are a not-for-profit 501c3, tax exempt financial institution and We are a not-for-profit 501c3, tax exempt financial institution and exist only to serve our specific membership. exist only to serve our specific membership.

Five StarFive Star Superior Rating by leading independent firm Bauer Superior Rating by leading independent firm Bauer FinancialFinancial

Our first member group was Kroger Employees and their families, Our first member group was Kroger Employees and their families, serving them in 5 states. TN, MS, AR, KY, MO. serving them in 5 states. TN, MS, AR, KY, MO.

Today we have opened our field of membership in the Memphis area Today we have opened our field of membership in the Memphis area for business’s and associations to enroll as members as well as their for business’s and associations to enroll as members as well as their immediate family members. immediate family members.

Our purpose is to promote thrift by making it easy to save or borrow Our purpose is to promote thrift by making it easy to save or borrow for almost any worthwhile reason. for almost any worthwhile reason.

How does an organization benefit How does an organization benefit

from affiliating with a credit union? from affiliating with a credit union?

Attracting, motivating, and retaining qualified employees, are some Attracting, motivating, and retaining qualified employees, are some of employers greatest challenges. By offering credit union of employers greatest challenges. By offering credit union membership as an enhancement to a benefits package, the value of membership as an enhancement to a benefits package, the value of the organization is also enhanced. the organization is also enhanced.

It demonstrates that an organization truly cares about helping their It demonstrates that an organization truly cares about helping their employees achieve financial goals. The expected result? Improved employees achieve financial goals. The expected result? Improved morale, productivity, and loyalty to the company. morale, productivity, and loyalty to the company.

Best of all… there is no cost or liability to an organization for Best of all… there is no cost or liability to an organization for offering the benefit of credit union membershipoffering the benefit of credit union membership. .

How will the employees of an organization benefit from KEMBA How will the employees of an organization benefit from KEMBA Delta?Delta?

For years, credit unions have been the top-rated financial institution among For years, credit unions have been the top-rated financial institution among consumers because of lower fees, competitive interest rates, faster loan consumers because of lower fees, competitive interest rates, faster loan service, and superior staff courtesy. service, and superior staff courtesy.

Employees of an organization will find that the purchase power of their Employees of an organization will find that the purchase power of their paychecks has been extended due to attractive interest rates on loans. paychecks has been extended due to attractive interest rates on loans. Individuals can realize their financial goals through higher rates on savings Individuals can realize their financial goals through higher rates on savings and investments. and investments.

Employees will have free access to over a 100 articles and over 65 Employees will have free access to over a 100 articles and over 65 Podcast’s dealing with money, family, fraud, car buying tips, budgeting, Podcast’s dealing with money, family, fraud, car buying tips, budgeting, IRA’s, saving’s & more. IRA’s, saving’s & more.

Of course, employees will save time thanks to convenient, automated Of course, employees will save time thanks to convenient, automated services such as: Direct Deposit, Payroll Deductions, Online Banking, and services such as: Direct Deposit, Payroll Deductions, Online Banking, and much more! much more!

Services Kemba offersServices Kemba offersConvenienceConvenience Online BankingOnline Banking ATM’s local & nationwideATM’s local & nationwide Telephone KAL – Automated phone access line to conduct businessTelephone KAL – Automated phone access line to conduct business Over 3800 shared branches nationwide to conduct your businessOver 3800 shared branches nationwide to conduct your business

LoansLoans No Credit Check (Unsecured)No Credit Check (Unsecured) Signature (Unsecured)Signature (Unsecured) Auto – New/Used/RefinanceAuto – New/Used/Refinance MortgageMortgage MotorcycleMotorcycle Emergency (Unsecured)Emergency (Unsecured)

AccountsAccounts Free Checking – No minimum; 1Free Checking – No minimum; 1stst 50 checks are free 50 checks are free SavingsSavings CD’s CD’s IRA’s RothIRA’s Roth IRA’s TraditionalIRA’s Traditional Debit Cards – No FeesDebit Cards – No Fees Christmas ClubChristmas Club

#1 #1 Motivating Reason to Switch Financial Motivating Reason to Switch Financial

InstitutionsInstitutions

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Rates & Fees*Rates & Fees*

Kemba is 30% lower than local banksKemba is 30% lower than local banks

*According to Javelin Strategy and Research*According to Javelin Strategy and Research

Kemba Delta Federal Credit UnionMotivations for Choosing a New Financial InstitutionTop 5 Reasons # 1 Reason - Rates and Fees 67%Online Service 54%Customer Service 44%Access to ATM's 43%Access to branches 36%

© 2008 J avelin Strategy and Research

Motivations for Choosing a New Financial Institution

67%

54%

44%

43%

36%

0 0.2 0.4 0.6 0.8

# 1 Reason -Rates and Fees

Online Service

Customer Service

Access to ATM's

Access tobranches

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Percentages %

Rate Savings Example (Current promotion)Rate Savings Example (Current promotion) Auto - $15,000Auto - $15,000 4 years 4 years 2% below current rate 5.25%2% below current rate 5.25% Rate 3.25% - Good CreditRate 3.25% - Good Credit Savings $646Savings $646 Bigger Savings with Avg. to Poor CreditBigger Savings with Avg. to Poor Credit

Rate Savings Example (Current promotion)Rate Savings Example (Current promotion) Auto - $25,000Auto - $25,000 4 years 4 years 2% below current rate 5.25%2% below current rate 5.25% Rate 3.25% - Good CreditRate 3.25% - Good Credit Savings $1077Savings $1077 Bigger Savings with Avg. to Poor CreditBigger Savings with Avg. to Poor Credit

Rate Savings Example (Current promotion)Rate Savings Example (Current promotion) Auto - $15,000Auto - $15,000 5 years 5 years 2% below current rate 5.75%2% below current rate 5.75% Rate 3.75% - Good CreditRate 3.75% - Good Credit Savings $822Savings $822 Bigger Savings with Avg. to Poor CreditBigger Savings with Avg. to Poor Credit

Rate Savings Example (Current promotion)Rate Savings Example (Current promotion) Auto - $25,000Auto - $25,000 5 years 5 years 2% below current rate 5.75%2% below current rate 5.75% Rate 3.75% - Good CreditRate 3.75% - Good Credit Savings $1370Savings $1370 Bigger Savings with Avg. to Poor CreditBigger Savings with Avg. to Poor Credit

Merchants Allowing Cash Back on Debit Merchants Allowing Cash Back on Debit CardsCards

KrogerKroger Wal-MartWal-Mart TargetTarget Sam’sSam’s CostcoCostco Lowe’sLowe’s Home DepotHome Depot Kohl’sKohl’s Dillard’sDillard’s Macy’sMacy’s

Merchants Allowing Cash Back on Debit CardsMerchants Allowing Cash Back on Debit Cards

MapcoMapco 7-Eleven7-Eleven WalgreensWalgreens Rite-AidRite-Aid Schnucks Schnucks Piggly WigglyPiggly Wiggly

2009 USA TODAY bank overdraft survey

A USA TODAY survey of the 10 largest retail banks, by assets, in the nation found that nine process paychecks and electronic A USA TODAY survey of the 10 largest retail banks, by assets, in the nation found that nine process paychecks and electronic transactions from highest to lowest dollar amount. SunTrust, which declined to respond to the survey, says in its deposit agreement that transactions from highest to lowest dollar amount. SunTrust, which declined to respond to the survey, says in its deposit agreement that it will pay transactions in any order it likes, including from "largest to smallest dollar amount.it will pay transactions in any order it likes, including from "largest to smallest dollar amount.

Largest Retail Banks Overdraft Fee AmountsBank of America $35JP Morgan Chase $35Citigroup $34Wells Fargo $35HSBC North America $35PNC Financial Services $36U.S. Bancorp $37.50SunTrust $36Capital One $35Citizen’s Financial $39

Memphis BanksFirst Tennessee $35Regions $35SunTrust $35Bank of America $35Bancorp South $35

Credit UnionKemba Delta Federal Credit Union $25 -30% less than banks!!!Kemba process’s checks in the best interest of the member in order to minimize overdraft fees.© 2009 USA Today

Why Join Kemba Today?Why Join Kemba Today?

ReasonsReasons

1.1. No MinimumNo Minimum balance required. balance required. 2.2. No fee checking accountsNo fee checking accounts. Many Americans spend hundreds of dollars a year on checking . Many Americans spend hundreds of dollars a year on checking

account fees, often because they can't meet minimum balance requirements. Kemba gives their account fees, often because they can't meet minimum balance requirements. Kemba gives their members a break by assessing no fee unless you go negative in your account. 1st set of checks are members a break by assessing no fee unless you go negative in your account. 1st set of checks are also also FREE!FREE!

3.3. Debit Cards – Debit Cards – NO FEES!NO FEES!4.4. Kemba has some of the Kemba has some of the lowest interest rateslowest interest rates on auto loans in the Memphis area. Check out our on auto loans in the Memphis area. Check out our

current promotion at current promotion at 3.25%3.25%. This aggressive rate is saving members hundreds to thousands of . This aggressive rate is saving members hundreds to thousands of dollars on their car loans. We do refinances as well. DataTrac, a national interest rate-tracking dollars on their car loans. We do refinances as well. DataTrac, a national interest rate-tracking service, finds that rates on our car loans are on average 1.5 to 2.0 percent lower than banks.service, finds that rates on our car loans are on average 1.5 to 2.0 percent lower than banks.

5.5. Better ratesBetter rates of return on savings. Kemba pays some of the highest interest rates on basic savings of return on savings. Kemba pays some of the highest interest rates on basic savings (share) accounts, interest-bearing checking accounts and IRA’s/CD’s in the city. (share) accounts, interest-bearing checking accounts and IRA’s/CD’s in the city.

6.6. Your Kemba accounts are Your Kemba accounts are insured insured by the U.S. government. by the U.S. government. KembaKemba accounts are insured up to accounts are insured up to $250,000$250,000 by the National Credit Union Share Insurance Fund, just as the FDIC insures bank and by the National Credit Union Share Insurance Fund, just as the FDIC insures bank and thrift deposits of up to $250,000.thrift deposits of up to $250,000.

7.7. Once a member, always a memberOnce a member, always a member. As long as you maintain your Kemba account in good . As long as you maintain your Kemba account in good standing, you will always be a member of Kemba, even if you move. standing, you will always be a member of Kemba, even if you move.

8.8. Online ServiceOnline Service – With our internet banking it makes it convenient for you to conduct your – With our internet banking it makes it convenient for you to conduct your business 24/7.business 24/7.

9.9. ConvenienceConvenience – Kemba is part of the Shared Branching network of over 3900+ branches. Making – Kemba is part of the Shared Branching network of over 3900+ branches. Making it the 2nd largest network in the country only to Bank of America. This allows you to conduct your it the 2nd largest network in the country only to Bank of America. This allows you to conduct your business locally as well as nationally. business locally as well as nationally.

10.10. Immediate family members can joinImmediate family members can join. Parents, Spouse (including surviving spouse), Children, . Parents, Spouse (including surviving spouse), Children, Siblings, Grandparent , Stepparents, Stepchildren, Stepsiblings, Adoptive relationships.Siblings, Grandparent , Stepparents, Stepchildren, Stepsiblings, Adoptive relationships.

Shared BranchingShared Branching

Southern Security FCUSouthern Security FCU3580 Ridge Meadow Pkwy3580 Ridge Meadow PkwyMemphis, TN 38115Memphis, TN 38115901-795-0443901-795-0443Monday – Thursday: 8:30 – 5:30 Monday – Thursday: 8:30 – 5:30 Friday: 8:30 – 6:00 Friday: 8:30 – 6:00 Saturday: 9:00 – 2:00 including drive through Saturday: 9:00 – 2:00 including drive through

Southern Security FCUSouthern Security FCU8058 US Hwy 648058 US Hwy 64Bartlett, TN 38133Bartlett, TN 38133901-388-3637901-388-3637Monday – Thursday: 8:30 – 5:30 Monday – Thursday: 8:30 – 5:30 Friday: 8:30 – 6:00 Friday: 8:30 – 6:00 Saturday: 9:00 – 2:00 including drive through Saturday: 9:00 – 2:00 including drive through

Southern Security FCU Southern Security FCU 1720 E Holmes Rd 1720 E Holmes Rd Memphis, TN 38116 Memphis, TN 38116 901-396-0237 901-396-0237 Monday – Friday: 8:30 – 5:00 Monday – Friday: 8:30 – 5:00 Friday: 8:30 – 5:30 Friday: 8:30 – 5:30

Southern Security FCU Southern Security FCU 3337 Summer Ave 3337 Summer Ave Memphis, TN 38122 Memphis, TN 38122 901-452-7900 901-452-7900 Monday – Thursday: 8:30 – 5:30 Monday – Thursday: 8:30 – 5:30 Friday: 8:30 – 6:00 Friday: 8:30 – 6:00

Southern Security FCU Southern Security FCU 3616 Austin Peay Hwy Ste 3 3616 Austin Peay Hwy Ste 3 Memphis, TN 38128 Memphis, TN 38128 901-377-5822 901-377-5822 Monday – Thursday: 8:30 – 5:30 Monday – Thursday: 8:30 – 5:30 Friday: 8:30 – 6:00 Friday: 8:30 – 6:00 Saturday: 9:00 – 2:00 including drive through Saturday: 9:00 – 2:00 including drive through

HealthNet FCUHealthNet FCU 6025 Walnut Grove Rd. Ste. 612 6025 Walnut Grove Rd. Ste. 612 Memphis, TN 38120 Memphis, TN 38120 901-226-1111 901-226-1111 Monday, Tuesday, Thursday, Friday: 8:00 – 4:00 Monday, Tuesday, Thursday, Friday: 8:00 – 4:00 Wednesday: 10:00 – 4:30 Wednesday: 10:00 – 4:30 Saturday: ClosedSaturday: Closed

Hope Community CUHope Community CU3048 Harvester Lane3048 Harvester LaneMemphis, TN 38127Memphis, TN 38127(901) 358-4496 or 800-999-3179(901) 358-4496 or 800-999-3179Fax: (901) 358-4518Fax: (901) 358-4518Monday - Thursday:Monday - Thursday:9:00 a.m. - 4:30 p.m.9:00 a.m. - 4:30 p.m.Drive-Thru open until 6:00 p.m. on FridayDrive-Thru open until 6:00 p.m. on Friday

Hope Community CUHope Community CU2923 Ridgeway Road2923 Ridgeway RoadMemphis, TN 38115Memphis, TN 38115(901) 358-4496(901) 358-4496Fax: (901) 794-1872Fax: (901) 794-1872Monday - Thursday: 9:00 a.m - 4:30 p.m.Monday - Thursday: 9:00 a.m - 4:30 p.m.Friday: 9:00 a.m - 5:30 p.m.Friday: 9:00 a.m - 5:30 p.m.Saturday: 9:00 a.m - 1:00 p.m.Saturday: 9:00 a.m - 1:00 p.m.

Hope Community CUHope Community CU113 Executive Drive113 Executive DriveJackson, TN 38305Jackson, TN 38305(901) 668-9478 or 800-777-5970(901) 668-9478 or 800-777-5970Fax: (901) 668-9251Fax: (901) 668-9251Monday - Friday: 9:00 a.m - 4:30 p.m.Monday - Friday: 9:00 a.m - 4:30 p.m.

Hope Community CUHope Community CU1114 N. Missouri Street1114 N. Missouri StreetWest Memphis, AR 72303West Memphis, AR 72303(870) 732-1800 or 800-999-5495(870) 732-1800 or 800-999-5495Fax: (870) 732-5447Fax: (870) 732-5447Monday - Friday 9:30 a.m. - 5:00 p.m.Monday - Friday 9:30 a.m. - 5:00 p.m.

Hope Community CUHope Community CU11495 Old Hwy. 61 North11495 Old Hwy. 61 NorthRobinsonville, MS 38664Robinsonville, MS 38664(901) 358-4496 or 800-999-3179(901) 358-4496 or 800-999-3179Fax: (662) 363-4084Fax: (662) 363-4084Monday: 9:00 a.m. - 5:30 p.m.Monday: 9:00 a.m. - 5:30 p.m.Tuesday - Thursday: 9:30 a.m. - 4:30 p.m.Tuesday - Thursday: 9:30 a.m. - 4:30 p.m.Friday: 8:00 a.m. - 5:00 p.m.Friday: 8:00 a.m. - 5:00 p.m.

Memphis Municipal EFCU Memphis Municipal EFCU 577 Linden Ave577 Linden AveMemphis, TN 38126Memphis, TN 38126Phone: 901-528-2822Phone: 901-528-2822Fax: 901-528-2824 Fax: 901-528-2824 Monday – Thursday 8:30 – 5:00; Friday – 8:30 – 6:00Monday – Thursday 8:30 – 5:00; Friday – 8:30 – 6:00Drive Through: Monday – Wednesday 8:30 – 5:00; Thursday 8:30 – Drive Through: Monday – Wednesday 8:30 – 5:00; Thursday 8:30 – 6:006:00Friday 7:30 – 6:00; Sat. 9:00 – 1:00 Friday 7:30 – 6:00; Sat. 9:00 – 1:00

Summary:Summary: KEMBA Delta FCU has been in business since 1934, KEMBA Delta FCU has been in business since 1934,

offering you and your employees stability in an unstable offering you and your employees stability in an unstable financial world.financial world.

We offer the lowest fees compared to local bank’s which is We offer the lowest fees compared to local bank’s which is the #1 reason people switch financial institutions. the #1 reason people switch financial institutions.

We offer you over 3900+ shared branching locations We offer you over 3900+ shared branching locations nationwide making it the 2nationwide making it the 2ndnd largest branch network in the largest branch network in the country…only behind Bank of America.country…only behind Bank of America.

We offer over 50 ATM locations just in Memphis.We offer over 50 ATM locations just in Memphis. Nationwide we offer over 3500 ATM locations for your Nationwide we offer over 3500 ATM locations for your

convenience. convenience. We offer a friendly and knowledgeable staff to serve you. We offer a friendly and knowledgeable staff to serve you. So what are you waiting for??? So what are you waiting for??? Enroll today.Enroll today.