NEWSLETTER2018 FOURTH QUARTER

OKLAHOMA FEDERAL CREDIT UNION

The end of the year statement includes some very important information. You should keep this statement with your important papers for tax reporting, as it is the last one you will receive for 2018. This statement includes: - All interest you paid on loans - All dividends we paid to you; including savings, checking, certificate accounts and Money Markets - The FMV (fair market value) of your IRA (ending balance of total IRAs as of 12/31/2018)

You will receive tax reporting forms from us only in certain cases: 1. 1099 for dividends earned of $10.00 or more for the year 2. 1098 for mortgage interest paid to us if it is $600.00 or more for the year 3. 1099R for any IRA withdrawals 4. 5498 for your IRA contributions (these will be mailed to you in May 2019 approximately)

You can deposit to your IRA account until 4/15/2019 for 2018, please consult your tax advisor.

Important Tax Information

2018 was a great year for Oklahoma Federal Credit Union. We brought you great savings, awesome rates and so much more. What are we unveiling in 2019? Home Equity Lines of Credit and Wallet Apps (Apple Pay, Samsung Pay & Android Pay). Keep an eye out for more details to come in the new year!

HOLIDAY CLOSINGS

January 1: New Year’s DayJanuary 21: Martin Luther King Jr. DayFebruary 18: President’s Day

Coming in 2019

Oklahoma Federal Credit Union’s 68th Annual Meeting is almost here! There are only 300 spots available, so be sure to get your tickets early!

Date: March 9, 2019 (Saturday)Time: 1:00 p.m.Location: New Covenant United Methodist Church 2700 S. Boulevard Edmond, OK 73013

To reserve your seats, complete the form listed below and mail it to: 517 NE 36th St., Oklahoma City, OK 73105, call (405) 524-6467, fax it to (405) 524-1067 or send an email to okfcu@okfcu.com. Registration begins at 12:30 p.m. Lunch will be served buffet style. Assistance will not be provided, so please be prepared to serve yourself. Tickets are only $5.00 for members and $25.00 for non-members (you must be a member by December 31, 2018 to purchase member tickets).

Name: __________________________________________________________ Member #: _______________________Address: _____________________________________________________________ Phone #: ____________________*Please include a list of the guests (member & non-member) you will be bringing and any ages of children.Please reserve the following number of seats under my name: Members _________ Non-Members __________Members ($5.00 each) + Non-Members ($25.00 each) = $ ___________________Method of Payment (circle one): Check Enclosed | Deduct from OKFCU Savings | Deduct from OKFCU Checking

Signature: __________________________________________________________ Date: ______________[I hereby authorize Oklahoma Federal Credit Union to debit my account indicated above the amount listed.]

Have you heard about our Kasasa Checking accounts? They’re awesome!

Want a little more out of your checking account? Check out Kasasa! Kasasa Checking offers members cash back on debit card purchases or a high APY (Annual Percentage Yield) on account balances. That’s money back on what you spend or money earned on the money in your account! You’ll also never have to hunt down an ATM again with ATM fee refunds on qualifying accounts. Best part? Kasasa is completely free! There are no minimum balances, no monthly fees and no penalties if you don’t meet the qualifiers. Told you the accounts were awesome!

Annual Meeting

Kasasa Checking

Switching your account to Kasasa is easy! If you’re ready to switch (or add on a Kasasa account), give us a call at (405) 524-6467 and we can get you started on your journey to earning rewards. For more information on Kasasa, visit our website at www.okfcu.com/kasasa/ today!

The types of personal information we collect and share depend on the product or service you have with us. The information may include:- Social Security number- Income- Transaction, loss and payment history- Credit history and scoresWhen you are no longer a member, we continue to share your information as described in this notice. Financial institutions choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires that we inform members how we collect, share and protect your personal information. Please read the notice carefully to understand what we do.

How does OKFCU collect my personal information?We collect personal information when members (for example):- Open an account or apply for a loan - Give us contact information- Use your credit/debit cardWe also collect personal information from credit bureaus, affiliates and other companies.

How does OKFCU protect my personal information?To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

What information does OKFCU share?

Definitions:Affiliates - Companies related by common ownership or control. They can be financial and non-financial companies. Ex. Credit Union Service CentersNon-Affiliates - Companies not related by common ownership or control. They can be financial and non-financial companies.Joint Marketing - A formal agreement between non-affiliated financial companies that together market financial products or services to you. [Our joint marketing includes insurance companies, statement vendors, card processors, credit bureaus and other financial service companies.]

Why can’t a member limit all sharing? Federal law gives you the right to limit only:- Sharing for affiliates’ everyday business purposes (information about your creditworthiness)- Affiliates from using your information to market to you- Sharing for non-affiliated to market to youState laws and individual companies may give you additional rights to limit sharing.

Your Personal Information & OKFCU

For everyday business purposes (such as to process your transactions, maintain your account(s), respond to court and legal investigations, or report to credit bureaus)

For our marketing purposes (to offer our products and services to you)

For joint marketing with other financial institutions

For our affiliates’ everyday business purposes (information about your transactions, experiences or creditworthiness)

For our affiliates to market to you

For non-affiliates to market to you

Yes

Yes

No

No

No

No

No

No

We Do Not Share

We Do Not Share

We Do Not Share

We Do Not Share

Does OKFCU Share?

Can You Limit Sharing?

Main Branch517 NE 36th StOklahoma City, OK 73105Ph: 405.524.6467F: 405.524.1067Hours: 7:45 a.m. - 4:30 p.m., M-F

Midwest City Branch2828 Parklawn Dr., Suite 12Midwest City, OK 73110Ph: 405.732.5554F: 405.732.3430Hours: 7:45 a.m. - 4:30 p.m., M-F

Dell Branch (restricted access)3501 SW 15th St., Bldg AOklahoma City, OK 73108Ph: 405.601.4393F: 405.601.4165Hours: 7:45 a.m. - 1:45 p.m., M-F

Midwest City232-B S. Air DepotPh: 405.732.4848

MooreMalibu Shopping Center828 NW 12th StPh: 405.790.0242

Norman710 W Main, Suite 130Ph: 405.364.3133

North OKC10491 N May AvePh: 405.755.2045

Tulsa6105 A S. MingoPh: 918.250.7998

Yukon1300 W. Vandament, Suite 101Ph: 405.350.1784

Hours7:00 a.m. - 7 p.m., M-F9:00 a.m. - 4:30 p.m., Sat1:00 - 4:30 p.m., Sun

For an extended list of service centers, go to www.cuservicecenter.com.

Fee Changes *Effective Date: February 1, 2019 Outgoing Wire Fee $20.00 Gift Cards $3.00 Non-Member Cashing On Us Checks $3.00 Child Support Levy Fee $10.00

Branch Locations Service Centers

In Memory of Raymond Kerbo(1932 - 2018)

Ray began his journey with the credit union in his early twenties. In 1957,

Ray was asked to join the Supervisory Committee. Little did he know that 45 years later he would still be serving as

the Chairman of the Board. Ray devoted himself to the credit union

through member events and seeking out growth opportunities. He was a wonderful support to the entire staff

and their ideas. After 45 years of service (20 of which were as Chairman of the Board), Ray decided to retire. He still

made sure to check in from time to time and continued to have incredible insight

about the credit union and its events. Ray even involved his entire family in

OKFCU; including his siblings, children and grandchildren. His devotion,

commitment, work and life in general have earned Ray Kerbo the distinction of being considered an ambassador of

Oklahoma Federal Credit Union. He will be greatly missed.

www.okfcu.com