Get Exclusive Discounts From Love My Credit Union® Rewards!Class Act knows your home is a big investment, and we already help you save on mortgages and home loans. Now with the Love My Credit Union Rewards program, you can save even more on products and services you use every day. Membershave 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:

♥ Members get a $100 cash reward for each new line you activate with Sprint®. Current Sprint customers will receive a $50 cash reward for each line transferred into Sprint Credit Union Member Cash Rewards. Plus, get a $50 loyalty cash reward every year for each line.*

♥ Get an exclusive smoke communicator and a $100 gift card with a NEW ADT® monitored home security system. Call 844-703-0123 to activate this special offer through the Love My Credit Union Rewards program.

♥ Get trusted protection at true savings with the 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, visit our website or LoveMyCreditUnion.org. You get all these offers and discounts just for being a member of Class Act Federal Credit Union.

*Limited time offers. Activ. Fee: Up to $30/line. Credit approval req. Cash Reward Offers: Avail. for eligible credit union members & member employees with qualifying corp. id. (ongoing verification). $100 Cash Reward for new smartphone line activ. up to 3 lines. Req. activ. at point of sale. Excludes CL, MBB devices, tablets, Sprint Phone Connect, upgrs., replacements & ports made between Sprint entities or providers associated with Sprint. Limit one SWP Corp ID per Sprint acct. No add’l. discounts apply. Loyalty Reward: $50/line/yr. Cash Reward up to 3 lines when Sprint acct. remains active and in good standing each yr. Transfer Reward: Members participating in another discount program are eligible for a $50 Cash Reward for up to 3 smartphone lines transferred to Cash Reward program. Deposit: Cash Reward issued by CU Solutions Group. Sprint acct. must remain active and in good standing for 31 days to receive Cash Reward. Allow 6-8 wks. for Cash Reward to be deposited to your Credit Union acct. If the Cash Reward does not appear after 8 wks., visit lovemycreditunion.org/sprintrewards & click on “Cash Rewards Tracker”. Other Terms: Offer/coverage not avail. everywhere or for all phones/networks. May not be combinable with other offers. Offer, terms, restrictions, & options subject to change & may be modified, discontinued, or terminated at any time without notice. Restrictions apply. © 2018 Sprint. All rights reserved. Sprint & the logo are trademarks of Sprint. Other marks are the property of their respective owners.

< Convenience? We got that. Even when you are out of town, chances are there’s a shared branch nearby.

< Holiday Loans Our Holiday Loans are an annual favorite for Class Act Members.

P3

INSIDETAKE A LOOK

News and Information for the Members of Class Act Federal Credit Union

OCTOBER / NOVEMBER / DECEMBER 2018

< Love My Credit Union Rewards

Save money on products and services you use every day.

members@classact.orgclassact.org

Loan Rates as ofOctober 1, 2018NEWS

RATE

HOLIDAY

CLOSINGSColumbus Day October 8Veterans Day November 12Thanksgiving Day November 22Christmas Day December 25New Years Day January 1

CONNECT WITH US

P4

Annual Percentage Rate*New Car & Motorcycle as low as 2.75%*Used Car & Motorcycle as low as 2.75%*New Boats/RVs/Campers as low as 4.00%*Used Boats/Rvs/Campers as low as 4.00%*Personal/Signature as low as 8.50%*Overdraft Line of Credit 15.00%Platinum Visa as low as 11.25%Share Secured as low as 5.00%Share Certificate Secured as low as 5.00%Home Equity LOC - Prime + 0% as low as 5.25%LifeStyle Access Line of Credit as low as 10.25%Fixed Rate 2nd Mortgage as low as 4.50%*10-30 Year Fixed Rate 1st Mortgages Call for Quote

*Rates reflect .25% discount for automatic payment, and .25% discount for CAFCU checking with direct deposit. Prime rate at time of publication is 4.75%. Rates based on borrower’s qualifications and are subject to change. Other rates and terms available. NMLS# 403005

Main Office3620 Fern Valley Road • Louisville, KY 40219-1917

(502) 964-7575 • 1-800-292-2960 • Fax: (502) 966-2061Office HoursMonday - Friday 9:00am – 5:00pmSaturday 9:00am – 1:00pm

Cardinal Towne Branch331 W. Cardinal Boulevard • Louisville, KY 40208

Office HoursMonday - Friday 9:00am – 5:00pmSaturday 9:00am – 1:00pm

East Branch3711 Diann Marie Road • Louisville, KY 40241

Office HoursMonday – Friday 9:00am – 5:00pmSaturday 9:00am – 1:00pm

Shared BranchesThere are 12 metro area shared branches, and over

5,000 nationwide. To find the one nearest you visit our homepage or get the CO-OP Shared Branch Locator app

at Google Play or the App Store.

“Express Line”(502) 964-7575 • 1-800-292-2960

P2

Credit CardsGo Platinum and Save!Replace your high-interest credit card, with a better choice – a Platinum Visa card from your credit union! You’ll enjoy a low interest rate, plus 1% cash back on every single purchase! New cardholders will really like the 0% intro rate and low balance transfer fee.

• 0% intro rate on purchases and balance transfers for 6 months• Rates as low as 11.25% APR* following intro period• Low 1% balance transfer fee (most other cards charge 3% to 5%)• Unlimited 1% cash back on ALL purchases

Apply today to maximize your savings during the upcoming holiday shopping season!

*Annual Percentage Rate. Variable rate, indexed to Prime.

Platinum Visa Cash RewardsGood news just in time for the holidays. Members who have Class Act’s Platinum Visa credit card will receive their annual 1% cash back bonus on December 1st. The bonus, which is paid on all net purchases made with the card will be posted to each member’s Share 1 savings account. It pays to use Class Act’s Platinum Visa!

Avoid Fraud this Holiday SeasonSadly, the holiday season brings with it a spike in fraud activity. Class Act urges members to be extra vigilant while shopping, whether at retail stores or online. Class Act employs a number of state of the art fraud-fighting tools, and we are available 24/7 via phone to assist with your card needs. Class Act credit and debit cards carry the E.M.V. chip to

reduce fraud, and we use real-time fraud monitoring services to protect your accounts. We are committed to keeping your card information safe while you shop, wherever you shop. You can help too by checking your account frequently, and notifying us immediately when you discover fraud or if your cards have been lost or stolen. Notify us 48 hours in advance if you will be traveling during the holidays or whenever you are out of town. Also, be sure we have your current cell phone number on file. Our fraud monitoring service will text you if it detects a suspicious transaction. If the charge is valid, simply reply to the text. Otherwise your transaction may be declined. Call us at 502.964.7575 and select the prompt for fraud if you discover unauthorized transactions or if your card has been lost or stolen. Thank you.

Get Class Act’s Mobile App!If you haven’t yet downloaded Class Act’s mobile banking app, what are you waiting for? Login with Touch ID, or use the quick balance feature to get basic balance information without logging in. Make transfers, pay bills, set alerts, and even deposit checks with the convenient SnapDeposit feature. You can also use the app to send secure messages to Class Act, or to apply for loans, check e-Statements, get tax info, and much, much more.

Card Controls at your Fingertips with MobiMoneyDownload the free MobiMoney app and get full control of your Class Act credit and debit cards in a way you’ve never had before. With MobiMoney, cardholders are alerted to potential fraud and empowered to decide when, where, and how their cards are used in real-time. Turn your cards on and off with just a touch. You’ll wonder how you ever lived without it.

Skip-a-Pay in December!Class Act’s “Skip-a-Pay is an easy and affordable way to stretch your holiday budget. Class Act members may elect to keep extra money in their pockets by skipping certain loan payments this December. By paying a $30 fee per loan, members can skip December loan payments for car loans or personal signature loans. It doesn’t matter if you make your payments weekly, bi-weekly, or monthly – you can skip them all and pay just one fee per loan. Open-ended lines of credit, and real estate loans are not eligible for Skip-a-Pay.

Interested members must apply by November 26th to skip their December loan payments. For more information, call 502.964.7575 or download the form at www.classact.org/Promotions and return to any branch by November 27th. Skip-a-Pay, just one more way you get Straight A’s for your Money!

Proudly Serving Educational Employee Groups and the Students and Alumni of the University of Louisville News and Information for the Members of Class Act Federal Credit Union

MESSAGEPRESIDENT’S

MESSAGEPRESIDENT’S

by Lynn HuetherDid you know that according to an annual survey by Informa Research and CUNA, Class Act members save an average of $188 each per year simply by banking here instead of a for-profit bank? This news may come as no surprise to credit union members, but what may be surprising is that Class Act members saved more than double the amount of other Kentucky credit unions. We are very proud of that. Members who were identified as “loyal members” saved even more – an average of $1,651 per household! Clearly, it pays to be loyal. The survey defined “loyal members” as those who had a car loan, Honors Checking, mortgage and a credit card with Class Act, but the majority of the savings resulted from our car loans and checking accounts. Our mission is to convince many of our “casual members” to become “loyal members” but we will need your help.

I’m not suggesting that members that have only a savings account here are less than loyal. Not at all. Many such members have been saving here for decades and are by definition “loyal.” However, by not taking advantage of more services these members are missing out on hundreds of dollars of savings every year. Members with deeper financial relations with the credit union contribute more to our success. Deeper relationships benefit both the individual member as well as the entire cooperative to which we all belong. Take car loans as an example; according to the survey Class Act’s car loan rates were 2.25% lower than the average Kentucky bank. This one product alone saved our members over one million dollars last year. The interest from those same car loans is what helps pay 4.0% dividends to members with Honors Checking. Likewise, members who regularly meet Honors Checking requirements earn an average of $90 per year in dividends. The transaction activity on these checking accounts generate revenue for the credit union that help us keep fees and loan rates as low as possible, as well as dividend rates high on all deposit accounts. This is the beauty of our cooperative structure. It’s the secret sauce.

Every Class Act member is in fact an owner of the credit union and has a tangible stake in our shared success. Unlike bank customers, credit union members can and should be more than mere consumers of the products and services we offer. My goal is to make sure every Class Act member understands that, in hopes that this greater understanding results in deeper relationships with our members. If you have a car loan elsewhere, consider moving it to Class Act. If you’re checking account isn’t paying you 4.0%, consider opening one at Class Act. The deeper you go, the more you save. Plus, you will be helping all 19,000 of your fellow member-owners of Class Act Federal Credit Union. Let’s win-win together.

Shared Branch Changes!Please be aware of recent changes at two shared branch locations. The shared branch at Goose Creek Road closed permanently on September 30th. Members who typically frequent the Goose Creek branch are encouraged to use the Class Act branch on Chamberlain Lane at Westport Road (in front of the WalMart). The Dixie Highway shared branch has been purchased by Beacon Community Credit Union and will remain a shared branch outlet. That changeover of the Dixie branch is scheduled to take place December 1st without an interruption of service. Even with the closure of the Goose Creek branch, there will still be 12 shared branch outlets in Louisville and southern Indiana for your convenience. And when JCPS schools are in session, consider using our student-run branches at Doss and Southern High Schools (see website for branch hours). For a complete list of shared branch locations, download the CO-OP ATM and Shared Branch app, or use the map on our homepage www.classact.org.

Convenience? We got that.Class Act takes pride in offering the convenience that our members deserve. Even though we don’t have branches or ATMs in every single neighborhood, we still deliver that same level of convenience with shared branching and network ATMs.

Class Act is part of the shared branch network with over 5,000 branches in all 50 states. Even when you are out of town, chances are there’s a shared branch nearby where you can access your Class Act accounts.

For ATMs, Class Act is part of two networks (Alliance One, and CO-OP) with over 35,000 combined ATMs all over the U.S. In addition, Class Act members enjoy free ATM transactions at any of 5/3rd bank’s 2,300 ATM locations. For even greater convenience, download the shared branch and ATM finder apps: Alliance One ATM Locator; CO-OP ATM Shared Branch Locator, both available on Google Play and the App Store.

Board Nominations NoticeEnclosed with your statement is an Official Notice of 2019 Annual Meeting and Nomination Procedure form. Please take a moment to read this form and call your Credit Union with any questions. Members who receive e-Statements will receive the Nominations Procedure by way of email.

Holiday LoansThis holiday season, don’t empty your wallet to fill those stockings. Instead, get a Holiday Loan from your credit union. Our Holiday Loans are an annual favorite for Class Act members, and for good reason. We’ve lowered the interest rate by 2% (to as low as 7.0% APY*). Borrow up to $3,000 and take up to 24 months to repay. You can even defer your first loan payment up to 60 days. Holiday loans will be available November 1st through January 31st, and are a great way to stretch your gift-buying budget during the holidays.

*Annual Percentage Rate. No other discounts apply. Rates subject to change. Payment illustration: $3,000 holiday loan at 7.0% yields 24 monthly payments of $134.31

Get Class Act’s Mobile App!If you haven’t yet downloaded Class Act’s mobile banking app, what are you waiting for? Login with Touch ID, or use the quick balance feature to get basic balance information without logging in. Make transfers, pay bills, set alerts, and even deposit checks with the convenient SnapDeposit feature. You can also use the app to send secure messages to Class Act, or to apply for loans, check e-Statements, get tax info, and much, much more.

Card Controls at your Fingertips with MobiMoneyDownload the free MobiMoney app and get full control of your Class Act credit and debit cards in a way you’ve never had before. With MobiMoney, cardholders are alerted to potential fraud and empowered to decide when, where, and how their cards are used in real-time. Turn your cards on and off with just a touch. You’ll wonder how you ever lived without it.

Skip-a-Pay in December!Class Act’s “Skip-a-Pay is an easy and affordable way to stretch your holiday budget. Class Act members may elect to keep extra money in their pockets by skipping certain loan payments this December. By paying a $30 fee per loan, members can skip December loan payments for car loans or personal signature loans. It doesn’t matter if you make your payments weekly, bi-weekly, or monthly – you can skip them all and pay just one fee per loan. Open-ended lines of credit, and real estate loans are not eligible for Skip-a-Pay.

Interested members must apply by November 26th to skip their December loan payments. For more information, call 502.964.7575 or download the form at www.classact.org/Promotions and return to any branch by November 27th. Skip-a-Pay, just one more way you get Straight A’s for your Money!

Proudly Serving Educational Employee Groups and the Students and Alumni of the University of Louisville News and Information for the Members of Class Act Federal Credit Union

MESSAGEPRESIDENT’S

MESSAGEPRESIDENT’S

by Lynn HuetherDid you know that according to an annual survey by Informa Research and CUNA, Class Act members save an average of $188 each per year simply by banking here instead of a for-profit bank? This news may come as no surprise to credit union members, but what may be surprising is that Class Act members saved more than double the amount of other Kentucky credit unions. We are very proud of that. Members who were identified as “loyal members” saved even more – an average of $1,651 per household! Clearly, it pays to be loyal. The survey defined “loyal members” as those who had a car loan, Honors Checking, mortgage and a credit card with Class Act, but the majority of the savings resulted from our car loans and checking accounts. Our mission is to convince many of our “casual members” to become “loyal members” but we will need your help.

I’m not suggesting that members that have only a savings account here are less than loyal. Not at all. Many such members have been saving here for decades and are by definition “loyal.” However, by not taking advantage of more services these members are missing out on hundreds of dollars of savings every year. Members with deeper financial relations with the credit union contribute more to our success. Deeper relationships benefit both the individual member as well as the entire cooperative to which we all belong. Take car loans as an example; according to the survey Class Act’s car loan rates were 2.25% lower than the average Kentucky bank. This one product alone saved our members over one million dollars last year. The interest from those same car loans is what helps pay 4.0% dividends to members with Honors Checking. Likewise, members who regularly meet Honors Checking requirements earn an average of $90 per year in dividends. The transaction activity on these checking accounts generate revenue for the credit union that help us keep fees and loan rates as low as possible, as well as dividend rates high on all deposit accounts. This is the beauty of our cooperative structure. It’s the secret sauce.

Every Class Act member is in fact an owner of the credit union and has a tangible stake in our shared success. Unlike bank customers, credit union members can and should be more than mere consumers of the products and services we offer. My goal is to make sure every Class Act member understands that, in hopes that this greater understanding results in deeper relationships with our members. If you have a car loan elsewhere, consider moving it to Class Act. If you’re checking account isn’t paying you 4.0%, consider opening one at Class Act. The deeper you go, the more you save. Plus, you will be helping all 19,000 of your fellow member-owners of Class Act Federal Credit Union. Let’s win-win together.

Shared Branch Changes!Please be aware of recent changes at two shared branch locations. The shared branch at Goose Creek Road closed permanently on September 30th. Members who typically frequent the Goose Creek branch are encouraged to use the Class Act branch on Chamberlain Lane at Westport Road (in front of the WalMart). The Dixie Highway shared branch has been purchased by Beacon Community Credit Union and will remain a shared branch outlet. That changeover of the Dixie branch is scheduled to take place December 1st without an interruption of service. Even with the closure of the Goose Creek branch, there will still be 12 shared branch outlets in Louisville and southern Indiana for your convenience. And when JCPS schools are in session, consider using our student-run branches at Doss and Southern High Schools (see website for branch hours). For a complete list of shared branch locations, download the CO-OP ATM and Shared Branch app, or use the map on our homepage www.classact.org.

Convenience? We got that.Class Act takes pride in offering the convenience that our members deserve. Even though we don’t have branches or ATMs in every single neighborhood, we still deliver that same level of convenience with shared branching and network ATMs.

Class Act is part of the shared branch network with over 5,000 branches in all 50 states. Even when you are out of town, chances are there’s a shared branch nearby where you can access your Class Act accounts.

For ATMs, Class Act is part of two networks (Alliance One, and CO-OP) with over 35,000 combined ATMs all over the U.S. In addition, Class Act members enjoy free ATM transactions at any of 5/3rd bank’s 2,300 ATM locations. For even greater convenience, download the shared branch and ATM finder apps: Alliance One ATM Locator; CO-OP ATM Shared Branch Locator, both available on Google Play and the App Store.

Board Nominations NoticeEnclosed with your statement is an Official Notice of 2019 Annual Meeting and Nomination Procedure form. Please take a moment to read this form and call your Credit Union with any questions. Members who receive e-Statements will receive the Nominations Procedure by way of email.

Holiday LoansThis holiday season, don’t empty your wallet to fill those stockings. Instead, get a Holiday Loan from your credit union. Our Holiday Loans are an annual favorite for Class Act members, and for good reason. We’ve lowered the interest rate by 2% (to as low as 7.0% APY*). Borrow up to $3,000 and take up to 24 months to repay. You can even defer your first loan payment up to 60 days. Holiday loans will be available November 1st through January 31st, and are a great way to stretch your gift-buying budget during the holidays.

*Annual Percentage Rate. No other discounts apply. Rates subject to change. Payment illustration: $3,000 holiday loan at 7.0% yields 24 monthly payments of $134.31

Get Exclusive Discounts From Love My Credit Union® Rewards!Class Act knows your home is a big investment, and we already help you save on mortgages and home loans. Now with the Love My Credit Union Rewards program, you can save even more on products and services you use every day. Membershave 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:

♥ Members get a $100 cash reward for each new line you activate with Sprint®. Current Sprint customers will receive a $50 cash reward for each line transferred into Sprint Credit Union Member Cash Rewards. Plus, get a $50 loyalty cash reward every year for each line.*

♥ Get an exclusive smoke communicator and a $100 gift card with a NEW ADT® monitored home security system. Call 844-703-0123 to activate this special offer through the Love My Credit Union Rewards program.

♥ Get trusted protection at true savings with the 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, visit our website or LoveMyCreditUnion.org. You get all these offers and discounts just for being a member of Class Act Federal Credit Union.

*Limited time offers. Activ. Fee: Up to $30/line. Credit approval req. Cash Reward Offers: Avail. for eligible credit union members & member employees with qualifying corp. id. (ongoing verification). $100 Cash Reward for new smartphone line activ. up to 3 lines. Req. activ. at point of sale. Excludes CL, MBB devices, tablets, Sprint Phone Connect, upgrs., replacements & ports made between Sprint entities or providers associated with Sprint. Limit one SWP Corp ID per Sprint acct. No add’l. discounts apply. Loyalty Reward: $50/line/yr. Cash Reward up to 3 lines when Sprint acct. remains active and in good standing each yr. Transfer Reward: Members participating in another discount program are eligible for a $50 Cash Reward for up to 3 smartphone lines transferred to Cash Reward program. Deposit: Cash Reward issued by CU Solutions Group. Sprint acct. must remain active and in good standing for 31 days to receive Cash Reward. Allow 6-8 wks. for Cash Reward to be deposited to your Credit Union acct. If the Cash Reward does not appear after 8 wks., visit lovemycreditunion.org/sprintrewards & click on “Cash Rewards Tracker”. Other Terms: Offer/coverage not avail. everywhere or for all phones/networks. May not be combinable with other offers. Offer, terms, restrictions, & options subject to change & may be modified, discontinued, or terminated at any time without notice. Restrictions apply. © 2018 Sprint. All rights reserved. Sprint & the logo are trademarks of Sprint. Other marks are the property of their respective owners.

< Convenience? We got that. Even when you are out of town, chances are there’s a shared branch nearby.

< Holiday Loans Our Holiday Loans are an annual favorite for Class Act Members.

P3

INSIDETAKE A LOOK

News and Information for the Members of Class Act Federal Credit Union

OCTOBER / NOVEMBER / DECEMBER 2018

< Love My Credit Union Rewards

Save money on products and services you use every day.

members@classact.orgclassact.org

Loan Rates as ofOctober 1, 2018NEWS

RATE

HOLIDAY

CLOSINGSColumbus Day October 8Veterans Day November 12Thanksgiving Day November 22Christmas Day December 25New Years Day January 1

CONNECT WITH US

P4

Annual Percentage Rate*New Car & Motorcycle as low as 2.75%*Used Car & Motorcycle as low as 2.75%*New Boats/RVs/Campers as low as 4.00%*Used Boats/Rvs/Campers as low as 4.00%*Personal/Signature as low as 8.50%*Overdraft Line of Credit 15.00%Platinum Visa as low as 11.25%Share Secured as low as 5.00%Share Certificate Secured as low as 5.00%Home Equity LOC - Prime + 0% as low as 5.25%LifeStyle Access Line of Credit as low as 10.25%Fixed Rate 2nd Mortgage as low as 4.50%*10-30 Year Fixed Rate 1st Mortgages Call for Quote

*Rates reflect .25% discount for automatic payment, and .25% discount for CAFCU checking with direct deposit. Prime rate at time of publication is 4.75%. Rates based on borrower’s qualifications and are subject to change. Other rates and terms available. NMLS# 403005

Main Office3620 Fern Valley Road • Louisville, KY 40219-1917

(502) 964-7575 • 1-800-292-2960 • Fax: (502) 966-2061Office HoursMonday - Friday 9:00am – 5:00pmSaturday 9:00am – 1:00pm

Cardinal Towne Branch331 W. Cardinal Boulevard • Louisville, KY 40208

Office HoursMonday - Friday 9:00am – 5:00pmSaturday 9:00am – 1:00pm

East Branch3711 Diann Marie Road • Louisville, KY 40241

Office HoursMonday – Friday 9:00am – 5:00pmSaturday 9:00am – 1:00pm

Shared BranchesThere are 12 metro area shared branches, and over

5,000 nationwide. To find the one nearest you visit our homepage or get the CO-OP Shared Branch Locator app

at Google Play or the App Store.

“Express Line”(502) 964-7575 • 1-800-292-2960

P2

Credit CardsGo Platinum and Save!Replace your high-interest credit card, with a better choice – a Platinum Visa card from your credit union! You’ll enjoy a low interest rate, plus 1% cash back on every single purchase! New cardholders will really like the 0% intro rate and low balance transfer fee.

• 0% intro rate on purchases and balance transfers for 6 months• Rates as low as 11.25% APR* following intro period• Low 1% balance transfer fee (most other cards charge 3% to 5%)• Unlimited 1% cash back on ALL purchases

Apply today to maximize your savings during the upcoming holiday shopping season!

*Annual Percentage Rate. Variable rate, indexed to Prime.

Platinum Visa Cash RewardsGood news just in time for the holidays. Members who have Class Act’s Platinum Visa credit card will receive their annual 1% cash back bonus on December 1st. The bonus, which is paid on all net purchases made with the card will be posted to each member’s Share 1 savings account. It pays to use Class Act’s Platinum Visa!

Avoid Fraud this Holiday SeasonSadly, the holiday season brings with it a spike in fraud activity. Class Act urges members to be extra vigilant while shopping, whether at retail stores or online. Class Act employs a number of state of the art fraud-fighting tools, and we are available 24/7 via phone to assist with your card needs. Class Act credit and debit cards carry the E.M.V. chip to

reduce fraud, and we use real-time fraud monitoring services to protect your accounts. We are committed to keeping your card information safe while you shop, wherever you shop. You can help too by checking your account frequently, and notifying us immediately when you discover fraud or if your cards have been lost or stolen. Notify us 48 hours in advance if you will be traveling during the holidays or whenever you are out of town. Also, be sure we have your current cell phone number on file. Our fraud monitoring service will text you if it detects a suspicious transaction. If the charge is valid, simply reply to the text. Otherwise your transaction may be declined. Call us at 502.964.7575 and select the prompt for fraud if you discover unauthorized transactions or if your card has been lost or stolen. Thank you.