A N N U A L R E P O R T 2 0 1 6

E M P O W E R I N G M E M B E R S , S T R E N G T H E N I N G C O M M U N I T I E S

Over the years, the employees and volunteers of Aberdeen Proving

Ground Federal Credit Union have strived to bring you the products

and services you desire, while doing so in a constantly evolving,

modernist approach.

Approximately one-third of you wake up in the morning and reach for

your smartphone, iPhone or iPad to see what happened in the world

while you slept. You can now check on the status of your accounts at a

moment’s notice during the day, at night, on weekends and holidays

by using mobile banking, online banking or our ABBY telephone teller.

Our ATMs stand ready to provide cash when and where you need it.

Many of you no longer need to visit our branches to meet your needs.

But for those of you who do, we are there to assist you. While technology

can present its own set of challenges, for example, constantly changing

passwords for your protection, you can rest assured that our employees

work hard to help protect your information and the security of

your funds.

Once again, we had a successful examination by our federal regulator,

the National Credit Union Administration (NCUA), as well as a

successful independent, external audit, with no material findings

from either entity. NCUA has deemed APGFCU to be a well-capitalized,

safe and sound institution, which faithfully and fully serves

its membership.

We were recognized as a state leader in financial education when we

were selected as the winner of the Outstanding Organization Award in

the third annual Financial Education and Capability Awards program.

This award, which commended our efforts in delivering financial

education to youth and adults, was presented in Annapolis, where we

received special recognition on the floor of the Maryland Senate and

House of Delegates.

Our Dealer Direct program, which allows members the convenience

of obtaining an APGFCU auto loan at over 90 area auto dealers,

celebrated the milestone of originating $1 billion in auto loans since its

inception in 2003. This program is another example of how we strive

to make doing business with APGFCU as

convenient as possible.

N E W O F F E R I N G S TO M E M B E R S I N

2 0 1 6 I N C LU D E D :

• The installation of a Whiteford-area

ATM to serve our members in northern

Harford County

• An enhancement to mobile banking

that allows you to see your balance without logging in

• The ability to change your credit or debit card PIN by phone

• Discounted auto and homeowner’s insurance through a new

partnership with Traveler’s Insurance

• Large-print membership cards

Lastly, but certainly not least, we continued to demonstrate our

commitment to the community by supporting over 120 nonprofit

organizations and charitable causes throughout Harford and Cecil

counties. Especially noteworthy was our sponsorship of Schooner Cove,

the interactive children’s area in the new Havre de Grace Library.

Our underwriting of this project highlights our desire to help educate

children – even at the earliest ages. We also hosted the 12th Annual

Community Invitational Tournament at Ripken Stadium, where

approximately 70 children from 11-under and 12-under baseball and

softball teams competed in double-elimination rounds. Each year, this

free tournament gives local youth the opportunity to play at one of the

most sought-after youth baseball facilities in the United States.

APGFCU truly does empower members and strengthen communities. It

was an honor to serve you in my first year as chairman, and a pleasure

to deliver the exceptional results outlined in this report.

B A R RY D. D EC K E R , C S M ( R E T. )

Chairman, Board of Directors

M E S S A G E F R O M T H E C H A I R M A N

“NCUA has

deemed AP GFCU

to be a well-

capitalized,

safe and sound

institution,

which faithf ully

and f ully serves

its membership.”

2

Em·pow·er ·ment (noun):The process of becoming stronger and more conf ident, especial ly in control l ing one’s l i fe and claiming one’s r ights. (Ox ford Dictionary)

The very definition of the word “empowerment” describes APGFCU’s

mission for members when it comes to their finances. We strive to help

our members become stronger and more confident financially, and

to take control of their finances. In turn, they will improve their own

lives, as well as the lives of the generations that follow them.

Financial literacy empowers both members and our society. At APGFCU,

we have developed opportunities for you to build financial skills and

to pass them along to your children and grandchildren. The time to do

this is now. Instead of struggling to make ends meet, you can realize

the possibility of homeownership, freedom from debt and building a

savings reserve.

We are here to help our members claim their right to financial literacy.

It all starts with the concept of ownership. When one becomes

a part of the credit union, one becomes a member-owner. A

shareholder. An investor. As a not-for-profit cooperative, the credit

union operates to return value to members in the form of better rates

on savings and loans, as well as fewer/lower fees. The bottom line: We

are here to serve you, to partner with you to build your wealth.

One of the many ways we help to do this is by educating members and

the community at large on financial matters. I encourage you to take

time to explore the many resources we offer, such as articles in our

newsletters and the “Education and Advice” section of our website.

There are a number of useful tools, including online courses, articles,

videos and more. Register for one of the seminars or workshops we

offer on topics ranging from home buying to getting your credit in

shape. Meet one-on-one by scheduling time with one of our financial

counselors or take advantage of the services available through our

partner GreenPath Financial Wellness.

If you have children, they may have

participated in the many financial

literacy sessions with a representative

from our financial education

department. This team actively conducts

courses in partnership with schools and

community organizations throughout

Harford and Cecil counties. In 2016

alone, they delivered 861 teaching and

coaching sessions, reaching over 8,500 individuals.

Ultimately, our goal is to empower our members so that they are in

control of their finances and can leave a legacy to their children,

grandchildren and future generations. That legacy is not only

monetary, but more importantly, a legacy of financial knowledge.

Share this valuable empowerment resource with others. What better gift

is there to give than the gift of credit union member-ownership? Open

an account for a child or grandchild and set up automatic transfers

from your account to theirs. Help that loved one get started – even if it’s

just a small amount at regular intervals. Doing so will help to provide a

foundation upon which they can then build. Pass on the power you have

realized. It is an increasing power throughout the generations. Each

generation becomes more prosperous than the previous one. That’s the

power of a legacy. We’ve provided the structure. Seize the opportunity.

Embrace it and pass it on.

Ultimately, our families become stronger and our communities become

stronger. That’s the heart and soul of APGFCU’s mission.

D O N W. L E W I SPresident/CEO

M E S S A G E F R O M T H E C E O

“Ultimately,

our goal is to

empower our

members so

that they are in

control of their

f inances and can

leave a legacy to

their children,

grandchildren

and f uture

generations.”

3

C O N V E N I E N T A C C E S S I N 2 0 1 6

2 9, 2 4 5Mobile banking members

4 6 ,7 9 4Online banking members

5 6 9, 8 9 4Bills paid through online banking

4 8 , 6 47Mobile deposits totaling $14.2 mill ion

$ 2 3 . 8 M I L L I O NLoans signed for electronically

$ 2 1. 4 M I L L I O NApproved loans f rom Internet applications

3 6 6 ,9 9 0Calls received by the Member Service Center

8 9, 5 2 0ATM deposits

$ 1 5 8 . 8 M I L L I O NDealer Direct auto loans

Our mission is to empower member-owners to

use and control their own money to improve their

economic and social conditions. This mission guides

our actions, informs our decisions and drives us to

put our members first in all that we do.

In 2016, APGFCU helped our members achieve,

prosper and grow by delivering high-quality,

affordable financial products, superior personal

attention, and enhanced convenience services.

VA LUA B L E P R O D U C T S

At APGFCU, our members are our owners. Members

received more than $560,000 in additional dividends

during 2016 from the credit union’s proactive

competitive increase to regular share savings and

money market account interest rates. Close to 1,900

new youth members (below age 18) received a total of

$43,000 in matching Youth Match deposits.

E M P O W E R I N G M E M B E R S

We encouraged non-members and members alike to “Fall in Love with AP GFCU” with a chance to win one of five $5,000 prizes. Three of the lucky winners pose with the check. Pictured from lef t to right: Tara Sewell, Annette Reid and Chris Hunt.

Our MyTimes senior members received over $24,000

in benefits, such as paid A ARP memberships.

P E R S O N A L AT T E N T I O N

At APGFCU, our member-owners receive our

undivided attention. We know that each member’s

financial goals and individual situation are unique.

Our branch and member service phone center

staffs are skilled credit union professionals who

provide useful information, helpful suggestions and

personal assistance to meet specific member needs.

For example, our Credit Builder program was

established to provide credit-challenged

members the opportunity to qualify for loans at

rates significantly below what they would pay with

other lenders. Over 1,400 members obtained more

than $14 million in Credit Builder loans during 2016.

4

C O M M I T T E D T O F I N A N C I A L E D U C A T I O N 2 0 1 6 S C H O L A R S* P ictured lef t to right, top to bottom

Delaney Lynn AppelFallston High SchoolAndrew Brannon Calvert Hall CollegeQuinton Francesco BurkeFallston High SchoolCatherine Dugan Butz Havre de Grace High SchoolAdam Joseph Caretti Patterson Mill High SchoolTyler Slayman The Tome SchoolKassandra Anne Dieter North Har ford High SchoolEmmett J. Van Venrooy The Charter School of Wilmington, Newark, DEDaniel Robert Gear y Aberdeen High SchoolHannah E. Grzymala North Har ford High SchoolMichael K . Moore, Jr. Tri-State Christian AcademyChloe Emann Jew C. Milton Wright High SchoolCarly B. Lyon The John Carroll SchoolAlexandra Remesch Perryvil le High SchoolLeah Catherine Skinner Perryvil le High SchoolRebekah ParadisFallston High SchoolNicholas Cifolell iElkton High SchoolEmma Annice Stump Havre de Grace High SchoolSarah Jo Frick Havre de Grace High School Zachar y Tyler Wilson Havre de Grace High SchoolNot pictured:Rachel Brianna WestRiverview High School, Sarasota, FL

We continue to expand our delivery of the financial

capability message with a focus on women, children,

young adults, seniors, members of the armed

forces and persons of modest means. Our outreach

included a focus on the academic community, from

elementary though post-secondary levels, as well as

faith-based and community service organizations.

We provided in-person and online financial courses,

community seminars and one-on-one member

appointments with on-staff financial counselors.

In 2016, APGFCU reached 8,517 individuals through

861 teaching and coaching sessions for adults,

middle and high school students in Harford and

Cecil counties.

We understand that financial capability leads

to wealth building – and that it’s never too early

to start on the path to financial independence.

APGFCU provides financial education programs that

classroom teachers can deliver to their students.

For example, APGFCU partnered with the Credit

Union Foundation of MD|DC to sponsor the first

Millionaire’s Club at North Harford High School in

2016. Local clubs receive a robust financial literacy

curriculum developed by the National Endowment

for Financial Education and financial support for

participation in activities such as the Personal

Finance Challenge local and national competitions.

Each year, AP G Federal Credit Union awards scholarships to exemplar y graduating high school students based on a written essay, academic achievement, and community involvement. The credit union is a leader in financial l iteracy programs designed to help young members develop successful money management skills.

5

A P G F C U H E R I T A G E T I M E L I N E

1 9 3 8Members: 200 Assets: $1,718

1 9 5 8Members: 345Assets: $17,589

1 9 78 Members: 26,000Assets: $75.7 mill ion

1 9 9 8Members: 67,927 Assets: $346.4 mill ion

2 0 0 8 Members: 82,461Assets: $665.5 mill ion

2 0 1 4 Members: 109,778Assets: $1 bil l ion

2 0 1 5 Members: 115,465Assets: $1.1 bil l ion

2 0 1 6 Members: 120,952Assets: $1.2 bil l ion

S T R E N G T H E N I N G C O M M U N I T I E S

In addition to our financial education commitment, APGFCU is also an engaged partner in our communities,

supporting a wide range of deserving organizations through employee volunteerism, nonprofit board

membership, philanthropic grants and community activity sponsorships.

In 2016, APGFCU’s Community Involvement Committee donated $108,000 to 43 different organizations in

Harford and Cecil counties. We also sponsored 75 community initiatives and local events.

H AV R E D E G R AC E L I B R A RY R I B B O N C U T T I N G

CEO Don Lewis joined members of our

board, executive management and

Harford County community leaders

for the June 2016 opening of the

new Havre de Grace Library – which

includes Schooner Cove, a one-of-

a-kind interactive children’s area

underwritten by APGFCU.

H E L P I N G H A B I TAT F O R H U M A N I T Y

APGFCU board members Sandra

Sasser, Charles Alston, John

Blomquist and Chairman Barry

Decker presented our $15,000

contribution during Habitat for

Humanity Susquehanna’s “Giving

Tuesday ” challenge. For 23 years,

APGFCU has proudly supported

Habitat for Humanity Susquehanna,

contributing both monetary

donations and volunteer time.

6

Aberdeen Chamber of Commerce

Aberdeen Golden Age Club

Aberdeen Room Archives & Museum

Abingdon Elks

Addiction Connections Resource

Al Cesky Scholarship Fund

Albert P. Close Foundation

American Cancer Society - Relay for Life

American Red Cross (Cecil & Harford)

Anna’s House

APG Morale, Welfare & Recreation

APG Civilian & Military Spouses Club

APG Police

APG Retiree Council

Army Alliance

Army One Source

Association of the United States Army

ATHENA Award

Bel Air Downtown Alliance

Bel Air Kite Festival

Bel Air Rotary

Bel Air Volunteer Fire Company

Boys and Girls Clubs of Cecil County

Boys and Girls Clubs of Harford County

Business and Education Partnership

Advisory Council

CASA - Court Appointed Special Advocates

for Children

Cecil & Harford County Departments of

Social Services “Ready by 21” initiative

Cecil College Foundation

Cecil County Chamber of Commerce

Cecil County Arts Foundation

Cecil County Commission on

Aging Foundation

Cecil County Farm Fair

Cecil County Office of

Economic Development

Cecil County Parks and Recreation

Cecil County Public Library

Cecil County Public Schools

Cell Phones for Soldiers

Center for the Visual & Performing Arts

Chesapeake Professional

Women’s Network

Chesapeake Science & Security

Corridor Sponsorship

Chesapeake Support Our Heroes

Cody Richardson Memorial

Scholarship Foundation

Credit Union House

Edgewood High School

Elkton Chamber & Alliance

Elkton Rotary Club

Empty Stocking Fund

Extreme Family Outreach

Fallston Recreation Council

Family & Children’s Services

Friends of the Library of Cecil County MD

Good Cause

Good Neighbor Energy Fund

Greater Bel Air Community Foundation

Greater Excellence in Education

Foundation (GEEF)

Habitat for Humanity Susquehanna

Harford Business Roundtable

for Education

Harford Chabad

Harford Community Action Agency

Harford Community College

Harford County Association of Realtors

Harford County Chamber of Commerce

Harford County Commission

on Disabilities

Harford County Department of Aging

Harford County Public Library Foundation

Harford County Public Schools

Harford County Sheriff’s Foundation

Harford Family House

Harford Land Trust

Harford’s Most Beautiful People

Haven House

Havre de Grace Chamber of Commerce

Havre de Grace Decoy Museum

Havre de Grace First Fridays

Havre de Grace Lions Club

Havre de Grace Opera House

Healthy Harford

Homecoming Project, Inc.

Hosanna Community House

Humane Society of Harford County

Inner County Outreach

John Carroll School

Joppa Magnolia Volunteer Fire Company

Ladew Gardens

Linking All So Others Succeed (LASOS)

LTC Gene Chandler Memorial Scholarship

Lutheran Mission Society of MD

Marines Helping Marines

Marriage Works of Harford County

Martha Mason Hill Foundation

Maryland Business Roundtable

Maryland Coalition for Financial Literacy

Maryland Financial Alliance

Maryland State Department of Education

Mason Dixon Community Services

Meals on Wheels of Central MD

(Cecil & Harford)

Meeting Ground

MLK Harford Humanitarian Awards

NAACP, Cecil County Branch

North East Chamber of Commerce

Northeastern Maryland Technology

Council (NEMTC)

Northern Chesapeake Hospice

Rising Sun Health Fair

Rising Sun SunFest

Rotary Club of Aberdeen

Rotary Club of North East

Route 40 Business Association

Salute to Cecil County Veterans

Salvation Army (Cecil & Harford)

SARC

Singerly Fire Company

Soroptimist International

Special Olympics Maryland

(Cecil & Harford)

The ARC Northern Chesapeake Region

The Highlands School Foundation

The Homecoming Project

The Sharing Table

Toys for Tots

Transitioning Youth Expo

Union Hospital Foundation

Upper Bay Counseling Support Services

Upper Chesapeake Hospital Foundation

Welcome One Emergency Shelter

Women in Defense

YMCA (Cecil & Harford)

Youth Empowerment Source

S T R E N G T H E N I N G C O M M U N I T I E S

A P G F C U I S A S U P P O R T I N G P A R T N E R O F A N U M B E R O F I N I T I A T I V E S I N H A R F O R D & C E C I L C O U N T I E S

7

A S S E T S 2 0 1 6 2 0 1 5

Cash $ 7,313,794 $ 7,213,340

Investments:

Overnight investments 83,326,838 39,871,898

Available-for-sale 49,518,300 96,503,676

Held-to-maturity 14,806 25,131

Other 4,373,502 4,120,836

Loans held for sale 1,369,300 805,440

Loans to members, net 975,901,188 881,811,708

Accrued interest receivable 2,222,470 2,065,914

Property and equipment, net 24,660,223 25,022,901

Other assets 12,875,128 12,170,614

NCUSIF deposit 9,931,379 9,335,711

Total assets $ 1,171,506,928 $ 1,078,947,169

L I A B I L I T I E S A N D M E M B E R S ’ EQ U I T Y 2 0 1 6 2 0 1 5

LIABILITIES:

Members’ shares and

savings accounts $ 1,043,258,657 $ 964,571,457

Accrued expenses and

other liabilities 32,775,740 26,587,525

Total liabilities 1,076,034,397 991,158,982

MEMBERS’ EQUITY:

Regular reserve 5,856,920 5,856,920

Appropriated undivided

earnings 107,015,289 97,864,393

Undivided earnings 100 100

Accumulated other

comprehensive loss (17,399,778) (15,933,226)

Total members’ equity 95,472,531 87,788,187

Total liabilities and

members’ equity $ 1,171,506,928 $ 1,078,947,169

To receive a copy of the audited financial reports, please call 410-272-4000 and ask for the Marketing Department.

S T A T E M E N T S O F F I N A N C I A L C O N D I T I O NS U P E R V I S O R Y C O M M I T T E E R E P O R T

Our credit union’s Super visor y

Committee is responsible for

ensuring the effectiveness of

internal checks and balances,

such as the system of internal

controls, adherence to

established policies and

procedures, and the overall

safety and soundness of our

credit union. By The Federal

Credit Union Act, the

Super visor y Committee is

responsible for the annual

external audit and the

review and verification of

member accounts.

The Super visor y Committee

assures that the credit union is

healthy in all areas for which it

has responsibility. An annual

audit and all the work

associated with it was

conducted by our accounting

firm, Doeren Mayhew.

Based on their report, the

Super visor y Committee of

APGFCU deems our credit

union healthy and financially

sound. The financial report as

printed in this annual report is

extracted from the audited

financial statements.

The financial statements in the

report reflect the financial

condition of the credit union.

A S O F D EC E M B E R 3 1,

A S O F D EC E M B E R 3 1,

A S S E T S ( $ I N M I L L I O N S )

$978.3

2013

$1,019.9

2014

$1,078.9

2015

$ 1,171.5

2016

N E T LOA N S ( $ I N M I L L I O N S )

$713.6

2013

$801.4

2014

$881.8

2015

$975.9

2016

S H A R E S ( $ I N M I L L I O N S )

$880.8

2013

$917.4

2014

$964.6

2015

$1,043.3

2016

M E M B E R S ( T H O U SA N D S )

104.3

2013

109.8

2014

115.5

2015

121.0

2016

8

F O R T H E Y E A R S E N D E D D EC E M B E R 3 1,

I N T E R E ST I N C O M E 2016 2015

Loans to members $ 47,566,378 $ 44,093,942

Investments and cash equivalents 1,026,560 1,093,842

Total interest income 48,592,938 45,187,784

I N T E R E ST E X P E N S E

Dividends on members’ shares 4,839,980 4,263,794

43,752,958 40,923,990

P R OV I S I O N F O R LOA N LO S S E S 7,140,156 5,657,338

Net interest income after provision for loan losses 36,612,802 35,266,652

N O N - I N T E R E ST I N C O M E

Other non-interest income 9,811,653 9,487,832

Fees and charges 5,988,132 5,263,110

Net gain on sales of loans 717,635 648,297

Total non-interest income 16,517,420 15,399,239 53,130,222 50,665,891

N O N - I N T E R E ST E X P E N S E

Compensation and benefits:

Executive/senior management 6,128,698 5,884, 911

Other employees 19,522,840 18,585,081

Office operating costs 5,200,970 4,839,814

Loan servicing expenses 3,292,537 3,262,562

Professional services 4,663,059 4,277,094

Occupancy expense 2,437,257 2,502,890

Promotional expense 1,795,762 1,855,742

Other expenses 938,203 954,672

Total non-interest expense 43,979,326 42,162,766

Net Income $ 9,150,896 $ 8,503,125

OT H E R C O M P R E H E N S I V E ( LO S S )/ I N C O M E

Unrealized gains/(losses) on investments

classified as available-for-sale 120,058 (239,841)

Net (loss)/gain in defined benefit obligations (1,586,610) 1,812,578

Other comprehensive (loss)/income (1,466,552) 1,572,737

Comprehensive income $ 7,684,344 $ 10,075,862

S T A T E M E N T S O F I N C O M E A N D C O M P R E H E N S I V E O P E R A T I O N S

I n t e r e s t o n l o a n s $ 4 7 , 5 6 6 , 3 7 8I n t e r e s t o n i nv e s t m e n t s 1 , 0 2 6 , 5 6 0O t h e r 1 6 , 5 1 7 , 4 2 0

D i v i d e n d s $ 4 , 8 3 9 , 9 8 0 R e s e r v e s 9 , 1 5 0 , 8 9 6Pr o v i s i o n f o r l o a n l o s s e s 7 , 1 4 0 , 1 5 6S a l a r i e s a n d b e n e f i t s 2 5 , 6 5 1 , 5 3 8O f f i c e a n d o c c u p a n c y 7 , 6 3 8 , 2 2 7O t h e r e x p e n s e s 1 0 , 6 8 9 , 5 6 1

7 3 .0 %

3 9. 4 %

1 1.0 %

1 4 .1 %1 6 . 4 %

1 1.7 %

7. 4 %

2 5 . 4 %

1. 6 %

TOTA L $ 6 5 , 110 ,3 5 8

TOTA L $ 6 5 , 1 1 0, 3 5 8

S O U R C E S O F I N C O M E

D I ST R I B U T I O N O F I N C O M E

9

O U R M I S S I O NOur mission is to empower our member-owners to use and control their own money to improve their economic and social conditions. We encourage thrif t among ourmember-owners and create a source of credit at a fair rate of interest by operating our not-for-prof it creditunion as a democratic, membership-driven cooperative.

O U R V A L U E SOur reputation for quality service is based on our commitment to you, our member-owners. Your unique needs play a key role in every decision we make. The credit union spirit l ives in our values and these values guide us in everything we do.

O U R M E M B E R S C O M E F I R S T• We embrace change and evolve minute by minute because it benef its our members.• We improve the quality of our members’ l ives.• We provide quality service that exceeds our members’ expectations.• We employ, train and develop credit unionists f rom the best and brightest the market can supply.• We are a credit union movement leader.

E D G E WO O D H I G H S C H O O L R A M B R A N C H

The 2015-2016 school year marked the fifth year

that the Academy of Finance Branch operated on the

high school campus. Student volunteers staff the

RAM branch where they gain hands-on experience

and real-world skills in areas such as operations,

management and marketing.

A P G F C U C O M M U N I T Y I N V I TAT I O N A L

In June 2016, APGFCU hosted our 12th Annual

Community Invitational Tournament for local

baseball and softball teams at Ripken Youth Baseball

Academy in Aberdeen. More than 70 boys and girls

from 11-under and 12-under teams competed in the

double-elimination tournament.

F I N A N C I A L E D U C AT I O N A N D C A PA B I L I T Y AWA R D

APGFCU received the 2016 Outstanding Organization

Award in the third annual Financial Education and

Capability Awards program offered by the Maryland

CASH Campaign, Maryland Council on Economic

Education and the Maryland State Department of

Education. Our financial education team accepted

this honorable award on the floor of the Maryland

Senate and House of Delegates.

E M P O W E R I N G M E M B E R S, S T R E N G T H E N I N G C O M M U N I T I E S

1 0

S U P E R V I S O R Y C O M M I T T E EMarjorie E. War fieldChair

Emanuel C. HattonSecretary

Michelle L . Lafalaise

John J. Salser

Alexander P. Williams

Charles C. GibsonAlternate

O T H E R V O L U N T E E R SChristine T. Chambliss

Doris B. Drennen

Clinton Edmonds, Jr.

Delores Gill iam

Sara Jane Gove

Dee N. Layman

Michael J. Layman, Major (Ret.)

Nancy F. Regan

Cher yl D. RiceBarr y D. Decker, CSM (Ret.)Chairman

Paul D. EikenbergVice Chairman

Sandra J. SasserSecretary

Donald J. Burnett, COL (Ret.)Treasurer

Michael L . Dixon, LTC (Ret.)Assistant Treasurer

Charles N. Alston, Sr.

John A. Blomquist

Antha W. Edwards

David H. Gilbert

Windsor L . Jones

Joseph A. Traino, III, LTC (Ret.)

Amber N. AskewVice P resident - Accounting/Controller

Elizabeth BayerVice P resident - Internal Audit

Mark L . CowleyVice P resident - Security/Fraud

Sharon E. HudlerVice P resident - Operations

Melinda A. MalugaVice P resident - Human Resources

Robyn M. MannoneVice P resident - Retail Lending

Lisa A. MartinVice P resident - Compliance

Paul A. SlabyVice P resident - Finance

Nina D. SpencerVice P resident - Branch Operations

Daniel P. WetzelVice P resident - Mortgage Lending

V O L U N T E E R S A N D M A N A G E M E N T B U I L D I N G S T R O N G L E A D E R S H I P

Don W. LewisP resident/CEO

Carol L . McBrienExecutive Vice P resident/CFO

John Hricik, Jr.Senior Vice P resident – Mortgage Lending and Risk Management

Susan M. KemenChief Operations O ff icer

Genene E. LaCourChief Administration O ff icer

Brian E. WilcoxChief Marketing O ff icer

Scott T. WeaverChief Lending O ff icer

Janet L . SelfExecutive Assistant to the CEO

V I C E P R E S I D E N T SB O A R D O F D I R E C T O R S

A S S O C I A T E D I R E C T O R Wayne G. Taylor

E X E C U T I V E M A N A G E M E N T

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O U R F A M I LY O F B R A N C H E S T O S E R V E Y O US e r v i n g e v e r y o n e w h o l i v e s , w o r k s , w o r s h i p s , v o l u n t e e r s o r a t t e n d s s c h o o l i n H a r f o r d o r C e c i l c o u n t i e s i n M a r y l a n d .

A B E R D E E N9 9 6 B e a r d s H i l l R o a d

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H AV R E D E G R A C E1 0 4 5 W. P u l a s k i H i g h w a y

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A T M SATMs are located at each branch and at additional locations in Har ford and Cecil counties. Visit our website for a map with locations.

M Y L O A N C E N T E R S & AT M S1005 Elk Mills Road | Elkton, MD 21921223-D E. Main Street | Rising Sun, MD 21911

2 4 - H O U R C O N V E N I E N C EOnline Banking & Mobile Banking: www.AP GFCU.comPhone Banking: 410-272-4000, press 21-800-225-2555, press 2

M A I L I N G A D D R E S S :

P O B OX 1 1 76 A B E R D E E N M D 2 1 0 0 1 - 6 1 76

W W W. A P G F C U.C O M

Federally insured by NCUA

M E M B E R S E R V I C E C E N T E RMonday – Friday: 8 a.m. – 8 p.m.Saturday: 9 a.m. – 1 p.m.Call: 410-272-4000, press 4Toll-Free: 1-800-225-2555, press 4TTY: 1-800-811-4888

H O M E L O A N C E N T E R321 S. Main Street Bel Air, MD 21014Toll-Free: 1-888-LOAN-391(1-888-562-6391)Apply 24/7 at www.AP GFCU.com/Mortgages

2016