/LSCU+Update

A presentation on

LSCU Update Chapter Leaders’ Retreat April 19, 2012

LSCU Forums • Overview – Quarterly forums to provide updates on recent LSCU and CUNA activities on your behalf – Schedule for upcoming updates • June 21st • October 10th • December 18th

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LSCU Board Elections • Two seats for each Membership Class – Class A: Credit unions with fewer than 2,000 members – Class B: Credit unions with not less than 2,000 members, but not more than 15,000 members – Class C: Credit unions with not less than 15,000 members, but not more than 40,000 members – Class D: Credit unions with 40,000 or more members

• Three Class A seats are open (two in FL; one in AL) with no incumbents • One Class C seat open in AL with incumbent Bob Steensma, Five Star CU CEO, seeking re-election • Official Nomination & Certification Form must be received by 4pm CDT/5pm EDT on April 20 3

Governmental Affairs Update • Member Business Lending – Vote expected in the Senate within the next two weeks – First time in 14 years for Senate vote on stand-alone credit union legislation – Vote will be a make or break for the legislation and the grassroots advocacy reputation of credit unions in Washington – If we are successful, it will make us stronger in Washington; better able to move other parts of our legislative agenda forward – To those who ask when credit unions are going to get a legislative “win,” this is the time for every credit union to step up and make it happen – If we are defeated, be assured that it will embolden the banks even more and we can expect a heightened level of attack on other issues, including the credit union tax exemption 4

Governmental Affairs Update • Supplemental Capital – Current law restricts credit unions to building their capital levels through retained earnings – Under the newly introduced bill, supplemental capital would be uninsured and subordinate to other claims against a credit union

• Financial Institutions Exam Fairness & Reform Act – The legislation would make available to financial institutions the information used by examiners to make decisions in their examination – It would also codify certain examination policy guidance and establish an ombudsman and appeals process at the Federal Financial Institutions Examination Council (FFIEC)

• More information at www.lscu.coop/Governmental-Affairs/LSCU-ActionCenter/MBL-Legislation-Resources

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Governmental Affairs Update • The League has developed a post-examination feedback survey • The electronic survey, available on our website, allows credit unions the opportunity to provide immediate feedback on their federal and/or state examination • The feedback you provide from this survey will ensure that the League has the best and most pertinent information when we talk with our regulators •

www.lscu.coop/Governmental-Affairs/Compliance-OperationalSupport/Post-Examination-Feedback-Survey

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Education Update • AC&E is June 13-16 at the JW Marriott in Orlando • Game Change authors Mark Halperin and John Heilemann will provide the keynote address • NCUA Chairman Debbie Matz is also scheduled to speak • AC&E will feature 20 educational opportunities including CEO, Director and Executive’s track, one of the largest exhibit halls in the country and a dinner/entertainment show with 10-yearold piano sensation Ethan Bortnick performing • Go to www.lscuconvention.com to learn more and to register

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Education Update • Upcoming educational events – Disaster Preparedness Workshops on April 24th in Miami and April 26th in Montgomery – Asset-Liability Management Workshop in Birmingham on May 15th and 16th – Regional Bank Secrecy Act training opportunities

• Training opportunities are available at the chapter level – Bill Berg and Scott Morris are available to present training on compliance-related subjects

• Education calendar at www.lscu.coop/Education/Events-Calendar

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Cooperative Initiatives Update • Fundraising for “Leave Behind” project honoring the Republican National Convention in Tampa is under way – Credit unions will build a therapeutic playground at All Children’s Hospital, the Children’s Miracle Network Hospital, in the Tampa area – It will take $300,000 to build the playground and the project gives credit unions an opportunity to showcase their cooperative spirit – For information on how you can participate, visit the Southeastern Credit Union Foundation website, www.supportourCUcommunity.org or contact Laura Vann at 866.231.0545, ext. 2181

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Cooperative Initiatives Update

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Cooperative Initiatives Update • College Internship Program implementation under way – 10 paid internships available – Internship materials available in your binders

• High School Scholarship Program ends in 2012 – Chapter leaders will be asked to present scholarships at awards ceremonies

• Fundraising materials for Children’s Miracle Network Hospitals activities available on Southeastern Credit Union Foundation website – www.supportourCUcommunity.org – Encourage you to schedule tours or hold meetings at your local CMN Hospital

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Chapters and LSCU • Participation in chapter activities is an important value of affiliation and it is important to make chapter activities available only to LSCU affiliated credit unions • Increased League affiliation not only strengthens the credit union movement in our states but also strengthens our chapters • We continue to work hard to grow affiliation but our efforts will not be successful if the benefits of affiliation are provided to those credit unions that have chosen not to become members of the League and CUNA

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Affiliation Statistic • Current affiliation rate of 79% – 228 of the 288 credit unions in AL and FL are members of the LSCU – 78% affiliation rate at 2011 Chapter Leaders’ Retreat – 74% affiliation rate at 2010 Chapter Leaders’ Retreat

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Birmingham Chapter Affiliates • ACIPCO FCU • Alabama Central CU • Alabama Telco CU • America’s First FCU • APCO Employees CU • eCo CU • Energen CU • Federal Employees CU • Health CU

Affiliates • Jefferson CU • Legacy Community FCU • Marvel City FCU • Milestone CU • Mutual Savings CU • New Pilgrim FCU • NRS Community Development FCU • Secure First CU 14

Birmingham Chapter Affiliates • Sixth Avenue Baptist FCU • Social Security CU • St. John’s AME FCU • U.S. Pipe Bessemer Employees FCU • State Farm FCU (associate)

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Birmingham Chapter Non-Affiliates • ANG FCU • Alabama Postal CU • Birmingham Police CU • City of Birmingham General Employees CU • EBSCO FCU • Fireman’s CU • First Educators CU • L & N Employees CU

Non-Affiliates • Landmark CU • O’Neal CU • People’s First FCU • Railroad CU • SRI Employees FCU

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Cheaha Chapter Affiliates • Alabama Teachers CU • Brassies CU • Chem Family CU • Community CU • Coosa Pines FCU • Family Savings FCU • Fort McClellan CU • Heritage South CU

Affiliates • N.E.A.R.M.C. Employees FCU • Northeast Alabama Postal FCU • NUCOR Employees FCU

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Cheaha Chapter Non-Affiliates • AOD FCU • Sycamore FCU

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Mobile Chapter Affiliates • Alabama River CU • Azalea City CU • Blue Flame CU • Chemco CU • Clarke Educators FCU • Demopolis FCU • Gulf Coast FCU • McIntosh Chemical FCU • Mobile Educators CU

Affiliates • Mobile Postal Employees CU • Monroe Education Employees FCU • Naheola CU • New Horizons CU • Progressive FCU • Shoreline CU • The Infirmary FCU 19

Mobile Chapter Affiliates • University of South Alabama FCU • Navigator CU (associate)

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Mobile Chapter Non-Affiliates • Allied CU • Baldwin County FCU • Brewton Mill FCU • Degussa Employees FCU • Mobile Government Employees CU

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Montgomery Chapter Affiliates • Alabama Rural Electric FCU • Alabama State Employees CU • Auburn University FCU • Chattahoochee FCU • Craig CU • Dixie Craft Employees CU • East Alabama Community FCU

Affiliates • Fedmont FCU • First Kingdom Community Development FCU • Four Seasons FCU • Guardian CU • Mead Coated Board FCU • Montgomery VA FCU • Riverdale CU • Tri-Rivers FCU • TVH FCU 22

Montgomery Chapter Non-Affiliates • Employees Savings CU • MAX CU • Phenix Pride FCU • Tuskegee FCU

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Muscle Shoals Chapter Affiliates • Champion Community CU • Florence FCU • Lauderdale County Teachers CU • Listerhill CU • Railway Employees CU • Tuscumbia FCU • TVA CU • Valley CU

Non-Affiliates • Electrical Workers No. 588 FCU

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Northeast Alabama Chapter Affiliates • Councill FCU • Family Security CU • North Alabama Educators CU • Redstone FCU • Rocket City FCU • Stevenson FCU • Wolverine CU

Non-Affiliates • North Alabama Papermakers FCU • Postal Employees CU

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Tuscaloosa Chapter Affiliates • Alabama CU • City CU • DCH CU • FOGCE FCU • Tuscaloosa CU • Tuscaloosa County CU • Tuscaloosa Teachers CU • Tuscaloosa VA FCU

Non-Affiliates • Alabama One CU

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Wiregrass Chapter—100% Affiliation!

Affiliates • Andalusia Mills Employees CU • Army Aviation Center FCU • Covington Schools FCU • Five Star CU • IAM Community FCU • Opp-Micolas CU • Pike Teachers CU

Affiliates • Wiregrass FCU

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Broward Chapter Affiliates • BrightStar CU • Broward HealthCare FCU • City County CU • Florida Transportation CU • Memorial Employees FCU • Peoples FCU • Pompano Beach City Employees CU

Affiliates • Priority One Credit Union of Florida • Sun CU • Tropical Financial CU

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Broward Chapter Non-Affiliates • Coral Community FCU • MacNeill Employees CU • Power Financial CU

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Central Florida Chapter Affiliates • Central Florida Postal CU • CFE FCU • Community CU of Florida • Darden Employees FCU • FRSA CU • Fairwinds CU • Financial Educators FCU • Florida Hospital CU • Gulf States CU

Affiliates • Insight CU • Local 606 Electrical Workers FCU • Martin FCU • McCoy FCU • Orlando FCU • Seminole Schools FCU • Space Coast CU

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Central Florida Chapter Affiliates • Partners FCU (associate) • State Farm FCU (associate)

Non-Affiliates • Community Trust FCU • Kennedy Space Center FCU • Magnify CU • MIDFLORIDA CU • Publix Employees FCU

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Gulf Coast Chapter Affiliates Non-Affiliates • Bay CU • Panhandle Educators FCU • Calhoun-Liberty Emp. CU • Community South CU • Emerald Coast FCU • Innovations FCU • Jackson County Teachers CU • Sunland CU • Tyndall CU • Walton County Teachers FCU 32

North Central Chapter Affiliates • 1st Credit Union of Gainesville • Campus USA CU • Clay Electric Emp. CU • Florida CU • HCA FCU • Madison Education Association CU • SunState FCU • Suwannee River FCU

Non-Affiliates • First Coast Community CU • Ocala Community CU

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Northeast Florida Chapter Affiliates • 1-2-1 Financial CU • Anchor 7 FCU • Coastline FCU • Community First Credit Union of Florida • Container Mutual FCU • DUCOTE FCU • Duval FCU • Farmers FCU

Affiliates • First Coast FCU • First Florida CU • Florida Baptist CU • Healthcare’s Cooperative CU • Jacksonville Fireman’s CU • Jacksonville Postal & Professional CU

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Northeast Florida Chapter Affiliates Non-Affiliates • Jax FCU • City & Police FCU • Jax Glidco Employees FCU • Country FCU • Jax Metro FCU • JM Associates FCU • Metro North FCU • State Employees CU • VyStar CU • American Eagle CU (associate) 35

Northwest Florida Chapter Affiliates • Central CU of Florida • Florida State Employees FCU • GPCE CU • Members First CU of Florida • Okaloosa County Teachers FCU • Pen Air FCU

Non-Affiliates • Baptist Regional Medical FCU • ECCO CU • Eglin FCU • Gulf Winds FCU • Harvesters FCU • Pensacola FCU • Pensacola Government FCU

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Northwest Florida Chapter Non-Affiliates • Pensacola L&N Employees FCU • Santa Rosa County FCU

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Palm Beach Chapter Affiliates • Gold Coast FCU • IBM Southeast Employees FCU • Indian River FCU • PBC CU • Velocity Community FCU

Non-Affiliates • First Choice CU • South Atlantic FCU • Town of Palm Beach FCU

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Pinellas Chapter—100% Affiliation!

Affiliates • Achieva CU • Bay Pines FCU • City County Employees CU • ECU CU • Pinellas FCU • West Coast FCU

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Sara-Mana Chapter Affiliates • Lee County Mosquito Control CU • Manatee Community FCU • Sarasota Municipal Employees CU • West Coast Federal Employees CU

Non-Affiliates • Everglades CU

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Southernmost Chapter Affiliates • Baptist Health South Florida FCU • Dade County FCU • Hialeah Municipal FCU Employees FCU • JetStream FCU • Keys FCU • Miami FCU • Miami Postal Service CU

Affiliates • Monroe County Teachers FCU • North Dade Community Development FCU • Shaw-Ross Emp. CU • South Florida Ed. FCU • Southernmost FCU • United Police FCU • University CU 41

Southernmost Chapter Affiliates

Non-Affiliates

• American Airlines CU (associate)

• • • • • • • •

Compass Financial FCU Electricians Local #349 FCU Financial FCU Mercy CU Miami Firefighters FCU Ryder System FCU South Florida FCU St. James AME Church FCU

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Tallahassee Chapter—100% Affiliation!

Affiliates • Buckeye Community FCU • Envision CU • F.C.A.M.E.C. FCU • Flag CU • Florida A & M University FCU • Florida Commerce CU • Florida Department of Transportation CU • Florida Rural Electric CU

Affiliates • Florida State University FCU • FOCUS CU • Jefferson County Teachers CU • SCORE FCU • Tallahassee FCU • Tallahassee-Leon FCU • TMH FCU 43

Tampa Chapter Affiliates • Florida Central CU • Florida Customs FCU • Florida West Coast CU • Grow Financial FCU • GTE FCU • PowerNet FCU • Railroad & Industrial FCU • San Antonio Citizens FCU

Affiliates • Service 1st CU • Suncoast Schools FCU • SWC CU • Tampa Bay FCU • Tampa Postal FCU • USF FCU • American Eagle CU (associate)

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Tampa Chapter Non-Affiliates • St. Joseph’s Hospital FCU • Tampa Longshoreman’s FCU

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Chapters and LSCU A strong chapter system makes credit unions—and the League —stronger!

– Our goal for 2012 is 80% affiliation in Alabama and 82% affiliation in Florida – Long-term, we’d like to maintain an affiliation rate of at least 95%

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Chapters and LSCU How can we work together to improve affiliation?

– Do any of you have a good relationship with a non-affiliate?

– Are you willing to help us get an appointment ?

– Are you willing to call on an non-affiliate?

– Any ideas about how we can improve our outreach to non-affiliates?

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Cooperative Initiatives Team • Laura Vann, VP Cooperative Initiatives, 866.231.0545 x2181 or laura.vann@lscu.coop • Adena Whitman, Director of Member Relations, 866.231.0545 x2134 or adena.whitman@lscu.coop • April Ales, Member Relations Specialist, 866.231.0545 x1038 or april.ales@lscu.coop • David LeNoir, Member Relations Specialist, 866.231.0545 x2158 or david.lenoir@lscu.coop • Judy Scott, Member Relations Specialist, 866.231.0545 x1062 or judy.scott@lscu.coop • Leonard Parkhurst will join us on May 7th as Executive Director, Southeastern Credit Union Foundation 48

THANK YOU! We appreciate your dedication to your credit union, your community and your chapter.

A presentation on

LSCU Image Campaign April 19, 2012

Cooperative Image Campaign

• Cooperative Image campaign managed by the League for credit unions • The goal of the campaign is to raise awareness about credit unions • Gen X is the target audience. Research shows it’s the largest segment of the population that is looking for a financial institution

2011 Cooperative Image Campaign • 1st flight – $1.3 million campaign • 100 credit unions and the Central Florida Chapter contributed • First flight ran Sept. 7 – Oct. 14 in most markets across Alabama and Florida • Creative included TV, radio, online, billboard and a website – www.betternameforbanking.com • Contracted for pre- and post-campaign research, Google analytics and Call Report data to measure impact

2012 Cooperative Image Campaign • 2nd flight – $679,000 contributed ($415,000 more committed but haven’t received) • 90 credit unions have contributed, with 25 being new • Flight is set to run in May • Creative includes TV, radio, online, billboard and a website – www.betternameforbanking.com • Second TV spot being produced next week • Will conduct post-campaign research, along with Google analytics and Call Report data to measure impact

Image Campaign - Creative Second ad will once again use the actor from the first commercial.

Billboards will have a slightly different look with more color. Some online ads will push people toward loans.

Image Campaign - Creative www.betternameforbanking.com website homepage will feature picture banners to warm up the homepage.

Website will continue to show the credit union difference through savings buttons.

Consumers will still search for a credit union with the ones that contribute having all of their information displayed and be on the website first.

Cooperative Image Campaign – Does it work?

For Credit Unions in General During the LSCU Campaign Period, There Was a Small Lift in the Number of Target Audience Members Who Recall Seeing Communications/Advertising for Credit Unions in General

Alabama

Florida

29% 29%pre-campaign pre-campaign

19% 19%pre-campaign pre-campaign

35% post-campaign

27% post-campaign

6%

8%

Lift

Lift

Cooperative Image Campaign – Does it work?

• Research also found that 14% of those surveyed with a secondary relationship with a CU moved their money to a CU from a bank • Google analytics show that 65,000 consumers visited the website during the campaign and 64% typed the URL in directly • Call Report data for 3Q shows 48,000 new members joined in Alabama and Florida. 1Q/2Q averaged 20,000 new members in Alabama and Florida

How do Chapters fit into the campaign?

• We need you to help us inform the credit unions about the campaign • Help the League to speak at the chapter a couple of times a year about the campaign • Provide credit union feedback to the League about the campaign • We hope you champion the idea of a Cooperative Image Campaign for credit unions

Questions?

LSCU Communications Contacts Mike Bridges, VP, Marketing and Communications mike.bridges@lscu.coop, 866.231.0545 ext. 1022 Amy Jowers, Director of Information Services amy.jowers@lscu.coop, ext. 1020 Joseph Davis, Communications Coordinator joseph.davis@lscu.coop, ext. 1014

A presentation on

How LSCU Councils and Chapters Can Work Together Successfully April 19, 2012

The LSCU Councils Are: An Individual Membership Organization Councils provide resources, information, networking and professional development to credit union professionals in Alabama and Florida. The Councils are open to credit union employees who have responsibilities related to six key areas of credit union management. Councils are about helping individuals handle the day-to-day challenges as well as planning for future successes.

Targeted & Relevant to Credit Union Management Programs are focused on specific management disciplines. Each Council has its own conference, dedicated website and targeted resources. That means members can rely on a community based upon similar interests, people who talk their lingo and a network that’s not only willing to share expertise and experiences, but resources and contacts that are actually relate to their specific responsibilities.

Executive Focused Members are senior or mid-management level employees in their credit union.

Members are paid credit union employees --no vendor members, no credit union board members. While those people play their own important role, the Councils are meant to be a place where credit union executives can openly share in a tightly focused community of peers.

Ideas & Topics Generated by Credit Union Executives The Council Advisory Committee is made up of a dedicated community of credit union professionals who care about the success of their peers, their credit unions, and the industry as a whole. These leaders contribute ideas and agenda topics in support of professional development and the overall credit union movement.

For more information on how you can join the LSCU Councils, contact Lisa Hammock at 866.231.0545 x1146. “Like� us on Facebook for updated information and topic details: LSCU Councils

Upcoming Summer Council Meeting June 13, 2012 LSCU AC&E JW Marriott Grande Lakes | Orlando, FL 11:30am – 3:45pm $195/Person (Includes Lunch) The LSCU Councils, in collaboration with Alabama and Florida CUES, will be providing these stimulating sessions led by dynamic speakers at the 2012 LSCU Annual Convention & Exposition.

CFO Credit Unions Are Increasing the Use of Alternative Delivery Channels to Meet Member Demands; What You Need to Also Look at for Required Investments to Maintain Profitability Speaker: Terrence Roche, Cornerstone Advisors, Inc.

HR/Training & Development The Bleeding Edge & The Leading Edge: Using Innovation to Move Your Credit Union Ahead of the Curve Speaker: Jackson Hataway, PhD, associate consultant, Strategic Arts & Sciences

Lending Finding & Maximizing Loan Opportunities Speaker: Mike Bartoo, regional manager, MARQUIS

Marketing & Business Development Organic Marketing: Good Purpose, Good Will, & Good Ideas Speaker: Josh Allison, CUDE, relationship development manager, Horizon Credit Union

Operations, Sales, & Service Member Loyalty: Guaranteed. How to Out Smart, Out Market, Out Serve, Out Sell, & Flat Out Do What Your Competitors Can’t Speaker: Jeff Rendel, CSP, president, Rising Above Enterprises

Technology Creating Exceptional Member and Employee Experiences Through Seamless Data Integration Speaker: Brian Scott, vice president of sales, The Members Group (TMG)

Questions?