Offering Real Value To Our Members

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1 strength knowledge trust care listen strength knowledge trust care ten strength eal knowledge Interest trust care listen strength knowledge trust listen strength knowledge trust care listen strength knowledge tru SHAREPOINT CREDIT UNION NEWSLETTER SUMMER 2010 The CEO s Corner Today SharePoint offers more products and services than ever before, making it easy for members to do more of their banking with us. As our members shop they are frequently offered specials on credit cards, auto loans, investments and more. Sometimes you may find a deal out there, but more often than not, members find that the best deals are consistently here, at SharePoint Credit Union. In fact, during the last 2 weeks of May, over 50 members have chosen to move their existing auto loans from other financial institutions, to SharePoint. This generated over $500,000 in new loans for SharePoint, allowing us to pass on savings by offering a low rate and unique cash back offer, reflecting true value to our membership. Each member received a special rate as low as 4.29% APR* and a cash rebate of 1% on the amount financed. An example of a real value can be seen with a typical auto refinance: a $15,000 auto loan refinanced to SharePoint allowed the member to walk away with $150 in cash. This program is so successful we have extended it through August 31, The real estate market has remained active as low rates and a surplus of competitively priced homes have made it a buyer s market. Many members still don t realize SharePoint offers Home Mortgages. We are priced extremely competitively, without the hidden fees added on by many lenders. We also offer realty and title services, making the entire transaction seamless. Benefit with our realtor s 4.95% commission, compared to average realtor fees at 7% of the price of the sale. Credit cards are a hot topic in the media due to laws changing that impact consumers. SharePoint offers credit cards that the big banks simply can t compete with. Now more than ever, cardholders should compare our Visa cards to their current cards. Credit unions began during the great depression, as consumers rallied together for greater financial empowerment. Today we are faced with similar economic challenges; choosing to do more business with SharePoint is a smart way to position yourself for financial success. Our knowledgeable staff have been serving members since 1933, listening to their financial needs, providing easy personal solutions to meet their goals. We value your business; I invite you to give us the opportunity to help you save money and time by doing more with SharePoint. Sincerely, Offering Real Value To Our Members Phillip A. Kopischke President & CEO * APR = Annual Percentage Rate. See back panel for entire terms and conditions.

2 Real People. Easy Solutions. It Pays To Have Advantage Checking Lower Fees, Better Returns Are you noticing new fees and reduced services on your current checking account? SharePoint s Advantage Checking is a free checking account designed to meet your daily financial needs. This interest bearing account is designed with our members in mind; rewarding you with more ways to save, more convenience, and more access to your funds. Now is the time to make the switch; it pays to have SharePoint s Advantage Checking. Even though new rules coming in August by the Federal Government are causing many banks to restructure their fees and services, SharePoint has added two new free benefits to our Advantage Checking: alerts and Personal Identification Number (PIN) based debit transactions. alerts can also be set up through Internet Banking to notify you if your balance is low, a check clears, a paycheck is deposited and much more. A PIN based debit transaction will allow you to get cash back at participating merchants; instead of having to make another trip to an ATM. Advantage Checking Features: No minimum balance No monthly fee Interest bearing Free estatements Free alerts Free BillPay Free Visa Debit card Free nationwide ATM network PIN based debit transactions Free transfers from your other SharePoint accounts Free Internet/Phone banking Overdraft Line of Credit available Make the switch to Advantage Checking today: Call: (952) or (800) Click: Visit: St. Louis Park or West St. Paul Branch Locations Value Proposition- Advantage Checking Compare SharePoint s Advantage Checking to other local financial institutions Financial Institutions SharePoint Advantage Checking TCF Bank Convenience Checking Wells Fargo Free Checking Monthly Service Fee Monthly Interest APY* Minimum Balance None 0.15% None $25 $9.95/mo when restrictions not met None $500 $35 None None None $35 NSF Fee Per Item US Bank Free Checking None None None $ APY = Annual Percentage Yield. All institutions have free estatements, free billpay, free online banking, first box of checks are free, unlimited check writing, surcharge free ATMs at local and nationwide ATMs, free debit card unless otherwise stated. Rates and features based on comparisons from April 2010 and subject to change. Advantage Checking and Overdraft Line Of Credit require credit approval.

3 New Opt-in Rules for Overdrafts Important changes to your Advantage Checking account Overdraft Privilege (ODP) is an overdraft program that SharePoint currently offers to qualified members. With ODP, if you inadvertently overdraw your Checking account, we have the option to cover your overdrafts, including the $25 ODP fee, up to $500 for ATM cash withdrawals, checks, ACH transactions and when you use your Debit card for purchases at retail merchants. ODP is activated only after other overdraft protection options have been exhausted (Share Savings and Overdraft Line of Credit if available). You would then have 30 calendar days to bring your account current. SharePoint s ODP program has no fees associated with the set-up or maintenance of the program. SharePoint has been providing members this additional level of overdraft coverage for years; however, new regulations will require that you authorize us to continue offering ODP on your ATM and one-time debit card transactions. The new rules go into affect on July 1, 2010 for new members and August 15, 2010 for existing members. The Top 5 Reasons You ll Appreciate Overdraft Privilege 1. A deposit you expected was delayed. 2. Unforeseen expenses drained your account. 3. You made a mistake balancing your checkbook. 4. You can avoid the expense of a bounced check or declined debit card transaction. 5. Other than the normal NSF charges set forth in our fee schedule, there is no additional fee for this extra service. Action Required! Opt In by August 15, As a result of this government change, if you want Overdraft Privilege to continue to apply to your ATM and one-time debit card transactions action is required by August 15, You can opt in one of the following ways: Call: (952) or (800) Send: Send a secure message by logging in to Internet Banking and sending the message to the Customer Service Desk Complete: An Opt-In Form at and submit it one of the following ways: Fax: (952) Mail: P.O. Box 4280, Hopkins, MN Bring: St. Louis Park or West St. Paul Branch Locations *SharePoint may pay overdrafts within the Overdraft Privilege limits, but payment by SharePoint is a discretionary courtesy and not a right or obligation. New Member Benefit: Save With Sprint SharePoint is always looking for ways to save you time and money, which includes partnering with businesses to offer you exclusive saving opportunities. We are pleased to partner with Sprint to bring you these major wireless savings through the Sprint Credit Union Member Discount Plan. These special offers can be utilized by new and existing Sprint customers. Enjoy the perks, benefits and exclusive discounts that a SharePoint Credit Union membership affords. SharePoint members now save: 10% off most regularly priced Sprint individual service plans 15% off most regularly priced Sprint business service plans Waived activation fee on new activations Waived upgrade fee Here are 3 ways you can start saving today: Call 877.SAVE.4CU ( ) and let them know you re a SharePoint Credit Union member. Ask to be a part of the NACUC_ZZM to save Click Visit your nearest Sprint store today!

4 Are You Driven to Save? Vehicle loans at 4.29% APR* and get 1% cash back Now is a great time to finance or refinance a Vehicle loan at SharePoint! Get a rate as low as 4.29% APR plus walk away with a 1% cash back rebate at closing. Here is an example that illustrates an over $1,100 savings on a typical Vehicle loan refinance: Typical Financial Institution Call: (952) or (800) Visit: St. Louis Park or West St. Paul Branch Locations SharePoint Credit Union Loan Amount: $20,000 Loan Amount $20,000 Loan Rate: 5.99% APR Loan Rate 4.29% APR Min. Monthly Payment $ Min. Monthly Payment $ Interest Paid over 5 years $3,193 Interest Paid over 5 years $2,257 How You Will Save: Refinance Savings $936 Cash Back $200 Total Savings $1,136 We'll make it easy. Contact SharePoint today and walk away with cash. Just have a copy of your Title and last vehicle payment statement handy. Hurry! This offer ends August 31, (include name, phone and vehicle information) *APR=Annual Percentage Rate. 1% rebate will be deposited into your SharePoint Credit Union account. Your rate may vary and will be determined by your credit history. Offer subject to credit approval and may require income verification. Offer is not intended for refinancing of existing SharePoint Credit Union loans. Above rate is for terms up to 5 years- add.50% for terms over 5 years. Additional loan rates and terms are available. Rates and terms are subject to change. Cannot be combined with any other offer. Offer ends August 31, Coming Soon: New SharePoint Website Are you one of the many members who use our ebranch for your financial transactions? SharePoint s Internet Banking is an easy way to conveniently perform financial transactions anytime, anywhere. We are pleased to announce that we will be launching a newly designed website this summer to better serve you. You can expect seamless navigation, intuitive product information and easy applications. By redesigning our website we hope to offer you better access to your finances, saving you time and money. Please visit our website at to get a sneak peek at the upcoming new home page. We hope the new website offers real value to you, enhancing your banking experience with SharePoint and providing more solutions to your financial needs. Chance to Win an Apple ipad When You Sign Up For estatements! Make the switch to estatements between July 1 - August 31, 2010, and you will be entered in a drawing to win an Apple ipad-- Valued at $500! By opting to receive estatements, SharePoint saves money on printing and mailing paper statements. We pass the savings on to you with better rates and services. estatements are safe, convenient, and best of all free! Switching to estatements is easy when you use Internet Banking with SharePoint Credit Union. Here s How: 1. Log in to Internet Banking at 2. Click on the blue estatement button on the Account Summary screen. 3. Submit the enrollment form. You will receive your statement electronically. Questions? Contact a SharePoint Representative at (952) or (800) or visit ipad Giveaway Rules-- One entry per member number. No purchase necessary to enter. Void where prohibited. Must be 18 years of age or older to enter. Winner will be responsible for any related taxes or restrictions according to MN laws. Members must remain enrolled for estatements to win. Promotion starts 7/1/2010 and ends 8/31/2010. estatement enrollment form must be submitted before 11:59 pm on August 31st, Drawing will take place on September 1st, Members must submit a valid address and phone number. The winner will be contacted by phone. The winner will have until 11:59 pm on September 7th, 2010 to claim their prize or another winner will be announced.

5 Real People. Easy Solutions. Not sure where the market is headed? You choose with a SharePoint Home Equity Product Maneuvering through today s unpredictable financial market is difficult and sometimes results in consumers feeling like they aren t in control of their finances. SharePoint Credit Union is pleased to offer you two solutions, a Home Equity Line of Credit (HELOC) and a Home Equity loan, both easily giving you the resources to take control of the market, depending on your situation. Home Equity Line of Credit as low as 2.99% APR* until January 31, 2011 then Prime rate, currently 3.25% APR The SharePoint Home Equity Line of Credit is a useful solution for those who don t know how much money they ll need up front or simply want funds available in the case of an emergency. The competitive rate is variable, and monthly payments are based on the outstanding balance and current rate. Funds are available as needed, up to an approved amount. Benefits of SharePoint Home Equity Loans Include: Low, interest rates Tax advantages** Convenient access to funds Easy application process Personal, custom payment options Home Equity loan as low as 3.99% APR SharePoint Credit Union has a Home Equity loan just for you. If you know exactly how much you ll need to meet your goals and objectives, a Home Equity loan affords you a low, fixed rate and equal monthly payments based on a lump sum of money. Sample Home Equity Payment Chart $25,000 Loan Term Annual Percentage Rate Monthly Payment Variable-Rate HELOC * Fixed-Rate Home Equity* Up to 15 Years 5 Years 10 Years 15 Years 2.99% 3.25% 3.99% 4.99% 6.25% $ $ $ $ $ Follow the signs to saving with a SharePoint Home Equity loan. Hurry! Offer ends August 31, Call: (952) or (800) Click: Visit: St. Louis Park or West St. Paul Branch Locations * APR = Annual Percentage Rate. Sample payment chart reflects an 80% LTV Home Equity Loan and Line of Credit. Other loans are available up to 100% LTV. Additional loan rates and terms are available. Rates and terms are subject to change. See back panel for full disclosures. Offer ends 8/31/10. ** Contact your tax advisor about the deductibility of home loan interest. In Memoriam: Tom Vucicevic We extend our sincere gratitude to Tom Vucicevic, a dedicated Board member, who passed away on May 10, 2010 from his battle with cancer. His service and commitment on the SharePoint Board of Directors contributed to our success. Tom was the voice of the common man- always the champion for the little guy. A great asset to the Board, Tom s sense of fairness was always on the forefront as he ensured equal value and fairness for the SharePoint membership. A business owner of Harvey Winchell s, which is a SharePoint Partner Company, Tom understood the true value that a SharePoint membership affords. We appreciate Tom s support, insight and ideas, all of which contributed to the success of SharePoint. We truly appreciate his contributions and will miss him greatly.

6 P.O. Box 4280 Hopkins, MN IN THIS Issue The CEO s Corner SharePoint s Advantage Checking Opt-In Rules for Overdrafts New Sprint Member Benefits New SharePoint Website Auto Promotion In Memoriam- Tom Vucicevic Home Equity- You Choose Your chance to win an ipad! SharePoint is one of the top four safest places to bank- Mpls Business Journal & NCUA IMPORTANT Notifications Notable Dates: Fourth of July Have a safe, happy holiday! Closed on Labor Day Monday, September 6 Closed on Columbus Day Monday, October 11 Traveling? Make sure to contact us ahead of time to ensure easy access to your funds when you re away. Do we have your current address? Contact us at (952) or (800) to update your information and be the first to know of special promotions and news! SAVINGS Share Savings $5.00 and above.50% APY* Money Market Savings Up to $4, % APY $5,000 - $9, % APY $10,000 - $24, % APY $25,000 - $49, % APY $50, and over.90% APY Advantage Checking Check Out Our Rates!.15% APY Certificates of Deposit (CDs) 6 Month.70% APY 12 Month 1.05% APY 18 Month 1.30% APY 24 Month 1.60% APY 36 Month 1.90% APY 48 Month 2.40% APY 60 Month 2.70% APY *APY= Annual Percentage Yield. Minimum amount required to open a Certificate of Deposit is $500. Early Withdrawal Penalty... 1 year or less will equal 90 days of interest on the amount withdrawn subject to penalty, and over 1 year will equal 180 days of interest on the amount withdrawn subject to penalty. Money Market Account dividends are calculated on the average daily balance and paid monthly. Rates subject to change without notice. Rates effective 6/30/10. LOANS Home Equity Loan (80% LTV) 3.99% APR* Home Equity Line of Credit (80% LTV) 3.25% APR Vehicle Loans** 4.29% APR Recreational Loans** 5.75% APR Platinum Visa Credit Card^ 8.90% APR Classic Visa Credit Card^ 12.90% APR *APR = Annual Percentage Rate. Home Equity Line of Credit (HELOC) has a variable rate indexed to the Prime rate. HELOC APR will never exceed 21.75%, and will never exceed the highest allowable rate for this type of agreement as determined by applicable state or federal law. SharePoint Credit Union will pay for all closing costs, excluding the costs associated with mortgage registration tax and appraisal. Average mortgage registration tax is between $10 and $500. The average appraisal cost is between $150 - $400, but actual costs may vary by appraisal company and will be the responsibility of the member. Home equity loans may only be written for homes in MN and WI. Loan rates apply to new loans and are not intended for refinancing of existing SharePoint Credit Union loans. Home equity loans that are paid off within the first year will be charged an early payoff penalty. Additional loan rates and terms are available. Rates and terms are effective 6/30/10 and subject to change. ** Your rate may vary from the above rates and will be determined by your credit history. Above rates for terms up to 5 years- add 1% for terms over 5 years. Rates and terms are effective 6/30/10 and subject to change. ^Subject to credit approval and may require income verification. Applicants who do not qualify for the Platinum Visa will be automatically considered for the Classic Visa. Visa Cash Advance Fee: 1% of the transaction amount, Late Payment Fee: $29, Returned Payment Fee: $20, Copy of Charge Slip: $2. Rates and terms are effective 6/30/10 and are subject to change.

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