Value Proposition- Vehicle Loans

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 FALL 2010 The CEO s Corner SharePoint Offers Choice & Convenience Today s consumers have many choices as to where they do their banking. Technology has advanced significantly and allowed the consumer to choose how, when and where they access their money and financial institution. SharePoint strives to be convenient, offering our members choices and value to make banking with us easy. SharePoint has saved our members money by offering free, easy ways to access their money without ever leaving the comfort of home or a computer. We pass savings to our members in the form of lower loan rates and higher dividend yields, as well as increased financial services and personal service; providing the ultimate banking experience. SharePoint introduced our new online branch at on Tuesday, August 3 to enhance online access to our members finances. The new site offers easy, seamless navigation. It showcases SharePoint staff, the real people who are here to serve you. The site offers easy access to all of our products and services 24 hours a day. We continue to enhance the functionality of our online Home Banking, and recently added features that allow you to receive E-Mail notifications for low balances, deposits and check clearing. Today, SharePoint members can perform all of their financial transactions within our online branch. Calling SharePoint is equally convenient, with real people answering the phone and providing convenient solutions. While many businesses force you to go through recordings and prompts, SharePoint Representatives assist you by phone, checking balances, answering questions or adding additional products and services. Call us anytime at (952) 930-0700 or (800) 752-3494. Easy access to your finances is imperative. You can access your funds with the SharePoint Visa debit card at no cost, within our ATM network and Instant Cash. We offer ATM locations across the county and in your neighborhood. You can also request cash back at many retail locations where you see the STAR Network by choosing the debit option during your purchase, with cash limits based on the merchant. It is our goal to offer you true convenience by providing you with easy access to your funds and a variety of choices that fit your personal situation. I invite you to compare us with your other financial resources and find the many ways we could be saving you time and money, and receive the personal service that you deserve. Sincerely, Phillip A. Kopischke President & CEO

Real People. Easy Solutions. SharePoint Auto Sale $500 Trade In Bonus Plus Test Drive for a Chance to Win At SharePoint, we strive to offer you the best value and convenience for all of your financial needs, partnering with businesses that enhance and compliment the financial services we offer, such as Vehicle loans. SharePoint is excited to announce a partnership with MN DealerDirect, offering access to an exciting auto-buying opportunity at partner dealerships throughout the Twin Cities, including many that are right in your neighborhood. Through MN DealerDirect you will receive the lowest price on new and used vehicles simply by stating that you belong to SharePoint. To kick off our new partnership with MN DealerDirect, we are having an auto sale during the entire month of October! Benefit From: A special low rate as low as 4.29% APR* and 1% cash back at closing. Test drive a vehicle and be entered into a drawing for exciting prizes. Receive a $500 bonus for your trade in. Ability to process your loan directly at the dealership. Take advantage of these special savings now through October 30, 2010. TAKE A TEST DRIVE FOR A CHANCE TO WIN! (952) 930-0700 or (800) 752-3494 auto@sharepointcu.com 1st Prize: $1,000 Visa Gift Card St. Louis Park or West St. Paul Branch Locations *APR = Annual Percentage Rate. 1% rebate will be deposited into your SharePoint account. $500 trade in bonus will be applied directly to your new loan. 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 loans. Additional loan rates and terms are available. Rates and terms are subject to change. Cannot be combined with any other offer. An example of a 5 year fixed-rate monthly payment at 4.29% would be 60 monthly payments of $18.56 per $1,000 borrowed. Offer ends 10/30/10. **Test Drive Drawing Rules: Must test drive a vehicle at a MN DealerDirect dealership. 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. Promotion starts 10/1/10 and ends 10/30/10. Test drive must be completed by 10/30/10. 2nd Prize: 42 Flat Screen TV 3rd Prize: $250 Gas Card Value Proposition- Vehicle Loans Compare SharePoint s Vehicle Loans to Other Local Financial Institutions How much could you be saving by refinancing a current vehicle loan from another financial institution to SharePoint? This example illustrates an over $1,100 savings on a typical Vehicle loan refinance. Other Financial Institution SharePoint Credit Union Loan Amount $20,000 Loan Amount $20,000 Loan Rate 5.99% APR Loan Rate 4.29% APR Min. Monthly Pymnt $386.56 Min. Monthly Pymnt $370.95 Interest Paid over 5 yrs $3,193 Interest Paid over 5 yrs $2,257 How You Will Save With SharePoint: Refinance Savings $936 Cash Back $200 Total Savings $1,136 *APR = Annual Percentage Rate. Payment sample is for comparison use only. Rates may vary based on credit history.

Member Appreciation Days October 21-23, 2010 Members are invited to attend SharePoint s 2010 Member Appreciation Days, Thursday, October 21 through Saturday, October 23. Please join us at our branch locations in St. Louis Park and West St. Paul to celebrate you, our members. Stop by, meet with staff and enjoy popcorn, cookies, apple cider and coffee. While you are enjoying your snacks, take advantage of these special events taking place: Drawing for Great Prizes During Member Appreciation Days come in and be entered into a drawing for: 1st Prize: Penn Cycle Trek Lime Bicycle ($500 value) 2nd Prize: Kindle Wi-Fi Reader 3rd Prize: ipod Shuffle Pumpkin Carving Contest Pick up a free pumpkin** during Member Appreciation Days and send in, E-Mail or drop off pictures of your carved pumpkins by October 30th for a chance to win a $50 Visa Gift Card. If you can t make it in to pick up a pumpkin, you can still enter. Just send in a picture of your carved pumpkin and you ll be entered to win! Include your Name, Member Number and Phone Number with your picture and send them to: Mailing Address: P.O. Box 4280, Attn: Marketing, Hopkins, MN 55343 E-Mail: info@sharepointcu.com (picture attachments must be reduced to 80KB or smaller) Shred Day Do you have old statements or other confidential documents sitting around you need to have shredded? Join us for Shred Day! Bring in everything^^ you d like to have shredded on Friday, October 22 from 9am - 1pm at the St. Louis Park branch. This is a great opportunity to get rid of your unwanted paperwork. Sign up for estatements while you are there and get rid of this unwanted paper for good! Visit for more information on this exciting event. * Giveaway Rules: No purchase necessary to win. Void where prohibited by law. No cash value. Contest starts 10/21/10 and ends 10/23/10. A winner will be chosen on 10/25/10. Winner will have until 11/1/10 to claim their prize or another winner will be chosen. Winner responsible for picking up their prize from the branch. ** Limit one pumpkin per member. Pumpkin Carving Contest Rules: No purchase necessary to win. One entry per member. Void where prohibited by law. Contest starts 10/21/10 and ends 10/30/10. Pictures dropped off at branch locations must include name, member number and phone number. A winner will be chosen at random on 11/5/10. If the winner does not claim their prize by 11/12/10 a new winner will be chosen. Winning picture and member s name may be featured on the SharePoint website. ^^Shred Day Restrictions: Only 2 grocery bags allowed per member Chance to Win a 2 Night Weekend Package at Cragun s Resort on Gull Lake You could win a 2 night getaway at Cragun s Resort on Gull Lake just for referring new members or opening new products. When you refer new members to SharePoint or open a new product by October 30, 2010 your name will be entered into a drawing for a 2 night weekend package at Cragun s Resort. You can earn additional entries into the drawing by expanding your relationship with products like an Advantage Checking account or SharePoint Visa credit card. Each loan or deposit product you open qualifies you for additional entries into the SharePoint Cragun s giveaway! Contact us today to find out how you can be entered to win! (952) 930-0700 or (800) 752-3494 * 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. Promotion ends 10/30/2010. Drawing will take place on 11/1/10. The winner will be contacted by phone. The winner will have until 11:59 pm on 11/5/10 to claim their prize or another winner will be announced.

Introducing the New Real People. Easy Solutions. Are you one of the many members who use our e-branch for your financial transactions? SharePoint s Internet Banking is an easy way to conveniently perform financial transactions anytime, anywhere. We are pleased to introduce a newly designed website which reinforces our commitment to Real People, Easy Solutions. The new site offers seamless navigation and intuitive product information featuring pictures of real SharePoint employees. Our redesigned website offers you better access to your finances, saving you time and money. Visit the new website at. We hope it will offer real value to you, enhancing your banking experience with SharePoint and providing more solutions to your financial needs. SharePoint Reserve Line Easy and No Annual Fees Get more from your Advantage Checking account with a Reserve Line of Credit from SharePoint. A Reserve Line of Credit is a preauthorized credit limit assigned to your Advantage Checking that gives you financial freedom and the security of overdraft protection. Reserve Line of Credit can help prevent overdraft fees and checks being returned Non-Sufficient Funds. Benefit from: Reserve Lines from $100 - $5,000, depending on your credit qualifications. Automatic payments from your Advantage Checking account on the 10th of every month. Cash options: You can write yourself a loan from your checking account to pay bills or make purchases. Use it again and again without reapplying. SharePoint offers the best checking account in the market; easy, flexible and convenient. Add the Reserve Line of Credit to your Advantage Checking account today by phone at (800) 752-3494 or apply online at. Online BillPay Is Free and Easy Does today s busy lifestyle leave you without time to do the things you want to do? You can save time and money by eliminating the hassles of writing checks with SharePoint s free BillPay! Benefits of using BillPay Easy: Pay online from your Advantage Checking Free: Save money on postage Convenient: Control how and when you pay your bills Choice: Set up one time or recurring payments, as well as in advance Flexible: Pay just one bill or several bills at once Seamless: Easy to set up, edit or delete payees Intuitive: Receive an E-Mail reminder for payments made in advance Secure: View history of bills paid How BillPay Works If you already have an Advantage Checking account, simply login to Internet Banking, click on the BillPay link and complete the enrollment form. Once you receive a confirmation E-Mail that your BillPay service is active, you can begin entering payees and scheduling payments. It s that easy. Don t have an Advantage Checking account? Apply for one today! (952) 930-0700 or (800) 752-3494 Branch Locations

Real People. Easy Solutions. Take Your Home s Equity In Your Hands 3.99% APR* Home Equity Loan & $100 at closing Are you looking for financing at a low rate? A SharePoint Home Equity loan may be your perfect solution. Home equity loans greatly benefit you by providing much needed money for things like home improvements, school fees and medical expenses just to name a few. Now through November 30, 2010, you will benefit from a SharePoint Home Equity loan as low as 3.99% APR plus $100 at closing. A SharePoint Home Equity loan offers great rates, flexible terms and convenient access to the funds you need to accomplish your goals and dreams. Sample Home Equity Payment Chart $25,000 Loan Term Annual Percentage Rate Monthly Payment Home Equity Loan (Fixed-Rate 80% LTV) Home Equity Loan (Fixed- Rate 100% LTV) 5 Years 10 Years 15 Years 3.99% 4.99% 5.99% $460.30 $265.04 $210.83 10 Years 9.00% $316.69 Contact our Financial Service Representatives today for your Home Equity solution. Hurry! This offer ends November 30, 2010! (952) 930-0700 or (800) 752-3494 loans@sharepointcu.com Branch Locations * APR = Annual Percentage Rate. Additional Home Equity products, loan rates and terms are available. Rates and terms are subject to change. All loans subject to credit approval and may require income verification. Your rate may vary and will be based on credit history. For additional terms and conditions, please refer to the full rate disclosures on the back. Cannot be combined with any other offers. Offer ends 11/30/10. Win a Trip to Super Bowl XLV with SharePoint Visa Dream of going to the Super Bowl? Now, every time you make a purchase with the SharePoint Visa credit card, you could win a trip to Super Bowl XLV! The more purchases you make with your SharePoint Visa, the more entries you get for a chance to win. One Grand prize winner will receive a prize package courtesy of Visa: 2 Tickets to Super Bowl XLV in North Texas Round-trip airfare for 2 Hotel accomodations for 4 nights And much more! You will automatically be entered for a chance to win every time you sign for a purchase with your SharePoint Visa credit card from September 1 - November 30, 2010. For complete details, visit /specials.asp Don t have a SharePoint Visa? Contact us today! (952) 930-0700 or (800) 752-3494

P.O. Box 4280 Hopkins, MN 55343 IN THIS Issue The CEO s Corner MN DealerDirect Partnership Member Appreciation Days Cragun s Weekend Giveaway New SharePoint Website Online BillPay: Free & Easy SharePoint Reserve Line Home Equity Loans at SharePoint Win a Trip to Super Bowl XLV SharePoint is one of the top four safest places to bank- Mpls Business Journal & NCUA IMPORTANT Notifications Notable Dates: Member Appreciation Days October 21-23 Closed on Veteran s Day Thursday, November 11 Closed on Thanksgiving Thursday, November 25 Closing at 1:00pm on Christmas Eve Friday, December 24 Closed on Christmas Day Saturday, December 25 Closed on New Year s Day Saturday, January 1 Do we have your current E-Mail address? Contact us at (952) 930-0700 or (800) 752-3494 to update your information and be the first to know of special promotions and news! SAVINGS Share Savings $5.00 and above Money Market Up to $4,999.99 $5,000 - $9,999.99 $10,000 - $24,999.99 $25,000 - $49,999.99 $50,000.00 and over Advantage Checking Certificates of Deposit (CDs) 6 Month.60% APY 12 Month.90% APY 18 Month 1.00% APY 24 Month 1.30% APY 36 Month 1.60% APY 48 Month 2.00% APY 60 Month 2.30% 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 10/1/10. Check Out Our Rates! LOANS.40% APY* 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 5.50% APR.40% APY Platinum Visa Credit Card^^ 8.90% APR.40% APY Classic Visa Credit Card^^ 12.90% APR.50% APY Holiday Dollars 8.90% APR.70% APY **APR = Annual Percentage Rate. Subject to credit approval and may require.80% APY income verification. Your rate may vary from the above rates and will be determined by your credit history. Home Equity Line of Credit (HELOC) has a variable rate indexed to the Prime rate. HELOC APR will never exceed.15% APY 21.75%, and will never exceed the highest allowable rate for this type of agreement as determined by applicable state or federal law. SharePoint 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 10/1/10 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: $25, Returned Payment Fee: $20, Copy of Charge Slip: $2. Rates and terms are effective 10/1/10 and are subject to change.