LSCU Update

1. LSCU Update Chapter Leaders’ Retreat April 19, 2012

2. 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

3. 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

4. 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

5. 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-Action-Center/MBL-Legislation-Resources

6. 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-Operational-Support/Post-Examination-Feedback-Survey

7. 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-year-old piano sensation Ethan Bortnick performing • Go to www.lscuconvention.com to learn more and to register

8. 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

9. 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

10. Cooperative Initiatives Update

11. 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

12. 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

13. 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

14. Birmingham Chapter Affiliates Affiliates Jefferson CU Legacy Community FCU Marvel City FCU Milestone CU Mutual Savings CU New Pilgrim FCU NRS Community Development FCU Secure First CU • ACIPCO FCU • Alabama Central CU • Alabama Telco CU • America’s First FCU • APCO Employees CU • eCo CU • Energen CU • Federal Employees CU • Health CU

15. 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)

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

17. Cheaha Chapter Affiliates Affiliates N.E.A.R.M.C. Employees FCU Northeast Alabama Postal FCU NUCOR Employees FCU • Alabama Teachers CU • Brassies CU • Chem Family CU • Community CU • Coosa Pines FCU • Family Savings FCU • Fort McClellan CU • Heritage South CU

18. Cheaha Chapter Non-Affiliates • AOD FCU • Sycamore FCU

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

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

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

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

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

24. Muscle Shoals Chapter Affiliates Non-Affiliates Electrical Workers No. 588 FCU • Champion Community CU • Florence FCU • Lauderdale County Teachers CU • Listerhill CU • Railway Employees CU • Tuscumbia FCU • TVA CU • Valley CU

25. Northeast Alabama Chapter Affiliates Non-Affiliates North Alabama Papermakers FCU Postal Employees CU • Councill FCU • Family Security CU • North Alabama Educators CU • Redstone FCU • Rocket City FCU • Stevenson FCU • Wolverine CU

26. Tuscaloosa Chapter Affiliates Non-Affiliates Alabama One CU • Alabama CU • City CU • DCH CU • FOGCE FCU • Tuscaloosa CU • Tuscaloosa County CU • Tuscaloosa Teachers CU • Tuscaloosa VA FCU

27. Wiregrass Chapter—100% Affiliation! Affiliates Affiliates Wiregrass FCU • Andalusia Mills Employees CU • Army Aviation Center FCU • Covington Schools FCU • Five Star CU • IAM Community FCU • Opp-Micolas CU • Pike Teachers CU

28. Broward Chapter Affiliates Affiliates Priority One Credit Union of Florida Sun CU Tropical Financial CU • BrightStar CU • Broward HealthCare FCU • City County CU • Florida Transportation CU • Memorial Employees FCU • Peoples FCU • Pompano Beach City Employees CU

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

30. Central Florida Chapter Affiliates Affiliates Insight CU Local 606 Electrical Workers FCU Martin FCU McCoy FCU Orlando FCU Seminole Schools FCU Space Coast CU • 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

31. Central Florida Chapter Affiliates Non-Affiliates Community Trust FCU Kennedy Space Center FCU Magnify CU MIDFLORIDA CU Publix Employees FCU • Partners FCU (associate) • State Farm FCU (associate)

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

33. North Central Chapter Affiliates Non-Affiliates First Coast Community CU Ocala Community CU • 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

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

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

36. Northwest Florida Chapter Affiliates Non-Affiliates Baptist Regional Medical FCU ECCO CU Eglin FCU Gulf Winds FCU Harvesters FCU Pensacola FCU Pensacola Government FCU • Central CU of Florida • Florida State Employees FCU • GPCE CU • Members First CU of Florida • Okaloosa County Teachers FCU • Pen Air FCU

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

38. Palm Beach Chapter Affiliates Non-Affiliates First Choice CU South Atlantic FCU Town of Palm Beach FCU • Gold Coast FCU • IBM Southeast Employees FCU • Indian River FCU • PBC CU • Velocity Community FCU

39. Pinellas Chapter—100% Affiliation! Affiliates • Achieva CU • Bay Pines FCU • City County Employees CU • ECU CU • Pinellas FCU • West Coast FCU

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

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

42. Southernmost Chapter Affiliates Non-Affiliates 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 • American Airlines CU (associate)

43. Tallahassee Chapter—100% Affiliation! Affiliates Affiliates Florida State University FCU FOCUS CU Jefferson County Teachers CU SCORE FCU Tallahassee FCU Tallahassee-Leon FCU TMH FCU • 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

44. Tampa Chapter Affiliates Affiliates Service 1st CU Suncoast Schools FCU SWC CU Tampa Bay FCU Tampa Postal FCU USF FCU American Eagle CU (associate) • Florida Central CU • Florida Customs FCU • Florida West Coast CU • Grow Financial FCU • GTE FCU • PowerNet FCU • Railroad & Industrial FCU • San Antonio Citizens FCU

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

46. 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%

47. 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?

48. 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

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

50. LSCU Image Campaign April 19, 2012