62 ANNUAL MEETING ANNOUNCEMENT GO PAPERLESS WITH FREE E-STATEMENTS MAKE THE SWITCH!

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1 WINTER ANNUAL MEETING ANNOUNCEMENT Monday, April 22, 2019 Hyatt Regency Hotel by MOA 3200 East 81st Street, Bloomington, MN :30 p.m. - Registration /Flags for Fort Snelling Silent Auction Begins 6:30 p.m. - Plated Dinner Served 7:00 p.m. - Speaker - Ben Leber (Win from Within) 7:30 p.m. - Business Meeting/Elections Seating Available for Members Only Attending Business Meeting 8:00 p.m. - Scholarship Winners Recognize & Silent Auction Closes 8:15 p.m. - Adjournment Dinner Tickets $10 Each. Tickets On Sale at All Branches Beginning Tuesday, January 22nd. Dinner Seating Limited Special Guest Speaker Ben Leber GO PAPERLESS WITH FREE E-STATEMENTS It s time to make the switch to added convenience and security. Trade the paper trail that identity thieves love so much, and instead opt for easy estatements. It s hard to go wrong with estatements you do your part to reduce paper waste while helping yourself stay more secure. Access your account statements online through Online Banking, 24/7. You can view them, save them, even print an electronic version for reference. Save time, save money, and save the planet by going paperless today! MAKE THE SWITCH! Reduce paper waste and help the environment Fast, free, and easy alternative to paper statements Receive notice when new e-statement is ready Available online 24/7 through Online banking Reduce chance of fraud and identity theft Arrive faster than paper statements Simplify record keeping and eliminate storage hassles Easily view, search, save, download, and print online start enjoying the free convenience and security of the RBCU Online Banking experience!

2 President smessage NEW YEAR S RESOLUTION S AT RBCU Many of us have made resolutions as we entered the new year to get in shape, lose weight or at least exercise a little more frequently! Hope everyone is well on their way to achieving their 2019 resolutions, but it did remind me RBCU has some resolutions in the new year as well. As you may recall, RBCU sent out a member survey in the fall. The company who administered the survey and reported the results commented on how incredibly loyal the RBCU membership base is. But in addition to many positive comments, there were some areas of concern that will serve as the basis for RBCU s 2019 resolutions: Greg Worthen Jim Habeck (Chair) Tom Rublein (Vice-Chair) Cori Thompson (Secretary) Teresa Kruse (Treasurer) Jim McDonald Paul Cullen Lynne Scherer Jason Barnes David Kriesel-Koll offering a full schedule of free seminars in 2019 as part of this commitment. Improve member experience, through staff training, hours of operation and asking the right questions. I expect members to be greeted and served in a polite, friendly and respectful manner. Increased engagement by encouraging members to run for the Board of Directors, attend the Annual Meeting to learn more about RBCU, volunteer with us for Flags for Fort Snelling, or reach out to the management team when they have comments or questions. Keeping up with technology. We hope we addressed that by adding a mobile app that features mobile check deposit to allow members to access their account 24/7/365. RBCU would like to thank the nearly 1,000 members who completed the survey. It will serve as a valuable benchmark I will be using to measure our progress toward exceeded our 2019 resolutions in 2020 and beyond. On behalf of all RBCU staff, thank you for being an RBCU member! Sincerely, Greg Worthen Richard Schugel (Chair) Joe Meuwissen Robert Pike 2019 RBCU SCHOLARSHIPS NOW AVAILABLEABLE post-secondary degrees. Eligibility Requirements Include: Primary membership at RBCU prior to applying for scholarship Persons who live, work, worship, attend school or volunteer in Hennepin, Dakota or Scott counties are eligible for primary membership at RBCU. Other requirements may apply Maintain primary RBCU membership through award period Must be a member in good standing to be considered and to receive award Must complete application and submit to RBCU by 12 p.m. on Saturday, March 2, 2019 Previous RBCU Scholarship Award Winners and RBCU employees are not eligible to apply Please remember, only RBCU members are eligible. Application packets are available on our website at rbcu.org. The deadline for RBCU Scholarship applications is Saturday, March 2nd, 2019.

3 RBCUNews&Notes CALL FOR CANDIDATES - BECOME A BOARD MEMBER AT RBCU RBCU is seeking candidates interested in being considered to serve on the 2019 Board of Directors. This is a fundamental time for both the organization and the industry. After an expansive 2018, the credit union is poised for continued development and growth over the next several years. This incoming set of Board members will serve to ensure that RBCU takes the proper steps to realize this potential. We are seeking dynamic candidates that can provide the organization with strategic guidance and commit the time and energy necessary to ensure strategies are executed. Candidate Requirements: A member in good standing at RBCU for a minimum of one (1) year At least 18 years of age Must be able to pass a background check (credit and criminal) Must be bondable If you have any questions, please contact the nominating committee by calling , or at nominating@rbcu.org. RB INVESTMENT & RETIREMENT SERVICES AT RBCU free with no obligations! RB Investment & Retirement Services provides personalized investment, retirement and wealth management solutions to individuals and businesses. Specializing in the areas of: Wealth Accumulation Business Succession Planning Wealth Distribution Wealth Transfer Strategies phone number, address, branch location you would prefer to meet, and best way to contact you. To keep up with the latest RBCU news and updates, visit rbcu.org.

4 RBCUPromotions DEPOSIT CHECKS USING YOUR PHONE! MOBILE CHECK DEPOSIT FOREVER RATE BALANCE TRANSFER FEBRUARY 1st - APRIL 30th Beginning February 1st, members will be able to take advantage of our Forever Rate Balance Transfer promotion. 5.9%APR* Forever Rate. Transfer your high interest credit card balances to an RBCU VISA Platinum or Classic Rewards Card. EASY BALANCE TRANSFER Simplify your life. Your transfered balance remains at 5.9%APR until your balance is paid off! A $500 minimum is required to do Balance Transfer and no other RBCU Loan can be paid off with Balance Transfer promotion. $500 Minimum balance transfer required. No other RBCU loan can be paid o with balance transfer promotion. O er ends 4/30/19. Credit quali cations apply. Subject to Change. 1.99% introductory APR for 6 months on all purchases and balance transfers (new cardholder s only). After the 6-month introductory period, the following standard rates will apply: Purchases 9.9% APR (Platinum) 12.99% APR (Classic). Balance Transfers performed during the promotional period February 1, April 30, 2019 will remain at 5.9% APR* for the life of the balance. Application of Payments: Generally, we will apply your minimum payment rst to lower APR balances before balances with higher APRs. Payments made in excess of the minimum payment will generally be applied to balances with higher APRs rst before balances with lower ones. *APR = Annual Percentage Rate. DOWNLOAD OUR MOBILE APP Access your account anytime, anywhere! With RBCU s Mobile Banking App, you can easily navigate through menu options to transfer funds, view account balances, access account history and locate ATMs and branch locations. The Mobile Banking App also offers the convenience of Mobile Check Deposit, with the ability to deposit checks using the camera on a smartphone to take a picture of the front and back of a check. REACH YOUR POINTENTIAL WITH AN RBCU VISA REWARDS CREDIT CARD Get rewarded for everyday spending using your RBCU VISA Rewards Credit Card. You earn bonus points for every purchase you make with your RBCU Rewards credit card, which you can redeem for great awards. To see what s available to you, create an account at ScoreCardRewards.com. Then log in to see the collection of items you can get with your points. Merchandise get electronics, home goods, personal items, and more from the best brands like Apple, Michael Kors, Samsung, Bose, Black & Decker, Pandora, Nike, Ray-ban, Keurig, Weber, and more. 2 Travel get travel accommodations such as hotel stays at top properties, airfare, car rentals, cruises, etc. Anywhere you want to go, you can use your bonus points to get there. Daily Wins using just a few points you could get a fabulous prize when you visit Daily Wins. Entries start at just 3 points and you could win electronics, gift cards, home goods and much more. New items are added every day! Fuel Discount Award use your bonus points to save on all your fuel purchases by using your card at the pump at a participating BP station. You ll save $0.50 per gallon on your fuel purchase of up to 20 gallons. Your regular rate is based on your credit worthiness. Credit qual cations apply. Rates subject to change. 1APR = Annual Percentage Rate. RBCU VISA BONUS POINTS are earned by purchase transactions. Visit rbcu.org for complete details. Available For: Federally Insured by NCUA *All o ers subject to change.

5 Community&EVENTS RBCU WINS TWO MARKETING AWARDS RBCU was the proud recipient of two awards presented by the Minnesota Credit Union Network in project, and the second was awarded for Printed Material for our 2017 Annual Report. The 47 applications were evaluated by volunteer judges Paragon Social LLC Founder Ava Beilke; DAYTA Marketing digital strategist and consultant Erin Perry Borron; and Louisiana FCU s chief administrative officer and CUNA Marketing & Business Development Council Chair Mia Perez. RBCU s winning submissions will be included in a presentation during the MNCUN Annual Meeting banquet and will be invited to share our work during an interactive panel discussion on credit union marketing best practices during the Minnesota Credit Union Network Annual Meeting being held April 25 through 26 at the Radisson Blu Mall of America in Bloomington. HOLIDAY FOR HEROES RBCU employees were proud to volunteer at the Holiday for Heroes event at the Mall of America this year. The private event allowed Minnesota military families to celebrate the holiday season with their families and each other at Nickelodeon Universe. It was a fun, yet humbling day! Thank you for all who have served! RBCU VISITS OAK GROVE MIDDLE SCHOOL Last December RBCU was able to help out at both the 6th and 7th grade parties at Oak Grove Middle School in Bloomington. We brought our spin art machines and our booth was a hit! A special thank you to our RBCU volunteers Malachi, Chelsea, Candy, Yesi and Selene.

6 RBCUCalendar FOLLOW US SAVE THE DATE - RBCU SHRED DAY On Saturday, April 20th, RBCU will hold a Document Shredding Day at the VEAP building, located behind our Lyndale Branch. to be shredded by the Shred-N-Go shredding truck. To participate, members must make a non-perishable food donation or cash donation to the VEAP representative on site. The event runs from 9:00 am to noon. Last year, RBCU safely disposed and recycled over 7,000 lbs of private documents for its members while raising 658 pounds of nonperishable food and $ in cash donations to VEAP, our neighbor and Minnesota s largest food shelf. Please note: The event will not start until 9:00 am and go until noon or when the Shred Truck is full. All members participating in this event will be routed by 2019 Holiday Hours RBCU Branches Closed Martin Luther King Day - Monday, January 21 President s Day - Monday, February 18 FEE SCHEDULE UPDATE RBCU will be updating its Fee Schedule on March 1, 2019 we re sharing the details with you so you can be fully aware when the new schedule takes effect. The following fee changes will be effective March 1st, 2019: Closing account (Before 90 days of account opening) - $20.00 Statement copy fee - $2.00 Return mail fee - $10.00 Cashier s Check - 1 free per month Annual Meeting Announcement E-Statements - Go Paperless President s Message 2019 RBCU Scholarship Become an RBCU Board Member RB Investment & Retirement Services RBCU Promotions Community & Events Save the Date - Shred Day Fee Schedule Update RBCU Calendar & Holidays