Enjoy our great state with a great checking account.

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1 Common Interest Summer 2016 msgcu.org Enjoy our great state with a great checking account. MSGCU wants to help you make the most of your summer. For a limited time, current and new members without regular checking accounts will have the opportunity to earn $100. Be sure to tell your friends! * Eligibility: Available for regular checking accounts opened between 7/1/2016 and 9/30/2016; limited to one incentive per member. The $100 incentive will be paid when the member completes all of the following: qualify for and open a regular checking account and ATM/debit card; within 7 days of opening, make an initial deposit of $100 or more in the account; within 60 days, enroll in and receive one direct deposit (minimum of $100) to the new checking account, sign up for estatements and Online Banking, and use the account s issued debit card for 20 purchases. Members must not currently have a regular checking account or have closed a regular checking account 6/1/2016 or later. Account must remain open for 6 months. Federally insured by NCUA. No purchase necessary. For complete rules and details for an alternate form of entry, visit a branch or visit msgcu.org/sweepstakes.

2 Letter from the President/CEO At MSGCU, when we commit to being your partner in financial success, we truly mean it. Our focus goes far beyond savings accounts and loans. More attractive interest rates, employees who are dedicated and well-versed in customized solutions, and unique programs are a few of the ways we work to support you as you take steps toward greater financial success. This issue of Common Interest provides examples of how we demonstrate our commitment, as well as some great news for you. From higher savings account interest rates and a very attractive 24-month CD to highlights of our member programs, we are always focused on your financial wellbeing. We recognize that you, along with other MSGCU members, serve many roles that are important to our communities. Parents. Entrepreneurs. Grandparents. Coaches. Students. Leaders. Educators. You are valued for those contributions and for being a member and co-owner of MSGCU. We genuinely thank you for allowing us to serve you. Sincerely, Peter D. Gates President/CEO THREE NEW LOOKS, FOR THREE GREAT CARDS New MSGCU Visa Debit Cards Coming Soon In the coming months, members will begin receiving replacement Visa Debit Cards with a new design and built-in EMV chip technology. Visa Debit Card Your new debit card can be used at MSGCU and other ATMs; just follow the on-screen prompts for instructions on how to use your card. Note: We will soon be upgrading our ATMs as well. Watch for more details. Visa Titanium Credit Card MSGCU Visa Credit Cards were redesigned and upgraded to EMV technology late last year. Don t have one? Contact us today at Visa Classic Credit Card Learn more about chip card security and how to use it by visiting msgcu.org/visachipcard.

3 AT MSGCU, REWARDS COME IN MANY FORMS! Helping others and giving back to our members and communities is at the core of our mission. From scholarships to workshops to classroom grants, we are committed to supporting educational efforts. We are also excited to extend our products and services to new communities for our members' convenience. HELP. TO COLLEGE WITH MSGCU'S 25 STUDENTS ARE HEADING ANCES... D MORE ABOUT FIN NE AR LE TS OU SC 60 GIRL G IT! AND HAD FUN DOIN

4 AT MSGCU, REWARDS COME IN MANY FORMS! OFFICE WE CELEBRATED OUR NEW EIGHT MILE & FARMINGTON AND GAVE A GRILL TO A HAPPY LIVONIA RESIDENT. STUDENTS RECEIVED REAL-WORLD PRESENTATION EXPERIENCE AT OUR HIGH SCHOOL MARKETING CONTEST. CLASSROOM CASH Educators: Thinking about classroom projects for the upcoming school year? MSGCU can help you bring those ideas to life. Last year, we awarded more than $45,000 in grants to 61 local teachers. This year, it could be you! Watch for more information at msgcu.org or classroomcash.org.

5 Savings and CD Rates Are Looking Up We make mortgages easy. Is your mortgage term longer than you would like? We can help! With rates so low, it might be time to refinance your mortgage and shorten your term. MSGCU offers a number of options, including 10-year and 15-year fixed-rate loans. You may be surprised at how easy it is to move to a shorter term and how much money you can save, too. Visit msgcu.org/mortgage or talk to a Mortgage Expert at Thinking about buying a new home? Join us at our Homebuyer s Workshop on August 17 and we will give you a coupon for a free home appraisal, worth up to $350! Register at msgcu.org/workshops. Now, you can enjoy even greater returns on your money, thanks to our increased interest rates. For example, a $40,000 balance in a Silver Savings Account now earns.40% APY; $90,000 in a Gold Savings Account earns.55% APY. Think of it as a thank you for being a valued member of the MSGCU family % APY * 24-MONTH CD EARN MORE! With just $500, start to enjoy great returns on your money. *APY=Annual Percentage Yield. Minimum investment is required to open an account and to earn the advertised APY. All rates and APYs are accurate as of July 1, 2016 and subject to change at any time. A penalty will be imposed for early withdrawal from Certi ficates of Deposit. For current rates, please call or visit msgcu.org. HELPING THOSE WHO HELP US There are many who risk their lives on a daily basis to protect our communities: our first responders. Our firefighters, police officers, military personnel, and medical responders do so much to support us, and we are proud to offer programs to help them as well. If you work or volunteer as a first responder in the police, fire, military, or medical fields, MSGCU s 0% APR** First Responder Loan can make it easier for you to purchase the additional equipment that you need to perform your duties. Every year, we award $15,000 in First Responder Scholarships to students enrolled in the fire and police programs at Macomb Community College, Oakland Community College, and Schoolcraft College. The Woodward Dream Cruise is one of the biggest events in the state and our first responders work tirelessly to keep guests safe. As a thank you, our Royal Oak office is happy to annually drop off care packages to those units along the Woodward Corridor. For this year s Giving Back program, many of our branches are partnering with first responders in their communities. Learn more about their efforts at msgcu.org/givingback. **Annual Percentage Rate. Credit subject to approval. Normal credit standards apply.

6 News and Notes Complying with Regulation D MSGCU is required to comply with Regulation D, which limits the number of transactions allowed on certain accounts without your physical presence and/ or signature being required. This limit is in place for Membership Shares (Savings), Secondary Shares, Silver and Gold Savings, and Money Market Checking. School Supply Drive MSGCU is collecting school supplies until Aug. 12, You may bring new school supplies or monetary donations to any MSGCU office. All supplies will be donated to children in need throughout Oakland and Macomb Counties. We thank you in advance for your generosity and support of this worthy cause. During a statement period, you may not make more than six (6) withdrawals or transfers to another Credit Union account or a third party by means of a preauthorized or automatic transfer (ACH), Online Banking, telephone order or instruction, transfer by check/debit card (if applicable), or similar order to a third party. For additional information, please visit msgcu.org/regd and review frequently asked questions regarding this regulation. Skip a loan payment this summer Would you like to take a vacation from loan payments? With our Skip-A-Pay Program*, we can make that happen! Call us at to see if your loan qualifies for this program. *Speak with a Member Service Representative for full details about cost and restrictions. Unlock Your Home Equity The equity in your home can make dreams come true. Low rates. Quick approvals. No closing costs. Home equity special continues through July 31, Call or apply online at msgcu.org. Holiday Closing Upcoming Workshops For workshop locations and additional details, please visit msgcu.org/workshops. Independence Day Monday, July 4 Labor Day Monday, Sept. 5 Columbus Day Monday, Oct. 10 Youth Checking and Lending Tuesday, July 12 Thursday, Sept. 22 Building a Budget for Teens Wednesday, July 20 Homebuyer's Wednesday, Aug. 17 NEW: Elder Law Thursday, July 21 NEW: Estate Planning Monday, Oct. 17 All workshops are free and open to the public. Registration is required. Please visit msgcu.org/workshops to register. Events may be added or dates may change. MSGCU OFFICE LOCATIONS Clinton Township - Main Office Garfield Road Chesterfield Mile Road Market Place Boulevard Livonia Farmington Road Madison Heights 480 W. 12 Mile Road Shelby Township Hayes Road Mile Road St. Clair Shores Little Mack Avenue Sterling Heights 2356 Metropolitan Parkway Troy 4555 Investment Drive All branch lobbies, drive-thrus and the Call Center are open M W: 9:00 a.m. 5:00 p.m. Th: 9:00 a.m. 6:00 p.m. Fri: 9:00 a.m. 7:00 p.m. Sat: 9:00 a.m. 1:00 p.m. Phone: Toll Free: MSGCU4U Website: msgcu.org Find surcharge-free access to more than 30,000 ATMs nationwide through the CO-OP Network, including ATMs in 5,500 7-Eleven and Costco stores. Visit msgcu.org, and click on Locations & ATMs to search for a surcharge-free ATM near you. Royal Oak Woodward Avenue Warren E. 14 Mile Road Federally insured by NCUA

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