SW COUNTIES SCHOOL EMPLOYEES CREDIT

SW COUNTIES SCHOOL er Newsletter April 2015 2nd Quarter EMPLOYEES CREDIT 214 S. Neosho Blvd. Ste. B, Neosho, MO 64850 ~ Toll Free: (888) 451-3051 www.swcsecu.com ~ E-mail: chatfield@swcsecu.com ~ Phone: (417) 451-3051 ~ Fax: (417)312-8804 CLIONE HATFIELD IS BACK!!! The board has decided to bring in Clione Hatfield to replace me as the credit union manager. I have enjoyed working with all of you over the last six years, and wish all of you the best. Bruce Board Members Clione Hatfield Pres/Treas Tom Marrs Chairman Debbie Williams V-Chair Linda James Secretary Elizabeth Webster Rebecca Johnson Jyl Augspurger C-Person Tammy Yost Kathy Boyd C-Person NOW OFFERING 2.90% INTEREST ON 2014 & 2015 VEHICLE LOANS. (NEW LOANS ONLY!) Credit Union REPOSSESSION: We will have a 2005 Dodge 1500 2x4 up for sale in the coming weeks... Call if interested. SIGNATURE LOANS AVAILABILITY We will be offering our Signature Loans beginning middle of July for McDonald County schools, and middle of August for all other schools. Prior notice of 24 hours is needed for these loans, please call or email your request. Summer Office Hours: Tuesday Friday 1:00 5:00 p.m. AFTER HOUR APPOINTMENTS.. If you are unable to make it by 5:00 p.m. for member business transactions, you must make an appointment but no later than 5:30 p.m. 2015 INTEREST R ATES 2015 Loan Rates: (Vehicles that have a title can be used as collateral.) 2015 2014 Titled Vehicles 60 months 2.90% 2013-2012-2011 Titled Vehicles 60 months 6.00% 2010-2009-2008 Titled Vehicles 60 months 6.75% 2007-2006-2005 Titled Vehicles 60 months 7.50% 2004 and Older Titled Vehicles 48 months 8.75% 2015 Signature Loans: 15.0% (Initial Loan) 20.0% (Refinance) (Up to 12 months and $2,000 per individual except 1 st year members $500 per individual.) 2015 Share Loans: 2.00% Above Dividends (Presently 2.40%) 2015 Dividend Rate:.40% (Paid Quarterly) (Set at the end of each quarter.) Insured by the National Credit Union Association up to $250,000 FIELD OF MEMBERSHIP EXPANSION This is an exciting time for SWCSECU. We expanded our field of membership to include all school districts in the counties of Newton, McDonald, Jasper, Barry & Lawrence. As a Reminder...We loan on vehicles, boats, trailers, motorcycles, ATV s, RV s, etc.

Published by: Bruce Forsberg, SWCSECU President/Manager Phone: (417) 451-3051 214 S. Neosho Blvd. #B, Neosho, MO 64850 Email: bforsberg@swcsecu.com Website: www.swcsecu.com 1st Quarter - Newsletter January 2015 WE ARE LOCATED AT: 214 S. Neosho Blvd, #B, Neosho, MO (Corner of Harmony & Neosho Blvd) HOURS: Tuesday - Friday 2:00 to 6:00 p.m. Bruce Forsberg, Jr. - Pres. Tom Marrs - Chairman Linda James - Secretary Debbie Williams - V-Chair Elizabeth Webster Rebecca Johnson Jyl Augspurger - C-Person Jean Kelly Tammy Yost Kathy Boyd - Chairperson Enjoy the last semester of the 2014-2015 school year! Don t forgot, the last day for signature loans is April 1, 2015. Membership Eligibility.. All school employees, their families including grandchildren, that are a part of any of our approved school districts. REPOSSESSION FOR SALE We have a 2003 Mercedes E-Class 4-door Sedan for sale. It has several options, such as leather, and sunroof, etc. It has approx. 178,000 miles. We are asking $7000.00 to sell it on the spot, or will take bids if interested at a lesser amount. Please call or email with questions. 2015 LOAN RATES: (Vehicles that have a title can be used as collateral.) 2015 2014 Titled Vehicles (60 months) 2.90% 2013 2011 Titled Vehicles (60 months) 6.00% 2010 2008 Titled Vehicles (60 months) 6.75% 2007 2005 Titled Vehicles (60 months) 7.50% 2004 and Older Titled Vehicles (48 months) 8.75% 2015 SIGNATURE LOANS 14.0% Up to 12 months and $2,000 per individual. Must be payroll deducted & spouses can receive this as well, as long as they currently are or become an active member. (See Lending Policy or Website for further details.) 2015 SHARE LOANS 3% Above Dividends Presently 3.4% 2015 DIVIDEND RATE.40% yearly (with.40% apy) <Set at the end of each quarter.> Insured by the National Credit Union Association up to $250,000

Published by: Bruce Forsberg, Jr. - SWCSECU President/Manager Phone: (417) 451-3051 214 S. Neosho Blvd. #B, Neosho, MO 64850 Email: bforsberg@swcsecu.com Website: www.swcsecu.com 2nd Quarter - NEWSLETTER April 2013 WE ARE LOCATED AT: 214 S. Neosho Blvd, #B, Neosho, MO (Corner of Harmony & Neosho Blvd) NEW HOURS: Tuesday - Friday 2:00 to 6:00 p.m. Closed Bruce Forsberg, Jr. - Pres. Tom Marrs - Chairman Linda James - Secretary Debbie Williams - V-Chair Elizabeth Webster Rebecca Johnson Jyl Augspurger - C-Person Kathy Boyd - Chairperson Notary Service Available! Free to all Members of the Credit Union. 4-FOR-4 LOAN SPECIAL Loan special running from 02/01/13 to 05/01/2013 4% Interest for the 4 months listed above on all 2012 & 2013 vehicle loans. BOARD MEMBER OPENING: 2013 LOAN RATES: (Vehicles that have a title can be used as collateral.) 2012-2013 Titled Vehicles - (60 months) 5.25% 2009-2010-2011 Titled Vehicles - (60 months) 6.0% 2006-2007-2008 Titled Vehicles - (60 months) 6.75% 2003-2004-2005 Titled Vehicles - (60 months) 7.5% 2002 and Older Titled Vehicles - (48 months) 8.75% 2013 Annual Meeting The annual meeting will be held at the Credit Union office on April 24 th at 4:15 pm. Please let me know by April 19 th, if you plan on attending in order to allow for seating. SIGNATURE LOANS The last day to take out or re-finance signature loans is 04/01/2013. Signature loans for the 2013-14 school year will be available in July for McDonald County employees, and August for all other school district employees. (Specific dates will be announced at a later date.) We currently have an opening for a board member position on the credit union board. If you are interested, please contact me for further information. 2013 SIGNATURE LOANS - 14.0% Up to 12 months and $2,000 per individual. Must be payroll deducted & spouses can receive this as well, as long as they currently are or become an active member. (See Lending Policy or Website for further details.) 2013 SHARE LOANS - 3% Above Dividends - Presently 4.10% 2013 DIVIDEND RATE - 1.10% (Paid Quarterly) <Set at the end of each quarter.> Insured by the National Credit Union Association up to $250,000

Published by: Bruce Forsberg, Jr. - SWCSECU President/Manager Phone: (417) 451-3051 214 S. Neosho Blvd. #B, Neosho, MO 64850 Email: bforsberg@swcsecu.com Website: www.swcsecu.com 4th Quarter - NEWSLETTER October 2012 WE ARE LOCATED AT: 214 S. Neosho Blvd, #B, Neosho, MO (Corner of Harmony & Neosho Blvd) HOURS: Tuesday - Friday 2:00 to 5:00 p.m. 9:00 a.m. to 12:00 p.m. WE NEED YOUR OPINION The credit union board of directors are considering the option of discontinuing the Loan Protection insurance that is currently provided by the credit union for the members. If you have a concern or comment about this, please call or email me at 417-451-3051 or bforsberg@swcsecu.com. Be sure to play it safe! Make sure you have designated beneficiaries on your credit union saving s account. H oliday Closings: Thanksgiving - November 22 nd -24 th (Thurs Sat) Christm as December 22 nd & 25 th (Sat & Tues) N ew Years January 1 st (Tues) H ave a safe and happy holiday season! Bruce Forsberg, Jr. - Pres. Tom Marrs - Chairman Linda James - Secretary Debbie Williams - V-Chair Elizabeth Webster Rebecca Johnson Jyl Augspurger - C-Person John Littlefield Kathy Boyd - Chairperson NOTARY SERVICE AVAILABLE! Free to all Members of the Credit Union. CONSIDER THIS.There is constant chatter about how banks are adding new fees for their services. Our credit union has been in operation for approximately 18 years and still does not charge any processing or service fees. 2012 LOAN RATES: (Vehicles that have a title can be used as collateral.) 2011-2012 Titled Vehicles - (60 months) 5.25% 2008-2009-2010 Titled Vehicles - (60 months) 6.0% 2005-2006-2007 Titled Vehicles - (60 months) 6.75% 2002-2003-2004 Titled Vehicles - (60 months) 7.5% 2001 and Older Titled Vehicles - (48 months) 8.75% 2012 SIGNATURE LOANS - 14.0% Up to 12 months and $2,000 per individual. Must be payroll deducted & spouses can receive this as well, as long as they currently are or become an active member. (See Lending Policy or Website for further details.) 2012 SHARE LOANS - 3% Above Dividends - Presently 4.00% 2012 DIVIDEND RATE - 1.00% yearly (with 1.01% apy) <Set at the end of each quarter.> Insured by the National Credit Union Association up to $250,000 We Do Loans for: New & Used Vehicles, Motorcycles, Boats, RV s, ATV s, and many other titled vehicles!

Published by: Bruce Forsberg, SWCSECU President/Manager Phone: (417) 451-3051 214 S. Neosho Blvd. #B, Neosho, MO 64850 Email: bforsberg@swcsecu.com Website: www.swcsecu.com 2nd Quarter - NEWSLETTER April 2012 WE ARE LOCATED AT: 214 S. Neosho Blvd, #B, Neosho, MO (Corner of Harmony & Neosho Blvd) HOURS: Tuesday - Friday 2:00 to 5:00 p.m. 9:00 a.m. to 12:00 p.m. Bruce Forsberg, Jr. - Pres. Tom Marrs - Chairman Linda James - Secretary Debbie Williams - V-Chair Elizabeth Webster Rebecca Johnson Jyl Augspurger - C-Person John Littlefield Kathy Boyd - Chairperson Signature Loans I hope everyone is having a great summer. Please remember that we start offering the signature loans to the employees of the McDonald County School District Friday, July 13th, and to the employees of the other school districts on Wednesday, August 15th. Please call me in advance if you intend to take out one of these loans, so I can plan accordingly and make sure everyone is taken care of in a timely manner. The signature loans are available from the above listed dates to April 1, 2013 for the 2012-2013 school year. NEW LOWER INTEREST RATES ON VEHICLE LOANS starting 02/01/12!!! See Below New Board Member: Please welcome Elizabeth Liz Webster from the McDonald County School District to the credit union board of directors. 2012 LOAN RATES: (Vehicles that have a title can be used as collateral.) 2011-2012 Titled Vehicles - (60 months) 5.25% 2008-2009-2010 Titled Vehicles - (60 months) 6.0% 2005-2006-2007 Titled Vehicles - (60 months) 6.75% 2002-2003-2004 Titled Vehicles - (60 months) 7.5% 2001 and Older Titled Vehicles - (48 months) 8.75% 2012 SIGNATURE LOANS - 14.0% Up to 12 months and $2,000 per individual. Must be payroll deducted & spouses can receive this as well, as long as they currently are or become an active member. (See Lending Policy or Website for further details.) 2012 SHARE LOANS - 3% Above Dividends - Presently 4.00% NOTE: The email and credit application links are now functional on our website. 2012 DIVIDEND RATE - 1.00% yearly (with 1.01% apy) <Set at the end of each quarter.> Insured by the National Credit Union Association up to $250,000

Published by: Bruce Forsberg, SWCSECU President/Manager Phone: (417) 451-3051 or (866) 451-3051 2209 Oak Ridge Dr. #B, Neosho, MO 64850 Email: Bforsberg@swcsecu.com Website: www.swcsecu.com 22 nd Quarter - NEWSLETTER April, 2010 WE ARE LOCATED AT: 2209 Oak Ridge Dr., #B, Neosho, MO (Next door to Oak Tree Mart) HOURS: Tuesday - Friday 2:00 to 5:00 p.m. 9:00 a.m. to 12:00 p.m. I urge all members to check out our current savings and loan programs. From our signature loans to our new and used vehicle loans; we offer great rates along with the convenience of payroll deduction. Visit our website, stop by or give me a call to go over any of these programs that might fit your needs. Bruce Want to start your children a Savings Account that pays? As immediate family, your children are eligible to become members. Let us make NEW BOARD MEMBER ELECTED Cindee Undernehr from the McDonald County School district, has been appointed as a new board member for our Credit Union. **CU LEADERSHIP** Bruce Forsberg - President Tom Marrs - Chairman Linda James - Secretary Debbie Williams - VP Jyl Augspurger - Chairperson Cindee Undernehr Kathy Boyd - Chairperson Leslee Kennedy 2010 LOAN RATES: 2008-2009-2010 Titled Vehicles - (60 months) 6.5% 2004-2005-2006-2007 Titled Vehicles - (60 months) 7.0% 2000-2001-2002-2003 Titled Vehicles - (60 months) 8.5% 1999 and Older Titled Vehicles - (48 months) 10.0% 2010 SIGNATURE LOANS - 14.0% Up to 12 months and $2,000 per individual - No Questions Asked! Must be payroll deducted & spouses can receive this as well, as long as they currently are or become an active member. (See Lending Policy or Website for further details.) 2010 SHARE LOANS - 3% Above Dividends - Presently 4.25% 2010 DIVIDEND RATE - 1.25% yearly (with 1.26% apy) <Set at the end of each quarter.> Check out our website at swcsecu.com Did you know??? When you get a loan through the credit union, you automatically receive loan protection insurance completely paid for by the credit union. This means if something were to happen to you, the loan(s) would be paid up to $10,000. For more information on this valuable benefit, you can find it online at our website, or you can call me for further information. Coming Soon.. We will be offering free Notary services for all credit union members starting in the next month or so.

Published by: Bruce Forsberg, SWCSECU President/Manager Phone: (417) 451-3051 or (866) 451-3051 2209 Oak Ridge Dr. #B, Neosho, MO 64850 Email: Bforsberg@swcsecu.com Website: www.swcsecu.com NEWSLETTER --- January, 2010 We are located at: 2209 Oak Ridge Dr., #B, Neosho, MO (Next door to Oak Tree Mart) ~~~NEW SATURDAY HOURS FOR 2010~~~ We will be changing our hours of operation on s starting February 1, 2010. We will be open from 9:00 a.m. to 12:00 p.m., instead of 10:00 a.m. to 1:00 p.m., in hopes that this will benefit all of you that want to get an earlier start on mornings. HOURS: Tuesday - Friday 2:00 to 5:00 p.m. 9:00 a.m. to 12:00 p.m. Jay Hahne, a long-time board member of the Credit Union recently passed away. I wanted to send out my deepest condolences to Jay s family. He will be greatly missed! **CU LEADERSHIP** Bruce Forsberg - President Tom Marrs - Chairman Linda James - Secretary Debbie Williams - VP Jyl Augspurger - Chairperson Kathy Boyd - Chairperson Leslee Kennedy I hope everyone is having a great start to the New Year! Here at the credit union, the management transition from Clione to myself has been completed. I wanted to take this time to thank Clione for all her insight and hard work in preparing me to take over as manager. I wish her a great retirement! I urge all members to check out our current savings and loan programs. From our Signature Loans to our new and used vehicle loans; we offer great rates along with the convenience of payroll deduction. Our savings program has a much higher dividend rate than other area banks. Visit our website, stop by or give me a call to go over any of these programs that might fit your needs. I look forward to working with each and everyone of you throughout the new year! 2010 LOAN RATES: 2008-2009-2010 Titled Vehicles - (60 months) 6.5% 2004-2005-2006-2007 Titled Vehicles - (60 months) 7.0% 2000-2001-2002-2003 Titled Vehicles - (60 months) 8.5% 1999 and Older Titled Vehicles - (48 months) 10.0% 2010 SIGNATURE LOANS - 13.0% Up to 12 months and $2,000 per individual - No Questions Asked! Must be payroll deducted & spouses can receive this as well, as long as they currently are or become an active member. (See Lending Policy or Website for further details.) 2010 SHARE LOANS - 3% Above Dividends - Presently 4.25% 2010 DIVIDEND RATE - 1.25% yearly (with 1.26% apy) <Set at the end of each quarter.> Want to start your children a Savings Account that pays? As immediate family, your children are eligible to become members. Let us make them more money with our great rates!

NEWSLETTER AUGUST, 2009 Published by: Clione Hatfield, SWCSECU President Phone 417-451-3051 1-866-451-3051 2209 Oak Ridge Dr. #B, Neosho, MO 64850 Email: chatfield@swcsecu.com WebSite: www.swcsecu.com Our location is at: 2209 Oak Ridge Dr., #B (Next door to Oak Tree Mart.) Hours Tuesday-Friday 2:00-5:00 p.m. 10:00-1:00 p.m. Tom Marrs-Chairman Linda James-Secretary Debbie Williams-VP : Jyl Augspurger-CP Jay Hahne,. : Kathy Boyd-Chairperson Leslee Kennedy, WITHHOLDING SLIP: LOAN RATES 2007-2008-2009 titled vehicle (60 months) 6.5% 2003-2004-2005-2006 titled vehicles - (60 months) 7.0% 1999-2000-2001-2002 titled vehicles - (60 months) 8.5% 1998 and older titled vehicles - (48 months) 10.0% SIGNATURE LOANS 13.0% (Up to 12 months and $2000 per individual must be payroll deducted see lending policy.) SHARE LOANS - 3% Above Dividends Presently 4.50% DIVIDEND RATE 1.50% yearly (with 2.51% apy) (SET AT THE END OF EACH QUARTER.) FEDERALLY INSURED BY NCUA up to $250,000.00 IMPORTANT INFORMATION FOR NEW MEMBERS Before you can become a full fledged credit union member, you must have completed a membership card, indicated you physical address, and provided your social security number. These are new Federal Guidelines. We can start with the withholding slip completed, then before the first payroll deduction I will need the membership card and picture ID. 2209 OAK RIDGE DR, #B, NEOSHO, MO 64850 451-3051 I,, do hereby authorize the School District to withhold from my regular monthly pay check the total amount of $ per month throughout the school year for the purpose of being distributed to my account with the SWCSECU in the following manner: $ To my loan balance monthly SSN $ To my regular savings account Monthly (only new members) $ To my Christmas Club balance Monthly $ Total monthly withholdings Name: *Physical address: *Phone no: - - *Return to your school payroll office by August 24,2009 * ATTENTION: New members, you must attach a copy of your pictured driver s license.

NEWSLETTER January, 2009 Published by: Clione Hatfield, SWCSECU President Phone 417-451-3051 1-866-451-3051 2209 Oak Ridge Dr. #B, Neosho, MO 64850 Email: chatfield@swcsecu.com WebSite: www.swcsecu.com Our location is at: 2209 Oak Ridge Dr., #B (Next door to Oak Tree Mart.) Hours Tuesday-Friday 2:00-5:00 p.m. 10:00-1:00 p.m. Tom Marrs-Chairman Linda James-Secretary Debbie Williams-VP : -Chairperson Jay Hahne,. Jyl Augspurger : Kathy Boyd-Chairperson Leslee Kennedy, WITHHOLDING SLIP: LOAN RATES 2007-2006-2009 titled vehicle (60 months) 6.5% 2003-2004-2005-2006 titled vehicles - (60 months) 7.0% 1999-2000-2001-2002 titled vehicles - (60 months) 8.5% 1998 and older titled vehicles - (48 months) 10.0% SIGNATURE LOANS 13.0% (Up to 12 months and $2000 per individual must be payroll deducted see lending policy.) SHARE LOANS - 3% Above Dividends Presently 5.25% DIVIDEND RATE 2.25% yearly (with 2.285% apy) (SET AT THE END OF EACH QUARTER.) FEDERALLY INSURED BY NCUA up to $250,000.00 IMPORTANT VACATION INFORMATION I will be gone on a CRUISE from February 16-23. The credit union office will be closed; however, we have made arrangements to make your money available. Linda James, C.U. Secretary, will have a list of available funds and will mail you a check if you call her at 417-451-3517 during the regular office hours of Tues- Friday, 2:00-5:00. No loans will be available at that time. Clione 2209 OAK RIDGE DR, #B, NEOSHO, MO 64850 451-3051 I,, do hereby authorize the School District to withhold from my regular monthly pay check the total amount of $ per month throughout the school year for the purpose of being distributed to my account with the SWCSECU in the following manner: $ To my loan balance monthly $ To my regular savings account Monthly $ To my Christmas Club balance Monthly $ Total monthly withholdings Name: *Address: *Fill in so we may verify *Phone no: - - and update your address. *Return to your school payroll office by January 26,2009 * ATTENTION: New members, you must attach a copy of your pictured driver s license.

NEWSLETTER August, 2008 Published by: Clione Hatfield, SWCSECU President Phone 417-451-3051 1-866-451-3051 2209 Oak Ridge Dr. #B, Neosho, MO 64850 Email: chatfield@swcsecu.com WebSite: www.swcsecu.com Our new location is at: 2209 Oak Ridge Dr., #B (Next door to Oak Tree Mart.) Hours Tuesday-Friday 2:00-5:00 p.m. 10:00-1:00 p.m. Tom Marrs-Chairman Linda James-Secretary Debbie Williams-VP : -Chairperson Jay Hahne,. Jyl Augspurger : Kathy Boyd-Chairperson Leslee Kennedy, WITHHOLDING SLIP: LOAN RATES 2006-2007-2008 titled vehicle (60 months) 6.5% 2002-2003-2004-2005 titled vehicles - (60 months) 7.0% 1998-1999-2000-2001 titled vehicles - (60 months) 8.5% 1997 and older titled vehicles - (48 months) 10.0% SIGNATURE LOANS 13.0% (Up to 12 months and $2000 per individual must be payroll deducted see lending policy.) SHARE LOANS - 3% Above Dividends Presently 5.75% DIVIDEND RATE 2.75% yearly (with 2.785% apy) (SET AT THE END OF EACH QUARTER.) FEDERALLY INSURED BY NCUA up to $100,000.00 TIDE-YOU-OVER LOANS for the2008-2009 school year are available August 15. You must call the day before you want to sign the loan papers and pick up the check. New members maximum of $500.00 Current members maximum of $2,000.00 Must be payroll deducted and pay off by the end of this school year s last payroll. 2209 OAK RIDGE DR, #B, NEOSHO, MO 64850 451-3051 I,, do hereby authorize the School District to withhold from my regular monthly pay check the total amount of $ per month throughout the school year for the purpose of being distributed to my account with the SWCSECU in the following manner: $ To my loan balance monthly $ To my regular savings account Monthly $ To my Christmas Club balance Monthly $ Total monthly withholdings Name: *Address: *Fill in so we may verify *Phone no: - - and update your address. *Return to your school payroll office by August 26 th. * ATTENTION: New members, you must attach a copy of your pictured driver s license.

NEWSLETTER May, 2008 Published by: Clione Hatfield, SWCSECU President Phone 417-451-3051 1-866-451-3051 2209 Oak Ridge Dr. #B, Neosho, MO 64850 Email: chatfield@swcsecu.com WebSite: www.swcsecu.com Our new location is at: 2209 Oak Ridge Dr., #B (Next door to Oak Tree Mart.) Hours 2:00-5:00p.m. Monday-Friday 10:00-1:00p.m. Tom Marrs-Chairman Linda James-Secretary Debbie Williams-VP : -Chairperson Jay Hahne,. Jyl Augspurger : Kathy Boyd-Chairperson Leslee Kennedy, LOAN RATES 2006-2007-2008 titled vehicle (60 months) 6.5% 2002-2003-2004-2005 titled vehicles - (60 months) 7.0% 1998-1999-2000-2001 titled vehicles - (60 months) 8.5% 1997 and older titled vehicles - (48 months) 10.0% SIGNATURE LOANS 12.0% (Up to 12 months and $2000 per individual must be payroll deducted see lending policy.) SHARE LOANS - 3% Above Dividends Presently 5.75% DIVIDEND RATE 2.75% yearly (with 2.785% apy) (SET AT THE END OF EACH QUARTER.) FEDERALLY INSURED BY NCUA up to $100,000.00 TIDE-YOU-OVER LOANS for the2008-2009 school year will become available: McDonald County personnel July 15, 2008 Seneca, Westview, Diamond, Pierce City, Purdy, Wheaton, East Newton, Neosho personnel August 15, 2008

NEWSLETTER AUGUST 2007 Published by: Clione Hatfield, SWCSECU President Phone 417-451-3051 1-866-451-3051 15166 Mallard Dr. / 101 East Main, Neosho, MO 64850 Email: chatfield@swcsecu.com TO conduct business, come to Room2Room (on the mezzanine) on the SW corner of the Neosho Square. Come in the front doors or the Frames, Etc. door on Wood Street. Hours 9:30-5:00p.m. Monday-Friday Tom Marrs-Chairman Linda James-Secretary Debbie Williams-VP : -Chairperson Jay Hahne,. Jyl Augspurger : Kathy Boyd-Chairperson Leslee Kennedy, Suzanne Brown LOAN RATES 2005-2006-2007 titled vehicle (60 months) 6.5% 2001-2002-2003-2004 titled vehicles - (60 months) 7.0% 1997-1998-1999-2000 titled vehicles - (60 months) 8.5% 1996 and older titled vehicles - (48 months) 10.0% SIGNATURE LOANS 12.0% (Up to 12 months and $2000 per individual must be payroll deducted see lending policy.) SHARE LOANS - 3% Above Dividends Presently 5.5% DIVIDEND RATE 2.5% yearly (with 2.529% apy) (SET AT THE END OF EACH QUARTER.) FEDERALLY INSURED BY NCUA up to $100,000.00 Start of School Money Worries and Woes-Have we got a Deal for you! $500.00-2000.00 TYOL (Tide-You-Over Loan) No Credit Check / Debt Ratio / Payroll Deduct ONLY Tied to your 2007-2008 school contract 12-Month contract payments $45.00 to $178.00 Must pay Off if you leave the district before Your contract is up

SW CO. SCHOOL EMPLOYEES CREDIT UNION NEWSLETTER MAY 2007 Published by: Clione Hatfield, SWCSECU President Phone 417-451-3051 15166 Mallard Dr., Neosho, MO 64850 Email: chatfield@swcsecu.com The office is located at Room2Room (on the mezzanine) on the SW corner of the Neosho Square. Come in the front doors or the Frames, Etc. door on Wood Street. Hours 9:30-5:00p.m. Monday-Friday COMING SOON- NEW WEBSITE! New member info, loan application, latest newsletter, etc. LOAN RATES 2005-2006-2007 titled vehicle (60 months) 6.5% 2001-2002- 2003-2004 titled vehicles - (48 months) 7.0% 1997-1998-1999-2000 titled vehicles - (48 months) 8.5% 1996 and older titled vehicles - (36 months) 10.0% SIGNATURE LOANS 12.0% (Up to 12 months and $2000 per individual must payoff with contract be payroll deducted.) SHARE LOANS - 3% Above Dividends Presently 5.5% DIVIDEND RATE 2.5% yearly (with 2.59% apy) (SET AT THE END OF EACH QUARTER.) FEDERALLY INSURED BY NCUA up to $100,000.00 USA PATRIOT ACT IMPORTANT INFORMATION ABOUT OPENING A NEW ACCOUNT To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. WHAT THIS MEANS FOR YOU: When you open an account, we ask for your name, physical address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver s license or other identifying documents. We have quite a few accounts that belong to members who are no longer employees of the district (this does not include retirees) that will be closed after this round of dividends. Checks will be mailed for the amount remaining in the account. Have a safe and happy summer!