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GUIDE TO YOUR NEW MEMBERSHIP

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GUIDE TO YOUR NEW MEMBERSHIP Powered By Docstoc
					            Real value. Every day.




GUIDE TO YOUR NEW MEMBERSHIP

Financial services
   designed to enhance
your life
                                                                                                                                                                                    ESSENTIALS
                                                                                                                                                                                     MERGER
    WE’LL BE HERE FOR YOU                                                                      ESSENTIAL MERGER INFORMATION
    If you have additional questions that aren’t answered here, please let us                  It is our pleasure to welcome you to your new credit union, and we hope
    know. We value your membership, and are committed to providing you                         to make this transition as smooth as possible. This guide provides details
    the highest level of service possible!                                                     on your new accounts, also pointing out how they may differ from your
                                                                                               previous accounts. In most cases, we think you’ll find the changes to be
                                                                                               positive ones.
                    All branches will be closed
               Saturday, April 30 — Monday, May 2,                                             Accounts and systems will begin transferring on April 30th.
              to accommodate the systems conversion.                                           By Tuesday, May 3rd, you will enjoy full access to Wings’ branches, ATMs
                   Electronic transactions and checks will be processed.                       and online services.

                                                                                               Your Member Number will be your Wings ID Number.
    Use the following numbers to contact Wings beginning May 3, 2011:                          For simplicity, your new Wings ID will be created by adding a 3 to your
                                                                                               City-County Member Number. For example, Member Number 123456
    Member Services
                                                                                               is now Wings ID # 3123456.
        Merger Specialists (until 5/31/11)                                  763-549-6000
                                                                        or 800 642-2328        Your checking account number will be the same 10-digit
        Nationwide Toll-Free                                  1 800 692-2274, option 2         account number that currently appears on your checks. Your account
        Twin Cities, MN                                         952 997-8000, option 2         will simply convert to a Wings First Class Checking account.

    Account Access CU PAL (24 hours)                     1 888 MY CU PAL (692-8725)            You can continue to use your City-County MasterCard®
    Loan Hotline                                          1 888 692-LOAN (692-5626)            check card or ATM card with the same PIN.
    Loan Information                                          1 800 692-2274, option 3         You can continue to use your City-County checks. Once you
    Report Lost/Stolen Cards                                                                   have used all your old checks, you can order a box of new Wings Financial
        Credit Cards                                                       1 800 449-7728      checks at no cost.
        Check Cards                                           1 800 692-2274, option 4         Your direct deposits and electronic payments will
    Mortgage Loans                                                                             continue after April 30, 2011, as they have in the past. However, we ask
        Nationwide                                                         1 888 692-5626      that you update the payment source/destination with the Wings Financial
        Mortgage Loan Rates                       1 800 692-2274, option 8, ext. 8275          routing number – 296076152 – after May 3rd.

        When you call Member Services and select option 2, you will be prompted to enter
        your new Wings ID# and last four digits of your social security number, which allows
        us to serve you more efficiently.

        www.wingsfinancial.com
        mobile.wingsfinancial.com                                                                                                                         MORE INFO...




                                                                                                                                                           Pg. X
                               WINGS’ MISSION
                                                                                                                                                  This symbol shows you
               To provide premier member value                                                                                                    which page to turn to
                                                                                                                                                   in your Account Agreement
           through stability, efficiency and innovation.                                                                                          & Disclosure for additional
                                                                                                                                                  information.



1                                                                                                                                                                               2
    NOTICE OF CHANGES TO
    YOUR ACCOUNTS




                                                                                                                                                                  ACCT INFO
                                                                                                                                                                   GENERAL
    Effective May 1, 2011.
                                                                                  Dividends. Dividends are calculated by the average daily balance
                                                                                  method, which applies a periodic rate to the average daily balance in
    Your Wings ID Number. Your new Wings ID will be created by adding             the account during the period. The average daily balance is calculated
    a 3 to your City-County Member Number. For example, Member Number             by adding the balance in the account for each day in the period, then
    123456 is now Wings ID # 3123456.                                             dividing that figure by the number of days in the period.

                                                                                  Following are examples of dividend periods. All other dividend
                     IMPORTANT: Account History                                   periods follow the same pattern of dates: Monthly: Jan 1 – Jan 31;
        We are unable to convert City-County transaction history                  Quarterly: Jan 1 – Mar 31.
        directly to your CU Online activity. However, you can always              All accounts (excluding certificates) have variable dividend rates.
        access one full year of account history if you sign up for                The dividend rate and annual percentage yield (APY) may change as
        e-Statements (details on pg. 15).                                         frequently as quarterly for share savings and money manager savings
                                                                                  accounts; monthly for checking accounts; and weekly for money
    Joint ownership. Note that Wings statements are only addressed to             market and IRA share accounts.
    the primary account owner; this does not reflect a change in ownership.       Dividends are currently credited and compounded quarterly for share
    If you are a joint owner on an account, a Wings ID # will be automatically    savings and money manager savings; monthly for checking, money
    generated for you to access your accounts. Please contact the credit          market and IRA share accounts.
    union to obtain this information after May 3rd.

    Joint owner records should be transferred from CCFCU to Wings.                Enclosed is an Account Agreement and Disclosure which supercedes all
    However, differences in processes and documentation may temporarily           previous terms and disclosures excluding existing certificates and loans.
    prevent access to some accounts after the merger. If this should
    occur, please contact us to restore joint access.

    All joint accounts will remain the property of the signers as joint tenants
    with right of survivorship, excluding the initial $5 membership in the                 ABOUT WINGS FINANCIAL CREDIT UNION
    primary share account.                                                           • Begun in 1938 to serve the employees of Northwest Airlines.

    Wings funds availability policy (check holds) is substantially                   • Our focus has expanded, first to serve all air transportation
    similar to the current City-County policy. However, Wings reserves the             employees, then residents of the Minneapolis/St. Paul and
    right to place up to a 7-day hold on exception items.                              Seattle/Tacoma metro areas.
                                                                                     • Headquartered in Apple Valley, MN, with 24 branches across
    State withholding on retirement accounts.
                                                                                       the Twin Cities and nationwide.
    Unlike City-County, Wings Financial does not withhold state taxes upon
    distribution. We are required, however, to report any distributions to
    the Internal Revenue Service.




3                                                                                                                                                             4
    SAVINGS & CERTIFICATES
    Savings                                                                          IRA/Roth Accounts
    High-yield options to secure your future.                                        Tax-smart ways to save for your future.
    For the most part, any changes to your credit union savings accounts             Most members with IRA and Roth accounts will not notice
    are minimal – and positive. Wings Financial offers a wide array of secure        any difference when their retirement accounts transfer to Wings.
    savings options at consistently higher yields.                                   To help you save for long-term goals, Wings IRA/Roth




                                                                                                                                                                              CERTIFICATES
                                                                                                                                                                               SAVINGS &
       • Above-market dividends on deposits                                          accounts offer:                                            MORE INFO...

       • Lower or no minimum opening balances                                            • Variable dividends, higher than Share Accounts
                                                                                         • Dividends are calculated daily; compounded/                   Pg. 8
    Certificates                                                                           paid monthly
    A safe, secure investment with market-leading rates.

    Any certificate accounts you currently have will transfer to Wings and                                  SAVINGS ACCOUNTS
    will continue under the existing rate and terms until maturity, excluding
                                                                                  IF YOU HAD…                 YOU’LL NOW HAVE…         WHAT’S DIFFERENT
    the following:
       • Dividends that are currently paid by check will now be transferred       Share Savings               Share Savings            Dividends paid quarterly
                                                                                  (including UTMA shares)
         into your share savings account.
                                                                                  Holiday Club                Money Manager            Dividends paid quarterly
       • Dividends will be posted on your existing cycle (quarterly/monthly)
         on the last day of the month.                                            Escrow Savings Account      Money Manager            Dividends paid quarterly

                                                                                  Market Rate Savings         Money Manager            Dividends paid quarterly
       • At maturity, regular certificates will not auto-renew; funds will
         transfer into your primary share account and you will have the option    Premium Money Market        World Class              $1,000 minimum withdrawal
                                                                                  Account                     Money Market             If balance falls below $5,000,
         to choose one of Wings’ market-leading certificate options.                                                                   a $10 monthly service charge
                                                                                                                                       will apply
       • IRA certificates will automatically renew for a standard Wings IRA                                                            Monthly dividends
         certificate term (non-standard terms will renew at the lesser standard   Investor’s Choice Account   Investment Money         Tiered rate account
         term; i.e., an 18-month would renew as a 12-month).                                                  Market                   $5,000 minimum balance
                                                                                                                                       required to earn dividends
    Additional Wings certificate information:                                                                                          2 free withdrawals per month

       • Certificates are available as Share and IRA Certificates, terms from 3   Check Cashing Account       Share Savings            Dividends paid quarterly

         months to 5 years                                                        Traditional IRA Deposit     Wings IRA Share          Dividends paid monthly
                                                                                  Account                     Account
       • Periodic “Certificates Du Jour” are offered at special rates and terms
                                                                                  Roth IRA Deposit            Wings IRA Share          Dividends paid monthly
       • Required Minimum Distribution (RMD) schedules will remain the same       Account                     Account
       • Early withdrawal penalties apply – exceptions made for IRA RMD
         withdrawals only
                                                                                                                      Other
                                                                                  IF YOU HAD…                 YOU’LL NOW HAVE…         WHAT’S DIFFERENT
                                                                                  Savasaurus/Boom!            Junior Jet Savers/SOAR   Most program features
                                                                                                                                       will be carried over; watch for
                                                                                                                                       more information
                                                                                                                                       coming soon

                                                                                  Overdraft Protection        Wings Overdraft          Cumulative amount will
                                                                                                              Protection               transfer nightly in exact dollar
                                                                                                                                       amount, rather than
                                                                                                                                       $200 increments
5                                                                                                                                                                         6
    CHECKING
    Free checking with no minimums —
    plus dividends and rewards.
                                                                                                    CHECKING ACCOUNTS
    One of the most rewarding checking accounts around,
                                                                          IF YOU HAD…                    YOU’LL NOW HAVE…        WHAT’S DIFFERENT
    Wings First Class Checking offers all members one simple account
    with our best benefits, plus dividends and rewards.                   Frills Free Plus Checking      Wings                   Dividends paid monthly
                                                                                                         First Class Checking    Free checks–1 box per year
       • No monthly service charge, fewer and lower fees                                                                         Remote Deposit
                                                                                                                                 Signature Rewards†
       • No minimum balance to earn competitive dividends
                                                                          Daily Interest Checking        Wings                   No minimum balance
       • Cash back with your check card and Signature Rewards                                            First Class Checking    No monthly service charge
       • Free checks and Bill Payer service*                                                                                     Free checks–1 box per year
                                                                                                                                 Remote Deposit
       • Surcharge-free ATM access – over 57,000 nationwide                                                                      Signature Rewards†
       • Free checks (one box per year)                                   Premier Checking               Wings                   No minimum balance




                                                                                                                                                                     CHECKING
                                                                                                         First Class Checking    No monthly service charge
       • .5% APR discount on GreatRate loans                                                                                     Remote Deposit
                                                                                                                                 Signature Rewards†
    Wings Funds Availability Policy (check holds) is substantially        New Vistas Checking            Wings                   Remote Deposit
    similar to the current City-County policy. However, Wings reserves                                   First Class Checking    Signature Rewards†
    the right to place up to a 7-day hold on exception items.             Advantage Checking             Wings                   One rate for all balances
                                                                                                         First Class Checking    No requirements for debit
                                                                                                                                 transactions, direct deposit,
    Checking account numbers will not change.                                                                                    ACH auto debit or online
    You can continue to use your City-County checks until the supply is                                                          billpay to earn rate
                                                                                                                                 Free checks–1 box per year
    depleted. You will receive checking statements on a monthly basis,                                                           Remote Deposit
    with a statement cycle ending on the 21st of each month.                                                                     Signature Rewards†

                                                                          Frills Free Checking           Wings                   Dividends paid monthly
    You can continue to use your same debit card                                                         First Class Checking    Free checks–1 box per year
    and same PIN, while gaining access to Wings’ surcharge-free                                                                  Remote Deposit
                                                                                                                                 Signature Rewards†
    ATM network and cash back with Wings Signature Rewards
                                                                          Daily Interest Minimum         Wings                   No minimum balance
    (sign up online or at any branch).                                    Checking                       First Class Checking    No monthly service charge
                                                                                                                                 Free checks–1 box per year
                                                                                                                                 Remote Deposit
                                                                                                                                 Signature Rewards†
                                                                          Premier Minimum                Wings                   Remote Deposit
                                                                          Checking                       First Class Checking    Signature Rewards†
     MORE INFO...
                                                                                                                                 No monthly service charge


        Pg. 8
                                                                                                                    Other
                                                                          IF YOU HAD…                    YOU’LL NOW HAVE…        WHAT’S DIFFERENT

                                                                          Overdraft Protection           Wings                   Cumulative amount will
                                                                          from Savings or LOC            Overdraft Protection    transfer nightly in exact
                                                                                                         from Savings or LOC     dollar amount, rather than
                                                                                                                                 $200 increments
                                                                                                                                 A second checking account
                                                                                                                                 may not be used to provide
                                                                                                                                 overdraft protection for
                                                                                                                                 another checking account

    *When you make a minimum of three bill payments per month.            † To earn Signature Rewards, you must sign up first.

7                                                                                                                                                                8
    LOANS
    Competitive lending for needs large and small.

    Existing City-County loan accounts will be transferred to Wings Financial        Credit bureau reporting. Beginning May 1, any loans that
    under the same rates and terms. For most loans, you may continue to              you have had at City-County FCU will appear as loans held by
    make payments on the same day(s) as you do now, but the due date will            Wings Financial Credit Union. The loan terms will not change, and
    be the last day of each calendar month. Exception: fixed home equity             they will not be reported again, other than to update current payment
    loans will be due on the 1st of the month.                                       status. New loans written after May 1 will be reported as
                                                                                     Wings Financial loans in all cases.
    Additional loan payment information:
       • The loan grace period will be increased from 10 to 15 days.
       • If you use loan payment coupons, you will receive a new                     MORTGAGE LOANS
         coupon book in April for May payments.                                      Money-saving rates, lower closing costs.
       • We do not accept loan payments via phone (exception made
         for delinquent loans).                                                      Members with CCFCU mortgage loans, serviced through
       • You may continue making biweekly payments if you choose;                    CU Companies, will not experience any changes to their loan
         however, CU Online will display the monthly payment amount.                 related to the merger. You may continue making payments on
                                                                                     your mortgage just as you do today.
    As a Wings Financial Credit Union member, you’ll have access to some




                                                                                                                                                                    CREDIT CARDS
    of the country’s lowest lending rates – including a ½% rate discount on          You may also choose to finance or refinance your home with an




                                                                                                                                                                      LOANS &
    GreatRate loans when you have an active Wings checking account                   affordable Wings Financial loan. Our mortgage loans feature:
    with net direct deposit.                                                            • Low rates & below-market closing costs
       • One low GreatRate for any vehicle, new or used,                                • A variety of loan options
         purchase or refinance                                                          • Secure online application
       • Low-interest home equity loans
       • Personal loans and lines of credit
                                                                                     CREDIT CARDS
    Line-of-credit loan changes. If you have overdraft protection                    Fair and reasonable credit.
    tied to a line of credit, you will notice that funds transfers will
    now be in the exact amount needed, rather than in $200 increments.               You can continue to use your current City-County
    The cumulative transfer amount will occur nightly.                               Visa Cards, although online credit card account
                                                                                     information will be unavailable for approximately two weeks after the
    Payments made on line-of-credit loans are applied to the principal,
                                                                                     merger. Starting in May, your credit card statement will appear in the same
    plus previous month’s interest. Any interest due will be added to the
                                                                                     format as Wings’ credit card statements.
    balance of the loan.
                                                                                     This summer, the credit union will issue you new, Wings-branded
    Credit Life and Disability Insurance. If you held Credit Life and                cards at your existing rates and terms.
    Disability Insurance on your loan at CCFCU, there will be no change to your
                                                                                     Or you can choose to apply for a Wings Visa card, which offers:
    policy. The credit union will continue operating the Allied insurance product.
    For new or refinanced loans after the merger, you will have the opportunity         • Low, non-variable rates (8.9% APR Platinum, 11.9% Classic)
    to add Credit Life and Disability Insurance from Wings Financial.                   • No annual fees
                                                                                        • No balance transfer fees
                                                                                        • No cash advance fees



9                                                                                                                                                              10
     BRANCHES & ATMS                                                          Wings Branch Locations
                                                                              For maps, directions and to find the nearest branch/ATM near you,
     Around the metro, across the country.
                                                                              visit wingsfinancial.com.
     One exciting benefit of the City-County/Wings Financial merger is the
     expanded access you will now enjoy at branch offices and ATM locations
     throughout the Twin Cities and nationwide, effective May 3, 2011.
        • 14 Twin Cities-area branches; 10 additional locations
          across the U.S.*
        • 35 proprietary ATMs and hundreds of partner ATMs
          around the metro
        • Over 57,000 surcharge-free ATMs nationwide at convenient
          locations like Target, CVS, Walgreens, Costco and more. Look for
          this network logo:
                                                                                                Brooklyn Center




     Shared branching access                                                              Minnetonka
                                                                                                       Edina
                                                                                                                  MSP Airport
     will be discontinued effective April 15, 2011.


                      All branches will be closed
                 Saturday, April 30 — Monday, May 2,
                  to accommodate the systems conversion.
                    Electronic transactions and checks will be processed.
                                                                               Metro Branches:                                                            Nationwide Branches:

                                                                               Apple Valley                                     Edina                     California

     SAFE DEPOSIT BOXES                                                        14985 Glazier Avenue                             7300 France Ave S.,       San Francisco Int’l Airport




                                                                                                                                                                                              BRANCHES
                                                                                                                                                                                               & ATMS
                                                                               Apple Valley, MN                                 Ste. 115                  Florida
                                                                               Bloomington                                      Edina, MN                 Orlando Int’l Airport
     Several branch locations offer safe deposit box rental
                                                                               8801 34th Avenue S.                              Franklin Avenue           Georgia
     to protect your valuables against damage or loss.
                                                                               Bloomington, MN                                  913 E. Franklin Avenue    Near Atlanta Int’l Airport
        • Secure, vault-protected storage                                      Brooklyn Center                                  Minneapolis, MN           Hawaii
                                                                               6160 Summit Drive                                Government Center         Honolulu Int’l Airport
        • Controlled access
                                                                               Brooklyn Center, MN                              302 S. Sixth Street       Michigan
        • A variety of sizes                                                   Central Avenue                                   Minneapolis, MN           Detroit Metro Airport; Romulus
        • Low annual rental fees – Fees have been reduced                      3651 Central Avenue NE                           Minnetonka                Minnesota
                                                                               Minneapolis, MN                                  11110 Greenbrier Road     Delta Reservations Center*
          to reflect Wings’ annual rental fees
                                                                                                                                Minnetonka, MN            Chisholm
                                                                               Chicago Avenue
     Available at: Atlanta, Apple Valley, Bloomington, Brooklyn Center,        4701 Chicago Avenue                              MSP Airport               New York
                                                                               Minneapolis, MN                                  HUB Transportation Bldg   JFK Int’l Airport
     Central Avenue, Chicago Avenue, Eagan, Edina, Franklin Avenue and
                                                                               Delta Air Lines Building C*                      Near Light Rail Stop,     Tennessee
     Minnetonka branches                                                                                                        2nd Floor                 Memphis Int’l Airport
                                                                               7500 Airline Drive
                                                                               Minneapolis, MN                                  MSP Airport*              Washington
     Other branch services include:                                            Eagan                                            Concourse F – Below       Seattle/Tacoma Int’l Airport

                                                                               3240 Denmark Avenue                              Gate F5
        • Notary services       • Cashier’s checks
                                                                               Eagan, MN                                        St. Paul
        • Visa gift cards       • Traveler’s cheques                                                                            1804 7th Street West
                                                                                                                                St. Paul, MN

                                                                              * Some branches may have restricted access, with company or airport
                                                                                employee identification required.
11                                                                                                                                                                                       12
                                                                                                     During the system transfer,
     ACCESS OPTIONS                                                                          most electronic systems will be unavailable
     Easy every day.                                                                                   from April 30 — May 2.
     Because Wings and City-County use the same online banking service            CITY-COUNTY               WINGS FINANCIAL                    IMPORTANT NOTES!
     provider, most services should integrate seamlessly and feel very
     familiar to you.                                                             CU@Home Internet Branch CU Online                            On May 3, the City-County
                                                                                                          www.wingsfinancial.com               web site will be automatically
                                                                                                                                               re-directed to the Wings
     Online bill payment payees and payments will                                                                                              Financial site.
     transfer automatically. Wings Bill Payer service is free when you                                                                         Login using your new Wings ID
                                                                                                                                               # (3+CCFCU Member Number)
     make a minimum of three payments per month (this requirement will be                                                                      and existing password.
     waived for the first 3 months). The payment date you select is the date                                                                   See enclosed insert for more details.

     your account will be debited and funds will arrive at the biller.            Contact Center            Member Services                    Central CCFCU phone numbers
                                                                                  763 549-6000              1 800 692-2274                     will be redirected to Wings
     As a Wings member, you will enjoy flexible options for accessing and         800 642-2328              952 997-8000                       Member Services. For the first
                                                                                                                                               month after conversion, call
     managing your accounts.                                                                                                                   the CCFCU numbers to reach
                                                                                                                                               employees specially trained to
          • Do virtually anything you could at a branch via CU Online                                                                          answer merger questions.

          • Deposit checks online and get instant funds access                    Online Bill Pay           Bill Payer                         The payment date you select is
                                                                                                            Payees and payments                the date your account will be
            with Remote Deposit                                                   All payments scheduled                                       debited and funds will arrive at
                                                                                  through April 28          will transfer to Wings’            the biller.
          • Enhanced Mobile Banking with apps for iPhone,                         will be processed by      Bill Payer system and
                                                                                  City-County’s             be available May 3.                Note, Bill Payer is free if you
            Android & Blackberry (Note, you will need to download a new app)      Bill Pay system.                                             make 3 or more payments per
                                                                                                                                               month (waived for the first 3
            Or access mobile.wingsfinancial.com                                                                                                months after merger)
          • 57,000 surcharge-free ATMs nationwide
                                                                                  CCFCU Mobile Banking      Wings Mobile Banking               Apps available for iPhone,
          • 24-hour CU PAL phone banking                                                                                                       Blackberry and Android
                                                                                                                                               platforms. Members will need
     Direct deposits will continue; however, subsequent electronic                                                                             to download the new app
                                                                                                                                               Or access
     payroll distributions to other accounts will be discontinued (except for                                                                  mobile.wingsfinancial.com
     City of Minneapolis employees). To set up payments and transfers,
                                                                                  Statements, eStatements   Monthly or quarterly               All members will receive a
     log into CU Online and select “Transfer Funds” or “Bill Payer.” Or call us                             statements;                        comprehensive account
     for assistance.                                                                                        Paperless e-Statements             statement at least quarterly.
                                                                                                            option for deposit                 Members with checking
                                                                                                            and credit card accounts           accounts, accounts with
     Protecting your privacy. Wings’ privacy policy ensures that                                                                               electronic funds transfers,
                                                                                                                                               or open-ended loans will
     we will not share your personal information with third parties.                                                                           receive monthly statements.




                                                                                                                                                                                            OPTIONS
                                                                                                                                               Statements will only be




                                                                                                                                                                                            ACCESS
                                                                                                                                               addressed to the primary
        MORE INFO...                                                                                                                           owner.
                                                                                                                                               For members with a checking
                                                                                                                                               account or a loan, statement
                                                                                                                                               cycles will end on the 21st of
         Pg. 11                                                                                                                                each month.

                                                                                  Call 24                   CU PAL (Phone Access Line) Available 24 hours
                                                                                                            1 888 MY CU PAL (692-8725) Login using your new Wings ID
                                                                                                                                               # (3+CCFCU Member Number)
                                                                                                                                               and the same PIN as Call 24.




                                                                                                            * Some branches may have restricted access,
                                                                                                              with company or airport employee identification required.

13                                                                                                                                                                                     14
     YOUR STATEMENT
     Convenient options for monitoring account activity.

     You will continue to receive a combined statement showing all your
     credit union accounts together. Note that Wings statements are only
     addressed to the primary account owner; this does not reflect a change
     in ownership.
     All members will receive a statement at least quarterly; members
     with checking accounts, accounts with electronic funds transfers
     (Reg E activity) or open-ended loans will receive monthly statements.



                      IMPORTANT: Account History
                We are unable to convert City-County transaction
                history directly to your CU Online activity. However,
                you can always access one full year of account
                history if you sign up for eStatements (details below).



     Change in account identification. Your accounts will now be
     identified by the entire account number, rather than account suffixes.

     Statement cycles. If you have a checking account or loan,
     your statement cycle will be from the 21st to the 21st of each month.
     Quarterly statement cutoff is on the calendar month-end. Reg D
     activity (federal limits on automatic transfers from share accounts)
     will be tracked based on statement cycle, rather than calendar month.

     e-Statements. For your convenience, Wings Financial also offers
     paperless e-Statements. To sign up for e-Statements on your deposit
     accounts and consumer loans, log into CU Online and select
     “e-Statements” from the left-hand menu.

     To choose e-Statements for credit card accounts, log into CU Online
     and select your credit card account (under “Loans”).                     • Statement will be monthly or quarterly, depending on accounts
                                                                              • Statement is addressed only to primary owner
                                                                              • Combined statement shows all credit union accounts




                                                                                                                                                      STATEMENTS
       MORE INFO...
                                                                              • At quarter-end, statement will show Signature Rewards earnings
                                                                                for participating members

        Pg. 8




15                                                                                                                                               16
     WINGS FINANCIAL ADVISORS                                                                NOTES:
     Professional advice to secure your future.

     Just as you did at City-County, you will have access to
     professional investment planning and advice at your credit
     union through Wings Financial Advisors. Licensed financial
     advisors can help you with:

           • Investments and financial planning
           • Online brokerage services through MEMBERS
             Financial Network
           • Insurance products and services
           • Tax planning and advice
           • Educational workshops
           • Discount auto buying through AutoAdvantage®

     To learn more or schedule an appointment, call 952 997-8076
     or 1 800 692-2274, option 8, ext. 8076.




     Wings Financial Advisors, LLC, a wholly owned subsidiary of Wings Financial
     Credit Union, exists to provide members with investment services, financial
     planning, insurance options and other services not traditionally offered by
     credit unions. Representatives are registered through, securities are sold, and
     investment advisory services offered through, CUNA Brokerage Services, Inc.
     (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor,
     2000 Heritage Way, Waverly, Iowa 50677, toll-free (866) 512-6109. Nondeposit
     investment and insurance products are not federally insured, involve investment




                                                                                                           FINANCIAL
                                                                                                           ADVISORS
     risk, may lose value and are not obligations of or guaranteed by the financial insti-
     tution. CBSI is under contract with the financial institution, through the financial
     services program, to make securities available to members. CBSI is a registered
     broker/dealer in all fifty states of the United States of America.
17                                                                                                    18

				
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