1. The Credit Union Difference  Eligibility  Advantages  Products & Services

2. Membership—Who can Join?  Live or work in select counties  MO – Clay, Jackson, Platte, St. Charles  KS – Douglas, Johnson, Jefferson, Leavenworth, Miami, Shawnee, Wyandotte  Select Employee Groups  Family Eligibility

3. Credit Union Advantages We start where banking stops!  Not for Profit, Member-Owned  Ownership Participation Dividend  Governed by Volunteer Board of Directors  Lower fees, lower loan rates, higher deposit rates

4. Products & Services Full-Service Financial Institution  Checking  Savings  Money Markets  CDs  Loans  Financial Coaching  Financial Planning Services Convenience  32 Branches (KC Metro, St. Louis, Topeka)  28,000 ATMs Nationwide—surcharge free  Online Banking, Mobile Banking

5. CACU Mortgage Differences  Pricing Advantages  Product Advantages  “Blitz” Product

6. CACU Mortgage Pricing Advantages - #1 90 Day Lock N Shop Program Lock your rate for 90 days while you shop for a home! Do not need a property address to lock. Free.125 rate float down within 30 days of closing.

7. CACU Mortgage Pricing Advantages - #2 Extended Lock Programs –Lock today’s rate for 6 months for.75 in price. –Lock today’s rate for 7 months for 1.00 in price. –Free float down up to.125 in rate within 30 days of closing. –Lower PMI than commercial banks – examples will be provided.

8. CACU Mortgage Product Advantages Combo Loans –80/15/5 up to $417K total loan amount; 80/10/10 up to sales price of $950K Jumbo Loans –Add.75 to conforming rates. Also have the ability to do a 80/10/10 combo up to $950K. Bridge Loans –Allows you to purchase new home without selling existing. USDA MHDC Loans –No down payment program for Missouri properties

9. CACU Mortgage Product Advantages, cont. Bi-Weekly Payments “Blitz Program” –New program designed to accommodate the “rush” purchase. Big banks are not set up to easily accommodate a purchase transaction to close within as little as 7 days, but we have set up a new process that will allow for these “rushes”