W elcom e to the 2020 Annual Meeting The m eeting w ill begin at - - PowerPoint PPT Presentation

W elcom e to the 2020 Annual Meeting

▪ The m eeting w ill begin at 7:00 p.m . ▪ Attendees w ill be on m ute during the entirety of the m eeting ▪ To subm it questions and m otions, please use the chat function-these w ill be subm itted to our m eeting m oderator ▪ Any questions and m otions w ill be read aloud by the m eeting m oderator ▪ To cast your vote on m otions, please use the polling function w hen it is presented ▪ Attendance prizes w ill be aw arded after the m eeting from a random draw ing of m em bers attending tonight. W inners w ill be notified by em ail on W ednesday, May 20

Call to Order Jim Mullineaux Declare Quorum Jim Mullineaux Recognition of Officials Jim Mullineaux Recognition of Staff Jim Struble Approval of 201 9 Meeting Minutes Shelby Edw ards Report s Board Chair Jim Mullineaux Treasurer Dave DeW eese President Jim Struble Credit Manager Jim Struble Supervisory Com m ittee Tom Glenn Nom inating Com m ittee Dave DeW eese New Business Pow er of Com m unity Grant Recipients Jim Struble Ashley Keegan Edw ard G. Halliburton Scholarship Jim Mullineaux 2020 Plans & Projects Jim Struble Attendance Prizes Bill Em erson Adjournm ent

A G E N D A

Board Mem bers & Volunteers

Executive Com m ittee Jim Mullineaux, Chair Jessica Young, Vice Chair Dave DeW eese, Treasurer Shelby Edw ards, Secretary Directors W ilbon Cooper Michael Knott Jam es Telthorst Ken Takaidza Dave Meglio Supervisory Com m ittee Tom Glenn, Chair Kevin DeGraw Jason Pilarski Associate Com m ittee Allison Lageose Anthony French Directors Em eritus Robert Bailey How ard Hoem ann

Director-Shelby Edw ards

▪ Elected to the Board of Directors in 201 4 ▪ Executive Com m ittee 201 8-201 9 ▪ Served as Board Secretary ▪ ALCO Com m ittee 201 5-201 8 ▪ Served as Chair 201 7-201 8 ▪ Scholarship Com m ittee 201 6-201 7 ▪ Service Delivery & Building Com m ittee 201 4-201 7

Managem ent

Jim Struble, President & CEO Pat Larson, Executive Assistant Bill Em erson, VP eCom m erce Lisa Farnen, VP Brand Eric Hardm an, VP Finance Ashley Keegan, VP People Jennifer Carter, AVP Mem ber Experience Ashlie Colbert, AVP Retail Services Barry Jones, AVP Lending

Approval of the 201 9 Annual Meeting Minutes Please use the chat function to subm it a m otion and a second to dispense reading the m inutes and approve the 201 9 Annual Meeting Minutes Please use the poll function to vote Yes or No to approve the m inutes from the 201 9 Annual Meeting

201 9 Annual Meeting Minutes

Board Chair Report- Jim Mullineaux

▪ Com m itted to ▪ Save-to-W in accounts ▪ 349 Save-to-W in accounts opened in the first year ▪ Kasasa Checking grow th ▪ End of 201 9-1 ,1 38 Kasasa Checking accounts ▪ Participation grew by 969 accounts ▪ Mem ber Grow th ▪ End of 201 9-1 8,637 m em bers ▪ Gained 91 0 m em bers in 201 9

Board Treasurer Report- Dave DeW eese

▪ Assets $1 76.7M up 5.08% ▪ Mem ber Deposits $1 54.2M up 7.26% ▪ 37 Save-to-W in m em bers w on a com bined $2,975 ▪ $66,987 in Kasasa Rew ards & $1 4,869 in Kasasa ATM Fee Refunds ▪ 1 5 Hom es for Heroes Hom e Loans for $3.2M ▪ Rew arding local heroes w ith $7k in closing cost credits

• Jim Struble

▪ Pow er of You ▪ 29 ideas subm itted ▪ 5 ideas im plem ented ▪ $45K estim ated savings ▪ Com m unity Engagem ent ▪ 262.5 em ployee volunteer hours ▪ $1 2K donated to com m unity organizations and causes ▪ Best of Maryland Heights Aw ard ▪ Professional Developm ent Aw ards ▪ Tinesha Tyler ▪ Barry Jones ▪ Laura Mugge ▪ Ashlie Colbert ▪ Stephanie Arm as ▪ CUNA HR Council Aw ard ▪ CUNA Marketing Council Aw ards ▪ CUNA Desjardins Aw ard ▪

• St. Louis Business Journal HR Aw ard

▪

• St. Louis Business Journal 1

00 Top Business Leaders-Pat Pettey

Credit Manager Report- Jim Struble

▪ Loan portfolio increased by $1 4.3M up 1 0.7% ▪ Loan to Share Ratio 92.4% up from 88.8% ▪ Mem ber Loans $1 38.5M up by 1 2.02% ▪ Average Loan Yield 5.2% up from 4.8% ▪ Delinquency 0.69% up from 0.62% ▪ Net Charge-Offs $491 K dow n by 46%

Supervisory Chair Report - Tom Glenn

▪ $1 .3 M paid to m em bers in dividends up 68% ▪ Total Incom e $9.9M up 1 1 % ▪ Total Expenses $9.2M up 9% ▪ Net Incom e $707K up 42%

Approval of the 201 9 Annual Reports Please use the chat function to subm it a m otion and second to approve the 201 9 Board and Managem ent Reports Please use the poll function to vote Yes or No to approve the 201 9 Board and Managem ent Reports

201 9 Annual Reports

Nom inating Com m ittee- Dave DeW eese

Applicants for three open board positions W ilbon Cooper, incum bent Jam es Mullineaux, incum bent Alan Raym ond Approval of Board candidates by acclam ation Please use the chat function to subm it a m otion and second to approve the 201 9 Board candidates Please use the poll function to vote Yes or No to approve the 201 9 Board candidates

Pow er of Com m unity

2020 Pow er of Com m unity Recipient

Youth Be Heard-East St. Louis

• Sr. High School

▪ Strength-based w riting program for teens ▪ Increases youth self-w orth ▪ Prom otes positive belief in their ow n value and potential ▪ Cognitively restructures negativity to creative expression

2020 Pow er of Com m unity Recipient

Unity Center- Southeast Ferguson Com m unity Association

▪ Create a positive and trusted environm ent to learn ▪ Teach healthy life skills and habits ▪ Free resources to low -incom e residents ▪ Com puter lab, self-study lounge, w orkshops and a teachable kitchen ▪ Childcare w hile parents learn

2020 Pow er of Com m unity Recipient

Com m unity Garden- Southeast Ferguson Adopt-a-Block

▪ Fresh, safe and affordable herbs, fruits and vegetables ▪ Com m unity volunteer gardeners ▪ Encourages physical activity ▪ Increase general sense of w ell-being ▪ Sense of com m unity belonging

Diane Pow ers Thank you for your 34 years of service

W innie the Pooh

Edw ard G. Halliburton Scholarship

Honoring Edw ard G. Halliburton, a Board of Directors for over 40 years. us this evening. Thank you for sharing your father w ith us for so m any years.

2020 Scholarship Recipient

Adam Boll

▪

• St. Louis University High

▪ 34 on ACT / 4.1 7 GPA on 4.30 scale ▪ Attending University of Missouri-Colum bia ▪ 4-year First Honor Roll & National Honor Society ▪ SLUH & Club Soccer ▪ Medical Careers Club ▪ Volunteer w ork w ith Cam p Independence and Vacation Bible School ▪ 4 th fam ily m em ber to receive Halliburton Scholarship ▪ Son of David and Elizabeth Boll

2020 Scholarship Recipient

Isaiah Mays

▪ Parkw ay North High School ▪ 33 on ACT / 4.457 GPA on 5.0 scale ▪ Studying Aerospace Engineering at Illinois Institute of Technology ▪ National Honor Society & 3-Year ▪ International Thespian Society & 3-Term Student Body President ▪ Safe and Drug-Free Program Board Mem ber ▪ Student Board Mem ber of St. Louis Federal Reserve Bank ▪ Son of Talea Jones

2020 Scholarship Recipient

Max W asserstrom

▪ Ladue Horton W atkins High School ▪ 33 on ACT / 3.98 GPA on 4.0 scale ▪ Attending Northeastern University ▪ Studying Ecology and Evolutionary Biology at Northeastern University ▪ National Honor Society & AP Scholar ▪ 3-Tim e Ladue All-Academ ic Athletics Aw ard W inner ▪ Ladue Cross Country & Track and Field ▪ Ladue Robotics Team & Founder of STEM $ells Think Tank ▪ Volunteer w ork w ith Operation Food Search, St. Louis County Anim al Adoption Center & Special Olym pics ▪ Son of Scott and Beth W asserstrom

2020 Plans & Projects- Jim Struble

▪ Becom e heroes to our com m unities ▪ Connect w ith m em bers from their living room s ▪ Make drastic changes to the Mem ber Journey ▪ Show our staff w e care for them and their fam ilies in w ays w e never have

▪ 5-$25 gift cards ▪ Random draw ing ▪

P R I Z E S

2020 Annual Meeting

This concludes our Annual Meeting, thank you for joining us this evening. If you have any questions, please use the chat function to subm it them . Adjournm ent Please use the chat function to subm it a m otion and second to approve the adjournm ent of the 2020 Annual Meeting Please use the poll function to vote Yes or No to approve the adjournm ent of the 2020 Annual Meeting