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PRESIDENT’S COLUMN

We had a great 2017 atNeighbors Credit Union, andin early 2018, we will expandfor the second year in a row!To better serve our communi-ty, we will open our newestbranch at 14422 ManchesterRd. in Manchester by February – our 10th in the St. Louis area! Like our Ellisville, St. Peters and South County branches, our Manchester location will feature ourfull-service Personal Teller ITMs, giving usanother location to serve you Mondaythrough Saturday from 9 a.m. to 7 p.m.

The Manchester branch will offer the sameexcellent products and services that membershave come to expect from Neighbors CreditUnion’s other nine branches. Our manage-ment team, staff and board of directors arevery excited about this new location.

In addition to the new branch, we have beenmaking new enhancements to our accountopening with the introduction of ClickSwitch,which makes moving your checking accountto Neighbors a breeze. We are also stream-lining our loan application processes withless paperwork and quicker responses.

On Jan. 17, 2018, Neighbors’ online bankingplatform FinanceWorks will be phased intothe new Money Management program.Regarded as one of the best digital moneymanagement solutions in the industry, MoneyManagement brings a higher quality to all levels of viewing, tracking and budgeting yourfinances online.

Please check our website and social mediapages for the latest details on our Manchesterbranch, and all our other enhancements. Weare thrilled to continue to grow and betterserve the St. Louis community!

John ServosPresident & CEO

QUARTERLY NEWSLETTER WINTER 2018

SPEND TOO MUCH LAST HOLIDAY SEASON?

OUR VISA PLATINUM CREDIT CARDS OFFER LOW

RATES AND NO BALANCE TRANSFER FEES!

Has the aftermath of the holidays left you with sticker shock? Avoid the stress andtransfer existing credit card balances to a lower rate, thanks to your Neighbors.With our Visa® Platinum Breeze or Visa Platinum Rewards credit cards, you’ll enjoyno balance transfer fee and a low introductory rate of 2.99% APR!1

Don’t have one of our credit cards? Our Visa Platinum Breeze credit card has arate as low as 7.95% APR!1 This card is perfect for the consumer who values a

low rate. If you prefer earning rewards,our Visa Platinum Rewards credit card features great gift card, travel and merchandise rewards. You’ll earn onepoint for every dollar you spend, so thepoints can really add up.

Regardless of which card you choose,you’ll enjoy:

• No balance transfer fee.2

• No annual or monthly fees.

• The option to add a personal photo on your card.3

• And more!

Transfer your balances today! Contact ustoday, or visit NeighborsCU.org to apply.

1APR=Annual Percentage Rate. Rates and terms are subject to change and credit qualifications, as well as other factors. Balancetransfers and cash advances completed 1/1/18 through 2/25/18 will receive a 2.99% APR for 12 months. After 12 months, remain-ing balances will migrate to the standard APR applicable on your account. If you are charged interest, the charge will be no less than$1.00. Valid only on Breeze and Rewards credit cards. 2No-balance-transfer-fee offer valid 1/1/18 through 2/25/18. Not valid on balance transfers between Neighbors Credit Union credit cards. 3Photo cards have a $9.95 production fee.Membership eligibility required on all offers. Restrictions apply on all offers. See Neighbors Credit Union for full details on all offers.

MEMBERS RECEIVE SPECIAL DIVIDEND As a thank you for your membership, we shared approximately $213,000 in the form of a special dividend that has been paid on regular savings (share)accounts. Members may have noticed the higher dividend on their statementssent out earlier this month. In fact, the resulting APY for this dividend post-ing is 1.15% APY4 – one percent over our regular 0.15% APY! We hope youfind comfort knowing there is still a safe place for your funds, as well as atrusted neighbor to look after you. From all of us at Neighbors Credit Union,we wish you and your family the very best for the new year.4APY=Annual Percentage Yield. Fees could reduce earnings on account. Restrictions apply. See Neighbors Credit Union for fulldetails.

WHERE THE GRASS IS GREENER

PINLESS DEBIT TRANSACTION DISCLOSURE

Your Visa debit card allows you to conduct transactions on the CO-OP, INTERLINK, NYCE orPLUS networks. Some merchants are authorizedto accept non-Visa debit transactions withoutrequiring you to enter your PIN. If you choose to sign to authorize a debit transaction, the transaction will be routed as a Visa transaction.Provisions of your cardholder agreement thatspecifically relate to Visa transactions are inapplicable to non-Visa transactions. Forinstance, a non-Visa debit transaction will notprovide Visa’s Zero Liability Protection benefit.

HOLIDAY CLOSING

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If you enjoy all the perks of Neighbors Credit Union membership –great rates, low or no fees and convenient services – why not spreadthe word? Tell everyone about us and send them our way!

We’ll thank you and your referral with $25 when you share the benefits of membership!8

Visit NeighborsCU.org for details and referral forms!8Membership eligibility required. Restrictions apply. New member must present flyer and open a new checkingaccount with direct deposit and eStatements and/or a loan or credit card with at least a $5,000 balance within 90days. Cash bonus will be paid within 90 days of loan closing and/or checking account opening with direct depositand eStatements. Direct deposit and eStatements must be active within 90 days from time of checking accountopening and is subject to 1099 reporting. Offer valid for a limited time only. Restrictions apply. See NeighborsCredit Union for full details.

MAIN STREET $2,500TRIP VOUCHER WINNER

At the annual Main Street holiday party, Charles Moody’sname was randomly drawn towin the annual $2,500 tripgive away. Congratulations toCharles, and happy traveling!

Not a Main Street member? You need to be age50 or older, have a checking account withdirect deposit and have a combined deposit balance of at least $5,000 in Neighbors CreditUnion accounts. If you meet these qualifica-tions and would like to join the club, contactBrian at 314-892-5400, ext. 12024 today.

CAMP CASH HOLIDAYBASKET WINNERS

In December, for every $10 Camp Cash membersdeposited, they received anentry to win one of our holiday baskets brimmingwith toys! Congratulations to all the winners:

Akoi C.Ace H.Da’Nylah H.

Danlia H.Addison M.TaMauree M.

Nylah S.John Z.

NEIGHBORS MEETS YOURNEEDS FOR 2018

WITH OUR HOME EQUITY LINE OF CREDIT Whether it's a list of home repairs, planning a vacation, coordinatinga wedding or paying college tuition, you can use your home's equityto fund the expenses in your life.

In addition to one-year introductory rates as low as 2.95% APR5 andno closing costs6, you’ll enjoy:

• The flexibility to borrow funds when needed.• No appraisal or balance transfer fees.• No sudden jumps in monthly payments.• Preapproval and fast turnaround time.

Neighbors is not for profit, which gives us the freedom to do what'sright for you. Rest easy knowing your loan is with someone you cantrust to act in your best interest. See the difference your Neighborscan make – visit NeighborsCU.org to apply!5APR=Annual Percentage Rate. Rates are variable and accurate as of 01/01/2018. Introductory rate is applicablefor first year of loan. Rate is subject to change and credit qualifications. No additional discounts. Had there notbeen a rate discount, the applicable rate would have been 4.25% APR. The APR will adjust annually during the lifeof the loan based on the Prime Rate published in The Wall Street Journal, plus a margin based on creditworthiness.Maximum APR is 15.0%. 6If loan is paid off and closed within 24 months from opening of loan, member mustreimburse the credit union for fees paid. Not valid for existing Neighbors HELOCs. Other rates and terms available.Cannot be combined with any other offers. Membership eligibility required. Restrictions apply. See Neighbors Credit Union for full details.

Presidents Day – Monday, Feb. 19

Check NeighborsCU.org for the latest winter weather closings.

ABOUTUS!Tell A Friend

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NEIGHBORS MEMBERS GETEXCLUSIVE DISCOUNTS

FROM LOVE MY CREDIT UNION REWARDSEveryone loves to save, especially on products and services you use every day.That's what Love My Credit Union Rewards is all about. Members have saved nearly$2 billion in discounts from valued partners through Love My Credit UnionRewards. You can save too with valuable discounts from these partners:

• $100 cash reward with every new line activated with Sprint! Current customers will receive a $50 cash reward for every line transferred into Sprint’s Credit UnionMember Cash Rewards. Plus, get a $50 loyalty cash reward every year for every line.7

• Save up to $15 on TurboTax federal products!

• Get an exclusive smoke communicator and a $100 gift card with a new ADT monitored home security system. Call 844-703-0123 to activate this special offer.

• Get trusted protection at true savings with the TruStage Auto & HomeInsurance Program.

• Shop and get cash back at over 1,500 online retailers with Love to Shop

To find out more and learn about other valuable discounts, visit NeighborsCU.org orLoveMyCreditUnion.org. You get all these offers and discounts just for being amember of Neighbors Credit Union. 7Activ. Fee: Up to $30/line. Credit approval req. Sprint Credit Union Member Cash Rewards Offer: Offer Ends 12/31/2018. Avail. for eligi-ble credit union members and member employees (ongoing verification). Tax ID req. to establish business acct. Switch to Sprint andreceive a $100 cash reward for each new smartphone line activation. Reqs. port-in from an active number (wireless or landline). Existingcustomers receive a $100 cash reward for each new smartphone line activation and/or a $50 cash reward for each smartphone line trans-ferred to program. New lines req. activation at point of sale. Max 15 lines. Sprint acct must remain active and in good standing for 31 daysto receive Cash Reward. Excludes MBB devices, tablets and Sprint Phone Connect, upgrades, replacements and ports made between Sprintentities or providers associated with Sprint (i.e. Virgin Mobile USA, Boost Mobile, Common Cents Mobile and Assurance.) May not be com-binable with other offers. $50 Loyalty Cash Reward: Members can earn one $50 cash reward annually when Sprint acct remains active andin good standing for 1 year. Max 15 lines. Cash Reward: Cash Reward issued by CU Solutions Group. Allow 6-8 wks for Cash Reward to bedeposited to your Credit Union account. If the Cash Reward does not appear after 8 wks, visit lovemycreditunion.org/sprintrewards. OtherTerms: Offers/coverage not avail. everywhere or for all phones/networks. May not be combinable with other offers. Offer, terms, restrictions,and options subject to change and may be modified, discontinued, or terminated at any time without notice. Restrictions apply. © 2016Sprint. All rights reserved. Sprint and the logo are trademarks of Sprint. Other marks are the property of their respective owners.

PROTECTING YOUR PASSWORDS

1. Make it random, and use variations. a. To create a strong password, simply choose three randomwords.

b. Choose a password with at leasteight characters.

c. Use a line of a song that otherpeople would not associate with you.

d.Use someone else's mother'smaiden name (not your ownmother's maiden name).

e. Pick a phrase known to you, for example ‘Can never have toomuch Cardinals baseball’, anduse the first character of eachword to get ‘cnhtmcb.’

2. Never use the following as passwords:a. Your username, actual name orbusiness name.

b. Family members’ or pets’ names.c. Your or family birthdays.d. Favorite team or other words easy to work out with a littlebackground knowledge.

e. The word ‘password’.f. Numerical sequences.g. A single commonplace dictionaryword.

h.When choosing numerical passcodes or PINs, do not useascending or descending numbers,duplicated numbers or easily recognizable keypad patterns.

Courtesy of GetSafeOnline.org

The following information pertainingto debit cards is added to theElectronic Fund Transfers Agreementand Disclosure that was previouslyprovided to you:

Card Information Updates andAuthorizations. If you have author-ized a merchant to bill charges toyour card on a recurring basis, it isyour responsibility to notify the merchant in the event your card isreplaced, your card information(such as card number and expirationdate) changes, or the account associated with your card is closed.However, if your card is replaced orcard information changes, youauthorize us, without obligation onour part, to provide the updated card information to the merchant inorder to permit the merchant to billrecurring charges to the card. Youauthorize us to apply such recurringcharges to the card until you notifyus that you have revoked authoriza-tion for the charges to your card.

Your card is automatically enrolled in an information updating service.Through this service, your updatedcard information (such as card number and expiration date) may beshared with participating merchantsto facilitate continued recurringcharges. Updates are not guaranteedbefore your next payment to a mer-chant is due. You are responsible for making direct payment untilrecurring charges resume. To revokeyour authorization allowing us to provide updated card information toa merchant, please contact us.

The terms of the Electronic FundTransfers Agreement and Disclosure(Agreement) are revised as describedabove. Please keep a copy of thisNotice with the Agreement. Exceptas set forth in this Notice, theAgreement is unaffected and shallcontinue in full force and effect inaccordance with its terms. If there is a conflict between this Notice and the Agreement, the terms of this Notice will prevail.

NOTICE OF CHANGE ELECTRONIC FUND TRANSFERSAGREEMENT & DISCLOSURE

PRSRT STDU.S. POSTAGE

PAIDST. LOUIS, MO

PERMIT NO. 175

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6300 South Lindbergh Blvd.

St. Louis, MO 63123

Downtown • Ellisville • Fenton

Florissant • Hazelwood • Jennings

Manchester

South County • St. Peters

314-892-5400

NeighborsCU.org

If you have any questions or commentsregarding the credit union, or if you’dlike to apply to be on Neighbors CreditUnion’s Board of Directors, pleaseaddress your letter to the following:Supervisory Committee, P.O. Box270551, St. Louis, MO 63127-9804

INSIDE THIS ISSUESpend Too Much Last Holiday Season?........................1President’s Column........................................................1Members Receive Special Dividend ................................1Main Street and Camp Cash Winners..........................2Pinless Debit Transaction Disclosure..............................2Holiday Closing..........................................................2Neighbors Meets Your Needs In 2018..........................2Tell A Friend About Us!..............................................2Protecting Your Passwords ............................................3Neighbors Members Get Exclusive Discounts................3Notice Of Change......................................................3Choose Benefits Checking..........................................4

JAN18/17-429TP

Federally InsuredBy NCUA

CHOOSE BENEFITS CHECKINGOur Benefits Checking account features many unique advantages, earns you interest, and there are no minimum balance requirements or per-check fees.9

Take advantage of the special services:

• IDProtect® – identity theft monitoring and resolution service10

• Up to $10,000 of 24-hour Accidental Death & Dismemberment Insurance11

• Up to $100,000 of Common Carrier Coverage11

• Cellular Telephone Protection11 (Cellular telephone billmust be paid through this Benefits Checking account.)

• Travel and Leisure Discount Membership

• Health Discount Savings – enjoy savings on vision, prescriptions (This is NOT insurance.)

• $hopping Rewards™

• Cash Back Member Rewards12

• Gas and Gift Card Discounts12

Visit one of our branches and open yourBenefits Checking Account today! Have questions? Call 314-892-5400 or email us.

9There is a $5 monthly fee for this account. 10IDProtect service is a personal identity theft protection service available to account owner(s)and their joint account holders. The service is available to non-publicly traded businesses and their business owner(s) listed on the account(service not available to employees or authorized signers who are not owners). Service is not available to a “signer” on the account who isnot an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and employees/students.For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s). For allother fiduciary accounts, the service covers the beneficiary, who must be the primary member (Fiduciary is not covered). 11SpecialInsurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through thecompany named on the certificate of insurance. Guide to Benefits is provided at time of account opening. 12Terms and conditions apply.

WINTER 2018COMINGSOON