ConnectionsFINANCIAL NEWS YOU CAN USE

ArticlesResolutions: Member Review

Ahoy, Booty!$300,000 Returned to Members

A Year in ReviewLets recap 2011

Calling all MembersBecome a Marketing tester

2012 Board Nominations

FIRST QUARTER 2012 VOLUME EIGHT NUMBER ONE

Its Worth the Effort.

Events

ClosuresNew Years (observed)

Monday, January 2

Martin Luther King Jr. DayMonday, January 16

Presidents DayMonday, February 20

MoneyTalks: uACCOUNTS & CollegeWednesday, February 15 from 5-6 PM

MoneyTalks: Wills, Deeds & InvestmentsWednesday, February 29 from 4-6 PM

Privacy PolicyWhat you need to know for 2012

Ahoy, Booty!Another Member Bonus means more money returned to our members.

This year, Community Financial Credit Union has the great pleasure of returning a chunk of our yearly earnings back to our most loyal mem-bers in the form of a Member Bonus.

How much, you ask? To be specific, we are returning $300,000 to our Gold and Platinum members.

The HistorySince our Member Bonus program started in 2008, we have returned more have $1.2 Mil-lion to our most loyal members. The program began as a way to reward Credit Union en-gagement and continues to be a great way to give back to our committed members.

The CalculationSo, how does this all work? Well, we have de-veloped a fancy calculation to determine Mem-ber Bonus amounts. The Member Bonus is

calculated based on the amount of interest and divi-dends earned on deposit accounts, as well as the inter-est a member paid on loans. The total amount is split between interest earned and interest paid.

The final calculation is:100% of interest or dividends earned on Share Savings, Secondary Share Savings, Money Man-ager, Holiday Club (discontinued as of November, 2011), Share Draft (checking) and other deposit accounts;

10% of interest or dividends earned on all types of Share Certificates of Deposit;

10% of interest paid on all loans, with the excep-tion of Commercial Loans.

This year, many members are eligible for upwards of a $1,000 Member Bonus! Thank you to to all of our members who consciously engaged with the Credit Union this year. We appreciate all of your support and cooperation.

6850 W. 119th Avenue Broomfield, CO 80020

ResolutionsAs your pants start to loosen after the Season of Eating and your wallet wilts from overuse, it is a great time to start planning your finances for the new year.

Make one New Years Resolution to arrange a Member Review with a Financial Specialist. We have the tools and experience to get you on track for a successful financial year.

Contact us at 303.469.5366 to schedule an appointment.

FIRST QUARTER 2012 VOLUME EIGHT NUMBER ONE

Contact Us

Online Chat

Facebook.com/YourLocalCreditUnion

m.YourLocalCreditUnion.com

Community Financial Credit Union in App store

Available on website, Monday-Friday, 8AM-6PM

Mobile Banking

iPhone App

Facebook

Our Hours

Drive-up

Monday Friday, 9AM-6PM Saturday, 9AM-Noon

Monday Friday, 8AM-6PM

Monday Friday, 7:30AM-6PM Saturday, 9AM-Noon

Main Branch

Call Center

A Year in ReviewA recap of Branch, Community and Member changes from 2011.

This year was a big one for the Credit Union! Here is a brief overview of some notable dates from 2011:

February 22, 2011 We launched our new, improved website, complete with a clean look and easy navigation

March 1, 2011 We introduced our new Credit Card Rewards program and have steadily been adding new Credit Card users.

April 4, 2011 The new branch opened! This was a long time in the making and we are so pleased with the new space.

June 15, 2011 We awarded $1,500 to two deserving Scholarship Applicants, Danielle Bennett and David Schweger.

July, 2011 We hosted our seventh-annual Movies in the Park and only rescheduled one showing during this stormy summer month.

July 16, 2011 Member Appreciation Day produced an unexpected number of members. We nearly ran out of food!

October 14, 2011 We launched our new Online Chat to prepare for the influx of questions from the Online Banking conversion.

November 7, 2011 Launch of our new Online Bank-ing system! After much preparation, the launch was a great success with few member concerns.

December 1, 2011 Kara Sekavec, our resident Investment Planner, snagged the FIVE STAR: Best in Client Satisfaction Wealth ManagerSM for the third year in a row!

December 15, 2011 2012 Member Bonus an-nounced! We are returning $300,00 to our most loyal members.

In summary, 2011 was a great year for the Credit Union; we had a lot of notable events and we were able to do lots of good things for our members Greg Hill, President & CEO

www.YourLocalCreditUnion.com

By the Numbers At the end of October, November and December, Community Financial Credit Union awarded

$500 to a total of 3 members for their participation in the Search for Buried Treasure campaign.

Since September, participating Community Financial Staff members clocked nearly 515 hours of exercise.

In November, Community Financial staff helped build two local houses for Habitat for Humanity.

FIRST QUARTER 2012 VOLUME EIGHT NUMBER ONE

Calling all MembersBecome a Marketing Liaison in return for cash!

Looking for another way to participate with your Credit Union? Want to earn a little extra cash? Consider becoming a Community Finai-cial Credit Union Marketing Liaison!

In 2012, we are recruiting our members to be quarterly Marketing Liaisons to respond to and provide feedback about our Marketing materi-als. Simply put, we will send existing members postcards, letters and ideas before they are re-leased to the entire membership.

This program gives us an opportunity to connect directly with members and to ensure our mes-sages resonates with the population.

For your time, we will award you with a $100 gift card at the end of your designated quarter. Interested in par-ticipating? Send an email to Elise, our Marketing Spe-cialist, with your name, member number and reason for participating to eertel@yourlocalcreditunion.com or send you information to:

Community Financial Credit UnionMarketing Liaison Program

6855 W. 119th Ave. Broomfield, CO 80020

We are accepting applications from all members, be sure to contact us as soon as possible!

Board NominationsDo you have what it takes to be on the Community Finaicial Credit Union Board? We are currently seeking nominations for the annual Board of Directors elections. Interested members are asked to submit a letter of interest and a resume by January 31, 2012.

Please send all materials to the following address:Board of Directors Nominating Committee

Community Financial Credit Union6850 W. 119th AvenueBroomfield, CO 80020

2012 Privacy Policy NotificationFACTS

WHY?

WHAT?

HOW?

What does Community Financial Credit Union do with your personal information?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share and protect your personal information. Please read this notice carefully to understand what we do.

The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and income Account balance and payment history Credit history and credit scores

All financial companies need to share customers personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers personal information; the reasons Community Financial Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does Community Financial Credit Union share? Can you limit this sharing?

For everyday business purposes Such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

For marketing purposes to offer our products and services to you

For joint marketing with other financial companies

For our affiliates everyday business purposes information about your transactions and experiences

For our affiliates everyday business purposes information about your creditworthiness

For our affiliates to market to you

YES

YES

YES YES

NO

NO

NO

NO

NO

We dont share

We dont share

We dont share

Call 303.469.5366 Mail the form belowPlease note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Call 303.469.5366 or visit www.YourLocalCreditUnion.com

MAIL-IN FORM

CUT HERE

Name

Address

City, State, Zip

Mark if you want to limit:

Do not share my personal information for joint marketing purposes.

Mail to: Community Financial Credit Union 6855 W. 119th Avenue Broomfield, CO

TO LIMIT OUR SHARING

QUESTIONS?

Who we are

Who is providing this notice? Community Financial Credit Union

What we do

How does Community Financial Credit Union protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does Community Financial Credit Union collect my personal information?

We collect your personal information, for example, when you

Open an account or deposit money

Pay your bills or apply for a loan

Use your credit or debit card

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why cant I limit all sharing? Federal law gives you the right to limit only:

Sharing for affiliates everyday business purpose information about your creditworthiness

Affiliates from using your information to market to you

Sharing for non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

What happens when I limit sharing for a membership I hold jointly with someone else?

Your choices will apply to everyone on your membership.

Definitions

CUT HERE

Affiliates Companies related by common ownership or control. They can be financial and non-financial companies. Community Financial Credit Union has no affiliates

Non-Affiliates Community Financial Credit Union does not share with non-affiliates so they can market to you.

Joint Marketing Our joint marketing partners include: Affinion/Allied CUNA Mutual

MAIL-IN FORM (Back)

Mail to:Community Financial Credit Union6855 W. 119th AvenueBroomfield, CO 80020

Signature

FIRST QUARTER 2012 VOLUME EIGHT NUMBER ONE

Its Worth the Effort.