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1 Follow us on Facebook for special offers, upcoming events and prize give-aways! SEPTEMBER Money While Earning Chances to Win Cash Prizes!Team One wants to reward our members for saving more of their hard-earned money, and we can t think of a better way than with more cash. When you participate in Save to Win, every time you make a savings deposit of just $25, you ll be entered in the monthly and quarterly prize drawings and best of all, it s free! All of the money that piles up in your Save to Win account is yours to keep along with the interest you earned, so there s never been a better time to get the ball rolling on your savings plan. With nothing to lose and everything to win, it s time to Save to Township Branch Now Open!Team One Credit Union is pleased to announce that our newest branch located at 3120 South Boulevard in Bloomfield Township is now open. This full service branch includes Member Services, Commercial and Mortgage Services, Investment Services, and a 24 Hour drive up ATM.

2 We are excited to be a part of the Bloomfield Township community and look forward to providing the financial products and services local families and businesses need. Stop in to the Bloomfield Township branch during the month of September and enter to win 4 Detroit Lions tickets! Talk to a Team One member service representative to open your Save to Win account and start saving today. * Eligible products include: Active Debit Card with Checking Account, Active Visa Credit Card, a Consumer Loan, and/or Home Loan product (Mortgage or Home Equity Loan). For CD rate bonus, members will get .05% increase in their CD rate for each eligible product up to a maximum of .20%. Members that redeem 50,000 ScoreCard Reward Points, can receive an additional .25% increase on their CD rate. When redeeming ScoreCard Reward Points, the maximum amount eligible for CD rate bonus is $50,000 for 48 months. Contact Team One for complete the Relationship Rewards program, you ll automatically get up to a.

3 20% CD rate increase with 4 eligible products*!Your discount is based on the number of products you have with us, and the more you do, the more that you can earn or up to a .20% rate increase on a new CD or up to 1% rate reduction on a new qualifying loan*.Have a CD at Team One already? You will automatically receive a CD rate increase based on the eligible products* that you have when your current CD renews. Take advantage of your Relationship Rewards today!IMPORTANT NOTICE regarding future newslettersBeginning January 2019, we will be mailing a printed newsletter on a quarterly basis in your mailed statement instead of on a monthly basis. (Please note: this change does not affect the delivery of your monthly statement.) A monthly newsletter will still be available on our website and through e-statements. If you would like to receive your monthly statement electronically instead of mailed monthly, please visit or contact us today to get set up with e-statements.

4 Doing your banking online or on your mobile device means you can easily check account balances while on vacation, make a loan payment from the comfort of your home, or easily transfer money while you re out with your are pleased to announce that beginning in November, you ll gain access to new and improved features to manage your money, more tools to help reach your savings goals, and added security to keep your information safe and stay tuned for up-to-date information and other helpful resources coming soon!Your New Personal BranchFirst Time Home Buyer Program-the Key to your Dream Home!This special program designed for first time home buyers, offers up to 100% financing with no PMI insurance required. With lower closing costs than a traditional mortgage loan and no income limits, you can unlock your buying power to get the home of your dreams! Members that have direct deposit, a debit card, visa card (if you qualify), and a checking and savings account with Team One can save even more, up to a.

5 25%* discount off of their interest learn more about our First Time Home Buyer program, contact one of our knowledgeable Mortgage originators today! *See Team One for today for the Team One 5K Wine Run/WalkLocationsSaginaw Main Office520 Hayden Street, PO Box 1260 Saginaw, MI 48606 Axe499 Brick Street, PO Box 146 Bad Axe, MI 48413 City401 E. Midland Street Bay City, MI 48706 S. Boulevard Bloomfield Township, MI 48304 Cleaver Road, PO Box 64 Caro, MI 48723 Stevens Street Flint, MI 48502 East Main Street Owosso, MI Township4075 McCarty Road Saginaw, MI 48603 S. Sandusky Road, PO Box 328 Sandusky, MI 48471 Township8450 Gratiot Road Saginaw, MI 48609 City415 Cass Street, #2B Traverse City, MI Commercial Services and Mortgage Center225 E. Grand River, Suite 201 Brighton, MI Hr. Telephone or Stolen Credit One s routing transit number is do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity sure to join us on Wednesday, September 19, for the Team One 5K Wine Run/Walk in Saginaw.

6 The race starts and finishes at Huntington Event Park with a great course along the scenic riverfront. Register by September 9 to guarantee your race t-shirt. Participants will also recieve a wine glass and finisher medal, plus overall winner and age group winner prizes will be awarded. After the race, enjoy wine tastings (age 21 and over), music and appetizers. All proceeds will benefit CAN Council Great Lakes Bay Region. Hurry, register today for this fun event to benefit the community! For additional Wine Run details and to register, please visit EVENTS HOLIDAY CLOSING, September 3 We will be CLOSED on Monday, September 3rd. Have a safe and enjoyable Labor Day. Friday, September 7 Annual Member Appreciation Day and Free Shredding* from 11am-4pm at the Saginaw Main Office (520 Hayden Street) No newspapers, magazines or phone books. Please limit your shredding to two easily carried boxes. Wednesday, September 19 Team One 5K Wine Run/Walk in Saginaw.

7 To register, visit Saturday, October 13 Run4 Wine in Grand Blanc. To register, visit The benefits of membership have never been better with Team OneSaving on the products and services you want and need has never been easier. Your Team One membership can help you save money today with exclusive discounts and benefits from trusted partners. Members have saved nearly $2 billion with great offers, such as: Get a $100 cash reward for each new line you activate, up to 3 lines. Plus, get a $50 cash reward every year for as long as you are a Sprint customer.* Up to $15 off TurboTax federal products! An exclusive smoke communicator and a $100 gift card with a new ADT monitored home security system. You must call 844-703-0123 to receive this special offer through the Love My Credit Union Rewards Program. Cash back at over 1,500 online retailers with Love to more about these and other valuable discounts at or , and start enjoying yet another benefit of being a valued Team One Credit Union the 2018 Team One Scholarship winners!

8 Each year, the Team One Credit Union Scholarship program provides scholarship opportunities for college bound high school seniors. Congratulations to this year s Team One Credit Union scholarship recipients: Haley Nelson ..Sandusky Jr/Sr High SchoolMorgan Eremia ..Caro High SchoolAndrew Pechette ..North Huron Secondary SchoolGrace Kendziorski .. Bay City Western High SchoolJarrod Griffus ..Saginaw Arts and Sciences AcademyRachel Doerr ..Flint Powers High SchoolKelsey Landra ..Swan Valley High SchoolCaleb Cooper ..Swan Valley High SchoolTaylor Ryle ..Heritage High SchoolJulia Flanagan ..Deckerville High SchoolBrianna Jones ..Arthur Hill High SchoolAnnika Wilson ..Hemlock High SchoolKendra Bailey ..Bridgeport High SchoolMegan Brooks ..Swan Valley High SchoolConrad Strecker ..Swan Valley High SchoolTeam One Scholarship applications for 2019 will be available to Team One members beginning November 1, 2018 at , the Saginaw Community Foundation website which administers Team One Savings on Your Vet Bills with Pet InsuranceNationwide Pet Insurance is now available to Team One members as a voluntary benefit.

9 With Nationwide pet insurance, your pets can have nose to tail coverage from everything from shots to surgeries. Plus you can visit any vet, anywhere. Plans are available for dogs, cats, birds and even exotic more at or call 877-738-7874 and mention Team One for your no obligation quote. Team One members receive preferred a $ contribution to support Michigan Credit Unions political action efforts you could be the winner of: $20,000 toward the price of a 2018 GMC Sierra 1500 OR 2018 Ford Mustang OR $20,000 CASH*! Second prize is $5,000 and there are 5 third place prizes of $1000 each. Grand Raffle tickets can be purchased at all Team One branches excluding Traverse City, Brighton and Bloomfield Township.*For official rules and information, please visit your MCULLAF Grand Raffle Tickets here for a chance to win $20,000!