220 Paul Bryant Drive East June 26, 2013 Tuscaloosa, Alabama 35401 Mailing Address: Dear Member: P. O. Box 862998 (35486) Recently, our long-time provider informed credit unions across the U.S. that it will (205) 348-5944 discontinue its Life Savings program. This program, paid for by Alabama Credit (888) 817-2002 Union for its members, provided no-additional-cost coverage to members, based on the members' sustained deposits in the and the age at which the member Birmingham Post Office deposited the funds. Although a popular program for many years, very few Alabama • Cottondale (Tuscaloosa) Credit Union members now qualify to file claims on the blanket policy, and we have found • no other insurance providers who offer similar coverage. Details follow. Cullman • Due to a significant decline in demand from credit unions and their members, CMFG Daphne Company has made the decision to exit the Life Savings product line. • Effective August 31, 2013, the Life Savings Insurance group policy will be cancelled. Decatur This is the which has been provided at no direct cost to you on • eligible savings deposits up to a maximum of $5,000. Fairhope • Coverage on existing insurable deposits will end on October 1, 2013, the last day of Fayette the conversion period. Please destroy any Life Savings Certificate of Insurance • Ferguson Center (UA Campus) provided by CUNA Mutual Group at that time. • Foley We know many of you value the peace of mind and security that life insurance • provides. That’s why we wanted you to know you can convert your Life Savings Fultondale coverage to a Primary Protection Plan, underwritten by CMFG Life Insurance • Company. This new plan is a member pay, whole life plan up to $5,000. If you apply Gulf Shores within the stated time period, there are no age restrictions, waiting periods, • exclusions, or health questions. If you convert, your new policy will be effective Hillcrest (Tuscaloosa) October 2, 2013, and premiums will be based on rates for your • age on that date. Huntington (Tuscaloosa) • Conversion is simple. Just request, complete, and return an application with your Indian Hills (Tuscaloosa) first premium payment to CMFG Life Insurance Company by October 1, 2013 in • order to receive coverage. South Whitesburg (Huntsville)

• North River (Tuscaloosa) We feel it’s important to carefully consider the option discussed above. To request a • quote or application for the Primary Protection Plan offered by CMFG Life Insurance Orange Beach Company, call 877.636.2377 to speak with one of CUNA Mutual Group’s fully licensed • insurance representatives. UAH (Huntsville) • If you have any questions about these changes, please call our Member Care Center Valleydale (Birmingham Area) at 205.348.5944 or 888.817.2002. As always, we appreciate the opportunity to serve • you. Vance (Mercedes-Benz U.S. International) Sincerely, •

Steve Swofford President

AlabamaCU.com The insurance sold through CMFG Life Insurance Company is not a deposit and is not federally CreditUnion.net insured or guaranteed by your credit union. Policy number: 001-0190-9.