29 JUL 2014 · "Sacrificing is extremely important to any concept of growth in your life. You have to be WILLING to sacrifice in order to obtain your financial "dream house" - Jaison McCall On this edition of The Community, we’re talking about cleaning house. We’re having a conversation about the importance of getting your financial house in order. Dorothy Bell, SVP & Chief Marketing Officer with Jaison McCall, Financial Literacy and Community Outreach Specialist with St. Louis Community Credit Union and its Foundation. In this episode you’ll discover: •What is our financial house? •What areas of our lives does our financial impact? •Why is our financial house important? •How to set (S.M.A.R.T.) financial goals. •What does (S.M.A.R.T.) mean? •What are the 4 most critical financial and personal Pillars? •The importance being organized and keeping track of documentation. •What are some steps that we should consider taking to help get our financial houses in order? •Where can we go to learn more about getting our Financial House in order? We, at St. Louis Community Credit Union and our Foundation realize that your financial house is important. That’s why we are here to help as part of our overall giveback to the community. There’s no time like the present to get started on a path that works for you. Schedule free one-on-one coaching at the CU Center for yourself, with your partner or your family. The CU Excel Center is located at 95 North Oaks Plaza, St. Louis, MO 63121, nestled in the northeast corner of the North Oaks Shopping Plaza (intersection of Natural Bridge and Lucas and Hunt). For more information or to sign up for a class, call our Financial Literacy Hotline at (314) 385-1586, or send an e-mail to center@stlouiscommunity.com

21 JUL 2014 · On this edition of The Community… We’re talking about dreams…but not just any kind of dream…the one within your reach – and that’s home ownership. Your pathway to getting there may be closer than you think. Many of you know St. Louis Community Credit Union for great car loans. But now, you can call on us for home loans. Today we will discuss home ownership and the overall loan process. Dorothy Bell, SVP & Chief Marketing Officer of St. Louis Community Credit Union with Terrence Rogers, VP of Mortgage Lending for Carrollton Bank. In this episode: •How does the home loan process work? •What do lenders look for in a mortgage loan application? •What types of questions should prospective home buyers ask a lender? •How do we actually prepare ourselves for buying a home? •What is the difference between Conventional and FHA loans? What are the benefits of both? •What kinds of down payment assistance programs are available for those who need it? •Where can we go for home loan information? •When are upcoming homebuyers education events scheduled? Learn how to get your piece of the pie! Use this information to get into your home. We all deserve that chance. We at St. Louis Community Credit Union firmly believe that is part of our overall giveback to the community. Terrance conducts events on a regular basis: August 12th at Kingdom House Aug 26th at the CU Excel center The CU Excel Center is located at 95 North Oaks Plaza, St. Louis, MO 63121, nestled in the northeast corner of the North Oaks Shopping Plaza (intersection of Natural Bridge and Lucas and Hunt). For more information or to sign up for a class, call our Financial Literacy Hotline at (314) 385-1586, or send an e-mail to center@stlouiscommunity.com

21 JUL 2014 · On this edition of "The Community"… We’re having a conversation about baggage…whether it is emotional or financial; we owe it to ourselves and our families to “LET IT GO”! Dorothy Bell, SVP & Chief Marketing Officer of St. Louis Community Credit Union with Shalia Ford, Community Volunteer. Shaila is also a faithful volunteer instructor at the life skills and financial education facility, the CU Excel Center. Part of her work involves empowering women (and men) to live better lives. In this episode: •What kinds of baggage are we faced with? ie Emotional, Unforgiveness and Financial. •Why is the idea of unloading baggage so important? •What are the Life Enrichment workshops that are available? •What are some steps that we can take to unload our baggage? •Understanding emotional wellness. •Steps to improve relationships. •The value of networking. •How to move life more toward balance. •Where can we go for more information about upcoming workshops/topics? Today we are talking about the importance of unloading baggage – whether emotional or financial is the key to personal empowerment. It starts with us.

27 JUN 2014 · On this edition of The Community, you’ll get to know an organization that offers hope, dignity and a sense of self-worth to countless individuals and families in our community…the St. Louis Community CU Foundation. Find out about how key The St. Louis Community CU Foundation is making a difference in the financial and personal lives of St. Louisans. Paul Woodruff, Vice President of Community Development for St. Louis Community Credit Union and Executive Director of the St. Louis Community CU Foundation. Come to know about the St. Louis Community CU Foundation. Why does it exist? What services are offered Discover the Janice Mosby Scholarship. Details about the CU Excel Center, financial coaching, free classes (financial education and life skills) and community outreach events. Who does the CU Foundation serve? Who does the CU Foundation work with? Classes and Special Events include: Basics of Bankruptcy Topics: •Identify common bankruptcy terms •The three types of bankruptcy •Which type to file & the next steps after filing How to Read Your Credit Report Topics: •How to obtain your credit report •Find out what is on your credit report •How to dispute inaccurate information on your report Goal Setting and Saving Money Topics include: •How to set SMART financial goals •The importance of savings •Savings options •Strategies to save between now and retirement

24 JUN 2014 · On this edition of "The Community"… A candid and critical conversation about Women and Money. Today is all about the ladies…and how we manage our money. Whether you work full-time managing your home and your children OR you go to a 9 to 5 every day, you need to have a plan for your money…if not, it may have a plan for you. Dorothy Bell, SVP & Chief Marketing Officer of St. Louis Community Credit Union with Cheryl Walker, Community Development Loan Officer with Stifel Bank & Trust. In this episode… •Cheryl tells us about Stifel Bank & Trust and her role there. •How important is the idea of managing money for women? • How can we overcome being intimidated by money and actually take control? •Why and how we must get a plan. •Taking the emotion out of spending. •Keeping the lines of communication open. •Being the family CFO. •How can women build wealth when we often have an inconsistent presence in the workforce? •Should money management be approached differently if you are married, dating or single? •Money Management tips from Cheryl that you can use and share: -- Don’t look financially fit. Be financially fit!! -- Build assets not liabilities. -- Do the math; know where your money is going. Money is a necessary tool. Thank you Cheryl for the encouraging for all of us to take control of our financial futures! Stifel Bank & Trust 12655 Olive Blvd. Suite 250 Creve Coeur, MO 63141 314-317-6937 Office walkerc@stifelbank.com

24 JUN 2014 · On this edition of The Community… Discover an organization that has been making St. Louis families stronger for more than 100 years – Grace Hill. Dorothy Bell, SVP & Chief Marketing Officer of St. Louis Community Credit Union with Johanna Wharton, Executive Vice President/Director of Head Start for Grace Hill Settlement House. In this episode: • What is the Grace Hill mission? • Which particular neighborhoods does Grace Hill serve? • Are there a certain income level requirement in order for someone to receive services at Grace Hill? • Some of the Grace Hill programs that empower families. • More about Head start/Early childhood. • Information about the Women’s Business Center . • The mini branch inside of the Water Tower facility back in 2011 and how it is making impact with: --Affordable bank accounts --Great loans --Access to capital: $1 million in over 30 months during a time of economic distress. Helping people •Where you can go to learn more about Grace Hill. Grace Hill is a dynamic force in our region for individuals and families. Check out Grace Hill's radio show, "Voices of Grace" in the RareGem programs line up http://www.spreaker.com/show/voices-of-grace

18 JUN 2014 · On this edition of The Community… We all want our children to be money smart. Teaching your children how money works and how to work with it is a good start. Dorothy Bell, SVP & Chief Marketing Officer with Jaison McCall, Financial Literacy and Community Outreach Specialist for St. Louis Community Credit Union. In this episode: •Is there a good time to start talking to our children about money and how it works? •How do we handle that immediate gratification?? The “I want it now •Allowances. Are they good or bad? •How important does the role of credit play when teaching our children how to manage their finances? •What are things we can do to get started? •Tips to become better money management teachers. We can teach our children many things…and teaching them the importance of money management should be part of that overall life lesson. The CU Excel Center is located at 95 North Oaks Plaza, St. Louis, MO 63121, nestled in the northeast corner of the North Oaks Shopping Plaza (intersection of Natural Bridge and Lucas and Hunt). For more information or to sign up for a class, call our Financial Literacy Hotline at (314) 385-1586, or send an e-mail to center@stlouiscommunity.com

18 JUN 2014 · On this edition of The Community, we’ll talk about a 3 digit number that can affect your ability to get an affordable car, the job you have always wanted, or a place to call home. And that’s your credit score. Find out what your credit means to you. Dorothy Bell, SVP & Chief Marketing Officer with Jaison McCall, Financial Literacy and Community Outreach Specialist for St. Louis Community Credit Union. In this episode: • The importance of credit….why it even matters. • How important is a credit score? • How often should we review our credit? • What’s a good score to shoot for? • What is included when figuring the credit score? • What’s in a credit report? • The 4 parts of the credit report – identifying information, public records, credit history, and inquires. • How can we rebuild our credit? • One-on-one coaching sessions at the CU Excel Center. What happens during a session? • How can we increase our credit score? • Where can we go to get copies of our credit report? Managing your credit and financial image can have a tremendous impact. It’s good that St. Louis Community Credit Union is there to help people get back on track. Schedule free one-on-one coaching at the CU Center with your partner. The CU Excel Center is located at 95 North Oaks Plaza, St. Louis, MO 63121, nestled in the northeast corner of the North Oaks Shopping Plaza (intersection of Natural Bridge and Lucas and Hunt). For more information or to sign up for a class, call our Financial Literacy Hotline at (314) 385-1586, or send an e-mail to center@stlouiscommunity.com

18 JUN 2014 · On this edition of The Community, we’re having a conversation about your financial goals, why you need them and what to shoot for. Regardless of your journey in the game of life, you need a plan. Dorothy Bell, SVP & Chief Marketing Officer with Jaison McCall, Financial Literacy and Community Outreach Specialist for St. Louis Community Credit Union. In this episode: •Why is goal setting and saving important? •What should we think about when setting our financial goals? •What are short-term goals? •Description of Medium-term goals. •How do we determine long-term goals.. •The Explain the concept of SMART goals. •What are some popular savings vehicles? •How can we stay on track? Schedule free one-on-one coaching at the CU Center with your partner. The CU Excel Center is located at 95 North Oaks Plaza, St. Louis, MO 63121, nestled in the northeast corner of the North Oaks Shopping Plaza (intersection of Natural Bridge and Lucas and Hunt). For more information or to sign up for a class, call our Financial Literacy Hotline at (314) 385-1586, or send an e-mail to center@stlouiscommunity.com

14 JUN 2014 · "We need to learn look at the sacrifice as a blessing rather than a burden. If we fail to have a plan then we plan to fail." --Jaison McCall On this edition of "The Community", we’re having a conversation stress…but not just any kind of stress. We’re talking about stress that comes from when you are trying to stay afloat…living paycheck to paycheck - and that is FINANCIAL stress. Dorothy Bell, SVP & Chief Marketing Officer with Jaison McCall, Financial Literacy and Community Outreach Specialist for St. Louis Community Credit Union. Having a deeper conversation about the circumstances of financial stress how you can tackle it. In this episode you will learn: The variety of ways stress is displayed including excess spending, over eating, impulse buying, online shopping, grief shopping, gambling, and more The emotional reactions to stress. Common causes of financial stress. What are financial stress triggers? How to put finances in proper perspective to keep stress at bay. When is the best time to address money challenges?The importance of sacrifice. What is a realistic plan? How to create a realistic financial plan for your situation. How to build a family legacy. How to understand our financial situation in order to manage and plan for where we are going tomorrow. What questions and conversations are needed to gain better financial footing? Schedule free one-on-one coaching at the CU Center with your partner. The CU Excel Center is located at 95 North Oaks Plaza, St. Louis, MO 63121, nestled in the northeast corner of the North Oaks Shopping Plaza (intersection of Natural Bridge and Lucas and Hunt). For more information or to sign up for a class, call our Financial Literacy Hotline at (314) 385-1586, or send an e-mail to center@stlouiscommunity.com