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77th ANNUAL MEETING NOTICE

Dear Member:

For 77 years the Board of Directors has been proud to serve the members of RiverWood – Maritime Credit Union. During this time we have always tried to make decisions with one thing in mind; that is, what is best for you, the member.

The Board of Directors and Management of RiverWood – Maritime Credit Union has spent several months evaluating the potential advantages of consolidating with another community credit union. As a result of this research, the Board of Directors of RiverWood – Maritime Credit Union has decided to recommend to its members to partner with Fox Communities Credit Union.

Fox Communities Credit Union has been a safe, sound and growing financial institution since 1937 with over $1 billion in assets and 15 locations throughout Green Bay and the Fox River Valley.

By joining with Fox Communities Credit Union, we can better serve you, our valued member. This consolidation will allow us to offer more products and services to our members, as well as, more competitive rates on savings, certificates, and loans. Also, operating expenses will be reduced through economies of scale and allow our members to conduct their business at 15 additional locations in Wisconsin. Above all, it will allow your credit union to better compete in an ever increasing competitive financial field.

The Board of Directors of RiverWood – Maritime Credit Union believes this partnership to be in the best interest of our members. We are now asking for your support in favor of this consolidation with Fox Communities Credit Union.

As a member, you have the final approval. This consolidation will be decided at our Annual Meeting that will be held on Tuesday, April 28, 2015, at the Two Rivers Community House Behringer Room. Doors open at 5 p.m. with hors’deurves and refreshments being served. The meeting will start at 6 p.m. sharp.

Please plan on attending this meeting as every vote counts!

Reservations need to be made to allow us to plan appropriately for the food. You can do this by stopping at either office and picking up a ticket or calling us and reserving a ticket to be held for you at the door. Contact the Two Rivers office at 920-793-1700 or the Manitowoc office at 920-682-6946.

Respectfully,

Bonnie L. Timm, President

MARCH ON IN

We have the loan products that will get you MARCHING in the right direction. Call to speak to one of our Loan Officers today for the complete details.

Rates as low as 1.99% APR* on auto loans and 2.99% (3.16% APR*) on mortgages!

Auto Loans: 1.99% APR * Minimum 10K New Money. 2011 or newer auto. Payment Example: $10,000. @ 1.99% APR* = $286.38 per month for 36 months Auto Loans: 2.99% APR * Minimum 10K New Money. 2011 or newer auto. Payment Example: $10,000. @ 2.99% APR* = $151.90 per month for 72 months

First Mortgages: 2.99% (3.16% APR*) Minimum 20K New Money. Owner Occupied. Payment Example: $20,000. @ 2.99% (3.16 % APR*)= $193.04 per month for 120 months

Subject to R-MCU Membership Eligibility and Lending Criteria. Rates are subject to change without notice.

*Annual Percentage Rate.

Fix your Mortgage with a rate as low as 2.99% (3.16 APR*)

*APR= Annual Percentage Rate Minimum $20,000.00 new Money Borrowed Rates are subject to change without notice. Must meet R-MCU Lending Criteria & Must meet Membership Eligibility. CALL TODAY AT 920-793-1700 OR 920-682-6946--DON'T DELAY!
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