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the advantages difference benefits of Electro

get to know electro We re here for you every step of the way we re here for your employees helping them live better financially We re a not for profit financial cooperative looking out for our members financial well being and futures We embrace our not normal ness and strive to offer the best products and services for our members without the price tag you d find at a big bank Being member owned also means we pass all the savings along to you not stockholders in the form of competitive rates higher returns and lower fees At Electro you re not just a number you re family let s work together Make a difference in your workplace Personal financial stresses have resulted in a 34 increase in absenteeism and tardiness in the workplace 1 Financially stressed employees bring their worries to the office ultimately decreasing their efficiency and your bottom line That s where we step in Give your employees the credit union advantage by including Electro Savings membership in your benefits package We ll provide your hard working employees with access to a local financial institution affordable loans free rewards checking safe savings they could even win up to 5 000 just for saving their own money free financial planning and education resources According to the Society for Human Resources Management 1

help your employees thrive Financial wellness programs lower the high levels of financial stress employees experience by helping them take control of their personal finances 1 With our partnership we ll be there literally We establish a presence at your workplace including on site banking days financial workshops benefit fairs open enrollments and orientation for new employees According to Best Money Moves 1

financial We offer a variety of free workshops for your employees we ll come to you and we can tailor the length to fit your needs give your employees the tools to workshops succeed Build a Basic Budget The 5 Step Spending Plan You give your employees a paycheck help them feel confident with how they use it They ll learn how to set up a spending plan identify spending leaks track spending and find ways to save set short and long term goals and how to use tools to reach goals Your employees will benefit from membership and can take advantage of our full range of products and services including Take the Wheel Get the Best Car Deal LOANS INSURANCE PRODUCTS EXCLUSIVE PROMOTIONS HIGH REWARD CHECKING SAVINGS Your employees need a car to get to work help them learn the basics of car buying They ll learn how to determine a price point for a car how to deal with dealers negotiate for the best price decipher financing options and warranties Plus learn the benefits of buying used and how to find help if they have warranty problems Credit Ability Build a Strong Credit History MOBILE BANKING DEPOSIT DIRECT DEPOSIT SURCHARGE FREE ATMs Don t let credit hold your employees back Learn all about credit building and repairing using credit wisely pitfalls that can cost them and their rights and responsibilities Achieve the Dream Home Buying Made Easy Help your employees become homeowners Learn about renting vs buying home loan basics credit and budgeting what costs are involved home loan programs financing options and title company and closing procedures

add value to your benefits package at no cost What do financially fit employees mean for you Increased morale retention and loyalty Financial health programs have been shown to improve productivity reduce absenteeism and lower healthcare costs 1 Partnering with Electro is a perk for your employees and for you As a credit union partner your company receives Quarterly newsletters The ability to provide your employees access to low cost convenient services and superior rates Corporate event sponsorship and participation Money management workshops and seminars Your company can also take advantage of our full range of business services and products Have questions Call our Business Relationship Manager at 314 434 6470 x 1406 According to ADP 1

we re proud to be the credit union of choice for many St Louis employers since 1941 Call 314 434 6470 or email members escu org to learn how you can boost your company s benefits and bottom line when you partner with Electro Savings for more financially confident employees

branch locations With access to our branch locations and to credit unions and ATMs across the United States we re where your employees live work and play phone numbers Phone 314 434 6470 Toll Free 800 844 8313 Fax 314 434 3558 mailing address Electro Savings Credit Union 1805 Craigshire Road Maryland Heights MO 63146 electrosavings com