ANNUAL MEMBER MEETING 2018

YOU TOLD US. WE DELIVERED.

2

HOUSEKEEPING

• Teleconference (Voice Services)

• Dial-in number: (877) 906-9811

• Participant Passcode: 9812138564

• Annual Meeting Minutes

• Please review before meeting at:

creditunion.coca-cola.com

Resources/Annual Meeting/2017 Annual Reports

• Prize Drawing

• Must be logged into online Open Meeting

• Member in good standing

• Questions

• Please submit questions via Open Meeting chat panel. Questions will be

answered during the ‘Other Business’ segment.

CHAIRMAN’S INTRODUCTION

• Welcome

• Call to Order

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• Introduction of the Board

• Approval of Annual Meeting Minutes

• Supervisory Committee Report

• Chairman’s Report

• President’s Report

• Nominating Committee Report

• Other Business

• Q & A

• Closing Remarks/Adjourn Meeting

• Prize Drawing

AGENDA

Ivor Longo

Margaret Sherrod

Billy Kane

Ivor Longo

Rob Hatefi

Karen Brey

Ivor Longo

Ivor Longo

Ivor Longo

BOARD OF

DIRECTORS

Ivor Longo

Karen Brey

Nick Nichols

Margaret Sherrod

Anita DeMyers

Robin Moore

Chris Nolan

Billy Kane

Mike Gregorio

Livingstone Johnson

Michael La Kier

Shilvi Leinwand

Peter Pearson

Chairman

Vice Chairman

Chief Financial Officer

Chief Recording Officer

Board Member

Board Member

Board Member

Board Member

Board Member

Board Member

Board Member

Board Member

Board Member

IVOR LONGOBoard Chairman

KAREN BREYVice Chairman

NICK NICHOLSChief Financial Officer

MARGARET SHERRODChief Recording Officer

ANITA DEMYERSBoard Member

MIKE GREGORIOBoard Member

BILLY KANEBoard Member

ROBIN MOOREBoard Member

LIVINGSTONE JOHNSONBoard Member

MICHAEL LA KIERBoard Member

SHILVI LEINWANDBoard Member

CHRIS NOLANBoard Member

PETER PEARSONBoard Member

SALES &

SERVICE

TEAM

FINANCE

TEAM

MARKETING

TEAM

WEALTH

MANAGEMENT

TEAM

LENDING

TEAM

INFORMATION

TECHNOLOGY

TEAM

EXECUTIVE

MANAGEMENT

TEAM

COCA-COLA

CREDIT UNION

TEAM

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• Finance Committee

• Supervisory Committee

• Marketing Committee

• Executive Committee

• Loan Review Committee

• Technology/Security Committee

• Advisory Council Committee

• Personnel Committee

• Contract Review Committee

BOARD COMMITTEES

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• Approval of Annual Meeting Minutes

• Chief Recording Officer, Margaret Sherrod

ANNUAL MEETING MINUTES

ANNUAL MEETING MINUTES

SUPERVISORY COMMITTEE REPORT

• Supervisory Committee Chairman

Billy Kane

CHAIRMAN’S

REPORT

• Board Chairman

Ivor Longo

CHAIRMAN’S MESSAGE

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PRESIDENT’S REPORT

Statement of Condition

EARNINGS RATIOS 2017 2016 2015

Yield on average Loans 4.5% 4.2% 4.2%

Yield on Investments 1.6% 1.3% 1.0%

Gross Income/Average Assets 4.2% 4.0% 3.9%

Cost of Funds 0.1% 0.1% 0.1%

Net Interest Margin 3.3% 3.0% 2.9%

Operating Expense Ratio 3.4% 3.3% 3.4%

Return on Average Assets 0.5% 0.6% 0.3%

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FINANCIAL RATIOS

2017

2017/2016

Growth 2016

2016/2015

Growth 2015

Total Loans 124.9$ 8.1% 115.5$ 4.7% 110.3$

Total Investments 59.7$ -7.3% 64.4$ 10.8% 58.1$

Total Assets 188.9$ 3.8% 182.0$ 7.2% 169.7$

Total Shares 170.4$ 3.8% 164.1$ 7.7% 152.4$

Total Equity 16.3$ 10.1% 14.8$ -1.3% 15.0$

Net Worth Ratio 9.2% 2.2% 9.0% -1.1% 9.1%

Loan to Share Ratio 73.3% 4.1% 70.4% -2.2% 72.0%

Total Number of Members 14,453 2.4% 14,115 0.2% 14,088

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FINANCIAL RESULTS

2017/2016 2016/2015

EARNINGS (in thousands) 2017 Growth 2016 Growth 2015

Operating Income 7,865.8$ 10.8% 7,100.2$ 8.1% 6,568.9$

Provision for Loan Losses 340.0 131.9% 146.6 -57.2% 342.2

Operating Expenses 6,384.2 8.8% 5,866.2 3.9% 5,645.2

Dividend Expense 184.6 4.7% 176.3 9.4% 161.1

Net Income from Operations 957.0 5.0% 911.1 116.7% 420.4

Non-Operating Gains/(Losses) 1.7 -97.2% 60.4 57.7% 38.3

Net Income 958.7 -1.3% 971.5 111.7% 458.8

NOMINATING COMMITTEE REPORT

• Nominating Committee Chair

• Election of Board of Directors

OTHER BUSINESS

• Old Business

• New Business

CLOSING

REMARKS• Chairman’s Closing Comments

PRIZES

Eligibility:

• Member in Good Standing

• Must attend meeting via Open Meeting or phone

• Board members, staff and volunteers are not

eligible

Gift cards will be awarded as follows:

• 5th prize $100.00

• 4th prize $200.00

• 3rd prize $300.00

• 2nd prize $400.00

• 1st prize $500.00

THANK YOU &

HAVE A GREAT DAY!• CREDITUNION.COCA-COLA.COM