At TopLine, we’re committed to our members and to our community. Check back often to learn about special promotions designed to give you more value from your credit union membership.

Contents:

1. Smart Rewards Check Card
2. Free First-Time Homebuyers Seminar
3. 5th Annual Back-to-School Supply Drive
4. Deposit dollars remain safe and sound
5. Plant Your Money at TopLine
6. IRAs Offer Smart Options
7. Premium Money Market
8. TopLine Investment Services

Smart Rewards Check Card

TopLine's new Smart Rewards Check Card lets you get smart with your checking:

• Access to over 57,000 fee-free retail and ATM locations nationwide.
• Get cash back right at the register when you use your Smart Rewards Check Card at certain retailers like Costco, Target and Walgreens.
• Earn CU Rewards™ points with every purchase. Points can be combined with your Platinum Rewards Visa®.

It's time to say goodbye to your old Cash & Check Card and say hello to a whole new world of rewards.

• Your new card will have a new account number, expiration date and PIN*.
• Don't forget to cut up and toss your old card—it will no longer work after August 28, 2008.

If you have questions bout the new ATM network, new card or reward points, click here.

*Contact any companies billing your debit card account number with sutopay to provide your new debit card account number and expiration date.

Free First-Time Homebuyers Seminar
Saturday, September 13
10:00 am - 11:30 am

Join TopLine mortgage advisors at our upcoming free First-Time Homebuyers Seminar at our Maple Grove Learning Center, 9353 Jefferson Hwy. TopLine will be partnering with LSS Financial Counseling to hold this popular seminar covering such topics as:

• How to become a homeowner
• Budget and money managing tips
• Building and maintaining good credit
• Understanding the buying process
• How to get pre-qualified

Seating is limited. To reserve your spot, click here or call 763-391-0877.

5th Annual Back-to-School Supply Drive

Going back to school is an exciting time for children, however some children will not have the required items
if someone doesn't help them. Let's work together to
help kids in our community get off to a great start this school year.

Support TopLine's Back-to-School Supply Drive by donating new school supplies at any of our branches from August 1 and 15th. Here is a list of most needed items:

• Backpacks
• #2 Pencils
• Loose-leaf wide-ruled paper
• Wide-ruled notebooks
• Erasers
• Crayons - Box of 16 or 24
• Watercolor Paints (Crayola)
• Washable Markers

Pick up a list of the most needed items at any one of our branches. All supplies will be donated to Community Emergency Assistance Program's (CEAP) Back-to-School Caring Tree program. In 2007, through the generosity of the community, CEAP served 2,505 children in the Anoka County, Brooklyn Park, Brooklyn Center and East Champlin communities. For more information on CEAP and the Back-to-School Caring Tree program, click here.

Deposit dollars remain safe and sound

When the news is filled with stories of the IndyMac bank failure and pictures of people lined up on the sidewalks to withdraw their money, it's natural to have questions about the safety and security of your hard earned savings.

We want you to know that your savings at credit unions, like TopLine as well as at banks, are federally insured to $100,000—and more depending on how your accounts are structured (individual, joint, trust, payable-on-death and other types). In addition, there is seperate insurance coverage up to $250,000 for individual retirement accounts (IRAs and KEOUGH).

Credit union deposits are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the National Credit Union Administration (NCUA). In the history of NCUSIF, not one penny of insured savings has ever been lost by a member of a federally insured credit union. This fund is backed by the full faith and strength of the United States Government.

Your Insured Funds provides additional information on federal deposit share insurance. The NCUA's Insurance Estimator is an excellent resource to determine insurance coverage. Please stop in any one of our branch locations or call 763-391-9494 for your free copy of "Your Federal Share Insurance" brochure.

Always a smart choice.
At TopLine, our most important customer is you, our members. As a member, you can rest assure that your deposits are safe and sound. You are welcome to contact us to discuss your personal situation at 763-391-9494 or stop in any of our six branches to visit with a branch manager. Let's keep growing our credit union together, responsibly.

Plant your money at TopLine.

Open a Smart Savings account and start saving for the things you want:

• Save for a specific reason
• Earn interest while you save
• No minimum balance required
• Save automatically with direct deposit

IRAs Offer Smart Options

A TopLine Individual Retirement Account (IRA) is a great option if you are looking for a smart way to invest for your future. IRAs are personal savings plans that provide income tax advantages to people saving money for retirement or even education purposes. At TopLine, we offer several IRA options that will help you on your way.

• Traditional IRA – offers tax savings up front with certain tax-deductible contributions and tax-deferred earnings. Most distributions are taxable.
• Roth IRA – offers tax savings when you retire with non-deductible contributions and tax-deferred earnings. All qualified distributions are tax-free.
• Coverdell Education Savings Account (formerly Education IRA ) – help pay for your child’s education expenses with tax-deferred earnings. Contributions are not tax deductible and distributions are tax-free for qualified education expenses.
• IRA Money Market Savings Accounts – an easy way to start saving for retirement that combines the benefits of an IRA with a Money Market Savings Account. Interest earned is tax-deferred until withdrawn from the IRA. Tiered interest rates allow you to earn higher interest for higher account balances.
• IRA Certificates – offers a guaranteed return on your investment. Flexible terms from 12 months to five years. Choose from Traditional, Roth or Coverdell certificates depending on your situation

For more information on which IRA is right for you, email members@toplinecu.com to email a member service representative, call us at 763-391-9494 or visit any branch location.

Get More from Your Savings

Savvy savers want to maximize their earnings without sacrificing flexibility. Our $10,000 minimum Premium Money Market account does just that. You'll earn substantially higher dividends than offered by conventional savings accounts.

You'll enjoy penalty-free access to your funds through phone banking online or in person. *Rates are tiered so as your balance grows, so do your earnings. You can rest easy knowing your savings are insured up to at least $100,000 by the National Credit Union Administration, a federal agency.

Click here to email a member services representative, call us at 763-391-9494 or visit any branch location and we'll open your money market account on the spot.

The Best Time for Tax Planning is All Year Long

Consider tax planning strategies throughout the year, not just in April. Whether it's 401(k) planning, deductible IRA's or other tax-deferred savings accounts, the options can be overwhelming. The Investment Advisor Representatives at TopLine Investment Services can help you wade through the choices to determine the best plan for your future. Or if you choose to invest outside of retirement plans, TopLine Investment Services offers stocks, bonds and mutual funds, all with the personalized service you've come to expect from your credit union.

Click here for more information on how the Investment Advisor Representatives at TopLine Investment Services can help with your tax planning.

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