Board of Director Nominations Due

Your credit union’s Board of Directors is elected by the membership to fulfill duties set forth by our regulatory agency. The Board ensures the credit union uses good business practices, maintains its financial stability and fulfills its key purposes.

The Nominating Committee is appointed to make and accept nominations to fill expiring terms on the Board. If you are interested in submitting a name for consideration to serve on the Board of Directors, please send your submission in writing to:

• Palmetto Citizens FCU
• Nominating Committee
• P.O. Box 5846
• Columbia, SC 29250-5846

Nominations must be received by September 3, 2021. All nominations must include qualifications and biographical data on the candidate. All submissions must be made with the knowledge and consent of the candidate. Nominees will be announced in the newsletter included in the 3rd quarter statement mailing.

Annual Meeting

The 83rd Annual Meeting of Palmetto Citizens is a chance for our members to hear about the accomplishments and financial status of their credit union.

The doors will open at 5:30 p.m. for fellowship and dinner, followed by the business meeting at 7:00 p.m. The evening will conclude with a drawing for cash prizes. Join us at:

• 83rd Annual Meeting
• February 20, 2020
• 5:30PM - 7:30PM
• Brookland Banquet & Conference Center

There is no cost to attend and parking is free. Seating is limited.

The meeting is open exclusively to the members of Palmetto Citizens with accounts in good standing. We look forward to seeing you at the meeting.

For more information, please call (803) 732-5000.

Social Security & Your Retirement Virtual Seminar: Tuesday, June 9th at 5:30PM

Regardless of when you plan to retire, Social Security will likely be an important part of the road ahead. So, do you know the rules of the road when it comes to Social Security?

Determining when to begin benefits could be one of the biggest financial decisions you face, and there are key issues to consider. Here’s an opportunity to attend a valuable educational virtual seminar on this important topic, at no cost and no obligation.

During the virtual seminar, you’ll find out more about your Social Security benefits and discuss the role they play when setting a clear direction for your financial future. You’ll learn the answers to questions, including:

- What are the rules for starting your Social Security benefits?

- How do spouses coordinate their benefits?

- Are there different routes to take that could potentially increase your benefits?

- How do you decide where Social Security fits within your retirement plans?

To reserve your place in this virtual session on Tuesday, June 9th at 5:30PM, please click here.

Space is limited, so please make your reservation today. If you have any questions regarding this virtual seminar, please call (803) 312-7984 or have a representative contact you. We look forward to seeing you virtually!

This workshop is educational only and is not investment advice. If you need advice regarding your financial goals and investment needs, contact a financial advisor. CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Annuities are issued by CMFG Life Insurance Company (CMFG Life) and MEMBERS Life Insurance Company (MEMBERS Life) and distributed by their affiliate, CUNA Brokerage Services, Inc., member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, IA, 50677. CMFG Life and MEMBERS Life are stock insurance companies. MEMBERS® is a registered trademark of CMFG Life. Investment and insurance products are not federally insured, may involve investment risk, may lose value and are not obligations of or guaranteed by any depository or lending institution. All contracts and forms may vary by state, and may not be available in all states or through all broker/dealers. Asset allocation and diversification do not guarantee a profit or prevent a loss. See your prospectus for details about your investment options and refer to the fund prospectus for information on specific investment objectives. Variable annuities are sold by prospectus only. You can obtain a prospectus by contacting your financial advisor or the insurance company. Read it carefully.

Representatives are registered, securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, which is not an affiliate of the credit union. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/DIFC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution.

MGA-3013564.1-0320-0422

© 2020 CUNA Mutual Group

The Return of Conservative Investing Virtual Seminar: Tuesday, July 7th at 6PM

Market volatility. Low interest rates. Retirement risks. All of these headwinds are making it tougher than ever to know where to invest your retirement savings. In this virtual seminar, you’ll learn how conservative investments like certificates of deposit (CDs) and annuities can help get your financial plan back on track.

Attend a valuable educational virtual seminar on this important topic, at no cost and no obligation.

During the virtual seminar, you’ll learn the answers to important questions, including:

- How can conservative investments help you face today’s economic risks?

- What are the differences between CDs and annuities?

- What are the different types of annuities?

- How do you decide which conservative investment is right for you?

To reserve your place in this virtual session on Tuesday, July 7th at 6:00PM, please click here.

Space is limited, so please make your reservation today. If you have any questions regarding this virtual seminar, please call (803) 376-2807 or have a representative contact you. We look forward to seeing you virtually!

This workshop is educational only and is not investment advice. If you need advice regarding your financial goals and investment needs, contact a financial advisor. There are distinct differences between annuities and certificates of deposit. Most certificates of deposit are short-term investments. Some of the products featured in this workshop are annuities and are sold by prospectus.

Annuities are long-term insurance products designed for retirement purposes. Many registered annuities offer four main features: (1) a selection of investment options, (2) tax-deferred earnings accumulation, (3) guaranteed lifetime payout options, and (4) death benefit options. Before investing, you should consider the annuity’s investment objectives, risks, charges and expenses. The prospectus contains this and other information. Please read it carefully. To obtain a prospectus, contact your advisor, log onto membersproducts.com or call 888.888.3940

CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Annuities are issued by CMFG Life Insurance Company (CMFG Life) and MEMBERS Life Insurance Company (MEMBERS Life) and distributed by their affiliate, CUNA Brokerage Services, Inc., member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, IA, 50677. CMFG Life and MEMBERS Life are stock insurance companies. MEMBERS^® is a registered trademark of CMFG Life. Investment and insurance products are not federally insured, may involve investment risk, may lose value and are not obligations of or guaranteed by any depository or lending institution. All contracts and forms may vary by state, and may not be available in all states or through all broker/dealers.

Representatives are registered, securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, which is not an affiliate of the credit union. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution.

FR-3132326.1-0620-0722

© 2020 CUNA Mutual Group