Charting a Course for results

“‘tis the set of the sails and not the gales, that tells the way we go.”

– ella wheeler wilCox

advoCaCy in aCtion toolkit

advoCaCy results

ComplianCe tools

aC

eduCation for ComplianCe

examination support

ee

ContaCt information

MCUL Home: mcul.org

CUNA Home: cuna.org

League InfoSight, ComplySight & PolicyPro: mi.leagueinfosight.com

CUSG Compliance Consulting: 800-262-6285, ext. 463

MCUL Compliance HelpLine: 800-262-6285, ext. 193, compliancehelpline@mcul.org

Take Part in Charting Our Course: mcul.org/chartingacourse

AdvocAcy in ActionSuccess is not a matter of chance. We have to first decide where we want to go, and then chart a course to reach our destination.

At MCUL & Affiliates, our focus will remain on removing the barriers that inhibit credit unions from effectively serving the communities in which they operate. Together with CUNA, we are continually working to reduce regulatory burdens at the state and federal levels. While significant challenges exist at the national level, we must set forth a bold agenda designed to make a positive impact for credit unions. As we did in 2003, we are working to update and improve the Michigan Credit Union Act by increasing flexibility, addressing exam issues and reducing unnecessary burdens.

To succeed in this dynamic environment, it is critical that we speak with a single voice as we work to advance the credit union movement.

Bold initiatives — Partnering with CUNA, we need to chart a bold vision of our future—and we can’t be afraid to think BIG, like seeking an outright CFPB exemption for credit unions and laying a foundation for modernizing the Federal Credit Union Act. One thing is certain, if we don’t chart a course to meet our goals, we will never achieve them.

Reducing unfair burdens — Policymakers need to understand that while Wall Street banks earned CFPB oversight through their bad conduct, community based institutions like credit unions are being crippled by the onslaught of Dodd-Frank regulations.

Continuous improvement — While we made significant gains in 2003 when we modernized the Michigan Credit Union Act, we remain committed to identifying new ways to make our state charter even more progressive. We are working with key policymakers to craft a package of bills designed to reduce burdens and increase flexibility for Michigan state chartered credit unions.

Pursuing solutions — Our advocacy team works to identify ways of streamlining state laws to reduce regulatory burdens, such as recent efforts to reform state foreclosure laws.

Strengthening relationships — We look forward to another productive year with Gov. Rick Snyder, our state legislative leaders, and our congressional delegation.

AdvocAcyResults

advoCaCy results

a

a None of us can afford to sit on the sidelines. To achieve our goals, we need everyone to do their part.

Attend a legislative breakfast and work to establish personal relationships with your elected officials.

When asked, call or write your elected officials encouraging them to support updates to the Michigan Credit Union Act.

Attend the CUNA GAC, Michigan GAC and Capitol Day.

Submit at least one comment letter to the NCUA in 2015.

Meet your 2015 State and Federal PAC goals—participate in the lapel pin program and the Grand Raffle.

Make a corporate contribution to A Stronger Financial Michigan (ASFM).

Get Involved

advoCaCy results

We know how important it is for both professional staff and volunteers to stay on top of the latest trends in the credit union industry and to keep abreast of key developments in the larger financial services landscape. MCUL and CUNA have assembled a library of resources, training tools and conferences designed to spur creative thinking, challenge assumptions and chart a course for a successful tomorrow.

MCUL conferences — MCUL hosts high-quality events like the Annual Convention & Exposition and the Executive Summit; which provide excellent educational opportunities along with plenty of time for networking.

MCUL webinars and audio sessions — We offer a wide variety of online, on-demand and audio training sessions that are designed to specifically meet the needs of front line and compliance professionals.

CUNA schools — Thousands of credit union professionals attend CUNA schools each year, which focus on a broad array of topics from marketing, to compliance, to leadership development. These “best in class” offerings equip the leaders of today and tomorrow with the knowledge and skills that they need to excel in a dynamic marketplace.

League InfoSight — Infosight is a comprehensive online compliance manual at your fingertips containing federal and Michigan-specific content that offers your staff key information on a wide range of compliance topics.

MCUL media and publications — MCUL’s regular publications include CUBE TV’s Compliance Connection, monthly Regulatory FAQs, Monitor, SAS Gazette, Priority Report and Contact.

Education for

compliancE

eduCation for ComplianCe

e

The educational resources and tools offered by MCUL and CUNA were developed to strengthen individual credit unions, and by extension, the industry as a whole. By taking advantage of these high-quality, yet affordable opportunities, your staff and volunteers will take away useful information that is directly relevant to your credit union. On top of that, you will get a chance to broaden your network and hear how your fellow credit unions are handling similar challenges.

Credit union professionals should attend at least one MCUL or CUNA conference each year to stay current with industry trends.

Credit union volunteers should attend at least one MCUL or CUNA conference each year to stay current with industry trends.

Sign up and use League InfoSight, and take advantage of the many MCUL and CUNA education events to stay current on regulatory compliance.

Stay informed

eeduCation for ComplianCe

Successful compliance management systems allow your staff to proactively identify issues and work with key stakeholders to creatively address challenges. We provide a wide range of high-quality and affordable compliance solutions that are designed to “meet you where you are,” regardless of size or sophistication.

Compliance HelpLine — This is a critical resource for help with all manner of operational questions. A “go-to” member benefit for MCUL affiliates, this is especially useful for SAS credit unions.

PolicyPro — With more than 200 detailed model policies to help credit unions manage ongoing compliance and operational challenges, this invaluable online compliance tool is available at no cost to Michigan credit unions.

ComplySight — Created through a collaboration between League InfoSight, CUNA, and state leagues, ComplySight provides a single software solution for tracking, visibility, measurement and reporting of compliance projects.

Compliance consultants — CU Solutions Group’s compliance consulting services are available on an as-needed basis to Michigan credit unions to provide professional expertise without the cost of a full-time employee.

ComplianCe Tools

Be

Proactive

Enroll in ComplySight and stay current with the latest compliance challenges.

Use PolicyPro as your first resource for credit union policy development.

Being proactive means being able to spend more time preventing fires than putting them out. It takes direction, momentum and perseverance, but once we reach our stride in lockstep, the winds will cease to impede our progress.

ComplianCe tools

C

PROM

OTE CU

DIFFEREN

CE

For many credit union professionals, regulatory exams evoke feelings of angst and trepidation. Credit unions—as clients of regulatory agencies—should look forward to exam reports as helpful tools designed to highlight possible improvements. Unfortunately, in some cases the exam process devolves into a game of “gotcha,” focused on compliance with hyper-technical details rather than overall safety and soundness of their institutions. Ultimately, this isn’t good for regulatory agencies, and it certainly isn’t good for credit unions.

Fear of retaliation — In a recent CUNA survey, 24 percent of credit unions felt the need to appeal their most recent supervisory decision; however, only three percent of credit unions followed through with an appeal, the remainder citing fear of retaliation.

Exam issues remain key — In our recent review of the Michigan Credit Union Act, exam issues remained one of the most passionately discussed topics over a period of months. A widespread concern involves the use of so-called “best practices,” or examiner suggestions that aren’t required by law or safety and soundness. Many credit unions believe that the increasing use of “best practices” is becoming an important exam issue.

To appeal or not appeal — Credit unions that disagree with an exam rating or finding should have a clear understanding of the appeal process. More importantly, credit unions that file appeals should never face examiner backlash.

Examination

Support

Driving results

Share your exam experiences by filling out the MCUL Exam Survey.

Forward examples of “best practice” suggestions made by state or federal examiners to MCUL.

Attend MCUL meetings with DIFS and NCUA concerning exam issues, and be willing to share your concerns in order to improve the examination climate for all Michigan credit unions.

We have exceptional state and federal regulators that are dedicated and committed, but in even the best of circumstances, we can ask for and expect more from ourselves and our regulators.

examination support

e

“Coming together is a beginning; keeping together is progress; working together is suCCess.”

– henry ford

CommunityReinvestment

initiative

the Credit union differenCe

PROM

OTE CU

DIFFEREN

CE

ContaCt information

CU Link Home: culinkmichigan.com

CU Link Campaign Information: mcul.org/culinkadvertising

Community Reinvestment Initiative Home: mcul.org/about-CRI

Michigan Credit Union Foundation Home: mcul.org/about-MCUF

CU Link Contact: Margot Espinoza, 800-262-6285, ext. 242, margot.espinoza@mcul.org

Community Reinvestment Initiative Contact: Beth Troost, 800-262-6285, ext. 453, beth.troost@mcul.org

Michigan Credit Union Foundation Contact: Beth Troost, 800-262-6285, ext. 453, beth.troost@mcul.org

Take Part in Charting Our Course: mcul.org/chartingacourse

The CrediT Union differenCe

As not-for-profit cooperatives that provide low-cost, high-quality financial services to their members, credit unions occupy a unique place in an increasingly crowded financial services marketplace. While our competitors are driven to generate profits for shareholder return, our focus is on providing the highest quality member experience at the most reasonable cost. In order to grow our market share in this fiercely competitive environment, it is critical that we continue to cooperatively pool our resources and differentiate ourselves from banks and other competitors.

The CU Link CooperaTive adverTising Campaign

adding value

The CU Link campaign is designed to maximize every dollar that your credit union invests. By developing a sophisticated, high-quality, professionally produced campaign utilizing consumer-tested messages, we have steadily increased credit union participation and confidence in the annual initiative. Those credit unions willing to leverage even further by integrating their own marketing efforts in with the state-wide campaign realize even greater return on their investment.

u For this year’s effort, MCUL and CUSG have invested over $1 million in the campaign – more than twice as much as the next highest contributing league.

u Once again, credit unions that invest their Full Fair Share contribution will receive 50 percent of their investment back to use for integrated marketing initiatives.

u As always, integration materials and guidelines have been created so that credit unions can easily leverage the state-wide media buy.

moving the needle

Our recent membership gains and other positive results can be partially attributed to our aggressive cooperative advertising efforts. The campaign uses a variety of messages clustered around core themes designed to enhance credit union share of wallet; and at the same time reinforces credit union member acquisition efforts.

u In 2004, only 56 percent of consumers reported that they would consider a credit union. That number that has steadily climbed to 82 percent in 2014.*

u Credit union consideration has been significantly higher than bank consideration since 2012, and continues to rise.*

u Over 60 percent of Michigan consumers recall seeing or hearing credit union advertising.*

u In the past 10 years, the combined efforts of cooperative advertising and individual credit union advertising have helped Michigan credit unions gain more than 240,000 members – despite declines in the state’s population during the same time period.

u Michigan credit unions continue to report increasing loan growth, higher earnings and increased deposit market share.

The CU Link Cooperative Advertising Campaign is the largest voluntary credit union cooperative advertising initiative in the country; and our hard work is paying dividends! One positive indicator—Michigan credit unions continue to see steady growth in both membership and asset size. Additionally, a higher percentage of Michigan consumers than ever before would choose a credit union as their primary financial institution.

*Source: 2014 Annual Credit Union Difference Study

looking ahead

While we have made much progress in the last several years, we can’t afford to rest on our laurels. Wall Street banks have rebounded after the financial turmoil, and we have a lot of work to do in cultivating members in the ranks of Gen Y, many of whom are skeptical of traditional banking institutions.

u Digital tactics have been shown to resonate nearly as well as radio and television with the under 35 age demographic. They are cost efficient and easily measurable in terms of return on investment. Recognizing the need to connect with the younger demographic, digital tactics are projected to increase to 25 percent of the overall media buy.

u We continue to sponsor community events in order to find new and non-traditional ways to connect with those in the younger demographic. To ensure that our creative and messaging resonates with consumers, we have conducted focus group testing for the 2016 campaign.

u In order to further encourage 100 percent voluntary CU Link participation, starting in 2016 we will be changing the MCUL dues structure. Credit unions making a minimum voluntary CU Link contribution will be eligible for a “Premier” dues schedule, which will be 50 percent less than our already low dues.

we all have a role

While we’ve made significant inroads with consumer awareness and membership growth, our continued success is dependent upon future credit union commitment to this initiative.

Make your Full Fair Share contribution to the CU Link Cooperative Advertising Campaign.

Create a line item in your budget for your contribution to CU Link.

Integrate your credit union’s individual marketing efforts into the CU Link campaign to leverage the statewide multi-media effort—help amplify the campaign and realize greater return on your investment!

Choose to be a Premier member and enjoy reduced dues while supporting the highly successful and effective CU Link campaign.

*Source: 2014 Annual Credit Union Difference Study

DEPOSIT CONSIDERATION TRACKING

100%

80%

60%

40%

20%

0%2004 2005 2006 2007 2008 2009 2011 2012 2013 2014

Consider CU Consider Bank

78%

56% 60% 59% 62% 64%

74% 73% 73%77%

78% 77% 76% 76%72%

76% 79% 80% 82%

Michigan credit unions are integral parts of their local neighborhoods, helping create stable and thriving communities. Our social mission drives community involvement – it’s what compels credit unions to reach beyond the confines of their membership to positively impact society at large, including people of modest means. Credit unions don’t do this because the law requires it; they do it because it’s the right thing to do!

The CommuniTy ReinvesTmenT iniTiaTive

making a differenCe

Credit union social mission activities come in all shapes and sizes. From school based credit unions, to financial literacy events, to specialized programs designed to get members out from under the thumb of payday lenders—credit unions continue to innovate, and members continue to benefit from these good works. To leverage these efforts, MCUL has created and invested in a number of turnkey financial literacy solutions that are made available, free of charge, for credit unions to use in local communities across the state.

u Michigan has 343 credit union branches in areas designated by the U.S. government as low-income, and 29 credit unions registered as Community Development Financial Institutions.

u 33 Michigan credit unions offer community development loans, and 91 offer economic development loans.

u 144 Michigan credit unions offer short-term lending products as an alternative to the predatory services of payday lenders. More than 67,000 of these loans have been originated for more than $128 million.

u Save to Win, a joint venture of MCUL and CU Solutions Group, has resulted in more than $100 million saved nationwide since 2009.

u Skilled trades materials developed by MCUL have been presented to over 1,000 school counselors and business educators across Michigan.

u Michigan leads the nation in student-run credit unions with 49 cooperatives operating 301 in-school branches with more than 66,000 student members.

in Prizes Awarded Members Nationwide

82% Account Rollover Rate

14,000+$1.6 million

reinventing the miChigan Credit union foundation

We have worked closely with the MCUF to sharpen its focus and to create a clearly understood value proposition for Michigan credit unions. In the future, the MCUF will ramp up efforts to help Michigan credit unions serve local communities across the state by offering more community reinvestment grants and more aggressively funding financial education efforts, like our highly successful financial education fairs. Providing professional development for credit union professionals will still remain a priority, but we increasingly will be looking to the MCUF as a source of innovative examples of credit unions making a difference in local communities through the use of small dollar—high impact grants.

u In 2014, eight grants were issued to leverage local community initiatives and conduct financial education fairs.

u The MCUF provided 19 scholarships in 2014 to help credit union professionals sharpen skills and obtain valuable training.

u With 135 donors in 2014, we started with a strong base of support; and will be stepping up efforts to build our aggregate donations by increasing the percentage of credit unions participating, and net contribution per credit union.

u CU Solutions Group, and its member discount program Love My Credit Union Rewards, are teaming up with CUNA to make charitable donations in the name of individual credit unions through our first annual Share the Love campaign.

taking aCtion in your Community

Michigan credit unions do more than talk the talk—they walk the walk. We stuck by Michigan communities and small businesses, even at the height of the recent financial turmoil, because credit unions don’t answer to shareholders demanding quick profits. Instead, credit unions look for ways to provide enhanced levels of service for their members by encouraging thrift and building community resilience.

Make a corporate contribution to the Michigan Credit Union Foundation.

Identify a worthwhile community project that embodies the CU Difference and apply for a Community Reinvestment Grant.

Participate in the MCUL Annual Community Reinvestment Survey.

Encourage your up-and-coming leaders to apply for an education scholarship.

Host a financial reality fair at your credit union, or sponsor an event with neighboring credit unions through your chapter.

Identify proactive ways that you can use the Career and Technical Training Guide in your outreach activities to your members and the broader community.

MEMBERS receive services MILLION IN DIRECT financialbenefits to members

$97 per member household

4,726,000 $230.3 $51 PER MEMBER/

“to give real serviCe you must add something whiCh Cannot be bought or measured with money,

and that is sinCerity and integrity.”

– douglas adams

foster serviCe exCellenCe

FOSTER SERVICE EXCELLEN

CE

ContaCt information

CU Solutions Group Home: cusolutionsgroup.com

CUBE TV: mi.cubetvonline.com

Compease: hrperformancesolutions.net

Love My Credit Union Rewards: lovemycreditunion.org

RapidAdvance: rapidadvance.com

Take Part in Charting Our Course: mcul.org/chartingacourse

Foster service excellence

At CU Solutions Group, we help credit unions serve, grow and build financial strength. Our goal is to not only stay relevant in the ever-changing financial services industry, but to lead and innovate. It’s essential to be in a constant state of self-improvement through reassessment and reinvention. With the help and support of credit unions across the country, we plan to do just that.

Technology SolutionsOffering secure and reliable design, hosting and mobile solutions for remote service delivery.Core Solutions:u Design and Build Solutionsu Web Enhancement Solutionsu Scalable Mobile App Solutionsu Website Design and Hosting Solutions

Marketing SolutionsOffering niche marketing solutions that integrate with credit unions’ existing marketing functions.Core Solutions:u Targeted Advertising and Big Data Solutionsu Prize-linked Promotion Solutions u Financial Education Solutions

HR Performance SolutionsOffering best in class salary and performance management tools that align employees’ performance with strategic goals, and increase productivity and financial strength. Core Solutions:u Performance Management Solutions u Compensation Solutions u Product-led HR Consulting

Membership Enhancement SolutionsOffering award-winning national rewards programs that help build loyalty, increase vehicle loans and credit/debit card usage, and generate non-interest income. Core Solutions:u GM Credit Union Member Discount u Sprint Credit Union Member Discount u TurboTax Online Credit Union Member Discountu Credit Union Auto Club

Lending & Operations SolutionsHelping credit unions improve planning, governance and compliance systems while saying “yes” to more loans, deposits and members.Core Solutions:u Product-led Governance and Compliance Consulting

Custom Training

Michigan SolutionsProviding partner-based insurance, networking and card solutions for Michigan credit unions.Core Solutions:u Insurance and Benefits Solutions u Card Solutions u ATM/Branch Networking Solutions

CU Solutions Group serves the credit union industry by offering essential solutions in six key areas: marketing, technology, membership enhancements, performance management, lending & operations and Michigan solutions. CU Solutions Group is owned by 101 investors including the Michigan Credit Union League (67%), other leagues, credit unions and credit union system organizations.

teChnology solutions

Our Technology Solutions team has an established track record of building robust applications that serve the credit union industry. We offer everything a credit union needs to create a full-service online branch, and are always looking for the next innovation that will help you succeed.

u Our Technology Solutions team provides high-caliber services to more than 360 credit unions.

u Through design and build, we’ve produced technology applications for credit unions such as Performance Pro, Compease, ComplySight and PolicyPro.

u Through well-executed responsive design, we continue to produce award-winning websites that help credit unions engage their members across all devices.

u We offer secure hosting and access to a content management system that was constructed specifically to meet the needs of credit unions.

marketing solutions

Our Marketing Solutions help credit unions optimize marketing dollars by spending them on tactics with high return on investment. From developing a content marketing concept, planning and targeting your audiences, executing tactics or measuring your efforts, CU Solutions Group can help through every step of the process.

u We provide customized and targeted marketing to more than 230 credit unions across the country.

u We leverage geo-targeted marketing tactics such as GSTV to increase campaign performance.

u Our marketing efforts meet the credit union mission through programs like Save to Win.

u Big data leads to big advantages with targeted advertising partners Resonate and Rocket Fuel.

membership enhanCement

All of our Membership Enhancement programs are developed to provide real value to both your credit union and your members. These programs have been shown to increase loan volume, credit and debit card transactions, and non-interest income; all this in addition to providing more value and savings for your members.

u The Membership Enhancement Solutions team serves nearly 4,000 credit unions.

u Great savings from the auto discount program helped bring more than 373,000 loans to credit unions.

u Our Love My Credit Union Rewards program features exclusive discounts for credit unions and their members, and has resulted in more than $1.1 billion saved since its inception.

hr performanCe

Credit unions are built on the talent of effective employees. We’re not only committed to providing our credit union clients with exceptional solutions and services, but to saving them time and money as well. With products like Performance Pro, Compease, and PolicyPro, we help credit unions and their employees by increasing employee productivity and reducing administrative costs.

u HR Performance Solutions provides assistance to more than 1,400 clients.

u We offer affordable and customizable online management solutions. Performance Pro is designed to simplify and improve performance management in a simple and comprehensive implementation.

u Compease provide credit unions with accurate and reliable industry data that helps attract and retain high-caliber talent in all positions.

lending & operations

This new department was created last year to help credit unions to say YES to more loans, deposits and members. We offer customized training to improve process implementation, credit union culture and human resource issues through on-site staff development and strategic planning services.

u Our recently launched Lending & Operations division currently serves more than 100 credit unions.

u Providing solutions that help guide your credit union through regulation and risk-management allows you to give more time and attention to engaging members.

u We deliver compliance solutions like ComplySight, an all-in-one application that addresses tracking, visibility, measurement and reporting.

u We continue to introduce new ways for credit unions to expand their loan portfolios and connect with more members through offerings like LoanPlus CMS and RapidAdvance.

miChigan solutions

From end-to-end credit and debit card processing, to providing employee benefits and insurance, to granting your members access to surcharge free ATMs – service excellence starts right here at home in Michigan.

u From top to bottom, Michigan Solutions serves more than 260 credit unions across the state.

u We provide best-in-class card solutions through partnerships with CUNA, FIS and Card Services for Credit Unions (CSCU).

u CUNA Mutual Group and the Salus Group enhance insurance and benefits solutions for credit unions and their members.

u Michigan credit union members enjoy access to more than 30,000 fee-free ATMs, and 5,000 shared branches through CO-OP Financial Services.

Reinvention Begins HeRe

More than ever, mounting pressure is being placed on small asset size credit unions. From leagues to

CUSOs, there are many entities in the credit union space that provide services for small asset size credit unions, and CU Solutions Group is no different. Ranging from website design and turnkey campaigns to performance management software and operational webinars, CU Essentials levels the playing field for smaller credit unions by making many of the solutions they need to grow more accessible. Product highlights include:

u Website design and hosting packages with integrated responsive design templates, customizable banners and SAS Web Maintenance Plans.

u Mobile and online banking applications at reduced cost.

u Our Create-a-Campaign marketing package including a host of easy-to-use, targeted templates for simple and professional marketing campaign development and implementation.

u Performance Pro – an industry leader in talent management applications – free for the first year.

u Fifty percent off when you bundle two of the following services – training, strategic planning or board governance.

Two of our newest programs truly reflect the principle of reinvention, and CU Solutions Group’scommitment to delivering innovative products and services. Our CU Essentials package takes keyofferings from CU Solutions Group, and resizes them to create a comprehensive bundle of products that fit the needs of small asset size credit unions. The Share the Love Campaign focuses on community involvement, charity and goodwill through social engagement with credit union members. Both embody the spirit of reinvention and furthering the credit union movement.

take advantage

We understand how precious time and resources can be for small asset size credit unions. Allow us to shoulder some of the load by taking advantage of this exceptional bundle of products and services.

Launch a new website through one of three website design and hosting packages with predefined responsive design templates, generic banners and SAS Web Maintenance Plans.

Integrate mobile and online banking services at a reduced price.

Utilize CU Essentials marketing products like Create-a-Campaign to improve the performance of upcoming marketing campaigns.

Streamline talent management by getting your first year of Performance Pro free.

Visit cusolutionsgroup.com/cuessentials for more information; including guidelines for these great offers.

CU Solutions Group and its member discount program Love My Credit Union Rewards are teaming up

with CUNA to help credit unions do what they do best – help their communities. Share the Love is a five-month campaign that asks credit unions nationwide to create and submit videos on how they give back in their neighborhoods. Winning credit unions will receive donations on their behalf to their charity of choice.

u Videos will be displayed at LoveMyCreditUnion.org for consumers to view and vote for their favorite credit union video.

u Members can also access the campaign link by visiting ASmarterChoice.org.

u By the end of the campaign, up to $105,000 will be awarded to charities.

u There will also be a sweepstakes component; with prizes available to consumers who register votes for credit union videos.

u There will be three prizing phases for each month the contest is open, each with a separate prize pool for a total of $15,000 in consumer prizes.

partiCipation is the key

We know that you pay it forward in your community, and we want to help spread your message. Get involved and start sharing the love today!

Make sure you’re registered at LoveMyCreditUnion.org/partnercenter to receive updates on the launch of the Share the Love campaign.

Watch your inbox for important dates and guidelines.

Start thinking about the wonderful work you have done in your community – and how you would capture it in a video.

Make a list of your favorite charities; ones that would benefit most from Share the Love donations.

Take Part in Charting Our Course: mcul.org/chartingacourse

Headquarters: 101 S. Washington Square, Suite 900, Lansing, Michigan 48933 Livonia Office: 38695 W. Seven Mile Road, Suite 200, Livonia, Michigan 48152

Mailing Address: P.O. Box 8054, Plymouth, Michigan 48170-8054 Toll-Free: 800.262.6285 | Website: www.mcul.org