80th Annual Meeting
of St. Cloud Federal Credit Union

Saturday, March 20, 2010
Holiday Inn, 37th Avenue and West Division Street

Cost of Breakfast: $5.00 per person
The only cost is for the breakfast.
Tickets are on sale now at both credit union locations.

The 2009 Annual Meeting (report of 2009 business) is a breakfast meeting and is open to ALL MEMBERS.

Annual Meeting Agenda
8:30 to 9:00 AM	Breakfast
9:00 to 9:30 AM	Choice of Two Financial Seminars: Converting Your Regular IRA To A Roth IRA In 2010 - How Does It Benefit You?  - by Dean Bertsch, Financial Advisor Ease the potential confusion and make a well-informed decision. Why even consider converting to a Roth IRA? Does it make sense for you? How would your taxes be affected by converting to a Roth IRA? Mortgage Opportunities For Home Buyers In Today's Market - by Jim Arnold, Mortgage Loan Officer Foreclosures, modifications, bailouts, etc. Rates - who do they really benefit? Loan Products - two years ago versus today. Reverse Mortgages Tax credits, first-time buyer incentives.
We are leaving extra time between the seminars and the meeting to leave time for your questions about the seminar topics.
10:00 to 10:30 AM	Business Meeting