TBA Credit Union

A.Individuals who reside, are employed, or worship in Antrim, Benzie, Grand Traverse, Kalkaska, and Leelenau County, Michigan.

B.Members of record as of November 5, 2002, the effective date of conversion to a community charter.

C.Employees, retirees, trustees, volunteers and board members of the Northwestern Michigan College, and the schools served by the Traverse Bay Intermediate School District.

D.Members of the Grand Traverse Area Retired School Personnel.

E.Employees of Central Lake Public Schools.

F.Students enrolled in the educational institutions in the above field of membership.

G.Alumni of the Northwestern Michigan College of Traverse City.

H.Any person over the age of 55 who receives a retirement annuity, pension, social security, or similar retirement payment from private or government sources, and lives in, or belongs to a retirement organization located in the county, or in a county contiguous to the county where the credit union's main office is located.

I.Employees of this credit union.

J.Members of the immediate families of the foregoing.

K.Organizations, incorporated or otherwise, composed for the most part of the same general group making up the membership outlined above.

A spouse of a deceased member if elected to membership prior to remarriage.

A subscribing member shall not be eligible to vote or hold office until one fully paid share is owned.