Summer 2009 FEDERAL CREDIT UNION 0 to 47 Mos

51035-Q2-0609 Beach Municipal Federal Credit Union LOCATIONS 4164 Va. Beach Blvd. Thalia Branch Va. Beach, VA 23452 4164 Virginia Beach Blvd. 757.333.7787 Addendum Virginia Beach, VA 23452 LOBBY & DRIVE THRU HOURS This Addendum is incorporated into and becomes a part of your Loanliner Credit Agreement. Please keep Mon. - Thurs. 9am - 5pm this attached to your LOANLINER Credit Agreement. Fri. & City Paydays 9am - 5:30pm Sat. 9am - 1pm

Effective Date 4/1/2009 Replaces Addendum Dated 6/1/2008 Courthouse Marketplace Branch SUB-ACCOUNT APPROX. DAILY *ANNUAL PAYMENT 2476 Nimmo Parkway, Suite 122 DESCRIPTION TERM PERIODIC PERCENTAGE SCHEDULE Virginia Beach, VA 23456 RATE RATE* LOBBY HOURS A PUBLICATION OF Mon. - Fri. 9am - 5:30pm BEACH MUNICIPAL Secured Loans (Autos, Motorcycles, Boats, RVs, etc.) Sat. 9am - 1pm Summer 2009 FEDERAL CREDIT UNION 0 to 47 Mos. .0116% - .0418% 4.75% - 15.25% Mortgage Lending Services DRIVE-THRU & ATM 48 to 59 Mos. .0137% - .0445% 5.00% - 16.25% 2501 Courthouse Drive Virginia Beach, VA 23456 60 to 83 Mos. .0144% - .0459% 5.25% - 16.75% MORTGAGE DEPARTMENT HOURS Mon. - Fri. 9am - 5pm 84 to 144 Mos. .0162% - .0274% 5.90% - 10.00% Introducing Our 2009 DRIVE-THRU HOURS Education Scholarship Winner! Personal Loans 60 Mos. .0245% - .0492% 8.95% - 17.95% $25.00 Min. Monthly Mon. - Fri. 8:30am - 5:30pm We are pleased to announce that April West is the recipient of the Personal Line of Credit .0245% - .0492% 8.95% - 17.95% $25.00 Min. Monthly WEB www.beachmunicipal.org 2009 Beach Municipal Federal Credit Union Education Scholarship. Overdraft Line of Credit .0273% - .0492% 9.95% - 17.95% $25.00 Min. Monthly 2004-2009 April has been awarded $2,500 based on her academic achievements, IMPORTANT PHONE NUMBERS Best of the Beach extracurricular activities, and commitment to the community. Share Secured Loans 3% Above Share Rate, floor rate of 4.00% Main: 757.333.7787 Main Fax: 757.333.7868 The management and staff would like to April, a graduate of Ocean Lakes High School, plans to study thank you, our members, for once again Certificate Secured Loans 2% Above Certificate Rate, floor rate of 4.00% P.A.T. (Phone Audio Teller) Biology with an emphasis on Physical or Occupational Therapy at voting us Best Financial Institution of Virginia The Annual Percentage Rate (APR) will be the dividend rate being paid on the Certificate offered as 1.800.391.9007 the University of Virginia. As a student, April participated in the Beach. As a result of your support, we have security plus 2%. The Certificate must be renewed until the advance plus interest is completely paid. National Honor Society, National Spanish Honor Society, SCA, been recognized as a Best of the Beach Failure to renew will result in default under the Plan. When a Certificate is renewed, the APR will change BOARD OF DIRECTORS Varsity Gymnastics as well as Varsity Cheerleading for her entire high winner for the past six years. We appreciate to reflect the new dividend rate. Any increase will result in higher payments. The present APR will be Nianza Wallace school career. Among her many awards and honors, she received Chairperson your vote of confidence and for giving us the disclosed at the time of the advance. an Academic Excellence Award each year and was presented the opportunity to serve you. Personal Line of Credit and Overdraft Line of Credit: Kevin Cartino Our members President’s Volunteer Service Award her senior year. In her spare time she has served as a The Credit Union will establish your credit limit for these loans. Your line of credit is an open end loan Vice Chairperson are the best! volunteer for special needs foster care children and at Sentara Virginia Beach General Hospital. and is subject to review no less than every 24 months. A credit report will be obtained and your APR may Bill Siverd be adjusted in the future, depending on your credit score. Your credit limit may be continued, increased, Secretary Without a doubt, April exemplifies the values of leadership, integrity and service upon which Beach Municipal Federal Credit Union was founded. Please join us in wishing her the best decreased, or closed based on information obtained from your credit report. Robert W. Hall Take Your Credit Collection Cost: You promise to pay all costs of collection including court costs and attorney fees of Treasurer Union to College of luck in school and in the future. 33 1/3% of the principal and interest due at the time of referral. You agree that the LoanLiner Plan and Kathryn (Kitty) Hill its documents shall be construed under Virginia law and consent to venue in the Circuit Court and the Board Member The start of another college semester is just General District Court for the City of Virginia Beach. around the corner – and so are tuition bills, William (Bill) Meador Late Fees: For all Sub-account loan balances, a late fee of 5% of the payment (principal and interest) due, computer expenses, book fees and more. Board Member Can you tell me how to get with a minimum of $25, will be charged on payments 5 or more days late. We can help you manage those costs with to Sesame Street? Relationship Rate Discount: You will receive a .25% reduction in your Annual Percentage Rate on Personal or Lois Ritger the right loan to fit your particular needs. We Secured Loans, up to a maximum of .50%, if you have: a. Direct Deposit of net pay, b. $5,000 or more in Board Member offer Federal Stafford student loans, Federal Elmo, Big Bird, Abby Cadabby and other Sesame Street characters are at a share certificate, c. payment by payroll deduction, ACH or automatic transfer, d. online loan application. SUPERVISORY COMMITTEE Plus loans for parents, Home Equity Loans, the world’s most beautiful theme park. Busch Gardens presents Sesame Street Forest If these relationships stop for any reason, your Annual Percentage Rate will increase by the amount of [email protected] and personal loans that can help ease the of Fun just for children and their families. The new area features family-friendly rides, your relationship discount and your payment will be increased or you will pay longer on the loan. At no financial burden. Beach Municipal also has playgrounds and a 4-D Sesame Street movie. Kids can meet their favorite Sesame time will your Annual Percentage Rate including discounts go lower than our designated floor rate of 4%. P.O. Box 9213 Virginia Beach, VA 23450 a variety of services that are ideal for college Street character and get their picture taken with them as well. Visit students, such as low rate credit cards that www.buschgardens.com/va for the latest information. Chairperson, Bob Hayes will help you build a credit history, no- NEW SATURDAY HOURS Secretary, Rusty Bedard fee checking, and low rate auto loans. No Purchase your single-day tickets from Beach Municipal NOT ENOUGH TIME TO STOP BY THE CREDIT UNION DURING THE WEEK? Member, Sharon Prescott matter what your financial needs are, go to and save $$$! Visit one of our main branches and pick Member, Becky Taylor-Schmidt Our Thalia and Marketplace branches are now open on Saturdays from 9am to 1pm to serve all your school this fall focusing on your classes… up your tickets for the discounted price of only and not your expenses. $48.95 (adults) and $38.95 (children ages 3-9)! financial needs! Stop in to apply for a loan, open a checking account, sign up for Virtual Branch Home CHIEF EXECUTIVE OFFICER Banking or any other service. Kimberly Shore Looking for other ways to have fun this summer? Your credit During the week, our Thalia location's hours will remain Monday through Thursday, 9am - 5pm, with union also sells discounted passes to Water Country USA and expanded hours to 5:30pm on Fridays and City Paydays and the Courthouse Marketplace branch will Regal Cinemas. Visit our website for more information. be open Monday through Friday, 9:00am - 5:30pm. The Courthouse Drive-Thru (Building 4) is open Monday through Friday from 8:30am - 5:30pm, and our ATMs, which are located at all three branches, are available 24/7 for your convenience. We look forward to seeing you soon! 4 1 Q&A Welcome to SM STANDARD What is UChoose Rewards ? PRESORTED SM PERMIT NO. 1121 HACKENSACK, NJ

UChoose Rewards is a rewards program where you earn U.S. PAID POSTAGE points for choosing to use your [FI NAME][CARD UChoose Rewards NAME]. Redeem your points for anything of your choice from a huge online rewards catalog. SM

How do I earn points? Your Consumer Library You earn [# points per $] every time you choose to use your [CARD NAME]. When shopping in-store, select on the Web credit and sign for your purchases. Your financial institution may also reward points for other financial prodcts/services. Your everyday decisions are easier with the help of our new Home & Family Finance Resource Check with [FI NAME] for more point earning Center. This online guide features facts about the topics that opportunities. You shop. matter to you, from credit card fraud to saving for your Where can I earn points? You earn points everywhere your [card is/cards are] accepted. You earn. children's education. Any Road Any When can I redeem points? You choose. It can take up to 40 days for your points to be credited to BANK 555 10001 US Anytown, Considering leasing a car? your account. You must accumulate [POINT THRESH- It’s that simple. Looking for an easier way to file your taxes? OLD AMOUNT] points before you can redeem your points. We keep track of all the points you earn and will Holiday Closings Wondering how much life insurance you need? help you find just what you’re looking for when you’re Beach Municipal Federal Credit ready to redeem. We even have a Wish List Tracker that Union will be closed in observance will let you know when you’ve earned enough to redeem If you answered "yes" to any of these questions, visit the Home & Family Finance Resource a specific item. of the following holidays: Center where you'll find hundreds of articles with valuable facts that may alter your thinking. Can I share points with family members? All cards within an account automatically earn points INDEPENDENCE DAY together. In addition, if you have multiple debit or credit Even if you answered "no," explore the Resource Center and check out the Financial Fitness accounts with [FI NAME] you can link them together to Friday, July 3, 2009 Challenge where you could win cash for pumping up your financial fitness knowledge. earn rewards faster. Saturday, July 4, 2009 With UChoose Rewards, you choose Where can I view my point activity? — where to shop and what to get for all You can access the history of your point activity through SM Each month, the Financial Fitness Challenge brings you a mix of options: want. www.uchooserewards.com. the points you earn. Most rewards

LABOR DAY U n A big picture task—say, calculating your net worth—that you can tackle to make progress on programs have limited options on Monday, September 7, 2009 How much does it cost to participate? your financial fitness goals There’s no cost. Membership in UChoose Rewards is Rewards where to shop and it takes forever for n A consumer protection or maintenance task—for example, a reminder to claim flex benefits absolutely free for [FI NAME] cardholders, so start using your card and earning points today. your points to accumulate. UChoose before they expire FI LOGO Rewards changesFI LOGO all of that. 555 Any Road US 10001 Anytown, UChoose n “Set it and forget it”—ideas to automate some financial chores so you don’t have to address more options, more choices, more of what the same question over and over There’s never been a better time to How To Choose A Strong Online Password start using your Beach Municipal VISA Beach Municipal places the highest priority on keeping our members’ financial information safe We’ll give you the tools you need to follow through with the Challenge, right on our website. or MasterCard credit card for your and our privacy policies and practices ensure that your data is secure at all times. Plus, you'll have a chance to win a $50 VISA gift card. Each month, up to 10 gift cards are everyday needs. Simply use your card at randomly awarded to Financial Fitness Challenge participants. You only have to register to be gas stations, supermarkets, drugstores, You can help protect your information, too. Choosing strong online passwords is one of the most eligible. malls, or anywhere else. Remember important steps you can take in terms of keeping your data safe. Different systems may have specific to sign for your purchases to earn the password requirements, but here are some things to consider when creating your password: Ahoy! It’s Our Youth Just click on the Home & Family Finance Resource Center logo on our website and be sure to most points. The more you shop and return each week for updated news and fresh features. sign, the more you earn, and the more Week Winner! n DO make it long. Your passwords should be eight or more characters in length; 14 characters you earn, the more you are rewarded. Please join us in congratulating Hailey or longer is ideal. The longer the password, the safer it is. Villalpando, our 2009 National Credit n DO use completely random alphanumeric characters and always combine letters, numbers, and Don’t have a Beach Municipal VISA or Union Youth Week winner! Six year punctuation. For example, "Rover9" is a weak password while “3T$VT@N8” is a strong one. MasterCard credit card? Apply today old Hailey, who has been a member n DO use words and phrases that are easy for you to remember, but difficult for others to guess. and enjoy all the benefits that come of Beach Municipal since she was 18 All Roads Lead to n DON’T use your first, middle, or last name in any form and DON’T use passwords with other with a Beach Municipal credit card: months old, entered information easily obtained about you (hobbies, pets, names of family members, etc.). our drawing to n DO change your passwords often. The stronger the password, though, the longer you can n Low Rates win two tickets to Beach keep it. Passwords with more than 14 characters only need to be changed every couple of n Same Rate for Cash Advances, Busch Gardens and years or so. Purchases, and Balance Transfers a special Sesame n DO alert the company if you ever believe your password has been compromised or someone n No Annual Fee or Hidden Fees Street package. Municipal FCU other than you is accessing your account. n UChoose Rewards Points on All Hailey’s name was Competitive Rates • Flexible Terms n DON’T keep your passwords in a purse or wallet. Because most of us have so many to Purchases* Flexible Underwriting • Convenient Payment Options chosen at random remember, writing passwords down may become a necessity. However, all passwords need n No Transaction Fee for Cash from all of our Reduce our already to be adequately protected. Generally speaking, passwords written on a piece of paper and Advances or Purchases qualified entries. low auto loan rates up n Online Shopping Protection to an additional 1/2%* secured in a locked file are more difficult to compromise than those stored online or in a with any two of the following: computer or PDA. n Online Account Management Hailey is a member of our kids club. If • Direct deposit of net pay n DON’T provide your password via email or based on an email request. An email that requests with SafeCard at our website, • $5,000 or more in a Beach Municipal FCU you’re 12 years old or younger, you too Share Certificate your password or requests that you go to a website to verify your password is almost certainly www.beachmunicipal.org. • Payroll Payment, ACH Payment or are invited to join Long John Saver and his Auto Transfer fraudulent. crew. Long John Saver is a smart pirate who • Using our online loan application For full details or to apply for a Beach Municipal credit card, knows how to make your treasure grow. You can test the strength of your password with Password Checker on Microsoft’s website. Password Put the power of credit union please contact our Lending Services Contact the credit union or go online at Checker, which does not collect, store, or transmit your information, can help you gauge the strength financing behind you! Department or visit us online. www.beachmunicipal.org to learn more. of your password based on its vulnerability to hacking. The site is for personal reference only and * Certain restrictions apply. Please see a loan officer for complete details. doesAvailable not guarantee atthe securityBeach of the Municipal password itself, but Federal it is a good placeCredit to start. Union Congratulations, Hailey! *Not available with a FirstCard MasterCard. 2 3 Q&A Welcome to SM STANDARD What is UChoose Rewards ? PRESORTED SM PERMIT NO. 1121 HACKENSACK, NJ

LABOR DAY U n A big picture task—say, calculating your net worth—that you can tackle to make progress on programs have limited options on Monday, September 7, 2009 How much does it cost to participate? your financial fitness goals There’s no cost. Membership in UChoose Rewards is Rewards where to shop and it takes forever for n A consumer protection or maintenance task—for example, a reminder to claim flex benefits absolutely free for [FI NAME] cardholders, so start using your card and earning points today. your points to accumulate. UChoose before they expire FI LOGO Rewards changesFI LOGO all of that. 555 Any Road US 10001 Anytown, UChoose n “Set it and forget it”—ideas to automate some financial chores so you don’t have to address more options, more choices, more of what the same question over and over There’s never been a better time to How To Choose A Strong Online Password start using your Beach Municipal VISA Beach Municipal places the highest priority on keeping our members’ financial information safe We’ll give you the tools you need to follow through with the Challenge, right on our website. or MasterCard credit card for your and our privacy policies and practices ensure that your data is secure at all times. Plus, you'll have a chance to win a $50 VISA gift card. Each month, up to 10 gift cards are everyday needs. Simply use your card at randomly awarded to Financial Fitness Challenge participants. You only have to register to be gas stations, supermarkets, drugstores, You can help protect your information, too. Choosing strong online passwords is one of the most eligible. malls, or anywhere else. Remember important steps you can take in terms of keeping your data safe. Different systems may have specific to sign for your purchases to earn the password requirements, but here are some things to consider when creating your password: Ahoy! It’s Our Youth Just click on the Home & Family Finance Resource Center logo on our website and be sure to most points. The more you shop and return each week for updated news and fresh features. sign, the more you earn, and the more Week Winner! n DO make it long. Your passwords should be eight or more characters in length; 14 characters you earn, the more you are rewarded. Please join us in congratulating Hailey or longer is ideal. The longer the password, the safer it is. Villalpando, our 2009 National Credit n DO use completely random alphanumeric characters and always combine letters, numbers, and Don’t have a Beach Municipal VISA or Union Youth Week winner! Six year punctuation. For example, "Rover9" is a weak password while “3T$VT@N8” is a strong one. MasterCard credit card? Apply today old Hailey, who has been a member n DO use words and phrases that are easy for you to remember, but difficult for others to guess. and enjoy all the benefits that come of Beach Municipal since she was 18 All Roads Lead to n DON’T use your first, middle, or last name in any form and DON’T use passwords with other with a Beach Municipal credit card: months old, entered information easily obtained about you (hobbies, pets, names of family members, etc.). our drawing to n DO change your passwords often. The stronger the password, though, the longer you can n Low Rates win two tickets to Beach keep it. Passwords with more than 14 characters only need to be changed every couple of n Same Rate for Cash Advances, Busch Gardens and years or so. Purchases, and Balance Transfers a special Sesame n DO alert the company if you ever believe your password has been compromised or someone n No Annual Fee or Hidden Fees Street package. Municipal FCU other than you is accessing your account. n UChoose Rewards Points on All Hailey’s name was Competitive Rates • Flexible Terms n DON’T keep your passwords in a purse or wallet. Because most of us have so many to Purchases* Flexible Underwriting • Convenient Payment Options chosen at random remember, writing passwords down may become a necessity. However, all passwords need n No Transaction Fee for Cash from all of our Reduce our already to be adequately protected. Generally speaking, passwords written on a piece of paper and Advances or Purchases qualified entries. low auto loan rates up n Online Shopping Protection to an additional 1/2%* secured in a locked file are more difficult to compromise than those stored online or in a with any two of the following: computer or PDA. n Online Account Management Hailey is a member of our kids club. If • Direct deposit of net pay n DON’T provide your password via email or based on an email request. An email that requests with SafeCard at our website, • $5,000 or more in a Beach Municipal FCU you’re 12 years old or younger, you too Share Certificate your password or requests that you go to a website to verify your password is almost certainly www.beachmunicipal.org. • Payroll Payment, ACH Payment or are invited to join Long John Saver and his Auto Transfer fraudulent. crew. Long John Saver is a smart pirate who • Using our online loan application For full details or to apply for a Beach Municipal credit card, knows how to make your treasure grow. You can test the strength of your password with Password Checker on Microsoft’s website. Password Put the power of credit union please contact our Lending Services Contact the credit union or go online at Checker, which does not collect, store, or transmit your information, can help you gauge the strength financing behind you! Department or visit us online. www.beachmunicipal.org to learn more. of your password based on its vulnerability to hacking. The site is for personal reference only and * Certain restrictions apply. Please see a loan officer for complete details. doesAvailable not guarantee atthe securityBeach of the Municipal password itself, but Federal it is a good placeCredit to start. Union Congratulations, Hailey! *Not available with a FirstCard MasterCard. 2 3 51035-Q2-0609 Beach Municipal Federal Credit Union LOCATIONS 4164 Va. Beach Blvd. Thalia Branch Va. Beach, VA 23452 4164 Virginia Beach Blvd. 757.333.7787 Addendum Virginia Beach, VA 23452 LOBBY & DRIVE THRU HOURS This Addendum is incorporated into and becomes a part of your Loanliner Credit Agreement. Please keep Mon. - Thurs. 9am - 5pm this attached to your LOANLINER Credit Agreement. Fri. & City Paydays 9am - 5:30pm Sat. 9am - 1pm