FALL 2006 Please Make Note of the Credit Union’S Main Downtown Dallas Ofﬁce Address, Listed to the Right

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2006 Holiday Club Main Office Suite Number Change FALL 2006 Please make note of the credit union’s Main Downtown Dallas Office address, listed to the right. Disbursements The Downtown Dallas office has not physically moved, but the suite number has changed to #745. Please be advised that the Post Office has recently returned TFCU mail addressed to the old Suite #7C15 Downtown Dallas Office 1100 Commerce Street, Suite 745 While the credit union will make every effort to ensure that credit union mail Dallas, TX 75242 is forwarded to our current address, please use the correct Downtown Dallas 214-748-9556 800-242-9132 mailing address shown to the right. Fax 214-745-1124 “…Providing our members with the highest quality of financial services, helping you reach your financial goals.” Loans Texas Federal Credit Union 1100 Commerce Street, Suite 745 • Dallas, TX 75242 214-748-9556, Option 2 Fax application to (214) 745-1124 EZ Loan Application 800-242-9132, Option 2 ______Need More Dough? PURPOSE OF LOAN REQUESTED AMOUNT Federal Reserve Office For Federal Reserve Employees Only ______LAST NAME FIRST NAME INITIAL SOCIAL SECURITY NUMBER DATE OF BIRTH D.L. NUMBER Dallas, TX 75201 You’ve been saving all year long and it’s finally pay- Ext. 26344 ______Holiday Loans as off time! If you have a TFCU Holiday Club account, LAST NAME FIRST NAME INITIAL SOCIAL SECURITY NUMBER DATE OF BIRTH D.L. NUMBER DeSoto Office you will automatically receive your 2006 Holiday Club ______Drive Thru Available disbursement the first week of November. Some members STREET ADDRESS NUMBER OF DEPENDENTS 1021 E. Pleasant Run Road Low as 6.99 APR* will receive a check in the mail for the fund balance of DeSoto, TX 75115 ______With the holidays around the corner, it’s easy to put a strain on your their 2006 Holiday Club account, while others have CITY STATE ZIP PAYMENT AMNT ❏ OWN ❏ RENT YRS THERE HOME PHONE 972-228-4885 Fax: 972-228-3551 elected to have their Holiday Club money automatically budget, not to mention your nerves! Instead of stressing about gifts ______Farmers Branch Office transferred to their regular share/savings account. PREVIOUS ADDRESS (IF LESS THAN 2 YEARS AT PRESENT ADDRESS) ❏ OWN ❏ RENT YRS THERE HOME PHONE you are planning to buy and all the expenses for holiday parties and Drive Thru Available family get-togethers, why not put your mind at ease with a signature If you have been receiving your Holiday Club ______4801 Spring Valley Road, #10 EMPLOYER ADDRESS POSITION STARTING DATE PHONE loan from your credit union! disbursement check by mail, Texas Federal Credit Union Farmers Branch, Texas 75244 encourages you to consider the automatic savings transfer ______972-490-6400 Fax: 972-490-6416 With a Holiday Signature Loan, you can borrow up to $2,500 for 12 option for immediate and secure access to your Holiday EMPLOYER ADDRESS POSITION STARTING DATE PHONE months for as low as 6.99% APR!* Applying for a Holiday Loan is Club funds. With the savings transfer, you don’t have to ______Marshall Office as simple as making a phone call! Dial TFCU’s Loan Department at NOTICE: ALIMONY, CHILD SUPPORT OR SEPARATE MAINTENANCE worry about the disbursement check being delayed or lost INCOME NEED NOT BE REVEALED IF YOU DO NOT WISH TO HAVE MONTHLY SALARY NET OTHER INCOME NET Drive Thru & ATM Coming Soon! 214-748-9556 or 800-242-9132 or simply apply online 24 hours a IT CONSIDERED. TEXAS FEDERAL CREDIT UNION MAY REPORT in the mail during this busy holiday season! INFORMATION ABOUT YOUR CREDIT UNION SHARE AND LOAN 1910 Karnack Highway day, 7 days a week at www.texfed.org! An EZ loan application is also ACCOUNTS TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE Marshall, Texas 75672 available on the back page of this newsletter for added convenience! If you would like to have your 2006 Holiday Club funds REFLECTED IN YOUR CREDIT REPORT. 903-938-6262 Fax: 903-938-6316 * Qualifying members only, subject to credit approval, some restrictions apply. All rates are based on annual percentage rate (APR) calculations. transferred to your savings account instead of receiving Everything you have stated on this application is correct to the best of your knowledge. The credit union is authorized to check your disbursement check by mail, simply talk with a your credit employment history, obtain a credit report and to answer questions about their credit experience with you. You Sherman Office Personal Financial Officer at any of our branch offices, or understand that it may be a federal crime punishable by fine or imprisonment or both to knowingly make any false statements 300 W. FM 1417 concerning any of the above facts as applicable under the provisions of the United States Criminal Code. Sherman, TX 75090 call us at 1-800-242-9132 before October 31st, 2006. PLEASE NOTE: ADDITIONAL INFORMATION MAY BE REQUIRED. Fill Up On Savings! 903-870-1273 Fax: 903-893-3755 ______APPLICANT’S SIGNATURE CO-APPLICANT’S SIGNATURE DATE MEMBER NUMBER Longview Office Drive Thru Available Auto Loans As Low As 4.99%APR* 2410 S. Green Street Longview, TX 75602 With new 2007 model year cars already on dealer lots, 903-753-8641 Fax: 903-753-5272 now is a great time to take advantage of a low interest ATM Locations auto loan from your credit union! Whether you’re 1100 Commerce St., Dallas buying your first set of wheels, or upgrading to a larger Rates and Disclosures (1st and 7th floor) vehicle for your growing family, or buying the car of 1226 Commerce St., Dallas (1st Floor) your dreams, or simply refinancing a high interest auto loan, Texas Federal Credit Union will meet or beat any Current rate and yield information is available 24 hours a day 7 days a week from 525 S Griffin St., Dallas (1st Floor) 400 S. Houston St., Dallas (Union Station) car loan rate offered to our members with rates as low www.texfed.org, The N.E.T. at 214.761.9242 or 800.242.9134, or you can speak as 4.99% APR!* to a Member Service Representative by calling 214.748.9556 or 800.242.9132. 5429 LBJ Freeway, Suite 100, Dallas 4801 Spring Valley Road, Farmers Branch If you already know what make and model car you’d As a Texas Federal Credit Union member, you can Copies of updated account agreements and account services disclosures are also 1021 E. Pleasant Run Rd., DeSoto like to purchase, apply for an auto loan before you apply for a Holiday Skip-A-Payment extension to defer available at each branch location or by mail upon request. your monthly TFCU loan payment so you’ll have extra 3200 W. Pleasant Run Rd., Lancaster go to the dealership. With a pre-approved auto loan, cash this holiday season!* Simply complete the Skip- 2410 South Green St., Longview you’ll know your spending limit, have 60 days to car shop with confidence, and can take advantage of cash rebates A-Payment application inserted with your monthly 2006 Holiday Closings The N.E.T. –Telephone Teller Service offered by dealerships! statement and return it to the Loan Department. Since 24 hours, 7 days a week Our members always have three easy ways to apply for a TFCU loan – by phone, computer, or in person. TFCU’s some restrictions apply, be sure to review the reverse side Monday, October 9 Thursday, Nov. 23 & Friday, Nov. 24 214-761-9242 214-748-9556 Loan Department can be reached at 214-748-9556 or 800-242-9132 or members can apply online at www.texfed.org. of the insert for more details. This offer is good through Columbus Day Thanksgiving Holiday 800-242-9134 800-242-9132 An EZ loan application is also available on the back page of this newsletter which can be dropped off or mailed to February 28, 2007. any of our branch locations! i-N.E.T. – Online Financial Services *Qualifying members only, subject to credit approval, some Monday, November 13 Monday, December 25 www.texfed.org * Qualifying members only, subject to credit approval, some restrictions apply. All rates are based on annual percentage rate (APR) calculations. restrictions apply. Veteran’s Day Christmas Day

This year, the worldwide credit union movement will celebrate What It Is and How It Affects You Takes Planning International Credit Union Day (ICUD) on Thursday, October 19, 2006. This year’s ICUD theme is “Credit Unions: Making a World of Have you noticed changes in how you use credit cards at point of sales or new login requirements when doing online and Control Difference”. transactions? Maybe you have been asked to enter your zip code at a gas pump when using your credit or debit card, or must answer challenge questions before logging into another online account. These additional steps to verify user You say it every year after the holidays: “Next year There are now more than 43,000 credit unions in 91 countries serving identities, a.k.a. Multifactor Authentication (MFA), must be taken by all credit unions and banks by the end of 2006 as a I’m going to spend less money!” But it’s easy to 136 million members. Every day, all over the world, we offer an result of a new federal requirement. get carried away during the holidays. If you want alternative to for-profit financial institutions. As member-owned, not-for- to keep financially fit, even during the busiest profit-cooperatives, credit unions provide competition that keeps other MFA requires that there be multiple ways to “authenticate” your identity when using online services. New MFA features shopping season of the year, consider these holiday financial institution rates and fees in check. For credit unions, “people- are now being put in place by various merchants and federally insured financial institutions to verify at least two things spending tips: helping-people” is more than an international slogan – it’s our corporate that are either something you are, something you know, or something you have in order to keep unauthorized users from philosophy. gaining access to your online accounts. 1. Budget spending and set written goals: First, start with writing down your regular monthly At Texas Federal Credit Union, we strive to make a difference in your life When you access your TFCU account using i-NET (TFCU’s internet network electronic teller), a new Enhanced i-NET household income and expenses. Then, write with great loan and savings rates and the best member service possible. Login Security feature will be implemented in October. In order to comply with MFA regulations, the new Enhanced i-NET down how much you plan on spending on gifts, That’s why our vision is to be “Your Passport to Financial Success!” Login Security feature will verify your identity by testing, not only something you know, (your normal login account and food, travel, entertaining, and so on, and add pin number information), but also something you have – your personal or work computer(s). With the new MFA feature them all up. Next, determine how you’ll pay This month, as part of International Credit Union Day celebrations, in i-NET, your credit union is implementing an additional layer of security to protect you from fraud! we’d love to hear from you, our member-owners, to find out how we’ve (cash, credit, etc.) for your holiday expenditures. made a difference in your life! Whether it’s buying a new car, financing a Before year end, a new multifactor authentication feature will also be added to The NET – TFCU’s network electronic Consider cutting back on expenses in order to mortgage, getting out of debt, or saving for your children’s education, tell telephone teller. Look for more details regarding the enhanced telephone teller security features on our website and on stick to your budget. us how your credit union has helped you achieve your financial goals! your statement messages later this year. 2. Make a list and stick to it: Shop from a list Happy International Credit Union Month! With the new MFA features coming soon to The NET and i-NET, your credit union is implementing additional layers of to avoid impulse purchases that could leave you security to protect you from fraud! snowed under in debt at the end of the season. Sincerely, Remember, the credit union also offers several holiday gift ideas: Entertainment Books for $20, Discount Movie and Theme Park Tickets, Sams Please e-mail us your member testimonies at www.texfed.org Club Passes, U.S. Savings Bonds, and Passport or send by mail to: Rewards restaurant and store gift cards. Sandy Smith Texas Federal Credit Union Introducing 3. Comparison shop: Take the time to find the best President/CEO “Making a World of Difference” deal. You, not only want the perfect gift, but also 1100 Commerce Street, Suite 745, the best price! Compare costs at different stores and Dallas, Texas 75242 New Enhanced i-NET Login Security you’ll be surprised how much you can save! The i-NET is your internet network electronic teller which allows you online access to your credit union accounts 24 hours 4. Apply for a Holiday Loan: Need more cash a day, 7 days a week! Beginning in October, i-NET users will be introduced to new Enhanced i-NET Login Security – a free this holiday season? Consider applying for a and easy way to help prevent fraud! Sign up once and you’re all set! It’s that simple – the next time you log in, it’s business Holiday Signature Loan. You can borrow the as usual. And the rest of your online i-NET account access experience will remain exactly the same! amount you need, for a low interest rate, with TFCU Employee New Telephone the peace of mind of knowing when your loan This superior security technology protects your identity from whatever computer you’re using, whether at home, at the payments will end! office, or on the go! It identifies you as the true “owner” of your accounts by recognizing not only your pin number, but your computer as well. If your computer isn’t recognized by us – you’ve logged in from a public computer or one you 5. Trim your interest payments: If you must of the Quarter Features! haven’t used before – we’ll ask you to provide information that only you will know as an additional line of defense to pay with a credit card instead of using cash, use a prevent unauthorized access. Your identity is protected and your peace of mind, at ease! card with a low-interest rate. In fact, now would With TFCU’s new telephone system, it is easier than ever be a good time to look for a lower-rate card. Prior Munir Yusuf, Head Teller at to reach a specific credit union employee or branch office! Enhanced i-NET Login Security will: to making major purchases using credit, make the Downtown Dallas office, Now, when you call Texas Federal Credit Union’s main ■ Defend against identity theft and fraud. sure you can also afford the monthly payments has been named Texas Federal phone number 214-748-9556 or the toll free number associated with your anticipated credit card balance. Credit Union’s Employee of the ■ Provide added security from any computer, wherever you are. 1-800-242-9132, you can dial an employee’s extension 6. Open a Holiday Club Account: Start making Quarter. Munir has been with directly or use an employee directory by choosing Option the credit union for 5 years. ■ Make it easy for you with one-time sign-up and convenient access. regular deposits into a Holiday Club Account 1. Or, you can reach six of our branch offices directly by each month based on how much you need to He was nominated by his peers selecting Option 7. Just another example of our commitment to fraud prevention, everyday and everywhere. for Employee of the Quarter save. Arrange to have your Holiday Club deposit because he is dependable, For the time being, you still must dial 903-938-6262 to amount automatically deducted from your professional, a team player, an reach our temporary branch office in Marshall. Once paycheck! This way, next year you’ll have all the excellent trainer, and he cares construction and remodeling is complete at our 1910 For an online demonstration of how the new Enhanced i-NET Login Security money you need. Plus, you’ll earn interest rather about providing good member Karnack Highway Marshall Office, members will also be than making big interest payments to finance each service. Congratulations Munir! able to reach the Marshall office through TFCU’s main or year’s holiday shopping. Happy Holidays! toll free telephone number. feature will work, visit our website at www.texfed.org! 2006 Holiday Club Main Office Suite Number Change FALL 2006 Please make note of the credit union’s Main Downtown Dallas Office address, listed to the right. Disbursements The Downtown Dallas office has not physically moved, but the suite number has changed to #745. Please be advised that the Post Office has recently returned TFCU mail addressed to the old Suite #7C15 Downtown Dallas Office 1100 Commerce Street, Suite 745 While the credit union will make every effort to ensure that credit union mail Dallas, TX 75242 is forwarded to our current address, please use the correct Downtown Dallas 214-748-9556 800-242-9132 mailing address shown to the right. Fax 214-745-1124 “…Providing our members with the highest quality of financial services, helping you reach your financial goals.” Loans Texas Federal Credit Union 1100 Commerce Street, Suite 745 • Dallas, TX 75242 214-748-9556, Option 2 Fax application to (214) 745-1124 EZ Loan Application 800-242-9132, Option 2 ______Need More Dough? PURPOSE OF LOAN REQUESTED AMOUNT Federal Reserve Office For Federal Reserve Employees Only ______LAST NAME FIRST NAME INITIAL SOCIAL SECURITY NUMBER DATE OF BIRTH D.L. NUMBER Dallas, TX 75201 You’ve been saving all year long and it’s finally pay- Ext. 26344 ______Holiday Loans as off time! If you have a TFCU Holiday Club account, LAST NAME FIRST NAME INITIAL SOCIAL SECURITY NUMBER DATE OF BIRTH D.L. NUMBER DeSoto Office you will automatically receive your 2006 Holiday Club ______Drive Thru Available disbursement the first week of November. Some members STREET ADDRESS NUMBER OF DEPENDENTS 1021 E. Pleasant Run Road Low as 6.99 APR* will receive a check in the mail for the fund balance of DeSoto, TX 75115 ______With the holidays around the corner, it’s easy to put a strain on your their 2006 Holiday Club account, while others have CITY STATE ZIP PAYMENT AMNT ❏ OWN ❏ RENT YRS THERE HOME PHONE 972-228-4885 Fax: 972-228-3551 elected to have their Holiday Club money automatically budget, not to mention your nerves! Instead of stressing about gifts ______Farmers Branch Office transferred to their regular share/savings account. PREVIOUS ADDRESS (IF LESS THAN 2 YEARS AT PRESENT ADDRESS) ❏ OWN ❏ RENT YRS THERE HOME PHONE you are planning to buy and all the expenses for holiday parties and Drive Thru Available family get-togethers, why not put your mind at ease with a signature If you have been receiving your Holiday Club ______4801 Spring Valley Road, #10 EMPLOYER ADDRESS POSITION STARTING DATE PHONE loan from your credit union! disbursement check by mail, Texas Federal Credit Union Farmers Branch, Texas 75244 encourages you to consider the automatic savings transfer ______972-490-6400 Fax: 972-490-6416 With a Holiday Signature Loan, you can borrow up to $2,500 for 12 option for immediate and secure access to your Holiday EMPLOYER ADDRESS POSITION STARTING DATE PHONE months for as low as 6.99% APR!* Applying for a Holiday Loan is Club funds. With the savings transfer, you don’t have to ______Marshall Office as simple as making a phone call! Dial TFCU’s Loan Department at NOTICE: ALIMONY, CHILD SUPPORT OR SEPARATE MAINTENANCE worry about the disbursement check being delayed or lost INCOME NEED NOT BE REVEALED IF YOU DO NOT WISH TO HAVE MONTHLY SALARY NET OTHER INCOME NET Drive Thru & ATM Coming Soon! 214-748-9556 or 800-242-9132 or simply apply online 24 hours a IT CONSIDERED. TEXAS FEDERAL CREDIT UNION MAY REPORT in the mail during this busy holiday season! INFORMATION ABOUT YOUR CREDIT UNION SHARE AND LOAN 1910 Karnack Highway day, 7 days a week at www.texfed.org! An EZ loan application is also ACCOUNTS TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE Marshall, Texas 75672 available on the back page of this newsletter for added convenience! If you would like to have your 2006 Holiday Club funds REFLECTED IN YOUR CREDIT REPORT. 903-938-6262 Fax: 903-938-6316 * Qualifying members only, subject to credit approval, some restrictions apply. All rates are based on annual percentage rate (APR) calculations. transferred to your savings account instead of receiving Everything you have stated on this application is correct to the best of your knowledge. The credit union is authorized to check your disbursement check by mail, simply talk with a your credit employment history, obtain a credit report and to answer questions about their credit experience with you. You Sherman Office Personal Financial Officer at any of our branch offices, or understand that it may be a federal crime punishable by fine or imprisonment or both to knowingly make any false statements 300 W. FM 1417 concerning any of the above facts as applicable under the provisions of the United States Criminal Code. Sherman, TX 75090 call us at 1-800-242-9132 before October 31st, 2006. PLEASE NOTE: ADDITIONAL INFORMATION MAY BE REQUIRED. Fill Up On Savings! 903-870-1273 Fax: 903-893-3755 ______APPLICANT’S SIGNATURE CO-APPLICANT’S SIGNATURE DATE MEMBER NUMBER Longview Office Drive Thru Available Auto Loans As Low As 4.99%APR* 2410 S. Green Street Longview, TX 75602 With new 2007 model year cars already on dealer lots, 903-753-8641 Fax: 903-753-5272 now is a great time to take advantage of a low interest ATM Locations auto loan from your credit union! Whether you’re 1100 Commerce St., Dallas buying your first set of wheels, or upgrading to a larger Rates and Disclosures (1st and 7th floor) vehicle for your growing family, or buying the car of 1226 Commerce St., Dallas (1st Floor) your dreams, or simply refinancing a high interest auto loan, Texas Federal Credit Union will meet or beat any Current rate and yield information is available 24 hours a day 7 days a week from 525 S Griffin St., Dallas (1st Floor) 400 S. Houston St., Dallas (Union Station) car loan rate offered to our members with rates as low www.texfed.org, The N.E.T. at 214.761.9242 or 800.242.9134, or you can speak as 4.99% APR!* to a Member Service Representative by calling 214.748.9556 or 800.242.9132. 5429 LBJ Freeway, Suite 100, Dallas 4801 Spring Valley Road, Farmers Branch If you already know what make and model car you’d As a Texas Federal Credit Union member, you can Copies of updated account agreements and account services disclosures are also 1021 E. Pleasant Run Rd., DeSoto like to purchase, apply for an auto loan before you apply for a Holiday Skip-A-Payment extension to defer available at each branch location or by mail upon request. your monthly TFCU loan payment so you’ll have extra 3200 W. Pleasant Run Rd., Lancaster go to the dealership. With a pre-approved auto loan, cash this holiday season!* Simply complete the Skip- 2410 South Green St., Longview you’ll know your spending limit, have 60 days to car shop with confidence, and can take advantage of cash rebates A-Payment application inserted with your monthly 2006 Holiday Closings The N.E.T. –Telephone Teller Service offered by dealerships! statement and return it to the Loan Department. Since 24 hours, 7 days a week Our members always have three easy ways to apply for a TFCU loan – by phone, computer, or in person. TFCU’s some restrictions apply, be sure to review the reverse side Monday, October 9 Thursday, Nov. 23 & Friday, Nov. 24 214-761-9242 214-748-9556 Loan Department can be reached at 214-748-9556 or 800-242-9132 or members can apply online at www.texfed.org. of the insert for more details. This offer is good through Columbus Day Thanksgiving Holiday 800-242-9134 800-242-9132 An EZ loan application is also available on the back page of this newsletter which can be dropped off or mailed to February 28, 2007. any of our branch locations! i-N.E.T. – Online Financial Services *Qualifying members only, subject to credit approval, some Monday, November 13 Monday, December 25 www.texfed.org * Qualifying members only, subject to credit approval, some restrictions apply. All rates are based on annual percentage rate (APR) calculations. restrictions apply. Veteran’s Day Christmas Day

© 2006 CU Marketing Resources. All Rights Reserved. 06-0928 2006 Holiday Club Main Office Suite Number Change FALL 2006 Please make note of the credit union’s Main Downtown Dallas Office address, listed to the right. Disbursements The Downtown Dallas office has not physically moved, but the suite number has changed to #745. Please be advised that the Post Office has recently returned TFCU mail addressed to the old Suite #7C15 Downtown Dallas Office 1100 Commerce Street, Suite 745 While the credit union will make every effort to ensure that credit union mail Dallas, TX 75242 is forwarded to our current address, please use the correct Downtown Dallas 214-748-9556 800-242-9132 mailing address shown to the right. Fax 214-745-1124 “…Providing our members with the highest quality of financial services, helping you reach your financial goals.” Loans Texas Federal Credit Union 1100 Commerce Street, Suite 745 • Dallas, TX 75242 214-748-9556, Option 2 Fax application to (214) 745-1124 EZ Loan Application 800-242-9132, Option 2 ______Need More Dough? PURPOSE OF LOAN REQUESTED AMOUNT Federal Reserve Office For Federal Reserve Employees Only ______LAST NAME FIRST NAME INITIAL SOCIAL SECURITY NUMBER DATE OF BIRTH D.L. NUMBER Dallas, TX 75201 You’ve been saving all year long and it’s finally pay- Ext. 26344 ______Holiday Loans as off time! If you have a TFCU Holiday Club account, LAST NAME FIRST NAME INITIAL SOCIAL SECURITY NUMBER DATE OF BIRTH D.L. NUMBER DeSoto Office you will automatically receive your 2006 Holiday Club ______Drive Thru Available disbursement the first week of November. Some members STREET ADDRESS NUMBER OF DEPENDENTS 1021 E. Pleasant Run Road Low as 6.99 APR* will receive a check in the mail for the fund balance of DeSoto, TX 75115 ______With the holidays around the corner, it’s easy to put a strain on your their 2006 Holiday Club account, while others have CITY STATE ZIP PAYMENT AMNT ❏ OWN ❏ RENT YRS THERE HOME PHONE 972-228-4885 Fax: 972-228-3551 elected to have their Holiday Club money automatically budget, not to mention your nerves! Instead of stressing about gifts ______Farmers Branch Office transferred to their regular share/savings account. PREVIOUS ADDRESS (IF LESS THAN 2 YEARS AT PRESENT ADDRESS) ❏ OWN ❏ RENT YRS THERE HOME PHONE you are planning to buy and all the expenses for holiday parties and Drive Thru Available family get-togethers, why not put your mind at ease with a signature If you have been receiving your Holiday Club ______4801 Spring Valley Road, #10 EMPLOYER ADDRESS POSITION STARTING DATE PHONE loan from your credit union! disbursement check by mail, Texas Federal Credit Union Farmers Branch, Texas 75244 encourages you to consider the automatic savings transfer ______972-490-6400 Fax: 972-490-6416 With a Holiday Signature Loan, you can borrow up to $2,500 for 12 option for immediate and secure access to your Holiday EMPLOYER ADDRESS POSITION STARTING DATE PHONE months for as low as 6.99% APR!* Applying for a Holiday Loan is Club funds. With the savings transfer, you don’t have to ______Marshall Office as simple as making a phone call! Dial TFCU’s Loan Department at NOTICE: ALIMONY, CHILD SUPPORT OR SEPARATE MAINTENANCE worry about the disbursement check being delayed or lost INCOME NEED NOT BE REVEALED IF YOU DO NOT WISH TO HAVE MONTHLY SALARY NET OTHER INCOME NET Drive Thru & ATM Coming Soon! 214-748-9556 or 800-242-9132 or simply apply online 24 hours a IT CONSIDERED. TEXAS FEDERAL CREDIT UNION MAY REPORT in the mail during this busy holiday season! INFORMATION ABOUT YOUR CREDIT UNION SHARE AND LOAN 1910 Karnack Highway day, 7 days a week at www.texfed.org! An EZ loan application is also ACCOUNTS TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE Marshall, Texas 75672 available on the back page of this newsletter for added convenience! If you would like to have your 2006 Holiday Club funds REFLECTED IN YOUR CREDIT REPORT. 903-938-6262 Fax: 903-938-6316 * Qualifying members only, subject to credit approval, some restrictions apply. All rates are based on annual percentage rate (APR) calculations. transferred to your savings account instead of receiving Everything you have stated on this application is correct to the best of your knowledge. The credit union is authorized to check your disbursement check by mail, simply talk with a your credit employment history, obtain a credit report and to answer questions about their credit experience with you. You Sherman Office Personal Financial Officer at any of our branch offices, or understand that it may be a federal crime punishable by fine or imprisonment or both to knowingly make any false statements 300 W. FM 1417 concerning any of the above facts as applicable under the provisions of the United States Criminal Code. Sherman, TX 75090 call us at 1-800-242-9132 before October 31st, 2006. PLEASE NOTE: ADDITIONAL INFORMATION MAY BE REQUIRED. Fill Up On Savings! 903-870-1273 Fax: 903-893-3755 ______APPLICANT’S SIGNATURE CO-APPLICANT’S SIGNATURE DATE MEMBER NUMBER Longview Office Drive Thru Available Auto Loans As Low As 4.99%APR* 2410 S. Green Street Longview, TX 75602 With new 2007 model year cars already on dealer lots, 903-753-8641 Fax: 903-753-5272 now is a great time to take advantage of a low interest ATM Locations auto loan from your credit union! Whether you’re 1100 Commerce St., Dallas buying your first set of wheels, or upgrading to a larger Rates and Disclosures (1st and 7th floor) vehicle for your growing family, or buying the car of 1226 Commerce St., Dallas (1st Floor) your dreams, or simply refinancing a high interest auto loan, Texas Federal Credit Union will meet or beat any Current rate and yield information is available 24 hours a day 7 days a week from 525 S Griffin St., Dallas (1st Floor) 400 S. Houston St., Dallas (Union Station) car loan rate offered to our members with rates as low www.texfed.org, The N.E.T. at 214.761.9242 or 800.242.9134, or you can speak as 4.99% APR!* to a Member Service Representative by calling 214.748.9556 or 800.242.9132. 5429 LBJ Freeway, Suite 100, Dallas 4801 Spring Valley Road, Farmers Branch If you already know what make and model car you’d As a Texas Federal Credit Union member, you can Copies of updated account agreements and account services disclosures are also 1021 E. Pleasant Run Rd., DeSoto like to purchase, apply for an auto loan before you apply for a Holiday Skip-A-Payment extension to defer available at each branch location or by mail upon request. your monthly TFCU loan payment so you’ll have extra 3200 W. Pleasant Run Rd., Lancaster go to the dealership. With a pre-approved auto loan, cash this holiday season!* Simply complete the Skip- 2410 South Green St., Longview you’ll know your spending limit, have 60 days to car shop with confidence, and can take advantage of cash rebates A-Payment application inserted with your monthly 2006 Holiday Closings The N.E.T. –Telephone Teller Service offered by dealerships! statement and return it to the Loan Department. Since 24 hours, 7 days a week Our members always have three easy ways to apply for a TFCU loan – by phone, computer, or in person. TFCU’s some restrictions apply, be sure to review the reverse side Monday, October 9 Thursday, Nov. 23 & Friday, Nov. 24 214-761-9242 214-748-9556 Loan Department can be reached at 214-748-9556 or 800-242-9132 or members can apply online at www.texfed.org. of the insert for more details. This offer is good through Columbus Day Thanksgiving Holiday 800-242-9134 800-242-9132 An EZ loan application is also available on the back page of this newsletter which can be dropped off or mailed to February 28, 2007. any of our branch locations! i-N.E.T. – Online Financial Services *Qualifying members only, subject to credit approval, some Monday, November 13 Monday, December 25 www.texfed.org * Qualifying members only, subject to credit approval, some restrictions apply. All rates are based on annual percentage rate (APR) calculations. restrictions apply. Veteran’s Day Christmas Day