Finance Your Ride at Hamilton Horizons and Discover Why All Signs

Your Home YOUR COMMUNITY

10203 Visa NFL National Promotion Your Credit Union Take One Front – 4.25” x 7.75” Generic Visa – Card Size: 0.9264” x 0.5838” Home Buying Seminar 7/11/14 FALL 2014 Page 2

Swipe and Score!

Make 2015 the year you Page 3 win the Super Bowl experience of a lifetime

Use your Visa® card Loan Referral Rewards from September 1 – November 30, 2014 $mart to be automatically entered for a chance to Get Connected To Your CommunityLink Credit Union win. See details at visa.com/nflpromotion You could win the Super Bowl experience of a lifetime Page 4 • Celebrating 60 Years of Service • 4 Trip for two to Super Bowl XLIX in Arizona 4 Attend the head coaches’ press conference 4 Take part in the on-field postgame celebration 4 Meet an NFL player

NO PURCHASE OR OBLIGATION NECESSARY TO ENTER OR WIN THE VISA SUPER BOWL XLIX SWEEPSTAKES. See details on back.

Visa_NFL_Take_One_Generic_7-11-14.inddOur 1 Newest 7/11/14 5:20 PM Location: The Palm of Your Hand

Finance your ride at Hamilton Horizons With Mobiliti™ and Mobile Deposit, and discover why all signs lead to us! you can access your accounts 24 hours a day, 365 days a year, from New, Used or Refinance at the same great rate! anywhere. Accessed through Virtual Branch, Mobiliti™ and Mobile Deposit on your smartphone or New: Get pre-approved We offer: tablet allow you to view accounts, make transfers, before you head to the Rates as low as 2.99% APR* pay bills, pay friends or move money between your dealer so you can Financing for 100% of invoice plus tax and own accounts at any financial institution. You can negotiate from a position tags on new vehicles even make deposits without a trip to the office. of knowledge. Financing for 100% of NADA retail value on Combine these with free checking with no minimum Used: Enjoy the same great used vehicles Financing up to 110% of the NADA value or balance, no monthly maintenance fee, no per check rate at Hamilton Horizons fee, no transfer fees and no debit card fees. Plus, we’re your current loan amount (whichever is less) whether buying a new or convenient—not complicated! With your free Visa® used vehicle. on refinanced vehicles debit card, you’ll have access to over 58,000 no-surcharge ATMs through the Allpoint™ and Refinance: Drive your Apply for a loan or pre-approval existing loan to us and put CU$™ Networks, including those at CVS and by PC, smartphone or tablet at 7-Eleven® stores. If you need a branch, you can use the brakes on high rates! www.hamiltonhorizons.org or call one of our 6,800 shared branches. *APR=Annual Percentage Rate. 609-631-4300 to have an application sent. Sign up for E-statements and access your statement directly through Virtual Branch self-service. Plus, Open an account today—there’s no fee. You can open an account if you live, work, worship, you can save postage using Horizons Bill Pay. Need attend school in Hamilton or are related to someone who does. Bring your driver’s license or passport, help signing up? Come into the office or give us a Social Security number and proof of address (such as utility bill) to open the account. To find out more, call and we will gladly assist you. You can also apply check out our website at www.hamiltonhorizons.org. Account application on Page 5 of this SmartLink. for a loan through your PC, tablet or smartphone If you’re eligible to open an account, so are your relatives. Deposits are Federally Insured by the National directly from hamiltonhorizons.org. Credit Union Administration’s NCUSIF (National Credit Union Share Insurance Fund) up to $250,000; IRAs are insured separately up to $250,000. We are very excited to announce the release of single sign on (SSO) Visa® in Virtual Branch. When you click on your Visa account it will bring you directly into the EZ Card Info website. Please make sure your computer is not blocking pop-ups, as clicking the Visa account will open another window for the other Banking website. You will still be able to make transfers to and from your Visa account through Virtual Branch; You Can this will just eliminate having to go to a separate Trust website to see the activity on your account. We hope you enjoy this new feature. 3535 QUAKERBRIDGE ROAD | SUITE 600 | IBIS PLAZA HAMILTON, NEW JERSEY 08619 | 609-631-4300 Mobile Deposit Is Now Message Board Available

Winter is coming! Sign up for Virtual Branch and Hamilton Horizons’ success and then click on the self-service longevity are due to the dedication Weather updates are available through our Twitter feed (Twitter.com/hhfcu_Moola tab to sign up for Mobile of our volunteers. or link to Twitter at hamiltonhorizons.org). Banking and Mobile Deposit. We are always looking for members In case of inclement weather, please check Home Buying interested in helping out and being the website or call the office for information If you need assistance, call us involved! If you have some financial on late openings or possible closings. Seminar background and you’re interested in at 609-631-4300. Like us on Facebook and you will receive Thursday, October 9, 2014 volunteering, please contact notices automatically. 6:00 PM at Hamilton Horizons Cindy Rein-Zima, President/CEO, RSVP to Jim D’Alonzo, 609-631-4300 x107 at 609-631-4300. by October 2, 2014. The Supervisory Committee Please plan is having the credit union’s HOLIDAY CLOSINGS accordingly. Follow us on accounting firm verify member records. Please compare the Columbus Day Christmas Facebook and balances on your statement with Hamilton Horizons was Monday, October 13, 2014 Thursday, December 25, 2014 Twitter! your records. If they do not agree, first chartered in May 1954 Veterans Day New Year’s Eve please report any differences as Delaval Employees Tuesday, November 11, 2014 Closing at noon on immediately to: Wednesday, December 31, 2014 Federal Credit Union. We Thanksgiving Nearman, Maynard, Vallez, CPAs are pleased to be serving Thursday, November 27, 2014 New Year’s Day 10621 N. Kendall Dr., Suite 219 our members for 60 years! Thursday, January 1, 2015 Christmas Eve Miami, Florida 33176

Closing at noon on Martin Luther King, Jr. Day Wednesday, December 24, 2014 Monday, January 19, 2015

Home Equity Loans Home Buying Seminar

Use the equity in your home to Preparing for home ownership starts long before you drive through neighborhoods and make your dreams come true with a attend open houses. It starts by getting your Hamilton Horizons home equity loan! finances in good working order. If you do, you could save thousands of dollars in interest Special Deal: No points, no application fee and no over the life of the mortgage. appraisal fee on five-year fixed-rate and 15- and 20-year variable-rate home equity loans. Whether your goal is to own your own home, look for a different home or refinance your Home values are increasing! existing mortgage, the process requires Use the equity in your home to fix up your home, take off careful planning, education, patience and a on a vacation, consolidate debt or buy a new car. Rates as clear understanding of the costs involved. low as 3.25%. Loans up to $300,000; And because of the significant financial investment required to purchase a terms up to 20 years. house, the credit union is here to lend a helping hand.

Call the Lending Hamilton Horizons FCU will be hosting a free informational Home Buyer Department at Seminar on October 9, 2014, at 6:00 PM at the credit union. 609-631-4300 to apply. Call Jim at 609-631-4300 x107 by October 2, 2014, to reserve your space.

Money Doesn’t Grow on Fees!

Not all banks and credit unions charge monthly fees. If you feel your financial institution doesn’t really want your business, open an account with us; we want your business! At Hamilton Horizons we have remained true to the credit union philosophy of people helping people and will do all we can to help you. 2 10203 Visa NFL National Promotion Take One Front – 4.25” x 7.75” Generic Visa – Card Size: 0.9264” x 0.5838” 7/11/14

Mobile Mobile Banking Swipe and Score!

Deposit Is Now Best Practices If you’ve been feeling the crunch from high-rate Available credit cards, turn to the teammate you can trust: Password protect your Hamilton Horizons! We’ll help you tackle high rates mobile device and score big-time savings with a credit card that Report lost/stolen mobile puts YOUR best interests first. Benefits include: devices immediately to the Low, fixed rates carrier so they can deactivate it No balance transfer fee Consider a remote No annual fee wipe-out service No cash advance fee Frequently delete No arbitrary limit or rate changes messages received from No interest if purchases are paid within Make 2015 the year you financial institutions the 25-day grace period win the Super Bowl Do not modify the device— Protection with Verified by Visa® important security features Same rate for cash advance and balance transfer experience of a lifetime may be disabled Plus, you can check balances, make payments and Install mobile anti-virus receive statements online through EZ Card or Single software application so your Sign-on Visa through Virtual Branch. device will be less susceptible Use your Visa® card to a virus or Trojan from September 1 – November 30, 2014 Quit fumbling with high rates and kick off a to be automatically entered for a chance to Download apps only great deal today! Our Premium Visa card features win. See details at visa.com/nflpromotion from reputable sites an 11.9% APR* and ScoreCard® Rewards. Our Classic You could win the Super Bowl experience of a lifetime Visa card features a 17.92% APR*. Call us at Monitor accounts 4 Trip for two to Super Bowl XLIX in Arizona on a regular basis 609-631-4300 for an application or apply online via 4 Attend the head coaches’ press conference PC, tablet or smartphone at hamiltonhorizons.org. 4 Take part in the on-field postgame celebration 4 Meet an NFL player *APR=Annual Percentage Rate. NO PURCHASE OR OBLIGATION NECESSARY TO ENTER OR WIN THE VISA SUPER BOWL XLIX SWEEPSTAKES. See details on back.

Intaxication: Euphoria at getting a refund from the IRS, which lasts until you realize it was your money to start with. – From a Washington Post word contest Visa_NFL_Take_One_Generic_7-11-14.indd 1 7/11/14 5:20 PM

Rent vs. Own Owning a home could make sense for you any changes to their living space and are often if you want to put your monthly living costs subjected to rent increases over time. toward something you could eventually pay Trying to determine if it is better to rent or own off and own outright. In addition, it also makes Owning a home may provide you with income tax your home? Both can have their advantages. sense if you plan to stay in the area and prefer benefits (though it’s important to check with your The best choice comes down to what you want to feel settled in a home that reflects your tax advisor to see how owning would impact your and what you need. Keep that in mind when personal tastes. Only you can decide whether personal situation). Owning a home also offers you you analyze the benefits of renting vs. owning. owning a home fits your life. the chance to increase your personal wealth as you The most important factors in making your pay off the principal on your loan over time and decision are personal goals and financial goals: Financial Considerations build equity. Of course, home values can rise or fall Knowing where home ownership fits into your over time, so building equity is not guaranteed. Personal Needs and Goals larger financial plan is important. Ask yourself: And there are significant upfront costs associated Reflect on where your life is headed and with buying, including down payments and what you want to accomplish along the way. Would I need to make changes in my budget closing costs. Owning a home is a financial commitment to buy a home? that requires you to plan ahead. Ask yourself: Would it mean stretching to my Pre-approvals are easy! For more information What additional financial goals would I like to financial limits? about getting pre-approved for a mortgage with accomplish as I make payments on a home Would owning allow me to still maintain my the credit union call 866-430-9535 or log on to loan? What’s more important to me: the other savings goals (such as contributions to www.hamiltonhorizons.org to apply online. All opportunity to build equity over time or to my retirement fund) and stay prepared for pre-approved first lien mortgage loans will receive perhaps have more cash available now? potential costly home emergencies such as a new roof or heating/cooling system? a $200 credit at closing. Renting usually makes it easier to relocate Attend our upcoming Home Buying Seminar on (to pursue a job opportunity, for example). Renting has both advantages and October 9, 2014, at 6:00 PM at Hamilton Horizons And if your rent is less than a mortgage disadvantages. For example, renting may to learn more about home ownership and the payment, renting could allow you to contribute provide you with more leftover cash each process of buying a home in today’s market. more toward specific savings goals, such as month, if your rent is less than a mortgage RSVP to [email protected] or retirement, college, future travel, investments payment. Also, renters get to call the landlord 609-631-4300 x107. Seating is limited. or even putting away money for a down anytime repairs need to be made. On the other payment for a home in the future. hand, renters may not be allowed to make 3 10203 Visa NFL National Promotion Take One Front – 4.25” x 7.75” Generic Visa – Card Size: 0.9264” x 0.5838” 7/11/14

Wills: Why Bother?

It’s commonly asserted that everybody needs required of that person in the amount of should be raised. M and N died in a common a will and, just as commonly, people put off the the deceased’s estate. This can be secured accident with no will. They had talked with task of having an appropriate will prepared. from an insurance agent after the would-be their pastor and his wife about becoming Many people never get around to it. So are Administrator reveals his or her finances guardians for their children, but never got they right to delay? What’s the harm? to the bonding company. The hassle just around to acting on the conversation. M was an only child with aged parents and N’s parents First of all, when a person dies in New Jersey described takes time, money and has an were deceased, but she had one brother who without a will, the statutory law of the state emotional price. A will where an Executor survived, G. Her brother is a nice fellow married kicks in. The law states that if there is no will, a is named, along with alternates to serve to a nice woman and they live in a nice home. person who wants to settle the estate must be without bond, provides for an easier and Brother happens to be an atheist, however. appointed as Administrator. If there are several surer outcome. G becomes the guardian. He’ll be a good persons, for example, siblings of the deceased, Another problem when a person dies Make 2015 the year you surrogate dad, but he won’t raise the children who could be appointed Administrator, without a will is that the scheme of estate as their parents would have wished. A simple win the Super Bowl typically the person wanting to be appointed distribution may be at wide variance from will would have provided the outcome the will secure “renunciations and requests” from the deceased’s wishes. X is a widower with experience of a lifetime parents desired. his or her siblings for presentation to the no children or parents, but two brothers Surrogate of the county in which the deceased and a sister. When X became ill, his sister P and Q are married and between their assets resided. These documents provide that the quit her job and looked after X for two years and life insurance they have a combined estate siblings renounce their individual rights to prior to his death. The two brothers did not of 1.7 million dollars. P dies in February and Q Use your Visa® card be appointed Administrator and ask that X like X, did nothing to help him and did not follows in December. The New Jersey Estate from September 1 – November 30, 2014 be appointed. What if one of the siblings in show up at the funeral. The sister will get a Tax in Q’s estate will likely approach $80,000. to be automatically entered for a chance to this example is estranged from the family share equal to that of each of the surviving Depending on a variety of factors, a disclaimer win. See details at visa.com/nflpromotion and will not cooperate? In this case a Verified brothers. We instinctively know that this is trust will in P’s estate would have substantially You could win the Super Bowl experience of a lifetime Complaint with an Order to Show Cause must not what X would have wanted, but X did reduced this tax while still directing estate 4 Trip for two to Super Bowl XLIX in Arizona be filed and signed by a Judge with a return not make a will so sister will share the estate assets where P wanted them to go. 4 Attend the head coaches’ press conference date on the Order to Show Cause and then all with her brothers. The common wisdom is right. It makes sense to 4 Take part in the on-field postgame celebration necessary persons must be served with the 4 Meet an NFL player M and N were married with three children: have a will to avoid these and other problems. papers. Then on the return date, the court will A, B and C, ages three, five and eight. M and NO PURCHASE OR OBLIGATION NECESSARY TO ENTER OR WIN THE VISA decide who becomes Administrator. Once a David H. Coates practices law with Turp, Coates, SUPER BOWL XLIX SWEEPSTAKES. See details on back. N were members of a certain church and Essl & Driggers, P.C. in Hightstown, New Jersey. person is allowed to qualify as Administrator had definite ideas as to how their children of the Estate, very often a bond will be He can be reached at 609-448-0016.

Visa_NFL_Take_One_Generic_7-11-14.indd 1 7/11/14 5:20 PM Referral Rewards* are No-Surcharge ATMs

Now Better than Ever! Never pay an ATM surcharge again when you use your Hamilton Great news! Our member referral rewards Horizons Debit or ATM Card at any program has been so successful that we’ve of the over 58,000 ATMs in the enhanced it to include referrals for loans. Allpoint™ nationwide network. Use your card at any ATM Check it out: displaying the Allpoint™ logo to access your Hamilton Referred members will be rewarded Horizons account 24 hours a day. a $50 deposit if they open a checking Allpoint’s™ surcharge-free ATMs are located in retail account with direct deposit OR secure a merchants across the country. Use the ATM locator on our new home equity, vehicle or signature loan of $5,000 or more! website to find the Allpoint™ ATMs closest to where you live, work or travel. Some of the merchants participating Thanks to this enhancement, new members have even more ways to with Allpoint™ ATMs include: 7-Eleven®, CVS, Wawa®, Hess, cash in on the benefits of membership at Hamilton Horizons. Plus, we Target®, Costco® and many more. continue to offer the same additional referral reward perks as always: Refer a new member to Hamilton Horizons and receive a $25 deposit Access the list of Allpoint™ surcharge-free ATMs from our to your account. website: hamiltonhorizons.org. If the new member is a minor, they will be rewarded a $25 deposit and become part of our $tart $mart $avings Club or Cha-Ching Teen Club. Shared Branching You know how great it is to be a member of Hamilton Horizons. Now share the benefits with your family and friends! Anyone who lives, works, worships or attends school in Hamilton or is related to someone Look for the CO-OP® triangle to find a credit union branch where you can deposit and who does or any current member can join. Simply complete the withdraw funds. Bring your driver’s license membership application on page five! and account number. There are over 6,800 *The account must remain open and in good standing for the first six months or the reward will be forfeited. Reward funds will be deposited branches available. Access the locator from in your account after six months and will be reported on year-end 1099 as required by the IRS. This article must be presented at the time of account opening. Loan or direct deposit must begin within six months of account opening. Offers may not be combined; one reward per new our website: hamiltonhorizons.org. member. Credit union employees are not eligible for the rewards. All accounts and loans are subject to the normal approval process. This program may be altered or discontinued at the credit union’s discretion. 4 Membership & Account Application Account & Membership Application VISA

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Work Phone Work alien) resident U.S. a (including person Phone U.S. a am I Home (3) Cross out item 2 above if you have been notified by the IRS that your are currently subjected to to subjected currently are your that IRS the by notified been have you if above 2 item out Cross Instructions: Certification Source* and Income Other Employment of Length Income Monthly/Yearly Gross Balance With: Account ______Checking backup withholding because you have failed to report all interest and dividends on your tax return. Cross out item 3 and com- and 3 item out Cross return. tax your on dividends and interest all report to failed have you because withholding TINbackup Certification And Backup Withholding InformationTIN Certification And Backup Withholding Information Signed (Person representing approver of application) Date plete a W-8 BEN if you are not a U.S. person. U.S. a not are you if UnderBEN ail W-8 penaltiesa E-m plete ofif perjury, I certify that: Under penalties if perjury, I certify that: Your Credit References uthorization A Your Credit(1) The References number shown on this form is my correct taxpayer identificationPosition number.Balance (1)Employment of The numberLength shown on this form is my correctWith: taxpayerEmployer I/We Account identification herebyormer F authorizeSavings number. Hamilton Horizons Federal Credit Union (the Credit Union) to (2) I am not subject to a backup withholding because (a) I am exempt from backup(2) I holdings,am not subjector (b) Ito have a backup not been withholding becauseestablish (a) I amthis Checkingexempt Account from forbackup me/us. 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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

Fraud is rampant and the United States will continue to be targeted until all card issuers and retailers switch to chip and PIN cards. You should check your accounts at least weekly to ensure you are not the victim of fraud. If you need incentive to do it, schedule a one- hour meeting with yourself. The faster you discover the fraud, the less time it should take to correct it. If you find you have been the victim of fraud, contact your financial institution immediately.

Products & Services Miracle Marathon

• Savings Accounts • 5- to 20-Year Home Equity Loans Celebrating 20 years • Money Market Accounts and Lines of Credit of fundraising for • Individual Retirement Accounts • Home Improvement Loans Children’s Miracle • Share Certificates and IRA Certificates • Premium and Classic Visa® Credit Cards Network, our • “Name Your Own” Savings Accounts with ScoreCard® Program on Premium President/CEO, Cindy • Free Checking Accounts—no monthly • Electronic Statements Rein-Zima, is doing a maintenance, no minimum balance • Third Party Checks marathon. Not 26.2 • Free Mobile Deposit • Notary Public Services miles of running in one day, but one • Free Virtual Branch PC Banking and • Wire Transfers Mobiliti™ (Mobile Banking) • Lobby Coin Machine—free to members mile a day for 27 days equaling 27.2 miles • Free Bill Pay • Business Accounts (with an extra mile for • Free Automatic Transfers • Skip-a-Pay Loans—Vacation the kids). “This is one marathon I can do and it’s for a cause • Direct Deposit/Payroll Deduction/ACH and Holiday near and dear to my heart, CMN,” said Cindy. She has been • $tart $mart $avings Club • Free Visa® Check Cards and ATM Cards fundraising for CMN’s Credit Unions for Kids since 1994 and • Over 58,000 No-Surcharge Allpoint™ • Cha-Ching Teen Club has toured both Children’s Hospital of Philadelphia and and CU$™ ATMs • Non-Profit Fundraiser Program Children’s Specialized Hospital in New Brunswick. “Both • Over 6,800 Shared Branches • Candy Sales for CMN hospitals are amazing, completely geared to making the • Online Loan Application—24/7 • Credit Life and Credit Disability Insurance kids and their families comfortable and accept patients • New and Used Vehicle Loans • GAP Insurance regardless of ability to pay. My marathon is ‘dedicated to • New and Used Motorcycle, • Auto and Homeowners Dominic.’ Dominic just started treatment at CHOP for a RV and Boat Loans Insurance Representative brain tumor and is a friend’s son. He is the cutest little boy • Debt Consolidation Loans • Member Credit Report Analysis and has a fight ahead of him. If he can fight every day, I • Share and CD Secured Loans • Independent Investment Advisor can certainly walk a mile a day for him.” If you would like to • First Mortgages donate to the Miracle Marathon, please go to: https://www. miraclemarathon.org and search Cindy Rein-Zima.