COUPON STATISTICALLY SPEAKING LOCATIONS AND BRANCH HOURS A PUBLICATION FOR MEMBERS OF THE SOUTHERN FEDERAL CREDIT UNION Christmas As of August 31, 2009

Fayetteville Club Accounts Assets $242,188,491 430 East Lanier Ave. • Fayetteville, GA 30214 2000 18, January Shares $208,542,748 Lobby Hours Still Make Sense Monday – Friday 9 a.m. - 4 p.m. Loans $87,239,313 Drive-Thru Hours THE APR* OF THE Can you believe that Christmas Members 29,280 Monday – Thursday 8:30 a.m. - 5 p.m.  is only a few months away? Friday 8:30 a.m. - 6 p.m. Money QUALIFIED RATE DIVIDEND NEWS Lobby and Drive-Thru Hours OF YOUR NEXT Regular Market Saturday 9 a.m. - 12 p.m. Before you know it, it will As of Sept. 18, 2009 Shares Account ATM and Night Drop on location FALL 2009 NEW OR USED be time to go shopping and a Balance APY* APY* Southern Christmas Club Account can $0.00-$99.99 0.00% 0.00% Griffi n VEHICLE LOAN make a difference in so many 1610 Highway 16 West • Griffi n, GA 30223 $100.00-$2,499.99 0.25% 0.25% ways. When Christmas rolls Lobby Hours around you will already have $2,500.00-$9,999.99 0.25% 1.25% Monday – Thursday 9 a.m. - 4 p.m. money set aside for family $10,000.00-$24,999.99 0.50% 1.50% Friday 9 a.m. - 5 p.m. and friends. Drive-Thru Hours $25,000.00-$49,999.99 0.50% 1.75% Monday – Thursday 8:30 a.m. - 5 p.m. Friday 8:30 a.m. - 6 p.m. A Christmas Club Account is $50,000.00-$99,999.99 0.50% 1.85% Credit Card Interest Rate Increase? Saturday 9 a.m. – 12 p.m. *Annual Percentage Rate. Coupon good basic: You put aside a little bit of $100,000.00 0.50% 2.00% through December 31 , 2009. Discount is and Greater ATM and Night Drop on location Here are 5 ways to respond deducted from applicant’s qualified rate. money on a regular basis, it adds Credit conditions and qualifications apply. up during the year and you get Jonesboro Pre-existing loans with the Credit Union are 1099 Battle Creek Road • Jonesboro, GAGA 30236 As other financial institutions credit card. On the other hand, if you have not eligible for refinancing. One coupon per that money in a lump sum on a Share Drafts 0.25% member. May not be used in conjunction Lobby and Drive-Thru Hours have begun to raise the rates of always paid your account on time and have with any other offer. set date – just before Christmas. IRA Shares 2.12% Monday – Friday 9 a.m. - 5 p.m. most of their customers, you have one late payment, you may be able to talk *Annual Percentage Yield. Please contact the Saturday 9 a.m. – 12 p.m. your card issuer into lowering your interest Christmas gift giving doesn’t Credit Union for further information on applicable five ways to respond to a credit Security Reminder: fees and terms. ATM and Night Drop on location rate. have to mean an increase in your Before we can work with an Newnan card interest rate increase. debt load. It is much wiser to account over the phone, the 232 Bullsboro Drive • Newnan, GA 302630263 In This Issue 3. Pay off the balance as caller’s identity and account save up during the year for these Lobby Hours 1. Opt-out of the higher rate quickly as possible access authority has to be purchases. To get started, keep Monday – Thursday 9 a.m. – 4 p.m. STAY IN TOUCH: When your interest rate increases, you’ll Pay off as much of the balance as you can established. As you can imagine good records of how much you Friday 9 a.m. – 5 p.m. typically have an opt-out period allowing doing this over the phone can be before the increase goes into effect. If you spend this year to help determine TellerPhone 24-Hour Account Access Drive-Thru Hours a little difficult. That’s why we you to reject the interest rate change. If can lower your balance before the new how much you believe you’ll (770) 460-7899 • (800) 922-5882 Monday – Thursday 8:30 a.m. – 5 p.m.m. encourage you to set a password you opt-out, your account will be Friday 8:30 a.m. – 6 p.m. interest rate takes effect, you might be able on your account. Passwords are need to save for next year. Then Telephone Service Center (TSC) closed and you can continue Lobby and Drive-Thru Hours to lessen the blow of the higher rate. the quickest way to prove your open a Christmas Club Account (770) 719-1111 Saturday 9 a.m. – 12 p.m. to pay your balance at the identity and authority.ority. and start funding it with payroll (800) 338-5882 Identity Theft or ATM and Night Drop on location lower interest rate. Once 4. Transfer to a lower rate card deduction. Payroll deduction Monday – Friday 8 a.m. – 6 p.m. EST Identity Fraud? NEWEW –p.2 the balance has been Transfer the balance to a lower makes it easy to save a little E-Mail Address Peachtree City completely repaid, GAME!G 1400 Commerce Drive • Peachtree City, GA 30269 interest rate credit card. Before AM money out of each paycheck [email protected] you won’t be able to E! Lobby Hours you do the balance transfer, towards the next Christmas Web Site Address use the card, since season. Monday – Thursday 9:00 a.m. - 4:00 p.m. make sure you have enough www.southernonline.org Friday 9:00 a.m. - 5:00 p.m. the account will available credit to handle the Drive-Thru Hours have been closed. new balance. You should also At a time when using your Monday – Thursday 8:30 a.m. - 5 p.m. credit card(s) can be worrisome, HOLIDAY CLOSINGS: compare any balance transfer Friday 8:30 a.m. - 6 p.m. There are some cases fee against the cost of paying there’s nothing like shopping for THANKSGIVING Lobby and Drive-Thru Hours Mortgage you might not want to close Thursday, November 26, 2009 Shopping Tips off your balance at the higher Christmas with cash. Saturday 9 a.m. - 12 p.m. your credit card account Friday, November 27, 2009 –p.3 interest rate. You can relax and enjoy the ATM and Night Drop on location because it will hurt your credit holidays so much more knowing CHRISTMAS score – like when it already has a balance 5. Accept the changes you didn’t just add to your Thursday, December 24, 2009 Close at Noon on it or it’s your oldest credit card. In How it Works: There are Keep the card and pay off the balance at the three dates hidden in this existing debt load. Friday, December 25, 2009 that case, there are some other things you Saturday, December 26, 2009 newer, higher interest rate. Although it may issue. If you fi nd your can do. For more information on not be the most desirable solution, it may birth date, exactly as it NEW YEAR’S DAY be the only one available. When none of the appears on your account, opening a Christmas Club Friday, January 1, 2010 2. Negotiate a lower rate Account, give us a call at Christmas Clubs other options work, you will have to pay the call the Telephone May 5, 1989 Call the card issuer and get it lowered. If balance at the higher interest rate. In this Service Center at (770) 719-1111 or Going Strong your interest rate increased because of a 1-800-338-5882. WELCOME TO THE SOUTHERN: –p.4 case, you should still pay off the balance 770-719-1111 Golf Rider, Inc. – Peachtree City, GA delinquency or default on your part, you as quickly as possible to keep from paying or 1-800-338-5882 Ajako, Inc. – Peachtree City, GA may not be able to get the interest rate high finance charges. AANDND WWININ $$50!50! Lighthouse Counseling Center – Newnan, GA decreased, even if it was with a different

091308_SFCU_News_Fall09.indd 1 9/22/09 5:23 PM Visa® Gift Cards – The One Gift Electronic Statements – What is That Fits All Occasions MARCH 18, 2005 eStatements Identity The Southern Federal Credit 5 TIPS FOR Union Visa Gift Card is With the Credit Union’s the one gift that’s perfect eStatements, you can Theft SHOPPING A agree to the terms of a loan with higher fees, higher for every occasion, but balance your checking points, or a higher interest rate. Shopping around is account anytime day especially for Christmas. MORTGAGE your best way to avoid more expensive loans. and or night, and from Give everyone on your Know what you can afford. list the gift of choice. No morere Review your monthly spending plan to estimate Know the risks and benefits of loan options. anywhere you have a Identity trying to decide what they’d liklike tto hhave. what you can afford to pay for a home, including Mortgages have many features--some have fixed computer with Internet You decide the amount, they decide where to use it. the mortgage, property taxes, insurance, monthly interest rates and some have adjustable rates; some access. So they can choose the gift they really want. maintenance, and utilities. Make sure you save for have payment adjustments; on some you pay only Fraud? emergencies. Plan ahead to be certain you will be the interest on the loan for a while and then you pay The Credit Union’s VISA GIFT CARDS ARE: able to afford your monthly payments for several down the principal (the loan amount); some charge electronic statements — years. Check your credit report to make sure that the you a penalty for paying the loan off early; and some eStatements are faster ACCEPTED WORLDWIDE – welcome anywhere Visa debit cards information in it is accurate. A higher credit score may have a large payment due at the end of the loan (a than paper statements, The short answer is that identity theft is a crime. are accepted, at millions of locations, including retail stores help you get a lower interest rate on your mortgage. balloon payment). Consider all mortgage features, the posted on a secured site, Identity theft and identity fraud are terms used to refer and online merchants. APR (annual percentage rate), and the settlement to all types of crime in which someone wrongfully can be viewed 24/7/365, PERFECTFORANYBUDGET – You choose the amount you Shop around– compare loans from lenders costs. Ask your lender to calculate how much and they’re FREE. obtains and uses another person’s personal data in want to give to fit your budget. Comes in your choice of $25 to and brokers. your monthly payments could be a year from some way that involves fraud or deception, typically $500 cash values. Shopping takes time and energy, but not now, and 5 or 10 years from now. A mortgage for economic gain. shopping around can cost you thousands of shopping worksheet can help you identify the To register for SAFERTHANCASH – Unlike cash, it can be replaced if lost or dollars. You can get a mortgage loan from features of different loans. Mortgage calculators eStatements, simply Unlike your fingerprints, which are unique to you and stolen*. either mortgage lenders or mortgage brokers. can help you compare payments and the send the Credit cannot be given to someone else for their use, your CONVENIENT – Lets the recipient choose exactly what they Brokers arrange mortgage loans with a lender equity you could build with different Union an email, personal data, especially your Social Security number, want, every time. rather than lend money directly; in other words, brokers mortgage loans. to eStatement@ your bank account, credit card number, your telephone sell you a loan from a lender. Neither lenders nor Southernonline.org. brokers have to find the best loan for you– to find the Get advice from trusted sources. calling card number, and other valuable identifying You can buy a Visa Gift Card at any branch, for only $3.95. If Include your name, you order the card online, the fee is $5.95 for up to $250 and best loan, you have to do the shopping. A mortgage loan is one of the most complex, most phone number, and data can be used if they fall into the wrong hands to expensive financial commitments you will ever assume personally profit at your expense. $7.95 for cards over $250. To order cards online, go to www. the email address you southernonline.org and click on the Visa Gift card link. Understand loan prices and fees. – it’s okay to ask for help. Talk with a trusted housing want your eStatements Many consumers accept the first loan offered and counselor or a real estate attorney that you hire to sent to. Thereafter, In the United States and Canada, for example, many *Please review The Southern Federal Credit Union terms and conditions relating to don’t realize that they may be able to get a better review your documents before you sign them. card replacement. **Face value of the Visa Gift Card is good for 6 months from date you will receive email people have reported that unauthorized persons have of purchase. Thereafter, there is a $2.50 a month fee until the face value is zero. All loan. On any given day, lenders and brokers may offer fees are automatically deducted from your Card balance on the ¿ rst day of the month. notification when your taken funds out of their bank or financial accounts, If your Card balance is zero or becomes zero as a result of any fees, the Card will be different interest rates and fees to different consumers If you have questions about mortgages, call one or, in the worst cases, taken over their identities terminated. for the same loan, even when those consumers have of our mortgage professionals at 770. 719.1111 or monthly statement is altogether, running up vast debts and committing the same loan qualifications. Keep in mind that lenders 1.800.338.5882. available online crimes while using the victim’s names. and brokers also consider the profit they receive if you Source. Federalreserve.gov Register for In many cases, a victim’s losses may include not Lost or forgot your PIN? eStatements and only out-of-pocket financial losses, but substantial get free Bill Pay! additional financial costs associated with trying to Don’t Let 0% Trick You! The Southern Federal Credit Union is proud to offer O% sounds like a great deal, but did you know that you will likely save more money with a low rate auto loan. restore his/her reputation in the our members a valuable new service. You can now When you register for community and correct erroneous How??? It is all in the dealer rebate. If you take the rebate instead of the 0% and get a low rate auto loan from select your own PIN or RE-PIN your number on your The Southern, the interest accumulated over the life of the loan is typically much less than the rebate. eStatements, you also information for which the criminal Credit Union ATM/DEBIT card or credit card. get free Bill Pay, the is responsible. The Southern Dealership More benefits of choosing a Southern Auto Loan are: Credit Union’s Online Cost $20,000 $20,000 • Most 0% rebates will require a large down payment and Banking bill payment November 19, 1997 - Rebate $2,750 $0 exceptional credit history. We’ll work with you to get you service. For more + Sales Tax 6.0% $1,200 $1,200 the best rate possible. information about either The biggest reason for failed ATM transactions is - Down Payment $3,000 $3,000 • You’ll get the choice of the car you want. eStatements or Bill Pay, Total Financed $15,450 $18,200 an invalid PIN number. This service will allow you • Any loan add-ons likely will require a re-price please call the TSC at Monthly Payment* $355.77 $379.17 to select your own 4 digit number that is easy to to a higher rate. (770) 719-1111 or remember, making it easier for you to use your ATM Finance Charge $1,626.93 $0 1-800-338-5882. Total Cost $17,076.93 $18,200.00 • Remember, driving a car off the lot instantly depreciates and DEBIT Cards. You do not have to know the Amount Saved $ 1,123.07 it’s value. A rebate will help keep the “off lot” value equal previous PIN in order to RE-PIN. Just bring your to the current borrowed amount. ATM/DEBIT Card to any of our branches and we’ll do the rest. *Based off The Southern Federal Credit Union 48-month 5.00% Annual Percentage Rate vs. dealership 48-month 0.00% Annual Percentage Rate. Rates are subject to change and based off credit rating and term. Note: Calculations are approximate and for example purposes only.

091308_SFCU_News_Fall09.indd 2 9/22/09 5:23 PM