JULY 2009 spark Black

Something to celebrate in Lynn

Innovation’s plan to bring convenience and service to a greater number of members took a giant step forward on April 16th when we celebrated the official Grand Opening of our Lynn Haven Branch.

The new branch is located at 2250 South Highway 77 so members who work or live in the area have better access to services such as drive-thru teller lanes, Automated Teller Machines (ATMs) and self-service coin counters. The new branch is also equipped with state-of-the-art dialogue towers, which use the latest technology in transaction processing while emphasizing exceptional The ribbon cutting ceremony for the new Lynn Haven Branch member service. took place on Thursday, April 16th.

The Lynn Haven branch features an exciting new look and feel. This vibrant, member- centric environment incorporates a coffee bar and wireless Internet access, so you can look forward to your visits with us. You really have to experience it to believe it!

Branch Manager Shannon Williams and her team invite you to come see for yourself how Innovations is working hard to combine technology with good old-fashioned service to Spark Change in your life.

Miss the links?

Ready for some golf? The 5th Annual Innovations/Knology Charity Golf Keeping your identity secret Tournament to benefit the United Way of Northwest Florida will be held It’s unfortunate, but identity theft is a growing problem that we all need to guard against. The August 7-8 at the Hombre Golf Club. Federal Trade Commission estimates that nine million people are victims of ID theft each year. The best way to protect yourself from being part of that statistic is The itinerary includes the Annual Pairings to be safe with your vital information. Here are a few tips: Party from 6:00 to 10:00 p.m. on Friday at Never put your Social Security Number on a document unless it is legally required. the Black Angus restaurant and a breakfast , Never give your SSN, credit card number or bank information to anyone over the phone. from 7:00-8:00 a.m. on Saturday. The driving range will be open during breakfast and the , Avoid making credit card purchases over the Internet unless you are sure it’s a secured site. shotgun start begins promptly at 8:00 a.m. , Do not respond to emails or phone calls that ask you to verify account information. If you have a question about any of your accounts, contact the account issuer Prices are $125 per person or $400 per (Innovations, credit card company, etc.) directly. foursome. If you’d like to come out and play or join us as a sponsor, please call , Check your credit card and checking account statements regularly to look for inconsistencies. Ruthie Parker at 850.249.0768 , Check your credit report every six months to make sure that it does not contain accounts that do not belong to you. Be sure to check all three of the major credit bureaus—Experian Oh, and by the way, prior to the start (www.experian.com), Equifax (www.equifax.com) and TransUnion (www.transunion.com). of the tournament, Island 106 will be sponsoring a Golf Ball Drop that will earn , Shred papers that contain your credit card numbers, bank account numbers, SSN or any one lucky person $5,000! Golf balls may other private information. It’s also a good idea to shred unsolicited credit card offers that be purchased for $20 (only 1,000 golf contain enrollment forms. balls will be sold). Golf balls are available for purchase at all Innovations FCU and If you think that you may have been the victim of fraud concerning your Innovations Knology locations. For additional details, account, contact us immediately at 850.233.4400 or 800.291.6272. We’ll help you visit www.island106.com. resolve the problem and secure your account information immediately. An important reminder about Regulation D

Since every penny counts these days, Innovations would like to remind you that Federal Reserve Board Regulation D limits the number of withdrawals or transfers from your Share or Money Market Accounts to six (6) per month. This includes all transfers made in person, electronically or by phone. No more than three (3) of these transfers may be made by check, draft or debit card. Happy Holidays!

In the event that you exceed your monthly transfer limitations, your account may be subject to Innovations will be closed fees or closure. For Share Accounts, a fee will be imposed for each excessive withdrawal, as in observance of the disclosed in your Fee Schedule. In addition, there is a minimal withdrawal amount of $250 for following holidays: Money Market Accounts. There are no account limitations for IRA and Share Draft Accounts. Independence Day If you make automatic transfers from your Share (savings) Account and the funds are not available Friday, July 3, 2009 from your Share Draft (checking) Account, and you have exceeded the six (6) transfers per month limit, your check will be returned and a fee will be imposed. Labor Day Monday, September 7, 2009

Get involved. Make a difference.

The United Way is not only an emergency- based support group that comes to the rescue of victims after devastating tragedies, it is also dedicated to the advancement of the common good through education, income and health.

As a Pacesetter Company, Innovations encourages all of our staff and members to get involved through donations or volunteer work. To find out more on how you can Spark Change in our community, please visit www.unitedwaynwfl.org.

Join the crew

Looking for some family fun? Join Innovations as we proudly sponsor the 2009 Panama City Pirates soccer team! In their If you visit our website at www.innovationsfcu.org, you may notice a new button inaugural season last year, the Pirates came toward the bottom, right-hand side of the home page that says SHARE YOUR oh so close to making the playoffs with a big STORY. Click on it and you can read comments some of our members have posted mid-season winning streak. Will they make it about their experiences as Innovations members. this year? Come out to Gavlak Stadium and see for yourself! Know someone who could benefit from these words of wisdom? There’s a link so that you can share testimonials with your friends and family and they can join online Tickets are available from our Thomas Drive if they like what they see. and 23rd Street locations. For additional information on this year’s roster and schedule, Would you like to share your thoughts, too? There’s a button at the bottom visit www.panamacitypirates.com, or call the of the page that will link you to where you can sign in, tell your story and Renegade Sports Center at 850.248.0380. even add a photo if you like. Check it out—we’d love to hear from you!

Board of Directors Management Team Operating Statistics (05/31/2009) Office Locations James Kott Chairman David Southall President/CEO Assets $143,198,000 and Hours Darius Goodin Vice Chairman Scott Gladden Senior Vice President/COO Member Shares $130,229,000 (Monday – Friday) Rob Fernandez Treasurer Lesley L. Miller Senior Vice President/CFO Loans Outstanding $110,569,000 910 Thomas Drive Gloria Sanchez Secretary Karen M. Hurst Senior Vice President/CMO Members 14,994 Panama City Beach Kenneth Baumann Director Linda Kelley Vice President Human Resources Hours: 9 a.m. – 5 p.m. Drive Up: 8 a.m. – 5 p .m. Ted Dempsey Director Angie McCauley Marketing Director Craig Ellis Director Sue Von Thun IT/Electronic Service Director 700 West 23rd Street Clif Parker Director Angie Burnett Director of Projects Panama City Joe Rudolph Director Jacquelyne Acello Manager – Thomas Drive How to Contact Us Hours: 9 a.m. – 5 p.m. Tricia Cottle Manager – Callaway Credit Union/Local 233.4400 Drive Up: 8 a.m. – 5 p.m. Supervisory Committee Maribett Ferndandez Manager – Jenks Avenue Audio Response/Local 233.4414 Kenneth White Chairman Cathi Theut Manager – 23rd Street Credit Union/Out of Area 800.291.6272 625 Jenks Avenue Panama City Mario Berenguer Member Shannon Williams Manager – Lynn Haven Audio Response/Out of Area 800.887.2634 Hours: 8 a.m. – 5 p.m. Bill Jones Member Dan Chaplik Collections Manager LoanCONNECT 24/7 Call Center 877.233.8564 Mark Harwell Mortgage Manager Valerie Powell Member 2250 South Highway 77 Lynn Haven Web Hours: 9 a.m. – 5 p.m. Drive Up: 8 a.m. – 5 p.m. www.innovationsfcu.org www.sparkingchange.com 864 North Tyndall Parkway www.everythinghasitsgoodpoints.com We Do Business In Accordance With The Federal Fair Housing Law and The Callaway Equal Credit Opportunity Act Hours: 8 a.m. – 5 p.m.