4 1

L O C A T I O N SThalia Branch

4164 Virginia Beach Blvd.

Virginia Beach, VA 23452

Courthouse Marketplace Branch

2476 Nimmo Parkway, Suite 122

Virginia Beach, VA 23456

Mortgage Lending Services

Drive-thru & ATM

2501 Courthouse Drive

Virginia Beach, VA 23456

Lobby & Drive Thru Hours

Mon. - Thurs. 9am - 5pm

Fri. & City Paydays 9am - 5:30pm

WEB

www.beachmunicipal.org

IMPORTANT PHONE NUMBERS

Main: 757.333.7787

Main Fax: 757.333.7868

P.A.T. (Phone Audio Teller)

1.800.391.9007

BOARD OF DIRECTORSNianza Wallace

Chairperson

Kevin CartinoVice Chairperson

Bill SiverdSecretary

Robert W. HallTreasurer

Kathryn (Kitty) HillBoard Member

William (Bill) MeadorBoard Member

Lois RitgerBoard Member

SUPERVISORY COMMITTEEVice Chairperson, Bob Hayes

Secretary, Rusty Bedard Member, Sharon McCullough

Member, Cheryl Kraemer

CHIEF EXECUTIVE OFFICER Kimberly Shore

A PUBLICATION OF BEACH MUNICIPAL

FEDERAL CREDIT UNIONFall 2007

All members are invited to attend, so please mark your calendars and join us. We hope to see you there!

This year’s Annual Meeting will be held:

Beach Municipal Federal Credit Union is owned by its members and is operated under the direc-

tion of a volunteer board of directors you elect. You can be confident that your financial privacy

is a top priority of this credit union. We are required by law to give you this privacy notice to

explain how we collect, use, and safeguard your personal financial information. If you have any

questions, please contact a Member Service Representative at 757.333.7787.

We are committed to providing you with competitive products and services to meet your financial

needs. This necessitates that we share information about you to complete your transactions and

to provide you with certain financial opportunities. In order to do so, we have entered into agree-

ments with other companies such as data processors, check printers, credit union service organi-

zations, and credit union insurance companies that provide either services or additional financial

products to us for you to consider.

Information We Collect and Disclose About YouWe collect the following nonpublic personal information about you from the following sources:

n Information you give us on applications or other forms

n Information about your transactions with us

n Information about your transactions with other parties

n Information obtained when verifying the information you provide on an application or

other form(s)

n Information from a consumer reporting agency

We may disclose all the information we collect to companies with which we have joint marketing

agreements that assist us in delivering products and services that meet or exceed your expecta-

tions. To protect our members’ privacy, we only work with companies that agree to maintain

strong confidentiality protections and limit the use of information we provide. We do not permit

these companies to sell the information we provide to them to other third parties.

We may also disclose information we collect about you under other circumstances as permitted or

required by law. These disclosures typically include information to process and service transac-

tions on your behalf, conduct the operations of our credit union, follow your instructions as you

authorize, or protect the security of our financial records. Beach Municipal Federal Credit Union

does not and will not sell your personal information to third parties.

If you terminate your membership with Beach Municipal Federal Credit Union, we will not share

information we have collected about you, except as permitted or required by law.

How We Protect Your InformationWe restrict access to nonpublic personal information about you to those employees who have a

specific business purpose in utilizing your data. Our employees are trained in the importance of

maintaining confidentiality and member privacy. We maintain physical, electronic, and proce-

dural safeguards that comply with federal regulations and leading industry practices to safeguard

your nonpublic personal information.

What You Can Do To Helpn Protect your account numbers, card numbers, PINs (Personal Identification Numbers) and

passwords. Never keep your PIN with your ATM, debit or credit card, for doing so can

provide complete access to your accounts if your card is lost or stolen.

n Use caution when disclosing your account numbers, social security numbers, etc. to any person

or entity. If an unknown person calls you, explains that the call is on behalf of Beach Municipal

Federal Credit Union and asks for your account number, be aware! Only official credit union

staff will have access to your information and will rarely need to ask for it.

n Keep your information with us current. It is important that we have current information on how

to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account,

we will attempt to contact you immediately. If your address or phone number changes, please

let us know.

n If you have any questions, please do not hesitate to call us.

We are here to serve our members and protect your privacy.

Beach Municipal Federal Credit Union PRIVACY NOTICE

Credit unions are not-for-profit financial cooperatives, owned by the people who save and borrow there. Unlike most other financial institutions, credit unions do not issue stock or pay dividends to outside stockholders. Instead, earnings are returned to our members in the form of lower loan rates, higher interest on deposits, and lower fees.

It’s a difference that matters. For the 21st consecutive year, credit unions ranked higher than banks and other traditional financial institutions in “customer satisfac-tion” in the 2005 American Banker/Gallup Consumer Survey.

For 59 years, credit unions have set aside the third Thursday in October as Interna-tional Credit Union Day (the fifth day of International Credit Union Week) to cel-ebrate this difference. Each year, it gives us an opportunity to remember our proud history as we promote understanding and support for the credit union difference.

To learn more about credit unions and the credit union movement, visit Credit Union National Association online at www.cuna.org or the Virginia Credit Union League at www.vacul.org.

This International Credit Union Day, we are excited to be a part of your hopes and dreams. Thank you for being part of the credit union difference.

C E L E B R A T I N GInternational Credit

Union Week

Subprime Mortgage Crisis?

Not at Beach Municipal!Millions of Americans have been impacted by the current subprime mortgage crisis. At Beach Municipal, however, it’s been business as usual. The reason: we have steadfastly avoided the predatory practices now causing so much trouble for borrowers, lenders and investors across the nation.

As it has since 1970, Beach Municipal continues to operate with responsible lending policies and prudent investment choices. Simply stated, your credit union does not and has not made subprime loans.

Have you been affected by the subprime crisis?Mortgages are typically the biggest, most important loans in our members’ lives. The type of loan and the repayment options you choose will likely determine how comfortably you live today and in the future. At Beach Municipal we pride ourselves in helping our mem-bers buy – and keep – their homes. If you’re worried about your mortgage or would like to take advantage of our highly competitive rates, we’re here to help! Be it a first mortgage, second mortgage or home equity line of credit, you’ll have peace of mind in knowing that your credit union loan officer will listen to your needs and goals and incorporate those into expert advice that will help you make the right mortgage decision.

For more information or help in under-standing how a credit union mortgage loan can benefit you, please contact our Mortgage Department.

W H E N Wednesday, November 28th W H E R E Thalia Branch Office 4164 Virginia Beach Blvd. T I M E 6:00 p.m.

2 0 0 7

Annual

Meeting

Holiday Closings

Beach Municipal Federal Credit

Union will be closed in observance

of the following holidays:

C O L U M B U S D A Y

Monday, October 8, 2007

V E T E R A N ’ S D A Y

Monday, November 12, 2007

T H A N K S G I V I N G

Thursday, November 22 &

Friday, November 23, 2007

C H R I S T M A S

Tuesday, December 25, 2007

N E W Y E A R ’ S

Tuesday, January 1, 2008

32

to our Winner!

Have You Been Vished?With users getting smart to Phishing and other fraudulent tricks, thieves are finding new ways to steal from you. A recent example of fraud ingenuity is the use of Voice over Internet

Protocol (VoIP) phones to steal a person’s financial information. This scam is called “vishing” -- short for “voice phishing.” According to CUNA Mutual, the leading financial services provider to credit unions and their members, there are at least two “Vishing” methodologies scammers use:

Online Version The scammer sends a blast e-mail, disguised to appear as though it’s from your credit union, bank, online payment service or other well-known business. The e-mail, which may have a trusted logo, typically reports a “security” problem with the recipient’s account and urges the person to call a telephone number to “straighten things out.” Although many people

know better than to click on hyperlinks in strange e-mails for fear of being “phished,” they often feel safe calling a telephone number that appears to be local or toll-free. When the person calls, they reach an automated attendant prompting them to enter their account number, password or other private information for “security verification” purposes. By doing so the account informa-tion is digitally transcribed onto the hard drive of the scammer’s computer.

Cold Call Some “vishers” use automated dialing programs to “cold call” people. The person’s caller ID device may list a legitimate-looking local phone number to inspire trust from the recipient. A prerecorded message (or sometimes a live “employee”) claims the person’s account has been compromised or needs updating or verification. The person is asked to enter their account information, which, again, is digitally transcribed onto the hard drive of the scammer’s computer.

You should report vishing attacks, or any attempt to fraudulently obtain your personal informa-tion, to your local federal law enforcement agency immediately. Many agencies now have cyber threat units that are well-versed in investigating these activities. With a little bit of caution and extra awareness, you can protect yourself from losing your identity and your money. Remember, we are here to help. If you would like more informa-tion about identity theft, or would like Beach Municipal to assist your organization in ways to educate, deter or prevent identity theft, please contact our marketing/education department at 757.333.7787 or email us at cumarketing@beachmunicipal.org.

Is Grandma A Target? How can you tell if an older relative, friend, or client may be a target for telemarketing fraud?

Here are some warning signs from the National Fraud Information Center (NFIC):

n The person receives lots of junk mail for contests, "free trips," prizes and sweepstakes

n The person gets frequent calls from people offering valuable awards, great money-making

opportunities, or charitable donations

n The person has lots of cheap items such as costume jewelry, watches, pens and pencils,

small appliances, beauty products, water filters, or other products that he or she either pur-

chased in order to "win" something or received as so-called "valuable prizes"

n The person has made numerous checks or withdrawals for escalating amounts of money to

unfamiliar, out-of-state companies

n The person begins to act very secretively about phone calls

n The person is having payments picked up by private courier services or wiring money to

companies

n The person is having sudden problems paying bills, or buying food or other necessities

Don’t:n Blame the person for being stupid, greedy or foolish. Telemarketing swindlers are good at

what they do and take advantage of people's honesty, politeness and optimism.

n Threaten to take away the person's financial or physical independence. This may only make

the person secretive and resentful.

Do:n Help the person assemble the information to report the fraud to the state or local consumer

protection agency or to the NFIC

n Emphasize the criminal nature of telemarketing fraud and help the person learn how to iden-

tify it

n Encourage the person to hang up on telephone solicitations that seem suspicious

n Have a calm discussion and try to come to an agreement about the best way to handle the

person's finances in the future. If he or she seems to be truly incompetent, seek legal advice.

Help the person change his or her phone number, if necessary.

Remember, giving money to a fraudulent telemarketer usually means losing it forever. Don’t

let a criminal break into your home through your telephone line! For more tips, go to the

telemarketing section of the NFIC web site (www.fraud.org/telemarketing/teleset.htm).

Here’s Why Your IRA Should Be At Beach Municipal Federal Credit Union

If you don’t have an IRA, you owe it to yourself and your financial future to start your account

now. And even if you have an IRA somewhere else, there are some compelling reasons for mov-

ing your account here.

Our rates are competitive, your account is insured, and we

pay particular attention to your personal financial needs,

because at Beach Municipal, you are a member, not just a

customer. That’s why if you already have an IRA, you should

consider moving it here. Contact one of our Member Services

Coordinators today and they will help start the process for

moving your funds.

Starting your IRA, or transferring it to Beach Municipal Fed-

eral Credit Union, could be one of the best financial moves

you’ll ever make. If you would like more details or have any

questions, call one of our Member Services Coordinators at

757.333.7787.

This article is not intended to provide tax advice. Contact a tax professional.

Inclement Weather P O L I C Y

The winter season is right around

the corner, and with it comes the

risk of inclement weather. At Beach

Municipal, we value your safety as

well as your business. If the City of

Virginia Beach closes its offices due

to severe weather, your credit union

will also close. We will make every

effort to re-open as soon as possible.

Before venturing out in inclement

weather, please call 757.333.7787

for our hours of operation.

Where IsYours?

In July, Beach Municipal hosted

a “Wet & Wild in The Pipeline”

contest. All Pipeline members

were invited to stop by one of the

main branches and register to win

two tickets to Water Country USA.

Please join us in congratulating our

winner, Xavier Green.

If you’re between the ages of 13

and 17, you too are invited to join.

In The Pipeline, you’ll learn how to

turn that loose change into some-

thing you want, like your own com-

puter, a new stereo, even a car. Plus,

we offer Guides to Independence,

a series of interactive online courses

on topics from managing a checking

account to buying a used car. Best

of all, you’ll earn FREE music

downloads just for participating!

Contact the credit union or go online

at www.beachmunicipal.org to learn

more.

Life is short…go live it!

Make time for the important things

in life with our convenient, auto-

mated services like Virtual Branch

internet home banking, Bill Payer

and eStatements. All your account

information available when you

want it, wherever you want it. Now

that’s convenience at your fingertips!

Contact a Member Services Coordi-

nator to enroll.

Holiday Closings

Beach Municipal Federal Credit

Union will be closed in observance

of the following holidays:

C O L U M B U S D A Y

Monday, October 8, 2007

V E T E R A N ’ S D A Y

Monday, November 12, 2007

T H A N K S G I V I N G

Thursday, November 22 &

Friday, November 23, 2007

C H R I S T M A S

Tuesday, December 25, 2007

N E W Y E A R ’ S

Tuesday, January 1, 2008

32

to our Winner!

Have You Been Vished?With users getting smart to Phishing and other fraudulent tricks, thieves are finding new ways to steal from you. A recent example of fraud ingenuity is the use of Voice over Internet

Protocol (VoIP) phones to steal a person’s financial information. This scam is called “vishing” -- short for “voice phishing.” According to CUNA Mutual, the leading financial services provider to credit unions and their members, there are at least two “Vishing” methodologies scammers use:

Online Version The scammer sends a blast e-mail, disguised to appear as though it’s from your credit union, bank, online payment service or other well-known business. The e-mail, which may have a trusted logo, typically reports a “security” problem with the recipient’s account and urges the person to call a telephone number to “straighten things out.” Although many people

know better than to click on hyperlinks in strange e-mails for fear of being “phished,” they often feel safe calling a telephone number that appears to be local or toll-free. When the person calls, they reach an automated attendant prompting them to enter their account number, password or other private information for “security verification” purposes. By doing so the account informa-tion is digitally transcribed onto the hard drive of the scammer’s computer.

Cold Call Some “vishers” use automated dialing programs to “cold call” people. The person’s caller ID device may list a legitimate-looking local phone number to inspire trust from the recipient. A prerecorded message (or sometimes a live “employee”) claims the person’s account has been compromised or needs updating or verification. The person is asked to enter their account information, which, again, is digitally transcribed onto the hard drive of the scammer’s computer.

You should report vishing attacks, or any attempt to fraudulently obtain your personal informa-tion, to your local federal law enforcement agency immediately. Many agencies now have cyber threat units that are well-versed in investigating these activities. With a little bit of caution and extra awareness, you can protect yourself from losing your identity and your money. Remember, we are here to help. If you would like more informa-tion about identity theft, or would like Beach Municipal to assist your organization in ways to educate, deter or prevent identity theft, please contact our marketing/education department at 757.333.7787 or email us at cumarketing@beachmunicipal.org.

Is Grandma A Target? How can you tell if an older relative, friend, or client may be a target for telemarketing fraud?

Here are some warning signs from the National Fraud Information Center (NFIC):

n The person receives lots of junk mail for contests, "free trips," prizes and sweepstakes

n The person gets frequent calls from people offering valuable awards, great money-making

opportunities, or charitable donations

n The person has lots of cheap items such as costume jewelry, watches, pens and pencils,

small appliances, beauty products, water filters, or other products that he or she either pur-

chased in order to "win" something or received as so-called "valuable prizes"

n The person has made numerous checks or withdrawals for escalating amounts of money to

unfamiliar, out-of-state companies

n The person begins to act very secretively about phone calls

n The person is having payments picked up by private courier services or wiring money to

companies

n The person is having sudden problems paying bills, or buying food or other necessities

Don’t:n Blame the person for being stupid, greedy or foolish. Telemarketing swindlers are good at

what they do and take advantage of people's honesty, politeness and optimism.

n Threaten to take away the person's financial or physical independence. This may only make

the person secretive and resentful.

Do:n Help the person assemble the information to report the fraud to the state or local consumer

protection agency or to the NFIC

n Emphasize the criminal nature of telemarketing fraud and help the person learn how to iden-

tify it

n Encourage the person to hang up on telephone solicitations that seem suspicious

n Have a calm discussion and try to come to an agreement about the best way to handle the

person's finances in the future. If he or she seems to be truly incompetent, seek legal advice.

Help the person change his or her phone number, if necessary.

Remember, giving money to a fraudulent telemarketer usually means losing it forever. Don’t

let a criminal break into your home through your telephone line! For more tips, go to the

telemarketing section of the NFIC web site (www.fraud.org/telemarketing/teleset.htm).

Here’s Why Your IRA Should Be At Beach Municipal Federal Credit Union

If you don’t have an IRA, you owe it to yourself and your financial future to start your account

now. And even if you have an IRA somewhere else, there are some compelling reasons for mov-

ing your account here.

Our rates are competitive, your account is insured, and we

pay particular attention to your personal financial needs,

because at Beach Municipal, you are a member, not just a

customer. That’s why if you already have an IRA, you should

consider moving it here. Contact one of our Member Services

Coordinators today and they will help start the process for

moving your funds.

Starting your IRA, or transferring it to Beach Municipal Fed-

eral Credit Union, could be one of the best financial moves

you’ll ever make. If you would like more details or have any

questions, call one of our Member Services Coordinators at

757.333.7787.

This article is not intended to provide tax advice. Contact a tax professional.

Inclement Weather P O L I C Y

The winter season is right around

the corner, and with it comes the

risk of inclement weather. At Beach

Municipal, we value your safety as

well as your business. If the City of

Virginia Beach closes its offices due

to severe weather, your credit union

will also close. We will make every

effort to re-open as soon as possible.

Before venturing out in inclement

weather, please call 757.333.7787

for our hours of operation.

Where IsYours?

In July, Beach Municipal hosted

a “Wet & Wild in The Pipeline”

contest. All Pipeline members

were invited to stop by one of the

main branches and register to win

two tickets to Water Country USA.

Please join us in congratulating our

winner, Xavier Green.

If you’re between the ages of 13

and 17, you too are invited to join.

In The Pipeline, you’ll learn how to

turn that loose change into some-

thing you want, like your own com-

puter, a new stereo, even a car. Plus,

we offer Guides to Independence,

a series of interactive online courses

on topics from managing a checking

account to buying a used car. Best

of all, you’ll earn FREE music

downloads just for participating!

Contact the credit union or go online

at www.beachmunicipal.org to learn

more.

Life is short…go live it!

Make time for the important things

in life with our convenient, auto-

mated services like Virtual Branch

internet home banking, Bill Payer

and eStatements. All your account

information available when you

want it, wherever you want it. Now

that’s convenience at your fingertips!

Contact a Member Services Coordi-

nator to enroll.

4 1

L O C A T I O N SThalia Branch

4164 Virginia Beach Blvd.

Virginia Beach, VA 23452

Courthouse Marketplace Branch

2476 Nimmo Parkway, Suite 122

Virginia Beach, VA 23456

Mortgage Lending Services

Drive-thru & ATM

2501 Courthouse Drive

Virginia Beach, VA 23456

Lobby & Drive Thru Hours

Mon. - Thurs. 9am - 5pm

Fri. & City Paydays 9am - 5:30pm

WEB

www.beachmunicipal.org

IMPORTANT PHONE NUMBERS

Main: 757.333.7787

Main Fax: 757.333.7868

P.A.T. (Phone Audio Teller)

1.800.391.9007

BOARD OF DIRECTORSNianza Wallace

Chairperson

Kevin CartinoVice Chairperson

Bill SiverdSecretary

Robert W. HallTreasurer

Kathryn (Kitty) HillBoard Member

William (Bill) MeadorBoard Member

Lois RitgerBoard Member

SUPERVISORY COMMITTEEVice Chairperson, Bob Hayes

Secretary, Rusty Bedard Member, Sharon McCullough

Member, Cheryl Kraemer

CHIEF EXECUTIVE OFFICER Kimberly Shore

A PUBLICATION OF BEACH MUNICIPAL

FEDERAL CREDIT UNIONFall 2007

All members are invited to attend, so please mark your calendars and join us. We hope to see you there!

This year’s Annual Meeting will be held:

Beach Municipal Federal Credit Union is owned by its members and is operated under the direc-

tion of a volunteer board of directors you elect. You can be confident that your financial privacy

is a top priority of this credit union. We are required by law to give you this privacy notice to

explain how we collect, use, and safeguard your personal financial information. If you have any

questions, please contact a Member Service Representative at 757.333.7787.

We are committed to providing you with competitive products and services to meet your financial

needs. This necessitates that we share information about you to complete your transactions and

to provide you with certain financial opportunities. In order to do so, we have entered into agree-

ments with other companies such as data processors, check printers, credit union service organi-

zations, and credit union insurance companies that provide either services or additional financial

products to us for you to consider.

Information We Collect and Disclose About YouWe collect the following nonpublic personal information about you from the following sources:

n Information you give us on applications or other forms

n Information about your transactions with us

n Information about your transactions with other parties

n Information obtained when verifying the information you provide on an application or

other form(s)

n Information from a consumer reporting agency

We may disclose all the information we collect to companies with which we have joint marketing

agreements that assist us in delivering products and services that meet or exceed your expecta-

tions. To protect our members’ privacy, we only work with companies that agree to maintain

strong confidentiality protections and limit the use of information we provide. We do not permit

these companies to sell the information we provide to them to other third parties.

We may also disclose information we collect about you under other circumstances as permitted or

required by law. These disclosures typically include information to process and service transac-

tions on your behalf, conduct the operations of our credit union, follow your instructions as you

authorize, or protect the security of our financial records. Beach Municipal Federal Credit Union

does not and will not sell your personal information to third parties.

If you terminate your membership with Beach Municipal Federal Credit Union, we will not share

information we have collected about you, except as permitted or required by law.

How We Protect Your InformationWe restrict access to nonpublic personal information about you to those employees who have a

specific business purpose in utilizing your data. Our employees are trained in the importance of

maintaining confidentiality and member privacy. We maintain physical, electronic, and proce-

dural safeguards that comply with federal regulations and leading industry practices to safeguard

your nonpublic personal information.

What You Can Do To Helpn Protect your account numbers, card numbers, PINs (Personal Identification Numbers) and

passwords. Never keep your PIN with your ATM, debit or credit card, for doing so can

provide complete access to your accounts if your card is lost or stolen.

n Use caution when disclosing your account numbers, social security numbers, etc. to any person

or entity. If an unknown person calls you, explains that the call is on behalf of Beach Municipal

Federal Credit Union and asks for your account number, be aware! Only official credit union

staff will have access to your information and will rarely need to ask for it.

n Keep your information with us current. It is important that we have current information on how

to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account,

we will attempt to contact you immediately. If your address or phone number changes, please

let us know.

n If you have any questions, please do not hesitate to call us.

We are here to serve our members and protect your privacy.

Beach Municipal Federal Credit Union PRIVACY NOTICE

Credit unions are not-for-profit financial cooperatives, owned by the people who save and borrow there. Unlike most other financial institutions, credit unions do not issue stock or pay dividends to outside stockholders. Instead, earnings are returned to our members in the form of lower loan rates, higher interest on deposits, and lower fees.

It’s a difference that matters. For the 21st consecutive year, credit unions ranked higher than banks and other traditional financial institutions in “customer satisfac-tion” in the 2005 American Banker/Gallup Consumer Survey.

For 59 years, credit unions have set aside the third Thursday in October as Interna-tional Credit Union Day (the fifth day of International Credit Union Week) to cel-ebrate this difference. Each year, it gives us an opportunity to remember our proud history as we promote understanding and support for the credit union difference.

To learn more about credit unions and the credit union movement, visit Credit Union National Association online at www.cuna.org or the Virginia Credit Union League at www.vacul.org.

This International Credit Union Day, we are excited to be a part of your hopes and dreams. Thank you for being part of the credit union difference.

C E L E B R A T I N GInternational Credit

Union Week

Subprime Mortgage Crisis?

Not at Beach Municipal!Millions of Americans have been impacted by the current subprime mortgage crisis. At Beach Municipal, however, it’s been business as usual. The reason: we have steadfastly avoided the predatory practices now causing so much trouble for borrowers, lenders and investors across the nation.

As it has since 1970, Beach Municipal continues to operate with responsible lending policies and prudent investment choices. Simply stated, your credit union does not and has not made subprime loans.

Have you been affected by the subprime crisis?Mortgages are typically the biggest, most important loans in our members’ lives. The type of loan and the repayment options you choose will likely determine how comfortably you live today and in the future. At Beach Municipal we pride ourselves in helping our mem-bers buy – and keep – their homes. If you’re worried about your mortgage or would like to take advantage of our highly competitive rates, we’re here to help! Be it a first mortgage, second mortgage or home equity line of credit, you’ll have peace of mind in knowing that your credit union loan officer will listen to your needs and goals and incorporate those into expert advice that will help you make the right mortgage decision.

For more information or help in under-standing how a credit union mortgage loan can benefit you, please contact our Mortgage Department.

W H E N Wednesday, November 28th W H E R E Thalia Branch Office 4164 Virginia Beach Blvd. T I M E 6:00 p.m.

2 0 0 7

Annual

Meeting