Fee-Free

Safety, Security & StabilityProtecting You & Your FundsEnsuring the security of Members’ funds is ournumber one priority. That is why our web site nowfeatures a variety of educational articles that discussimportant topics such as the stability of your creditunion, security, and confidentiality. We encourageyou to visit our web site at www.octfcu.org and clickon the Protecting You & Your Funds link tolearn more.

New Fee-Free ATM Locations

To search 1000s of ATM locations, visit www.octfcu.org,click on the About Us link, and ATM Locations.

Disclosure of Terms and Conditions*Auto Loans — 4.9% APRAPR=Annual Percentage Rate.The rate shown here is the lowest available, requires20% down, and reflects a 3/4 percent discount for payments made through automatictransfer from your OCTFCU Share Savings or Checking account. Offer does not applyto the refinance of existing OCTFCU auto loans. OCTFCU’s loan program features arange of interest rates for some of its consumer loans. A rate is based on a variety offactors, including the applicant’s credit rating and OCTFCU account history.**APR=Annual Percentage RateRates are current as of April 23, 2003.This is a variable rate line of credit tied to the30-Day Certificate of Deposit rate as reported by the Federal Reserve, and is subjectto change monthly.The maximum APR that can apply is 18%.The introductory rateapplies for the first six billing cycles on new loans, is not based on the index plusmargin, and is not valid for 100% financing.***Minimum advance $250 per advance†Member Investment Services

Investment products and services offered through CUSOFinancial Services, L.P. (CFS) are not NCUA/NCUSIFinsured, not credit union guaranteed and may lose value.Financial advisors are employed by Member InvestmentServices, a wholly owned subsidiary of OCTFCU, andregistered through CFS. OCTFCU is in partnership withCFS, member NASD/SIPC.††OCTFCU Visa Travel Purchase PromotionAPR=Annual Percentage Rate. Promotional 5.9% APR is valid for new purchases in theairline, car rental, gasoline, and hotel/motel lodging categories only between May 1, 2003and August 31, 2003.The 5.9% promotional rate will apply to all promotional purchasebalances until the promotional balance is paid in full. Payments will be applied first tofinance charges, fees, promotional balance, and then regular balance. OCTFCU has acredit card program that features a range of interest rates. Regular Visa rates are 8.9%APR, 9.9% APR, 11.9% APR, or 13.9% APR. Rates are based on a variety offactors, including the applicant’s credit rating andOCTFCU account history. Regular Visa rates arecurrent as of April 23, 2003 and are subject to change.

A Quick Guide to thisMonth’s Highlights

May

• Anaheim1830 W. Romneya Drive(1st floor, North Orange CountyCommunity College District)

• Ladera Ranch Burger King27702 Crown Valley Parkway(in Bridgepark Shopping Center)

• Laguna Niguel Burger King28201 Greenfield Drive(in “The Center at Laguna Niguel”Shopping Center)

• Newport Beach Burger King5180 Birch Street (at Jamboree)

• Orange Albertson's4550 East Chapman Avenue(between Prospect and Hewes)

• Rancho Santa MargaritaBurger King22351 Antonio Parkway(at Coto de Caza Dr.)

• Yorba Linda21550 Yorba Linda Canyon Blvd.(at Yorba Linda Blvd.)

Notice:The ATM in the Orange Burger King at2734 N. Tustin Ave. has been removed.

MayHighlights

Ready to Spring for a Car?We’ve got more than great rates this season toput you in the car of your dreams. Consider thefollowing OCTFCU Auto Loan features whendetermining financing for your next vehiclepurchase:

Because we specialize in auto loans, you knowyou’re getting an excellent value and thepersonalized service you deserve as an OCTFCUMember. Visit our web site at www.octfcu.org orcall our Telephone Service Center to apply.

Home Equity Line of CreditRates Reduced!With an OCTFCU Home EquityLine of Credit (HELOC), you canborrow as much or as little as youneed. Simply write a check toaccess your account as often as youlike, up to your available credit limit.***And with rates as low as 4.75% APR,** and thefollowing features, an OCTFCU HELOC may bejust what you need:

• Low introductory rate of 3.9% APR** for the first sixmonths on loans up to 80% Loan-to-Value

• Loan amounts up to $250,000• Ten-year draw period with interest-only payments on

the amount you use, followed by a fully amortized15-year repayment period

• $50 annual fee waived with automatic payment transfer

To apply for an OCTFCU HELOC, complete ourquick online application at www.octfcu.org, or callour Telephone Service Center.

Explore Innovative Investment StrategiesOCTFCU's subsidiary, Member Investment Services,†can help you refine your investment strategies throughtheir popular, complimentary financial planningseminar Retirement Investment Strategies:

Choose from Three DatesWednesday, May 21, July 30, and August 20 5:30 p.m. - 7 p.m.OCTFCU Santa Ana branch location2115 N. Broadway (at Buffalo)

Sign up online at www.octfcu.org, or call ourTelephone Service Center at 714/258-4000,extension 8302, or 800/4OCTFCU(800/462-8328), extension 8302.

Calendar of Holidays and EventsMonday May, 26Memorial Day (All OCTFCU branches closed)

Visa Summer TravelPurchases 5.9% APR††

Whether you’re planning a trip to Italy or aweekend getaway to Carmel, you’ll enjoy a 5.9%APR†† on all your airline, car rental, gas, andhotel/motel purchases made with your OCTFCUVisa between May 1 and August 31, 2003.

This low rate will apply to new purchase transactionsfor the categories listed above, and is not applicablefor balance transfers, cash advances, ornon-travel purchase transactions. Thepromotional rate will apply for the lifeof all eligible purchases. Payments willbe first applied to balances incurredduring the promotion period.

The fun summer months are almosthere, so make your travel plans today!

For details on information provided in this insert, visit our website at www.octfcu.org, or call our Telephone Service Center at

714/258-4000 or 800/4OCTFCU (800/462-8328) Mondaythrough Friday, 7 a.m. to 7 p.m., and Saturday 10 a.m. to 3 p.m.

• New and used auto loan rates as low as 4.9% APR*with 20% down

• No application or funding fees (other lenders mayapply a $75 fee)

• Terms up to 84 months

GASINCLUDED!

HELOC RATESas Low as

4.75% APR**

HELOC RATESas Low as

4.75% APR**