A MESSAGE FROM THE CHAIRMAN NEWSLETTER

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1 A MESSAGE FROM THE CHAIRMAN In 1936, being a member of a credit union really meant something. It meant you had a voice in your financial institution. It meant that you were a part of a community. It meant home town service that was as individual as each member. Guess what? Over 75 years later, being a member of Tallahassee-Leon Federal Credit Union still means all those things and so much more. We are still strong and the future looks brighter than ever. We are so proud to be celebrating our 75th annual meeting in 2012, and we want to thank YOU, our members, for making us so successful. While we will certainly spend some time looking back this year over our phenomenal journey, we are, most importantly, looking forward. There are great things on the horizon for Tallahassee-Leon Federal Credit Union, and it s my honor to tell you about some of them. In March we will host our 75th annual meeting at which we will celebrate and recognize you, our members. We look forward to seeing you face-to-face at this family-friendly event and hearing your ideas and suggestions about the future of TLFCU. Throughout 2012, we will be sharing 75 real stories of real members of Tallahassee-Leon FCU. We will be inviting you to share your stories, or honor a family member by sharing a remarkable story of their experience with their credit union. Did your parent help you set up your first TLFCU account as a child? Can you remember depositing your first paycheck at TLFCU? We want to hear your TLFCU story. Stay tuned for details! We hope that you are as proud as we are to be a part of a financial institution that is woven into the fabric of Tallahassee history. In these financial times, being proud of where you bank is a rare feeling for some. I invite you to share your story of membership with TLFCU with us and with your circle of influence: family, friends, co-workers. Tell them that they can join TLFCU and we will promise to help them become better off financially tomorrow than they are today. HERE S TO THE NEXT 75 YEARS! Rick Feldman Chairman of the Board

2 CREDIT WHERE CREDIT IS DUE TALLAHASSEE NATIVE LISA BROWN CELEBRATES ONE YEAR AT THE HELM OF TALLAHASSEE-LEON FEDERAL CREDIT UNION. By Amanda Broadfoot One year ago, Lisa Brown proudly took the reins as CEO of Tallahassee-Leon Federal Credit Union. An 18-year veteran of the credit union industry, Brown was excited to return to her home town: It s important to have developed my career, worked across the state, and to finally come back home to Tallahassee. I love being able take what I ve learned and use that knowledge to improve life for my family and the community with whom I grew up. Brown, a wife and mother of two, is a multi-generational native of Tallahassee, as is her husband, Tim. We were all born at the same hospital! she laughs. My grandfather was actually one of the founding doctors at TMH, one of the 11. Starting her career in the credit union industry at the age of 17, Brown went on to earn her MBA and rise to leadership during the worst economic crisis of her lifetime. I worked at a credit union down south, she explains. It was ground zero for the housing crisis. I worked there three years and it was eye-opening. That experience had a profound impact on her, she says, and strengthened her respect for the credit union industry as a whole. Part of my job down there was to interact with different people that were in financial trouble, she explains. We actually went to their homes and sat down at their kitchen tables and looked for ways for them to stay [in their homes] and make it work. Brown says that the biggest lesson she learned is to remember that each collection file represents a human being: All of them are people, and they all have stories and real lives. They are moms and brothers. They all ultimately want the same thing, and that is to be financially stable and not to worry about where the next meal is coming from. The goal of Tallahassee-Leon Federal Credit Union, Brown says, is to help our members be better off financially tomorrow than they are today. Period. And acting in the member s best interest means sometimes helping them avoid financial pitfalls. That s why we ll say no to the 20-year-old student asking for a huge limit on a credit card, says Brown. That s not in their best financial interest. Instead, we ll help them plan to responsibly build good credit, so that they ll be able to meet long-term financial goals like paying off student loans and buying a house. As Brown celebrates the end of her first year at Tallahassee-Leon Federal Credit Union, the financial institution is itself celebrating a birthday its 75th in Those two milestones have inspired a lot of reflection in Lisa Brown. Tallahassee-Leon has a lot to be proud of. We re the oldest community credit union in Tallahassee. We know you by name, and we know your family member s names. We know your situation, and we are here to offer that helping hand up. We are coaches here to help you figure out your plan when you re 5 until you re 105.

3 COULD YOU USE $ 500 IN CASH TLFCU CONTINUES TO OFFER THE BEST DEAL IN TOWN FOR MEMBERS WHO REFINANCE THEIR AUTO LOAN WITH US UP TO $500 CASH BACK * AT CLOSING! Simply move your loan to Tallahassee s hometown credit union and receive 2% of the loan balance back in cold, hard cash. Check with one of our helpful member service folks for details today! Apply online at TLFCU.org or at any branch location. *Bonus is only available for vehicles currently financed with another lender. The member is responsible for paying all fees associated with the loan, including doc stamps, title, and lien fees. Loan approval is subject to credit verification, income level, debt ratio, collateral approval and TLFCU's underwriting guidelines. Some restrictions may apply. Programs, rates, terms and conditions are subject to change without notice. Ask one of our Loan Specialists for all details, fees, and current rates. KEEP US UPDATED! Have you moved or changed phone numbers? It is important to keep us updated! Not only does this ensure you received all your regular statements, it will help us contact you in the event we see suspicious or unauthorized transactions on your account. Give us a call or come in to any branch. E-STATEMENTS: FAST, FREE AND SECURE! Don't let your statements sit in your mailbox: Let them be delivered securely to your inbox! Sign up for e-statements in TALLEOnline and receive notification at the beginning of the month when they are ready to view.

4 THE ADVANTAGE OF DEBT CONSOLIDATION BURIED UNDER CREDIT CARD BILLS? STRESSED ABOUT LATE PAYMENTS? DEBT CONSOLIDATION MIGHT BE A GOOD SOLUTION FOR YOU. Debt consolidation is the process of combining several smaller debts into one large loan, often with a smaller payment and/or lower interest rate. This can be a smart choice if you have many credit cards with high interest rates or have trouble managing multiple payments and remembering to make them on time. There are several ways to consolidate debts. Some loans involve collateral; for instance, financing a paid-off car in order to wipe out credit card debts. Other debt consolidation loans entail moving several credit card balances on to one, lower interest credit card. The right loan for you depends upon your individual financial situation, and the member service professionals at Tallahassee-Leon Federal Credit Union are ready to help you find the right solution for your debt consolidation needs. Tallahassee-Leon Federal Credit Union has great rates on debt consolidation loans and easy payment plans. In fact, we can set up automatic withdrawals from your checking account or payroll, guaranteeing that your payment will be on time, every time. TLFCU wants 2012 to be the year you become better off financially than you ve ever been. Stop by and talk to one of our helpful TLFCU associates for more information. * Loan approval is subject to credit verification, income level, debt ratio, collateral approval and TLFCU's underwriting guidelines. Some restrictions may apply. Programs, rates, terms and conditions are subject to change without notice. Ask one of our Loan Specialists for all details, fees, and current rates.

5 OUR LOCATIONS MAIN OFFICE 1827 Capital Circle NE Tallahassee, FL Local (850) Option 2 Toll Free (866) Option 2 HOURS Lobby Monday, Tuesday, Thursday and Friday 9:00 a.m. 5:00 p.m. Wednesday 10:00 a.m. 5:00 p.m. Drive Thru Monday Friday 8:00 a.m. - 6:00 p.m. 24 hour drive up and walk up deposit taking ATM available at this location WESTSIDE BRANCH 2020 W. Pensacola St., Suite 54 Tallahassee, Florida Local (850) Option 4 Toll Free (866) Option 4 HOURS Monday and Tuesday 9 a.m. - 5 p.m. Wednesday 10:30 a.m. 5 p.m. Thursday and Friday 9 a.m. 6 p.m. 24 hour walk up deposit taking ATM at this location

6 Why throw away your money? Save with Sprint! Join the over 1.3 Million credit union members nationwide that are already saving over $138 million on their wireless plans! Tallahassee-Leon Federal Credit Union is pleased to bring our members these major savings through the Sprint Credit Union Member Discount Plan. Ways you can save: 10% off* most regularly priced Sprint individual service plans 15% off* most regularly priced Sprint business service plans Waived activation fee on new activations Waived upgrade fee Available to new and existing Sprint customers Enjoy the perks, benefits and exclusive discounts that only credit union members like you can receive. 3 Ways to Get Your Discount: Call 877.SAVE.4CU ( ) and let them know you re a credit union member. Ask to be a part of the NACUC_ZZM Corporate ID to save. Click Visit your nearest Sprint store. What are you waiting for? Start saving today! *Application of discount requires 2-year contract extension on existing plans. Verification of membership is required at time of activation/upgrade. All rights reserved. Sprint, the logo, and other trademarks are the trademarks of Sprint Nextel.

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