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1 fmily first Credit fmily first Credit Uni Limited Uni Limited fmilies fmilies Keeping you in in in uch with Fmily First Credit Uni - December 2010 Keeping you in uch with Fmily First Credit Uni - December 2010 WHY WHY PAY PAY FOR FOR RECORD WHY PAY FOR RECORD BANK BANK PROFITS? PROFITS? Mke chnge dy. Just hve look t Mke chnge dy. Just hve look t l clculr pge 3 see how much you could l clculr pge see how much you could sve sve if if you you refinnced refinnced y y mortgge mortgge with with Fmily Fmily First First Credit Credit Uni! Uni! Our prits go go bck creting better products members. Gret ATM Our ccess, prits crd go bck suit y creting needs, better line products bnking, gret members. interest rtes Gret ATM ccess, crd suit y needs, line bnking, gret interest rtes term term deposits deposits ls, ls, s s well well s s insurnce insurnce y y everydy everydy needs. needs. You re prt 4.5 milli Austrlins who lredy You re prt know benefits 4.5 milli credit Austrlins unis who lredy building know societies benefits credit unis building societies better better service service csistently csistently better better l l rtes*. rtes*. Why Why not not shre shre benefits benefits with with y y fmily fmily friends? friends? Why not shre benefits with y fmily friends? There There is is credit credit uni uni building building society society every every There is is credit uni building society every Austrlin. Austrlin. Austrlin. Visit Visit comesbckyou.com.u comesbckyou.com.u more more inmti. inmti. Visit comesbckyou.com.u more inmti. *Disclimer: Compris nlysis 30 yer $300,000 verge vrible *Disclimer: Compris nlysis 30 yer $300,000 verge vrible l l *Disclimer: rte rte ech ech Compris group group nlysis 4 mjor mjor bnks, bnks, yer credit credit $300,000 unis, unis, verge 10 building 10 building vrible societies societies l l rte rte ech ech group group using using 4 mjor mjor CANSTAR CANSTAR bnks, bnks, CANNEX CANNEX credit unis, 10 building societies using using CANSTAR CANSTAR CANNEX FAMILY FAMILY PHONE PHONE FIRST FIRST ACCESS: ACCESS: CREDIT CREDIT 1300 UNION 1300 UNION LIMITED LIMITED 900 ABN ABN BSB BSB AFSL NO PO 057 AFSL NO PO BOX BOX wwww.fmilyfirst.com.u 386, wwww.fmilyfirst.com.u 386, LITHGOW LITHGOW NSW NSW PHONE PHONE ACCESS: ACCESS: BRANCHES BRANCHES AT BATHURST AT BATHURST ABN ABN * * BLACKHEATH BLACKHEATH AFSL AFSL * * NO. NO. LITHGOW LITHGOW * MUDGEE wwww.fmilyfirst.com.u * MUDGEE wwww.fmilyfirst.com.u BRANCHES AT BATHURST * BLACKHEATH LITHGOW MUDGEE

2 At At Fmily Fmily First First Credit Credit Uni we hve hve Home Home L L suit you you y y fmily fmily No Applicti Fee Fee No Account Keeping Fee Redrw Fcility Avilble Mortgge Offset Avilble² Avilble² Interest Only Opti Avilble Strd Strd Strd Vrible Vrible Vrible Mortgge Mortgge Rte Rte Rte 7.00% p Compris Compris Rte¹ Rte¹ 7.06% p Premium Premium Home Home L L with with 100% 100% Offset² Offset² 7.25% p Compris Compris Rte¹ Rte¹ 7.31% p 1 Yer Yer Strd Strd Fixed Fixed Mortgge Mortgge Rte Rte 7.20% p³ p³ Compris Compris Rte¹ Rte¹ 7.08% p 1 1 Compris rte rte is is bsed $150,000 Secured Home or Investment l over 25 yer period. Compris rte is is true ly exmples given my my not not include ll ll fees Compris fees && chrges. rte Different is bsed terms, fees $150,000 or or or Secured l mounts Home or might Investment result in l different over 25 compris yer period. rte. Compris 2 Mortgge rte Offset is true vilble ly pplicti exmples (terms given & & cditis my not pply). include 3 3 ll fees Fixed rte chrges. rte reverts Different strd terms, fees vrible or or mortgge l mounts rte (currently might result 7.00% in p) different t compris expirti rte. fixed Mortgge term. Offset vilble pplicti (terms cditis pply). Fixed rte reverts strd vrible mortgge rte (currently 7.00% p) t expirti fixed term. Hssle-free protecti from Verified by VISA Wht is is it it ll bout? Wht is it ll bout? So you cn feel sfe when shopping -line, we re plesed nnounce we hve enhnced security So you cn feel sfe when shopping -line, we re plesed nnounce we hve enhnced security soluti, Verified by VISA. soluti, Verified by VISA. How does it it work? How does it work? Ech time you mke n line purchse with prticipting merchnt, Verified by VISA progrm ssesses risk level Ech time you mke n line purchse with prticipting merchnt, Verified by VISA progrm ssesses risk or level trnscti. Certin ctivity my seem out ordinry mybe becuse it s high dollr vlue trnscti, or trnscti. Certin ctivity my seem out ordinry mybe becuse it s high dollr vlue trnscti, or so retiler you ve never bought from bee. In se instnces you my be sked cfirm some simple persl detils so retiler we you ve be never bought from bee. In se instnces you my be sked cfirm some simple persl is detils so we cn be sure crd isn t being used without y permissi. Y privcy is priority this inmti is used ly we cn be sure crd isn t being used without y permissi. Y privcy is priority this inmti is used ly verify y identity. verify y identity. You re lredy protected! You re All lredy protected! All existing new VISA crds re umticlly registered this free service. Verified by by All VISA existing new by VISA crds re umticlly registered this free service. Verified by VISA is fered by growing number line merchnts throughout world currently more VISA thn is fered by growing number line merchnts throughout world currently more thn 200,000 merchnts worldwide. Look Verified by VISA symbol s sign tht se thn 200,000 vlue merchnts both y worldwide. Look Verified by VISA symbol s sign tht se merchnts vlue both y business y security. merchnts vlue both y business y security. For For more more inmti inmti bout bout Verified Verified by by VISA, VISA, cll us For more inmti bout Verified by VISA, cll us FAMILY FAMILY FIRST FIRST CREDIT CREDIT UNION UNION LIMITED LIMITED BSB BSB PO PO BOX BOX 386, 386, LITHGOW LITHGOW NSW NSW FAMILY PHONE FIRST ACCESS: CREDIT 1300 UNION 369 LIMITED 900 ABN BSB AFSL NO PO BOX wwww.fmilyfirst.com.u 386, LITHGOW NSW PHONE ACCESS: 1300 BRANCHES AT BATHURST ABN BLACKHEATH AFSL NO. LITHGOW * MUDGEE wwww.fmilyfirst.com.u BRANCHES AT BATHURST BLACKHEATH LITHGOW MUDGEE

3 LOAN LOAN COMPARISON CALCULATORS We We hve hve recently recently upgrded upgrded suite suite clculrs clculrs website. website. We We now now hve hve l l clculr clculr tht tht cn cn compre compre We hve recently upgrded suite clculrs website. We now hve l clculr tht cn compre svings svings bsed bsed two two l l scenrios. scenrios. Use Use this this compre compre svings svings between between Fmily Fmily First First Credit Credit Uni Uni l l l tken svings out bsed with n lterntive two l scenrios. finncil Use instituti. this The compre new clculrs svings cn between found Fmily s prt First Credit line Uni ols l found l tken out with n lterntive finncil instituti. The new clculrs cn be found s prt line ols found l right tken h out side with n lterntive pge: finncil instituti. The new clculrs cn be found s prt line ols found right right h h side side pge: pge: Just hve look t how much you could sve if if you refinnced y mortgge with Fmily First Credit Uni! Finncil Instituti Strd Vrible Compris Rte* Totl Mthly Totl Interest Totl Svings Mortgge Rte Repyment Fmily First CU CU 7.00% p p 7.06% p $1,061 $168, Commwelth Bnk 7.81% p p 7.94% p p $1,139 $191,672 $23,621 ANZ ANZ Bnk 7.80% p p 7.90% p p $1,138 $191,377 $23,326 Ntil Austrli Bnk 7.67% p p 7.80% p p $1,126 $187,538 $19,487 Westpc Bnk 7.86% p p 7.99% p $1,144 $193,154 $25,103 St St George Bnk 7.80% p p 7.96% p $1,138 $191,377 $23,326 Disclimer: Compris hs hs been been permed bsed $150,000 l with yer repyment term does not not fcr in in in ny ny mthly l fees fees chrged if if pplicble. Strd vrible rtes rtes hve hve been been sced from from Cnnex Website s s s t t 17th November Compris rtes hve been sced by by individul websites CBA CBA ( ANZ ANZ ( NAB NAB ( Westpc ( St St George ( s s t t 17th November *The compris rte rte is is true true ly ly exmple given my my not not include ll ll fees fees chrges. Different terms, fees or or or l mounts might result in in different compris rte. COMMUNITY SUPPORT PROGRAM 2011 Fmily First Credit Uni will gin lunch Fmily First Credit Uni Community Support Progrm in Februry This is wy supporting those community orgnistis who support community by llowing Fmily First Credit Uni ctribute community, with grnts vilble community bsed orgnistis. Annul grnts tlling $10,000 with mximum $2,000 per recipient re vilble with ll n-prit community bsed orgnistis invited pply. Plese note tht individul sporting bodies will not be be csidered under progrm. The Community Support Progrm will be lunched 1st Februry 2011, pplictis will close t t 3.00PM Tuesdy 15th Mrch Applictis Submissi Forms will be vilble pge in in brnches from 1st Februry 2011 or you cn cll us FAMILY FIRST CREDIT UNION LIMITED BSB PO PO BOX 386, 386, LITHGOW NSW NSW PHONE ACCESS: ABN AFSL NO. NO wwww.fmilyfirst.com.u BRANCHES AT AT BATHURST ** BLACKHEATH ** LITHGOW ** MUDGEE

4 MEET MEET YOUR YOUR NEW NEW DIRECTOR DIRECTOR At At 2010 Annul Generl Meeting held 16th November, Kthy Dicks ws elected s s Direcr Bord Fmily First Credit Uni. Kthy hs hs held positi Associte Direcr over yer. Welcome Kthy! Fmily First Credit Fmily First First Credit Credit Uni Fmily First Credit Inter- Uni Uni celebrted celebrted Interntintintil Credit Credit Inter- Inter- Credit Uni Uni Uni Uni Dy Dy Dy Dy 21st 21st 21st 21st Ocber Ocber Ocber 2010, 2010, 2010, with with with with Blckheth Blckheth brnch brnch brnch stff stff stff stff Sheryl Sheryl Sheryl Louise Louise Louise hing out hing hing out out out ornge ornge ornge blue blue blue blue cupckes cupckes cupckes ir ir ir members! (Stff (Stff (Stff members members Drryl, Drryl, Drryl, Louise, Louise, Jnelle Jnelle Sheryl Sheryl pictured) pictured) Our Our Our Mudgee Mudgee stff stff held held susge susge sizzle sizzle Interntil Credit Credit Uni Uni Dy, Dy, rised rised $ $ Credit Credit Uni Uni Foundti Austrli. Austrli. Well Well Well de de Lynne Lynne Luren Luren Debbie, (pictured), Mry Debbie, Mry Re Re Re Sending Mey Overses? We Cn Help! Did Did Did you you you know know know tht tht tht Fmily Fmily Fmily First, First, First, in in in ssociti ssociti with with with Trvelex, Trvelex, cn cn cn tke tke tke cre cre ll ll ll y ll y mey y mey mey trnsfer trnsfer trnsfer needs? needs? needs? Drfts Drfts A A drft drft drft is is is is chep, chep, chep, simple simple simple opti opti opti sending sending sending mey mey mey brod. brod. brod. Similr Similr Similr cheque, cheque, just just let just let let us let us us know us know know who who who drft drft drft is is is is be be be mde mde mde pyble pyble pyble,,, mount mount mount mey mey mey you you you wnt wnt wnt send send send currency currency you you you wnt wnt wnt drft drft drft in.(a in.(a in.(a choice choice choice over over over currencies currencies is is is is fered.) fered.) Y Y Y drft drft will drft will will normlly normlly be be be vilble vilble next next next working working working dy. dy. dy. You You You cn cn cn n n n post post post it it it it recipient recipient overses, overses, y y y deposit deposit deposit it it it it in in in ir ir ir bnk bnk bnk ccount. ccount. If If If drft drft drft goes goes goes missing, missing, Trvelex Trvelex will will put will put put sp sp sp it it it it re-issue. re-issue. If If If If funds funds re funds re not re not needed not needed needed urgently, urgently, drft drft drft is is is normlly y normlly y best y best mey best mey mey trnsfer trnsfer trnsfer opti. opti. opti. Telegrphic Telegrphic Trnsfers Trnsfers A A telegrphic trnsfer trnsfer is is is n electric credit credit funds funds in in n n overses bnk bnk ccount. As As subscriber worldwide SWIFT A telegrphic trnsfer is n electric credit funds in n overses bnk ccount. As subscriber worldwide SWIFT network, Trvelex is is is ble ble send send funds funds quickly quickly efficiently, trnsfers re re vilble in in wide wide rnge rnge curren- currencies. SWIFT network, Trvelex is ble send funds quickly efficiently, trnsfers re vilble in wide rnge currenciescies. When When trnsfer trnsfer is is is sent, sent, network network bnks bnks re re used used process process trnscti. Funds Funds re re normlly credited within within hs When trnsfer is sent, network bnks re used process trnscti. Funds re normlly credited within hs (though (though this this cn cn never never be be gurnteed), plese plese note note tht tht intermediry bnks bnks sometimes levy levy hling fee. fee. hs (though this cn never be gurnteed), plese note tht intermediry bnks sometimes levy hling fee. Fmily Fmily First First Trvelex tke tke ir ir Anti Anti Mey Mey Lundering respsibilities very very seriously, s s result, result, you you must must provide provide us Fmily First Trvelex tke ir Anti Mey Lundering respsibilities very seriously, s result, you must provide us with with street street ddress sender sender receiver y y trnsfer, s s well well s s ll ll ccount ccount detils detils you you wnt wnt send send funds us with street ddress sender receiver y trnsfer, s well s ll ccount detils you wnt send funds... A A new new requirement is is is tht, tht, ll ll trnsfers Europen countries, you you must must tell tell us us IBAN IBAN (Interntil Bnk Bnk funds. A new requirement is tht, ll trnsfers Europen countries, you must tell us IBAN (Interntil Bnk Account Number) receiver. If If If funds funds re re needed needed urgently, telegrphic trnsfer trnsfer is is normlly y y best best mey mey trnsfer Account Number) receiver. If funds re needed urgently, telegrphic trnsfer is normlly y best mey trnsfer opti. opti. trnsfer opti. Foreign Foreign Mey Mey Cversi Subject Cversi Subject cceptbility, Fmily Fmily First First cn cn ccept ccept persl cheques in in eign eign currency, eign eign bnknotes, cver- cversi Subject cceptbility, Fmily First cn ccept persl cheques in eign currency, eign bnknotes, cversi Austrlin Dollrs. Dollrs. Fees, Fees, chrges cditis pply pply plese plese sk sk us us detils. detils. si Austrlin Dollrs. Fees, chrges cditis pply plese sk us detils. Trvelex Trvelex Limited Limited (ABN (ABN (ABN , 953, 953, AFSL AFSL ) ) is is is is issuer issuer,,,, or or or or my my rrnge rrnge,, issue issue se se products products you. you. For For furr furr detils, detils, Product Product Trvelex Disclosure Limited (ABN , AFSL ) is issuer, or my rrnge, issue se products you. For furr detils, Disclosure Sttements Sttements (PDS) (PDS) re re re vilble vilble certin certin products, products, cn cn be be be obtined obtined from from y y nerest nerest Fmily Fmily First First Credit Credit Uni Uni brnch brnch or or up up request request Product Disclosure Sttements (PDS) re vilble certin products, cn be obtined from y nerest Fmily First You You You should should review review relevnt relevnt PDS PDS bee bee deciding deciding cquire cquire product. product. Credit Uni brnch or up request You should review relevnt PDS bee deciding cquire product. FAMILY FAMILY FIRST FIRST CREDIT CREDIT UNION UNION LIMITED LIMITED BSB BSB PO BOX PO 386, BOX 386, NSW LITHGOW NSW FAMILY PHONE FIRST CREDIT 1300 UNION 369 LIMITED 900 ABN BSB AFSL NO PO BOX 386, LITHGOW NSW PHONE ACCESS: ABN AFSL NO wwww.fmilyfirst.com.u PHONE ACCESS: 1300 BRANCHES AT BATHURST ABN ** BLACKHEATH AFSL * LITHGOW NO * MUDGEE wwww.fmilyfirst.com.u BRANCHES AT AT BATHURST ** BLACKHEATH * LITHGOW * MUDGEE BRANCHES AT BATHURST BLACKHEATH * LITHGOW * MUDGEE

5 Wnt lose Weight f y Home L? Tke FREE Mortgge Helth Check dy see how we cn tke weight f y shoulders! Simply complete Mortgge Helth Check m right drop in y nerest Fmily First Credit Uni brnch, or phe y respses through friendly ls csultnt (02) Member No Phe No. Who do you hve y mortgge with? Originl L Amount Term Current L Blnce Mortgge Helth Check Remining Term Interest Rte Mthly L Fees Y L Repyment Frequency y Repyments Is y interest rte fixed?

6 Super Sver 0-11 yer Super Sver 0-11 yer Super Sver 0-11 yer Super Sver 0-11 yer Super Sver 0-11 yer st Credit Uni Generl Mnger, John Pine, with Ken Mutn, l Mnger Swn Hill Credit Uni, Vicri, in Timor Leste n sw tht membership cpitl ws growing fst, he lg with nor Credit Uni Mnger from Swn Hill fer some encgement help Credit Uni rech its next trget 300 members n dditil cpitl. They promised help Lnm Credit Uni purchse mor bike when y reched se try did in record time. The mor bike will be used collecti distributi funds between centrl lin outlying villges. ntti mor bike Lnm Credit Uni ws n emotil rewrding ceremy ll cd s furr link with this prticulr Credit Uni, severl Fmily First Credit Uni s stff in Lithgow re sember Lnm Credit Uni with her smll rod side business which sells dily household necessities ring her through CUFA s Villge Entrepreneur Inititive. This inititive is operting in Cmbodi s well s Timor is helping locl entrepreneurs estblish ir own businesses with im helping llevite poverty. If you know more bout CUFA plese visit, Super Sver 0-11 yer ly give us cll or emil us enquiries@fmilyfirst.com.u more inmti Accounts & Avilbility Access Fcilities Finncil Services Guide (FSG) which re vilble website or from ny brnches. t Credit Uni Generl Mnger, John Pine, with Ken Mutn, Mnger Swn Hill Credit Uni, Vicri, in Timor Leste sw tht membership cpitl ws growing fst, he lg with nor Credit Uni Mnger from Swn Hill fer some encgement help Credit Uni rech its next trget 300 members n dditil pitl. They promised help Lnm Credit Uni purchse mor bike when y reched se try did in record time. The mor bike will be used collecti distributi funds between centrl lin outlying villges. tti mor bike Lnm Credit Uni ws n emotil rewrding ceremy ll cs furr link with this prticulr Credit Uni, severl Fmily First Credit Uni s stff in Lithgow re sember Lnm Credit Uni with her smll rod side business which sells dily household necessities ing her through CUFA s Villge Entrepreneur Inititive. This inititive is operting in Cmbodi s well s Timor s helping locl entrepreneurs estblish ir own businesses with im helping llevite poverty. If you o know more bout CUFA plese visit, Super Sver 0-11 yer ly give us cll or emil us enquiries@fmilyfirst.com.u more inmti ccounts & Avilbility Access Fcilities Finncil Services Guide (FSG) which re vilble website or from ny brnches. t Credit Uni Generl Mnger, John Pine, with Ken Mutn, Mnger Swn Hill Credit Uni, Vicri, in Timor Leste sw tht membership cpitl ws growing fst, he lg with nor Credit Uni Mnger from Swn Hill fer some encgement help Credit Uni rech its next trget 300 members n dditil pitl. They promised help Lnm Credit Uni purchse mor bike when y reched se try did in record time. The mor bike will be used collecti distributi funds between centrl lin outlying villges. tti mor bike Lnm Credit Uni ws n emotil rewrding ceremy ll cs furr link with this prticulr Credit Uni, severl Fmily First Credit Uni s stff in Lithgow re smber Lnm Credit Uni with her smll rod side business which sells dily household necessities ing her through CUFA s Villge Entrepreneur Inititive. This inititive is operting in Cmbodi s well s Timor s helping locl entrepreneurs estblish ir own businesses with im helping llevite poverty. If you o know more bout CUFA plese visit, Super Sver 0-11 yer y give us cll or emil us enquiries@fmilyfirst.com.u more inmti counts & Avilbility Access Fcilities Finncil Services Guide (FSG) which re vilble website or from ny brnches. t Credit Uni Generl Mnger, John Pine, with Ken Mutn, l Mnger Swn Hill Credit Uni, Vicri, in Timor Leste n sw tht membership cpitl ws growing fst, he lg with nor Credit Uni Mnger from Swn Hill fer some encgement help Credit Uni rech its next trget 300 members n dditil pitl. They promised help Lnm Credit Uni purchse mor bike when y reched se try did in record time. The mor bike will be used collecti distributi funds between centrl lin outlying villges. ntti mor bike Lnm Credit Uni ws n emotil rewrding ceremy ll cs furr link with this prticulr Credit Uni, severl Fmily First Credit Uni s stff in Lithgow re sember Lnm Credit Uni with her smll rod side business which sells dily household necessities ring her through CUFA s Villge Entrepreneur Inititive. This inititive is operting in Cmbodi s well s Timor is helping locl entrepreneurs estblish ir own businesses with im helping llevite poverty. If you know more bout CUFA plese visit, Super Sver 0-11 yer ly give us cll or emil us enquiries@fmilyfirst.com.u more inmti ccounts & Avilbility Access Fcilities Finncil Services Guide (FSG) which re vilble website or from ny brnches. t Credit Uni Generl Mnger, John Pine, with Ken Mutn, l Mnger Swn Hill Credit Uni, Vicri, in Timor Leste sw tht membership cpitl ws growing fst, he lg with nor Credit Uni Mnger from Swn Hill fer some encgement help Credit Uni rech its next trget 300 members n dditil pitl. They promised help Lnm Credit Uni purchse mor bike when y reched se try did in record time. The mor bike will be used collecti distributi funds between centrl lin outlying villges. tti mor bike Lnm Credit Uni ws n emotil rewrding ceremy ll cs furr link with this prticulr Credit Uni, severl Fmily First Credit Uni s stff in Lithgow re sember Lnm Credit Uni with her smll rod side business which sells dily household necessities ing her through CUFA s Villge Entrepreneur Inititive. This inititive is operting in Cmbodi s well s Timor is helping locl entrepreneurs estblish ir own businesses with im helping llevite poverty. If you know more bout CUFA plese visit, Super Sver 0-11 yer ly give us cll or emil us enquiries@fmilyfirst.com.u more inmti ccounts & Avilbility Access Fcilities Finncil Services Guide (FSG) which re vilble website or from ny brnches. Super Sver 0-11 yer Super Sver 0-11 yer Super Sver 0-11 yer Super Sver 0-11 yer Super Sver 0-11 yer