Keynotes. Special Vehicle Loan Financing Rate Sale Extended By Popular Demand!

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1 Keynotes Third Quarter 2010 Special Vehicle Loan Financing Rate Sale Extended By Popular Demand! At APCU, our goal is to help you save money. That is why we have extended our vehicle loan rate sale until December 31, 2010! Finance your new or pre-owned vehicle purchase through December 31, 2010 and enjoy an excellent financing rate from Atlanta Postal Credit Union that is 1% APR* less than our regular posted vehicle loan rates. This means that from now until December 31, 2010, you can finance a vehicle loan with us at a rate as low as 2.99% APR**! Shop with the confidence you deserve by pre-qualifying for your new or pre-owned vehicle loan with APCU. We can help you figure out how much money you can reasonably afford to spend and how much your payments will be. at (800) , or stop by and visit us at any one of our branch locations and get your application started today. Applications are also available online at by clicking the Minute Money Loan icon. If you are unable to visit us during our normal business hours, and do not have access to a computer, feel free to contact our 24-hour Lending Center at (800) to submit an application over the phone. We invite you to take advantage of our great vehicle loan rates at anytime; however, this special discounted rate offer ends December 31, So don t delay. If you haven t taken advantage of this great offer, now is the time! Have you already purchased a new-to-you vehicle and financed with another financial institution? No problem! You can refinance that vehicle loan with APCU and receive our special, discounted vehicle loan rate, too! Applying is easy! Just call one of our friendly and knowledgeable Loan Service Representatives Toll-free * APR Annual Percentage Rate. ** Loan rate is quoted as an Annual Percentage Rate and is subject to change without notice. Rate example quoted is for a 2006 and newer model year vehicle with a 36-month repayment period. Additional rates and terms are available. Ask for details. Rates shown are the lowest available for the listed term as of August 31, All loans are subject to approval of credit. Your actual rate is based upon your credit history. APCU is an Equal Opportunity Lender. Vehicle loan rate reduction offer may not be combined with any other offers made by APCU. Delivering exceptional service to U.S. Postal Service employees and their families since 1925.

2 Make an APCU VISA Your Holiday Companion and Earn Double VISA Rewards Bonus Points When you re out shopping for family and friends this holiday season, take along your VISA Credit Card from Atlanta Postal Credit Union. You ll enjoy convenience and security and you ll earn double VISA ScoreCard Rewards Bonus Points every time you use your APCU VISA for your holiday purchases. Your APCU VISA Credit Card is accepted worldwide. No matter where you shop, dine, or travel, your credit union VISA is the safest, fastest way to make all of your holiday purchases. And when you use your VISA card, we ll award you two points for every dollar you spend during the holiday season*, October 15, 2010 through December 31, Our VISA Credit Card is easy to use, easy to carry, and easy to replace should it become lost or stolen. You can get cash quickly from ATM machines and financial institutions displaying the VISA logo*. With APCU s low, low VISA Credit Card rates, you can pay for your holiday spending over time, saving your budget. You can redeem your VISA ScoreCard Rewards Bonus Points for valuable gifts, adventures, and travel. So, before you head off to the mall or your favorite specialty shop, or start making your holiday travel plans, be sure you have your VISA Credit Card from Atlanta Postal Credit Union handy. * Signature based transactions only. Cash advances, balance transfers, and ATM withdrawals are not eligible for ScoreCard Reward Bonus Points. The double Bonus Points promotion period runs from October 15, 2010 through December 31, Attention Visa Credit and Debit Card Holders! Are you letting valuable ScoreCard Reward Bonus Points expire? We want to remind you that Score- Card Rewards Bonus Points earned prior to December 31, 2006 and not yet redeemed will expire on December 31, Once expired, these Bonus Points will no longer be available for redemption. If you have Bonus Points scheduled to expire, the number of expiring points is printed on your monthly Visa Credit Card statement and/or quarterly Visa Debit Card ScoreCard statement. With the holiday season just around the corner why not use your expiring and current Bonus Points to get great gifts for everyone on your list? Visit the ScoreCard Rewards Web site, for a complete list of the name-brand merchandise, travel adventures, and airfare available. Don t delay! December 31, 2010 will be here before you know it. Effective with the November 2010 mailing of our 2011 hanging wall calendar, every household, regardless of the number of members or accounts in the household, will be mailed one hanging wall calendar. Requests for additional calendars may be made after January 1, 2011 by calling our Member Service Department at (404) , or Toll-free at (800) Additional calendars will be available while supplies last.

3 Give The Gift of Membership This Holiday Season How many stores and Web sites have you searched looking for the perfect holiday gift to give your family? Well, look no further Atlanta Postal Credit Union is here to help make choosing that special holiday gift the easiest thing you ve done all year. Here s how. Give the gift that keeps on giving year after year to everyone on your list membership in Atlanta Postal Credit Union! When you give the gift of credit union membership, you are giving your family members the opportunity to share in the same great money-saving financial services we offer you, such as loans at low, affordable rates and savings and checking accounts that earn higher than average interest rates. And, your family members will welcome the safety and security of having their money in one of the nation s oldest, largest, and strongest federally insured credit unions. As a current member of Atlanta Postal Credit Union, all of your family members are eligible to join APCU, too. This includes your parents, sisters and brothers, grandparents, aunts, uncles, cousins, children, grandchildren, nieces and nephews, and in-laws. APCU offers a great Youth Program that is perfect for the tiny new additions to young adults (up to 24 years of age) in your family. Membership is also open to people who are not related to you but live in your household. So don t delay, get your holiday shopping done early this year. Just call our Member Services Department at (404) or Toll-free at (800) and request a new member packet for those special people in your family. We ll make sure that you have enough applications for all of your holiday gift-giving. Your Auto Insurance Does Not Cover All No one likes to think that it could happen to them, but accidents happen all of the time. Whether your car is stolen or totaled, the aftermath can be just as traumatic as the event itself. Help avoid the unnecessary stress of outstanding vehicle loan balances that your auto insurance may not cover with Guaranteed Auto Protection (GAP) from Atlanta Postal Credit Union. GAP will pay the deficiency between the proceeds from your insurance settlement and the loan balance should there be a total loss as a result of an accident or theft of a covered vehicle. In today s vehicle market, during the first few years that you own your vehicle, your loan/lease balance can be higher than the actual value of your car, as a result of depreciation. As your car s value declines, your loan/lease balance can be significantly higher. If your car were stolen, or totaled in an accident, you would be liable to pay off your loan, even though you no longer drive the vehicle. Don t wait and see if your auto insurance will pay off your loan if your vehicle is deemed to be a total loss. Protect yourself by purchasing GAP coverage from Atlanta Postal Credit Union today. You can buy Guaranteed Auto Protection from Atlanta Postal Credit Union for as little as $199*. For more information, contact a Member Service Representative at (404) or Toll-free at (800) * Price quoted is the lowest available price as of August 31, Call for more information.

4 At Atlanta Postal Credit Union, we take pride in our heritage as a cooperative financial services provider and our connection to credit unions worldwide. On October 21, 2010, we will celebrate International Credit Union Day along with credit unions and their members across the globe. Credit unions provide a viable alternative to for-profit financial institutions for more than 186 million members in 97 countries. This year s theme is Local. Trusted. Serving You. When you join a credit union, you are a member/owner of that credit union, not a customer. Credit unions are not-for-profit, so any earnings are returned to you, the member, in the form of better rates on loans and savings, and lower or non-existent fees. While banks are driven by profits and their decisions are made by shareholders, credit unions exist solely for their members. Credit unions offer their members much more than financial services they provide opportunities to create better lives for members and their families. Why not help us celebrate International Credit Union Day by inviting your family members to join APCU and become part of the credit union movement? Contact our Member Service Department for more information at (404) or Toll-free at (800) It s time to Order Check Images on CD ROM APCU is once again offering its checking account holders the opportunity to purchase a CD ROM containing the images of all the checks that have cleared the member s account during Check Images on CD ROM is convenient, secure, and provides a terrific space-saving way to keep track of your cancelled checks. The CD with this valuable information will be created and delivered at the end of January The cost to purchase Check Images on CD ROM remains just $ Please don t send any money now. Your checking account will be debited once your CD ROM is mailed to you in January. To order your CD ROM, visit our Web site at Click on the Check Images on CD ROM icon. Complete the information requested and then click on the Submit button. Your CD ROM will be delivered to you by mail. This offer is for a limited time only and ends November 15, 2010, so don t delay. Order your Check Images on CD ROM today. Don DeCinque President/CEO s Message Why are deposit rates so low right now? A study published in August 2010 by Market Rates Insight, based in San Anselmo, CA, revealed the national average rate on checking, savings and other deposit accounts had dipped below the one percent mark for the first time in at least ten years. The study declared the floundering state of the economy as one culprit. Historically, when the unemployment rate goes up, deposit interest rates go down. Further, the study stated that it doesn t appear rates are headed higher anytime soon. Another major influence in the decline of interest rates is the Federal Open Market Committee (FOMC). The FOMC is the monetary policy-making body of the Federal Reserve System. One of the FOMC s important duties is to set certain key interest rates. Rates paid by financial institutions, like APCU, increase or decrease based on these FOMC rates because the return we receive on our investments are also based on this rate. The FOMC has kept its rates at historic lows near zero percent since December 2008 so financial institutions have no choice but to follow suit. APCU members enjoy the best deposit rates every day in good times and in bad times. Even during this time of economic turmoil, Atlanta Postal Credit Union consistently pays its members higher rates on savings, checking and certificate accounts. In most cases, APCU s rates were and continue to be significantly higher than those you will find available elsewhere. And, equally important, deposits at APCU are safe and sound because the National Credit Union Administration (NCUA), an agency of the United States Government, insures each member s funds up to $250,000. Individual Retirement Accounts at APCU are provided extra coverage and are insured up to $500,000 with the combined insurance protection of the NCUA and that of the Excess Share Insurance Corporation. As your credit union, we understand the importance of maximizing our members return on deposits. We encourage you to shop and compare APCU s deposit rates with those at other financial institutions. We think you will agree there simply isn t any reason to deposit your money anywhere else.

5 Loan Application Please Print Name: Member #: D.O.B. S.S. # Address: City: County: State: Zip: Home Phone: ( ) Work Phone: ( ) Purpose of Loan: Approx. Term: Amount Requested: Security Offered: You elect the following single credit disability Yes No insurance coverage(s): single credit life Yes No joint credit life Yes No Employer: Address: City: State: Zip: Position: Length of Employment: Income (current): Additional Income: Source: Total Current Annual Income: Debts Lender Balance Payment Mortgage/Rent 2nd Mortgage Auto Branch Listing MAIN OFFICE 3900 Crown Road Atlanta, GA (404) FAX DECATUR BRANCH 520 W. Ponce DeLeon Avenue PO Box 803 Decatur, GA (404) FAX NORTH METRO BRANCH Real Estate Department Business Lending Department 1605 Boggs Road (Duluth) PO Box North Metro, GA (770) FAX NETWORK DISTRIBUTION CENTER BRANCH (formerly Bulk Mail Center Branch) 1800 James Jackson Pkwy, NW Atlanta, GA (404) FAX IBEW BRANCH 501 Pulliam Street, Suite 350 Atlanta, GA (404) FAX MACON BRANCH VISA Department 515 Mulberry Street, Suite 100 Macon, GA (478) FAX Drive-Up Window Service (this location only) Monday-Friday 9:00 AM - 4:30 PM SOUTH DEKALB MALL BRANCH 2801 Candler Road, Suite 81 Decatur, GA Hours of Lobby Operation (this location only) Monday-Friday 9:00 AM - 7:00 PM Auto Total Payment Options (check one): Deduct monthly from Savings Checking CONTACT US (404) (800) Hours of Lobby Operation - Monday-Friday 9:00 AM - 4:30 PM Telephone Service - Monday-Friday 8:30 AM - 5:00 PM 24-HOUR LENDING CENTER (800) Payment date requested: Deduct biweekly from Savings Pay direct by mail or in person Checking I understand that the credit union will retain this application whether or not it is approved. The credit union is authorized to check my employment history and credit report. VISA CARD SERVICES (800) Member Services (800) Lost or stolen card assistance only Web Site: General [email protected] Signature: For a mortgage application, call (770) or Toll-free (800)

6 Dividend News APCU paid a quarterly share dividend of 1.245% with an Annual Percentage Yield of 1.25% for the third quarter. Dividends are compounded and credited to your account quarterly. Dividends will be computed by applying a periodic rate to the balance in the account for each day of the dividend period. Deposits begin earning dividends on the day of deposit. If you close your share account before dividends are paid, you will not receive the accrued dividends. No dividends are paid on balances below $50.00 except on youth accounts. Board of Directors Moses M. Spence, Chairman Royce L. Jackson, Secretary Katherine S. Brown Donald A. DeCinque David Disharoon Roy L. Matthews J.T. Middlebrooks H. Preston Mulkey Bud Wilkinson Sam B. Dowdy - Director Emeritus Supervisory Committee H. Preston Mulkey, Chairman Robert L. Harris, CPA Herbert W. MacNabb Roy L. Matthews Jabo Patterson Credit Committee Katherine S. Brown, Chairman George Lamar Pat Little J.T. Middlebrooks Roy G. Rainwater Holiday Closing Dates Columbus Day Monday, October 11, 2010 Veterans Day Thursday, November 11, 2010 Thanksgiving Day Thursday, November 25, 2010 APCU Statistics (as of August 31, 2010) Assets: $1,941,961,217 Members: 99,654 APCU Loan Rates This information is accurate as of the effective date listed below. The terms may change after that date. Please call us at (800) or (404) for additional information. New and Used Auto Loans 2006 and newer $25,000 and over 2005 and older Other Collateral Loans* $35,000 and over Personal Loans Share or Certificate Secured** 100% of balance on deposit Partially Share Secured*** 75% of balance on deposit 50% of balance on deposit 25% of balance on deposit 75% of balance on deposit 50% of balance on deposit 25% of balance on deposit Rates are current as of October 1, 2010 % Above Term Discount Index 36 mos. 60 mos. 72 mos. 60 mos. 60 mos. 120 mos. 36 mos. 36 mos. 2.00% 36 mos. 1.50% 36 mos. 1.00% 2.00% 1.50% 1.00% * Other Collateral: Motorcycles, Personal Watercraft, Recreational V icles, Campers, Boats, Motor-homes, Travel Trailers, and Farm Equipment. ** Share Secured: The APR will be the dividend rate paid on regular shares the previous quarter (Index) plus the percentage shown in the % Above Index column above. If there is an existing balance on the date of the new advance, the existing balance will be added to the new advance and the entire amount will be at the new APR. The rates are subject to change quarterly on the 1st day of January, April, July, and October to refl ect any change in the Index. Any increase in the APR will result in more payments of the same amount until what you owe is repaid. ** Certificate Secured: The APR will be the dividend rate being paid on the Certificate offered as security (Index) plus the percentage shown 2.00% Annual Percentage Rate (APR) 3.99%-11.25% 4.50%-11.50% 4.75%-11.75% 5.50%-12.50% 6.50%-13.50% 7.00%-14.00% 6.50%-13.50% 7.00%-14.00% 7.75%-14.75% 8.40%-15.40% 8.90%-16.90% in the % Above Index column above. The Certificate must either be renewed until the advance is completely paid or be rolled over into a share account, at which point the advance will become a Share Secured advance and be subject to those terms. Failure to renew the Certificate or roll it over to a share account will result in default under the Plan. When the Certificate is renewed, the APR will change to reflect the new dividend rate. Any increase in the APR will result in more payments of the same amount until what you owe is repaid. The present APR and daily periodic rate for certificate secured advances will be disclosed on the voucher at the time of the advance. *** Partially Share Secured: The Annual Percentage Rate will be the Personal Loan rate for which the applicant qualifi es minus the discount percentage shown under the Discount above. Payment example: Estimated monthly payment on a 36-month loan at 3.99%=$30.00 per $1, borrowed