We Have The Deals For Your Wheels!

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1 Big City fficiency...small Town Friendliness We Have The Deals For Your Wheels! Spring 2009 Free Online Banking Free Online Bill ayer $50.00 RIMRY SHR CCOUNT IS RQUIRD FOR MMBRSHI T LL TIMS TO B BL TO TK DVNT OF TH RODUCTS ND SRVICS TH CRDIT UNION OFFRS. BCO FDRL CRDIT UNION S ROUTIN ND TRNSIT NUMBR BCO FCU is not responsible for typographical errors, omissions or misprints in this publication. Bring Us Your Current uto Loan From Somewhere lse You Could Save Up To 3%R below your current loan rate Sorry, no rates lower than 5%R* Offer has been extended to help our members save money in these economic times. But all things come to an end. RFINNCIN OFFR NDS MY 15, 2009 How much can 3% below your rate mean in dollars and cents? Here an example of how the savings can add up! If your current loan balance is $15,000 with a loan rate of 9%R, your current monthly payment is $ Refinance the $15,000 with BCO for the same term at a rate of 6%R...your new monthly payment is $ Monthly Savings is $ ssuming the same term of 48 months, the true savings is: 48 months x $21.03 savings each month = $1, The above example is based on a loan term of 48 months. sk us how much you can save if you refinance. Contact your Branch Office, the Lending Dept. or return the Request For Information in the newsletter. BCO Loves To Save You Money! *Loan is subject to credit approval and must be for the same term as the original loan. Contact us for complete details. We Have The Deals To Insure Your Wheels T QUICK INSURNC QUOT FROM We check over 10 companies to get you a good deal to save you money on your premiums. S BCK. We Have The Deals To rotect Your Wheels Insurance - for loan value protection xtended Warranty for vehicle protection Inside For Details 2 Branch Locations Holiday Closings Bernard Colgan Jr. Quick uide For Our New hone System Scams Mimic overnment Stimulus ackage 3 Bank Credit Card Holders Welcome Home Refinance Now nd Save llpoint TMs Score oal tlantic City Opening 4 Request For information Mechanical Breakdown rotection (MB) dvantage (uto Loan rotection) 5 Contact Us Information Service Offers nterprise Car Sale 6 BCO uto & Home Insurance rograms

2 BRNCH LOCTIONS HON WILLINBORO R FULL SRVIC FINNCIL CNTR 690 Beverly-Rancocas Road Fax (609) LNDIN DRTMNT ast Ridge Shopping Center 621 Beverly-Rancocas Rd. Fax (609) RNCOCS VILL 215 Main St. Rancocas, NJ Fax (609) OTHR LOCTIONS TLNTIC CITY 2652 tlantic ve. tlantic City, NJ Fax (609) BROWNS MILLS 81 emberton Browns Mills Road.O. Box 698 Browns Mills, NJ Fax (609) COOR HOSITL (Hospital mployees Only) 1 Cooper laza Camden, NJ Fax (856) HRBOR TW Black Horse ike gg Harbor Twp., NJ Fax (609) LSSBORO Doubletree Center 870 Delsea Drive lassboro, NJ Fax (856) RIDR UNIVRSITY Student Center/Rider University 2083 Lawrence Road Lawrenceville, NJ Fax (609) For Hours and Directions o BRNRD COLN JR Bernard Colgan, Jr., Bernie as he was affectionally known by his many BCO friends, shocked us by his sudden death on the morning of residents Day, February 16th. Bernie spent many of his working years in the BCO mail room printing and mailing the members statements. His dedication and devotion to his job was above and beyond the call. s we can see, he was very much of a fisherman. His lovable personality was what we all loved. He was always Johnny on the spot at the right time. Bernie is survived by his long-time partner, Kim and her beautiful daughter, Holly, grandmother, abrielle, four sisters, mma, llen, Joan, Marie, and a brother, John. Bernie will always be remembered in our prayers for many years to come. ood bye old friend! Quick uide For Our NW HON SYSTM We have recently converted to a new phone system. ll credit union offices and services are now accessed through one toll-free 800 number. We appreciate your patience during this transition period. Below is a guide to our extension system and how to reach the most commonly requested areas. lease retain this for your reference. fter the Welcome reeting, you have these options. ress 1 if you know the extension number of the person you wish to reach. ress 2 to reach a Spanish representative ara representantes en español, oprima dos. ress 3 to dial by Last Name ress 4 to dial by DRTMNT ress 1 for Lending or Business Services fter pressing this option ress 1 for Lending ress 2 For Business Services ress 2 for Member Services To Reach LL Offices nd Departments. ress 3 for ayroll ress 4 for lastic Cards (Visa and TM/Check Cards) ress 5 for Collections ress 6 for ccounting ress 7 for the Computer Room ress 8 for Human Resources ress 5 to dial by BRNCHS ress 1 for the Willingboro Branch ress 2 for the lassboro Branch ress 3 for the gg Harbor Twp. Branch ress 4 for the Rider University Branch ress 5 for the Cooper Hospital Branch ress 6 for the Browns Mills Branch ress 7 for the tlantic City Branch ress 8 for the Rancocas Branch. ress 6 to reach our 24-hour Touch-Tone Teller ress 7 to report a lost or stolen VIS card ress 8 to report a lost/stolen TM/Check Card SCMS MIMIC OVRNMNT STIMULUS CK Identity thieves posing as representatives of the Internal Revenue Service are sending spam s promising government economic stimulus packages. The message tells the user to download an attachment that is masked as a form they must fill out and send to the IRS to receive their check. However, the document really is an identity theft tool that steals the personal information entered in the form. nother scam being used promises more information on how to get economic stimulus grants. They tempt users with fake testimonials. It leads to a marketing-type site in which you enter personal information such as salary range, address, mailing address, and date of birth purportedly to get a free CD that shows you how to claim one of these grants. To order the CD, you must enter credit card information for the postage and handling costs. You never get the CD only a stolen identity. Do not respond to any of these s. Delete immediately. Check our website for any additional information on new and existing phishing scams. CLOSD FOR TH HOLIDYS Memorial Day Mon. May 25th Independence Day Sat. July 4th Labor Day Mon. Sept 7th Columbus Day Mon. Oct. 12th Veteran s Day Wed. Nov.11th Thanksgiving Thurs. Nov. 26th Christmas ve thurs. Dec.24th (ll Offices Will Close t 1:00 pm) Christmas Day Fri. Dec. 25th New Year s Day Fri. Jan. 1st Martin Luther King, Jr. Birthday Mon. Jan.18th

3 TTNTION With n BCO Ing 403(b) Yes, I am interested in transferring my credit card balances. Name hone # ( ) Cell # ( ) Best time to call.s. No Fees For Balance Transfers. WLCOM HOM You might not know it from the news, but this is a good time to buy a home and apply for a loan. Loan rates are the lowest they have been in a long time and there is a great selection of homes on the market. nd, your credit union has money to lend. There are many options to finance your home. It s not just the rate that counts it s all the extra fees that other places may charge. These fees and charges can add up. Let an BCO loan officer explain your financing options and your anticipated monthly payments. That way you can shop for homes in the price range that is affordable for your budget. If you wish, you can also use this process to be pre-approved to increase your buying power by shopping with a confirmed loan deal in hand. There is no charge for our consultation it s a part of the service we provide to you, our members. If you ve been waiting for a time to buy, wait no longer the time is now. Contact us by phone or return the Request For Information in this newsletter. RFINNC NOW ND SV Loan rates are low. You can put more money each month into your pocket by doing one thing refinancing your mortgage with a trusted source your credit union. We are owned by you, our members, and have YOUR INTRST T HRT. nd, we make the process as easy as possible. Think refinancing doesn t really make a difference check out the example below. This is only an example. Find out how much you could save. Contact your Branch Office or the Lending Dept. Original Mortgage for $250,000 in pril 2002 for 30 years Rate of 6.875% R Current Monthly ayment $1, Current Mortgage Balance: $227,450 You could Refinance at BCO for 20 yrs at 5.00%R...New Monthly payment $1, Monthly Savings of $ Savings over 20 years - $1,704 per year x 20 years = $34,080 You have now both shortened the term of your loan (paid off your home earlier) and lowered your monthly payment. What a deal! Let BCO and IN help Your district kick home a great deal on your 403 (b) lan Contact Sunny Naumoski hone: Cell mail: [email protected] C rand Opening On pril 3, our new tlantic City Branch was officially opened. tlantic City is a full-service office and is open Mon.-Fri. 9 M to 5 M Sat. 9 M to 1 M Tell your family and friends. ictured are Luisa, Temple and Mary llen Office Staff. ictured are llen Kuiper (in background), Temple, Branch Manger, Milt Hershberger, Joan Connolly, and Roy Ruby. Roy represents Regan Young, ngland, Butera, rchitects roup. ictured are Joe Holden, Business Development Rep. and Sunny Naumoski, 403(b) lan Rep. Surcharge free TMs. One low monthly fee ($.50) gets you free access to over 37,000 TMs Nationwide with your BCO TM/Visa Check Card. Look for the llpoint Logo or o to our to find an llpoint Location. TMs at all BCO branches. TLNTICC COMM. COLL tlantic City, Cape May & Mays Landing BOB S CORNR DLI Roebling BURLINTON COUNTY COLL Mount Laurel & emberton CITY OF BURLINTON Municipal Building CVS WRHOUS Westampton COOR MDICL CNTR (mployees only) SKI S LC Browns Mills RIDR UNIVRSITY Library & Daly Cafeteria SURCHR-FR TMs

4 Request For Information, xt Need information about getting a loan, Mechanical Breakdown rotection, or uto Insurance. Call us or FX back the handy form below. We will contact you with all the information you need and answer your questions. That s ersonal Service the Credit Union Way. Complete the form below. Fax to our Member Care Center ( ) Yes, please contact me about (check all that apply) LS RINT. Loan for a New re-owned Vehicle Refinancing my current Vehicle Loan from somewhere else for up to 3%R below my rate. Sorry, no rates lower than 5%R. Loan re-pproval For The nterprise Car Sales Mechanical Breakdown rotection Insurance First Mortgage uto Insurance Refinance My Current Mortgage Homeowner s Insurance Other: Name hone - Home ( ) Cell ( ) mail address Contact me by home phone cell phone Best time to reach me is: morning afternoon evening Spring 2009 Mechanical Breakdown rotection (MB) What is MB? Mechanical Breakdown rotection (MB), also known as a Vehicle Service Contract or an xtended Warranty, is automobile protection that extends beyond the manufacturer s factory warranty and covers repairs of unexpected mechanical breakdowns. For the period of time the contract is in effect, you are assured that covered components of your vehicle will be repaired in the event of failure, including labor, subject to any applicable deductible. Your vehicle is a major investment. That is why purchasing Mechanical Breakdown rotection (MB) is a wise choice. MB can help ensure that the investment in your vehicle is protected, and reduces the possibility of out-of-pocket expenses when your vehicle suffers an unexpected mechanical failure. Most important of all, Mechanical Breakdown rotection provides eace of Mind so you can experience Worry-Free Driving! BCO offers MB. The coverage is affordable, and can be included in the financing of your vehicle loan. Compare the cost of MB to other mechanical breakdown warranties. We love to save you money! For Vehicle You Should Have dvantage uto Loan rotection ( Coverage) - Close the ap in rotecting Your Current and Future utomobile Investment. re you financing or leasing your car, light truck, or SUV? Did you know that if it s totaled or stolen, YOU COULD FC FINNCIL RISK that your auto insurance policy may not cover? uaranteed sset rotection () coverage protects you against this risk! In the event of theft or total loss of your vehicle, most insurance companies only pay the Cash Value of the vehicle at the time of the loss. Your remaining loan balance could be much greater than the Cash Value of your vehicle creating a DFICINCY OF SVRL THOUSND DOLLRS THT YOU R LIBL FOR! What is the on your vehicle? You may be surprised at the answer! The following is a typical example of how comes through for you: Original urchase rice: $18,000 Loan balance after one year: $16,000 Vehicle s current value as determined by your insurance company: $11,000 Net insurance settlement: $10,000 pays the difference between the loan balance and net insurance settlement. ays the Difference: $6,000 Reasonable one-time cost of $325. (Less than what you d pay elsewhere. Dealers usually charge $700.) Offered on both new and used vehicles. Up to 18 months sign-up period after you purchase the vehicle. nrolling is easy and coverage begins immediately! TO FIND OUR MOR BOUT MB ND ND T QUOT, CONTCT US BY HON OR ONLIN Here s how to find information online and get an Instant Online Quote. o to: and click on Loans at the top. When the loan area opens, click on Vehicle Loans. Scroll down on the right and click on MB and.

5 NTRRIS CR SL t BCO You Have CONTCT US MILIN DDRSS.O. Box 247 Rancocas, NJ TOLL-FR HON NUMBR WB SIT 24/7 TOUCH-TON TLLR BUSINSS SRVICS Brian Yannerella Fax: (609) mail: [email protected] OTHR SUORT NUMBRS Visa venings, Weekends & Holidays Visa Credit Card Visa TM/Check Card Online Banking & Bill ayer SRVIC OFFRS* BCO INSURNC NCY uto, Homeowners, Renters ll Other Insurances mail: [email protected] Medicare Supplemental atrick oehls mail: [email protected] BCO-IN 403(b) lan* Sandre Sunny Naumoski Office: (856) Cell: (856) Fax: (856) mail: [email protected] WLCOM MORT (Reverse Mortgages) Barbara allagher TX SRVICS & NJ SSN. UDITS Mazzucco & Co., Cs (856) mail: [email protected] *BCO Federal Credit Union provides the above benefits to our members without opinion to the service provided. Insurance roducts are offered through various insurance companies in association with CU Insurance Services roup ( CUSO ), an affiliate of BCO Federal Credit Union ( Credit Union ). The insurance products are not federally insured and are not obligations of or guaranteed by the Credit Union, CUSO or any other affiliated entity. Securities offered through SII Investments. registered broker/dealer. Member NSD & SIC. dvisory services offered through Haddon Financial roup, Inc., a Federally Registered Investment dvisor. ND XTNDD WRRNTY COVRS Contact your Branch or the Lending Dept. See age 3 or Call Us! FR QUOT ON YOUR UTO INSURNC See back page for details.

6 Spring Is Here! verything is CHNIN for the better. Now is the time to think about CHNIN to BCO Insurance For Your Home & uto Insurance. Let us LOOK for ways to save you money on the insurance your need to protect you and your family. CHN is the word of the day... Why not put a little CHN in your pocket!!! BCO Federal Credit Union has partnered with Insurance Companies to get group discounts for you, our members. BCO uto & Home Insurance rograms Offer: Discounts and Savings: xclusive to BCO Credit Union Members reat Insurance Companies: Will quote you with 10+ Companies. Don t waste your time making 10 calls when you just need to call us Making Change SY: ll we need to get started is: Name, ddress, hone, Date of Birth, ffective Date and Type of olicy Leave The Rest To Us! et your free quote today Call: o Online@ Insurance products are offered through various insurance companies in association with the BCO Federal Credit Union (BCO) affiliate CU Insurance Services roup (CUSO). These insurance products are not federally insured and are not obligations or guaranteed by BCO or the CUSO or any other affiliated entity. If you find a deal on wheels at the nterprise Car Sale or anywhere else, don t go to strangers. o BCO Insurance gency RSRT STD U.S. ostage ID Rancocas, NJ RMIT No. 36 Mailing ddress:.o. Box 247, Rancocas, NJ Big City fficiency...small Town Friendliness Money News Check inside for financial information and to find out what's new at your credit union.