Home Quity Loans - How to Get the Best Deal

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1 Big City fficiency...small Town Friendliness HOM QUITY LON SCIL BCO has money to lend for Home quity Loans and we have some special offers to help you save more now and in years to come. Winter 2010 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. Fixed Rate Special NO Fees Transfer your Fixed Rate Home quity Loan from somewhere else, your rate will be 1% R below your current rate.** *Sorry no rates lower than 5.89% R Think 1% does not make a difference. Check out these figures for a loan based on a 10 year term. This is just an example - your savings could be greater or less depending on the loan amount, amount you pay each month, and the term of the loan! $50, Loan 7%R - Monthly payment $ = Interest over 10 years $19, %R - Monthly payment $ = Interest over 10 years $16, Savings over term of loan $3, $75, Loan 7%R - Monthly payment $ = Interest over 10 years $29, %R - Monthly payment $ = Interest over 10 years $24, Savings over term of loan $4, $100, Loan 7%R - Monthly payment $1, = Interest over 10 years $39, %R - Monthly payment $1, = Interest over 10 years $33, Savings over term of loan $6, Line-of-Credit Special NO Fees Variable rate based on the rime Rate. s of January 1st rate as low as: rime % R = 4.50% R** Rollover Option fter 5 years, you may have the option of rolling over to a Fixed Rate Home quity Loan. (ll payments must be made on time, of course, and credit worthiness at the time of rollover will be evaluated. sk us for details.) ift Card RIZ DRWIN ll members who close on a new Home quity Loan January 15th through March 31st will be entered into a drawing for a $250 ift Card from either Home Depot or Lowes. **rime rate quoted as of 1/04/10. Loans are based on credit worthiness. Not all loans can be transferred. Some restrictions apply. Contact the Lending Department for complete details. 2 Branch Locations Holiday Closings Transfer your Current uto Loan to BCO BCO uto & Home Insurance rograms 3 Mazzucco & Company, Cs CU Financial Insurance roup TM Locations Bonus Dividend 2010 The Dawn of a New Year New Hours - Lending Dept. Sprint head ttention Members 4 Reverse Mortgage o -Statement Winners 2010 nnual Meeting COSTCO Invitation 5 Contact us 2010 Scholarship pplications Need a Car for a Student 6 Sometimes it s ood to Say No!

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 Transfer Your Current uto Loan From Somewhere lse YOU COULD SV U TO 3%R below your current loan rate* No rates lower than 5.00% R* Offer xcludes The Following: Loans For Boats, RVs, Travel Trailers, Campers, and xisting BCO Loans. Contact the Lending Department or your Branch Office for complete details. Start utting More Money in Your ocket Now. RFINNCIN OFFR NDS MRCH 31, 2010 Sorry How much can 3 percentage points 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 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. * rate a member pays is based on credit worthiness. Not a guarantee of refinancing. ll loans are subject to credit approval and other restrictions. Loans are based on credit worthiness. Not all loans can be transferred. Some restrictions apply. Contact the Lending Department for complete details. IT S NW YR! Resolve To Make The CHNS To Save You Money. 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 roducts are offered through various insurance companies in association with CU Financial Insurance Services roup ( CUFI ), a wholly owned subsidiary of BCO Federal Credit Union. The insurance products are not federally insured and are not obligations of or guaranteed by the Credit Union, CUFI or any other affiliated entity. mail: [email protected] CLOSD FOR TH HOLIDYS 2010 resident s Day Monday, February 15th Memorial Day Monday, May 31st Independence Day Monday, July 5th Labor Day Monday, September 6th Columbus Day Monday, October 11th Veterans Day Thursday, November 11th Thanksgiving Day Thursday, November 25th Christmas ve friday, December 24th (all offices will close at 1:00 pm) Christmas Day Saturday, December 25th 2011 New Year Day Saturday, January 1st Martin Luther King, Jr. Birthday Monday, January 17th

3 TX TIM IS HR MZZUCCO ND COMNY, Cs is a full service C firm providing income tax preparation and financial planning for individuals, businesses and estates. udit and accounting services to businesses and non-profits are also available. MOORSTOWN OFFIC CNTR 110 Marter venue, Suite 210 Moorestown, NJ hone: Fax: mail: [email protected] Day, vening, & Weekend ppointments vailable. BCO FDRL CRDIT UNION ROVIDS TH BOV BNFIT TO OUR MMBRS WITHOUT OINION TO TH SRVIC ROVIDD. nnouncing the formation of CU Financial Insurance roup, LLC BCO has recently formed a new wholly owned subsidiary to handle 403 (b) roup Retirement lans, Financial lanning, Investments and Insurance Services for our members. ictured are: Diane Barron (xecutive ssistant), ric Lorenz (Financial lanning/investments), Carla Holloway (ccount Development), Joel Sand (Insurance roducts), William Dent (Financial lanning/investments), Sunny Naumoski (Financial lanning/investments) Contact them at: hone: mail: [email protected] **Insurance & Financial roducts are offered through various companies in association with CU Financial Insurance roup, LLC (CUFI), a wholly owned subsidiary of BCO Federal Credit Union ( Credit Union ). Securities are offered through IN Financial dvisors, LLC. (Member SIC). The insurance & financial products are not federally insured and are not obligations of or guaranteed by the Credit Union, CUFI or any other affiliated entity. BONUS DIVIDND On Money Market & IR Money Funds Your Board of Directors has again declared a Bonus Dividend. MONY MRKT LUS BONUS RT = % Y for the entire month of December* Member must have $50,000 on deposit for the entire bonus period, June 1 to December 31 to earn the bonus. IR MONY FUNDS BONUS RT = % Y for the entire month of December* Member must have $25,000 on deposit for the entire bonus period, June 1 to December 31 to earn the bonus. *Y = nnual percentage yield. ssumes reinvestment of interest. Money Market ccounts are computed daily and paid monthly. Minimum balances above are required to earn stated Ys. The nnual ercentage Yield may change at any time without notice as determined by the Credit Union Board of Directors. NLTY WILL B SSSSD FOR RLY WITHDRWL. The R is the prospective yield that the credit union anticipates paying for the applicable dividend period The Dawn Of New Year nd New Decade Last year was a challenging year for investors. Why not avoid the ups and downs of the stock market. INVST YOUR IR FUNDS T BCO WHR THY R SF ND INSURD. You have until pril 15th to open or add to a 2009 IR. BCO has many options from which you can choose: Traditional Roth Coverdell Savings CDs Money Markets Contact any Branch Office to find out your options. NW HOURS New Hours For LNDIN DRTMNT The new hours are: Monday Friday 9:00am to 6:00pm Saturday 9:00am to 1:00pm BCO MMBRS CN SV ON SRINT WIRLSS SRVIC ND HONS, LUS T FR CR CHRR*! Many BCO members have already been saving big with the Sprint Credit Union Member Discount lan. Now our members can also receive a FR car charger* with the purchase of a phone and a new activation through Sprint. NOT FMILIR WITH TH SRINT CRDIT UNION MMBR DISCOUNT LN? Here s how you can save: 10% off most regularly priced Sprint service plans Waived activation fee on new activations Waived upgrade fee Start saving today! Free car charger available with web and phone purchases only. To learn more about this discount plan and to get your free car charger visit or call 877.SV.4.CU. *Offer valid from January 1, 2010 to January 31, xclusively from latinum Wireless, while supplies last. See Web site for details and restrictions. TTNTION MMBRS: Loans re Hard To et In Today s Market. BCO LOVS to give LONS of all kinds. It s what credit unions are in business to do to help people like YOU! Keep your BCO loan source open by keeping your credit history current. If you would like to discuss your past history, call our Lending Department. ll calls are confidential. eople Helping eople - That s been our mission since Surcharge Free TMs available through the llpoint, STRsf and Co-op networks. Look for these logos or find a locations from our or text to (MYCOO). 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) RIDR UNIVRSITY Library & Daly Cafeteria SURCHR-FR TMs

4 RVRS MORTS Cash In On Your Home - SFLY You have worked all your life to pay for your home now let it pay you with a Reverse Mortgage available through BCO. Reverse mortgages are for people age 62 or older with little or no mortgage left on their home. There are no income or credit requirements because you won t be making any payments. Reverse Mortgage works as it implies the reverse of a standard mortgage. Instead of paying out money on a mortgage, you receive money back. t BCO you can be assured that we have your interest at heart. We will discuss with you all the details of this important decision so that you understand everything completely. No surprises no gimmicks no pressure. For complete details, Contact our Mortgage artner: Welcome Mortgage sk for Barbara allaher O -STTMNT WINNRS Congratulations to our winners in the Sign Up For -Statements Contest. Wii Winners Dr. James Riggs Super, my kids are going to be thrilled! These guys (BCO reps) are great. verything s been wonderful from day zero. rompt, courteous, and give good suggestions. rland Chau I have been a member of BCO for over twenty-five years. My reasons for using BCO Credit Union are their courteous & professional customer services, competitive personal loan rates, and outstanding member services. I agree with their motto...bco membership is for life once a member, always a member. Hamidul Haque I m happy with BCO s service; looking forward to doing more business (with them). iod Nano Winners were: Cheryl Haines-Weldon - Dawn Morgan - Joanne araschak - Chris Smith - 6 additional winners were drawn. veryone who signed up were winners not only are e-statements good for the environment, they offer members a convenient way to keep all their financial records in a convenient, secure place available to be viewed at any time day or night. Questions: o Online or contact Member Services. O RN. O RLSS. O (LCTRONIC) -STTMNTS. Check Out For dditional rize Drawings TUSDY, MRCH 23, 2010 Time: 6:30 pm, Meeting 7:00 pm, Dinner lace: Carlucci s Waterfront 876 Centerton Rd., Mt. Laurel, NJ rice: $25 per person Spouses, friends and guests are welcome. To attend you must return the Reservation Form attached by March 12, NOT DT DINNR RSRVTION FORM Deadline: March 12, 2010 Method of payment Check one: Share Draft/Check nclosed for $ Names of Members and uests: lease debit $ from my: Share Draft ccount Share ccount Name Member No. TOTL NUMBR $25.00 each Signature MOUNT TO B NCLOSD OR DBITD $ Date Bring form to: ny Branch Office or Fax to:(609) or Mail to: BCO Federal Credit Union, O Box 503, Rancocas, NJ 08073

5 STUDNT CORNR 2010 SCHOLRSHI LICTIONS t BCO You Have COULD YOUR STUDNT US N DDITIONL $1,000 TO FURTHR HIS/HR DUCTION? BCO OFFRS SCHOLRSHI OORTUNITIS TO YOUTH MMBRS. CONTCT TOLL-FR HON NUMBR: WB SIT: US MILIN DDRSS.O. Box 247 Rancocas, NJ /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* CUFI CRDIT UNION FINNCIL INSURNC ROU BCO Insurance gency Insurance Services uto, Homeowners, Renters, et, Individual, Long Term Care hone: mail: [email protected] Retirement 403(b) roup Retirement lans 401(k) and Individual Retirement ccounts Financial lanning Investment & Brokerage ccounts hone: mail: [email protected] WLCOM MORT (Reverse Mortgages) Barbara allagher TX SRVICS Mazzucco & Co., Cs (856) mail: [email protected] **BCO Federal Credit Union provides the above services to members without opinion to the services provided. Insurance & Financial roducts are offered through various companies in association with CU Financial Insurance roup, LLC (CUFI), a wholly owned subsidiary of BCO Federal Credit Union ( Credit Union ). Insurances are offered through various insurance companies. Securities are offered through IN Financial dvisors, LLC (Member SIC). The Insurance & Financial roducts are not federally insured and are not obligations of or guaranteed by the Credit Union, CUFI or any other affiliated entity. The ward: The New Jersey Credit Union League s Youth Involvement Board (YIB) sponsors a $1,000 scholarship award to be paid jointly to the winning student and the chosen accredited educational institution. Bonus wards: BCO FCU also offers additional $1,000 Scholarships. The number of Scholarships is based on a stipend by the Board of Directors and donations to our Scholarship Fund. ligibility: The applicant must be a member in good standing of BCO FCU and must be enrolled as a high school senior at the time of application. Scholarship funds must be used: for tuition or textbooks; and only at an accredited educational institution (2 or 4 year college, university, or trade school). pplication rocess: ligible student members must complete the Scholarship pplication and submit related material. You can download the application by going online to our website - or from the NJ Credit Union League s website or from our Youth Representative ina Lehman at our Rancocas Branch Office. Selection rocess: Judging will be based on academic performance, extracurricular and community activities, references, and personal goals. Winners will be notified in early summer Deadline: Scholarship pplications must be received by BCO on or before the end of February in order to reach the NJCUL office. There are a few steps to complete, so be sure to get your application soon. ND CR FOR STUDNT OR YOUN RSON JUST STRTIN OUT? sk us about our... FIRST TIM CR BUYR S RORM No credit does NOT equal bad credit One of the purposes of a credit union is to assist members no matter what their age who are trying to establish credit. Members age 18 though 25 years who are in school, just graduating from school, or starting a new job have way to get that first loan for something that is a necessity. sk your Branch or the Lending Department for details.

6 Sometimes it s good to say NO! YS we have Free Online Banking and Bill ayer YS you can pay your VIS bill online YS we will look at you as an individual and help you get the credit you need YS we have Student VIS credit cards NO Balance Transfer Fees NO Sudden Rate Changes BCO has a low fixed rate. NO Credit Limit Decreases roviding you pay your minimum balance on time each month, of course nd you will hear a lot of YS, too. MMBR Rates as low as 9.90%R* Stop paying all those fees and excessive charges that can add up. ut that extra money into your pocket. Open an BCO VIS it s easy. Contact your local Branch or the Lending Department. HV N BCO VIS? Other charge cards are raising your rates and decreasing your limits even if you pay on time. Fight back. Just call the Lending Department or your local branch and let us transfer your balances for FR. How easy is that!!! * rate a member pays is based on credit worthiness. s long as you are a member in good standing, credit limits may not be reduced. Balances can be transferred up to a member s credit limits. Contact us for complete details. Money News RSRT STD U.S. ostage ID Bellmawr, NJ RMIT No Mailing ddress:.o. Box 247, Rancocas, NJ Check inside to find out what s new at your credit union.