HOLIDAY BILLS PILING UP?

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1 Big City fficiency...small Town Friendliness Money News HOLIDY BILLS ILIN U? First Quarter 2008 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 Q John Member 12/10/09 ay them off with your BCO Visa Credit Card ND RN BONUS OINTS, too. Benefits of an BCO Visa Credit Card Low, fixed rate no sudden rate increases or other gimmicks. No Fee For Balance Transfers and we have made balance transfers simple. Just bring your information to any of our Branch Offices. For F--S-T--R Service: Fax us a copy of one or more of your credit card statements. Don t forget to include your BCO account number and how much you would like transferred to your BCO Visa.* Fax to the Loan Department. : BONUS OINTS For urchases. Redeem them for Merchandise or Travel Rewards. For complete details and to view your rewards, go to: and type in your BCO Visa number. ay Your Bill Online for Free use our Free Bill ayer and pay your bill through our website. You can even set up an automatic monthly payment. Save time, money and hassle. DON T HV N BCO Visa Credit Card? Our application process is fast and easy. nd we have many rates and options to help you get the credit you need. Contact your Local Branch Office or Call our Consumer Lending Department *Balance transfers subject to a member s credit limit. The rate a member pays and their credit limit is based on credit worthiness. Contact us for details. 2 Branch Locations uto/home Insurance Save for Retirement nnual Meeting Holiday Closings 3 Money Market ccts. IRS Direct Contest Winners ccount Information Website ward Your Credit Report llpoint Information Mortgages 4 Beware of Instant Refund Tax Loans ayday Loans re NOT a ood Deal Small Credit Builder Loan 5 Contact Us Information Benefit artners Student Member Corner Services for Students 6 CD Special Bonus IR CD Offer IR Information

2 BRNCH LOCTIONS WILLINBORO FULL SRVIC BNKIN CNTR 666 Beverly-Rancocas Rd. Willingboro, NJ (609) FX (609) Mon.-Fri. 9 am-6 pm Sat. 9 am-1 pm Drive Thru: Mon.-Fri. 7:30 am-6 pm Sat. 9 am-1 pm WILLINBORO LNDIN CNTR ast Ridge Shopping Center 621 Beverly-Rancocas Rd. Willingboro, NJ Loan-By-hone (609) FX (609) Mon.-Fri. 8 am-5 pm RNCOCS VILL OFFIC 215 Main St., Rancocas, NJ (609) FX (609) Mon.-Fri. 9 am-5 pm TLNTIC COUNTY OFFIC 6716 Black Horse ike - Suite 8 gg Harbor Twp., NJ (609) FX (609) Mon. & Fri. 7:30 am-6 pm Tue., Wed. & Thurs. 9 am-5 pm BROWNS MILLS OFFIC 81 emberton Browns Mills Rd..O. Box 698 Browns Mills, NJ (609) FX (609) Mon.-Fri. 9 am-5 pm (Lobby) Mon.-Fri. 9 am-6 pm (Drive Thru) Sat. 9 am-1 pm (Lobby & Drive Thru) COOR HOSITL OFFIC (Hospital mployees Only) 1 Cooper laza Camden, NJ (856) FX (856) Mon. & Fri. 7 am-5 pm Tues., Wed. & Thurs. 9 am-5 pm LSSBORO OFFIC Doubletree Center 870 Delsea Dr. lassboro, NJ (856) FX (856) Mon.-Thurs. 9 am-5 pm Fri. 9 am-6 pm Sat. 9 am-12 noon RIDR UNIVRSITY OFFIC Student Center/Rider University 2083 Lawrence Rd. Lawrenceville, NJ (609) FX (609) Mon. - Fri. 8 am to 4 pm Closed Daily: 12:30-1 pm WLL OFFIC 1415 Wyckoff Road.O. Box 1462 Wall Twp., NJ (732) FX (732) Mon., Wed. & Fri. 9 am-1 pm, 1:30 pm-4:30 pm Closed Tues. & Thurs. ND INSURNC FOR YOUR UTO OR HOM? Don t go to strangers. Contact an BCO ffiliate. Let us see if we can save you money! CLL: MIL: [email protected] NNUL MTIN March 25, 2008 SV FOR RTIRMNT rotect your golden nest egg. Watch it grow safely with an insured Individual Retirement ccount (IR) from your credit union. W HV MNY INSURD OTIONS FROM WHICH TO CHOOS: IR Savings ccounts - Traditional, Roth, Coverdell IR Certificates of Deposit IR Money Market ccounts IR Money Market lus ccounts See back page for Special IR CD offering. Call Member Services at: , or go to your local branch office. For other investment options: go to our website and click on the Financial nswer Center icon. Time: 6:30 pm, Meeting 7:00 pm, Dinner Dinner: $25.00 each s a member/owner of the credit union, you're invited to attend the annual meeting. t other financial institutions, only a select few (those who own stock) are invited to the annual meeting. financial cooperative, your credit union is owned by you, and your participation in the annual meeting is one of the benefits of belonging. You'll learn about what's been accomplished in 2007, as well as service improvements planned for the coming year. Hear results of the board of directors' election, visit with your credit union friends, and enjoy a great dinner with entertainment, too. Make plans now to join us at the nnual Meeting. Return the reservation form and mark your calendar. ll members can come to the nnual Meeting at no charge. Dinner at Carlucci s Waterfront after the meeting is $25.00 per person. If you would like to join us for a great evening of dinner, entertainment, and a few surprises, please complete and return the reservation form below. Spouses, children and guests are welcome! DINNR RSRVTION FORM Deadline: March 6, 2008 Names of Members and uests: Method of payment Check one: Share Draft/Check nclosed for $ 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 Carlucci s Waterfront 876 Centerton Rd. Mt. Laurel, NJ CLOSD FOR TH HOLIDYS New Year s Day Tues., Jan. 1 Martin Luther King Jr. Birthday Mon., Jan. 21 residents Day Mon., Feb. 18 Memorial Day Observed Mon., May Independence Day Fri., July 4 Labor Day Mon., Sept. 1 Columbus Day Observed Mon., Oct. 13 Veterans Day Tues., Nov. 11 Thanksgiving Day Thurs., Nov. 27 Christmas ve Wed., Dec. 24 (ll Offices Will Close t 1:00 pm) Christmas Day Thurs., Dec. 25

3 What You Should Know From BCO... et MOR for Your Money in 2008 re you looking for a financial institution that pays you more for money on your deposits? Look no further look to BCO. See for yourself how we stack up against the competition for Money Market ccounts! Financial Institution BCO FCU Wachovia Commerce Bank of merica Money Market Y* $10,000 minimum 2.17% Y.97% Y.35% Y.25% Y *Chart shows nnual ercentage Yields (Y), effective 1/08/08 as reported by Ratewatch. Rates effective 1/08/08. BCO S Money Market lus ccount - $50,000 minimum % Y* *Rate is as of 1/08/08 and subject to change. IRS DIRCT Safe, asy, Fast Divide your refund three ways! Working with your credit union, the IRS will electronically transmit your 2007 tax refund using direct deposit. Millions of taxpayers already take advantage of this service because it is: SF checks can t get lost or stolen SY no special trips to the credit union FST refunds arrive up to 3 weeks earlier. SLIT DOSITS OFFR MOR OTIONS You can also select up to three financial accounts for direct deposit of your tax refund. Roll the Dice romotion WINNRS 1. Use new IRS Form 8888 to split your refund. 2. Use the appropriate line under Refund on Form 1040 to deposit into a single account 3. Talk to your credit union about your best options! MLNI LISITSKI $1, RCHL J. TURNR $ HRRIS LBR $ V BOYC $ JON L. CMILLTTI $ JNN MIRBLLI $ Is Your ccount Information Up-To-Date? You should have received your quarterly statement in the mail recently. lease take a minute and check to see if we have all your correct information on file. You may have moved, changed your telephone number, changed marital status or.. lease be sure to let us know about any changes or discrepancies that you see on your statements. For additional peace of mind, add your address and cell phone number to your account. To update your information, stop by any Branch Office or write us (be sure to sign the letter and include your account number). Do NOT send any personal information via . Our Mailing ddress is: BCO FCU, O Box 247, Rancocas, NJ OUR WBSIT WINS OLD WRD Our website has won a OLD ward in the 2007 MarCom wards, a national competition. Our award-winning site is offered FR to our members FR Online Banking and FR Bill ayer. If you need help in setting up your ccounts contact your local branch office or member services RMINDR: CHCK YOUR CRDIT RORT You can request a free copy of your credit report from each of the three major credit reporting agencies quifax, xperion, and TransUnion every 12 months. Check your report for errors and false information you may even discover possible identity theft, fraud or information mix-ups. Your credit report is important check it out today. You can get a free annual credit report at NW MORT RORMS RVRS MORTS 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 those 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. There are many factors involved and you have options on how to receive your payments. Want to learn more. Contact our Mortgage artner Barbara allaher Welcome Mortgage Corp FH MORTS For New Loans Or To Refinance n xisting RM re you purchasing a home or trying to refinance out of a risky adjustable mortgage? FH may be your answer! FH offers safe, fixed rate mortgages with easier qualifying guidelines. FH allows you to refinance your home and take out up to 95% of the equity. You can do a rate and term refinance without taking any cash to lower or fix your interest rate. Or, you can purchase a home with as little as a 3% investment and still receive a safe, government insured fixed rate. FH offers many, easy options and just may be the right loan for you! Call us to discuss the difference an FH loan may make in your life. Contact our Mortgage artner Barbara allaher Welcome Mortgage Corp 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 Need Cash To ay For Holiday xpenses? DON'T FLL INTO THS TWO TRS.. Beware Of INSTNT Refund Tax Loans With tax filing season right around the corner, your credit union urges you to avoid tax preparers' "instant refund" feature. Fees for this service may seem "reasonable" at the time but such refunds are actually loans that carry very high interest rates. fee of $50, for example, on a refund of $500 that the tax preparer gets back in two weeks works out to an annual interest rate of 240%. Think about it. Would you borrow money from anyone at that rate - for money that is yours to begin with? Of course not. But millions of people every year pay these kinds of fees for a little convenience. With electronic filing (used by most major tax preparers) wait times have been dramatically reduced for tax refunds. Take our advice. Wait the short amount of time it takes to get LL your money back. Need Cash NOW! Contact us about a Signature Loan. t BCO you will pay a lot less than an instant tax refund loan and get the same, fast service. ayday Loans re NOT ood Deal When you're in a jam for cash, a payday loan might seem like an easy solution. But what are you willing to pay for what seems like convenience? Now you don't have to guess - or kid yourself. The Consumer Federation of merica (CF) has a calculator that crunches the numbers, and also crunches any illusions you might have about the deal you're getting from a payday lender. Just visit and plug in some whatifs. What if, say, you borrowed $300 for two weeks, at a perhundred-dollar fee of $15, and made eight loans or renewals in one year's time - all typical numbers. Here's the reality check: You would pay $360 in finance charges - plus the original $300 - at an R (annual percentage rate) of 390%. Sometimes called cash advance loans, check advance loans, postdated check loans, or deferred deposit check loans, these shortterm loans are small cash loans secured by a borrower's personal check, payable in full on the borrower's next payday. Interest rates in excess of 300% are not uncommon. If you are in need of cash, large or small, give BCO a call! Toll-Free: Or contact any Branch Office listed in this newsletter. BCO HS TH SOLUTION Small CRDIT BUILDR Loan BORROW $300 OR $500 FOR SHORT TRM No Credit Report asy Qualification Fast pproval t BCO we are offering a way to pay off your immediate debts without high fees. t the same time, we ll also start you on the savings program habit to help build your credit. No immicks No High Fees Just plain old fashioned service. vailable at any branch location or call HR IS BSIC OVRVIW No Credit Report Two Borrowing rograms $ for a 6 month term $ for an 8 month term Interest rate: 18% R fter paying off one loan, you can borrow again! QULIFICTIONS Be an BCO member in good standing for one year rovide proof of employment ive us two references Open a Fresh Start Savings ccount and save at least $5.00 per month. Must be paid through payroll deduction or direct deposit. sk us for complete details. Se Habla spañol ara preguntas o explicacio n de los servicios del Credit Union, llame al (609) (609) o

5 STUDNT MMBR CORNR LICTION FORMS FOR $1,000 SCHOLRSHI DU FBRURY 28th Mailing ddress: CONTCT t BCO You Have US.O. Box 247, Rancocas NJ BCO S Toll-free hone No.: BCO s Website: 24-Hour Touch-Tone Teller ara preguntas o explicación de los servicios del Credit Union, llame al (609) (609) o Visa Credit Card (eve. & weekends) Visa TM/Check Card (eve. & weekends) BCO Business Services (609) Brian Yannerella, -mail: [email protected] Benefit artners* CU Insurance Service roup uto, Homeowners, Renters ll Other Insurances Business/roup Insurance Individual Life/Disability Insurance Long Term Care Insurance et Insurance -Mail: [email protected] Financial lanning and 403(b) (856) or -mail:[email protected] Mazzucco & Co., C s (856) CU Discount Real state System* Website: *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. BCO offers $1,000 Scholarships to members who are high school seniors. Scholarships are funded by member donations and a stipend from the Board of Directors. Last year BCO awarded eight scholarships. ll applicants must complete a Scholarship pplication Form. Completed applications must be received by BCO or before February 28th so that we can forward them to the independent, statewide judging committee. ll Scholarships will be awarded in May, If he/she has not already done so, a student is urged to request an pplication Form immediately. If a student has an application, he/she should return it as soon as possible to avoid missing out on this opportunity. For complete details and a Scholarship pplication Form: Call us at (609) or Fax us at (609) Send us an In the Subject Line type: Scholarship pplication Services For Students Student Share Draft (Checking) ccount No minimum balance requirement No monthly service charge First box of 50 Share Drafts (checks) are Free arents can transfer funds from their BCO ccount into their student's account either online or in person. 24/7 ccount ccess - Free Online Banking Free Online Bill ayer Free Telephone Touch-Tone Teller TM/Visa Check Card - Students can access their checking account at any TM nationwide and worldwide. The debit feature allows students to pay for items at the point of purchase and get Cash Back. Student Visa Credit Card VIS credit card is available to students with credit limits up to $2,000. With credit so very important, this is a good way to begin to establish a credit history. roperly used, it is an excellent way to purchase incidentals such as books, clothing, etc., in school. It is also a great way to get and establish credit. If you (or your child) have a VIS Credit Card from somewhere else, you could be paying more than you should. Let us help you compare. In School. Need Car? sk us about.. First Time Car Buyer's Loan ffordable uto Insurance uto Insurance Loan

6 Stock Market etting You Nervous? There is an alternative! SF, INSURD BCO Certificate of Deposit With uaranteed Rate ll BCO IR CDs are Insured Up To $500,000 per member account. SK US HOW TO MXIMIZ YOUR INSURNC COVR BY ONIN MULTIL CCOUNTS! CD SCIL $500 Minimum Deposit ick Your Term 1 Year 3 Years 5 Years Rate: 5.20% Y* BONUS IR CD OFFR $500 Minimum Deposit Term - 5 Years 5.20% Y +.15 BONUS = 5.35% Y* Offer ood Through pril 15th. Use this offer to open an IR for You could save on your 2007 taxes, too! *Y = nnual ercentage Yield. ssumes reinvestment of interest. Rate above is for the stated term. Other competitive rates and terms available. Contact us for complete details. CDs are compounded and paid quarterly. Offer may be withdrawn at any time. NLTY OF 120 DYS WILL B SSSSD FOR RLY WITHDRWL. IR CDs are subject to applicable regulations. Consult your tax advisor for details on tax savings. DON'T FORT TO ON 2007 IR It's still not too late to open an Individual Retirement ccount (IR) for tax year n IR is a great way to supplement your retirement income. lmost anyone is eligible for an IR. art or all of your IR contributions may be tax deductible. Consult with a qualified tax professional to find out whether your IR contributions are tax deductible. The deadline for opening an IR for tax year 2007 is pril 15, But don't wait until the last minute. Call or stop by BCO today. Let us explain the benefits of an IR in more detail and open an account tailored to your specific needs and goals. Mailing ddress:.o. Box 247, Rancocas, NJ Big City fficiency...small Town Friendliness RSRT STD U.S. ostage ID Rancocas, NJ RMIT No. 36 Money News has a new look. Check inside for financial information and to find out what's new at your credit union.