Meet Us at the Ball Park for Our Annual Car Sale November 2nd & 3rd Are you in the market for a new or used vehicle? Then meet us at the ball park! Credit Union of Georgia’s Annual Fall Car Sale is coming this November. However, this year you will notice something a little different… we are having a 2 DAY EVENT! To better meet your needs we are holding a 2 day Car Sale event November 2nd from 11am – 7pm and November 3rd from 9am – 2pm. The Car Sale this year will be held in the parking lot next to Turner Field at 755 Hank Aaron Drive, Atlanta, Georgia 30315. While you’re at the Car Sale, don’t miss out on our unbelievable rates as low as 4.99% APR * for up to 36 months. With a rate this low, you can’t afford to miss out. To make buying your next vehicle even easier, please take advantage of our free pre-approval process. Mail, fax, or bring in the enclosed pre-approval form with a copy of your payroll stub to the Credit Union. Or, you can go online to complete and submit your application by visiting www.CUofGA.org. As always, Credit Union of Georgia wants to make your car buying experience a great one. For more information please contact our Auto Buying Service at 678-322-2239. *Annual Percentage Rate. Offer good for purchases up to 100% of NADA Retail on new and used vehicles or MSRP on new vehicles. Rates valid on new and used auto loans and motorcycle loans. Promotional rates start as low as 4.99% APR for up to 36 months. Rates received are dependent upon credit history. Programs, Rates, and Terms are subject to change without notice. Subject to credit approval.

4

Tell Us How We’re Doing!

Deposit Rates are Up, Finish Your IRA for 2007 As 2007 begins to come to a close, have you made your allotted contributions to your IRA for the year? The contribution limit for the year 2007 for both Traditional and Roth IRAs is $4,000 if you are under the age of 50. However, if you’re 50 or over, you may make an additional $1,000 contribution, which means you can contribute $5,000 total to your IRA in 2007.* Now is the time to complete your IRA contributions for 2007 and put these deposits in your Credit Union. Rates are on the rise and this means more money in your pocket. Check out our rates at www.CUofGA.org/ products/ rates/share.html. Not only can you deposit new money in an IRA account, but you can also rollover your 401K or 403B for additional benefits.

An IRA is flexible. You decide how and when to make contributions. You might decide to contribute a small amount each month, or to contribute a single lump sum once a year.

• Dividends paid monthly on the average daily balance • Funds insured separately by NCUA to at least $250,000 • Share Certificates with fixed rates and a variety of terms ranging from 3 months to 5 years

There are many advantages to an IRA with your Credit Union:

Even if your IRA contributions are not tax deductible, the earnings on your IRA are tax-deferred*. This tax-deferred benefit combined with the compounding of your IRA contributions will result in additional earnings for your retirement years. Credit Union of Georgia provides multiple options for establishing and diversifying your retirement portfolio. For more information contact Sam Davis, our Financial Service Representative, at 678-322-2241.

• Traditional, Roth, and Educational IRAs available • Perfect supplement to other sources of retirement income • Flexible and convenient contributions through payroll deductions • Tax-deferred dividend earnings for every IRA owner • Contributions may still provide immediate tax benefits • Attractive dividend rates, with a premium rate for deposits in any IRA Share Certificate

*Not intended as tax advice. Please consult your tax advisor for tax deductibility and benefits.

Investment Strategies for Retirees A Message from the MEMBERS FINANCIAL SERVICES If you’re retired, it’s essential to brush-up on investing basics and follow time-tested investing principles. For starters, review your portfolio to make sure it’s adequately diversified. As many retirees found out the hard way from 2000 to 2002, how your money is divided among the different types of savings and investments, and among the categories within these main types, is one of your most important investing decisions. So make it a priority to calculate what percentage of cash, bonds, and stocks you have in your portfolio and set your target asset allocation plan. Your target investment mix depends on your financial goals, estimated life expectancy, overall financial situation, and tax bracket. Importantly,

it also depends on your financial ability to withstand losses and how much risk you need to take to meet your goals. Once you diversify your investments, periodically rebalance your portfolio to maintain your target mix and to lock in your gains. For more information about managing your investments in retirement, please contact Sam Davis, the MEMBERS Financial Services Representative serving the members of Credit Union of Georgia, at 678-322-2241. Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member NASD/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (866) 5126109. Nondeposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financial services program, to make securities available to members. B2MM-0904-66E3

Formerly

Our Mission is YOU! 678-486-1111 1-877-590-6226

www.CUofGA.org

KSU Branch at KSU Center

Marietta Branch

Paulding Branch at Citizens Square

3333 Busbee Drive, Kennesaw, GA 30144

69 South Avenue, Marietta, GA 30060

4075 Marietta Hwy., Dallas, GA 30157

To ensure that the credit union is receiving your correspondence and payments in a timely manner, please make sure you are sending all mail to Credit Union of Georgia at the following address:

Mailing Address: P.O. Box 2148, Woodstock, GA 30188-1357

South Cobb Branch

Towne Lake Branch

3565 Austell Road, 3048 Eagle Drive, Marietta, GA 30008 Woodstock, GA 30189

Log on to www.CUofGA.org and fill out our online Member Satisfaction Survey.

You could win a $25 Visa Gift Card!

Pu

Redeem your COINS for CASH Come in to any of our branches and use the new coin machines, now available for you. This service is FREE for Credit Union of Georgia members.

for the M emb er s of Cre dit Union of G e or b lishe d g

Fall 2007 ia

Great new Offering to Home Banking Users! Introducing eAlerts™! Peace of mind comes a little easier to Home Banking users when you sign up for Credit Union of Georgia’s new eAlerts! Receive up-to-date alerts about your account transactions sent directly to your email address or cell phone the way you want them! Wondering if that check’s cleared? Now you can find out sooner than ever before! Need to know if Return Guard has been used? Find out without a delay! You control how and when you receive the eAlerts of your choice—it’s that simple! In just a few easy steps, you can take advantage of this simple and handy way to have control over your account activity! This fast, convenient service begins in October! Home Banking users can enroll in this FREE service through their eBranch Home Banking account during the month of October. Be on the lookout for updates on our website at www.CUofGA.org.

Ava i l a b l e e A l e r t s ! ™ functions include:

• L o w B a l a n c e • N S F • R e t u r n G u a r d • O v e r d r a w Tr a n s f e r • D i r e c t D e p o s i t • L o w Av a i l a b l e C r e d i t • L o a n Pa y m e n t D u e • M a t u r i n g C e r t i f i c a t e

Your credit card is more than a pretty piece of plastic. It is real money and if you don’t know your interest rate, or terms and conditions, you could be paying more for your credit card than you think. Credit card companies do a great job putting important information about fees and rates in small print. At Credit Union of Georgia we have a Visa Credit Card program that is simple; low rates and easy-to-understand terms and conditions. Why should you switch to a Credit Union of Georgia Visa credit card? • Four Competitive Card Options including Cash Back and Rewards • No Rate Increase or Fees on Cash Advances • No Balance Transfer Fees • 25 Day Grace Period on Purchases • Choice of Fixed or Variable Interest Rates Applying is simple, visit us online at www.CUofGA.org, contact our Mail and Phone Service department at 678-486-1111, or visit any branch location.

IN THIS ISSUE Business Services Available.......................page 2 Win A Free Desktop Computer..................page 3 Finish Your IRA for 2007.............................page 4

2

3

Now You Can Purchase Foreign Currency at Your Credit Union Taking a trip? Need foreign currency fast? Credit Union of Georgia wants to make your out-of-country travels more convenient with our new currency exchange services! Need to cash in unused or unwanted foreign currencies? We can help with that too! In as little as 1 to 2 business days, we’ll help you turn your U. S. dollars into one of 105+ foreign currencies - leaving you less time to worry about setbacks, and more time to relax and enjoy your time away! When it comes to traveling out of the country, packing just might be your biggest worry! With three options for delivery - home, office, or a nearby Credit Union of Georgia branch. Credit Union of Georgia is your one-stop shop for foreign currencies, traveler’s cheques, and much, much more!! Beginning October 1, 2007, log-on to www.CUofGA.org, visit one of our convenient locations, or call us at 678-486-1111 for details!

Amendment To Reg CC Affects Georgia Check Holds It was announced in 2004 that the check-processing operations of the Nashville branch office of the Federal Reserve Bank of Atlanta would be transferred to the Atlanta Reserve Bank’s head office. The transfer, however, was delayed due to Hurricane Katrina. The transfer has now proceeded. Effective July 21, 2007, Appendix A of Regulation CC has been amended to delete the reference to the Nashville branch office of the Federal Reserve Bank of Atlanta and reassign the Federal Reserve routing symbols currently listed under that office to the head office of the Federal Reserve Bank of Atlanta. As a result of this change, checks that are drawn on and deposited at financial institutions located in the Nashville and Atlanta check processing regions that currently are non-local checks will become local checks subject to faster availability schedules. Routing numbers that will now become local for Atlanta begin with: 0640, 0641, 0642, 2640, 2641, and 2642. If you have any questions regarding these changes, please contact our MAPS department at 678-486-1111. The

is Now Offering Business Accounts The Credit Union difference is now working for your business. Ready access to capital and financial services is the lifeline of a small business. Unfortunately, affordable, personalized services haven’t always been forthcoming from the larger institutions that dominate the financial services industry these days. That’s where Credit Union of Georgia comes in. With our new line of high-value business services, we’re able to offer your business the same low rates when you borrow, and high rates when you save as we’ve offered our members for over 45 years. Along with this, you’ll still receive the same great service you’ve come to expect from Credit Union of Georgia. We’re owned by our members to serve our members, so naturally we do things a little differently. Since we’re a not-for-profit cooperative, we are able to turn our “profits” back into benefits for our members. Some of the many Business Account services Credit Union of Georgia now offers include Checking and Savings options, Secured and Unsecured Lines of Credit, Term Loans, Commercial Real Estate Loans, Business Visa Credit Cards, and much more. To learn more on how Credit Union of Georgia can help your business, contact our MAPS (Mail and Phone Service) department at 678-486-1111 or visit any branch location.

Win 1 of 3 Free Desktop Computers Just Sign-Up for eStatements!

How to access your eStatement

Receive your monthly statement electronically every month. You can view your statements online at your convenience completely free of charge. With eStatements you can view online images of your posted checks; which are linked to your monthly statement and can be accessed simply by clicking on the check number. eStatements begin accumulating up to 18 months of statements once you sign-up. Plus, you do not have to worry about filing your paper statement every month, because now your monthly statement will be filed online safely and securely.

The first business day of the month, you will receive an email notification informing you that your eStatement is available for viewing. You will sign-in to our eBranch as usual and click on the option in the left column that reads “eStatement.” Then click on the drop down menu that reads “eStatement.” This will take you to a screen where you can access your monthly statement.

How to Sign–up for eStatements Once you sign into our eBranch site, there is a column on the left with many options. Click on the option that reads “eStatement.” This will give you a drop down menu with two choices: eStatement Preferences or eStatement.” Choose “eStatement Preferences.” This will take you to a webpage titled “eStatement Preferences.” Click on the drop down menu to choose “eStatement Enabled.” Then, type in the email address where you would like for your eStatement notification to be sent each month. Click “Continue” and you will begin receiving a monthly email informing you that your eStatement is available.

Once you have registered to begin receiving eStatements you will be entered into a drawing to win one of three desktop computers that will be given away between now and December 31, 2007. Already signed up for eStatements? Members enrolled in eStatements by June 30, 2007 and continue to stay enrolled in eStatements through June 30, 2008 will be entered in a drawing to win a FREE desktop computer! For assistance in enrolling in eStatements contact our MAPS (Mail and Phone Service) department at 678-486-1111, or visit any branch location. * Employees and officials and their immediate family are not eligible. To qualify, members must be registering for eStatements for the first time. Limit one entry per account number. Promotional period runs July 1, 2007 – December 31, 2007. Members who enroll in eStatements during the promotional period will be entered in a drawing to win a desktop computer; drawings will take place August 31, 2007, October 31, 2007, and December 31, 2007. Members will be notified via phone.

Library Donations Made to New Schools Cherokee County Schools opened a new Elementary School this year in the Canton area. Pictured to the left (from left to right) is Dr. Georgann Toop, Principal of Avery Elementary School, along with Ms. Jennifer Blakey, Media Specialist accepting a donation of $500 and a plaque for the Media Center from Business Development Representative Kathy Bouyett.

Paulding County Schools opened several new schools this year. Pictured to the right (from left to right) is Business Development Representative Jennifer Kamin presenting Ms. Gail Davis, Principal of McClure Middle School, and Ms. Rhonda Boggs, Media Specialist with a plaque and $500 donation for McClure’s new Media Center.

* Daily Specials*

Your loan, your choice!

Looking to purchase or refinance an auto, ATV, boat, motorcycle, or RV? Choosing a loan option has never been easier! Let Credit Union of Georgia help you personalize your next auto buying experience with our Loan Menu Daily Specials! Stop by one of our five branches today to take advantage of rates starting as low as 4.99% APR* for up to 36 months! Don’t forget to add a side of one of your great Credit Union services such as 90-day payment deferment, or one of our valuable warranties and more! But hurry… ...this special ends October 15th! *Annual Percentage Rate. Offer good for purchases up to 100% of NADA Retail on new and used vehicles or MSRP on new vehicles. Rates valid on new and used auto loans, motorcycle loans, ATV loans, boat loans, and RV loans. Promotional rates start as low as 4.99% APR for up to 36 months. Rates received are dependent upon credit history. Programs, Rates, and Terms are subject to change without notice. Subject to credit approval.

The

Fall 2007

LOAN MENU

Fall 2007

2

3

Now You Can Purchase Foreign Currency at Your Credit Union Taking a trip? Need foreign currency fast? Credit Union of Georgia wants to make your out-of-country travels more convenient with our new currency exchange services! Need to cash in unused or unwanted foreign currencies? We can help with that too! In as little as 1 to 2 business days, we’ll help you turn your U. S. dollars into one of 105+ foreign currencies - leaving you less time to worry about setbacks, and more time to relax and enjoy your time away! When it comes to traveling out of the country, packing just might be your biggest worry! With three options for delivery - home, office, or a nearby Credit Union of Georgia branch. Credit Union of Georgia is your one-stop shop for foreign currencies, traveler’s cheques, and much, much more!! Beginning October 1, 2007, log-on to www.CUofGA.org, visit one of our convenient locations, or call us at 678-486-1111 for details!

Amendment To Reg CC Affects Georgia Check Holds It was announced in 2004 that the check-processing operations of the Nashville branch office of the Federal Reserve Bank of Atlanta would be transferred to the Atlanta Reserve Bank’s head office. The transfer, however, was delayed due to Hurricane Katrina. The transfer has now proceeded. Effective July 21, 2007, Appendix A of Regulation CC has been amended to delete the reference to the Nashville branch office of the Federal Reserve Bank of Atlanta and reassign the Federal Reserve routing symbols currently listed under that office to the head office of the Federal Reserve Bank of Atlanta. As a result of this change, checks that are drawn on and deposited at financial institutions located in the Nashville and Atlanta check processing regions that currently are non-local checks will become local checks subject to faster availability schedules. Routing numbers that will now become local for Atlanta begin with: 0640, 0641, 0642, 2640, 2641, and 2642. If you have any questions regarding these changes, please contact our MAPS department at 678-486-1111. The

is Now Offering Business Accounts The Credit Union difference is now working for your business. Ready access to capital and financial services is the lifeline of a small business. Unfortunately, affordable, personalized services haven’t always been forthcoming from the larger institutions that dominate the financial services industry these days. That’s where Credit Union of Georgia comes in. With our new line of high-value business services, we’re able to offer your business the same low rates when you borrow, and high rates when you save as we’ve offered our members for over 45 years. Along with this, you’ll still receive the same great service you’ve come to expect from Credit Union of Georgia. We’re owned by our members to serve our members, so naturally we do things a little differently. Since we’re a not-for-profit cooperative, we are able to turn our “profits” back into benefits for our members. Some of the many Business Account services Credit Union of Georgia now offers include Checking and Savings options, Secured and Unsecured Lines of Credit, Term Loans, Commercial Real Estate Loans, Business Visa Credit Cards, and much more. To learn more on how Credit Union of Georgia can help your business, contact our MAPS (Mail and Phone Service) department at 678-486-1111 or visit any branch location.

Win 1 of 3 Free Desktop Computers Just Sign-Up for eStatements!

How to access your eStatement

Receive your monthly statement electronically every month. You can view your statements online at your convenience completely free of charge. With eStatements you can view online images of your posted checks; which are linked to your monthly statement and can be accessed simply by clicking on the check number. eStatements begin accumulating up to 18 months of statements once you sign-up. Plus, you do not have to worry about filing your paper statement every month, because now your monthly statement will be filed online safely and securely.

The first business day of the month, you will receive an email notification informing you that your eStatement is available for viewing. You will sign-in to our eBranch as usual and click on the option in the left column that reads “eStatement.” Then click on the drop down menu that reads “eStatement.” This will take you to a screen where you can access your monthly statement.

How to Sign–up for eStatements Once you sign into our eBranch site, there is a column on the left with many options. Click on the option that reads “eStatement.” This will give you a drop down menu with two choices: eStatement Preferences or eStatement.” Choose “eStatement Preferences.” This will take you to a webpage titled “eStatement Preferences.” Click on the drop down menu to choose “eStatement Enabled.” Then, type in the email address where you would like for your eStatement notification to be sent each month. Click “Continue” and you will begin receiving a monthly email informing you that your eStatement is available.

Once you have registered to begin receiving eStatements you will be entered into a drawing to win one of three desktop computers that will be given away between now and December 31, 2007. Already signed up for eStatements? Members enrolled in eStatements by June 30, 2007 and continue to stay enrolled in eStatements through June 30, 2008 will be entered in a drawing to win a FREE desktop computer! For assistance in enrolling in eStatements contact our MAPS (Mail and Phone Service) department at 678-486-1111, or visit any branch location. * Employees and officials and their immediate family are not eligible. To qualify, members must be registering for eStatements for the first time. Limit one entry per account number. Promotional period runs July 1, 2007 – December 31, 2007. Members who enroll in eStatements during the promotional period will be entered in a drawing to win a desktop computer; drawings will take place August 31, 2007, October 31, 2007, and December 31, 2007. Members will be notified via phone.

Library Donations Made to New Schools Cherokee County Schools opened a new Elementary School this year in the Canton area. Pictured to the left (from left to right) is Dr. Georgann Toop, Principal of Avery Elementary School, along with Ms. Jennifer Blakey, Media Specialist accepting a donation of $500 and a plaque for the Media Center from Business Development Representative Kathy Bouyett.

Paulding County Schools opened several new schools this year. Pictured to the right (from left to right) is Business Development Representative Jennifer Kamin presenting Ms. Gail Davis, Principal of McClure Middle School, and Ms. Rhonda Boggs, Media Specialist with a plaque and $500 donation for McClure’s new Media Center.

* Daily Specials*

Your loan, your choice!

Looking to purchase or refinance an auto, ATV, boat, motorcycle, or RV? Choosing a loan option has never been easier! Let Credit Union of Georgia help you personalize your next auto buying experience with our Loan Menu Daily Specials! Stop by one of our five branches today to take advantage of rates starting as low as 4.99% APR* for up to 36 months! Don’t forget to add a side of one of your great Credit Union services such as 90-day payment deferment, or one of our valuable warranties and more! But hurry… ...this special ends October 15th! *Annual Percentage Rate. Offer good for purchases up to 100% of NADA Retail on new and used vehicles or MSRP on new vehicles. Rates valid on new and used auto loans, motorcycle loans, ATV loans, boat loans, and RV loans. Promotional rates start as low as 4.99% APR for up to 36 months. Rates received are dependent upon credit history. Programs, Rates, and Terms are subject to change without notice. Subject to credit approval.

The

Fall 2007

LOAN MENU

Fall 2007

Meet Us at the Ball Park for Our Annual Car Sale November 2nd & 3rd Are you in the market for a new or used vehicle? Then meet us at the ball park! Credit Union of Georgia’s Annual Fall Car Sale is coming this November. However, this year you will notice something a little different… we are having a 2 DAY EVENT! To better meet your needs we are holding a 2 day Car Sale event November 2nd from 11am – 7pm and November 3rd from 9am – 2pm. The Car Sale this year will be held in the parking lot next to Turner Field at 755 Hank Aaron Drive, Atlanta, Georgia 30315. While you’re at the Car Sale, don’t miss out on our unbelievable rates as low as 4.99% APR * for up to 36 months. With a rate this low, you can’t afford to miss out. To make buying your next vehicle even easier, please take advantage of our free pre-approval process. Mail, fax, or bring in the enclosed pre-approval form with a copy of your payroll stub to the Credit Union. Or, you can go online to complete and submit your application by visiting www.CUofGA.org. As always, Credit Union of Georgia wants to make your car buying experience a great one. For more information please contact our Auto Buying Service at 678-322-2239. *Annual Percentage Rate. Offer good for purchases up to 100% of NADA Retail on new and used vehicles or MSRP on new vehicles. Rates valid on new and used auto loans and motorcycle loans. Promotional rates start as low as 4.99% APR for up to 36 months. Rates received are dependent upon credit history. Programs, Rates, and Terms are subject to change without notice. Subject to credit approval.

4

Tell Us How We’re Doing!

Deposit Rates are Up, Finish Your IRA for 2007 As 2007 begins to come to a close, have you made your allotted contributions to your IRA for the year? The contribution limit for the year 2007 for both Traditional and Roth IRAs is $4,000 if you are under the age of 50. However, if you’re 50 or over, you may make an additional $1,000 contribution, which means you can contribute $5,000 total to your IRA in 2007.* Now is the time to complete your IRA contributions for 2007 and put these deposits in your Credit Union. Rates are on the rise and this means more money in your pocket. Check out our rates at www.CUofGA.org/ products/ rates/share.html. Not only can you deposit new money in an IRA account, but you can also rollover your 401K or 403B for additional benefits.

An IRA is flexible. You decide how and when to make contributions. You might decide to contribute a small amount each month, or to contribute a single lump sum once a year.

• Dividends paid monthly on the average daily balance • Funds insured separately by NCUA to at least $250,000 • Share Certificates with fixed rates and a variety of terms ranging from 3 months to 5 years

There are many advantages to an IRA with your Credit Union:

Even if your IRA contributions are not tax deductible, the earnings on your IRA are tax-deferred*. This tax-deferred benefit combined with the compounding of your IRA contributions will result in additional earnings for your retirement years. Credit Union of Georgia provides multiple options for establishing and diversifying your retirement portfolio. For more information contact Sam Davis, our Financial Service Representative, at 678-322-2241.

• Traditional, Roth, and Educational IRAs available • Perfect supplement to other sources of retirement income • Flexible and convenient contributions through payroll deductions • Tax-deferred dividend earnings for every IRA owner • Contributions may still provide immediate tax benefits • Attractive dividend rates, with a premium rate for deposits in any IRA Share Certificate

*Not intended as tax advice. Please consult your tax advisor for tax deductibility and benefits.

Investment Strategies for Retirees A Message from the MEMBERS FINANCIAL SERVICES If you’re retired, it’s essential to brush-up on investing basics and follow time-tested investing principles. For starters, review your portfolio to make sure it’s adequately diversified. As many retirees found out the hard way from 2000 to 2002, how your money is divided among the different types of savings and investments, and among the categories within these main types, is one of your most important investing decisions. So make it a priority to calculate what percentage of cash, bonds, and stocks you have in your portfolio and set your target asset allocation plan. Your target investment mix depends on your financial goals, estimated life expectancy, overall financial situation, and tax bracket. Importantly,

it also depends on your financial ability to withstand losses and how much risk you need to take to meet your goals. Once you diversify your investments, periodically rebalance your portfolio to maintain your target mix and to lock in your gains. For more information about managing your investments in retirement, please contact Sam Davis, the MEMBERS Financial Services Representative serving the members of Credit Union of Georgia, at 678-322-2241. Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member NASD/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (866) 5126109. Nondeposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financial services program, to make securities available to members. B2MM-0904-66E3

Formerly

Our Mission is YOU! 678-486-1111 1-877-590-6226

www.CUofGA.org

KSU Branch at KSU Center

Marietta Branch

Paulding Branch at Citizens Square

3333 Busbee Drive, Kennesaw, GA 30144

69 South Avenue, Marietta, GA 30060

4075 Marietta Hwy., Dallas, GA 30157

To ensure that the credit union is receiving your correspondence and payments in a timely manner, please make sure you are sending all mail to Credit Union of Georgia at the following address:

Mailing Address: P.O. Box 2148, Woodstock, GA 30188-1357

South Cobb Branch

Towne Lake Branch

3565 Austell Road, 3048 Eagle Drive, Marietta, GA 30008 Woodstock, GA 30189

Log on to www.CUofGA.org and fill out our online Member Satisfaction Survey.

You could win a $25 Visa Gift Card!

Pu

Redeem your COINS for CASH Come in to any of our branches and use the new coin machines, now available for you. This service is FREE for Credit Union of Georgia members.

for the M emb er s of Cre dit Union of G e or b lishe d g

Fall 2007 ia

Great new Offering to Home Banking Users! Introducing eAlerts™! Peace of mind comes a little easier to Home Banking users when you sign up for Credit Union of Georgia’s new eAlerts! Receive up-to-date alerts about your account transactions sent directly to your email address or cell phone the way you want them! Wondering if that check’s cleared? Now you can find out sooner than ever before! Need to know if Return Guard has been used? Find out without a delay! You control how and when you receive the eAlerts of your choice—it’s that simple! In just a few easy steps, you can take advantage of this simple and handy way to have control over your account activity! This fast, convenient service begins in October! Home Banking users can enroll in this FREE service through their eBranch Home Banking account during the month of October. Be on the lookout for updates on our website at www.CUofGA.org.

Ava i l a b l e e A l e r t s ! ™ functions include:

• L o w B a l a n c e • N S F • R e t u r n G u a r d • O v e r d r a w Tr a n s f e r • D i r e c t D e p o s i t • L o w Av a i l a b l e C r e d i t • L o a n Pa y m e n t D u e • M a t u r i n g C e r t i f i c a t e

Your credit card is more than a pretty piece of plastic. It is real money and if you don’t know your interest rate, or terms and conditions, you could be paying more for your credit card than you think. Credit card companies do a great job putting important information about fees and rates in small print. At Credit Union of Georgia we have a Visa Credit Card program that is simple; low rates and easy-to-understand terms and conditions. Why should you switch to a Credit Union of Georgia Visa credit card? • Four Competitive Card Options including Cash Back and Rewards • No Rate Increase or Fees on Cash Advances • No Balance Transfer Fees • 25 Day Grace Period on Purchases • Choice of Fixed or Variable Interest Rates Applying is simple, visit us online at www.CUofGA.org, contact our Mail and Phone Service department at 678-486-1111, or visit any branch location.

IN THIS ISSUE Business Services Available.......................page 2 Win A Free Desktop Computer..................page 3 Finish Your IRA for 2007.............................page 4

Meet Us at the Ball Park for Our Annual Car Sale November 2nd & 3rd Are you in the market for a new or used vehicle? Then meet us at the ball park! Credit Union of Georgia’s Annual Fall Car Sale is coming this November. However, this year you will notice something a little different… we are having a 2 DAY EVENT! To better meet your needs we are holding a 2 day Car Sale event November 2nd from 11am – 7pm and November 3rd from 9am – 2pm. The Car Sale this year will be held in the parking lot next to Turner Field at 755 Hank Aaron Drive, Atlanta, Georgia 30315. While you’re at the Car Sale, don’t miss out on our unbelievable rates as low as 4.99% APR * for up to 36 months. With a rate this low, you can’t afford to miss out. To make buying your next vehicle even easier, please take advantage of our free pre-approval process. Mail, fax, or bring in the enclosed pre-approval form with a copy of your payroll stub to the Credit Union. Or, you can go online to complete and submit your application by visiting www.CUofGA.org. As always, Credit Union of Georgia wants to make your car buying experience a great one. For more information please contact our Auto Buying Service at 678-322-2239. *Annual Percentage Rate. Offer good for purchases up to 100% of NADA Retail on new and used vehicles or MSRP on new vehicles. Rates valid on new and used auto loans and motorcycle loans. Promotional rates start as low as 4.99% APR for up to 36 months. Rates received are dependent upon credit history. Programs, Rates, and Terms are subject to change without notice. Subject to credit approval.

4

Tell Us How We’re Doing!

Deposit Rates are Up, Finish Your IRA for 2007 As 2007 begins to come to a close, have you made your allotted contributions to your IRA for the year? The contribution limit for the year 2007 for both Traditional and Roth IRAs is $4,000 if you are under the age of 50. However, if you’re 50 or over, you may make an additional $1,000 contribution, which means you can contribute $5,000 total to your IRA in 2007.* Now is the time to complete your IRA contributions for 2007 and put these deposits in your Credit Union. Rates are on the rise and this means more money in your pocket. Check out our rates at www.CUofGA.org/ products/ rates/share.html. Not only can you deposit new money in an IRA account, but you can also rollover your 401K or 403B for additional benefits.

An IRA is flexible. You decide how and when to make contributions. You might decide to contribute a small amount each month, or to contribute a single lump sum once a year.

• Dividends paid monthly on the average daily balance • Funds insured separately by NCUA to at least $250,000 • Share Certificates with fixed rates and a variety of terms ranging from 3 months to 5 years

There are many advantages to an IRA with your Credit Union:

Even if your IRA contributions are not tax deductible, the earnings on your IRA are tax-deferred*. This tax-deferred benefit combined with the compounding of your IRA contributions will result in additional earnings for your retirement years. Credit Union of Georgia provides multiple options for establishing and diversifying your retirement portfolio. For more information contact Sam Davis, our Financial Service Representative, at 678-322-2241.

• Traditional, Roth, and Educational IRAs available • Perfect supplement to other sources of retirement income • Flexible and convenient contributions through payroll deductions • Tax-deferred dividend earnings for every IRA owner • Contributions may still provide immediate tax benefits • Attractive dividend rates, with a premium rate for deposits in any IRA Share Certificate

*Not intended as tax advice. Please consult your tax advisor for tax deductibility and benefits.

Investment Strategies for Retirees A Message from the MEMBERS FINANCIAL SERVICES If you’re retired, it’s essential to brush-up on investing basics and follow time-tested investing principles. For starters, review your portfolio to make sure it’s adequately diversified. As many retirees found out the hard way from 2000 to 2002, how your money is divided among the different types of savings and investments, and among the categories within these main types, is one of your most important investing decisions. So make it a priority to calculate what percentage of cash, bonds, and stocks you have in your portfolio and set your target asset allocation plan. Your target investment mix depends on your financial goals, estimated life expectancy, overall financial situation, and tax bracket. Importantly,

it also depends on your financial ability to withstand losses and how much risk you need to take to meet your goals. Once you diversify your investments, periodically rebalance your portfolio to maintain your target mix and to lock in your gains. For more information about managing your investments in retirement, please contact Sam Davis, the MEMBERS Financial Services Representative serving the members of Credit Union of Georgia, at 678-322-2241. Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member NASD/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (866) 5126109. Nondeposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financial services program, to make securities available to members. B2MM-0904-66E3

Formerly

Our Mission is YOU! 678-486-1111 1-877-590-6226

www.CUofGA.org

KSU Branch at KSU Center

Marietta Branch

Paulding Branch at Citizens Square

3333 Busbee Drive, Kennesaw, GA 30144

69 South Avenue, Marietta, GA 30060

4075 Marietta Hwy., Dallas, GA 30157

To ensure that the credit union is receiving your correspondence and payments in a timely manner, please make sure you are sending all mail to Credit Union of Georgia at the following address:

Mailing Address: P.O. Box 2148, Woodstock, GA 30188-1357

South Cobb Branch

Towne Lake Branch

3565 Austell Road, 3048 Eagle Drive, Marietta, GA 30008 Woodstock, GA 30189

Log on to www.CUofGA.org and fill out our online Member Satisfaction Survey.

You could win a $25 Visa Gift Card!

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Redeem your COINS for CASH Come in to any of our branches and use the new coin machines, now available for you. This service is FREE for Credit Union of Georgia members.

for the M emb er s of Cre dit Union of G e or b lishe d g

Fall 2007 ia

Great new Offering to Home Banking Users! Introducing eAlerts™! Peace of mind comes a little easier to Home Banking users when you sign up for Credit Union of Georgia’s new eAlerts! Receive up-to-date alerts about your account transactions sent directly to your email address or cell phone the way you want them! Wondering if that check’s cleared? Now you can find out sooner than ever before! Need to know if Return Guard has been used? Find out without a delay! You control how and when you receive the eAlerts of your choice—it’s that simple! In just a few easy steps, you can take advantage of this simple and handy way to have control over your account activity! This fast, convenient service begins in October! Home Banking users can enroll in this FREE service through their eBranch Home Banking account during the month of October. Be on the lookout for updates on our website at www.CUofGA.org.

Ava i l a b l e e A l e r t s ! ™ functions include:

• L o w B a l a n c e • N S F • R e t u r n G u a r d • O v e r d r a w Tr a n s f e r • D i r e c t D e p o s i t • L o w Av a i l a b l e C r e d i t • L o a n Pa y m e n t D u e • M a t u r i n g C e r t i f i c a t e

Your credit card is more than a pretty piece of plastic. It is real money and if you don’t know your interest rate, or terms and conditions, you could be paying more for your credit card than you think. Credit card companies do a great job putting important information about fees and rates in small print. At Credit Union of Georgia we have a Visa Credit Card program that is simple; low rates and easy-to-understand terms and conditions. Why should you switch to a Credit Union of Georgia Visa credit card? • Four Competitive Card Options including Cash Back and Rewards • No Rate Increase or Fees on Cash Advances • No Balance Transfer Fees • 25 Day Grace Period on Purchases • Choice of Fixed or Variable Interest Rates Applying is simple, visit us online at www.CUofGA.org, contact our Mail and Phone Service department at 678-486-1111, or visit any branch location.

IN THIS ISSUE Business Services Available.......................page 2 Win A Free Desktop Computer..................page 3 Finish Your IRA for 2007.............................page 4

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Now You Can Purchase Foreign Currency at Your Credit Union Taking a trip? Need foreign currency fast? Credit Union of Georgia wants to make your out-of-country travels more convenient with our new currency exchange services! Need to cash in unused or unwanted foreign currencies? We can help with that too! In as little as 1 to 2 business days, we’ll help you turn your U. S. dollars into one of 105+ foreign currencies - leaving you less time to worry about setbacks, and more time to relax and enjoy your time away! When it comes to traveling out of the country, packing just might be your biggest worry! With three options for delivery - home, office, or a nearby Credit Union of Georgia branch. Credit Union of Georgia is your one-stop shop for foreign currencies, traveler’s cheques, and much, much more!! Beginning October 1, 2007, log-on to www.CUofGA.org, visit one of our convenient locations, or call us at 678-486-1111 for details!

Amendment To Reg CC Affects Georgia Check Holds It was announced in 2004 that the check-processing operations of the Nashville branch office of the Federal Reserve Bank of Atlanta would be transferred to the Atlanta Reserve Bank’s head office. The transfer, however, was delayed due to Hurricane Katrina. The transfer has now proceeded. Effective July 21, 2007, Appendix A of Regulation CC has been amended to delete the reference to the Nashville branch office of the Federal Reserve Bank of Atlanta and reassign the Federal Reserve routing symbols currently listed under that office to the head office of the Federal Reserve Bank of Atlanta. As a result of this change, checks that are drawn on and deposited at financial institutions located in the Nashville and Atlanta check processing regions that currently are non-local checks will become local checks subject to faster availability schedules. Routing numbers that will now become local for Atlanta begin with: 0640, 0641, 0642, 2640, 2641, and 2642. If you have any questions regarding these changes, please contact our MAPS department at 678-486-1111. The

is Now Offering Business Accounts The Credit Union difference is now working for your business. Ready access to capital and financial services is the lifeline of a small business. Unfortunately, affordable, personalized services haven’t always been forthcoming from the larger institutions that dominate the financial services industry these days. That’s where Credit Union of Georgia comes in. With our new line of high-value business services, we’re able to offer your business the same low rates when you borrow, and high rates when you save as we’ve offered our members for over 45 years. Along with this, you’ll still receive the same great service you’ve come to expect from Credit Union of Georgia. We’re owned by our members to serve our members, so naturally we do things a little differently. Since we’re a not-for-profit cooperative, we are able to turn our “profits” back into benefits for our members. Some of the many Business Account services Credit Union of Georgia now offers include Checking and Savings options, Secured and Unsecured Lines of Credit, Term Loans, Commercial Real Estate Loans, Business Visa Credit Cards, and much more. To learn more on how Credit Union of Georgia can help your business, contact our MAPS (Mail and Phone Service) department at 678-486-1111 or visit any branch location.

Win 1 of 3 Free Desktop Computers Just Sign-Up for eStatements!

How to access your eStatement

Receive your monthly statement electronically every month. You can view your statements online at your convenience completely free of charge. With eStatements you can view online images of your posted checks; which are linked to your monthly statement and can be accessed simply by clicking on the check number. eStatements begin accumulating up to 18 months of statements once you sign-up. Plus, you do not have to worry about filing your paper statement every month, because now your monthly statement will be filed online safely and securely.

The first business day of the month, you will receive an email notification informing you that your eStatement is available for viewing. You will sign-in to our eBranch as usual and click on the option in the left column that reads “eStatement.” Then click on the drop down menu that reads “eStatement.” This will take you to a screen where you can access your monthly statement.

How to Sign–up for eStatements Once you sign into our eBranch site, there is a column on the left with many options. Click on the option that reads “eStatement.” This will give you a drop down menu with two choices: eStatement Preferences or eStatement.” Choose “eStatement Preferences.” This will take you to a webpage titled “eStatement Preferences.” Click on the drop down menu to choose “eStatement Enabled.” Then, type in the email address where you would like for your eStatement notification to be sent each month. Click “Continue” and you will begin receiving a monthly email informing you that your eStatement is available.

Once you have registered to begin receiving eStatements you will be entered into a drawing to win one of three desktop computers that will be given away between now and December 31, 2007. Already signed up for eStatements? Members enrolled in eStatements by June 30, 2007 and continue to stay enrolled in eStatements through June 30, 2008 will be entered in a drawing to win a FREE desktop computer! For assistance in enrolling in eStatements contact our MAPS (Mail and Phone Service) department at 678-486-1111, or visit any branch location. * Employees and officials and their immediate family are not eligible. To qualify, members must be registering for eStatements for the first time. Limit one entry per account number. Promotional period runs July 1, 2007 – December 31, 2007. Members who enroll in eStatements during the promotional period will be entered in a drawing to win a desktop computer; drawings will take place August 31, 2007, October 31, 2007, and December 31, 2007. Members will be notified via phone.

Library Donations Made to New Schools Cherokee County Schools opened a new Elementary School this year in the Canton area. Pictured to the left (from left to right) is Dr. Georgann Toop, Principal of Avery Elementary School, along with Ms. Jennifer Blakey, Media Specialist accepting a donation of $500 and a plaque for the Media Center from Business Development Representative Kathy Bouyett.

Paulding County Schools opened several new schools this year. Pictured to the right (from left to right) is Business Development Representative Jennifer Kamin presenting Ms. Gail Davis, Principal of McClure Middle School, and Ms. Rhonda Boggs, Media Specialist with a plaque and $500 donation for McClure’s new Media Center.

* Daily Specials*

Your loan, your choice!

Looking to purchase or refinance an auto, ATV, boat, motorcycle, or RV? Choosing a loan option has never been easier! Let Credit Union of Georgia help you personalize your next auto buying experience with our Loan Menu Daily Specials! Stop by one of our five branches today to take advantage of rates starting as low as 4.99% APR* for up to 36 months! Don’t forget to add a side of one of your great Credit Union services such as 90-day payment deferment, or one of our valuable warranties and more! But hurry… ...this special ends November 15th! *Annual Percentage Rate. Offer good for purchases up to 100% of NADA Retail on new and used vehicles or MSRP on new vehicles. Rates valid on new and used auto loans, motorcycle loans, ATV loans, boat loans, and RV loans. Promotional rates start as low as 4.99% APR for up to 36 months. Rates received are dependent upon credit history. Programs, Rates, and Terms are subject to change without notice. Subject to credit approval.

The

Fall 2007

LOAN MENU

Fall 2007