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					                isi      on, Our Goal, Our Pro
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      Is a Home Improvement
       Project in Your Future?
Now that winter is over, many homeowners’ thoughts turn to home
improvement. Patios, decks, terraces, porches, and swimming pools are tops
on the list in anticipation of warmer temperatures and the opportunity to
spend more time outdoors.
Before you start calling contractors, a smart move would be to visit your credit
union first and let us help you explore the many options for financing your
home improvement project. If you have one definite project in mind, perhaps
a one-time, closed-end home improvement loan is the answer. You get one
amount, and you know exactly when the loan will be paid off.
If you’d like to keep your options more open and improve as you go along,
perhaps an open-ended line of credit is the better solution. With this option,
you access your funds when you want them and in the amount you want (up
to the limit established in your account). As you pay back the loan, the funds
are once again made available to you if you need them. There is no need to
By using the equity in your home to secure the loan, the interest you pay is, in
most cases, tax deductible. (Check with your tax advisor on the deductibility
of interest on home equity loans.)
Don’t let unfulfilled home improvement dreams dampen your summer
recreation and cut short the great times you can spend with your family and
friends. Stop by or call your credit union today, and let us help make those
dreams a reality with a home improvement loan.

                                                                                   Car Shopping?
                                                                                   See Your CU First!
                                                                                   Spring is in the air, and the open road beckons. If
                                                                                   you are headed toward the car dealer lot or scanning
                                                                                   the vehicle classifieds in search of a spring fever cure,
                                                                                   make your first stop the credit union. Whether you
                                                                                   are buying a new vehicle – or just new to you –
                                                                                   arranging your financing ahead of time at the
                                                                                   credit union is the smart way to shop. So,
                                                                                   when you first speak with a salesperson,
                                                                                   never relate that you plan to
                                                                                   finance the vehicle yourself. If
                                                                                   you do, the dealership may quote a high
                                                                                   sticker price to make up for its lost profit on
                                                                                   the financing. But with your preapproved loan
                                                                                   from the credit union in your back pocket, you can
                                                                                   concentrate on getting the right car at the right price.
Your Privacy Notice
   MembersFirst Credit Union is committed to the privacy of our members. Under federal
law, we are required to provide you with a privacy notice. It describes our credit union’s
privacy policy and practices regarding the personal information we collect and disclose           Congratulations to
about our members. It also includes information about the parties who receive personal and        our two CU Succeed
sometimes nonpublic information from us as we conduct the business of the credit union.           scholarship winners:                       Office Locations
We do not sell your personal information to anyone.                                               Melesia Knight of DeKalb
   If after reading this notice you still have questions, please contact us at:                                                              Cobb County
             Member Services
                                                                                                  Technical College
             MembersFirst Credit Union                                                            and Sabrina Bridges of Georgia State       WellStar Cobb Hospital
                                                                                                  University.                                3950 Austell Rd.
             P.O. Box 33189
                                                                                                                                             Austell, GA 30106
             Decatur, GA 30033-0189
                                                                                                            Did you know the CU insures      Phone: (770) 732-3603
   OR        (404) 978-0080
                                                                                                                                             Fax: (770) 732-7339
                                                                                                            funds according to account
Information We Collect and Disclose About You
We collect nonpublic information about you from the following sources:                                      number, allowing each of your    WellStar Kennestone Hospital
                                                                                                            accounts to be insured up to     675 Campbell Hill Rd.
• Information we receive from you on applications and other forms
                                                                                                                                             Marietta, GA 30060
• Information about your transactions with us or others                                           $100,000? Just another great reason to
                                                                                                                                             Phone: (770) 793-7110
• Information we receive from a consumer reporting agency                                         bring your money to the credit union!      Fax: (770) 793-7960
• Information obtained when verifying the information you provide on an application
or other forms. This may be obtained from your current or past employers or from other            Notice of Fee Change
financial institutions where you conduct financial transactions.                                                                               DeKalb County
                                                                                                  Effective Thursday, May 31, 2007,
Disclosure of Information to Parties That Provide Services to Us                                  accounts will be classified as inactive     North DeKalb Mall
   In order for us to conduct the business of the credit union, we may disclose all the                                                      2050 Lawrenceville Hwy.
information we collect, as described above, to companies that perform marketing services
                                                                                                  after 12 months of NO DEPOSITS or          Ste. C-40
on our behalf or to other financial institutions with whom we have joint marketing                 WITHDRAWALS. A fee of $5.00 will           Decatur, GA 30033
agreements so that we may provide competitive products and services. We may also                  be assessed against these accounts each    Phone: (404) 978-0080
disclose nonpublic personal information about you, as permitted by law. These disclosures                                                    Fax: (404) 978-0095
typically include information to process transactions on your behalf, conduct the operations
                                                                                                                                             DeKalb Medical Center
of our credit union, follow your instructions as you authorize or protect the security of our
                                                                                                                                             2701 North Decatur Rd.
financial records.
                                                                                                                                             Decatur, GA 30033
   To protect our members’ privacy, we only work with companies that agree to maintain
                                                                                                                                             Phone: (404) 501-5644
strong confidentiality protections and limit the use of information we provide. We do not
                                                                                                                                             Fax: (404) 501-5946
permit these companies to sell to other third parties the information we provide.

Disclosure of Information About Former Members                                                                                               Douglas County
   If you terminate your membership with MembersFirst Credit Union, we will not share
                                                                                                                                             7421 Douglas Blvd., Ste. D
information we have collected about you, except as may be permitted by law.
                                                                                                                                             Douglasville, GA 30135
How We Protect Your Information                                                                                                              Phone: (770) 920-1221
   We restrict access to nonpublic personal information about you to those employees                                                         Fax: (770) 577-7277
who need to know that information to provide products or services to you. We maintain
physical, electronic and procedural safeguards to guard your nonpublic personal                                                              Fulton County
                                                                                                                                             South Fulton Medical Center
What Can You Do to Help Protect Your Privacy?                                                                                                1170 Cleveland Ave.
   The credit union is committed to protecting the privacy of members. Members can help                                                      East Point, GA 30344
by following these simple guidelines:                                                                                                        Phone: (404) 466-1970
• Protect your account numbers, card numbers, personal identification numbers (PINs) and                                                      Fax: (404) 466-1972
passwords. Never keep your PIN with your debit or credit card, which can provide free            Annual Meeting Update
access to your accounts if your card is lost or stolen.                                                                                      Paulding County
• Use caution when disclosing your account numbers, social security number and other             The annual meeting of the members of
personal information to other persons. If someone calls you, explains the call is on behalf of                                               4215 Jimmy Lee Smith Pkwy.
the credit union and asks you for your account number, you should beware. Official credit         MembersFirst Credit Union was held on       Ste. 9
union staff will have access to your information and will not need to ask for it.                Tuesday, February 13 at 3:30 p.m. The new   Hiram, GA 30141
• Keep your information with us current. It is important that we have current information on                                                 Phone: (770) 222-7778
                                                                                                 volunteer board of directors for 2007 is:
how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an                                                  Fax: (770) 222-9963
account, we will attempt to contact you immediately. If your address or phone number at
home or work changes, please let us know.                                                                   Chairman:     Joe Van Horn       Loan Express
   If you have questions concerning this notice, please do not hesitate to call us at
                                                                                                       Vice Chairman:     Ricky Clemmons     24-Hour Lending Service
                                                                                                             Treasurer:   Jack Hague         (800) 648-0259
(404) 978-0080. We are here to serve you.
                                                                                                   Assistant Treasurer:   Lloyd Rucker
                                                                                                             Secretary:   Jennifer Salmon    Audio Response Line
                                                                                                                                             (404) 978-0089
                                                                               We’ll be            Assistant Secretary:   Nancy Ward
                                                                               closed that
                                                                               day!                                                          Web Site
            Hiram Branch                                                                                    Billy Reid    David Ciganek
    The Hiram branch hosted the Paulding          Memorial Day – Saturday, May 26                      David Makkers      Donna Lewellyn
 County Chamber of Commerce after hours
 on Tuesday, Feb 20. Representatives from                 and Monday, May 28                           Don Neunaber       Joelle Griffith
 many local businesses in the area were in        Independence Day                                    Lee Underwood       Nancy Lawson
 attendance.                                              – Wednesday, July 4                             Willie Drain

First Forum is a newsletter published quarterly by MembersFirst Credit Union.

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