Teller dd by jolinmilioncherie


									Our Family
Helping Yours


                                            Teller                                                                                         The
                                                                                                                                              THIRD QUARTER, JULY 2005


                          A Note from                                                                                                 With interest rates expected to
                          the President                                                                                               climb, now’s the perfect time to
                                             Don’t miss HOT deals on the                                                              borrow the money you need for
                                                                                                                                      that home remodeling project,
                                             loans you need!                                                                          new car or boat, summer vaca-
                          Arthur D. Field                                                                                             tion or other purchase. Find our
                          President & CEO                                                                                             lowest “Sizzling Summer” rates
                                                                                                New & Used                            on these popular loans!
                                                                                                Auto Loans
   Imagine someone using your
   name, address, Social Security
                                                                                2001–2005 MODELS, 36 MONTHS, AS LOW AS
                                                                                                                                               New & Used Boats/
   number, passwords, account                                                                                                                   Campers/Cycles
   numbers or other vital infor-                                                                                                           2001–2005 MODELS, 36 MONTHS, AS LOW AS

   mation to raid your checking
   account, take out loans in your                                                                              APR*

   name or obtain credit cards,                    All-Purpose
   even get a driver’s license.                  Signature Loans                                                                                               APR*
   These thieves can do damage
   to your financial history and
                                               36 MONTHS, AS LOW AS                                           Fixed-Rate
   personal reputation that can                                                                            Home Equity Loans
   take years to repair.                                                                                      60 MONTHS, AS LOW AS

   In fact, the Federal Trade Com-
   mission estimates it costs more
   than $1,000 for an individual to
   clean up the mess caused by                                       Home Equity                                                    APR*
   having their identity stolen. With
   700,000 new victims every year,
                                                                    Lines of Credit
                                                             6-MONTH INTRODUCTORY RATE
   identity theft is one of the fastest                                                                                               In addition to low rates, you’ll
   growing crimes in America.                                                                                                         find plenty of options, flexible
                                                                                                                                      terms, fast/local decisions and,
   That’s why I wanted to take this                                                                                                   of course, that friendly/per-
   time to discuss the problem.                                                                                                       sonal service you expect from
   Because I believe, the best way                                                      APR*                                          your Credit Union. For the hot-
   for you to protect yourself is                                                                                                     test deals of the season, apply
   to have as much knowledge as                                                                                                       today. Use the application in
                                            *APR = Annual Percentage Rate. Certain relationships are required to receive pro-         this newsletter, call loans by
   possible on how these thieves             motional rate. Your rate may vary from the promotional rate and will be determined
                                                                                                                                      phone: 888-936-8402, option
                                             by your credit history. Rates may differ for longer terms. Approval subject to our
   operate and what you can do               credit granting terms and conditions. Membership eligibility required. All rates and     3, visit or apply
                                             offerings subject to change or termination without notice. We do business in accor-
   to stop them.               continued     dance with the Fair Housing Law and the Equal Opportunity Act. Member NCUA.              in person at any branch.                                                                                                                                 Better. Proving It.
A Note from the President
continued from front page                           (pronounced fishing), where thieves                 Heritage and other area credit unions
Skilled identity thieves obtain your                use e-mails or phone calls to “fish”                have teamed up to offer helpful infor-
personal information in many ways.                  for your information. You’ll receive an             mation on what you can do to minimize
They may rummage through your                       e-mail or call that appears to come                 your risk. An ad featuring the 10 steps
trash or raid your mailbox looking for              from a reputable financial institution,             you can take to protect yourself is pre-
statements, credit card solicitations               credit card company or some other                   sented in this issue of The Teller. This
or tax information. They may attempt                official organization. It warns of a seri-          ad is also appearing in local newspa-
to steal credit and debit card num-                 ous problem with your account that                  pers and on our Web sites. Take time to
bers from receipts, by stealing your                requires immediate attention. A link                familiarize yourself with its content.
wallet or purse, or through a process               serves as a gateway to a fraudulent
                                                                                                        As with any crime, you cannot com-
called skimming (capturing magnetic                 Web site where you are asked to pro-
                                                                                                        pletely control whether you will become
strip data with a small hand-held                   vide sensitive information. These sites
                                                                                                        a victim. But you can minimize your risk
device). They may scam information                  are designed to look exactly like the
                                                                                                        by managing your personal information
by posing as your landlord, a legiti-               real thing. And individuals who call
                                                                                                        cautiously and with heightened sensitiv-
mate businessperson or government                   can be very convincing.
                                                                                                        ity. If you think you have been a victim
official. Or they might even complete
                                                    It’s estimated that 2–5% of individuals             of identity theft, call us immediately.
a “change of address” form to divert
                                                    contacted will provide personal infor-              You can also learn more by visiting
your mail to them.
                                                    mation. And more and more of our          ,
One of the most popular techniques                  members are reporting incidents and                 idtheft, or
is an e-mail scam called “phishing”                 some have even fallen victim. First                 idtheft.html for other useful information.

       Protect Yourself Against Identity Theft
        Helpful Information From Your Local Credit Unions                                               Useful Web sites
        More and more news reports are revealing how criminals are busy                       
        developing new scams to target unsuspecting individuals. The best                     
        way to protect yourself against fraud is to be an educated consumer.                  

             1. Secure personal information in your home, especially if       6. Ask for information regarding security procedures in
                you have roommates, employ outside help or are having            your workplace or at businesses, doctor’s offices or other
                service work done.                                               institutions that collect personally identifying information
                                                                                 from you.
             2. Don’t carry your Social Security number; leave it in a
                secure place.                                                 7. Give your Social Security number only when absolutely
                                                                                 necessary. Ask to use other types of identifiers when
             3. Guard your mail and trash from theft: Deposit outgoing
                mail in post office collection boxes rather than in an
                unsecured mailbox. Promptly remove mail from your             8. Pay attention to your billing cycles. Follow up with
                mailbox. If you’re planning to be away from home, call           creditors if your bills don’t arrive on time.
                the U.S. Postal Service to request a vacation hold. Shred
                                                                              9. Be wary of scams. Identity thieves may use phony offers
                your charge receipts, credit applications, insurance forms,
                                                                                 to get you to give them your personal information. Your
                physician statements, checks and bank statements, expired
                                                                                 financial institution will never call or e-mail to ask you
                charge cards and credit offers you get in the mail.
                                                                                 for personal information.
             4. Carry only the identification, credit and debit cards that
                                                                              10. Keep your purse or wallet in a safe place at work, as
                you actually need.
                                                                                  well as any copies you may keep of administrative forms
             5. Protect your credit card, bank and phone accounts with            that contain sensitive personal information.
Members donate over
$1,000 to area hospitals

Thanks to the generosity of our mem-
bers and this year’s mascot, “Jesse,”
a soft and irresistible foot-high giraffe,
we raised $1,050 for kids in area hospi-
tals. Members purchased the collectible
stuffed animal for $5 each with money
going to help make the hospital stays of                                                                                      First Heritage Business Development Officer,
                                                                                                                              Myron Crispino (right), presents check to
area children a little more tolerable. It’s                                                                                   Christine Chapman, Director of Auxiliary Services
part of the New York State Credit Union                                                                                       and Fund Development for Corning Hospital.
League’s annual Credit Unions Care for
                                                                    Toni Grabowski, Wellsboro Branch Manager (left)
Kids community fund-raising program.                             presents check to Sandra Pecynski (pediatric nurse),
                                                                      and Jan Fisher (President/CEO) of Soldiers and
This year, Corning Hospital, St. Joseph’s                                                  Sailors Memorial Hospital.
Hospital and Soldiers and Sailors Memo-
rial Hospital in Wellsboro each received
$350 from the effort.
We thank those members who helped make
this year’s fundraiser a success. It’s just anoth-
er example of the credit union philosophy
in action, “America’s Credit Unions—where
people are worth more than money.”                                                                                            Lindsay Rotsell, First Heritage Marketing Analyst
                                                                                                                              (center) presents check to St. Joseph’s Hospital
                                                                                                                              representatives (left to right) Toni Shields, Carol
                                                                                                                              Fallon, Bernadette Rugiero and Laura Frisbie.

  1 After hours call                 2 Apply via our                    3 Complete the loan               4 Complete the loan application below and mail to First
  Loans By Phone at                  Web site by entering              application below and              Heritage Federal Credit Union, 110 Village Square, Suite 101,
  888-936-8402, Option 3                        fax to 607-936-3808                Painted Post, NY 14870, or take to your nearest branch office

                                                                                                                                                 Loan amount requested

     Convenient Loan Application

  Applicant                                                              Date of birth                         Social Security Number            Phone

  Address                                                                                                                                        No. of years at residence

  Place of employment                                                                                          No. of years employed             Gross monthly income

  Co-applicant (if any)                                                  Date of birth                         Social Security Number            Phone

  Place of employment                                                                                          No. of years employed             Gross monthly income

  Other income/source (Alimony, child support, or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation.)

  Mortgage/Rent payment              Mortgage holder/Landlord

  I/We certify everything I/we have stated in this application and on any attachments is           Applicant                                                        Date
  correct. You may keep this application whether or not it is approved, and I/we authorize
  you to share this application with any of your affiliates, for the purpose of determining        X
  whether I/we might qualify for other products you or those affiliates offer. I/We authorize
  you to check my/our credit and employment history and to answer questions others may             Co-applicant                                                     Date
  ask you about my/our credit record with you. I/We understand that I/we must update
  credit information at your request if my/our financial condition changes.                        X
Ninth boom! Good Grade Recognition
Winner Named

Joshulin Sommer of Cameron, NY               The boom! program features a variety
received a $50 gift certificate for earn-    of products and services designed
ing excellent grades on her report card.     to help students 13–19 years old learn
She is our ninth winner in this program      to save money, prepare for financial
which recognizes outstanding students        responsibilities beyond high school
by drawing a winning report card from        and understand the basics of money
those submitted.                             management. To find out more, call
                                             607-936-4667, (toll free) 800-833-3338,
                                             or stop by any branch and ask for a                 boom! winner
                                             free boom! brochure.                                Joshulin Sommer

Privacy policy
First Heritage is committed to your          The information that we collect            Nonpublic personal information
privacy. In fact, protecting personal        We collect nonpublic personal infor-       and former members
information and using it in a manner         mation about you from the following        We do not disclose nonpublic personal
consistent with your expectations is         sources:                                   information about former members,
a high priority. As a result, we stand                                                  except as permitted by law.
                                             • Information we receive from you on
behind the following privacy policy:           applications or other forms              Authorized sharing—
Notice of your financial                                                                joint marketing
                                             • Information about your transactions      We may disclose the following informa-
privacy rights
                                               with us                                  tion to other financial institutions with
We, our, and us, when used in this
notice, mean First Heritage Federal          • Information about your transactions      whom we have joint marketing agree-
Credit Union. This is our privacy notice       with nonaffiliated third parties         ments:
for our members. When we use the                                                        • Nonpublic personal information we
                                             • Information from a consumer report-
words “you” and “your,” we mean the                                                       receive from you on an application or
                                               ing agency
following types of members:                                                               other forms, such as:
                                             The confidentiality, security,               • Name
• All of our consumer members who            and integrity of your nonpublic
  have a continuing relationship with                                                     • Address
                                             personal information
  us, such as:                               We restrict access to nonpublic personal   You do not have a right to opt out of
  • Deposit account                          information about you to those employ-     the disclosure of this information.
  • Loan account                             ees who need to know that information      Exceptions:
  • Credit card                              to provide products or services to you.
  • Self-directed Individual Retirement      We maintain physical, electronic and       • We do not share this information
    Account where we act as custodian        procedural safeguards that comply with       about members who reside in
    or trustee                               federal regulations to guard your non-       Alabama, Alaska, Idaho, North
                                             public personal information.                 Dakota, or Vermont.
We will tell you the sources for non-
                                             Nonpublic personal information             • We do not share any information
public personal information we collect
                                             and other parties                            derived from deposit (share) relation-
on our members. We will tell you what
                                             We do not disclose your nonpublic            ships with us about members who
measures we take to secure that infor-
                                             personal information to anyone, except       reside in Massachusetts, Mississippi, or
mation. We first define some terms:
                                             as permitted by law                          New Jersey.
Nonpublic personal information means         or as disclosed                            Types of Businesses
information about you that we collect        in this disclosure.                        Here are the types of businesses with
in connection with providing a financial
                                                                                        whom we may disclose nonpublic per-
product or service to you. Nonpublic
                                                                                        sonal information under this section:
personal information does not include                                                   • Financial service providers, such as:
information that is available from pub-                                                   • Insurance agents
lic sources, such as telephone directories                                                • Financial service companies
or government records. An affiliate is
a company we own or control. A non-
affiliated third party is a company that
is not an affiliate of ours.
                                                                                 Member’s Advantage—

NYS Credit Union League                                                          Auto & homeowners
recognizes First Heritage with                                                   insurance for First
special awards                                                                   Heritage members

First Heritage was recognized for its leadership in                              Did you know that when insuring your
youth financial education and overall marketing at the                           home, there are a few key items to
New York State Credit Union League’s Annual Meeting                              keep in mind? Insurance companies
& Convention, held recently in New York City.                                    take external factors into consider-
                                                                                 ation. I am defining external factors as
We received the Desjardins Youth Financial Education                             other than your
Award from the New York Credit Union Foundation                                  home. The two
for our products and educational programs aimed at                               biggest factors
youth, and a first-place marketing award from the New                            are trampolines
York State Credit Union League for effectively serving                           and dogs.
all segments of our membership.
                                                                                 Trampolines are
Named after Alphonse Desjardins (1854–1920), who                                 a lot of fun, and
was instrumental in forming the Canadian and U.S.                                great exercise.
credit union movements and in-school “banks” known                               However, if you
as caisses scolaires, the Desjardins Award recognizes achievement in youth       have a tram-
financial literacy. First Heritage was commended for our youth programs          poline in your yard, most insurance
including Looney Tunes Savings Club for kids 12 and younger and boom!            companies will cancel your insurance if
Money & Stuff for students ages 13–19. The boom! program also includes           they know about it. How will they find
a good grade recognition component where students have a chance to win           out? Most companies will do a routine
$50 gift certificates when they submit excellent report cards to the Credit      external inspection of your home every
Union. (Meet our ninth good grade recognition winner in this issue.)             3 to 5 years.
Throughout the year, we’ve also visited area high schools with in-class finan-   Dogs are great
cial education presentations. To date, over 800 high school students have        companions.
been exposed to valuable real-world lessons in fiscal responsibility and         If your dog is
money management.                                                                considered a
The first-place marketing award was given for our comprehensive market-          dangerous
ing programs aimed at serving all of you. Among the programs considered          breed, most
in the award were our service packages for seniors and youth, our deep           companies will
involvement (individual staff and the Credit Union as a whole) in community      not insure you.
service activities, our presentations to various employee groups and our         Your dog may
overall marketing communications efforts.                                        be very sweet and harm-
                                                                                 less, but insurance companies have a
                                                                                 different perspective. Some companies
                                                                                 have a list of prohibited dogs that they
                                                                                 will not insure. Some don’t have a list;
                                                                                 they take into consideration each dog
                                                                                 individually. You should discuss this
                                                                                 issue with your agent. After all, you
                                                                                 don’t want to become emotionally
                                                                                 attached and then discover that you
                                                                                 cannot find insurance for your home.
                                                                                 For more information or a price quote,
                                                                                 contact John Fowler at (607) 936-4642
                                                                                 or at
                                                                                 Insurance products offered through Corning & Painted
                                                                                 Post Agency, Inc., a division of Swan & Sons-Morss
                                                                                 Co., Inc.
 Online Statements now available                                                                                                 Main Office
                                                                                                                                 110 Village Square, Suite 101, Painted Post,
 How would you like to reduce the clutter in your mailbox while saving                                                           NY 14870 607-936-4667 or 800-833-3338
 some trees? Now you can save time and conveniently access your                                                                  SMART Line: 888-936-8402
                                                                                                                                 Web site:
 financial statements online, whenever you want, instantly. And since
 you will no longer receive a paper statement, you will also be helping                                                          Lobby Hours:
                                                                                                                                 Mon.–Wed. ................. 8:30 a.m.–4:30 p.m.
 our environment. To take advantage of this free service, simply go to
                                                                                                                                 Thurs.–Fri. ................... 8:30 a.m.–5:00 p.m., log in to Internet Banking, select “Account Access,”                                                             Saturday .................... 9:00 a.m.–12:00 p.m.
 then “Online Statements.” Read and agree to the disclosure, and your
                                                                                                                                 Drive-Up Hours:
 future statements will then be delivered online. This feature is available                                                      Mon.–Wed.................... 8:00 a.m.–4:30 p.m.
 to you round-the-clock and is just another way we help you manage                                                               Thurs.–Fri. .................... 8:00 a.m.–5:30 p.m.
 your financial information. Simply. Conveniently. Securely.                                                                     Saturday ..................... 9:00 a.m.–12:00 p.m.

                                                                                                                                 24-hour ATM

                                                                                                                                 Branch Locations
“Millionaires for the Day”                                                                                                       Addison
                                                                                                                                 58 Main Street, Addison, NY 14801
 Becca McConnell and Alecia Labar each won one-day’s interest on one                                                             607-359-2275
 million dollars for coming closest to guessing the number of pennies in jars                                                    Mon.–Wed. ................. 8:30 a.m.–4:30 p.m.
 displayed in our branches. It was one of the fun activities that made up                                                        Thurs.–Fri. ................... 8:30 a.m.–5:00 p.m.
 National Credit Union Youth Week last April. So how much do these lucky
 members win? Well interest on $1,000,000 at today’s share savings rate is                                                       23 West Market Street, Suite 102,
 $32.87. For the record, there were 1,935 pennies ($19.35) in each jar.                                                          Corning, NY 14830 607-962-4691

                                                                                                                                 Mon.–Fri. ..................... 8:30 a.m.–4:30 p.m.

 Dinner & A Movie!                                                                                                               Elmira
                                                                                                                                 1100 Clemens Center Parkway,
                                                                                                                                 Elmira, NY 14901 607-734-0231
 We thank members who opened new accounts and completed the
                                                                                                                                 Mon.–Wed.................... 9:00 a.m.–4:30 p.m.
 Credit Union’s member satisfaction survey. The survey asked members to                                                          Thurs.–Fri. .................... 9:00 a.m.–5:00 p.m.
 share their opinion on the service they received when they opened their
                                                                                                                                 ATM—open daily 6 a.m. to midnight
 account. A brief questionnaire measured speed of service, friendliness,
 if services were explained properly and overall satisfaction. A monthly                                                         St. Joseph’s Hospital
 drawing is held from completed questionnaires with the prize: dinner and                                                        Elmira Medical Arts Center, Suite 101,
                                                                                                                                 Elmira, NY 14901 607-733-3044
 a movie. Richard Walrath was our April winner. Joseph Button, May.
                                                                                                                                 Mon., Wed.–Fri. ........... 8:30 a.m.–4:00 p.m.
                                                                                                                                 (Paydays) ...................... 7:30 a.m.–4:00 p.m.
                                                                                                                                 Tuesday ............................................. Closed
 Holiday Closings
 Independence Day: Saturday & Monday, July 2 & 4 — All Offices Closed                                                            17 East Avenue, Wellsboro, PA 16901
 Labor Day: Saturday & Monday, September 3 & 5 — All Offices Closed
                                                                                                                                 Lobby Hours:
                                                                                                                                 Mon.–Wed. ................. 8:30 a.m.–4:30 p.m.
                                                                                                                                 Thurs.–Fri. .................... 8:30 a.m.–5:30 p.m.

                                                                                                                                 Drive-Up Hours:
                                                                                                                                 Mon.–Wed.................... 8:00 a.m.–4:30 p.m.

           Our Mission                                            Our Vision                                                     Thurs.–Fri. .................... 8:00 a.m.–5:30 p.m.
                                                                                                                                 Saturday ..................... 9:00 a.m.–12:00 p.m.
           “Our Family Helping Yours”                             Is to be the financial institution of                          24-hour ATM
           by effectively improving the                           choice by being the most trusted
           financial well-being and lives                                                                                        Board of Directors
                                                                  and respected financial leader in                              Robert Hunt .................................. Chairman
           of our members.                                        the communities we serve.                                      Robert Blair ........................... Vice-Chairman
                                                                                                                                 Kay Houghtaling............................ Secretary
                                                                                                                                 Sal Princiotto ..................................Treasurer
                                                                                                                                 William Elias
                                                                                                                                 George McNally
                                                                                                                                 Jeff Methven
                                                                                                                                 Richard Quigley
                                                                                                                                 Mary Ann Thomas

                                                                                                                                 Supervisory Committee
                                                                                                                                 Jennifer Togni ........................... Chairperson
                                                                                                                                 Sharon Abbott ................................Secretary
                                                                                                                                 Elizabeth Sine
                                                                                                                                 Nora Smith
                                                                                                                                 Susan Williamee
 First Heritage Federal Credit Union, 110 Village Square, Suite 101, Painted Post, NY 14870 Phone 607-936-4667 or 800-833-3338

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