Teller dd First Heritage Federal Credit Union by jolinmilioncherie


									Our Family
Helping Yours
FEDERAL CREDIT UNION                        Teller
                                                                              SECOND QUARTER, APRIL 2005

                         A Note from
                         the President
                                                    and SAVE or EARN…
                         Arthur D. Field,
                         President & CEO
                                                              Save up to a full
                                                              1% off your next loan
                                                              or earn a full 1% more
   Thanks to you, I am able to report                         on your next CD!
   another year of positive growth in
   2004. Assets increased by 12.23%
   to $133.2 million and deposits
   grew by 12.1% to $113.8 million.
                                                          Every Card’s a Winner!
   Loan volume also increased to $79
   million. And our capital-to-asset                          A scratch-off card is included with this
   ratio of 13.38% demonstrates our                           newsletter! Start with a great Credit
   financial strength and soundness.                          Union interest rate. Then scratch off the
   Annually your Supervisory                                  box on the enclosed card to see your
   Committee engages the                                      instant bonus! Each card is good for at
   services of an independent                                 least a quarter percent—and up to a
   Certified Public Accounting                                full one-percent—interest rate bonus.
   firm to audit the Credit Union’s
   financial statements. In 2004,
   the Committee retained the ser-
   vices of Mengel, Metzger, Barr
   and Co., LLP. The audit deter-
   mined the Credit Union’s financial
   statements are a fair and accurate
                                                              Limit one card per loan or share certificate. Offer
   representation of its operations.                          may not be combined with any other promotion or
                                                              discount. Refinance of FHFCU debt requires additional
   Financial performance is also moni-                        new money. Does not apply to home equity line of
   tored by the National Credit Union                         credit loans or credit cards. Approval subject to our
                                                              credit granting terms and conditions. Your loan rate
   Administration (NCUA), which acts
                                                              may vary from the promotional rate and will be deter-
   as both insurer and regulator. Once                        mined by your credit history. For share certificates, a
   again, First Heritage received the                         penalty may be imposed for early withdrawal. FHFCU
                                                              employees are not eligible for loan discount. Limited
   highest possible rating during our
                                                              time offer, may be withdrawn without prior notice.
   annual NCUA examination. continued                         Membership eligibility required.                                                                       Better. Proving It.
A Note from the                             What is Identity Theft?

continued from front page
In 2004, we introduced free online          Every year, some 900,000 people will             • They pose as landlords or employers to
check imaging and check reorder-            have their identities stolen. It’s the fastest     fraudulently obtain your credit report.
ing and welcomed members of the             growing crime in America. Here’s how             • They watch you at an ATM or listen
former NYSC Federal Credit Union            it works:                                          for your personal identification num-
into the First Heritage family. Through                                                        bers when you make a call.
a friendly merger, we gave NYSC             • An identity thief obtains your personal
                                                                                             • They use information from Internet
FCU members access to a wide vari-            information.
ety of new products and services.           • They attempt to and/or succeed in
                                                                                             • They scam you through e-mails by
Identity theft insurance was added to         using it to commit fraud or theft, with-
                                                                                               posing as legitimate businesses and
member’s First Choice Checking and            out your knowledge.
the Credit Union received a first-place     • They take advantage of your good
                                                                                             • They pose as waiters or servers to
marketing award from the New York             credit, leaving behind bad credit and
                                                                                               get your credit card number/expira-
State Credit Union League for out-            problems.
                                                                                               tion date, or capture your card info
standing efforts to effectively serve all   • It can take up to a year to detect a
segments of membership.                                                                        via a small handheld device in order
                                                                                               to make unauthorized purchases.
In addition, the Credit Union has           • You can spend months/years and
initiated a series of ongoing, in-class       thousands of dollars cleaning up the           What to do if you are a victim
financial education presentations. To         mess left behind.                              of identity theft?
date, over 800 high school students         • The problem costs financial institutions
                                              $2.4 billion a year.                           It’s important to act quickly to minimize
have been exposed to valuable real-
                                                                                             damage to your finances and credit
world lessons in fiscal responsibility
                                            How does the identity thief get                  history.
and money management.
                                            your personal information?
In 2005, the Credit Union is planning                                                        • File a report with local police or the
a variety of branch upgrades and            Professional identity thieves are                  police in the community where the
expansions. We will also upgrade our        accomplished at getting your personal              identity theft occurred. Obtain a copy
telephone system and begin offering         information.                                       of the written report as proof for
free online statements. We plan staff                                                          creditors.
                                            • They steal a purse or wallet, or steal
training in several key areas and will                                                       • Close accounts that you suspect
                                              personal information from your trash/
kick off a special boom! newsletter.                                                           have been tampered with or opened
                                              recycling at home or workplace.
boom! is our financial program aimed                                                           fraudulently.
                                            • They steal bank statements, pre-
at students ages 13–19. Another                                                              • Contact FHFCU to put a hold on
                                              approved credit card applications,
major focus will be to continue                                                                stolen checks, VISA Credit and Check
                                              cancelled checks or tax information
promoting First Heritage’s commu-                                                              Cards.
nity charter and ability to serve all         from your mailbox.
                                                                                             • Contact the credit bureaus. Ask that
people who live, work, go to school         • By completing a change of address
                                                                                               a fraud alert be placed on your file:
or maintain a business in Chemung             form, they divert your mail to another
                                                                                               Equifax Credit Information Services,
or Steuben Counties, NY, or Tioga             location.
                                                                                               Inc.: 800-525-6285; Experian Infor-
County, PA. This will include a strong      • They “dumpster dive” for credit card
                                                                                               mation Solutions, Inc.: 888-397-3742
push for new members by promoting             receipts, statements, etc.
                                                                                               and TransUnion: 800-680-7289.
the favorable rates and services the                                                         • Request a credit report and notify the
Credit Union promises.                         Protect Yourself with                           credit bureau of discrepancies.
We have a lot to be thankful for. At           Identity Theft Insurance                      • Call all credit card companies and
the top of our list is a great group of                                                        let them know you are a victim of
members who continue to support                Identity theft insurance is now                 identity theft. Request new cards and
our efforts. Of course, we know this is        included with your First Choice                 account numbers.
a two-way street. To keep your busi-           Checking account. Protect yourself            • Contact the U.S. Postal Service if
ness, we must offer outstanding ser-           with $5,000 in benefits, including              your mail was stolen.
vice, and the best value possible. At          expert assistance 24 hours a day              • Keep a record of all correspondence
First Heritage, we remain committed            and financial compensation for                  with people at credit bureaus, police
to this and to making your life better         specified expenses incurred in the              and financial institutions.
in any way we can. Thank you!                  recovery of your stolen identity.
                                               For more information, contact                 If you think your Social Security number
Arthur D. Field, President & CEO               your nearest branch or log onto               is being used by someone else, contact
                                                                     the Social Security Administration at
First Heritage Celebrates Youth Week                                                                                          Get “Jesse” and help kids

                                                            April 17–23
                                                                                                                              at area hospitals…
                                                                                                                              Just $5 each at any branch!

In recognition of National Credit Union                       Members who open a Looney Tunes                                 First Heritage is pleased to announce we
Youth Week, First Heritage is inviting                        share savings account will get $10                              will once again be raising money for kids
our younger members to stop by any                            deposited into their new account.                               in area hospitals by selling “Jesse,” a soft
branch to celebrate. Snacks and financial                     Looney Tunes is a fun way for chil-                             and irresistible foot-high giraffe. “Jesse”
educational materials such as activity                        dren 12 and under, to learn                                                  will be available at teller win-
books, college savings handbooks and                          to save. Prizes are awarded                                                  dows during the month of
more will be available all week long.                         as they reach certain deposit                                                April, for just $5 each.
There will also be a coloring contest                         levels. Open a boom! Teen
                                                                                                                                               “Jesse” is this year’s mascot
where the first 100 children who bring                        Savings and boom! Teen
                                                                                                                                               for the New York State Credit
in a completed coloring sheet get a fun                       Checking account and
                                                                                                                                               Union League’s annual Credit
and educational gift. All artwork will be                     receive $15 deposited into
                                                                                                                                               Unions Care for Kids com-
exhibited throughout the week. Coloring                       your new account. Along
                                                                                                                                               munity fundraising program.
sheets can be picked up at any branch                         with checking and savings,
                                                                                                                                               Since 1995, the Care for Kids
between April 4th and April 22nd.                             boom! Money & Stuff offers                                                       program has helped make a
                                                              teens 13–19 special share
Two of our youth members will also                                                                                                             difference in the lives of chil-
                                                              certificates paying up to
become “millionaires for a day.” Each                                                                                                          dren in communities through-
                                                              .25% higher than regular
branch will display a jar of pennies and                                                                                                       out New York State.
                                                              share certificates. Members 16 –19
the two who come closest to guess-                            years old are eligible for our ATM/Visa                         Thanks to the generosity of our
ing the number of pennies in the jar                          Check Card and Visa Credit Card with                            members, First Heritage raised $900
earn one day’s interest on $1 million!                        a $250 credit line. And all program                             in cash to help make the hospital stays
(Drawing in case of a tie.) We’ll also                        participants have access to a cool                              of area children a little more tolerable.
be handing out Child ID Kits which                            teen Web site, eligibility in our Good                          Corning Hospital, St.
include a DNA collection envelope, self-                      Grade Recognition drawings and will                             Joseph’s Hospital and
laminating wallet card, fingerprinting kit                    receive our brand new boom! quar-                               Soldiers and Sailors
and more to help keep kids safe and                           terly newsletter.                                               Memorial Hospital
aid police in the event of an emergency.                                                                                      each received $300
(Member eligibility required. Limited                         For more information, visit                                     from the effort.
number of kits, 2 per family.)                       or stop by any branch.

  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
Important Notices for Members
                                                                Eighth Good Grade                                               Main Office
Have You Changed                                                Recognition                                                     110 Village Square, Suite 101, Painted Post,
                                                                                                                                NY 14870 607-936-4667 or 800-833-3338

Your Address?                                                   recipient named                                                 SMART Line: 888-936-8402
                                                                                                                                Web site:

If you’ve moved or changed your mail-                           Megan Glosser of Corning, NY received                           Lobby Hours:
ing address for any reason, please                              a $50 gift certificate for earning excel-                       Mon.–Wed. ................. 8:30 a.m.–4:30 p.m.
                                                                                                                                Thurs.–Fri. ................... 8:30 a.m.–5:00 p.m.
notify us in writing. We can no longer                          lent grades on her report card. She is
                                                                                                                                Saturday .................... 9:00 a.m.–12:00 p.m.
accept an ‘Address Service Requested’                           the eighth Good Grade Recognition
                                                                winner named by First Heritage.                                 Drive-Up Hours:
form from the U.S. Postal Service.                                                                                              Mon.–Wed. .................. 8:00 a.m.–4:30 p.m.
                                                                Megan’s report card was drawn from a                            Thurs.–Fri. .................... 8:00 a.m.–5:30 p.m.
                                                                number of outstanding cards submitted                           Saturday ..................... 9:00 a.m.–12:00 p.m.
Ordering Checks from                                            by student members.                                             24-hour ATM
Outside Check Vendors
                                                                The boom! program features a variety                            Branch Locations
If you order your First Heritage checks                         of products and services designed to                            Addison
                                                                                                                                58 Main Street, Addison, NY 14801
through an outside vendor, you can-                             help students 13–19 years old learn                             607-359-2275
not use check numbers 9000 through                              to save money, prepare for financial
                                                                                                                                Mon.–Wed. ................. 8:30 a.m.–4:30 p.m.
9200. Any series of numbers below                               responsibilities beyond high school
9000 or over 9200 can be used. First                            and understand the basics of money                              Thurs.–Fri. ................... 8:30 a.m.–5:00 p.m.
Heritage reserves this series of check                          management. To find out more, call                              Corning
numbers for its own internal use and                            607-936-4667, (toll free) 800-833-3338,                         23 West Market Street, Suite 102,
                                                                or stop by any branch and ask for a                             Corning, NY 14830 607-962-4691
will not be able to process your check
in this number range. Therefore, those                          free boom! brochure.                                            Mon.–Fri. ..................... 8:30 a.m.–4:30 p.m.
checks will be returned unpaid.                                                                                                 Elmira
                                                                                                                                1100 Clemens Center Parkway,
                                                                                                                                Elmira, NY 14901 607-734-0231
Annual Meeting
                                                                                                                                Mon.–Wed. .................. 9:00 a.m.–4:30 p.m.
Make plans to attend First Heritage’s                                                                                           Thurs.–Fri. .................... 9:00 a.m.–5:00 p.m.

Annual Meeting: Monday, April 18,                                                                                               ATM—open daily 6 a.m. to midnight
5:30 p.m., Main Office, 110 Village                                                                                             St. Joseph’s Hospital
Square, Suite 101, Painted Post, NY.                                                                                            Elmira Medical Arts Center, Suite 101,
The meeting is open to all members.                                                                                             Elmira, NY 14901 607-733-3044

                                                                                                                                Mon., Wed.–Fri. ........... 8:30 a.m.–4:00 p.m.
Holiday Closings                                                                                                                (Paydays) ...................... 7:30 a.m.–4:00 p.m.
                                                                                                                                Tuesday ............................................. Closed

Memorial Day: Sat. & Mon., May 28 & 30 — All offices closed                                                                     Wellsboro
Colonial Days: Sat., June 11 — Painted Post office closed                                                                       17 East Avenue, Wellsboro, PA 16901
Laurel Festival: Sat., June 18 — Wellsboro office closed
Independence Day: Sat. & Mon., July 2 & 4 — 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
                                                                                                                                Board of Directors
          financial well-being and lives                        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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