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Southland Credit Union


  • pg 1
									  Jan-Mar 2010                           Times®

Free Checking That Pays
Now With Rewards Plus Program

Own Your Dream Home
Make It a Reality

Get Financially Fit
It’s Time to Get Your Money Into Shape
this issue                                                                          Call for Nominations
                                                                                    Southland Board of Directors and Supervisory Committee

    Free Checking That Pays
    Now With Rewards Plus Program ........................ 3
                                                                                    Once again it’s time for Southland’s Annual Membership Meeting and
                                                                                    Election. This year’s event will be held at The Embassy Suites Hotel, 8425
                                                                                    Firestone Blvd., Downey, CA, on Thursday, March 25, 2010, at 6:30 p.m.

                                                                                    Members are invited to attend. You will have the opportunity
    Own Your Dream Home                                                             to meet the Board Directors and Credit Union Executives.
    Make It a Reality ......................................................... 5   In addition, we will hold elections for our Board of Directors and
                                                                                    Supervisory Committee, serving as unpaid volunteers.

    Credit Union Membership                                                         The following volunteer official positions are up for election:
    Your Employees Will Thank You for It...................7

                                                                                    Board of Directors
                                                                                    There are two (2) positions up for election. These positions are for a three-
    Get Financially Fit                                                             year term. The candidates receiving the highest and second highest
    It’s Time to Get Your Money Into Shape ......... 10
                                                                                    number of votes, respectively, will be elected to three-year terms.

                                                                                    Supervisory Committee
                                                                                    There is one (1) position up for election. This one (1) position
    Board of Directors                                                              is for a three-year term. The candidate receiving the highest
    Walter Finnigan—Chairman                                                        number of votes will be elected to the three-year term.
    George T. Stobaugh—Vice Chairman
    G. David Mills—Secretary/Treasurer                                              Qualified Members may be nominated by one of two methods: (1)
    Dolores M. Arriola—Director                                                     nomination by the Nominating Committee; or (2) nomination by Petition.
    William de la Garza—Director                                                    A Petition must be signed by 100 Southland Credit Union Members and
    Robert L. Hale—Director
                                                                                    include a statement of qualifications and biographical data. Petitions
    James J. Gregg—Director
                                                                                    must be submitted by February 1, 2010 to the following address:
    Supervisory Committee
                                                                                             Southland Credit Union
    Janice Chiquet—Chairman                                                                  Attn: Nominating Committee
    Annie Nelson—Secretary/Treasurer                                                         P.O. Box 7022
    Morris J. Litwack—Member
                                                                                             Downey, CA 90241-7022
    Southland Times is published by Southland Credit
    Union for its Members. It is designed to promote                                There will be no nominations from the floor. The election will not be
    communication with Members, market products and
    services, and provide reliable and helpful information                          conducted by ballot unless there is more than one nominee for each position.
    that will contribute to each Member’s overall financial
    well-being and quality of life. Southland Times is
    published at Southland Credit Union, 10701 Los Alamitos                         We look forward to seeing you!
    Blvd., Los Alamitos, CA 90720, 800.426.1917. While
    consistent effort is made to ensure the integrity of
    information contained in this publication, material should
    not be considered legal, financial, or professional advice.
    The publishers do not assume liability for loss or damage
    as a result of reliance on this data.

            Southland Times | Jan-Mar 2010
    Thank you Southland Members!
    Toys for Tots Holiday Toy Drive

    The objective of Toys for Tots is to help needy children
    in our community experience the joy of Christmas;
    to play an active role in the development of one
    of our nation’s most valuable natural resources
    - our children; to unite all members of local
    communities in a common cause during the annual
    toy collection and distribution campaign; and to
    contribute to better communities in the future.

    Thanks to the generous toy and monetary donations
    from Members like you, we were able to provide
    toys that helped bring joy to children in need.

Account Access
More ATM Choices                           Access Thousands of Credit
Southland Members have access to over      Union Branches
28,000 FREE ATMs nationwide—that’s         Wherever you are, you can conduct
more FREE ATMs than the largest            financial transactions by visiting a
banking network! Membership                participating credit union branch of
includes not only surcharge-free           the CU Service Centers® Network.
access at 28,000 CO-OP ATMs, it also       Just look for the “swirl” logo or visit
includes 9,000 deposit-taking and          www.SouthlandCU.org to find a CU
5,500 7-Eleven locations throughout        Service Centers location near you.
the U.S. and Canada. CO-OP Network’s
membership also has access to over         CU Service Centers provide access
800,000 ATMs worldwide through links       to over 6,300 branch locations in 48
to NYCE, STAR, Cirrus, Pulse and Plus.     states, 5 countries, and 2 U.S. territories.
                                           In fact, you have over 89 branches
You can even find a CO-OP Network          in LA and Orange counties alone!
surcharge-free ATM when you’re
away from your computer! Text your         Visit www.SouthlandCU.org for details.
location – address, intersection or
zip code – to 692667 (MYCOOP)
from any mobile phone or download
the database of more than 28,000
surcharge-free ATMs directly to your
Garmin, Tom Tom or other GPS device.
                                                                                          Southland Times | Jan-Mar 2010
www.SouthlandCU.org                                                                                                        2925
                                                                                                                                                                                                                                                                              %     APY*

    Free Checking that Pays
    Now with Rewards Plus Program**

W   When does your Checking Account become more than
    just a checkbook? When it’s at Southland! In today’s
    economic environment, we are all looking for ways to earn
    more, spend less, and get the best value for our dollar.
                                                                                                                                                                       Concierge Service
                                                                                                                                                                       Free Companion Airfare
                                                                                                                                                                       $100,000 Common Carrier Life Insurance
                                                                                                                                                                       Cash Rewards
    When you combine Super Checking with our Rewards                                                                                                               -   And so much more!
    Plus Program, you get it all with the ease and convenience
    of using one account. Our new Rewards Plus Program                                                                                                   Southland’s Super Checking Account allows you to save
    is a companion to your Checking Account and gives                                                                                                    money while maximizing your earnings by paying you 1.50%
    you the value and savings you won’t get anywhere                                                                                                     APY when you meet three easy and free requirements! All
    else. One account…One card…All the benefits!                                                                                                         you need to do is have eStatements, make 10 Check Card
                                                                                                                                                         transactions, and make one ePay, direct deposit, or ACH debit
    Super Checking Account benefits include:                                                                                                             or credit per month from the checking account. It’s that easy!
    •  1.50% APY* with no minimum balance requirement
    •  ATM fee reimbursements up to $20 per month                                                                                                        If you don’t already have a Southland Checking Account
    •  Free online banking and unlimited FREE bill pay                                                                                                   then you are missing out. You can stop paying outrageous
    •  Rewards Plus Program                                                                                                                              ATM fees and stop using credit cards to qualify for benefits.
       - Purchase Protection and Extended Warranty                                                                                                       Make your New Year’s Resolution to get financially fit. Make
       - Cash Rebates on Everyday Purchases                                                                                                              the switch to Super Checking with Rewards Plus today.
    Membership is subject to eligibility. All new accounts will be verified through ChexSystems and are subject to approval. *APY=Annual Percentage Yield. Rate quoted 2-1-10 and is subject to change without notice. To qualify, accounts must have eStatements, 10 Check Card purchase transactions,
    and one ACH direct deposit, debit, or ePayment per month to earn qualifying rate and ATM refunds. Qualifying rate, currently 1.50% APY, will be paid on balances up to $50,000. On balances over $50,000 a lower dividend rate will be paid, currently .10% APY. Non-qualifying accounts will receive
    a .10% APY dividend rate and no ATM fee refunds will be paid. Reimbursed ATM fees include third-party surcharges and Southland out-of-network fees. **Rewards Plus Program is a companion product to your Southland Checking Account and is available for a $5 monthly charge. You must enroll
    for Rewards Plus to receive the benefits and insurance coverage offered. See Rewards Plus Program New Account Kit for complete program details.

3            Southland Times | Jan-Mar 2010                                                                                                                                                                                                         800.426.1917
                    Rewards Plus Program Benefits
                                                        Value and Savings You Won’t Get Anywhere Else!
Everyday Rebate Rewards – Get rewarded for everyday                                                                                 Each account holder receives one companion ticket per year.
purchases! When Members send in receipts, they get
cash back. Members can receive up to $40 in cash back                                                                               Common Carrier Accidental Death Insurance– Unintentional
every year! Simply mail in receipts each quarter, totaling                                                                          injuries are the first leading cause of death amount persons
up to $100, with the Everyday Rebate Rewards rebate                                                                                 in age groups from 1 to 55. By becoming a Rewards Plus
request form and we’ll send you up to 10% cash back.                                                                                Program Member, you are automatically covered with
                                                                                                                                    Common Carrier Accidental Death Insurance, 24 hours a day.
Purchase Protection and Extended Warrantya – Purchase
Protection and Extended Warranty offers Members                                                                                     Common Carrier Accidental Death Insurance provides
two important security benefits on virtually any new                                                                                protection in the unfortunate, life-changing event of loss of
retail item – including gifts – when they make their                                                                                life or life turning upside down because of an accident. This
purchase through their Southland Checking Account.                                                                                  benefit focuses on providing security for lives left behind.
Of course, some restrictions apply. Benefits are:
•    Reimbursement for any item stolen, lost or damaged                                                                             Discounted Gift Cardsc – Program Members may purchase
     within the first 90 calendar days after purchase                                                                               Gift Cards from well-known merchants at discounts that
     (in excess of other collectible insurance).                                                                                    range from 5% to 15% off the face value of the card.
•    Manufacturers’ warranties extended up to one
     full year under the same terms as the original                                                                                 Savers Club®–
     (on U.S. warranties of up to five years).                                                                                      • Savers Club Book – Members can save hundreds of dollars
                                                                                                                                        on offers nationwide! With the value-packed Savers Club®
Cash Rewardsb – Savings made simple. With Cash Rewards,                                                                                 Book, save up to 50% on regular-priced room rates at
Members can register their Southland Debit Cards and                                                                                    thousands of participating lodging properties worldwide.
enjoy cash back on purchases made online. Cash Rewards                                                                                  Savers Club also features money-saving offers good for
offers an online shopping network with access to over                                                                                   theme park admission, movie tickets, car rentals, dining,
200 of the nation’s best online retailers. Members can                                                                                  entertainment, retail services, and much, much more.
save up to 20% for online purchases made with their                                                                                 • Everyday Grocery Savings™ – Members enjoy savings on
registered card. The savings discount is converted to cash                                                                              grocery items that are used every day. The program entitles
back on the Member’s monthly account statement.                                                                                         Members to hundreds of dollars worth of grocery coupons
                                                                                                                                        annually. Choose from a list of 1,000 coupons ranging in
Concierge Service – A service which entitles Members to                                                                                 value from $0.10 to $2.50, with an average value of $0.50.
services from selected vendors by calling a toll-free number                                                                        • Online Local Savings – Great savings at every
or by going to the website, 24 hours a day, to receive                                                                                  corner! Members can save money at their favorite
premium Concierge Services such as sporting, entertainment                                                                              local merchants with thousands of online discounts.
and event tickets, golf course access, gift finding and                                                                                 Account holders enjoy access to savings on recreation,
delivery service, restaurant reservations and more.                                                                                     dining, attractions, auto and home services,
                                                                                                                                        clothing and other merchandise, and more.
Companion Airfare – Receive one complimentary Companion                                                                             • Hotel Savings Network – Save 5% to 20% when Members
Airfare with the purchase of one regular priced, adult, coach                                                                           stay at one of the 10,000 participating hotels nationwide.
class round-trip ticket. Complimentary fares apply to the                                                                           • Car Rental Discounts – Receive discounts on auto rentals
base fare only. Members are responsible for paying a $9.95                                                                              when Members book with Avis®, Budget®, and Dollar®.
processing fee and applicable taxes for each ticket issued.

Rewards Plus Program is a companion product to your Southland Checking Account and is available for a $5 monthly charge. You must enroll for Rewards Plus to receive the benefits and insurance coverage offered. See Rewards Plus Program New Account
Kit for complete program details. Some restrictions may apply.
a) Purchase Protection and Extended Warranty is not available for residents of the states of Maine, Massachusetts and Arkansas.
b) You must access the retailer’s link through the website provided and use the credit or debit card you have registered to be eligible for rewards. Credit will be issued automatically to your registered card within 90 days from date of purchase. Participating
merchants may change at any time without notice. Certain restrictions and limitations may apply.
c) Gift card/gift certificate purchases limited to a total of 500 cards annually. Participating merchants may change at any time without notice. Certain restrictions and limitations may apply.

                                                                                                                                                                                           Southland Times | Jan-Mar 2010
 www.SouthlandCU.org                                                                                                                                                                                                                                              2925
                                              Own Your Dream Home
                                                                                                                 Make It a Reality

W   Whether you’re buying your first
    home, upgrading your existing house,
    purchasing your dream vacation home,
    or refinancing, we can provide you with
                                                  Overwhelmed by your options? You don’t
                                                  have to be. Develop a “3-D” picture of
                                                  yourself. It will help you determine where
                                                  you stand in the loan landscape.
                                                                                                   loan you choose today can affect
                                                                                                   your life tomorrow.

                                                                                               Once you have taken a few moments to
    exceptional mortgage options and rates                                                     reflect on these questions, we can better
    to fit your budget.                           •   Delve Into Your Past—Know your           help find the answers you need and the
                                                      credit and employment history.           program that is right for you!
    At Southland Credit Union, our approach       •   Determine Your Present—How much
    to helping you choose a mortgage loan             can you spend? What kind of place        If you are interested in buying or
    is unique. We understand that your home           would you like to call home?             refinancing, visit our online Home Loan
    purchase is one of the most significant       •   Define Your Future—Based on              Center where you can apply online for
    financial commitments you’ll ever make -          what you know about your past            an instant pre-approval, use online tools
    one that can lay the foundation for most          employment history, try to project       to estimate your mortgage affordability,
    of your future financial objectives. That’s       what your income level might be:         and get other helpful home buying and
    why we provide important education                1-3 years, 5-10 years, 15-30 years in    refinancing tips. Our Home Loan Center
    and flexibility to help you make the              the future. You should also consider     is free and available 24/7. You can receive
    decision that is right for you.                   future family growth because the         an approval in as little as 20 minutes start

           Southland Times | Jan-Mar 2010
to finish. Simply use the checklist below     By choosing Southland, you will receive                                                       Get more than great rates. Let us put our
to gather the information you will need.      a competitive rate, exceptional Member                                                        mortgage services to work for you and
                                              service, and a program that fits your                                                         make purchasing your dream home a
Application Checklist:                        needs. Loan options include:                                                                  reality. For more information or to
Here is a list of some of the things that                                                                                                   apply, visit www.SouthlandCU.org, or call
will make it easier to complete your          •   15, 20, 30, or 40-year Fixed-Rate                                                         800.426.1917 today.
application when you’re applying for a            Mortgage Loans
                                                                                                                                            All new accounts will be verified through ChexSystems and are subject to credit approval. Real
loan to purchase a home.                      •   Adjustable Rate Mortgages (ARM)                                                           Estate Loans are subject to credit approval. Due to current real estate and economic conditions,
                                                                                                                                            loan requests that exceed 80% of the property’s value will require additional review and may
                                              •   Jumbo Loans                                                                               incur higher costs.

•   Your current residence address, or        •   Primary residence, second homes,
    addresses, for the past two years.            and investment properties
•   Social security numbers for all           •   And so much more!
•   Your employment history for the
    past two years. You’ll need your
    employers name, addresses, and
    phone numbers.
                                                                                                                                             Make your
                                                                                                                    Dream Home
•   Income information for all
    borrowers. You’ll be asked to

                                                                                                                        a Reality
    include salary, overtime, bonuses,
    commissions, interest/dividend,
    retirement income, and any other
    regular source of income.
•   The price of the home you are
    buying, and how much you’d like to
                                                                                                                                                 Home Equity Lines

    borrow toward the purchase. Or if
                                                                                                                                                  as low as
    you are refinancing, provide the year
    you purchased the property being
    refinanced, its original cost, current
    loan balance, and payment amount.
•   The address of the property you are
    planning to purchase.
•   Bank and brokerage account
    information, including the institution
    names, and current balances.
•   If you own any real estate, we’ll have                      A home equity loan can be
    some basic questions, including                      used for anything from paying
    address, current market value, the                                                                                              Home Equity Lines of Credit
                                                         off high-interest debt to home
    amount you owe, the rental income                                                                                                        • Variable rates as low as 4.45% APR*
                                                         improvements to buying a car.
    you receive (if any), taxes and                                                                                                          • Lines up to $500,000
    insurance, and the amount of your                          Let the equity in your home                                                   • HELOC Access Card
    monthly payment.                                       improve your overall financial                                           Home Equity Loan Programs
•   Information about your current debt.
                                                       situation. With a low-rate Home                                                       • Fixed rates as low as 6.50% APR*
    We’ll ask for the name of the creditor,
                                                       Equity Loan or Line-of-Credit at                                                      • Loans up to $750,000
    the account number, the current
                                                                                                                                             • Repayment terms up to 30 years
    balance owing and the amount                               Southland, you can do it all!
    of your monthly payment. We will                Membership is subject to eligibility. All new accounts will be verified through ChexSystems and are subject to credit approval and verification of equity. *APR=Annual
    assist you by automatically including           Percentage Rate. Rates quoted as of 1-1-10 and are based on 80% LTV. HELOC is a variable rate loan and index is based on 3-month average of 2-year Treasury Note currently at
                                                    0.917%+3.50%=4.417% for 80% LTV. Lifetime cap of 5% over fully indexed start rate. HELP rates for terms greater than 15 years are with 1 point. Add 0.50% for a zero point rate.
    information from your credit report.            The monthly payment is $8.71 per $1,000 at 6.50% for 15 years on fixed Home Equity Loan. The rate and payment shown assumes that you have a FICO of 700 or above. Other rates
                                                    may apply based on credit profile. Rates are subject to change without notice. Loan fees applicable to products can range from $155 to $3,392 and vary significantly based on loan
                                                    amount and individual circumstances. Property you own which generates income may not be eligible. Credit limit determined by the equity in the real property, which is used as
                                                    security for the loan.

                                                                                                                                                        Southland Times | Jan-Mar 2010
www.SouthlandCU.org                                                                                                                                                                                                                            2925
    Credit Union Membership
    Your Employees Will Thank You for It

A   As a business organization, you
    are always looking for new ways to
    bring benefits to your company and
    its employees. Consider offering
                                              • Financial Workshops
                                              • Membership kits
                                              • Employee incentives
                                              • Health Fair/Benefit Fair participation
                                                                                            Become a Partner
    Southland Credit Union membership.        • Paycheck stuffers and posters
                                              • Financial consultations                     Welcome to the Southland family!
    Credit Union membership is a great                                                      We look forward to serving
    way to show your employees you            Southland is a full-service, not-for-profit
                                                                                            you and your employees.
    care about them and their financial       financial institution serving individuals
    well-being. It costs you nothing to       and businesses in Orange County,
                                                                                            • Stamps.com
    provide, and gives your employees the     Downtown Los Angeles, Downey,
                                                                                            • Carl Shusterman Law offices
    opportunity to get lower rates on loans   Santa Fe Springs, La Habra Heights,
    and higher dividends on savings.          La Mirada, Norwalk, Artesia, Cerritos,        • Kelly Paper
                                              Bellflower, Lakewood, Hawaiian Gardens,
    When you partner with Southland,          Paramount, Long Beach, and Signal Hill.       Ask how you can offer Credit
    you’ll gain valuable benefits and                                                       Union membership as part of your
    a financial partner. We are here to       Join and experience the Southland Credit      benefits package at no charge. Call
    provide the following free services       Union difference! Call Susan Lindahl,         Susan Lindahl, Director of Business
    and help you introduce these new          Director of Business Development, at          Development, at 562.755.6218 or
    benefits to your employees.               562.755.6218 or contact a Financial           email SLindahl@SouthlandCU.org
                                              Service Representative at                     for details.
    Southland Partner Benefits:               800.426.1917. We look forward to
    • On-site employee orientations           serving all your financial needs.

7          Southland Times | Jan-Mar 2010                                                               800.426.1917
                                                                                                                             Important Information —Procedures on Opening a New Account
                                                                                                           To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial
                                                                                                           institutions to obtain, verify, and record information that identifies each person who opens an account. What this means to
                                                                                                           you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to

Find What
                                                                                                           identify you. We may also ask to see your driver’s license or other identifying documents. Your information is secure and will not
                                                                                                           be shared with any third parties.

                                                     MEMBERSHIP APPLICATION
                                                     I would like to apply for:

You Need                                                 3
                                                         r Savings                 r Holiday Club Account
                                                                                   r Certificate Account
                                                             (Required for Membership)
                                                                                                           r Home Equity Line of Credit
                                                                                                           r Home Equity Loan
                                                         r Super Checking r Money Market Account r Vehicle Loan
Deposit Accounts                                           (With VISA® Debit Card)   Loan Amount $_______________________
Checking Accounts                                    In this Signature Card, “I” and “My” mean each and every person who signs below and as Joint Tenant. “You” and “Your” mean Southland
                                                     Credit Union. If I am not currently a Member, I hereby make application for membership in SOUTHLAND CREDIT UNION. Each applicant for
                                                     membership certifies that he or she is within the Credit Union’s field of membership. I agree that you may retain this Signature Card and other
Savings Accounts                                     information you may receive. I agree to conform to your bylaws as well as all applicable terms and conditions set forth in the Account (Terms
                                                     and Conditions) Agreement and Truth-in-Savings Disclosure and the Electronic Funds Transfer Agreement and Disclosure, Funds Availability
AcceleRate Certificates                              Disclosure and Fee Schedule (Receipt of which is/are herby acknowledged and which are incorporated by this reference). I understand and
                                                     agree that this Signature Card shall only govern the accounts set forth under the root account number established for this card (excluding IRA
                                                     and Certificate Accounts), including the terms set forth on the reverse, if any. General membership provision: I authorize you to obtain and
Add-On Certificate Accounts                          periodically (re) verify employment, credit, and checking account information as you deem appropriate from time to time. I understand that
                                                     this will assist you, for example, in determining my initial and ongoing eligibility for my accounts and/or in connection with making credit
Money Market Accounts                                opportunities available to me.

                                                     MEMBER INFORMATION
IRAs                                                 LAST NAME                                                           FIRST NAME                                                  M.I.

Business Accounts                                    ____________________________________________________________________________________________________
                                                     HOME ADDRESS                             CITY / STATE / ZIP             MOTHER’S MAIDEN NAME

                                                     MAILING ADDRESS (if different than home address) CITY / STATE / ZIP     MONTHLY INCOME
Loans                                                ____________________________________________________________________________________________________
                                                     HOME PHONE #                             WORK PHONE #                   CELL PHONE #
Vehicle Loans                                        ____________________________________________________________________________________________________
                                                     DRIVER’S LICENSE # / STATE / EXPIRATION DATE EMAIL ADDRESS              DATE OF BIRTH
Real Estate Loans                                    ____________________________________________________________________________________________________
                                                     EMPLOYER                 CITY            OCCUPATION                     DATE OF HIRE
Home Equity Loans                                    ____________________________________________________________________________________________________
                                                     HOW ARE YOU ELIGIBLE FOR MEMBERSHIP / REFERRED BY                 HOW DID YOU HEAR ABOUT SOUTHLAND
Home Equity Lines of Credit
Business Loans                                       REQUEST FOR TAXPAYER IDENTIFICATION NUMBER
                                                     Enter your TIN in the appropriate box. For individuals, this is your Social Security Number (SSN). However, for a resident alien, sole proprietor,
Personal Loans                                       or disregarded entity, see Part I of “Specific Instructions” to Payer’s Request for Taxpayer Identification Number and Certification in the
                                                     instructions to IRS Form W-9. For other entities, it is your Employer Identification Number (EIN). If you do not have a number, see How to Get a
Motorcycle and Boat Loans                            TIN in “Specific Instructions” Part I.

                                                                       Social Security #
Watercraft Loans                                                                      or
Recreational Vehicle Loans                             Employer Identification #
                                                     Note: If the account is in more than one name, see the chart in the Instructions to IRS Form W-9 for guidelines on “What Name and
                                                     Number to Give the Requester.” By signing below, you certify, under the penalties of perjury, that: (1) the number shown on this form is
Valuable Services                                    your correct Taxpayer Identification Number (or you are waiting for a number to be issued to you), and (2) you are not subject to backup
                                                     withholding because: (a) you are exempt from backup withholding, or (b) you have not been notified by the Internal Revenue Service (IRS)
                                                     that you are subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has notified you that you are
Free Identity Theft Insurance                        no longer subject to backup withholding, and (3) you are a U.S. person (including a U.S. resident alien). Certification Instructions: cross out
                                                     item 2 above if you have been notified by the IRS that you are currently subject to backup withholding because you have failed to report all
Free Visa® Debit Card                                interest or dividends on your tax return.

                                                     JOINT TENANT
Free Southland eServices:                            LAST NAME                                                           FIRST NAME                                                  M.I.

  eBranch, ePay, eStatements,                        ____________________________________________________________________________________________________
                                                     HOME ADDRESS                             CITY / STATE / ZIP             MOTHER’S MAIDEN NAME

  eTransfers, eLoans, and                            ____________________________________________________________________________________________________
                                                     HOME PHONE #                             WORK PHONE #                   CELL PHONE #

  eDeposits                                          ____________________________________________________________________________________________________
                                                     DRIVER’S LICENSE # / STATE / EXPIRATION DATE SOCIAL SECURITY #          DATE OF BIRTH
Family Membership                                    ____________________________________________________________________________________________________
                                                     RELATIONSHIP TO MEMBER                   EMAIL ADDRESS                  MONTHLY INCOME

                                                     ____________________________________________________________________________________________________                            $
800.426.1917                                         PAY-ON-DEATH PROVISION—(BENEFICIARY)
                                                     LAST NAME                                                           FIRST NAME                                                  M.I.

www.SouthlandCU.org                                  ____________________________________________________________________________________________________
                                                     SOCIAL SECURITY #                        DATE OF BIRTH                  RELATIONSHIP
Membership is subject to eligibility and all loans   ____________________________________________________________________________________________________
are subject to credit approval.                      LAST NAME                                FIRST NAME                     M.I.

                                                     SOCIAL SECURITY #                        DATE OF BIRTH                  RELATIONSHIP
                                                      Sign Here           X                                                                                                          DATE

                                                      Sign Here           X                                                                                                          DATE
Expert Insurance and
 Investment Advice
     Pave the way for a bright future
     with LPL Financial Services. LPL
     Financial Services at Southland
    Credit Union provides a financial
      advisor to review your current
  financial condition and help you set
    goals for a strong financial future.

        Whether you’re a first-time
      or experienced investor, our
      financial advisors are a great
   asset in your retirement planning,
       tax-free investments, 401(k)
   Rollovers, IRA Rollovers, Annuities,
       insurance needs, and more.

  Schedule a free consultation today!

               Patrick Velasco
             Financial Advisor
        CA Insurance Lic. #0F77208
             Tel: 562.936.8714
             Fax: 866.650.7218
            Cell: 310.634.8035

          Raymond Abracosa
             Financial Advisor
        CA Insurance Lic. #0A18249
             Tel: 562.936.8714
             Fax: 866.650.7218
             Cell: 310.897.0703

 Securities offered through LPL Financial, Member FINRA/SIPC
 Insurance Products offered through Private Ledger Insurance
            Services of California, Inc. & its affiliates
Not NCUA Insured | No Credit Union Guarantee | May Lose Value
If you are one of the millions of
Americans who have resolved to get
out of debt and control your spending
in the New Year, we have the resources
you’ll need to get financially fit in 2010.

Putting your financial goals in writing
can make them seem more concrete and
achievable. However, it’s easy to allow
everyday purchases and obligations to
get in the way of saving for the future.
One of the best ways to make sure your
daily spending habits don’t overwhelm
your life goals is to create a spending
plan. A spending plan is not meant to
be a strict budget. Instead, it’s a guide
that will help you take control of your
financial future and, ultimately, reach
                                                                 Get Financially Fit
your goals. To create your spending                               It’s Time to Get Your Money Into Shape
plan, follow these four steps:

•   Step One: Identify Income.                If you find a lot of unnecessary papers    •   Cut expenses. Try to identify a few
•   Step Two: List Expenses.                  — especially those that might tempt            things you could stop
•   Step Three: Compare                       you to spend, such as upgrades,                buying or buy less often.
    Income and Expenses.                      insurance products, and other              •   When one debt is paid off, keep
•   Step Four: Set Priorities                 merchandise offers — toss them directly        paying the same amount – just
    and Make Changes.                         in the garbage can. (Please shred              put it toward another remaining
                                              items with personal information.)              debt. Try to pay off debt with
Get Organized                                                                                the highest interest rates first.
Find a good workspace to organize             Put Your Plan Into Action                  •   Consolidate loans to make your
and keep track of all your bills. If you      After comparing your income and                financial planning with debt
don’t have a desk, try your dining            expenses, did you find that you have           management solutions reachable.
room table or even the floor in a spare       money left over at the end of the              Shift higher-interest loans to a
room. Grab your paycheck stubs and            month? If so, great! Your income               single lower-rate loan and stop
sort your bills by category. Within each      and your expenses are in balance.              running up new charges.
category, sort them by date — newest
to oldest — and by significance:              But what if your expenses were more        Taking the first step is always the hardest,
                                              that your income? This can happen to       but an important step in achieving
•   Housing, Mortgage, Home                   anyone. But if it happens often, your      financial fitness. Remember to dedicate
    Equity Loans, Rent (also property         budget is unbalanced. How do you           time each week to thinking, talking, and
    taxes if they are not included            get back into control? There are only      learning about your finances. Consider
    in your mortgage payment)                 three ways: cut back on your expenses,     financial planning to be part of your
•   Utilities: electric, oil, and gas         increase your income, or both.             normal routine. Just as you would
•   Credit cards                                                                         schedule time to go to the grocery store
•   Car or lease payments                     Set Priorities and Make Changes            or visit the gym, you should also plan
•   Insurance payments                        Don’t let this realization overwhelm and   time to achieve your financial freedom.
•   Education bills/child care                paralyze you. By combining financial
•   Miscellaneous: health-club                planning with debt management
    memberships, professional dues,           techniques, you can reduce your debt
    and extracurricular activities (such      with the following tactics:
    as dance class, music lessons, etc.)

                                                                                              Southland Times | Jan-Mar 2010               10

    8545 Florence Ave.                           P. O. Box 7022
    Downey, CA 90240                         Downey, CA 90241-7022

       Los Alamitos
 10701 Los Alamitos Blvd.
  Los Alamitos, CA 90720

       Los Angeles
      (Federal Building)
  300 N. Los Angeles St.
  Los Angeles, CA 90012

       Los Angeles
     200 S. Spring St.
  Los Angeles, CA 90012                                                                                                                     New Year

     P.O. Box 7022
                                                                                                                                            New Car
 Downey, CA 90241-7022

                                                                                                                                            New You!



     FAX NUMBERS                                                                                                                                                         Vehicle Loans

                                                                                                                                                                                                                    as low as
  General 866.526.5854
  Lending 866.630.5792
        WEBSITE                                                                                                                                                                                                                                    APR*
                                                                                                                                                                                             with rate discounts

                                  Southland’s terrific rates and terms                                                       • Loan approval within minutes
                                                                                                                             • Repayment terms up to 7 years
                                             on new and used vehicles can
                                                                                                                             • Finance up to 100% of the purchase price
                                      help you unlock the door to your                                                         including tax, license, and insurance
                                         dream car! Speak with a Service                                                     • Rate includes a discount of .25% for automatic
  The Credit Union will be                                                                                                     payments from your Southland Checking
closed in observance of the           Representative or apply online to
    following holidays:                                                                                                      • Rate includes a discount of 1.00% with a
     NEW YEAR’S DAY                                       get pre-approved today!                                              maximum loan-to-value of 80%
   Friday—January 1, 2010
                              Membership is subject to eligibility. All new accounts will be verified through ChexSystems and are subject to credit approval. *APR=Annual Percentage Rate. Rate quoted as of 1-1-10 and is for a 60-month term. Rate includes
    MLK JR. BIRTHDAY          a .25% discount for autopay, which must be from a Southland Checking or Money Market Account and 1.00% discount with a maximum loan-to-value of 80%. The monthly payment is $18.87 per $1,000 at 4.99% for 60
  Monday—January 18, 2010     months on new vehicles. The rate and payment shown assumes that you have a FICO of 700 or above . Other rates may apply based on credit profile. Rates and terms are subject to change without notice.

 Monday—February 15, 2010

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