Always a Perfect Fit With the Schools Visa庐 Gift Card_ Low Mortgage by pengxuebo


									                                                                                                                 BANKING                  FOR          EVERYONE           SM

                                                                                                                                   Friends and family can join at
                                                                                                                             or any branch.

         December 2005                          Schools Financial Credit Union                   Better Value. Outstanding Service.SM

                                               Low Mortgage Rates for
                                               Special Borrowers!
                                               For a limited time1, Schools Financial Credit Union is participating in the nationwide
                                               Home Loan Payment Relief (HLPR) Program, aimed at borrowers with household incomes
                                               at or below the median in their market. Schools is among many credit unions across the
                                               country that will begin offering this new mortgage product, focusing on helping lower-
                                               income borrowers afford a home! The program includes:
                                               • 3/1 ARM loan with a rate set as low as 1% below the national average
The Visa $1.5 Million
                                               • 100% financing with no Private Mortgage Insurance (PMI) required
Holiday Giveaway
                                               • No down payment required (gifts or grants permitted and can be used for closing costs)
Wraps up the Biggest Prize
                                               • Owner Occupied, Primary Residence2
Package of the Season
                                               Credit unions are about “People Helping People” from all walks of life. With this new HLPR
To find out more, visit your nearest           loan, we’re giving our members a greater opportunity to purchase a home and begin to
Schools branch or go to           build wealth as the equity in their home accumulates.
                                               To apply, contact a Real Estate Loan Counselor at 916-569-5473 (Sacramento area) or
 ‘Tis the Season of                            800-962-0990, ext. 5473.
                                               1 The Credit Union has committed a specified dollar amount to this program. Loans will be available until that amount is
 Holiday Giving                                  met. Qualification based on Program guidelines.
                                               2 Refinances are not eligible for this offer.

 The Bobby Jackson Gift Drive
 Schools is sponsoring the Bobby Jackson
 Gift Drive, an event where Bobby Jackson
                                               Always a Perfect Fit
 personally delivers donated gifts to
 families in need during the holiday           With the Schools Visa®
 season. Look for gift barrels in your local
 Schools branch where new, unwrapped
 toys, books and clothes (for all ages) may
                                               Gift Card!
 be donated.                                   It can be hard to come up with the perfect gift for everyone
 Make Holiday Donations at Schools             on your holiday list. So Schools is offering you the perfect
 Revel in the holiday spirit this season —     fit for everyone — the Schools Visa Gift Card. These cards
 right at your Schools branch. Now through     can be purchased easily in various denominations at
 December 31st, you can purchase a    Have them sent to you or directly to all the
 Children’s Miracle Network (CMN) stocking     people on your gift list. You can even personalize every gift
 for just $1 or an Entertainment Book for      card for each recipient.
 $40 (and $10 goes to CMN) at any Schools      Because the Visa Gift Card is accepted everywhere Visa Debit is accepted, it offers
 branch. CMN raises funds for children’s       shopping convenience for all your friends and family. So, they can use it at their favorite
 hospitals, and most of the CMN funds          stores to buy exactly the gift they wanted this year. So make some major progress on your
 raised in the Sacramento area are donated     holiday shopping this year by giving the Schools Visa Gift Card. Visit today,
 to the UC Davis Children’s Hospital.          and have your holiday shopping done in minutes.
Schools Members Save on Dental Benefits                                                                                          BOARD     OF   DIRECTORS
                                                                                                                                 E.J. Houghton, Jr., Chairman
With Dental Benefits Plus3                                                                                                       R.E. Kramnic, Vice Chairman
                                                                                                                                 R.D. Allegre, Treasurer
                                                                                                                                 G.L. Ross, Secretary
Schools has partnered with Dental Benefits Plus                                                                                  E. Martinez, Director
                                                                                                                                 T. Matista, Director
to provide savings on your dental and other                                                                                      T. Tafoya, Director
health care needs. With Dental Benefits Plus, you                                                                                PRESIDENT/CEO
can enjoy savings up to 50 percent on virtually all                                                                              Jim Jordan
your dental needs such as cleanings, braces or                                                                                   SUPERVISORY COMMITTEE
                                                                                                                                 D.L. Graham, Chairman
crowns. You can also save up to 60 percent on prescription drugs, vision or chiropractic care.                                   D.E. Bleekman, Secretary
                                                                                                                                 G.A. Smith
For $11.95 (individual) or $14.95 (family) a month, you can choose from thousands of
dentists and specialists nationwide with:
                                                                                                                                 EDITOR: Nathan Schmidt
• No qualifying                                                 • No claim forms                                                 ASSISTANT EDITOR: Dara Gibbs
• No exclusions for pre-existing conditions                     • No waiting periods                                             CALL CENTER, LOAN BY PHONE, & AUDIO TELLER
                                                                                                                                 916-569-5400 (Sacramento area)
• No deductibles                                                • A 30-day money-back guarantee                                  800-962-0990

For more information or to enroll, visit or call 800-818-(PLUS)7587.                                                 ONLINE BANKING
3 This product is not insurance. Benefits provided only through participating providers. There is a one time Enrollment Fee of
  $10.00. 30-day money-back guarantee includes Enrollment Fee. Pay by credit card or Credit Union account debit. Dental          BRANCH LOCATIONS
  Network is provided by Signature Agency, Inc., a GE Financial Company. Colorado & Maryland residents are subject to            • EAST BIDWELL • MANAGER: CINDY MASSA
  $1.00 minimum fee per service, Washington residents are subject to $10.00 minimum fee per service.
                                                                                                                                   2600 E. Bidwell Street, Suite 100
                                                                                                                                   Folsom, CA 95630
                                                                  Shared Branching                                               • ELK GROVE • MANAGER: GREGORY BAINTER
                                                                                                                                   9645 Elk Grove-Florin Road
                                                                  Means Convenience                                                Elk Grove, CA 95624
                                                                                                                                 • FOLSOM BOULEVARD • MANAGER: JOSEPH TUSCHAK
                                                                                                                                   8725 Folsom Boulevard
                                                                  Did you know that Schools is part of the                         Sacramento, CA 95826
                                                                  CU Service Centers® Network, which allows                      • FRUITRIDGE/FREEPORT • MANAGER: TAMMY CARLILE
                                                                                                                                   1631 Claudia Drive
On-the-spot Credit Union financing and                            you to access your account in the lobbies
                                                                                                                                   Sacramento, CA 95822
low rates will be available! For directions                       of more than 1,000 credit unions locally                       • LAGUNA • MANAGER: GREGORY BAINTER
or more information, visit                           and worldwide? So when it’s more                                 7400 Laguna Boulevard, Suite 202
                                                                  convenient, you can do most of your                              Elk Grove, CA 95758
                                                                                                                                 • MADISON AVENUE • MANAGER: DEBRA GREENLEE
Roseville Automall                                                banking in the lobby of the credit union                         5210 Madison Avenue
December 9-11, 2005                                               down the street rather than drive the extra                      Sacramento, CA 95841
Doors open at 9:00 a.m. daily                                     blocks or miles to your Schools branch.                        • NATOMAS • MANAGER: PAUL GUTIERREZ
                                                                                                                                   2051 Natomas Crossing Drive
                                                                  Make deposits or cash withdrawals, buy                           Sacramento, CA 95834
                                                                  counter checks and more.4 Among the                            • ORANGEVALE • MANAGER: BONNIE GLANTZ
                                                                                                                                   6000 Main Avenue
                                                                  credit union cooperative, we call this                           Orangevale, CA 95662
                                                                  service “shared branching,” and it’s just                      • PLACERVILLE • MANAGER: FRAN OSWALD
                                                                  another way that all credit unions work                          4278 Golden Center Drive, Suite 100
                                                                                                                                   Placerville, CA 95667
                                                                  together to make the credit union way of                       • ROSEVILLE • MANAGER: CAROL LOVE
                                                                  life more convenient for its members.                            1601 Douglas Boulevard
                                                                  Shared branching is also ideal when you’re                       Roseville, CA 95661
Schools Financial Credit Union will be                                                                                           • YUBA CITY/MARYSVILLE • MANAGER: JANET MCCOLLEY
                                                                  away on vacation or business in another
closed in observance of the following                                                                                              1055 Gray Avenue
                                                                  city or state. Maybe you chose Schools                           Yuba City, CA 95991
                                                                  because it’s near your workplace, but why
         Christmas Eve (close at 1 p.m.)                                                                                         CU AUTO SALES LOCATIONS
                                                                  not make weekend banking more                                  • SACRAMENTO • 3249 Fulton Avenue
         Saturday, December 24, 2005                              convenient by using a shared branch?                           • ROSEVILLE • 901 Riverside Avenue
                                                                                                                                 Products, services, terms, and rates are accurate as of
         Christmas Day (observed)                                 For a shared branch location near you,                         11/30/2005. Contact the Call Center for the most recent
         Monday, December 26, 2005                                visit or call 916-569-5400                         information.
                                                                  (Sacramento area) or 800-962-0990.
         New Year’s Eve (close at 1 p.m.)
         Saturday, December 31, 2005

         New Year’s Day (observed)                                4 Service limitations and low fees may apply for certain
         Monday, January 2, 2006                                    services. For more information about service availability,
                                                                    locations or fees, look for the CU Service Centers link on
                                                           or ask your branch representative.

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