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                                                                                                                        PUBLISHED FOR THE MEMBERS OF CREDIT UNION OF GEORGIA Fall 2009

                                                                                                                                                   Win This
                                                                                                                                                 When you finance your next loan of $10,000 or more with Credit Union

Santa Claus is                                                                                                                                 of Georgia, you’ll not only receive our everyday low loan rates, but you’ll
                                                                                                                                              also be automatically entered to win a 2007 Saxon Griffin Chopper!

Coming to Town…                                                                                                         Through March 20, 2010, you will receive one automatic entry into the
                                                                                                                    drawing for every $10,000 you finance with a Credit Union of Georgia Loan
Saturday, December 12th –                                                                                      Product with a minimum draw of $10,000 on True Lines of Credit, Home Equity Lines
Marietta Branch                                                                                    of Credit, and Visa® Credit Cards. Balance Transfers to your Credit Union of Georgia Visa® Credit
                                                                                               Card will also earn you one automatic entry for every $10,000 in aggregate transferred balances.
Stoney Savasaurus is bringing one of his best                                                  A winner will be selected at random through a drawing at Credit Union of Georgia’s 50th Anniversary
friends to meet his Savasaurus Club friends!                                                   Annual Meeting on March 25, 2010. The winner will be notified by phone if they are not present at the
Santa Claus will be at the Marietta Branch                                                     Annual Meeting Celebration.
location Saturday, December 12th from 9am –                                                    So whatever your borrowing needs, finance your next         Come See The Chopper In Person
1pm. Bring your Wish List and have your picture                                                loan with Credit Union of Georgia to take advantage of      At The Following Branch Locations:
made with Santa free of charge.                                                                our low rates and for a chance to win a 2007 Saxon                                                      In South Cobb September 15th – October 14th
This event is for the first 50 Savasaurus Club                                                 Griffin Chopper at our 50th Anniversary Celebration!                                                    In Paulding October 15th – November 14th
members who RSVP by Wednesday, December                                                                                                                                                                In Canton November 15th – December 14th
                                                                                             Visit for Chopper Giveaway Official                                                        In Towne Lake December 15th – January 14th
9th. Please leave your child’s name, account                                                 Contest Rules.
number, and contact number so your reservation
can be confirmed.                                                                          *With approved credit. Some restrictions may apply. Promotion runs July 20, 2009 - March 20, 2010. The vehicle is a 2007 Saxon Griffin Chopper with less than 5,000 miles.
                                                                                           Winner is responsible for all taxes, title fees, and licensing fees. If the winner is under 18 years of age, the vehicle must be licensed to the parent or legal guardian. Drawing to
Please contact Stoney Savasaurus at                                                       win the Chopper will take place at Credit Union of Georgia’s 50th Anniversary Annual Meeting on March 25, 2010. Winner must take ownership of the vehicle at one of Credit
                                                                                         Union of Georgia’s branch locations and sign proper documentation at time of delivery. Chopper will be awarded as is and will include no warranties expressed or implied.
678-322-2046 to reserve your spot to                                                   Member will receive one entry into the drawing for every approved and funded loan application of $10,000 or greater with a minimum of a $10,000 draw (if applicable) on True
                                                                                     Lines of Credit, Home Equity Lines of Credit, or Visa® Credit Cards. Credit Card Balance Transfers applicable for this promotion, but must be an aggregate total of $10,000 or greater.
meet Santa today!                                                                   Promotion valid on all Credit Union of Georgia loan products with an aggregate finance amount of $10,000 or more with the exclusion of 1st Home Mortgages. There is no limit to the
                                                                                  number of entries per member, however member must finance and draw (if applicable) a minimum of $10,000 per entry. Winner must be a member of Credit Union of Georgia in good
                                                                                standing. Promotion not valid on current Credit Union of Georgia loans. Credit Union of Georgia employees, Board Members, and immediate family members are not eligible for entry.
                                                                               Official Rules can be found at

                                                                      Sign Up For FREE eStatements Today
                                                                And Receive $5.00 and a Chance to Win a New Netbook!
                                               With eStatements, you can view your account information and cleared                                               Enabled” from the Select Statement Type drop down menu and enter
                                              checks online 24/7! This great service provides you with a secure way to                                           you email address in the space provided. Then simply click “Continue”
                                              maintain your financial records, while eliminating the piling up of paper                                          and begin receiving your statements electronically. Once you’ve signed
                                              statements in your home. With eStatements, you can view up to 18                                                   up, you will receive a $5.00 automatic deposit into your Share Savings
                                              months of cleared checks and account history once you enroll. And the                                              Account and automatic entry into the drawing to win a new Netbook!
                                              best part…It’s absolutely FREE!
                                                                                                                                                                 Viewing your eStatement is easy! You will receive an email at the
                                              Once you have registered to receive eStatements instead of paper                                                   beginning of each month informing you when your eStatement is
                                              statements, you will receive an automatic $5.00 deposit into your Share                                            available to view. Simply login to eBranch, select “eStatement” from
                                              Savings Account and you’ll be entered into a drawing to win a new                                                  the option list on the left and choose “eStatement” from the drop down
                                              Netbook that will be awarded by drawing on December 18, 2009!                                                      menu and enjoy the convenience of eStatements!
                                              To sign up for eStatements today, simply sign in to eBranch, select                                                For more information on becoming an eStatement user or If you need
                                              “eStatement” from the option list on the left and choose “eStatement                                               assistance with eStatement enrollment, contact our MAPS department
                                              Preferences”. From the eStatement Preferences Page, select “eStatement                                             at 678-486-1111 or visit any branch location.
                                              *Employees and officials and their immediate family are not eligible to participate. To qualify, members who enroll in eStatements during the promotional period must be registering for eStatements for the first time. Limit
                                              one entry per account number. Promotional period to receive a $5.00 automatic deposit runs October 1 – December 31, 2009. Promotional period to receive entry into the drawing to win a new Netbook runs October 1 –
                                              December 15, 2009. Members who enroll in eStatements during the promotional period will be entered in a drawing to win a new Netbook; drawing will take place December 18, 2009. Winner will be notified via phone.
Reward Yourself!                                                                   Be Part of The Crowd…
Earn Double Rewards Points                                                                                             Sign Up for our eServices and
on Your Visa® Debit Card!                                                                                                Join Over 11,000 Happy Users

Now through December 31, 2009, you can earn                                                                                  Plus You’ll Receive a REALLY COOL New Tote!
double Rewards Points when you use your Credit                                                                             Sign up for all four of our FREE eServices: eBranch, ePay, eStatements, and eAlerts,
Union of Georgia Visa® Debit Card with Rewards                                                                            and pick up a COOL Credit Union of Georgia Shopping Tote Bag at any of our 6
for purchases, select “Credit”, and sign your receipt.                                                                   convenient branch locations. Already signed up? Let us know and visit any branch
Earning double Rewards Points means that you’ll earn                                                                  location to receive your free tote bag.
2 points for every $2 you spend!
                                                                                   *Limit one shopping bag per member account. Quantities are limited and are available on a first come, first serve basis.
As always, points earned using your Credit Union
of Georgia Visa® Debit Card with Rewards can be
combined with points earned using your Credit Union

                                                                                   Order Your 2009 Check
of Georgia Visa® Platinum Credit Card with Rewards
to maximize your earnings. Plus, points can also be
householded with other cards in your home.
Rewards Points can be redeemed at                                                  Image CD Today for many great
gifts, including:                                                                  Available Until December 15, 2009
• iTunes® Gift Cards                                                               Sign up today to receive your 2009 cancelled check images on CD for just $14, including shipping and
• Electronics                                                                      handling to your home. All of your cancelled checks from 2009 will be mailed to you on CD for easy access
• Sporting Goods                                                                   and record keeping. The CD with your cancelled check images will hold approximately 30,000 images, plus
• Travel                                                                           the software needed to view the images will automatically be loaded on the CD, making viewing easy.
• And So Much More!
                                                                                   To sign up to receive your 2009 Check Images CD, please visit and register no later
So, next time you’re swiping your Visa® Debit Card                                 than December 15, 2009. Your account will be automatically debited the $14 cost and you will receive the
for groceries, gas, dinner, or practically anything else,                          CD within the first 4-6 weeks in 2010. If you have any questions about this service, please contact our MAPS
remember to select “Credit” and sign your receipt to                               department at 678-486-1111.
rack up the rewards.
To learn more about the Rewards Points Program
or to apply for a Credit Union of Georgia Visa® Debit
Card with Rewards, visit us at or
contact our MAPS department at 678-486-1111.
                                                                                   Credit Union of Georgia
*To earn Double Rewards Points on Credit Union of Georgia Visa Debit Cards

with Rewards, members must select CREDIT and sign for their transaction. Prior
to promotional period, members received 1 point for every $2 spent when CREDIT
                                                                                   Visa® Gift Cards
was pressed. August 1, 2009 - December 31, 2009 members with a Credit Union
of Georgia Visa® Debit Card with Rewards will receive 2 points for every $2 they   Everybody Has Somebody That is Hard to Buy For…
spend when they press CREDIT. Rewards Points expire 36 months from the date of
accrual. Program, terms, and conditions subject to change.
                                                                                   Worried about finding the perfect gift for your family,                                This includes a personalized message to your
                                                                                   friends, and co-workers this holiday season? Credit                                    recipient embossed on the card along with the
                                                                                   Union of Georgia Visa® Gift Cards are your solution!                                   recipient’s name.
                                                                                   The Credit Union of Georgia Visa®
                                                                                                                                                                               Option 2: You can purchase your Visa® Gift
                                                                                   Gift Card is a prepaid card
Important Information Regarding                                                    that can be used most
                                                                                                                                                                                 Card in the branch for only $3.00.
American Express Travelers and                                                     everywhere Visa® debit                                                                             Recipients of your Credit Union of
Gift Cheques®                                                                      cards are accepted,                                                                                 Georgia Visa® Gift Cards, when
                                                                                   including retail stores and                                                                         purchased in the branch, can use
                         As of October 1, 2009, Credit                             online merchants.                                                                                   their card immediately because their
                         Union of Georgia no longer offers
                                                                                                                                                                                       gift cards will be activated when
                         American Express Travelers                                Credit Union of Georgia
                                                                                                                                                                                       purchased. If purchased via the web,
                         Cheques® or American Express                              Visa® Gift Cards are
                                                                                                                                                                                      the card must be activated by the card
                         Gift Cheques®.                                            an ideal choice for the
                                                                                                                                                                                    recipient. The Visa® Gift card can be
                                                                                   holidays because you can
As an even better alternative, members may                                                                                                                                        replaced if lost or stolen.** And it offers
                                                                                   choose from a variety of fun,
purchase prepaid Visa® Gift Cards for their traveling                                                                                                                        all the other protection and security features
                                                                                   festive card designs to please
and gift giving needs. Visa® Gift Cards offer great                                                                                                                       you’ve come to expect from Visa®.
                                                                                   anyone. Best of all, the recipients of the cards can use
convenience because they are accepted practically                                  them to buy what they want, when they want.                                            Call us at 678-486-1111 or visit any branch for
anywhere you see the Visa® logo and offer all the
                                                                                                                                                                          more details!
protection and security features you’ve come to                                    Credit Union of Georgia Visa Gift Cards are available

                                                                                   in dollar increments between $10.00 and $500.00.                                       *Credit Union of Georgia Visa® Gift Cards cannot be authorized at a “pay
expect from Visa®.                                                                                                                                                        at the pump” device. A $3.00 monthly maintenance fee will be charged for
                                                                                   You have two simple options for getting your Credit                                    each month you have a balance remaining on the card. This fee is waived
                   For more information or to purchase                             Union of Georgia Visa® Gift Cards.                                                     the first nine months after the card imprint date. Gift Cards expire two
               Credit Union of Georgia Visa® Gift Cards,                                                                                                                  years from date of issue.

                        visit us at                                 Option 1: You can order your Visa® Gift Card online                                    **Certain restrictions, limitations, and exclusions apply. Covers U.S.-issued
                                                                                   at for only $6.00 (plus shipping).                                      cards only. Visa’s® Zero Liability policy does not apply to commercial card
                         or stop by any branch location.                                                                                                                  or ATM transactions, or to PIN transactions not processed by Visa®.
                                                                 Join us for Member Appreciation Week as we

We                                                               celebrate…YOU! We will be hosting Member
                                                                 Appreciation Week festivities on the following dates:
                                                                 October 13th @ Canton, Paulding, & South Cobb
                                                                 October 14th @ Marietta

Our Members!                                                     October 15th @ Towne Lake
                                                                 October 16th @ KSU

 Card Act of 2009                                                                                                                                      Ready…Set…
 Notice for Credit Union of Georgia Members with Loans                                                                                                 Skip-A-Payment!
 You have probably heard on the television or radio                any changes or complete any forms; the change                                       Are your holiday plans getting put aside because of
 news that there have been some recent changes to                  will be automatic.                                                                  worrying about your bills? Credit Union of Georgia
 how credit cards and open-end loans will be handled in                                                                                                is here to help put you back in the holiday spirit! We
                                                                   In addition, loan notices will be mailed out to ensure
 the future. To keep you up-to-date on how Credit Union                                                                                                would like to offer you the opportunity to skip your
                                                                   that you receive a notification 21 days prior to your
 of Georgia is complying with these regulatory changes,                                                                                                loan payment during the month of December. You
                                                                   due date. Our current periodic statements will also
 here is some helpful information.                                                                                                                     can skip your Personal or Vehicle Loan payment.* To
                                                                   serve as an additional reminder of your due date.
 The CARD Act requires periodic statements to be                                                                                                       take advantage of this offer, simply visit any branch
                                                                   eStatement members will receive periodic                                            location or contact our MAPS (Mail and Phone Service)
 mailed to members at least 21 days before their loan              notices via email. If you would like to become an                                   department at 678-486-1111 and tell them you would
 payment is due. To comply with this requirement,                  eStatement member and receive your periodic                                         like to skip your December loan payment.
 continue to provide competitive loan and saving                   notices by email, please sign up for our FREE
 rates, and minimize the cost to the credit union, Credit
 Union of Georgia has shifted loans with loan due dates
                                                                   eStatement service at                                               Have a great holiday season from your
 for some members. If your due date has been shifted,              For any questions or concerns regarding CARD Act                                    friends at Credit Union of Georgia!
 you should have received a letter notifying you of the            regulations or your Credit Union of Georgia loan,                                   *Skip-A-Payment is not valid on Real Estate Loans or Visa® Credit Cards.
 change in the mail. You will not be required to make              please feel free to contact us at 678-486-1111 or                                   Subject to credit approval.
                                                                   visit any branch location.

                                                                                                                                                       Would You Like to Follow
 Retirement, Insurance & Investments                                                                                                                   Your Credit Union on
 from a Trusted Partner                                                                                                                                Facebook and Twitter?
 A Message from CU of GA Financial Services                                                                                                            Let Us Know!
                          Trust is everything—                    Some of the products and services                                                    Log onto today,
                          especially when it comes                available include:                                                                   take our Member Satisfaction Survey,
                          to your insurance and                                                                                                        and let us know how we’re doing
                                                                  • Retirement Planning
                          investments. That’s why                                                                                                      and if you’d like to see Credit Union of
                                                                  • Wealth Management
                          we are honored to have                                                                                                       Georgia on Facebook and Twitter. The
                                                                  • Education Funding
                          been chosen by Credit                                                                                                        survey is easy, secure, and only takes a couple of minutes
                                                                  • Mutual Funds
                          Union of Georgia as the                                                                                                      to complete. And once you’ve taken the survey, you’ll
                                                                  • 401(k) / Pension Rollovers
                          financial services partner                                                                                                   automatically be entered into the monthly drawing to win
                                                                  • Life Insurance
                          to serve the needs of                                                                                                        a $25 Credit Union of Georgia Visa® Gift Card!
       Sam Davis                                                  • Long-term Care Insurance
                          members like you.
                                                                  • Tax-managed Investing*
 Designed exclusively for credit union members,
                                                                  As a trusted partner of Credit Union of Georgia, CU
 and located right here at the credit union, CU of
                                                                  of GA Financial Services works in cooperation with                                       Beginning January 1, 2010
 GA Financial Services is a full-service financial
                                                                  your credit union. Therefore, we understand the
 advisory program. We provide retirement,
                                                                  importance of serving you. We’re affiliated with                                         If you have a Share Account with Credit Union
 insurance and investment services to members
                                                                  CUNA Mutual Group, a family of companies owned                                           of Georgia, other than your Membership Share
 like you. We’re here to help you and your family
                                                                  by and dedicated to credit unions and their members                                      Savings Account and the account becomes inactive
 through a lifetime of financial planning needs—from
                                                                  for the past 125 years. Be assured your financial                                        by maintaining a $0.00 balance for 180 days or
 those just starting a savings plan, to those with
                                                                  advisor will serve you with the same personalized                                        longer, this account will be closed. If you wish to
 sizable assets looking for more sophisticated
                                                                  attention you’ve come to expect from your credit                                         keep these accounts opened, simply maintain a
 management tools.
                                                                  union. Call Sam Davis today at 678-322-2241 for                                          balance in the accounts and keep the accounts
                                                                  a no-cost, no-obligation appointment.                                                    active by regularly making deposits into or making
                                                                                                                                                           withdrawals from the account.
                                              *Representatives are not tax advisors. For more information regarding your specific tax situation,
                                              please consult a tax professional. Representatives are registered, securities are sold, and investment       If you have any questions or concerns regarding
                                              advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a                 how you may be affected by this change, please
                                              registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free
                                              (866) 512-6109. Nondeposit investment and insurance products are not federally insured, involve              contact our MAPS department at 678-486-1111.
                                              investment risk, may lose value and are not obligations of or guaranteed by the financial institution.
                                              CBSI is under contract with the financial institution, through the financial services program, to make
                                              securities available to members.                                                                                                                                                    3
Announcements                                                                                                                              Community COR
                                                            Library Donation Made to New                                               Summer
                                                            School in Cherokee County                                                  Sweepstakes Winner                          E
Columbus Day
October 12, 2009
                           Christmas Eve
                           Credit Union Closes
                           at 1pm
                                                                                        Cherokee County                                Congratulations to Ms. Rhonda Blakely, this R
                                                                                        Schools opened a new                           year’s lucky winner of the $100.00 Cash Prize
Veterans’ Day
November 11, 2009          Christmas Day
                                                                                        Middle School this                                                               awarded
                           December 25, 2009                                            year in the Woodstock                                                            in this year’s
Thanksgiving Holiday                                                                    area. Pictured to the                                                            ePay Summer
November 26 – 27, 2009     New Year’s Day                                               left (from left to right) is                                                     Sweepstakes.
                           January 1, 2010                                              Rebecca Cooper,                                                                  Ms. Blakely,
STAFF TRAINING                                              Director of Business Development with Credit Union                                                           pictured left
                                                            of Georgia, Kim Cochran, Cherokee County                                                                     with Marketing
Credit Union of Georgia Branch Locations,
Drive-Thru Services, and the MAPS                           School District Board member, Janet Read,                                                                    Department
Department will open at 10:30 on Wednesday,                 Cherokee County School District Board Member,                              Representative, April Starratt, found out that it
November 4, 2009 after Staff Training.                      Elaine Daniel, Principal Mill Creek Middle                                 pays to ePay and picked up her cool $100.00 at
                                                            School, Kathy Bouyett, Business Development                                the Credit Union’s Paulding County branch location
TELL US HOW WE’RE DOING!                                    Representative with Credit Union of Georgia, and                           in September.
                                                            Dr. Frank Petruzielo, Superintendent of Cherokee
Log on to and fill out our                    County Schools accepting a donation of $500 and a
online Member Satisfaction Survey. You could
                                                            plaque for the Media Center.
win a $25.00 Visa® Gift Card!                                                                                                          Credit Union Supports A DAY at
                                                                                                                                       Reinhardt College
                                                        Marietta City Nutrition In-Service                                                                                 Credit Union
                                                                                                                                                                           of Georgia is a
                                                      Nearly 100 service
                                                                                                                                                                           proud supporter
                                                     employees gathered for
                                                                                                                                                                           of the A DAY
                                                    breakfast and training
                                                                                                                                                                           for Reinhardt
                                                    as they prepared for
                                                                                                                                                                           campaign, an
                                                   the upcoming school
                                                                                                                                                                           annual effort to
                                                  year. Groups had a chance to
          678-486-1111                            break-out and visit the Credit                                                                                           provide support
    1-877-590-6226 (toll-free)                   Union of Georgia table to hear about the products, services
                                                                                                                                       for Cherokee County students attending Reinhardt
                                                                                                                                       College. Reinhardt College president, Dr. Thomas                            and special promotions taking place as well as pick up
                                                                                                                                       Isherwood is pictured with Kathy Bouyett
                                                 some promotional goodies. Pictured from left to right are
           Canton Branch                                                                                                               and Rebecca Cooper, with the Credit Union’s
                                                 Rebecca Cooper, Credit Union of Georgia, Tina Ingall,
       535 Riverstone Parkway                                                                                                          Business Development Department and Rick
                                                 Sandy Laffan, Pat Davidson, Marian Freeman,
          Canton, GA 30114                                                                                                             Whiteside of Waleska.
                                                 and Sherry Douglas, of Marietta City Schools Nutrition
                                                 and Jennifer Walters with the Credit Union’s Business
            KSU Branch                           Development Department.
         3333 Busbee Drive                                                                                                             Credit Union Recognizes Marietta
        Kennesaw, GA 30144                                                                                                             City Schools’ Dr. Tim Brown
                                                  KSU Bazaar on
          Marietta Branch                                                                                                              Our congratulations go to Dr. Brown, Assistant
          69 South Avenue
                                                  the Bricks                                                                           Principal of Marietta
         Marietta, GA 30060                                                                                                            High School,
                                                     Despite an afternoon
                                                                                                                                       who was named
                                                      shower, several
          Paulding Branch                                                                                                              Outstanding Career
                                                       hundred students
       4075 Marietta Highway                                                                                                           and Technical
                                                         came out to visit
          Dallas, GA 30157                                                                                                             Educator of the
                                                           with the many
                                                                                                                                       Year by Trade
         South Cobb Branch                                   vendors set up on “The Bricks” at KSU. Students had
                                                                                                                                       and Industrial
          3565 Austell Road                                    an opportunity to learn about the products and
                                                                                                                                       Educators of
         Marietta, GA 30008                                       services offered by the Credit Union and take a
                                                                                                                                       Georgia. Dr. Brown
                                                                     shot at the spin wheel to win a great prize.
                                                                                                                                       is pictured with Credit Union Business Development
         Towne Lake Branch                                              Kathy Bouyett, Business Development
                                                                                                                                       Representative Jennifer Walters, who presented
          3048 Eagle Drive                                                  Representative stayed dry under the
                                                                                                                                       him with a hand-made gift basket, filled with tasty
        Woodstock, GA 30189                                                     Credit Union of Georgia tent with
                                                                                                                                       treats, educational items, and a gift card.
                                                                                     students from KSU!

    To ensure that the credit union is receiving your correspondence
    and payments in a timely manner, please make sure you are sending
    all mail to Credit Union of Georgia at the following address:
    Mailing Address: P.O. Box 2148, Woodstock, GA 30188 -1375
4                                                                                 We Do Business in Accordance with the Federal Fair
                                                                                  Housing Law and the Equal Credit Opportunity Act.