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      BMCU Bulletin                                                               Blue Mountains Credit Union December 2008
                                                                                                                                                                              BSB 802-084

                                                                     More Generous
                                                                     Christmas Greetings
                                                                     First of all, may I take this opportunity to wish every one of you a very
                                                                     Merry Christmas and Peace, Prosperity and Happiness in 2009.
                                                                     It’s been a very busy year at BMCU, what                            So you always get better value from your
                                                                     with the merger with Sydney Credit Union,                           relationship with BMCU.
                                                                     and more importantly all the hard work that
                                                                                                                                         A couple of examples, designed to help the
                                                                     went into creating and implementing our
                                                                                                                                         Christmas or holiday budget, are detailed
                                                                     new brand.
                                                                                                                                         in this bulletin. Our special Christmas Loan
                                                                     Our new business philosophy, More                                   offers outstanding value and I would urge
                                                                     Generous Banking, has set high standards                            you to consider it.
                                                                     for us and we intend to keep it in the back                                                   from
                                                                     of our minds in everything we do for you.                                          Ashley Jennings
                                                                                                                                                                  (CEO )

    To help you celebrate this Christmas
    1% pa off our Personal Loan rate*
    and NO repayments until February 2009…
    but only for a limited time
     Just in time for the Christmas and Holiday season comes our                                         until next February, so you can use all the money you borrow
     More Generous special Christmas loan. With a 1% pa discount                                         to have a better time.
     off our personal loan rate* you’ll be able to do more while                                         Also there are no monthly fees, no restrictions on extra
     saving plenty. Plus you don’t have to make your first repayment                                     repayments and no penalties for paying your loan early.
                   Talk to us soon about getting your Christmas and holiday budget back on track.
    * Based on an unsecured personal loan. Minimum loan amount $2000. Terms and conditions, fees and charges apply and are available upon request. All loans subject to SCU lending criteria.

 Information in this newsletter was correct at time of printing and subject to change. For all loans, terms and conditions, fees
 and charges and approval conditions apply. Details such as current interest rates, comparison rates, fees and charges, etc                               Member Contact Centre

                                                                                                                                                        13 61 91
 are available on our website or by contacting any branch. These articles do not take into
 account your personal needs and financial circumstances and therefore you should consider whether the product is appropriate
 for you. Sydney Credit Union Limited (ABN 93 087 650 726, AFS Licence Number 236476) recommends that you read the Member
 Information Guide, available to you, prior to acquiring the products.

                                                  Sydney Credit Union Ltd. 19 Second Ave Blacktown NSW 2148 ABN 93 087 650 726 AFSL 236476
                                               Please address all mail to PO Box 444 Blacktown NSW 2148
BMCU Bulletin December 2008

                                                                                                                                          Branch Locations

 $14,000 to be won!
                                                                                                                                    • Baulkham Hills
                                                                                                                                      Shop 36, Stockland Mall Olive Street
                                                                                                                                     (Mon–Fri 9am – 4.30pm, Sat 9am – 11.30am)
                                                                                                                                    • Bondi Junction
                                                                                                                                      35 Spring Street

 Splash out with your
                                                                                                                                      (Mon–Fri 9am – 4.30pm, Sat 9am – 11.30am)
                                                                                                                                    • Campbelltown
                                                                                                                                      Shop U012, Macarthur Square Gilchrist Drive,

 Visa Card
                                                                                                                                      (Mon–Fri 9am – 4.30pm, Sat 9am – 11.30am)
                                                                                                                                    • Fairfield
                                                                                                                                      111 Ware Street
                                                                                                                                      (Mon–Fri 9am – 4.30pm, Sat 9am – 11.30am)

 this summer
                                                                                                                                    • Greenacre
                                                                                                                                      138 Waterloo Road
                                                                                                                                      (Mon– Fri 9am – 4.30pm)
                                                                                                                                    • Katoomba

 and Win!
                                                                                                                                      63 Pioneer Place
                                                                                                                                      (Mon to Fri 9am - 4.30pm)
                                                                                                                                    • Leichhardt
                                                                                                                                      7–15 Wetherill Street
                                                                                                                                      (Mon–Fri 9am – 3.30pm, Sat 9am – 11.30am)
                                                                                                                                    • Marrickville
 Your Visa card is one of the most useful                                                                                             296 Marrickville Road
 access cards you can carry. It can be                                                                                                (Mon–Fri 9am – 4.30pm, Sat 9am – 11.30am)
 used anywhere in the world where Visa is                                                                                           • Mascot
                                                                                                                                      1197 Botany Road
 accepted … ATMs, retailers, even over the                                                                                            (Mon–Fri 9am – 4.30pm, Sat 9am – 11.30am)
 phone and online.                                                                                                                  • Parkes
                                                                                                                                      189 Clarinda Street
 This summer, Visa and BMCU are giving                                                                                                (Mon–Fri 9am – 4.30pm)
 away up to $14,000 in cool cash. Winning                                                                                           • Parramatta
                                                                                                                                      Horwood Place
 some of that will certainly help you to cool                                                                                         (between George & Phillip Streets)
 things down!                                                                                                                         (Mon–Fri 9am – 4.30pm)
                                                                                                                                    • Penrith
 So between 1 December 2008 and 31                                We’re giving away $1,000 cash every week                            23 Riley Street
 January 2009, use either your Visa Debit                         for 9 weeks. The more times you use your                            (Mon–Fri 9am – 4.30pm, Sat 9am – 11.30am)
 or your SCU Low Rate Visa Credit Card and                        Visa card during the promotional period, the                      • Punchbowl
                                                                                                                                      234 The Boulevarde
 press ‘credit’ when making any purchase                          more entries you receive. The more entries                          (Mon–Fri 9am – 4.30pm)
 – in person, online or over the phone –                          you have into the draws, the more chances                         • Rockdale
 and you will receive an entry into that                          you have to win!                                                    Shop 5 Rockdale Plaza
                                                                                                                                      (Mon–Fri 9am – 4.30pm, Sat 9am – 11.30am)
 week’s draw for $1,000 cash.
                                                                  All entries will also go into the draw for the                    • Springwood
                                                                                                                                      268 Macquarie Road
 There’s no entry forms to fill out, no                           $5,000 major prize, which will be drawn at                          (Mon to Fri 9am to 4.30pm, Sat 9am - 11.30am)
 websites to visit, no SMSs to send. All                          the end of the promotional period.                                • St. George Hospital
 qualifying purchases are automatically                                                                                               Cafeteria, Belgrave Street Kogarah
 recorded as an entry, so you don’t need to                       The beauty of winning cash is that you get                          (Mon–Fri 10am – 2pm)
 do a thing to enter, other than make sure                        to spend your prize wherever and however                          • Sydney City
                                                                  you want!                                                           210 Clarence Street
 you press credit whenever you use Visa                                                                                               (Mon–Fri 9am – 4.30pm)
 this summer.                                                                                                                       • Windsor
                                                                  So do all your Christmas shopping on your
                                                                                                                                      Shop 7-8, 251 George Street
 There’s no limit to the number of                                Visa card to give yourself the maximum                              (Mon–Fri 9am – 4.30pm, Sat 9am – 11.30am)
 entries you can make, meaning the                                number of entries (with the debit card, just                      • ADMINISTRATION
 more you use your Visa the more                                  make sure you press credit every time!).                            Blacktown
                                                                                                                                      19 Second Avenue NSW 2148
 chances you have to WIN!                                                                                                             Phone: 13 61 91
                                                                                                                                      Fax (02) 9678 2181 (Mon–Fri 9am – 5pm)

                 If you need any more information,
                    please call 13 61 91 or go to
                         or visit any branch.
                                                                                                                                  Sydney Credit Union Ltd. 19 Second Ave Blacktown NSW 2148.
 This Promotion has been authorised under Permit Nos: NSW Permit No. LTPS/08/ 10955, VIC Permit No. 08/ 5117, ACT Permit No.                    ABN 93 087 650 726 AFSL 236476
 TP08/ 4553, SA Permit No. T08/ 4405. Full terms and conditions are available on our website, or     Please address all mail to PO Box 444 Blacktown NSW 2148
 at any BMCU branch.                                                                                                             

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