MasterCard Balance Transfer Put Your Debt on a Diet…

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					                                                          WINTER, 2009

          Share the                                         Go ahead and “share the love” – tell
                                                            everyone you care about that there’s a
                                                            financial institution that cares about the
                                                            people it serves. It’s love that lasts a life
                                                            time. “Share the Love” membership drive
                                                            ends February 28, 2009 so pass along the
                                                            referral form today.
 Membership Drive
W ea know how much youHealthCare
     member of Broward
                       love being
                                                                     Share the
                                                                                                                      Please welcome

Federal Credit Union. With good reasons,                                                          _________________________________________
like Free checking, lower loan rates,                                                                                   (New Member Name)

Free online banking, Free bill pay and
other great services.                                        Membership Drive                           to Broward HealthCare Federal Credit Union.

Now is the time for you to share the love                    Existing Member Information:
with family members and co-workers.
                                                             __________________________________                          _______________________
                                                             Name                                                        Best phone number to reach you at
Because, every time you refer someone
who joins, you’ll receive $10. refer 10                      ____________________________________________________________
members, get $100.                                           email address (optional)

And, since we want it to be love at first                    Give this form to someone you want to share the love with and have them bring it with them when
sight, we’ll give your referral a Free gift                  they open their new account. We will deposit $10 to your account once the new member account is
when opening their new account.                              opened. Form must be turned in to receive your $10. New member must be 18 years of age or older.

MasterCard Balance Transfer: Put Your Debt on a Diet…
3.9% APR* foR 6 MonThS!
I   f overspending during the holidays has left your credit card balance bloated, it’s time to put your debt on a diet! roll your
    high interest balances from other credit card lenders over to your Broward HealthCare FCU Platinum MasterCard and
      reduce your finance charges. Pay a low 3.9% APr* for 6 months.
             exercise this smart strategy and watch your debt shrink. And you won’t gain any extra fees with us – there are NO
              balance transfer fees! Apply now and get your finances in shape in no time. Offer good only through March 31, 2009.
               Already have our MasterCard? Simply call our loan department with your balance transfer information, stop
               by one of our branches for a transfer form or log onto our website and download the form. Don’t have our
               Platinum MasterCard? Apply today online or in person and take advantage of the savings.
              *Annual Percentage Rate. Credit card approval is subject to credit union lending guidelines.
    Plan to Attend our                           NEW
    Annual Meeting
     B roward the North Broward Medical Center, 201 e. Sample
       held at
               HealthCare FCU’s 51st Annual Meeting will be

    road on March 31, 2009.

    Officials will present reports on the past year’s activities and
    the operation of the credit union will be reviewed. The Annual
    Meeting is an opportunity to hear about the progress of your
    credit union as well as to meet with the elected members who
    serve voluntarily to represent you.

    Call for Volunteers
    The credit union tradition of “people helping people” is actively
                                                                        Direct Deposit = Rapid Refund
    at work in the form of the credit union’s Board of Directors
    and Committees. The Board and Committees are comprised of
    credit union members who volunteer their time and effort to
                                                                         E arly agree:and those whoa wait till involved,
                                                                                       when there’s refund
                                                                                                                April 15

                                                                        the sooner you get it the better.
    continuing the overall success of our financial cooperative.
                                                                        Sign up for Direct Deposit of your tax refund check
                                              If you would like to      to Broward HealthCare FCU and there’s no waiting
                                              serve as a volunteer      for the check to make its way via snail mail from
                                              for the credit union,     the IrS to your mailbox, no chance of mail fraud
                                              call Dan Walker at        and no trip to the credit union to make a deposit.
                                              (954) 625-3660 to         Deposit your refund into savings and it’s earning
                                              request an appli-         dividends right away. Deposit into checking and
                                              cation for candidacy.     it’s ready to spend as soon as you are. When filing,
                                              Applications must         just select the Direct Deposit option and use our
                                              be filed no later than    routing number: 267081927. It’s that easy!
                                              January 31, 2009.

                                                                                     Holiday Closings
                                                                            Martin Luther King Jr. Day • Monday, January 19, 2009
Winner of the Ultimate Tailgate                                                 Presidents’ Day • Monday, February 16, 2009

(sponsored by
Enterprise Car Sales)

M e m b eand Sahguest
         r       eila
will be enjoying a                                                          Scoreboard
Dolphins game and, for
                                                                                                 NOVEMBER 2008       NOVEMBER 2007
the pre-game tailgate,
a $25.00 Publix Gift                                                       members                      7,203               7,215
Certificate, portable
grill and cooler.                                                          Loans             $
                                                                                              17,415,669 15,105,051

                   Pictured from left to right: Deborah Friday,            ASSETS            $
                                                                                              33,873,168 31,874,742

                     Marketing Manager Enterprise Car Sales;
                                          Member Sheila Wade;
              Heather Mobayed, Credit Union Branch Manager
Thank You to our Generous Members!                                                                                                          We’ve Added over
                                                                                                                                            3,500 Locations to
  T hanks toCredit generous donations Broward HealthCare
                   Union raised $3,000 for Gilda’s Club of                                                                                  Serve You!
South Florida and donated $500 worth of toys to the Pompano
Pediatric Center.

Gilda’s Club is a free cancer support community for women,
men, children, and teens with all types of cancer. For more
information, go to
                                                                                                                                             Y es, you readmore than 3,500
                                                                                                                                               now have
                                                                                                                                                            that right – you

                                                                                                                                            offices where you can go to transact
                                                                                                                                            most of your routine Broward
                                                                                                                                            HealthCare FCU business.

                                                                                                                                            It’s all about sharing. Credit unions
                                                                                                                                            have joined together and created
                                                                                                                                            Shared Service Center locations
                                                                                                                                            around the country. Broward
                                                                                                                                            HealthCare FCU is now a partici-
                                                                                                                                            pating credit union, and now you
                                                                                                                                            are able to conduct most of your
(From left to right) Dan Walker, CEO                                                                                                        credit union business as if you were
BHCFCU; Shelley Goren, President/CEO                                                                                                        in one of our branches. By sharing
Gilda’s Club South Florida; Debbi Pete,                                                                                                     facilities, credit unions can offer
Branch Manager Broward HealthCare
                                                                                                                                            greater convenience for members to
Headquarters at Broward General Medical
Center; Rosa Gordon, Director of Business                                                                                                   access their accounts in many more
Development.                                                                                                                                locations.
                                                                                        Children at Pompano Pediatric
                                                                                     Center receive toys donated by our                      At a shared Service Center,
 first Quarter Dividends                                                                            generous members.                        you can:
                                                                                                                                               n make a deposit
 Average Daily Balance                   Dividend Rate APY*                                                                                    n withdraw funds
Shares above $250..................0.50% .. 0.50%                                                                                              n make loan payments
                                                                                                                                               n transfer funds
Classic Checking above $750 ...0.25% .. 0.25%                           Loan Rates*                       Effective 2/1/2009                   n and more!
RewARDS CheCking**
 Up to $25,000 .......................3.98% .. 4.05%                   new Cars................................ 4.24% - 17.99%              Chances are there is an office near
 Over $25,000......................... .50% .... .50%                  Used Cars ............................... 4.74% - 17.99%             your home, work or in a city you’re
                                                                                                                                            traveling to.
Clubs above $100..................... .50% .... .50%                   Personal ................................. 8.49% - 17.99%
MOneY MARkeT                                                           Line of Credit.......................... 8.49% - 17.99%              All you will need is your account
 $0 - $2,499.99......................0.00% .. 0.00%                    MasterCard ............................. 8.49% - 17.99%              number and valid form of ID to
                                                                                                                                            access your account.
 $2,500 - $9,999.99 ..............1.00% .. 1.00%                       Boats ....................................... 6.50% - 17.99%
 $10,000 - $24,999.99..........1.29% .. 1.30%                          new Motorcycles ..................... 5.24% - 17.99%                 Wi t h o v e r 3 , 5 0 0 l o c a t i o n s
                                                                       Used Motorcycles .................... 5.24% - 17.99%                 nationwide, and more than 200
 $25,000 - $49,999.99..........1.74% .. 1.75%                                                                                               offices right here in Florida, when
 $50,000 & over.....................2.23% .. 2.25%                     home equity LOC......Prime +1.25% - Prime +9.25%                     you need “personal” service and
iRAs..........................................2.24% .. 2.26%           home equity .......... Prime +1.25% - Prime +10.25%                  our branch is not within your reach,
                                                                                                                                            chances are there will be a Shared
Share Certificates .........................Call for Rates             *All rates are annual percentages (APR). Rates are declared by the   Service Center close by.
 *Annual Percentage Yield. Please contact the Credit Union at          Board and subject to change at any time. Rates are current as of
  954-625-3660 for further information about the rates and terms.      2/1/2009. Rate determined by terms and individual credit history.
                                                                       Rates shown above reflect the maximum discounts available. Please    For locations near you, visit
 **Must meet Rewards Checking requirements to qualify for dividends.
                                                                       contact your loan representative for more details.          or call
                                                                                                                                            1-800-919-CUSC (2872).
Privacy Statement
 B     roward HealthCare Federal Credit Union,
       your member-owned financial institution, is
                                                           We may also disclose nonpublic personal information
                                                           about you under circumstances as permitted or required
committed to providing you with competitive products       by law. These disclosures typically include information                         Main Office
and services to meet your financial needs and help         to process transactions on your behalf, conduct the                     2350 W. Commercial Blvd.
you reach your goals. We are equally committed             operations of our credit union, follow your instructions                 Ft. Lauderdale, FL 33309
                                                                                                                                        Tel (954) 625-3660
to protecting the privacy of our members. Under            as you authorize, or protect the security of our financial
                                                                                                                                        Fax (954) 730-0357
federal law, we are required to give you this privacy      records.
notice. It describes our credit union’s privacy policy                                                                          Drive-Thru Transaction Lanes
                                                           To protect our members’ privacy, we only work with
and practices concerning the personal information                                                                          Monday - Wednesday 8:00 a.m. - 5:00 p.m.
                                                           companies that agree to maintain strong confidenti-
we collect and disclose about our members. It also                                                                          Thursday & Friday 8:00 a.m. - 6:00 p.m.
                                                           ality protections and limit the use of information we
includes information about the parties who receive                                                                                     Lobby Hours
                                                           provide. We do not permit these companies to sell the
personal and sometimes nonpublic information from                                                                            Monday, Tuesday, Thursday & Friday
                                                           information we provide to other third parties.
us as we conduct the business of the credit union.                                                                                  8:00 a.m. - 5:00 p.m.
                                                           DISCLoSURE of InfoRMATIon ABoUT                                    Wednesday 10:00 a.m. - 5:00 p.m.
If after reading this notice you have questions, please
                                                           foRMER MEMBERS
contact us at 1-800-551-3851 or (954) 625-3660 or                                                                                Drive-Thru ATM & Depository
write to: Broward HealthCare Federal Credit Union,         If you terminate your membership with Broward                            Available 24 hours a day
2350 W. Commercial Blvd., Ft. Lauderdale, FL 33309.        HealthCare Federal Credit Union, we will not share
                                                           information we have collected about you, except as                    Broward Health Headquarters
                                                           may be permitted or required by law.                               at Broward General Medical Center
We collect nonpublic personal information about you                                                                                303 Southeast 17th Street
                                                           hoW WE PRoTECT YoUR InfoRMATIon
from the following sources:                                                                                                         Ft. Lauderdale, FL 33316
                                                           We restrict access to nonpublic personal information
• Information we receive from you on applications                                                                             Monday, Tuesday, Thursday, Friday:
                                                           about you to those employees who need to know that
  and other forms                                                                                                                   8:00 a.m. - 5:00 p.m.
                                                           information to provide products or services to you. We
• Information about your transactions with us              maintain physical, electronic, or procedural safeguards            Wednesday: 10:00 a.m. - 5:00 p.m.
                                                           that comply with federal regulations to guard your
• Information we receive from a consumer reporting                                                                              North Broward Medical Center
                                                           nonpublic personal information.
  agency                                                                                                                             201 East Sample Road
                                                           WhAT MEMBERS CAn Do To hELP                                             Pompano Beach, FL 33064
• Information obtained when verifying the infor-
  mation you provide on an application or other            Broward HealthCare Federal Credit Union is                              New Hours Effective 8/1/08:
                                                                                                                              Monday, Tuesday, Thursday, Friday
  forms; this may be obtained from your current or         committed to protecting the privacy of its members.
                                                                                                                              8:00 a.m. - Noon/1:00 p.m. - 4:30 p.m
  past employers, or from other institutions where you     Members can help by following these simple guide-
  conduct financial transactions                           lines:
                                                                                                                             10:00 a.m. - Noon/1:00 p.m. - 4:30 p.m.
We may disclose all of the information we collect, as      • Protect your account numbers, plastic card numbers,
described above, as permitted by law.                        personal identification numbers (PINs) or passwords.               Imperial Point Medical Center
                                                             Never keep your PIN with your card. The PIN can                       6401 N. Federal Highway
PARTIES Who RECEIVE InfoRMATIon                                                                                                    Fort Lauderdale, FL 33308
                                                             provide free access to your accounts if your card is
                                                             lost or stolen.                                                      New Hours Effective 8/1/08:
We may disclose nonpublic personal information about                                                                     Monday 8:00 a.m. - Noon/1:00 p.m. - 4:30 p.m
                                                           • Use caution when disclosing your account numbers,                          Tuesday Closed
you to the following types of third parties:
                                                             social security numbers, etc. to other persons. If         Wednesday 10:00 a.m. - Noon/1:00 p.m. - 4:30 p.m
• Financial service providers, such as insurance             someone calls you explaining the call is on behalf of                      Thursday Closed
  companies and mortgage service companies                   the credit union and asks for your account number,           Friday 8:00 a.m. - Noon/1:00 p.m. - 4:30 p.m
• Non-financial companies, such as consumer                  you should beware. Official credit union staff will
  reporting agencies, data processors, check/share           have access to your information and will not need
                                                                                                                                Coral Springs Medical Center
  draft printers, financial statement publishers/            to ask for it.
                                                                                                                                     3000 Coral Hills Drive
  printers, plastic card processors, government            • Keep your information with us current. If your address                 Coral Springs, FL 33065
  agencies and mailhouses                                    or phone number changes, please let us know. It is                    New Hours Effective 8/1/08:
DISCLoSURE of InfoRMATIon To PARTIES                         important that we have current information on how                          Monday Closed
                                                             to reach you. If we detect potentially fraudulent or        Tuesday 8:00 a.m. - Noon/1:00 p.m. - 4:30 p.m
                                                             unauthorized activity or use of an account, we will                      Wednesday Closed
In order for us to conduct the business of the credit        attempt to contact you immediately.                         Thursday 8:00 a.m. - Noon/1:00 p.m. - 4:30 p.m
union, we may disclose all of the information we                                                                          Friday 8:00 a.m. - Noon/1:00 p.m. - 4:30 p.m.
collect, as described above, to other financial institu-   Let us know if you have questions. Please do not
tions with whom we have joint marketing agreements,        hesitate to call us – we are here to serve you!
to other companies that perform marketing services                                                                             (24 Hour Audio Response System)
on our behalf, or to nonaffiliated third parties for the   Broward HealthCare Federal Credit Union
                                                                                                                                    Broward: (954) 355-4927
purposes of processing and servicing transactions that     2350 W. Commercial Blvd.
you request or authorize, so that we may provide           Ft. Lauderdale, FL 33309                                            Outside Broward: 1 (800) 551-3851
members competitive products and services.                 Toll Free: 1-800-551-3851
                                                           Phone: (954) 625-3660

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