Vol. 19, No. 4, October 2004 New Fixed-Rate Home Equity Loan Available We've added a new loan to our line-up of member-friendly loan products: a fixed-rate home equity loan. Features of this new loan include: ➤ Borrow up to 100% of the available equity in your home ➤ Loan amounts from $5,000 to $300,000 ➤ Non-owner occupied loans up to $49,999 ➤ Maximum loan term of 15 years Use the funds for anything you like - home improvements, debt consolidation, or holiday spending. With a fixed rate home equity loan, you have the flexibility to do whatever you dream about! For more information, call us at (951) 680-1998, option 3, or download an application at servicepluscu.org. Protect Yourself from Identity Theft Did you know that an estimated 9.9 million* Americans were victims of identity theft last year? Typically, it takes 14 months before a victim discovers identity theft – then it can take years to resolve. Don't become identity theft's next victim. There are simple precautions you can take to help keep your identity safe. Our new Anytime Adviser Identity Theft Coach shows you how to protect your personal and financial information, plus alerts you to the warning signs that someone may be using your identity. It puts special emphasis on computer safety, including e-mailing precautions and online shopping security. Learn how to detect phishing e-mails and spoofed Internet sites. Try the new Identity Theft Coach online today at servicepluscu.org/tools. * FTC Survey 2003 International Credit Union Day Celebrates “Dream...Belong...Achieve” For 54 years, credit unions have set aside the third Thursday in October to celebrate International Credit Union Day. Each year, it gives us an opportunity to remember our proud history as we promote understanding and support for the credit union difference. This International Credit Union Day, we are excited to be a part of your dreams and achievements. Thank you for being part of the credit union difference. Important Information Phone: 951-680-1998 Fax: 951-680-1999 Email: firstname.lastname@example.org Internet Account Access/Website: www.servicepluscu.org CU Connect: Local: 951-684-8390 Outside 951 area: 800-424-2055 Anytime Lender: 800-428-3521 Real Estate Loans: 800-574-4556 VISA Lost or Stolen: Business Hours: 951-680-1998 After Hours: 800-991-4965 Auto Expert: 951-680-1998 ext. 132 CO-OP Network ATMs: 888-SITE-COOP Office Hours 9:00 a.m. - 4:00 p.m. (Monday through Thursday) 9:00 a.m. - 6:00 p.m. (Friday and UCR Payday) Credit Union Holidays Columbus Day: Monday, October 11, 2004 Veterans Day: Thursday, November 11, 2004 Thanksgiving Holiday: Thursday, November 25, 2004 and Friday, November 26, 2004 Special Holiday Hours: Closed at 1:00 p.m. Friday, December 24, 2004 and Friday, December 31, 2004 Remember that although our office is closed, you can still access your accounts online at servicepluscu.org. Lucky Numbers This newsletter has two hidden member numbers. If you find your member number, please call, email or write the credit union by October 29, 2004. The winners will receive $20 deposited to their savings account. Can’t find your number? You have a second chance to win! Log onto servicepluscu.org and check for your member number. Good luck! Thanks to Our Volunteer Leaders Board of Directors Susan Marshburn, Chair D. Les Martin, Vice Chair Paula Southard, Secretary Gabe Nwandu, Treasurer Kevin Ferguson Fernand “Mac” McGinnis Wendy Shipley Supervisory Committee Rob Lennox, Chair Valerie Nichols, Secretary Yvonne Rios Karen Tolbert Debbie Van Zanten You’re Invited to a FREE Home Seminar “Home Buying” Tuesday, October 19th, 2004 - 5:15 p.m. “Home Loan Refinance” Wednesday, November 17th, 2004 - Noon Please RSVP – 951.680.1998, ext. 111 Playhouse Winners Congratulations to members Anne and Richard Greene. The Greene's set up a home equity line of credit loan during the “No Place Like Home...Loans!” promotion and won a Little Tykes playhouse, which will come in handy Members Anne and Richard Greene (L, R) and Marketing Director Sharilyn Hunke (C) pose with the Greene's new playhouse. when their seven grandchildren visit. Congratulations! 86500 No “Float” with Check 21 The Check Clearing for the 21st Century Act, nicknamed Check 21, is a new Federal law that will speed up the check clearing process. Beginning October 28, 2004, a check's electronic image can be used to transfer money, rather than the original paper check. Since checks will be processed faster, it will be even more important to have the necessary funds in your account before you write a check. The “float” time you may have enjoyed in the past will no longer exist. For more information, please refer to the enclosed insert. Your share savings in this Credit Union are insured up to $100,000 by NCUA, a U.S. Government Agency, and up to $250,000 by ASI, a private insurer, for a total up to $350,000... the highest combination of federal and private share insurance available. Protecting Yourself from a "Ghost Terminal" Ghost Terminals are showing up nationwide, and we want our members to be aware of the potential risk. Authorities say ghost terminals are a variation of the credit card “skimming” scam, and here's how it works: ➤ A fake touch pad screen is placed over a legitimate card reader and PIN pad on an ATM, using simple adhesive attachments such as two-sided foam tape. ➤ A fake card-dip reader is placed, usually to the right of the screen. These card readers look legitimate, but when used, they disable the legitimate ATMs on which they are placed. Because the machine is disabled and the card never physically enters the machine, no record of their usage is available for analysis, hence the term “Ghost Terminals.” ➤ Cardholders that use the ghost terminal receive error messages stating that the ATM is “out of service” after they have swiped their card. The information that is retrieved from their card along with the captured PIN, can then be used to create counterfeit cards. Be wary of using ATMs with temporary signage or an unfinished appearance. As much as possible, use the same series of ATMs consistently. If you receive an error message after using a suspicious ATM, please call us immediately. Credit Union Volunteer Nominations Service Plus CU's Nominating Committee has been appointed and is seeking interested members for the following positions: two 3-year Board of Director positions, and two 2-year Supervisory Committee positions. The committee is searching for members with a commitment toward the credit union as well as a basic knowledge of the credit union's services. Nominees should have the ability to use sound judgment, accept responsibility and make group decisions with fellow board or committee members. An essential requirement is the willingness to devote the necessary time and energy needed to equip oneself with the skills needed for the job. Enthusiasm and a positive attitude are very important, as is the belief in the purpose and future of credit unions. If you would like the opportunity to represent your peers in making important decisions about Service Plus CU's future, please call CEO Bernie Titus at (951) 680-1998, extension 101, for an application. All applications must be turned in by December 27, 2004 to: Nominating Committee Service Plus Credit Union P.O. Box 55317 Riverside, CA 92517-0317 Or, send email to email@example.com. You may also petition to be on the ballot. Petitions must be signed by at least 74 eligible members and must be received by December 27, 2004. The voting, if needed, is conducted by mail ballot in April. The election results will be announced at the annual meeting on April 26, 2005. If there are no more candidates than openings, nominees will be appointed by general consent at the annual meeting. No ballots will be cast or nominations taken from the floor at the annual meeting. eStatement Reminder... Don't forget to tell us when you change your email address! To ensure that you continue to receive your electronic statement, contact Rhonda Kindle at (951) 680-1998, extension 111, or firstname.lastname@example.org. 240810 2004 Annual Community Drive Service Plus CU will kick-off the 2004 holiday season on November 1, 2004, with the annual Sock and Stuffed Animal Drive. Donation bins will be in the credit union lobby, as well as various departments on the UCR campus. New socks and new or gently loved stuffed animals are desperately needed! If you would like to host a donation bin in your office, contact Rhonda Kindle at (951) 680-1998, extension 111 or email@example.com. My Credit Union Story Dear Service Plus Credit Union, I've used the Credit Union's online service pretty much since you launched it, and have always found it "ahead of the curve." RCFCU (now Service Plus CU) had free internet banking early, introduced bill pay ahead of time, and made it free ahead of the curve. I find myself doing more and more of my banking at my desk -- especially since my work has had me moving around quite a bit during the last few years. When one's away on research or working for UC in Washington, it's especially convenient to be able to access my account and pay my bills online. The good service in person and on line has always been one of the Credit Union's strongest points. Thanks, Randy Head Service Plus Credit Union member since 1992 If Service Plus CU has helped you or made a difference in your life, please share your credit union story with us. Call 909-680-1998.106 or email it to firstname.lastname@example.org. Go Vote! If you have not yet registered to vote in the November 2, 2004, election, you can pick up your voter registration cards in the Credit Union lobby or go online to http://www.ss.ca.gov/elections/votereg1.html. Pardon Our Dust! You may have noticed a little extra dust in our office due to our new lobby construction project. The result will be a more functional and accessible space to better accommodate you during your branch visit. We apologize for the inconvenience and thank you for your patience during construction. In the Community Service Plus CU is a Silver Sponsor of the October debut event, “An Evening at Mario's,” to benefit the Jeffery Owens Community Center. The center promotes the health and well being of gay, lesbian, bisexual and transgender youth and adults in the Riverside and San Bernardino area. Service Plus CU supports the 19th annual Red Ribbon Night Fundraiser, to benefit Project R.A.D. (Riverside Against Drugs). Service Plus CU is a sponsor of “An Evening in Paris,” a fundraising event to benefit the Alannah Foster Family Agency & Homes. The agency provides nurturing homes and support services for children in need. Congratulations to Service Plus CU's Marketing Director, Sharilyn Hunke, for being selected to the 2005 Class of Leadership Riverside. Designed to develop dedicated, knowledgeable men and women as future community leaders, 22 selected community members will participate in a 10-month course learning about Riverside's history, local government, culture and economic development. Membership Rewards If you carry a combined deposit and loan balance of $25,000 or more, the credit union will pay a variety of credit union fees and charges on your behalf. Please review the enclosed fee schedule for details. Thank you for your loyal support of Service Plus CU. Important Information about your VISA Debit & Credit Card Effective October 15, 2004, Service Plus CU Visa Debit and Credit Cards will not be authorized for cash advances at casinos for gaming chips, internet gambling sites, bingo parlors, and other similar venues. Contact the credit union for more information.