TO HELP YOU THROUGH YOUR FURLOUGH

							      Altura Credit Union is your partner
                 TO HELP YOU THROUGH
                 YOUR FURLOUGH
      We respect the sacrifice that you must make to help the University through these
      challenging economic times. We’re here to help by offering you a guaranteed,
      personal line of credit to make up for the income you are forfeiting. With a line of
      credit the money is available to you when and if you need it.

      How We Can Help
                                                                                                                                  Financial Workshop
            Borrow up to $10,000 from your guaranteed line of credit*
                                                                                                                                  We invite you to join us for a special
            Rates as low as 3.49% APR*                                                                                            Financial Workshop to learn how to
            Repayment term – Up to 36 months, with a 12 month draw period                                                         create a working budget and stick to it.
            Loan processing fee waived ($55 value)                                                                                Building a Better Budget
            No pre-payment penalty                                                                                                Thursday, November 12, 2009
            Online transfers – manage your draw from online banking with                                                          6:00 p.m. - 7:30 p.m.
            pre-set recurring transfers each pay period
                                                                                                                                  Altura - University Ave. Branch
                                                                                                                                  1616 University Ave.
      Membership Benefits                                                                                                         Riverside, CA 92502
      As a Member of Altura Credit Union you have access to the financial                                                         RSVP at www.Alturacu.com/ucrfurlough
      services and tools you need to be successful.
            VIP Checking – As an employee of UCR, you qualify for an
            interest-bearing checking account with no monthly fee and
                                                                                                                                  For an updated list of workshops
            a guaranteed Visa credit card with a minimum $500 limit                                                               available to you, please visit
            (payroll direct deposit required).                                                                                    www.Alturacu.com/workshops.
            Balance financial fitness program – 24/7 certified financial
            counseling, educational materials, and online self-paced courses.                                                     Not a Member?
            Financial Workshops – Choose from a variety of no-cost workshops
            to help you with budgeting, understanding credit reports, estate and                                                  You qualify for membership. Visit your
            retirement planning, investment strategies and more.                                                                  local branch and join today.
                                                                                                                                       University Ave. Branch
      For information on how to take advantage                                                                                         David Fisher, Branch Manager
      of this special UCR Furlough Loan Program,                                                                                       1616 University Ave.
      please call 951-571-5014.                                                                                                        Riverside, CA 92502
                                                                                                                                       951-248-9000
                                                                                                                                       dfisher@Alturacu.com




                                        The City of Riverside, home of Altura’s headquarters, has long been
                                        considered one of the fastest growing cities in the country. Having a
                                        foundation in strong higher-education facilities as well as community
                                        and small business support will help this region emerge prosperously
                                        from the economic challenges we all currently face.




              Federally insured to at least $250,000.
* Annual Percentage Rate. Best rate on approved credit and requires payroll direct deposit and automatic loan payment transfer from Altura checking
  account. Loan amount is based on the amount of your pay reduction. Guaranteed loan requires proof of employment with UCR. Only one loan per
  Altura Credit Union member. Member must be in good standing. Offer expires August 31, 2010. A one time $12 membership fee applies for non-members.