Teachers Credit Union Granger Indiana by qbj50148

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                                                                                                                                                                                                                                                                            October 2010
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                                                                                                                                                              October 2010                                                               Exclusively for TCU Honor Role Members


Hearing Tip of the Month:
                                                     You might Call it magiC.

                                                     We Call it
Cigarette Smoking and Your Hearing
It is well known that cigarette smoking
negatively impacts overall health, but
less is known about its impact on hearing.
Smokers are not only affected by nicotine


                                                    Convenient.
directly but also by a number of addi-
tional chemicals including formaldehyde,
arsenic and hydrogen cyanide via inhala-
tion of second hand smoke. Second hand
                                                                                                                                                       Online Shopping
smoke also affects non smokers including                                                                                                               Shopping on the internet can be eco-
children. There is a significantly higher                                                                                                              nomical, convenient and no less safe than
incidence of upper respiratory and middle                                                                                                              shopping in a store or by mail. To help
ear infections among those who smoke,                                                                                                                  keep your online shopping experience a
                                                                                                                                                       safe one:
and smokers are also twice as likely to ex-
perience nerve hearing loss. These prob-                                                                       stant                                                                                                                    Medicare’s AEP
                                                                                              rd faster with in                                        • Know who you’re dealing with. Confirm
lems increase with years of smoking, mak-                                    Get your debit ca U Visa® Check Card.                                       the online seller’s physical address and
ing significant hearing loss more likely as
                                                                             issuance of the T
                                                                                              C                                                          phone number in case you have ques-                                            Beginning Next Month!
a person ages.                                                                                                                                           tions or problems.
We would like to welcome you to an                                                                    Available at certain TCU Service Centers only.   • Know exactly what you’re buying. Read
informational seminar at the Hearing                                                                                                                     the seller’s description of the product                                        Call NOW for your appointment, (800) 936-5373!
and Speech Center at United Health
Services at 6910 N. Main St., Granger,
                                                                                              Join the Crowd – Read                                      closely, especially the fine print.

IN on October 26th at 3:00 p.m. Space                                                         and Rhyme Aloud!
                                                                                                                                                       • Know what it will cost. Factor shipping
                                                                                                                                                         and handling — along with your needs
                                                                                                                                                                                                                                        TCU Insurance Agency’s senior department is moving full
is limited. Please call Leanne at (574)                                                       TCU proudly partners with the Indianapolis-                and budget — into the total cost of the                                        force ahead. If you have frequented a TCU branch in North-
247-6047 extension 103 to reserve                                                             Marion County Public Library to present the No-            order.                                                                         ern Indiana lately you should have seen a poster informing
your seat.                                                                                                                                             • Pay by credit or charge card, for maxi-
                                                                                              vember Read-Aloud. This program strengthens
                                                                                                                                                         mum consumer protections.
                                                                                                                                                                                                                                        you of Medicare’s Annual Election Period that begins on
                                                                                              families’ and daycares’ reading habits by chal-
                                                                                                                                                                                                                                        November 15, 2010. As a reminder, this is the time to have
MEMBER NOTICE                                  October 21st is                                lenging them to read aloud at least four hours
                                                                                              during the month. All participants receive the
                                                                                                                                                       • Check out the terms of the deal, like
                                                                                                                                                         refund policies and delivery dates.                                            your Medicare Prescription Drug plan and/or Medicare Ad-
Has Your Name or                               International                                  following program materials for free: a colorful
                                                                                              log to track reading time, a canvas tote bag
                                                                                                                                                       • Print and save records of your online
                                                                                                                                                         transactions.
                                                                                                                                                                                                                                        vantage plan reviewed to make sure you have the best plan
Social Security                                Credit Union Day                               and other prizes.                                                                                                                         for you in 2011.
                                                                                                                                                       For more details behind the ‘Quick Facts’
                                                                                              The 2010 theme, Join the Crowd – Read and
Number Changed?                                On October 21, credit union members
                                               worldwide will join together to celebrate      Rhyme Aloud, is inspired by Dr. Seuss’ classic
                                                                                                                                                       noted above, visit this page: http://www.
                                                                                                                                                       onguardonline.gov/topics/online-shop-                                            We are excited that we will have agents located at the Por-
If your name has changed, fill out this                                                       children’s book, The Cat in the Hat, and the             ping.aspx
form and return it to:
                                               International Credit Union Day and this
                                                                                              new animated series, The Cat in the Hat Knows                                                                                             tage, Niles, Corporate and University Park Service Centers
                                               year’s theme: Local. Trusted. Serving you.
Teachers Credit Union, ATTN: TIN               Do you remember why you chose Teachers         a Lot About That!™, airing on WFYI, the Li-                                                                                               and also in the Elkhart area during various times. Our two
P.O. Box 1395                                  Credit Union to be your financial services     brary’s November Read-Aloud program partner.                                                                                              veteran agents will continue to see you at the TCU Insur-
South Bend, IN 46624-1395                      provider? It may be among many reasons         Families and daycare groups may register at              A Special Trust for                                                              ance office in Plymouth.
                                               shared by the 186 million people in 97         any Indianapolis-Marion County Public Library
Or contact a TCU Service Center.               countries who have also chosen credit          branch starting Monday, November 1. For more             Individuals with
Backup withholding certification,              unions, but it most likely has something to
                                               do with the common philosophy of people
                                                                                              information, contact the Library’s Programming
                                                                                              Department at (317) 275-4083.
                                                                                                                                                       Special Needs                                                                    We encourage you to call NOW to make an appointment
check the correct box below:
                                               helping people.                                                                                         If you are caring for a disabled spouse,                                         because there are a limited number of timeslots available!
q(A) By signing below,
                                               Unlike most other financial institutions,      A message brought to you by
                                                                                                                                                       child, or other relative, one of your con-                                       No matter where you would like to schedule your appoint-
                                                                                                                                                       cerns may be to providing for the future of
I ________________________________             credit unions are not-for-profit, democrati-                                                            your loved one. However, you don’t want                                          ment, you need to call (800) 936-5373 and the reception-
                                                                                                                                                                                                                                        ist, Wynona, will help you choose a time and location that
         (Print your full name)                cally controlled, volunteer-run, member-
                                               owned cooperatives. They exist to serve                     Savers Club                                 to jeopardize his or her eligibility for gov-
                                                                                                                                                       ernment and private benefit programs.
                                                                                                                                                                                                                                        works best for you. The tellers in the Northern Indiana
certify under penalties of perjury that (1)    their members and that level of service re-
                                                                                                                                                       Fortunately, there is a planning device
the Taxpayer Identification Number (TIN)       mains high even during the toughest times.     Start Investing Early                                    designed to help you meet this need. A
                                                                                                                                                                                                                                        branches also have a “Medicare 101” buck slip with the
Social Security number shown below is my       Instead of issuing stock or paying dividends
                                                                                              Investing small amounts each month may not               special needs trust is specifically arranged                                     telephone number listed for your convenience, just ask
                                               to outside shareholders, credit unions pro-
correct TIN and I am not subject to back-
                                               vide value to their members by returning       seem exciting, but the earlier you start sock-           to provide continued financial assistance                                        them for one.
up withholding either because (a) I have                                                      ing it away the more money you’ll have down              to anyone with a debilitating mental or
                                               earnings in the form of lower loan rates,                                                               physical condition who is under your
not been notified by the Internal Revenue                                                     the road. The reason: Your earnings have time
Service that I am subject to backup with-
                                               higher interest on deposits and lower or
                                                                                              to compound—or grow—over the years.                      care. The trust makes assets available to                                        We look forward to serving you this year during the AEP
                                               even no transaction fees.                                                                               a disabled individual without disqualify-
holding as a result of failure to report all                                                  Let’s compare investing $20,000 a year in a              ing him or her from government benefits,                                         and in the future, and remember there is no cost for this
                                               This year’s theme celebrates the advan-
interest or dividends, or (b) the IRS has      tages of credit union membership. Value,
                                                                                              tax-deferred account that earns a 10% average            such as Supplemental Security Income                                             review!
                                                                                              annual return, starting at age 25 vs. age 35.            (SSI) and Medicaid. One major advantage
notified me that I am no longer subject to     trust and service are just some of the many
                                                                                              The $20,000 that you didn’t save between                 of a special needs trust is that the trustee
backup withholding. I certify under pen-       benefits of being a credit union member.
                                                                                              ages 25 and 35 will cost you $556,000—more               you choose will execute the terms of the
alties of perjury that I am a U.S. person      You are in charge of your money and your
                                                                                              than a half million dollars—by age 65!                   trust long after the financially contribut-
                                               credit union.                                                                                           ing family members have passed away.
(including U.S. Resident Alien).                                                              Make an appointment with a TCU Investment
                                               At Teachers Credit Union, we are proud of                                                               Choosing our organization as your trustee
                                                                                              Representative today. (See back for a list of TCU
                                               our heritage as a cooperative financial ser-   Investment Services Representatives.)
                                                                                                                                                       will ensure that your trust provides the
q(B) A separate W-9 has been completed                                                                                                                 permanence and professional manage-
 (or W-8 in the case of a non-resident         vices provider and our connection to the
                                               more than 54,000 credit unions worldwide.                                                               ment that you desire.
 alien).
                                               On October 21, we’ll join credit unions and
                                               their members around the world to cele-        Holiday Closings                                         Providing financial assistance to a dis-
                                                                                                                                                       abled individual without jeopardizing
Signature: ________________________                                                           TCU Service Centers with the exception
                                               brate International Credit Union Day in rec-                                                            public aid can be a challenge. A special
                                               ognition of the benefits those institutions    of Meijer and Martin’s will be closed on                 needs trust may be an appropriate solu-
Member Number: ___________________             bring to their members.                        Thursday, November 11th, in observance of                tion. For more information please call Tom
                                                                                              Veterans’ Day.                                           Lower, TCU Trust Officer at 574-245-4735
                                                                                                                                                       Ext. 5878.
                                                                                                                                                                                                                                                 Check out our one day trips
Date: ____________________________                                                            All TCU Service Centers will be closed on
                                                  TCU Member Call Center
                                                                                              Thursday, November 25th for Thanksgiving
                                                                                              Day.
                                                                                                                                                       Trust services available through MEMBERS Trust Company, 14025 River-
                                                                                                                                                       edge Drive, Suite 280, Tampa FL 33637, a Federal Thrift Chartered by the
                                                                                                                                                                                                                                                from TCU Travel on the back!
Social Security Number: _____________                                                                                                                  Office of Thrift Supervision. This is for educational purposes only and is not
                                                     (800) 552-4745                           You can access your accounts online at                   intended to provide legal or tax advice regarding your situation. For legal
_________________________________                                                             www.tcunet.com.
                                                                                                                                                       or tax advice, please consult your attorney and/or accountant.
                                                                     NOtre DAMe VS NAVy – DUbLIN IreLAND SePteMber 1, 2012


                                                                                                                                                                                                        TCU Travel Specials
                                                                     Interested in seeing the Fighting Irish play in Ireland? Now is
                                                                     your chance to see the beauty of Ireland and cheer for your favor-
                                                                     ite football team. Four options available:
                                                                     Option 1 - includes 3 nights Dublin, 1 night Waterford/Wexford
                                                                     and 2 nights in Killarney, 6 full Irish breakfasts, 3 hotel dinners,
                                                                     1 dinner with traditional Irish Entertainment, game ticket with
                                                                     boxed lunch, deluxe motorcoach with driver, guide for all trans-
                                                                     fers and sightseeing, admission to Guinness Brewery Storehouse,                                                                    DISNey SPeCIALS

     Exclusively for TCU Honor Role Members                          Trinity College and the Book of Kells, Cobh Heritage Center, plus
                                                                     Blarney Woolen Mills. From $1389 per person land only based on
                                                                                                                                                                                                        you’d be Nutty to Pass this Offer Up!
                                                                                                                                                                                                        Save 25% at select Disney Value Resorts and Disney’s Animal
                                                                     two in a room. Air rates to be advised later.                                                                                      Kingdom Lodge
                                                                     Option 2 - includes 3 nights Dublin, 2 nights Galway, 1 night                                                                      Save 30% at select Disney Moderate Resorts and Disney’s Grand                                                                           APPLe VACAtIONS
                                                                     Limerick, 6 full Irish breakfasts, 3 hotel dinners, 1 dinner with                                                                  Floridian Resort                                                                                                                        New! Chicago, O’Hare non-stop to Costa Rica (Liberia airport)
                                                                     traditional Irish Entertainment, game ticket with boxed lunch,                                                                     Save 40% at select Disney Deluxe Resorts (excludes Animal King-                                                                         Apple Exclusive Vacation Flights on USA3000 Airlines! Costa

One Day Trips                                                        deluxe motorcoach with driver, guide for all transfers and sight-
                                                                     seeing, admission to Guinness Brewery Storehouse, Cliffs of Mo-
                                                                     her, Kylemore Abbey. From $1389 per person land only based on
                                                                                                                                                                                                        dom Lodge and Grand Floridian)
                                                                                                                                                                                                        Save 40% at select Disney Deluxe Villa Resorts
                                                                                                                                                                                                                                                                                                                                                Rica is for everyone – eco-tourists, nature lovers, adventurists,
                                                                                                                                                                                                                                                                                                                                                romantics and families. 7 & 14 nights departing on Fridays,
                                                                                                                                                                                                                                                                                                                                                January 14 – April 22, 2011 7:00 am departures, 5:30 pm re-

from TCU Travel                                                      two in room. Air rates to be advised later.                                                                                        Available most nights Oct 3 – Nov 23 and Nov 27 – Dec 25, 2010                                                                          turns. Charter air-only from $499.99 per person. Guanacaste
                                                                                                                                                                                                        and Jan 1 - Feb 16, 2011. Book by Nov 21, 2010.                                                                                         Beach Hotels available from all inclusive resorts to Luxury ho-
                                                                     Option 3 - includes 3 nights Dublin, 1 night Waterford/Wexford, 4
                                                                     full Irish breakfasts, 1 hotel dinner, 1 dinner with traditional Irish                                                             Free Disney Dining Plan!                                                                                                                tels. Escorted tours and Fly/Drive packages also available. Call
                                                                                                                                                                                                                                                                                                                                                TCU Travel for more details.
Titanic: The Artifact Exhibition at the Indiana State                Entertainment, game ticket with boxed lunch, deluxe motorcoach
                                                                     with driver, guide for all transfers and sightseeing, admission to
                                                                                                                                                                                                        Purchase a 4 night/5 day Magic Your Way room and ticket package
                                                                                                                                                                                                        at select Disney Moderate Resorts (standard room category) and                                                                          We have many wonderful one-day and weekend bus trips.
Museum in Indianapolis - October 13, 2010                            Trinity College and the Book of Kells. From $1078 per person land
                                                                     only based on two in room. Air rates to be advised.
                                                                                                                                                                                                        get a FREE Disney Dining Plan. For arrival most nights Oct 1, 2010
                                                                                                                                                                                                        – Sep 29, 2011. Book by Dec 20, 2010. (Black out dates apply)
                                                                                                                                                                                                                                                                                                                                                Call today for our complete list!
                                                                                                                                                                                                                                                                                                                                                Interested in other tCU travel deals?
South bend and rochester Departure: Includes round trip motor        Option 4 – includes 3 nights Dublin, 1 night Galway, 4 full Irish                                                                  Free Disney Gift Card!                                                                                                                  Go to www.tcutravelagency.com for an updated list of
                                                                                                                                                                                                        Purchase a 5 night/5 day non-discounted Magic Your Way room                                                                             many of our travel offerings.
coach transportation, Museum & Titanic Exhibit admission and tip     breakfasts, 1 hotel dinner, 1 dinner with traditional Irish Enter-
                                                                     tainment, game ticket with boxed lunch, deluxe motorcoach with                                                                     and ticket package at select Walt Disney World Resort hotels and
to driver. $61 per person.                                           driver, guide for all transfers and sightseeing, admission to Trinity                                                              get a Disney Gift Card FREE.
                                                                     College and the Book of Kells. From $1078 per person land only                                                                     FREE $200 Disney Gift Card when you stay at a select Disney Value
Indianaplois: Museum and exhibit admission only. $17 per per-        based on two in a room. Air rates to be advised.                                                                                        Resort
son for Indianapolis members meeting us at the Museum.                                                                                                                                                  FREE $300 Disney Gift Card when you stay at a select Disney Mod-
                                                                                                                                                                                                             erate Resort
                                                                                                                                                                                                        FREE $500 Disney Gift Card when you stay at a select Disney De-
Hawthorne Race Course in Cicero, IL                                                                                                                                                                          luxe or Deluxe Villa Resort                                                                                                    South Bend.................................................................................................................. (574) 232-3389
                                                                                                                                                                                                                                                                                                                                            Granger ...................................................................................................................... (574) 271-0337
October 21, 2010                                                                                                                                                                                        Valid for stays most nights Oct 3 – Nov 23, Nov 27 – Dec 25, 2010
                                                                                                                                                                                                        and Jan 1 – Feb 16, 2011. Book by November 21, 2010
                                                                                                                                                                                                                                                                                                                                            Toll Free ...................................................................................................................... (800) 288-3334
                                                                                                                                                                                                                                                                                                                                            * Prices are per person based on double occupancy. Airport and security charges are additional. Space
Includes round trip motor coach transportation, admission with                                                                                                                                                                                                                                                                                is limited and deposits are required, please contact a TCU Travel Representative for more details.

seating in the Gold Cup Room*, program, lunch of garlic & orega-
no marinated chicken and the tip to the driver. *Gold Cup Room       Do I Save for My Retirement or                                                                                                                                                                                                                                           Americans Unprepared for
dress code is dressy casual. $63 per person from South Bend.         My Children’s Education?                                                                                                                                                                                                                                                 Critical Illnesses
                                                                     Many Americans are facing a difficult choice. Do they save                                                                                                                                                                                                               A critical illness such as cancer, a heart attack, or stroke,
                                                                     for their own retirement or save for their children’s educa-                                                                                                                                                                                                             can reduce a family’s income by more than $12,000 dur-
Firekeepers Casino in Battle Creek, MI                               tion? Here are some things to think about when wrestling                                                                                                                                                                                                                 ing the first year alone — even with medical coverage in
                                                                                                                                                                                                                                                                                                                                              place — largely due to the inability to work, according to
                                                                     with this decision.
November 11, 2010                                                    Are you paying for college or helping to pay?                                                                                                                                                                                                                            a pair of studies released by MetLife.
Includes round trip motor coach transportation, $20 in Red Hot       Some parents decide that their kids should contribute fi-                                                                          FHA Loans Make                                                                                                                        Additionally, families also experience out-of-pocket medi-
                                                                     nancially to their own education because they will better                                                                                                                                                                                                                cal expenses of approximately $3,000 during the first year
Credits for slot play, $5 for food or slot play and the tip to the   appreciate the value of their college education. Other par-                                                                        Homeownership Happen                                                                                                                  after diagnosis.
                                                                     ents ask their kids to contribute to their education because                                                                       FHA loans are providing new opportunities to potential ho-
driver. $30 per person from South Bend.                              they cannot afford to bear the expense completely. In ei-                                                                          meowners across the country. With greater flexibility than
                                                                                                                                                                                                                                                                                                                                              Still, 46% of Americans who work full-time have less than
                                                                                                                                                                                                                                                                                                                                              $5,000 in savings available to cover expenses in the event
                                                                     ther case, this can make a big difference in the amount you                                                                        ever before, FHA is making homeownership happen.
                                                                                                                                                                                                                                                                                                                                              that a member of their family is diagnosed with a major
Christmas Shopping Trips - December 4, 2010                          need to save for your retirement.                                                                                                  Particularly in today’s challenging financial climate, FHA                                                                            illness, while 28% have less than $500, the surveys said.
                                                                     When it’s one or the other                                                                                                         loans are providing homeownership possibilities for credit
Join TCU Travel for our annual Christmas Shopping trips to the       What happens when there just isn’t enough disposable in-                                                                           union members who haven’t been eligible in the past. As                                                                               The MetLife studies found many people are unprepared to
                                                                                                                                                                                                                                                                                                                                              cope with the toll of lost income, as well as the out-of-
Chicago area. Three trips to choose from: Woodfield Mall or Gurnee   come each month to fund both your children’s education                                                                             mortgage insurance has become more difficult to obtain
                                                                                                                                                                                                                                                                                                                                              pocket expenses and other illness-related costs. A critical
                                                                     and your own retirement? Many financial experts agree                                                                              through more conventional means, FHA loans have opened
Mills for $45 or Downtown Chicago for $40 per person from South      that retirement funding should be your first priority.                                                                             the door through their government insurance programs.                                                                                 illness can have a long-term impact — even three to five
                                                                                                                                                                                                                                                                                                                                              years after being diagnosed, 60% of people experienc-
Bend. Includes round trip motor coach and tip to the driver.         Your kids can always borrow money to go to school. You                                                                             How can FHA help you buy a home?                                                                                                      ing these serious medical situations are incurring out-of-
                                                                     can’t borrow to retire. Your kids have decades ahead of                                                                            FHA insured home loans offer many benefits and                                                                                        pocket expenses.
                                                                     them after they graduate to make money and pay the loans                                                                           protections that only come with FHA:
Sunday Brunch & “It’s Beginning To Look A Lot Like                   back. You have decades ahead of you when your savings
                                                                                                                                                                                                        • easier to qualify. Because FHA insures your mortgage,
                                                                                                                                                                                                                                                                                                                                              While all respondents had medical coverage in place,
                                                                     need to support you.                                                                                                                                                                                                                                                     just 7% said they had Critical Illness Insurance (CII),
Christmas” at The Theater at the Center in                           Additionally, your kids can work through college and take
                                                                                                                                                                                                          your credit union can provide you loan terms that make                                                                              while 4% had only cancer insurance. In fact, just 28% of
                                                                                                                                                                                                          it easier for you to qualify.                                                                                                       full-time employees say they have heard of Critical
Munster, IN - December 5, 2010                                       longer than the traditional four years. You may be forced
                                                                                                                                                                                                        • Less-than-perfect credit. You don’t have to have a per-                                                                             Illness Insurance.
                                                                     to retire early due to poor health or a bad economy.
Includes round trip motor coach transportation, champagne                                                                                                                                                 fect credit score to get an FHA loan. In fact, even after                                                                           Receiving a lump sum benefit can make a significant dif-
                                                                     A personal decision                                                                                                                  bankruptcy you can be considered after 2 years of dis-
brunch, play and tip to driver. $85 per person from South Bend.      If you cannot fully fund both your retirement and savings                                                                            charge and good credit has since been established.
                                                                                                                                                                                                                                                                                                                                              ference to families, given that about one in four working
                                                                                                                                                                                                                                                                                                                                              Americans simply don’t know where they could turn to
                                                                     goals, your first step should be to work with a financial
                                                                                                                                                                                                        • Low down payments. FHA loans have a low 3.5% down                                                                                   for financial help if confronted with a critical illness, and
Sunday Brunch and “Sleuth”                                           advisor who can help you make the right choices for your
                                                                     personal circumstances and maximize the potential of what                                                                            payment and that money can come from a family mem-                                                                                  39% cited the need to go into debt — whether borrow-
Theater at the Center, Munster, IN - March 6, 2011                   you can invest.                                                                                                                      ber, employer or charitable organization as a gift. Other
                                                                                                                                                                                                          loan programs don’t allow this.
                                                                                                                                                                                                                                                                                                                                              ing from a bank, from their home equity or from friends
                                                                                                                                                                                                                                                                                                                                              and family. These findings underscore the important role
                                                                     If you have any questions or would like to provide feed-
Includes motor coach transportation, champagne brunch, show          back regarding the information presented in this article,                                                                          • The seller can contribute up to 3% of the home’s price
                                                                                                                                                                                                                                                                                                                                              that Critical Illness Insurance, along with other protec-
                                                                                                                                                                                                                                                                                                                                              tions such as Disability Income Insurance, can play in
ticket with program and tip to the driver and wait staff. $85 per    you may contact a TCU Investment Services Representative.                                                                            toward closing costs through a seller’s concession.
                                                                                                                                                                                                                                                                                                                                              strengthening a family’s financial safety net.
person from South Bend.                                              *Spending and Investing in Retirement, 2006, LIMRA International, Inc., and the Society of Actuaries .                             • Costs less. FHA loans have competitive interest rates be-
                                                                                                                                                                                                                                                                                                                                              To learn more about Critical Illness Insurance, either
                                                                     Representatives are not tax advisors. For more information regarding your specific tax situation, please                             cause the Federal government insures the loans. Always
                                                                     consult a tax professional. For legal advice, consult an attorney. Representatives are registered, securities                                                                                                                                                            for employers to offer employees on a voluntary self-
                                                                                                                                                                                                          compare an FHA loan with other loan types.
                                                                     are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member                                                                                                                                                                  paid plan, or for individuals, contact TCU Insurance at
Chicago Flower Show at Navy Pier                                     FINRA www.finra.org / SIPC www.sipc.org , a registered broker/dealer and investment advisor, 2000 Heri-
                                                                     tage Way, Waverly, Iowa 50677, toll-free (866) 512-6109. Nondeposit investment and insurance products
                                                                                                                                                                                                        Give us a call today to learn more about how an FHA loan                                                                              (800) 772-8043.
                                                                                                                                                                                                        can assist you.
March 10, 2011                                                       are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed
                                                                     by the financial institution. CBSI is under contract with Teachers Credit Union, through TCU Investment
Includes motor coach transportation, show admission and tip to       Services, to make securities available to members. CUNA Brokerage Services, Inc., is a registered broker/




                                                                                                                                                                                                        8
                                                                     dealer in all fifty states of the United States of America. FR040818-7E59                                                                                      Visit www.tcumortgage.com to learn more



                                                                                                                                                                                                                                                                                                                                                                 8
the driver. $58 per person from South Bend.                          Waylon Peterson, Sr. Vice President, CFP–Corporate ................................................(574) 284-6210 x 2
                                                                     Jeneen Crane, Program Manager, CFP–Corporate .............................................(574) 284-6210 x 5598
                                                                                                                                                                                                                                    about TCU Mortgage, check our rates, apply
                                                                                                                                                                                                                                                                                                                                                                                               Apply for a quote online at
                                                                                                                                                                                                                                    online or use our online calculators to help
                                                                     Paul Schaefer, CFP, CLU, ChFC–Ireland Rd., Plymouth ........................................(574) 291-2181 x 5548
                                                                                                                                                                                                                                    you decide what mortgage is best for you.                                                                                                                  www.tcuinsurance.com.
                                                                     Therese Kantar, CFP–Wealth Management Center ............................................(574) 245-4735 x 6249
                                                                     Dan Woodhouse, CFP–Shadeland .....................................................................(800) 876-1224 x 5741
                                                                                                                                                                                                        Beth Green ...........................................(574) 232-7014 x 5863 | (800) 876-7014 x 5863 | South Bend
                                                                     Randy Tarter, CFP–Avon...................................................................................(877) 688-5990 x 5306
                                                                                                                                                                                                        John Toby.............................................(574) 232-7014 x 5862 | (800) 876-7014 x 5862 | South Bend
                                                                     Felicia Cox–Park 100 ......................................................................................(317) 299-9941 x 5643
                                                                                                                                                                                                        Teresa Dahlgren ................................... (574) 255-4754 x 5600| (800) 866-4754 x 5600 | Mishawaka
                                                                     Jennifer Lies, CFP–Mishawaka .........................................................................(574) 255-4754 x 5709                                                                                                                                               South Bend/Mishawaka .............................................................. (574) 256-6070 | (800) 772-8043
                                                                                                                                                                                                        Linda Rodriguez ........................................ (574) 269-4487 x 5815 | (800) 879-4587 x 5815 | Warsaw
                                                                     Harold Heierman–Warsaw ................................................................................(574)267-3150 x 5833                                                                                                                                               South Bend/Portage Rd. ............................................................. (574) 247-0378 | (800) 772-8043
                                                                                                                                                                                                        Lori Nicklas ........................................... (219) 462-4621 x 5788 | (800) 644-4621 x 5788 | Valparaiso
                                                                     Randy Lemert–Walkerton ...............................................................................(574) 586-3143 x 5791
            For more information or reservations call                DeAnna Scott–Huntington ................................................................................(260) 358-0071 x 5506
                                                                                                                                                                                                        Terry Kuehl .....................................................................................(317) 299-9941 x 5646 | Park 100
                                                                                                                                                                                                        Jenny Rutledge....................................................................... (765) 364-0689 x 5395 | Crawfordsville
                                                                                                                                                                                                                                                                                                                                               Elkhart/CR6 ............................................................................... (574) 256-6070 | (800) 772-8043
                                                                                                                                                                                                                                                                                                                                               Niles, MI ..................................................................................... (269) 683-6700 | (877) 438-2846
            TCU Travel (574) 232-3389.                                                                                                                                                                  Jeff Oman ................................................................................ (317) 780-780-1007 x 5451 | Emerson         Indianapolis/Emerson .................................................................. (317) 780-1007 | (800) 772-8043

								
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