Calculators for Credit Card Payoffs

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					                                                                                                                                                                      Common “In terest”
                                                                                         HOURS OF OPERATION


                                                                                                                                                                             “         ”
                                                                                           Lobby

                                   GETTING A VISA CREDIT CARD                              Monday - Tuesday: 9:00 AM - 5:00 PM
                                                                                           Wednesday: 11:00 AM - 5:00 PM                      PRODUCTS &
                                                                                           Thursday - Friday: 9:00 AM - 5:00 PM
                                   JUST GOT EASIER...                                                                                          SERVICES:
                                                                                           Drive-Thru
                                   In addition to our regular VISA                         Monday & Tuesday: 9:00 AM - 5:00 PM                Savings Accounts

  REMINDER:    OUR WEDNESDAY       Classic Credit Card, DOCO also                          Wednesday: 9:30 AM - 5:00 PM
                                                                                           Thursday & Friday: 9:00 AM - 5:00 PM
                                                                                                                                                 Life Savings
                                                                                                                                                                                 July - September 2005
                                   offers a Share Secured VISA Clas-                                                                              Insurance
  BUSINESS HOURS HAVE CHANGED.     sic Credit Card. College stu-
                                                                                           Saturday (Albany locations only): 9AM-1PM
                                                                                                                                              Classic Checking
          Drive-Thru:              dents or individuals who have                         TELEPHONE TELLER                                    Classic Plus Checking
      9:30 AM - 5:00 PM            not yet established credit may
                                   be eligible for a Share Secured
                                                                                         Local:
                                                                                         Out-of-Town:
                                                                                                             (229) 432-8268
                                                                                                             (800) 227-9180 (press 1)        Fresh Start Checking
                                                                                                                                                                     IT’S AN EXPLOSIVE JULY OFFER...
            Lobby:                 VISA Classic Credit Card. Contact your DOCO                                                                                                                                                      There’s     never
                                                                                                                                              VISA Check Cards
      11:00 AM - 5:00 PM           loan officer today for more information.              ONLINE BANKING & WEB SERVICES                                                                                                              been a better time
                                                                                         www.docofcu.com                                      VISA Credit Cards                                                                     to open a DOCO checking account. Open a NEW free Classic
                                                                                                                                                                                                                                    Checking or Classic Plus Checking account with Direct Deposit
YOU CAN FIND IT ONLINE... ANYTIME...                                                     ATM’s (AUTOMATIC TELLER MACHINES)
                                                                                         ATM’s are located at each branch office
                                                                                                                                               Consumer Loans
                                                                                                                                                 Guaranteed
                                                                                                                                                                                                                                    before July 31, 2005, and we’ll give you access to the most explo-
Our website will keep you up to date with our latest promotions, current rates, and                                                                                                                                                 sive yield we’ve ever offered...
                                                                                         and behind the Leesburg Hardee’s at 258                Student Loans
repossessed cars for sale. You’ll find online applications, financial calculators to     U.S. 19 South.
                                                                                                                                                1st Mortgages
help you set budgeting goals, and more.
Here’s how you can easily find the informa-
tion you need.
                                                                                         ALBANY MAIN OFFICE
                                                                                         107 N. Westover Boulevard (31707)
                                                                                                                                             Home Equity Loans
                                                                                                                                              Share Certificates
                                                                                                                                                                                                                                                                         10% APY* on a
                                                                                         P.O. Box 71389
1. Dividend Rates - Check dividend rates                                                 Albany, GA 31708-1389                                       IRA’s                                                                                                 6-Month Share Certificate
   on Savings, Checking, Certificates, IRA’s                                             Toll-Free:          (800) 227-9180
                                                                                                                                               Money Markets
   & Money Markets. (Click “Products,”                                                   Phone:              (229) 435-1715
   click “Savings,” click “Share Rates.”)                                                Fax:                (229) 420-8264                    Christmas Club                                                                                  What makes DOCO’s FREE Checking better?
                                                                                                                                                                                                                                          No monthly fees No minimum balance requirements
2. Loan Rates - Check current rates for all                                              EAST ALBANY BRANCH
                                                                                                                                               Coindexter Club
   types of loans. (Click “Products,” click “Loans,” click “Loan Rates.”)                                                                                                                                                              Earn dividends on account balance No per check charges
                                                                                         2101 Rosebrier Avenue (31705)                        CU Succeed Teens
                                                                                         P.O. Box 71389                                       Financial Network                                                                                FREE Online Banking FREE VISA Check Card
3. Financial Calculators - An array of financial calculators are available to help
                                                                                         Albany, GA 31708-1389                                                                                                                          FREE 24/7 Telephone Teller FREE Checks for ages 55 & up
   you calculate a loan payment, retirement income, credit card payoffs, sav-
   ings growth, mortgage payments, refinancing and more. (Click “Products,”              Toll-Free:          (800) 227-9180
                                                                                                                                                                                                                                       *Annual Percentage Yield is accurate as of 7/1/05. Penalty for early withdrawal. Dividends paid at maturity. Maximum
                                                                                         Phone:              (229) 420-8200
   click “Financial Calculators.”)                                                                                                                                   investment is $2,500. Minimum investment is $500. Member must open a new DOCO Regional FCU checking account with direct deposit of net paycheck to qualify for this offer. This offer

4. Repossessions & Foreclosures - Take a look at a listing of repos and foreclosures
                                                                                         Fax:                (229) 432-8283
                                                                                                                                             CONVENIENCE             is extended to new members and existing members for new money only. Checking account must be active & kept in good standing to qualify for yield. Opening a new checking account is
                                                                                                                                                                     subject to qualification. Offer may be withdrawn at any time without notice. Limit one 10% Share Certificate per household.

   for sale. Details and pictures are available of each. (Click “Services,” click        TIFTON BRANCH                                        SERVICES:
   “Repossessions & Foreclosures.”)                                                      1004 Love Avenue

                           5. VISA Credit Card and Check Card Lost/Stolen Con-
                                                                                         P.O. Box 124
                                                                                         Tifton, GA 31793
                                                                                                                                                    ATM’s
                                                                                                                                               Online Banking
                                                                                                                                                                     PRESIDENT’S MESSAGE...
                              tact Numbers - If you ever need to notify VISA of a lost                                                                               The credit union is doing very well and is continuing to grow. As evidence of our success, we are
                                                                                         Phone:              (229) 386-8859                    Telephone Teller
                              or stolen Credit Card or Check Card outside of our                                                                                     able to offer terrific promotions such as the 6-Month Share Certificate special available with new
                                                                                         Fax:                (229) 387-0005
                              normal business hours, you can find the emergency                                                                 Dealer Direct        checking accounts during July. Our loan rates and dividend rates will continue to remain
                              contact numbers by going to “About Us,” and click-         AMERICUS BRANCH                                          Lending            competitive, as we stand firmly committed to offering our members a financial advantage.
                              ing on “Contact Us.”                                       602 Tripp Street                                         Financial
                                                                                         Americus, GA 31709                                                          Last quarter I announced plans to proceed with renovations of the Main Office building. We will be
                                                                                                                                                  Consulting         announcing the date and time of the official groundbreaking ceremony in the very near future
                             6. Online Applications - You can complete & submit a        Phone:              (229) 924-5475
                                loan application, a VISA Credit Card application, a                                                             DeluxeCard           and will post invitations at each of our branch locations. We would love to see you there, and we
                                                                                         Fax:                (229) 924-5325
                                VISA Check Card application, and Payroll Deduc-                                                                VISA Gift Cards       hope you will be just as excited as we are to see this project take shape.
                                tion or Direct Deposit authorization forms online from   MANAGEMENT TEAM                                      Traveler’s Checks      Also, at the beginning of the year we adjusted our hours of operation
                                                                                         President/CEO:                Barry Heape
                                the convenience of your home or office. (Click “Ap-      Vice President Technology:    David Rouse              Notary Service       on Wednesdays to accommodate weekly staff training sessions. While
                                plications” and select the appropriate form.)            Vice President Operations:    Lisa Lawson                                   we apologize for any inconveniences this may have caused, we at
                                                                                         Operations Center Director:   Allene Warren          Payroll Deduction
                                                                                         Marketing Director:           Fran Crittenden                               DOCO believe that ongoing staff training is key to ensuring continued

                                                FINANCIAL REPORT...                      Albany Office Manager:
                                                                                         Americus Office Manager:
                                                                                                                       Carol Wolfe
                                                                                                                       Don Braswell
                                                                                                                                                Direct Deposit       enhancement of the level of service provided to the membership.

   HOLIDAY CLOSINGS...                                      (As of 3/31/05)
                                                                                         E. Albany Office Manager:
                                                                                         Tifton Office Manager:
                                                                                                                       Jodi Miller
                                                                                                                       Mary Smith
                                                                                                                                             Overdraft Protection
                                                                                                                                                Courtesy Pay
                                                                                                                                                                     As always, we will be happy to answer any specific questions you have
                                                                                                                                                                     regarding credit union products, services and operations. We also
           Monday, July 4                                   Members:      21,249         VOLUNTEERS                                                                  welcome any comments or suggestions you may be willing to share
                                                                                                                                              Safe Deposit Boxes
         Independence Day                                   Assets:       $64,809,479      Board of Directors
                                                                                                                                               (Albany & Tifton)
                                                                                                                                                                     with us.
                                                                                           Chairman:           J.W. Flowers
       Monday, September 5                                  Deposits:     $55,636,517      Vice Chairman:      J. Derryl Quinn                                                                                         Sincere Regards,
                                                                                           Treasurer:          Seaborn Jackson
                                                                                                                                               Night Depository
                                                            Loans:        $40,442,566
           Labor Day                                                                       Secretary:          Jan Parker
                                                                                           Other Members:      Jack Clay
 (Don’t forget that DOCO ATM’s, Online                                                                         Wilhelmina D. Hall
                                                                                                               Robert Youngblood
Banking & Telephone Teller are available
                                                                                           Supervisory Committee                                                                                                                                                                                                BARRY O. HEAPE
      for after hours transactions.)                                                       Chairman:
                                                                                           Other Members:
                                                                                                               Tom Pollock
                                                                                                               Rochelle Bush & Dave Parker
                                                                                                                                                       “People Helping People” since 1959.                                                                                                                          President/CEO
Page 2                                                                                                                                                                                                                                                                                                                 Page 3

BANKRUPTCY: A TEN-YEAR MISTAKE... THERE’S NO PLACE LIKE HOME FOR THE 2005 - 2006 SCHOLARSHIP WINNERS...
If you’re having financial difficulties and you’re
thinking of bankruptcy as a way out, consider the
                                                   CASH YOU NEED...  Congratulations to Candace Phillips and Annie Morris, recipi-
                                                                     ents of the 2005 DOCO College Scholarship awards!!! Each
                                                                        What’s on your agenda for the sum-                                                    received a $1,500 college scholarship payable to the aca-
following facts first.                                                  mer? Home improvements, college                                                       demic institutions of their choice.
    Bankruptcy does NOT wipe your slate clean and give                  expenses, a dream vacation, a new
    you an immediate “fresh start.” Declaring bankruptcy                                                                                                      Candace, a graduate of Dougherty High School, plans to be-
                                                                        car - they all sound great if you have
    may not spell relief from obligations like taxes, child                                                                                                   gin her college career this fall, but has not yet decided on a
                                                                        the money... right?
    support, alimony, and student loans.                                                                                                                      school. Annie, a graduate of Americus-Sumter County High
                                                                            Based on the amount of equity you have in                                         School, plans to attend Faulkner University and pursue a de-
    When you file bankruptcy, it stays on your credit report               your home, you can borrow up to 85% of your                                        gree in criminal justice. We wish Candace, Annie and all 2005
    for up to 10 years.                                                                                                                                       graduates the best of luck as they take the next steps toward
                                                                                    home’s appraised value.                                                   their futures!                                                    Left to Right: Barry Heape, President/CEO; Candace Phillips, Annie Morris; J.W. Flowers, Chairman
    You will have trouble getting
                                                                        With a home equity line of credit from DOCO, you can have
    credit. Creditors seldom extend                                     access to the cash you need at a very attractive rate. Plus,
    credit to someone who has filed for
    bankruptcy. That is true whether
                                                                        the interest you pay may be tax deductible (check with your                           HELP US CREATE A 2006 CALENDAR TO RAISE MONEY FOR CUFK...
                                                                        tax advisor for details). We can furnish a one-time loan, or                          DOCO is hosting an art contest, and 14 winning pieces of artwork will be
    you file straight bankruptcy under                                  you can establish a line of credit that you can access as the
    Chapter 7 or if you file under Chap-                                                                                                                      featured in a custom 2006 calendar that will be available at the credit
                                                                        need arises. We offer monthly and biweekly payments,
    ter 13 with the intention of repay-                                 which can be paid conveniently through payroll deduction.                             union this November as a fundraiser benefiting Credit Unions for Kids.
    ing your debts.
                                                                            MONEY SAVING TIP: By choosing bi-weekly pay-                                      Children and teenagers up to 17 years old who are members of DOCO’s Coindexter
    You will have difficulty getting any type of loan - for a               ments, you’ll pay off your loan more quickly, saving                              Club for kids or CU Succeed Teen’s Financial Network may submit an unlimited number
    car, home, credit card, education, personal needs, etc.                 yourself costly interest. For instance, if you borrowed                           of entries. Entry forms are available at all branch locations as well as on our website
                                                                            $20,000 against the equity in your home at 6.00% APR*                             at www.docofcu.com. The entry deadline is Friday, August 31, 2005. 7 winners will be
There are options other than bankruptcy.                                    for 15 years and made bi-weekly payments instead of                               selected by age category, and 7 winners will be chosen randomly.
    Contact your creditors first. They can help you in many                 monthly payments, you’d save $1,426.30 in interest.                               Credit Unions for Kids is a nationwide collective fundraising effort by credit unions to
    ways and will suggest different methods of repaying                                                                                                       benefit Children’s Miracle Network hospitals across the nation. 100% of funds donated
                                                                        Get the cash you need today. Contact us for full details.
    your debts. Remember, they want to see you solve                                                                                                                                                                          to CUFK through DOCO
    your financial problems just as much as you do.                     *Annual Percentage Rate. All credit lines are subject to credit approval and under-
                                                                                                                                                                                                                              remains local and helps
    Talk to a DOCO loan officer. You may be able to con-
                                                                        writing guidelines.
                                                                                                                                                              COINDEXTER CLUB...                                              children treated at Phoebe Putney Memorial
                                                                                                                                                              Kids love DOCO’s new savings club called                        Hospital, our local CMN hospital.
    solidate your debt and lower your monthly payments.
                                                                                                         TIME OUT...                                          the Coindexter Club! 4-year-old Tyler, son                      Be on the lookout for a spectacular calendar featuring
    The Consumer Credit Counseling Service of Southwest Georgia helps con-                               The following were actual excerpts in                of DOCO employee, Shana Coker, is pic-                          DOCO’s very own talented artists this November. The cal-
    sumers work out their debt problems. Depending on services provided, there                           Classified sections of newspapers:                   tured below taking his deposit slip from one                    endars will make a perfect holiday gift for anyone, and you’ll
    may be a minimal charge. You may contact them at (229) 883-0909.                                                                                          of our friendly tellers after making a deposit                  be supporting a really great cause.
                                                                                                         ☺ Auto Repair Service. Free pick-up                  to his savings account. Tyler also received a special prize
A few simple steps can help you avoid financial troubles.                                                  and delivery. Try us once, you’ll                  (mini beach ball) for making a minimum $5 deposit. Young             Don’t forget that Six Flags, White Water & Wild Adventures
                                                                                                           never go anywhere again.                           Tyler is learning that mak-                                               tickets are availabe at discounted prices at DOCO.
    First, make a complete list of your monthly income and expenses. Include the
                                                                                                         ☺ Our experienced Mom will care for                  ing regular visits to the
    costs you incur in order to live, but not frivolities. Don’t forget to average out
    once-a-year payments such as insurance premiums.                                                       your child. Fenced yard, meals, and
                                                                                                           smacks included.
                                                                                                                                                              credit union and saving
                                                                                                                                                              what he collects in his                                          CU SUCCEED...
    Take a look at your results. If you can not cover your expenses, stop borrow-                                                                             piggy bank at home is fun                                       CU Succeed is an exciting program designed especially for
                                                                                                         ☺ Dog for sale: eats anything and is                 and even rewarding.                                             teens, brought to you by DOCO. With CU Succeed teens
    ing to pay bills (this includes using credit cards). Call your creditors and try to
    work out a payment plan, and look for ways to increase your income.
                                                                                                           fond of children.                                                                                                  can learn to mange their money and get valuable informa-
                                                                                                                                                              Your kids (and grandkids)
                                                                                                         ☺ 3 year old teacher needed for pre-                                                                                 tion on a wide variety of financial topics. Everything is cov-
                                                                                                                                                              ages 12 and under can
    If you’re having difficulty making ends meet, consider adjusting your tax                              school. Experience preferred.                                                                                      ered - from balancing a checkbook to funding a college
                                                                                                                                                              learn to become super
    withholdings. You will have extra money each month you can use to repay                                                                                                                                                   education. Best of all, the program is fun and FREE when
                                                                                                         ☺ Mixing bowl set designed to please                 savers too. Open a DOCO
    your debt. However, you may not receive a tax refund.                                                                                                                                                                     your teenager, age 13 - 17, opens a DOCO savings account!
                                                                                                                                                              savings account for your
                                                                                                           a cook with round bottom for effi-
                                                                                                                                                              kids today and they will                                        Members of CU Succeed receive
    If you have money leftover after you pay bills, avoid spending the extra profits                       cient beating.                                     automatically become                                            quarterly newsletters and
    and save. For a month, write down everything you spend, even the fifty-cent                          ☺ Girl wanted to assist magician in                  members of DOCO’s                                               have access to a cool
                                  trips to the vending machine. You may find that                          cutting off head illusion. Blue Cross              Coindexter Club for kids.                                       website where they can
                                  those fifty-cent trips cost you $20 a month.                                                                                Just like Tyler, your kids will                                 write their own articles for a
                                                                                                           and salary.
                                                                                                                                                              receive regular mailings                                        chance to win scholarship
                                           Utilize payroll deduction to have money au-                   ☺ Dinner Special - Turkey $2.35;
                                                                                                                                                              from the Coindexter Club                                        money. There are also
                                           tomatically deducted from your paycheck                         Chicken or Beef $2.25; Kids $2.00.                 gang with tips on how to                                        supplemental brochures
                                           into savings. Even if you only save a small                   ☺ For sale: antique desk suitable for                earn their own money and                                        available at the credit union
                                           amount each pay period, it will add up
                                                                                                           a lady with thick legs and large                   make smart decisions about whether to spend or save. Plus,      to help your teen with buying
                                           over time.
                                                                                                           drawers.             (Courtesy of Thinks.com)      our nice tellers will have a special prize waiting each time    a first car, budgeting, and es-
                                                       (Source: CBM Credit Education Foundation, Inc.)                                                        your child deposits at least $5 into savings.                   tablishing credit.

				
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Description: Calculators for Credit Card Payoffs document sample