Big City Efficiency...Small Town Friendliness

                                                                                     GO GREEN. GO PAPERLESS.
                                                                                     GO (ELECTRONIC) E-STATEMENTS.
                                                                          Top 10 REASONS TO GO E-STATEMENTS
                                                                    10. Combine E-statements with Premiere Checking - earn more dividends.
                                                                     9. Use with Online Bill Payer to add speed and convenience to your share draft
                                                                        checking account. Since you will be writing less paper checks, you will save more

                                                                        trees and save you money by eliminating the cost of postage stamps.
                                                                     8. Get rid of the mountain of paper and the hassle of shredding. With E-statements,
                                                                        you create a paperless archive of your past e-statements that is available instantly
                                                                        – especially useful during tax time.

                                                                     7. E-statements are secure, employing the latest security technology.
                                        2009                         6. Ever lose or misplace your paper statement in your home, office, briefcase, car,

                                                                        etc? When you go paperless, there are no papers to lose.
                    Free                                             5. Paper statements can be misdirected, delayed, lost in the mail, or even stolen from
                  Online Banking
                                                                        your mailbox. E-statements avoid these issues and decrease the risk of identity theft.
              Free                                                   4. Your E-statement is available, online 24/7 from any computer, anywhere. The post
                                                                        office is cutting back on services and may even eliminate a delivery day. You can
             Online Bill Payer
                                                                        view your E-statement any time you wish.
                                                                     3. Get your ABCO statement quicker – your e-statement is available the first of each
                                                                        month. You do not have to wait for a paper statement to be printed and mailed.
                                                                     2. Save trees. Help the environment. Did you know that according to a 2007 study, if
                                                                        all the nation’s household’s just received and paid bills electronically, they’d save
                                                                            The Number One Reason To GO E-STATEMENTS NOW is:
                                                                        16.5 million trees each year. Source USA Today.com

                                                                             It’s   FREE and you could WIN a Wii game console or an iPOD Nano.
  AND SERVICES THE CREDIT UNION OFFERS.                                                   We’re giving away 3 Wii game consoles
                                                                                                and 10 iPod Nanos (8-Gig)
                                                                                                     Members who enroll by November 30th
                                                                                                      will be entered for a chance to win.

   ABCO FEDERAL CREDIT UNION’S                                                                                 Winners will be selected
   ROUTING AND TRANSIT NUMBER                                                                                   via random drawing.
                                                                                        ENROLL through Online Banking – www.goabco.org
ABCO FCU is not responsible for typographical errors,
                                                                                      Questions? Send us an email - e-statements@goabco.org
     omissions or misprints in this publication.                                               or contact Member Care at Ext. 7600

    P      Branch Locations                      P      Loans - We Have the Money     P   Skip-A-Payment            P   Student Loans     P   Online Bill Payer
                                                        Jingle Loan
    A      Holiday Closings                      A                                    A   Options                   A   Available         A   It’s a Piece of Cake
                                                        ABCO Visa Credit Card
    G      Balance Financial                     G      Board of Directors
                                                                                      G                             G                     G
    E      Fitness Program                       E                                    E   Stop Throwing Away        E                     E
                                                        Nominations & Election                                          Federal Student
           Your Credit Score                            ATM Locations                     Your Money                    Loans

  2        Attention Members
                                               3        Pet Insurance
                                                        Beware of Census Scams       4                             5                      6
BRANCH LOCATIONS                                   BALANCE                        Financial Fitness Program
           PHONE                  In our summer 2009 issue of Money News, ABCO Introduced BALANCE, a comprehensive financial education and
                                  counseling service as a New Benefit of ABCO Membership. Through BALANCE, you have access to free, unbiased,
                                  confidential money management information, education and assistance. All you have to do is make a toll-free phone call.
                                  Overview of Services
                                  • Toll-free infoLine: (888-456-2227) Members have immediate telephone access to multilingual counselors, and can
         FULL SERVICE               get answers to a wide variety of money management, personal finance and credit-related questions.
      FINANCIAL CENTER            • Counseling: Counseling appointments can be made throughout the day and evening, weekdays and weekends. Monday
                                    – Thursdays 8 am – 1 pm, Friday 8 am – 8 pm and Saturday 11 am – 8 pm EST.
                                  • Debt Management Plan (DMP): Through this plan BALANCE will consolidate bill payments and negotiate with creditors
 690 Beverly-Rancocas Road

                                    to lower payments and, in some cases, reduce or eliminate interest and fees.
      Fax (609) 871-9083
                                  • Bankruptcy Prevention Union (BPU): A specialist from the BPU contacts the members the counselors identify as
                                    being high risk for bankruptcy. If the member is in short-term financial distress, BALANCE will contact creditors to set up

                                    a temporarily reduced payment plan.
 East Ridge Shopping Center
                                  • Credit Report Review: Members can call the InfoLine for a personal analysis of their credit report. Counselors review
  621 Beverly-Rancocas Rd.
      Fax (609) 877-9368            the content and answer questions about credit scoring, maintaining or improving the report, correcting inaccuracies, and
                                    identity theft.
                                  • Housing Education Program: As a HUD-approved housing counseling agency, BALANCE offers comprehensive pre-
         215 Main St.               purchase education for members striving to buy their first home. For those struggling with mortgage payments,
     Rancocas, NJ 08073             BALANCE provides early delinquency intervention counseling to help avoid foreclosure.

                                       TRY BALANCE – Click on any of the services to discover what BALANCE has to offer.
      Fax (609) 261-4785

                                                         To access BALANCE, simply call 888-456-2227 or visit www.balancepro.net,
      OTHER LOCATIONS                                                 or log on to www.goabco.org and click on BALANCE.
                                                         After your contact with a BALANCE counselor, we would like to hear from you.
                                                                    To provide feedback, Email us at programs@goabco.org.
      2652 Atlantic Ave.
    Atlantic City, NJ 08401

                                  Your Credit Score – A Potentially Powerful Number
      Fax (609) 348-0192

                                                      UNDERSTANDING THE FACTS ABOUT CREDIT SCORES WILL HELP YOU MAKE
81 Pemberton Browns Mills Road

                                                            CHOICES THAT WILL PROTECT YOUR OPTIONS IN THE LONG RUN.
          P.O. Box 698
                                  • A credit score is a mathematical risk assessment based on the information available in your credit report. It does not
   Browns Mills, NJ 08015-0698
       Fax (609) 735-2215           factor in such information as income, employment, age, sex, and race.
                                  • A high score is important, as lenders will look to it to assess their risk in lending you money. Even potential employers
                                    and landlords may look at your credit score to help them determine their risk in hiring you for certain positions or renting
  (Hospital Employees Only)         to you.
       1 Cooper Plaza             • A common scoring model is one developed by Fair, Isaac and Company. They issue a FICO score, which is based on
                                    many factors. Five of these factors are significant and within your power to control. They are (in order of greatest weight)
                                    payment history, amounts owed, length of credit history, pursuit of new credit, and types of credit in use.
     Camden, NJ 08103
     Fax (856) 756-0433
                                                                    IF YOUR SCORE ISN’T WHERE YOU WANT IT TO BE,
                                                            THE GOOD NEWS IS THAT YOU CAN TAKE STEPS TO IMPROVE IT.

                                  • Obtain copies of your credit report from all three major credit reporting agencies to check for and correct errors.
     6716 Black Horse Pike
                                  • Pay down your debt. If you can’t pay the total balance each month, pay more then the minimum required payment.
Egg Harbor Twp., NJ 08234-3910
      Fax (609) 645-0249          • Pay on time, every time.
                                  • Avoid aggressively transferring balances to new cards.
                                  • Keep your credit card balances well under the maximum available limit.
                                  • Only apply for and have the credit you need.
     Doubletree Center
      870 Delsea Drive            • Repay collection accounts, judgments, and liens.
     Glassboro, NJ 08028          Recent information matters most – so the faster you do all the right things, the faster you
     Fax (856) 582-6025           can repair damage. And avoid “credit repair clinics,” as they can’t do anything you can’t do for yourself for free.
                                  Keep in mind that you can’t build credit without using it. Having several (two to four is a good rule of thumb) active credit
                                  instruments shows capacity and responsibility. Balance is key. Too many unused open accounts shows potential for high
                                  future debt, which can lower your score, while too few accounts can also have a negative impact because you won’t have
Student Center/Rider University
    2083 Lawrence Road            a long history of responsible credit use.
                                                For more information, call a BALANCE counselor at 888-456-2227, or visit www.balancepro.net.
   Lawrenceville, NJ 08648
     Fax (609) 896-5323
                                     ATTENTION MEMBERS: Loans Are Hard To Get In Today’s Market. ABCO LOVES to give LOANS of
  For Hours and Directions           all kinds. It’s what credit unions are in business to do – to help people like YOU! Keep your
        Go online @                  ABCO loan source open by keeping your credit history current. If you would like to discuss your
                                     past history, call our Lending Department. All calls are confidential.
   www.goabco.org                                       People Helping People - That’s been our mission since 1958.

                                                            2009                                                            2010
                                                                                                    New Year’s Day . . . . . . . . . . .Fri.          Jan. 1st
                                  Veteran’s Day . . . . . . . . . . . . .Wed. Nov.11th
                                                                                                    Martin Luther King, Jr.
  CLOSED FOR THE                  Thanksgiving . . . . . . . . . . . . . .Thurs. Nov. 26th
                                                                                                     Birthday . . . . . . . . . . . . . . . . .Mon.   Jan.18th
                                  Christmas Eve . . . . . . . . . . . . .Thurs. Dec.24th
    HOLIDAYS                       (All Offices Will Close At 1:00 pm)
                                                                                                    Washington’s Birthday . . . . . .Mon.             Feb. 15th
                                                                                                    Memorial Day . . . . . . . . . . . . .Mon.        May 31st
                                  Christmas Day . . . . . . . . . . . .Fri.      Dec. 25th
      LOANS                             - WE HAVE THE MONEY YOU NEED                                                                 PET INSURANCE

                         MORTGAGES                                     REVERSE MORTGAGES
                            Great selection                                    Must be 62 or older
                                 of homes                                      No income or credit
                          Low Interest Rates                                       requirements
                        And Until December                                   You can receive money
                      Up to $8,000 in rebates                                   instead of paying
                     for first time home buyers                             Call: Welcome Mortgage                                       Emergencies, routine
                    Contact Consumer Lending                                      1-800-624-6752                                         care, medicines……
                                 Ext. 7613                                  Ask for Barbara Gallagher                                      Going to the vet
                                                                                                                                          can be expensive.
Auto, Truck, Van, Motorcycle, RV….                                                                                                         You don’t have to
     Dealers are willing to deal on vehicles. When you get to the lot and find a vehicle,                                                    skimp on your
you may be told that the low advertised interest rate does not “apply” to you. You will                                                        pet’s care.
have to pay a lot more.                                                                                                                       ASK ABOUT
     There is better way – the ABCO way. Find a vehicle and negotiate your price. Then                                                      PET INSURANCE
contact our Lending Dept. or your Branch Office with the details. We will get you on your                                                FOR YOUR DOG, CAT,
way – quickly and conveniently with a rate you can afford.                                                                                 BIRDS & EXOTICS.
     Did you know that we even have a Special Loan Program geared for student members
– First Time Car Buyers Program. Ask us for details.                                                                                       800-USA-PETS
                                                                                                                                           (800) 872-7387
                               WE HAVE THE DEALS TO INSURE YOUR WHEELS.                                                                 eb.petinsurance.com
                          Don’t go to strangers – GO ABCO Insurance agency.
                          With one phone call, we shop 15 or more companies to find the best deals
                          and can obtain exclusive discounts for you and your family members.
                                                                                                                                     BEWARE OF CENSUS SCAMS
                                                                                                                                         The United States Census will be
                                         It’s Easy To Get A Quote
       Call us with your Name, Address, Phone, Date of Birth, Effective Date and Type of Policy.                                     held in April 2010. Unfortunately,
                             No policy – no problem. We will work with you.                                                          scammers have already seized upon the
                      1-888-400-2226 • Online: www.ABCOInsuranceAgency.com                                                           opportunity.
                                                                                                                                         Mailing of the official postage-paid
                                                                                                                                     census questionnaires begins in mid-
                                                                                                                                     March 2010. Each household will receive

                                                        ABCO                                   CREDIT CARD                           a questionnaire. Households that do not
                          JINGLE                                                                                                     complete the questionnaire will receive
                                                                                                                                     another request and questionnaire.
                                                                                                                                     Census personnel will only conduct a
                                                        Rate As
                                                                                                                                     home visit for households that do not
                           LOAN                         Low As
                                                        Transfer Balances Now & Save
                                                                                                                                     respond to the second questionnaire.
                                                                                                                                         In some communities, people posing
                                                                                                                                     as Census workers have come to peoples’
                                                                                                                                     doors, asked a few census-related
                                                        NO BALANCE TRANSFER FEES
                 $1,200                                 Call us. See how much                                                        questions, and then tried to solicit a
           12% APR INTEREST                                                                                                          donation. They may tell the resident that
                                                                                                                                     they aren’t getting paid for travel expenses
                                                        you could save on

                                                                                                                                     and need donations to recover the costs.
          12 MONTHS TO REPAY                            your payments each month.

                                                                                                                                     Census workers will never solicit
                                                                                                                                     donations or other types of payment.
               Not a guarantee of financing. Rates are based on credit worthiness.
                                                                                                                                         Identity theft is another potential
                   Contact us for complete details and terms and conditions.
                                                                                                                                     threat. Census takers will never ask
                                                                                                                                     personal or financial information such as
                                                                                                                                     your Social Security number, bank account
                                                                                                                                     information or credit card accounts.
 BOARD OF DIRECTORS             Milton Hershberger and Fred Detrick have been selected by the Nominating Committee to fill

                                                                                                                                         The U.S. Census Bureau will never
 NOMINATIONS &                  the two vacancies on the 2010 ABCO FCU Board of Directors.

                                                                                                                                     send e-mails. Delete, without opening,
 ELECTION PROCEDURES              Additional nominations for the Board of Directors may be made by petition. If you are interested
                                                                                                                                     any incoming e-mails alleged to be from
                                 in being nominated by petition for one of the seats on the 2010 Board, please send your request
                                                                                                                                     the Census Bureau, as they may contain
in writing to: Secretary of the Board of Directors, ABCO Federal Credit Union, P.O. Box 503, Rancocas, NJ 08073. You will receive
                                                                                                                                     harmful spyware. To report suspicious
a packet of information explaining the procedure. This packet must be completed and received by close of business
                                                                                                                                     census-related activity, contact your local
December 31, 2009.
                                                                                                                                     Census Bureau office. To find the office
      The 2010 Annual Meeting is scheduled for March 25, 2010. The election of two Directors will take place at that time.
                                                                                                                                     that serves your state, call 800-923-8282
Nominations from the floor will not be entertained unless circumstances prior to the election result in an insufficient number of
                                                                                                                                     or go to: http://www.census.gov.
candidates for the vacancies.

                                                          ATLANTICCAPE COMM. COLLEGE                    CVS WAREHOUSE
                                                      Atlantic City, Cape May & Mays Landing             Westampton
                                                                BOB’S CORNER DELI                COOPER MEDICAL CENTER
                                                                     Roebling                      (Employees only)                  SURCHARGE-FREE
Surcharge Free ATMs available through the Allpoint,
 Starsf and Co-op networks. Look for these logos or
                                                          BURLINGTON COUNTY COLLEGE
                                                            Mount Laurel & Pemberton
                                                                                                         RIDER UNIVERSITY
                                                                                                     Library & Daly Cafeteria                  ATMs
         find a locations from our website @                   CITY OF BURLINGTON
   www.goabco.org or text to 692667 (MYCOOP).                   Municipal Building

Skip-A-Payment on Most ABCO Loans* (see exclusions                                                                below)
For One Month - either November or December
For One Low $25 Processing Fee
*Loans Excluded From Offer are: Mortgages, Home Equity, Privilege Pay and Visa Credit Card Payments.
 Ple nt
  Pri                       YES, I/We would like to Skip-A-Payment on my/our loan(s).
Date ________________________________                                                                                 If you have more than one loan, skip the same month
Member Name __________________________________________________                                                                for all loans, November OR December.
Address _______________________________________________________                                                         NOVEMBER (must be received prior to Nov. 10, 2009)
City/State/Zip ___________________________________________________
                                                                                                                        DECEMBER (must be received prior to Nov. 28, 2009)
Account/Member No. ______________________________________
                                                                                                                        ONE LOAN: ________________________________
Please deduct the $25.00 per loan fee from my (check one):
         Share Savings Account      Share Draft Checking Account                                                        OTHER LOANS: ____________________________
         Other Account ____________________________________                                                              __________________________________________

IMPORTANT NOTICE: In order to enjoy that extra cash that Skip-A-Payment provides, all parties who signed the loan(s) must sign
this coupon. Incomplete signatures will void your request and you will be required to make your regular scheduled payment(s).
   Your Signature ___________________________________ Joint Signature __________________________________
By signing above you authorize ABCO Federal Credit Union to advance your next loan payment date to the month following the one selected. There is a $25 processing fee for each
loan that you elect to skip a payment. You authorize the credit union to deduct the fee(s) from any account that you have with the credit union that has funds available. Interest will continue
to accrue on your loan during the month you skip your payment. Payments made through payroll deduction or direct deposit will be put into your savings account on the due date of the
month you are skipping. If you have multiple loans, we will select the loan with the highest payment to skip unless otherwise directed.
                                                                                                              FAX                609-261-4785

                       Return this form by mail, in person at any Branch Office or                                         to:

                                                                                                                                              EASY QUALIFICATIONS
                                                                                                                                            For High Monthly Reward Rates
                                                                                                                                        • Have an ATM/Visa Check Card and
                                                                                                                                          make 10 Purchases

                                                    THROWING AWAY                                                                       • Have or set up one Direct Deposit or
                                                                                                                                          Automatic Payment From Your
                                                           YOUR MONEY                                                                   • Access ABCO On The GO Online
                                               On bank checking accounts                                                                • Enroll in E-statements
                                                                                                                                          If you do not meet the qualifications
                                                       Move your current                                                                      in one monthly cycle, you will
                                                    bank checking account                                                                       STILL EARN MONEY AT OUR
                                                                                                                                                 Base Rate of 0.25% APY*
                                                to an account that can pay you!                                                                 Ask us for complete details.

                            ABCO PREMIERE REWARDS
                                                                                                                                          *3.25% Annual Percentage Yield (APY)
                             CHECKING ACCOUNT                                                                                             paid on balances between one penny
                  No Minimum Balance Requirement • No Monthly Service Charges                                                             and $25,000, and 1.05%APY paid on all
                           Earn A High Rate On Your Checking Balance                                                                      amounts above $25,000 each cycle the
                                    If the easy qualifications are met. See box at right.                                                 minimum qualifications are met. If you do
                                                                                                                                          not meet the qualifications per cycle, your
                         Current rate: 3.25%APY* on balances up to $25,000                                                                account will still function as a free
                                                                                                                                          checking account earning 0.25%APY;
                                Earn 1.05%APY* on balances over $25,000                                                                   however, it will not receive ATM fee refunds
                                                                                                                                          for that time period. Rates as of Sept. 1,
                                      - - - - ATM REFUNDS NATIONWIDE - - - -                                                              2009. We may change the interest rate
                                                        OR                                                                                and APY at any time after the account is
                                                                                                                                          opened. No minimum balance required.
                                                 Your money will still
                                                                                                                                          No minimum required to open this
                                     Earn base rate of               0.25%
                                                                   APY*                                                                   account. Available to Personal Accounts
                       if the easy qualifications are not met for your monthly cycle.                                                     only. No monthly service charge. ATM
                                                                                                                                          refunds when qualifications are met.
         Contact your Branch Office or Member Care at Ext. 7600 for complete details.
                                                                                                  STUDENT LOANS
                                                                                                 DID YOU KNOW THAT ABCO OFFERS FEDERAL STUDENT LOANS?
                                                                                              The following Federal Student Loans are available:
                                                                                                              Stafford Loans: Student Borrowers

                                                                                                          Parent Plus Loans: Parents of undergraduate students
                                                                                                           Grad Plus Loans: Graduate and professional school students

                                                                                                   For detailed information on the Federal Student Loan Programs, and to Apply,

                                                                   You Have
                                                                                                       log on to our website at www.goabco.org. The Lender Code is 832343.
                                                                                                                              THE FINANCIAL AID PROCESS
                                                                                                                    FAFSA (Free Application for Federal Student Aid)
                                                                                              STUDENT BORROWERS:
                                                                                               •Complete the FAFSA4caster: You can receive an early estimate of your financial aid
                                                                                                eligibility anytime during high school.
                                                                                               •Get a PIN: Before filing your FAFSA on the internet, it is recommended that you (and
                                                                                                one of your parents) apply for a PIN
                                                                                               •Complete a FAFSA on the Web Worksheet. This optional tool can be completed to
                                                                                                help gather all the necessary documentation prior to completing the actual FAFSA.
                         C O N TA C T U S                                                      •COMPLETE THE FAFSA AND APPLY EARLY: Be sure to submit your (FAFSA) as soon after
                                                                                                January 1 as possible.
                         MAILING ADDRESS                                                       •Apply Online at www.goabco.org, and click on Federal Student Loans. The Lender
              P.O. Box 247 • Rancocas, NJ 08073-0247                                            Code for ABCO is 832343. Although you can submit a paper application, there are
                         TOLL-FREE PHONE NUMBER                                                 many advantages to using FAFSA on the Web.
                                                                                               •Ask colleges if other forms are required.
                                                                                               •Apply for scholarships.
                                      WEB SITE                                                 •Review your SAR (Student Aid Report).
                           www.goabco.org                                                      •Compare award packages
                          24/7 TOUCH-TONE TELLER                                               •Accept award packages
                            1-800-808-2226                                                       You can Access Your Loan Account Online. To check the status of your loan, view your account information,
                                                                                              make payments from your credit union account 24/7, and find information to help you manage your loan, go
                     BUSINESS SERVICES                                                        to www.mygreatlakes.org. Choose “Borrowers” and then log in to access Application in Progress (AIP) an
Brian Yannerella . . . . . . . . . . . . . . . . . . .Fax: (609) 877-9368                     internet Borrower Inquiry Service (IBIS). For additional information, regarding Federal Student Loans,
          Email: BusinessServices@goabco.org                                                               Call 1-800-225-1859 Ext. 3508 or 1-800-247-0462 Or Email us at studsvcs@goabco.org

                         OTHER SUPPORT NUMBERS                                                                  SCHOOLS MAY NOT USE A PREFERRED LENDER LIST
                                                                                                                 TO DENY OR IMPEDE YOUR CHOICE OF LENDERS.
          Visa – Evenings, Weekends & Holidays                                                             MAKE ABCO FEDERAL CREDIT UNION YOUR LENDER OF CHOICE.
Visa Credit Card . . . . . . . . . . . . . . . . . . . . . . .1-800-453-4270                                     Simply add our name and lender code 832343
Visa ATM/Check Card . . . . . . . . . . . . . . . . . .1-800-523-4175                                                on your Master Promissory note (MPN)

Online Banking & Bill Payer . . . . . . . . . . . . . .1-877-760-6004

                                                                                                                                          FEDERAL STUDENT LOANS NOT ENOUGH TO COVER
                           SERVICE OFFERS*                                                                                                 THE COST OF YOUR COLLEGE EDUCATION?
                                                                                              THE CU PRIVATE STUDENT LOAN PROGRAM CAN BE THE ANSWER TO YOUR FUNDING NEEDS
                ABCO INSURANCE AGENCY                                                                       The CU Student loan is a financing option that supplements the Federal guaranteed student loan.
Auto, Homeowners, Renters . . . . . . . . . . . . .1-888-400-2226                             Am I Eligible? To be eligible, you must join or be a member of ABCO or a participating credit union.
All Other Insurances . . . . . . . . . . . . . . . . . . . .1-888-439-0770                    A borrower also needs to be: A U.S. citizen or permanent resident* • Enrolled at least half-time in an approved school
               Email: insurance@goabco.org                                                    • Meet minimum credit requirements • *International students may apply with a creditworthy cosigner who is a U.S. citizen
                                                                                              Importance of a Cosigner A cosigner is required in order to be eligible for the Cu Student Loan. Juniors, seniors and
                                                                                              graduate students that meet the credit requirements may apply without a cosigner. A creditworthy cosigner may lead
                     ABCO-ING 403(b) Plan*                                                    to a lower interest rate.
                    Sandre “Sunny” Naumoski                                                   Smart Way to Borrow Here are a few tips to help you lower your education financing costs:
           Office: (856)334-2580 • Cell: (856) 857-4562                                               Exhaust Federal Loans. Make sure that you exhaust your federal loan programs before applying for a private
                       Fax: (856) 334-2581                                                    student loan. Federal loans will have better terms and lower interest rates when compared to private loans. Your
                  Email: snaumoski@ingfa.com                                                  eligibility for federal aid will be determined by filling out the Free Application for Federal Student Aid. (FAFSA) Learn
                                                                                              more at http://www.fafsa.ed.gov/
                       WELCOME MORTGAGE                                                               Get Started Early. Do not wait to start learning about the loan process. Start early! 10 – 12 weeks before the tuition bill
                                                                                              is due is enough time to explore your options. This is enough time to educate yourself on the various options available to
                        (Reverse Mortgages)
                                                                                              identify the one that best fits your needs.
                 Barbara Gallagher – 1-800-634-6752
                                                                                                      Reduce Interest Expense. Borrowers should consider making the monthly interest payments while enrolled in
                                                                                              school. This will decrease your interest expense over the life of the loan. Otherwise, the interest that accrues while in
          TAX SERVICES & NJEA ASSN. AUDITS                                                    school is capitalized (or added) to the original principal balance of the loan once the loan reaches repayment status,
Mazzucco & Co., CPAs . . . . . . . . . . . . . . . . .(856) 234-7788                          increasing the loan balance and the interest expense.
         Email: dsantora@mazzuccocpa.com                                                              Prudent Financial Planning. Exercise prudent financial planning and only request the amount you will need for
*ABCO Federal Credit Union provides the above benefits to our members without opinion
                                                                                              the current semester. You have the ability to request up to four loans per calendar year and we’ve made the process
to the service provided. Insurance Products are offered through various insurance             very simple.
companies in association with CU Insurance Services Group (“CUSO”), an affiliate of ABCO
Federal Credit Union (“Credit Union”). The insurance products are not federally insured and
                                                                                                                       For additional information regarding the CU Private Student Loan Program
are not obligations of or guaranteed by the Credit Union, CUSO or any other affiliated                               Call: 1-800-225-1859 Ext.3508 or 1-888- 549-9050 or Email: studsvcs@goabco.org
entity. Securities offered through SII Investments. A registered broker/dealer. Member NASD                           TO APPLY for the CU Private Student Loan go to www.custudentloans.org/nj
& SIPC. Advisory services offered through Haddon Financial Group, Inc., a Federally
Registered Investment Advisor.                                                                                    or log on to the ABCO web site at www.goabco.org and click on cuStudentLoans.

                Automate bill payments with our Free Online Banking
                Bill Payer and you’ll have it easy – a piece of cake.

                Simply set up your recurring bills such as mortgage payments, utility
                company, and insurance payments. Each month, Bill Payer
                automatically deducts the amount of the bill from your ABCO Share
                Draft Checking Account (up to your limits, of course) and sends the
                payments in time to meet each due date.

                You can add other bills that are not the same amount each month.
                When they arrive, go online and set the due date. Bill Payer then
                deducts the money and sends the payment only when it is needed
                - in time to pay the bill.

                Forget about mailing checks, buying stamps, or running out to pay in
                person. The best part – no worries about missed payments or late
                fees. You set it and forget it.

                It’s a piece of cake to set up and use Bill Payer. There’s even a video
                you can watch online to help you get started. Get started now to
                have your cake and get more time, too.

                                                   what’s new at your credit union.
                                                      Check inside to find out

                                            A Happy Thanksgiving
                                             Our Best Wishes For
                                               P.O. Box 247, Rancocas, NJ 08073-0247
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