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                                                      Join Us for Our
  Take theGrand Opening
          Stress out of the Season                                                                                                                Celebration
                                                                       with our Holiday Loan                                                   of Our New Landover Branch
                                                                       We are excited to announce that our Landover branch has moved to:
                                                                                                      8200 Professional Place, Suite 105 • Landover, MD 20785

                                                                                                                        New Hours:
                                                                                                                Monday-Friday • 9:00 am – 5:00 pm

                                                                    Our new Landover branch is bigger and offers more convenient hours.
                                                                        Join us on January 26, 2007 for a grand opening celebration! We will have a ribbon cutting ceremony at
                                                                       10:00 am, refreshments, free gifts and a drawing to win a laptop computer, digital
                                                                                                  camera and iPod. We hope to see you there!

HOLIDAY LOAN AVAILABLE UNTIL                                                                                              Your Home Can Help You with
January 31, 2007!                                                                                                         All of Life’s Needs
Now that the holidays are over, are your bills accumulating? If so, you can consolidate                                   Your home is much more than just a roof over your head. In fact, it may be the
                                                                                                                          key to consolidating your debt, making home improvements, taking a great
your bills into one easy low monthly payment with our Holiday Loan!                                                       vacation or even buying a new car. Plus, the interest you pay may be tax deductible.*

                                                                                                                                                     Our Home Equity Loan offers:
• Rates start as low as                7.24% APR*                                                                                                             Rates as low as             6.00% APR*
                                                                                                                                                                             Up to a 15-year term
• 10-Month Term                                                                                                                                                                                                           ite
                                                                                                                                                                                                                         On d-Tim
                                                                                                                                                                         No closing cost options**                           ly  e

• Borrow up to $2,500                                                                                                     Take advantage of this special offer while rates
                                                                                                                          are still low. To apply, call 301-586-3400 or
                                                                                                                          800-914-4268, stop by any branch or visit us
                                                                                                                          online at
Apply at any branch, online at or
over the phone at 301-586-3400
or 800-914-4268.                                                                                                          *Annual Percentage Rate current as of December 1, 2006 and subject to change. Home Equity Loan rates are based on an evaluation of
                                                                                                                          each applicant’s credit. The annual percentage rate stated is the lowest rate offered for this product based on a five year term with an
                                                                                                                          80% loan-to-value ratio (LTV). Longer terms and higher LTVs are available. Maximum Home Equity loan is $100,000 and minimum is
                                                                                                                          $20,000. Payments at 6.00% APR for 60 months are approximately $387.00 on a $20,000 loan. The actual amount of your loan will be
*Annual Percentage Rate is based on an evaluation of each applicant’s credit. Actual rate may vary.                       determined by the amount of equity in your home. Home Equity Loans or Lines currently financed with Market USA FCU are not eligible
 Rates include a .25% discount for automatic payment. Payments at 7.24% APR for 10 months are                             for this offer. **To qualify for no closing costs, you must finance a minimum of $20,000 and loan must remain open for 36 months are
 approximately $105.42 per $1,000.                                                                                        closing costs will be added on to the loan. +The interest you pay may be 100% tax deductible. Please check with your tax advisor for
                                                                                                                          details concerning tax deductibility.
2007 Election Notice                                                                                                               We are closed on the following days
                                                                                                                                   in observance of holidays:
There are four vacancies on Market USA FCU’s Board                       Cynthia J. Terry                                                      Martin Luther King, Jr Day
of Directors. The Nominating Committee has                               Cynthia has been a Market USA FCU Board Member
nominated the following members to fill the open                         since 1998 and served as Chairperson from 2002-                       Monday, January 15, 2007
board positions.                                                         2006. Cynthia worked for Giant of Maryland for 26                          President’s Day
Ricky Barnes                                                             years and her last job at Giant was as Director of                     Monday, February 19, 2007
Ricky has been a Market USA FCU Board Member                             Corporate Diversity & Community Relations. She is
since 2003 and has served as Secretary from 2003-                        currently President of SHABACH! Ministries, Inc.          For current loan/savings rates visit us online at
2004 and Treasurer from 2005-2006. He was a                              Education: Old Dominion University, B.A. Speech  or call (800)764-4268 and
Board member of BI-LO Credit Association FCU from                        Communication/Theatre Arts, Certificate of EEO            press1.
1992-2003 and President from 1997-2003. Ricky                            Studies, Cornell University.
currently serves as the Transportation Site Manager                      Nominations may also be made by petition. The             Branch Offices
for C&S.                                                                 petition form may be obtained from the credit union       QUINCY
Gary Boozer                                                              and must be completed fully and legibly and signed        1211 Hancock Street
Gary has been a Market USA FCU Board Member                              by at least one percent of the credit union’s             Quincy, MA 02169
since 2003. He served as a Board Member of BI-LO                         membership (at least 274 signatures, not to exceed        Hours: Monday – Friday 9:00 am – 5:00 pm
Credit Association FCU from 1994-2003 and                                500 signatures).
Secretary from 1994 -2002. He was also a                                 Members who would like to file a petition must file       8871 Gorman Road, Suite 100
Supervisory Committee Member from 1991-1994.                             with the Secretary of the Board of Directors by           Laurel, MD 20723
Gary has worked for BI-LO for 20 years and currently                     February 9, 2007.                                         Hours: M/T/W/F 9:00 am – 5:00 pm
is the Manager of Operations Support for BI-LO.                          Biographical data on the nominee must be submitted                 Th 9:00 am – 6:30 pm
Education: Auburn University, B.S.Business/                              with the petition. Biographical and petition forms will
Management; Troy State, M.S. Human Resources.                            be available after January 12, 2007, by calling the       L ANDOVER
Walter Lutman                                                            credit union at 800-914-4268 or 301-586-3400. In          8200 Professional Place, Suite 105
Walter has been a Market USA FCU Board Member                            accordance with the credit union’s bylaws, no             Landover, MD 20785
and Supervisory Committee Chairperson from 2002-                         nominations will be accepted at the Annual Meeting        Hours: Monday – Friday 9:00 am – 5:00 pm
2006. After serving as Supervisory Committee                             unless insufficient nominations have been made to         MAULDIN
Chairperson, he became Chairperson of the Board in                       provide for one nominee for each position to be filled.   201 BI-LO Boulevard
2006. He worked for Giant of Maryland for over 35                        If there is more than one nominee for each available      Greenville, SC 29607
years and recently retired. His last job at Giant was                    position, and election will be held by mail ballot.       Hours: Monday – Friday 8:30 am – 4:00 pm
as a Desktop Services Manager. In 2005, he started                       Ballots and biographical information will be sent to
the company Strategic Recovery Solutions LLC and                                                                                   CHATTANOOGA
                                                                         members by March 13, 2007, and must be returned           5901 Shallowford Road
is a Contingency Planning Consultant. Education:                         by April 20, 2007. If the number of nominees equals
University of Maryland, Bachelor of Business                             the number of vacancies, there will be no mail ballot     Chattanooga, TN 37421
Administration; Central Michigan University,                             and the nominees will be declared by acclamation.         Hours: Monday – Friday 8:30 a.m – 4:00 pm
Courses Master Administration Program; Disaster                          The election results will be announced at the
Recovery Institute, Certification Disaster Recovery                                                                                INTERNET BANKING
                                                                         Annual Meeting.                                 
Planning; AIS Ahold/Giant Landover, core
management courses.                                                                                                                Hours: Always open
                                                                                                                                   NATIONAL SHARED BRANCH NETWORK
                                                                                                                                   2,050 Shared Branches Nationwide visit
                                                                                                                          to find a shared branch near you.

 Your presence is requested                                                                                                        Internet Banking

                                The Market USA FCU Annual Business Meeting                                                         Member Service Call Center:
                                                                                                                                   (301) 586-3400 (800) 914-4268 Option 3
                                                                                                                                   Hours: M/W/F 8:30 am – 5:00 pm
                                                     Wednesday, April 25, 2007                                                             Tu 9:00 am – 5:00 pm
                                                   5:00 pm – Light Refreshments                                                            Th 7:15 am – 6:30 pm
                                                    5:30 pm – Business Meeting
                                                                                                                                   Telephone Banking:
                                                   Market USA FCU Headquarters                                                     (301) 586-3450 (800) 764- 4268
                                                   8871 Gorman Road Suite 100
                                                                                                                                   Surcharge Free ATMs
                                                        Laurel, MD 20723
                                                                                                                                   In addition to branch location surcharge free ATMs,
                                                                                                                                                           Pantone version

                                                                                                                                   Direct Deposit Club members have access to over
                       To review our 2006 accomplishments and discuss our plans for 2007
                                                                                                                                   32,000 surcharge free              ATMs. Visit us online
                                                              RSVP not required                                                    to find an Allpoint ATM near you.
                                                                                                                                                           CMYK breakdown version

                                                                                                                                   CO-OP Network ATMs
                                                                                                                                   All members now have access to over 25,000
                                                                                                                                   surcharge-free ATMs through the CO-OP Network!
              Join us as Walter Lutman, Chairperson of the Board of Directors, and Bob McClosky,                                   Visit to find an ATM near you.
         CEO/President, address the membership. The meeting will be held in our Laurel headquarters at
            8871 Gorman Road. In addition to our usual door prizes, the name of every credit union
         member* will be entered in to a random drawing to win a $500 deposit to their account. Mark                               
                                    your calendars. We hope to see you there!

                       *The drawing will exclude Market USA FCU staff and volunteers and members not in good standing.

                                   6067-DHA12/06    MC38G52

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