Member first to join PNM Solar Buyback by wulinqing


									Sandia Laboratory Federal Credit Union                                                                        October 2006

Member first to join PNM Solar Buyback
Marlene Brown sells power to PNM
                                                                                              technicians and we installed 100
                                                                                              systems in five days each year.”

                                                                                              “I also teach classes through
                                                                                              NMSEA. We install systems for
                                                                                              non-profits that could not af-
                                                                                              ford it otherwise.” Marlene and
                                                                                              electrician Debbie Tewa taught a
                                                                                              women’s workshop that installed
                                                                                              a system at the Albuquerque
                                                                                              Center for Peace and Justice last

                                                                                              Marlene recently taught a co-ed
                                                                                              workshop with Randy Sadewic
                                                                                              of Positive Energy in Santa Fe.
Marlene Brown shows off the solar panels on her roof. The panels were made by Advent Solar,
                                                                                              Marlene says, “It was great! The
an SLFCU Select Employee Group. Marlene’s Women’s Workshop installed them in 2004.            women wanted to learn every-
                                                                                              thing about everything before

M         arlene Brown under-                    “I started my career as an                   they touched anything. And the
          stands solar energy.                   energy auditor in the Boston                 men just wanted to jump right
          She has made solar                     area and then moved to Prince                in and man-handle the project.”
her profession and was the first                  George’s County Maryland to
homeowner in Albuquerque                         do energy audits and weather-                Marlene also teaches workshops
to join the PNM Renewable                        ization for low income people,”              with ASES (American Solar
Energy Credit (REC) program                      Marlene says.                                Energy Society). “Every year, I
last March. The Sandia engineer                                                               teach a women-only workshop
bought her 1926 adobe in 2002                    “Also, in 1993 and 1994, I                   and we install a solar energy
with a SmartArm™ mortgage                        worked with the Solar Electric               system somewhere in this coun-
from SLFCU. Marlene says,                        Light Fund, installing solar                 try. We spend three days in the
“The borrowing experience was                    systems in Vietnam for rice                  classroom and two days install-
great and the staff was very fair                and pig farmers who had no                   ing the system. ”
and courteous.”                                  other source of power. I trained                                     (Continued on page 2)

Marlene is the President of                      Q&A: Here’s how we are improving CU@home®
the New Mexico Solar Energy
Association (NMSEA). She                                        Question: “What’s             hours to transition to the new
has followed the sun since she                                  with the new CU@              CU@home as smoothly as pos-
received her BS in Environmen-                                  home? It doesn’t seem         sible. And we are still working
tal and Natural Sciences and her                                to support Safari in          to perfect it.
Certificate in Energy Efficient                    Mac OS X (10.4 +.)”
Building Technologies from                       A. This problem occurred when                Question: Why does CU@home time
Colorado Mountain College.                       Apple released security updates              out and log you out when you are try-
She also earned a Certificate in                  to OS X and Safari. We are                   ing to type a secure message to send?
Electrical Trades from CNM                       working with our CU@home                     I’m in the middle of typing when I get
and an MS in Electrical Engi-                    software vendor to push Apple                a message that the system has logged
neering from the University of                   to fix Safari. In the meantime,               me out. Doesn’t typing keystrokes in
New Mexico.                                      you can use Firefox in all ver-              the message box count as “activity”?
                                                 sions and Safari in earlier ver-             A: There is a session time-out
While Marlene was getting her                    sions of OS X.                               warning that will allow you to
MS, she worked for Sandia Na-                                                                 continue the session by clicking
tional Labs in the Photovoltaics                 Comment: “Love all the website               to extend the session. Having
and Renewable Energy Group.                      improvements! Great job.”                    pop-ups disabled will prevent
                                                 Reply: Thanks! The CU@home
                                                                                                                      (Continued on page 3)
                                                 upgrade team worked countless
Marlene Brown
(Continued from page 1)

Solar begins at home
As soon as Marlene purchased
her home, she set to work. First
she re-did the carpets and the
floors then re-wired the house
herself. Two years later, she
taught a one day women’s work-
shop during which they installed
her system. “I had already                                             Marlene Brown gives a tour of the breakers and the electric meter on her grid-tied photovoltaic
installed the concrete, unistrut,                                      system. The meter runs backward when the sun is bright.
conduit and re-roofed,” Marlene
says. “Then the women installed                                        through a heat exchanger to                                      there are in New Mexico so
the racks, wires and panels.”                                          the water tank. If there is not                                  most of our solar products go
                                                                       enough heat from the sun to                                      to those locations. But we are
PNM credits her account                                                provide adequate hot water, the                                  headed in the right direction
The electric system is tied into                                       unit’s gas fired burner ignites.                                  and we hope more of the solar
the PNM grid. PNM pays                                                                                                                  products we manufacture here
Brown 13 cents for each kilo-                                          Many tax credits available                                       will stay in New Mexico in the
watt-hour of electricity generat-                                      The cost of installing a residen-                                future.”
ed by the solar panels mounted                                         tial solar electric system is usu-
on her roof. “I use PNM as my                                          ally $10,000 per 1 KW, which is                                  (Use the list of links below to dis-
battery. On sunny days I gener-                                        about one third to one half the                                  cover how you can benefit from state
ate more electricity than I need.                                      amount needed to power an av-                                    and Federal tax credits and energy
On cloudy days, I use more                                             erage home in New Mexico. But                                    upgrades. Then visit to
than I generate. I usually have                                        currently, there are many federal                                check out our low-cost Home Equity
no electric bill. It works like a                                      and state tax credits available to                               Loans and CreditLines.)
checking account. I receive and                                        reduce the expense of installing
spend credits.”                                                        solar systems.
                                                                                                                                             Energy Savvy Websites
Brown’s solar hot water heater                                         Marlene enthusiastically sup-
also collects its energy from a                                        ports solar energy initiatives.                           - Solar Professionals
separate panel on the roof. An                                         “There are more government                                         Directory, Incentives & Laws Guide-
                                                                                                                                          book, local information
anti-freeze solution is heated                                         incentives to use solar energy in
at the panel and then delivered                                        Germany and California than                               - qualify for
                                                                                                                                          tax credits for energy upgrades

                                                                                                                                 - audit your
                                                       Loan Rates                                                                         home’s energy use with help from
     Fixed Rate Loans for Cars, Trucks,                                         SmartARM™ Mortgage                                        Lawrence Berkeley Labs
              SUVs, and Vans                                                               Owner Occupied
                                                                    All purchases, $795 + title & closing costs. Refinances up
         New Vehicles, Fixed Rates                                  to $250,000, $395 + title & closing costs. Refinances over    - DOE Energy
                                                                    $250,000, $795 + title & closing costs. Up to 100% financing           Efficiency and Renewable Energy
   To 36 months                as low as 5.85% apr                  available. Mortgage product closing costs are limited time
                                                                    offers, subject to change without further notice. Fees may be         Site
   37 - 48 months              as low as 6.15% apr                  higher outside NM and CA.
   49 - 60 months              as low as 6.45% apr
   61 - 84 months              as low as 6.75% apr                  SmartARM Variable Rate, 1st, 20 years               5.90% apr
                                                                                                                                 - research
                                                                    SmartARM Variable Rate, 1st, 30 years               6.10% apr         the efficiency of new appliances
           Used Vehicles, Fixed Rates
                                                                    SmartARM Variable Rate, 2nd, 20 years               6.60% apr         before you buy
                                                                    Smart Value 5/15 Fixed/Variable, 1st, 20 Years      6.40% apr
   To 36 months                as low as 6.00% apr                  Fixed Rate for 5 years then Variable.
   37 - 48 months              as low as 6.30% apr                  Smart Value 5/25 Fixed/Variable,1st, 30 Years       6.60% apr -
   49 - 60 months              as low as 6.60% apr                  Fixed rate for 5 years, then variable.                                Albuquerque based solar electric
                                                                    SmartValue 3/37 Fixed/Variable,1st, 40 years        6.40% apr
   61 - 72 months              as low as 6.90% apr                                                                                        components and information
                                                                    Fixed rate for 3 years, then variable.

   APR through 9/26/2006, subject to change without further
   notice. Rate is based on credit history and term and may be                  Home Equity CreditLine                           (Albuquerque)
   higher than rates listed here. Check with the credit union for
   current rates. New car rates may apply for current or prior                                                                            Energy efficiency rebates
                                                                    For refinances, close for $395 plus title & closing costs up to
   two model year vehicles under 25,000 miles.                      $250,000 and for $795 plus title & closing costs for mortgages        Energy tax credits
                                                                    greater than $250,000. For purchases, close for $795 plus title       Free weatherization DVD
                                                                    costs & closing costs for all mortgage amounts. Check with
                          Credit Cards                              credit union for details. Mortgage product closing costs are
                                                                                                                                          Weatherization how-to videos
   Rebate VISA Gold                           11.25% apr            limited time offers, subject to change without further notice.        Household tips
   No fee, earn .75% rebate on purchases.                           Fees may be higher outside NM and CA.                                 Appliances
   Rebate VISA Classic / MC                   11.75% apr
   No fee, earn .50% rebate on purchases.                           Home Equity CreditLine, 1st, 10 years,              6.40%     apr
                                                                                                                                          Home Energy Analysis
   Value VISA Gold                             9.49% apr            Home Equity CreditLine, 1st, 20 years               6.70%     apr     PNM Sky Blue™ wind energy
   No fee, lower rates.                                             Home Equity CreditLine w/SLFCU 1st, 10 yrs          6.40%     apr     program
   Value VISA Classic / MC                     9.99% apr            2nd Mortgage, w/o 1st 10 years                      7.20%     apr
   No fee, lower rates.
                                                                                                                                          Solar PV program
   VISA Student Card                          14.75% apr            APR for new loans; variable rate loans through 10/14/2006;            Customer-owned generation: net
                                                                    subject to change without further notice; owner occupied.
   No fee, students at least 18 years old may apply.
                                                                    Index is 10 Year Treasury Security. Check with credit union
                                                                                                                                          metering and interconnection
   25 day grace period, interest charged under system known         for details.
   as average daily balance including new transactions, no
   annual fee, no minimum finance charge. There is a $20 over                                                                     (Livermore)
   the limit fee and an $20 late payment fee. Interest rates are                                                                          Residential rebates
   valid through 9/26/2006.
                                                                                                                                          Tools, Resources

                                                                                                         Savings Yields
                   Use your SLFCU no-gimmicks
            Visa and MasterCard to get these benefits:                                            Share Savings & Checking             APY*     Rate
                                                                                                 Share Savings $100 to $9,999         1.61     1.60
                               No annual fee                                                     IRA Share Savings $5 or more         1.61     1.60
                                Low rates if you carry a balance                                 Savings & IRA Share Savings
                                                                                                 $10,000 to $49,999                   1.82     1.80
                                25-day grace period on purchases                                 Savings & IRA Share Savings
                                                                                                 $50,000 or more                      2.02     2.00
                                 Travel accident insurance at no extra cost                      Money Manager $500 or more           0.51     0.50
                                   Emergency assistance service
                                                                                                 Sandia Investors Choice Money Market
                                     Car rental collision insurance (Visa only)                  $2,500 - $9,999              2.43             2.40
                                                                                                 $10,000 - $24,999            2.79             2.75
                                                                                                 $25,000 - $49,999            3.15             3.10
                                        VISA Gold cards also offer:                              $50,000 and over             3.25             3.20
                                        $5,000 Minimum Credit Line                               Term Shares
                                                                                                 6 to 11 months
                                      Extended Warranty Protection                               $1,000 minimum balance
                              (A 1% international transaction fee applies outside the US.)       $1,000 - $49,999                     4.39     4.30
                                                                                                 $50,000 - $99,999                    4.55     4.45
                          Apply online or call 505-293-0500 or 800-947-5328                      $100,000 and over                    4.66     4.55

                                                                                                 12 to 23 months
                                                                                                 $1,000 minimum balance
CU@home improvements                                                                             $1,000 - $49,999                     4.86     4.75
(Continued from page 1)                                                                          $50,000 - $99,999                    5.02     4.90
                                                                                                 $100,000 and over                    5.13     5.00
you from getting the session                            it is counted. If you display a          18 month bump rate
time-out warning and extension                          window for a long period with-           $2,000 minimum balance
                                                                                                 $2,000 - $49,999                     4.60     4.50
option. To utilize the session                          out submitting any pages, the            $50,000 - $99,999                    4.76     4.65
extension and other features of                         site times you out for security          $100,000 and over                    4.86     4.75
CU@home, such as eStatements                            reasons.                                 24 to 35 months
and credit card detail, be sure                                                                  $1,000 minimum balance
                                                                                                 $1,000 - $49,999                     4.60     4.50
to allow pop-ups. In Internet                           Comment: “In the new CU@home,            $50,000 - $99,999                    4.76     4.65
                                                                                                 $100,000                             4.86     4.75
Explorer, go to tools/popup                             quick options on some pages like ‘last
blocker/popup blocker settings                          month’ or ‘last 90 days’ are missing.”   36 months
                                                                                                 $1,000 minimum balance
and type in the CU@home ad-                             Reply: The last 30 days of ac-           $1,000 - $49,999                     4.76     4.65
dress:                                                  count history is the default on          $50,000 - $99,999
                                                                                                 $100,000 and over
                                                                                                                                               4.90                              all accounts. You can, however,
                                                                                                 48 month variable rate
                                                        select a different date range or         $1,000 minimum balance
Typing keystrokes into a page                           longer period of history by              $1,000 - $49,999                     5.36     5.22
                                                                                                 $50,000 - $99,999                    5.52     5.37
is not recorded as an “activity.”                       entering the To and From dates           $100,000 and over                    5.62     5.47
Activity is counted when you                            that you want to view using the
submit a page. In other words,                          calendar icons or by keying in
when you have finished typ-                              the dates. You can display up to         *Annual percentage yields through 9/26/2006 subject
                                                                                                 to change without further notice. Penalty may be
ing and then submit that page                           9 previous months.                       imposed for early withdrawal. See for
                                                                                                 complete information about IRA Term Share Certificate
by clicking “OK” or “Send,”                                                                      rates. Penalty for early withdrawal on Term Share

                                                                                                 Please contact SLFCU for complete
                                                                                                 information about applicable fees
                                                                                                 and terms.

                                                                                                 Visit or call
                                                                                                 or 800-947-5328.

                                                                                                                 Contact Us
                                                                                                                  All Services
                                                                                                  505-293-0500 or 800-94-SLFCU (800-947-5328)
                                                                                                         Press 0 for a CU Representative
                                                                                                       FAX 505-237-3737 or 877-256-3737
                                                                                                          Livermore, CA, 925-245-1645

                                                                                                             Routing Transit Number
                                                                                                           307083911 for direct deposits

                                                                                                                 Editor - Jane Pelz

                                                                                                   Submit concerns regarding CU policies and
                                                                                                 procedures, conflicts of interest, and/or fraud to
                                                                                                        SLFCU Supervisory Committee
                                                                                                    PO Box 13045, Albuquerque, NM 87191
Meet the SLFCU 2006 Scholarship Winners
The twelve winners received awards ranging from $250 to $1,000

Each scholar was asked to write an                     Andres Sanchez              future needs to be navigated with
essay about, “The most important                       says “at an early age I     planning, discipline, and budgets.”
thing I’ve learned about money, and                    learned about the ben-      He is pursuing a psychology degree
how I learned it.”                                     efits of saving, bargain     at Calvin College in Grand Rapids,
                                                       hunting, and working        Michigan.
             Wallis “Nikki” Held                       toward a goal. These
             says that “money is the      important skills have helped me pay
             currency of opportu-         for college.” Sanchez is a member                    Miguel Casias writes,
             nity.” Held has lived        of the National Honor Society                        “Money is temporary,
             abroad and, last year,       and the National Dean’s List. He is                  but a person’s education
             she returned to New          working toward a degree in chemical                  is enduring and opens
Orleans after Hurricane Katrina.          engineering at UNM.                                  more than financial pos-
Her activities include volleyball, the-                                                        sibilities.” Casias has
ater, Cum Laude Society, Habitat for                      Ashley Amparan says      worked at Sandia National Labora-
Humanity and the NOLA Hurricane                           she is an “ambitious,    tories. He graduated from UNM
Fund. She attends Tulane University                       dedicated, hard-work-    with dual degrees in engineering and
in New Orleans.                                           ing Mexican-American     psychology and is pursuing a gradu-
                                                          woman. I set high        ate degree in mechanical engineering
              When Jesse Schwe-                           expectations for my-     at the University of Michigan.
              bach’s debt spiraled        self, and settle for nothing less than
              out of control, he          excellence.” The most important
              followed strict rules to    thing she has learned about money                      Kate Watermiller
              get out of the credit       is, “it is not how much you have,                      says, “I was lucky
              trap. Schwebach says,       but what you do with it.” Amparan                      enough to be raised by
“Fortunately, my finances have             has held numerous intern positions                     two wonderful parents
stabilized.” He is a board member         at Sandia National Laboratories.                       who not only cared for
of the UNM chapter of the ACLU            She received a Bachelor of Arts in                     me but also gave me
and a member of Phi Sigma Tau.            Spanish at UNM and is pursuing an        invaluable skills that I will use for
He made Dean’s List each of the           MBA in Management Information            the rest of my life. They taught the
last eight semesters and will graduate    Systems.                                 importance of saving my money.”
from UNM in December.                                                              Watermiller volunteered with Project
                                                       Benjamin Lawry              Share and attends UNM.
              Victoria Cruz states                     writes, “ever since I
              “My dad taught me                        was a young child, my                      Arielle Siegel says,
              that money is not a                      parents taught me that                     “After working long
              necessity in order to be                 saving money ‘for a                        hours for not enough
              happy.” Cruz knows                       rainy day’ is one of the                   money, I really started
              her family is rich “be-     best investments you can make.”                         to see the importance
cause we take care of each other, we      Lawry learned that saving means                         of getting the most for
are healthy, we are all friends and we    being prepared for the future. He        my money. I am glad that my parents
get together as often as possible.”       has participated in mission trips to     taught me how to make the most of
Cruz earned a BS in Statistics with       Mexico and the Ukraine and attends       it.” Siegel has achieved numerous
a second major in Spanish and is          UNM.                                     theatrical, sports, speech and debate
currently working towards a Masters                                                and volunteer credits. She attends
in Public Health. She belongs to                        Caroline Rempe             New York University.
Thomas Aquinas Newman Center                            states, “Money is a tool
and also does volunteer work.                           to be utilized for needs   We thank the volunteer Scholarship
                                                        and wants, but may also    Committee. Their dedication and
             Kevin Meeks writes, “I                     be amplified through        strong sense of fairness is critical
             see the great value of                     utilizing interest and     to the success of this annual event.
             money and the poten-         investiture.” Rempe was a Camp           Members include Lee Derks, Scott
             tial it has to increase      Counselor and a Swim Instructor at       Kimball, Merri Lewis, Sheina North,
             my quality of life. I also   Eldorado High School. She attends        Lisa Peterson, Nicole Reyes, Jetta
             recognize the danger of      UNM.                                     Reynolds, John Reynolds, Deanna
placing too much value on money                                                    Roskop, Dorie Sanders, Neeta Verma
and letting it corrupt my morals.”                     Brian Klassen muses,        and Tracy Woolever.
Meeks belongs to the Junior Engi-                      “Over the past year,
neering Technological Society, is a                    two things dawned on        Visit for more information
Lockheed Martin Merit Scholarship                      me: first, the older you     on scholarships and financial education.
recipient and volunteers at the Pub-                   get, the less disposable
lic Library. He attends Texas Tech                     income you have; and
University.                               second, I’m getting older.” Klas-
                                          sen explains, “I see that my financial
           Coming Soon:                                       Members help children at UNM,
                                                              Carrie TIngley and Oakland
          SLFCU Business!                                     Children’s Hospitals
We are excited to announce that effective Novem-
ber 1, 2006, SLFCU will introduce a full selection
of convenient, high-value savings, checking and
loan accounts for businesses. Soon your business
can enjoy the great service and competitive pric-
ing that you’ve come to expect for your personal
financial accounts.

If you’re interested in business services, please join         Emma-Leigh was critically                   Sean suffered a fractured
us for a complimentary seminar:                                injured by a vicious dog.                   skull and traumatic brain
   Introduction to SLFCU Business Services                                                                 injury in a skiing accident.
               and Business Online
            Tuesday, October 24, 2006
                  6:00 - 7:30 p.m.
  Juan Tabo (at Comanche) Training Rooms

Visit or call (505) 237-7461, or 800-947-
5328 ext. 7461 to reserve your space today.

Watch for more information about business ser-
                                                               A tumor had closed Avery’s               Stephanie suffered a com-
vices in the November Dollars & Sense, in your                 trachea, crushed a lung and              bination of flu, strep and
end of October statement, and on                wrapped itself around his heart.         pneumonia that triggered an
                                                               The leukemia was spreading to            auto immune deficiency in her
                                                               his brain when Dr. Winter and            brain. After spending weeks
                                                               his team intervened.                     in a coma and on life support,
                                                                                                        she regained consciousness and
                                                                                                        began a long recovery.

                                                                 All of these children are recovering thanks to
                                                                 the special care they received at UNM Chil-
Phone                                                            dren’s and Carrie Tingley Hospitals.

                                                                 Please support care for the kids
options                                                          You can help by making a
will change                                                      donation to the Children’s
                                                                 Miracle Network “Credit
                                                                 Unions for Kids” account
                                                                 by calling the Phone
Due to the introduction of SLFCU Business                        Center at 505-293-0500 or
Services, phone options will change starting in                  800-947-5328. And you
early November; however, your access to                          can buy a Sandy the Lab
CU@home® On the Phone will remain un-                            Puppet or Gund stuffed animal at any branch.
changed.                                                         Stock up early for the holidays!
The new main menu will be:
0=Speak to a Representative (no change)                          Phishing and denial of service
      1=Personal Account Representative                          attacks thwarted
      2=Business Account Representative
                                                                 Waves of mass email on September 27 and 28 attempted to lure
1=CU@home On the Phone (no change)                               recipients to websites designed to mimic SLFCU. They were
2=Other personal account actions                                 “phishing” emails intended to fraudulently obtain sensitive financial
3=Business accounts                                              information and were received by SLFCU members and also by
                                                                 many non-members. Through the work of our IT professionals and
4=Investments                                                    online security partners, the fraudulent websites were shut down. In
5=CU information                                                 a related incident, was intentionally overloaded with
                                                                 visits in a “denial of service” attack and was unavailable for several
                                                                 hours on September 28. The security of CU@home® computer
                                                                 home banking was not compromised in these incidents.
                                                                 Your credit union will never initiate a request for personal or
                                                                 financial information from you by email or telephone.
                                                                 If you clicked on a link in a suspect email message, please update
                                                                 your antivirus software and then run a full system scan. If you en-
                                                                 tered any sensitive information from a link in one of these messages,
                                                                 please contact SLFCU as soon as possible by calling 800-947-5328
                                                                 or 505-293-0500. We also recommend that your computer is updated
                                                                 with the latest Microsoft patches by running Automatic Updates
                                                                 from Microsoft’s website at
                                                                 Please visit for more information.
                                                                                                   Member first to join                                                 PRSRT STD
                                                                                                PNM Solar Buyback Program                                              US POSTAGE PAID
                                                                                                           Scholarship winners                                         ALBUQUERQUE, NM
                                                                                                                                                                       PERMIT NO 417
 Financial choices to help you succeed.                                                                     Members ask about
      3707 Juan Tabo, NE                                                                                    the new CU@home
    Albuquerque, NM 87111

                                               On the Calendar
                              Careers: Explore The Possibilities
                         2006 Teen Financial Seminar Series Event #5
Explore technology careers, entrepreneurship and your financial future.
Sandia Labs and Tech Park representatives will share their experiences.
October 18, 2006 from 6:30-8:00 p.m., Credit Union Center, Juan Tabo and
Comanche. Make a reservation today by visiting ‘On the Calendar’ at www. or call (505) 237-7461 or 800-947-5328 ext. 7461.

                                           Fall CU Auto Used Vehicle Sale
$3,000,000 worth of specially selected used vehicles and many “late model”
vehicles. October 20 and 21 from 9 AM to 5 PM at CU Auto Services, Inc.,
4865 Pan American Fwy NE, Albuquerque, NM 87109. 505-345-6601 or

    Introduction to SLFCU Business Services and Business Online
Tuesday, October 24, 2006, 6:00 - 7:30 p.m. Juan Tabo Training Rooms
Visit or call (505) 237-7461, 800-947-5328 ext. 7461 to reserve
your space today.

                           SNL Health Benefits and Employee Services
                                Diabetes Awareness Health Fair
Saturday, November 18 from 9 AM to 1 PM at Credit Union Center, Juan
Tabo and Comanche. Free blood pressure checks, free heel bone density
osteoporosis checks, glucose meter swap for members of SNL health plans,
health and diabetes informational materials. Please check for

                      November Thunderbirds (SNL Retirees) Meeting
                      Tony Sylvester, Special Project Manager for the
                           Mid-Region Council of Governments
November 13, 2006 at 2 PM or come early for lunch. Mountain View Club,
KAFB. A status report on the New Mexico Rail Runner. The meeting is
open to all at no charge. Call Rod at 836-6977 for more information.

                                   Trusts and Wills
                   October 25, 12 PM at Tech Park, 6:00 PM at Juan Tabo
The “must have” documents. Guest Speaker: Cristy J. Carbon-Gaul from the
                 law offices of Sutin, Thayer & Brown.

    Please email us at or call 237-7330 or (800) 947-5328
                           x7330 for reservations.
* Representatives are registered through, and securities are sold through, CUNA Brokerage Services, Inc. (CBSI), member NASD/SIPC, 2000 Heritage Way,
 Waverly, Iowa 50677, toll-free (866) 512-6109. Insurance sold through licensed CUNA Mutual Life Insurance Company Representatives, and in New York,
licensed insurance representatives of other companies. Nondeposit investment products are not federally insured, involve investment risk, may lose value and are not
                                               obligations of or guaranteed by the credit union. B2MM-1104-35F1

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