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					                                Owners Count                                                                                         Second Quarter 2010

                             Atlas Insurance:
                             Safety net for the unexpected.
                             An insurance policy is a safety net against the great           73rd Annual Membership
                             unknown; it provides you with the peace of mind that you        Meeting & Luncheon:
                             can get back on your feet after an accident, property loss or
                                                                                             Hawaiian music by the sea
                             catastrophe. Simply stated, insurance is a necessity and in
                             some cases legally required. However, there are also ways to
                                                                                             accompanies good buffet.
                            save money on auto and home insurance premiums, especially       Every year, the Annual Membership Meeting &
                            during these tough economic times.                               Luncheon features great food, cash prizes and valuable
                                                                                             fellowship. This year’s event will be no exception. And,
                           Auto tiPS
                                                                                             we are proud to offer outstanding, local hosting and
                           • Be a good driver and keep your car insured.                     entertainment for you to enjoy along with your buffet
                           Insurance companies give good drivers a break in the form of      and white sand views from the Hapuna Beach Prince
                          good driving discounts, accident free discounts, and continuous    Hotel, Saturday April 24, from 11:00 a.m. to 2:30 p.m.
                         coverage discounts. A ticket for a moving violation or for no
                                                                                             Cash Prizes! Over the past 73 years, we’ve given
                        insurance could increase your premiums.
                                                                                             away thousands of dollars in cash prizes at the
                       • older vehicles. With older vehicles, consider raising your          Annual Meeting. Your turn to win may be this year!
                      deductibles or dropping comprehensive and collision coverage.
                                                                                             (Story continued inside)
                     Generally, if your car’s Blue Book value is less than $2,000, it
                     makes sense to drop comprehensive and collision coverage.
                    • Consolidate. If you have more than one vehicle, or if you are a
                   homeowner, keep your policies with the same insurance company so
                  you can take advantage of multi-car and/or multi-policy discounts.

                HomeownerS tiPS
               • Discounts for safety features. Insurance companies give
              discounts for smoke/fire alarms, burglar alarms and hurricane clips.
             These features make your home safer and they also reduce the
            probability of a loss.
           • minimize other hazards in your home. Trampolines, dead trees
         and plants, excessive debris around your home, and even owning
       vicious dog breeds could make your home ineligible or uninsurable with
      companies that offer the best rates.
     • Consider a higher deductible. A $1,000 deductible versus a $500 deductible            Come join us at the beautiful Hapuna Beach Prince Hotel for the
   could save you some money on your insurance premium. For most cases, a $1,000             73rd Annual Membership Meeting & Luncheon.
  deductible is reasonable. Save your homeowners policy claims for big losses. You will
lose your claims-free discount if you file small claims excessively.
                               For more information and for quotes on premiums with all
                               the qualifying discounts for HCFCU members, call Elaine
                               Panlilio at Atlas Insurance Agency, 854-2818.
Ask the expert:
                                                                         Investment corner:                                  Sensible investment strategies.
By Arnold Kanai,
                                                                         Bonds have historically been much less volatile than stocks, so adding them to a portfolio can help decrease
Vice President, Support Services
                                                                         the overall volatility of your portfolio.
Tips to avoid identity theft.                                                                   According to Hartford Advisors, for the 20-year period ending June 30, 2009, a $100,000
                                                                                                investment in the S&P 500 Index would have grown to $443,882; while a more diversified
Q. what are the warning signs of identity theft
                                                                                                investment of 70% in the S&P 500 Index and 30% in the Barclays Capital U.S. Aggregate
   and how can i keep my information secure?
                                                                                                Bond Index (the broadest measure of bonds) would have grown to $431,674--nearly as much
A. First, let’s define identity theft. When someone                                             growth but with much less volatility. This is a hypothetical example and is not representative
   uses your personal information to open an account                                            of any specific situation. Your results will vary.
   or to apply for a service, or takes over an existing
                                                                                                     Steven r Fassbender CFP® CLu CFS
   account or service, you can consider yourself
                                                                                                     LPL Registered Principal
   a possible victim of identity theft. Here are a
                                                                                                     Securities and Insurance products offered through LPL Financial and its affiliates, Member FINRA/SIPC. Hawaii Community
   few warning signs indicating that your personal                                                   Federal Credit Union; not a registered broker/dealer nor affiliated with LPL Financial.
   information might have been stolen and utilized:
                                                                                                                 Not NCUA insured                   No Credit Union Guarantee                    May Lose Value
    • Missing bills or statements. If you did not
      receive an expected bill or statement by mail.
                                                               The Standard & Poor’s 500 Index is a capitalization–weighted index of 500 stocks designed to measure performance of the broad domestic economy through changes
                                                               in the aggregate market value of 500 stocks representing all major industries. The Barclays Capital U. S. Aggregate Bond Index is a market-capitalization-weighted
    • Unexpected charges. If there are charges                 index of investment grade bonds designed to measure performance of the broad domestic economy through changes in the aggregate market value of investment grade
      you don’t recognize on your account,                     bonds traded in the U. S. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for
                                                               any individual. To determine which investments(s) may be appropriate for you, consult your financial advisor prior to investing. All performance referenced is historical
      or transactions with vendors you don’t                   and is no guarantee of future results. All indices are unmanaged and cannot be invested into directly.
    • Denied credit. If you are denied credit or
      are offered less than favorable credit terms
                                                                                                                                    2010 Youth Week:
      for no reason.
                                                                                                                                    Game on! “Get in the Savings Game,”
    • Unsolicited credit cards. If you receive
      credit cards that you didn’t apply for.                                                                                       April 19 to 24.
                                                                                                                                    Calling kids all over the island! It’s time to “Get in the Savings Game” in 2010.
    • Collection calls. If you get calls from
                                                                                                                                    This April, during National Credit Union Youth Week, kids can compete for fun
      creditors or debt collectors regarding
      merchandise or services that you did                                                                                          and prizes, making deposits into their savings and then watching how fast
      not buy.                                                                                                                      they grow. Of course, it’s also about the prizes! This year’s theme, “Get in the
                                                                                                                                    Game” invites kids to enjoy saving money as much as they do playing games.
   Experiencing one or all of these may                                                                                             In the past, we’ve given away Nintendo Wii sets, Gameboys and iPods. Visit our
   mean your identity and/or credit                                                                                                 Web site for more about the prizes and additional details about the promotion.
   has been compromised. For a
   small monthly fee, ITAC Sentinel
   provides members three levels
   of account monitoring. To learn
   more, visit our Web site or call
                                                 Annual Meeting:                         Entertainment
   930-7700.                                    Dancing, singing, dining, winning. KAPA Hawaiian FM mid-day host
                                               Ka‘ea Alapai will emcee our event, which showcases a fine group of Hawai-
   Arnold Kanai supervises
                                             ian musicians and dancers. Eddie Heaukulani performs during lunch while
   Electronic Services,
                                            marquee entertainer Lorna Lim will sing numbers from her new CD, Polinahe.
   Compliance, Security
                                          Performances will include those by Miss Kona Coffee 2010 Wikolia Enos and
   and Facilities
                                        Miss Aloha Hawaii 2010 Mahealani Nakaahiki. Featured hula soloist Michelle
   Management at the
                                       Kaulu Amaral and her lovely daughter Misti Manasas will grace the stage with
   Credit Union.
                                     their breathtaking hula renowned throughout Hawaii.
                                   this event is nearly always sold out, so get your tickets today!
                                 Annual Meeting Ticket Prices: $20               Adults ages 13 years and older
                                                                                                                                                   Emcee Ka’ea Alapai is a mid-day host with                  Michelle Kaulu Amaral and her
                                                               $10               Children between the ages of 5 & 12 years                         KAPA Hawaiian FM. Also a kumu with Ke Kula                 Manasas are featured soloists a
                                                               No Charge         Under 5 years old                                                 ‘o ‘Ehunuikaimalino- Hawaiian Language                     Coast, and are honored to shar
                                                                                                                                                   Immersion School, she endeavours to bring the              Hawaii and of hula.
                                                                                                                                                   beauty of the Hawaiian culture to the world.
                                                                                                                                                In the know:
                                                                                                                                                Important member
                                                                                                                                                Here are a few important notifications that
                                                                                                                                                our members need to know about.
                                                                                                                                                Funds Availability Policy (regulation CC).
                                                                                                                                                Our general policy is to allow you to withdraw funds
                                                                                                                                                deposited in your account on the first business day
                                                                                                                                                after the day we receive your deposit. In some cases,
                                                                             MoneyMix:                                                          we may delay your ability to withdraw funds beyond
                                                                             Online financial planner.                                          the first business day. Then, the funds will generally
                                                                                                                                                be available no later than the ninth business day
          A wealth of info for members 18 to 30. Another of our practical, interactive online tools that helps younger                          after the day of deposit.
          members manage their finances, MoneyMix speaks their language with relevant information that addresses topics
                                                                                                                                                unlawful internet Gambling (regulation GG).
          of interest, including housing, borrowing, insurance, investing and more. Access MoneyMix on our Web site at
                                                                                                                                                The Act prohibits any person engaged in the business
 Just a few of the site’s features include:                                                                         of betting or wagering (as defined in the Act) from
          • Streaming. Stream video, articles and blogs on a variety of financial topics.                                                       knowingly accepting payments in connection with the
          • mymoneymix Profile. This feature allows you to create a personal profile complete budgets, checklists and                           participation of another person in unlawful Internet
            other tools that help facilitate student or auto loans, long-term planning and ways to reduce spending.                             gambling. Such transactions are termed ‘‘restricted
                                                                                                                                                transactions.’’ The Act generally defines ‘‘unlawful
          • Credit. How to use—not abuse—credit.
                                                                                                                                                Internet gambling’’ as placing, receiving, or otherwise
          • Save. Learn how to save for big purchases and retirement.                                                                           knowingly transmitting a bet or wager by any means
                                                                                                                                                which involves the use, at least in part, of the Internet
                                                                                                                                                where such bet or wager is unlawful under any
                                                                                                                                                applicable Federal or State law in the State or Tribal
                                                          Puako Lunch Buffet                                                                    lands in which the bet or wager is initiated, received,
                         Soup of the Day • Sliced Hawaiia                                                                                       or otherwise made.
                                                            n Fruits • Pineapple, Big Island
                         • Caesar  Salad with Garlic Croutons • Trad                           Papaya and Oahu Melons
                                                                     itional Caesar Dressing • Waipio                                           non-Visa Pinless Debit transactions. You may
                         • Grilled Shrimp Sala •                                                         Fernshoot Salad
                                               d Pasta Salad with Roasted Pep                                                                   use your InstaCheck Visa Debit Card to initiate both
                                                                                 pers, Pine Nuts and Feta Cheese
                        From the Chafing Dishes :                                                                                               Visa debit transactions and non-Visa transactions
                                                         Sliced Teriyaki Tri-tip Sirloin with
                        Nut Crusted Chicken with Cabern                                       Crispy Onions • Macadamia                         without using a personal identification number (PIN)
                                                          et Sauce • Steamed White Rice •                                                       to authenticate the transactions.
                        • Cheese Straws and                                                     Vegetable of the Day
                                                                                                                                                (Story continued on back)
                       From the two Dessert Station
                                                             s: Apple Cinnamon Oatmeal Cris •
                       • Strawberry Cheese                                                        pe Haiku Lime Tarte
                                             cake • Freshly Brewed Kona Ble
                       • Prince Selection of
                                                                                nd Coffee, Decaffeinated Coffee
                                             Teas, hot or cold • No Host Bar

 daughter Misti      Eddie Heaukulai’s soothing vocals will        Lorna Lim’s beautiful voice, deep knowledge      Miss Aloha Hawaii 2010 Mahealani Nakaahiki.     Miss Kona Coffee 2010 Wikolia Enos.
along the Resort     accompany the lunch buffet.                   of hula, and her connection to Hawaii Island’s
re their love of                                                   musical traditions place her among our living
                                                                   treasures. We are honored to have her perform
                                                                   at our meeting.
                                                                              Member notifications.
                                                                              (Continued from inside)
                                                                              To initiate a Visa debit transaction, you may sign a
                                                                              receipt, provide a card number or swipe your card
                                                                              through a point of sale (POS) terminal and choose to
                                                                              route the transaction over a Visa network.
                                                                              To initiate a non-Visa debit transaction, you may
                                                                              enter a PIN at a point of sale terminal or, for certain
                                                                              bill payment transactions, provide the account
                                                                              number for an e-commerce or mail/telephone order
                                                                              transaction after clearly indicating a preference to
                                                                              route it as a non-Visa transaction. We have enabled
                                                                              non-Visa debit transaction processing on the Star,
                                                                              CO-OP, and Plus networks.
                    Sentimental Journey:
                                                                              The rights and protections applicable only to Visa
                    Sales of new book helps                                   debit transactions, including additional consumer
                    The Food Basket.                                          liability limits and streamlined error resolution
                                                                              procedures, as described in your Electronic Fund
                    As part of our ongoing social responsibility efforts,     Transfers Agreement and Disclosure will not apply to
                    we are helping out The Food Basket by offering the        transactions processed through non-Visa networks.
                    new, 256-page, coffee table book entitled “Big Island
                                                                              Credit Card Act notification. Unless you tell
                    Journey.” A portion of the proceeds from sales of this
                                                                              us otherwise, we will decline any transaction that
                    beautiful publication will go to this worthy community
                                                                              causes you to go over your credit limit. If you want
                    organization. Featuring vintage images combined with
                                                                              us to authorize these transactions, you can request
                    excellent storytelling, the book captures the history
                                                                              over-the-credit limit coverage.
                    of Hawaii Island from early Polynesian settlement
                    through the 21st century. Regularly priced at $40, the    If you have over-the-credit limit coverage and you go
                    books are available to the community for a special rate   over your limit, we will charge you a fee of $20.00.
                                                                              You will only pay one fee per billing cycle, even if you
                    of just $26. Enjoy reading about the history of Hawaii
                                                                              go over your limit multiple times in the same cycle.
                    while knowing you are helping feed the hungry in our
                    community. Stop by any branch for details or visit our    If you request over-the-limit coverage, in some cases
                    Web site for more information.                            we may still decline a transaction that would cause
                                                                              you to go over your limit, such as if you are past due
                                                                              or significantly over your credit limit.
                          Did you                               ch in         If you want to authorize transactions that go over
                                                alakekua bran
                              tion of our Ke
              During construc                          e temporarily          your credit limit, please call us at: 808 930-7700 or
                                    operations wer
              1972  , credit union                        iu. The sign        toll free at 1-800-514-2328, visit our Web site or check
                                         alley in Kainal
                       in the bowling                           t the         the appropriate box on the Consent Form that was
               housed                         ilding today, bu
               can still be seen on the bu                                    mailed to you and return the form to us at 73-5611
                               itself is long go
                bowling alley                                                 Olowalu Street, Kailua-Kona, HI 96740. Please note:
                                                                              For your convenience a separate notification has
Community Calender                                                            been mailed to you to authorize transactions that will
                                                                              exceed your credit limit. Additional details are also
                                                                              available on our Web site at
monday, may 31                           week of April 19-24
memorial Day                             national Credit union Youth week
Branches Closed
                                         Saturday, April 24                   Saturday, April 17
monday, July 5                           73rd Annual membership meeting       9th Annual Kona Chocolate Festival
independence Day observance              & Luncheon                           & Symposium
Branches Closed                          Hapuna Beach Prince Hotel            Sheraton Keauhou Resort & Spa

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