Things You Want_ by cuiliqing


									OCTOBER 2009                                                BUILDING STRONG FAMILIES FOR A STRONGER COMMUNITY

Tools on the Web
From buying or refinancing a
home or car to managing your
money, we have FREE 24/7
online resources to help.
• Financial Guidance
• Financial Calculators
• Personal Security
• Bankruptcy
• Auto Financing
• Mortgage Information
• Personal Investment
• And more!

Save money. Make money.
Make your life easier. Visit                                                                                                      5.99% APR*, under                                                                                                              HOME
the “Advice & Education” tab.
                                                                                                                                EQUITY LOAN
                                               We Have Money to Lend for the                                                          No Closing
                                                 Things You Want!
                                                 • Home improvements                                    • New or used car
                                                 • New energy-efficient appliances                      • College tuition
                                                   Or do you just need to pay off bills?
                                                    We have low-rate loans and $15 million to lend for auto loans, credit
                                                    cards, large purchases, personal loans, home equity loans and more.

“The educational and informational
 tools on APGFCU’s website are
 fantastic! Please thank whomever is
                                                       Plus, save up to 2%† on your auto loan
                                                        when you refinance with us!

                                                          Act fast! Apply online 24/7 at, call 410-272-4000,
                                                           press 4, or stop in any one of our nine branch locations.
                                          *Annual Percentage Rate (APR) as of 9/8/09 and subject to change. Rate stated above available on approved credit and
                                           includes a .25% discount for automated payments. To qualify for the automated payment interest rate, you MUST have
                                             direct deposit, payroll deduction, or an Automated Clearing House deposit to APGFCU that is used to repay your loan.
                                              5.99% APR assumes a 10-year term and a maximum loan-to-value (LTV) of 85%. For every $1,000 borrowed at 5.99%
 responsible for the content. We say,           APR for 120 months you would pay $11.11 monthly. Certain restrictions apply. **APGFCU will pay closing costs up
 ‘Thank you very much!’ Keep up the               to a maximum of $1,200. Members may be required to pay appraisal costs when LTV exceeds 80%. If you pay off
                                                    your Home Equity Loan within three (3) years, we will add any closing costs we paid on your behalf to the
 excellent work.”                                    outstanding balance. Adequate property insurance is required, and if applicable, flood insurance will be required.
             Member-Owner, Harford County              This offer is available on primary and secondary single family residences or owner occupied condominiums
                                                         located in MD, DE, PA, VA, FL and NJ. †See inside for details.
Like Your Car, But Not                                                                     FREE WORKSHOPS                                                         Bring a
                                                                                                                                                                friend and
Your Loan Payment?                                                                     HARFORD COUNTY FINANCIAL FITNESS FAIR
                                                                                                                                                                 receive a
                                                                                                                                                                FREE gift!
APGFCU Will Beat Your Current                                                        Saturday, October 17, 2009 • 10:00 a.m.–2:00 p.m.
                                                                                     William N. McFaul Activities Center • 525 W. MacPhail Road, Bel Air
Auto Loan Rate By Up to 2%*                                                         Get FREE, confidential financial advice from local credit union experts. Learn how
                                                                                   to understand your credit report, how to budget your money, and plan for your
When you refinance                                                                financial future. There will be prizes, refreshments, youth activities, and more. For
to a lower rate,                                                                  more information, visit, or call 800-492-4206 (toll-free).
you’ll not only
                                                                                 FoolProof Your Finances!
on your
                                                                                Tuesday, October 20, 2009 • 6:00 p.m.–7:30 p.m.
                                                                                APGFCU Aberdeen Branch • 996 Beards Hill Road, Aberdeen
payment, but
you’ll also                                                                     Tuesday, October 27, 2009 • 6:00 p.m.–7:30 p.m.
qualify for our                                                                 APGFCU Elkton Branch • 1204 E. Pulaski Highway, Elkton
Member Rewards                                                                  This workshop will provide the top strategies to help you improve your family’s
program, entitling                                                             financial well-being, save money and time, and protect your credit, identity and assets.
you to FREE services,                                                          Learn how to use our 24/7 online resources so you can work from the comfort of your
premium rebates, discounts, and more.                                          home. (Reservations: 410-893-7359 or
Apply online 24/7 at,
call 410-272-4000, press 4, or stop in.
                                                                           The Right Auto Loan & Insurance at the Right Price
                                                                           Wednesday, October 21, 2009 • 6:00 p.m.–7:30 p.m.
*Not all applicants will qualify for the lowest rate. The loan             APGFCU Home Loan Center, 2nd Floor • 321 S. Main Street, Bel Air
 floor rate is 4.95% APR (Annual Percentage rate) and the
 minimum loan amount is $7,000. Maximum loan term is                      Learn the hidden costs of auto buying and negotiation, how to make an informed
 84 months. A $20 loan transfer fee will be assessed to
 each refinanced vehicle loan. Rates stated available on
                                                                          decision before you buy, and how to select the right loan and insurance to fit your
 approved credit and may be different as determined by                    needs. (Reservations: 410-612-2361 or
 the individual creditworthiness of each applicant. Other
 rates and terms available. Ask for details. Existing loans
 with APGFCU are not eligible.                                            Avoid the Credit Card Trap
                                                                          Wednesday, October 21, 2009 • 6:00 p.m.–7:30 p.m.
                                                                          APGFCU Home Loan Center, 2nd Floor • 321 S. Main Street, Bel Air
                                                                          Learn the importance of understanding the fine print in credit card offers, how to shop
                                                                          for the best offers, how to use, maintain and repay your credit, the importance of credit
Make the Shopping                                                         reports and credit scores, and more. (Reservations: 410-893-7359 or
Season Merrier and More
                                                                           New Member Welcome Reception
Rewarding Than Ever                                                        Wednesday, October 21, 2009 • 6:00 p.m.–7:00 p.m.
                                                                           APGFCU Elkton Branch • 1204 E. Pulaski Highway, Elkton
Whether you’re shopping
                                                                           APGFCU welcomes new member-owners and introduces and explains the benefits that
online or braving the malls, the
                                                                           membership brings. APGFCU representatives will be on hand to discuss products and
APGFCU Platinum Plus Visa®
                                                                           services, and money-saving benefits. (Reservations: 410-612-2361 or
Card makes it easy to buy gifts this holiday
season. Plus, you can earn a 1% REBATE*
when you transfer other credit card
balances to your APGFCU card.                                                  Maximize the Value of Your Home
                                                                                Thursday, October 22, 2009 • 6:00 p.m.–7:00 p.m.
Most credit card companies charge their                                         APGFCU Home Loan Center, 2nd Floor • 321 S. Main Street, Bel Air
customers a fee to transfer a balance, but                                       Learn about current real estate market conditions, how these conditions can affect
APGFCU pays you. There’s no fee for this                                          property value, and how to increase home appraisal value. Dominic C. Corson,
service and no annual fee for our cards.                                          Corson Residential Appraisers Inc., will also address how property value is
You also earn points on your purchases that                                        determined. (Reservations: 410-612-2361 or
you can redeem for merchandise or travel. The
more you use your card, the more you earn.                                          How Can a Trust Account Help My Family?
                                                                                     Monday, October 26, 2009 • 6:00 p.m.–7:30 p.m.
Get your card in time for the holiday season.
                                                                                     APGFCU Home Loan Center, 2nd Floor • 321 S. Main Street, Bel Air
Apply online 24/7 at, call
410-272-4000, press 4, or stop in.                                                    What is a trust, and how is it formed? In this workshop, you will learn about the
                                                                                      different types of trusts, in simplified terms, and how they can financially benefit
*Balance transfer rebate offered on first two transfers, per card, per year.           any family. (Reservations: 410-612-2361 or
This is the Credit Union Difference                                                     Official Election Rules
2010 Board of Directors Election Preview
Presenting Your Five Candidates                                                            The following are the official rules, according to
                                                                                            the APGFCU Bylaws, for nomination of officials
Members will vote for four (4) candidates. Each person elected will serve a three-           for the election to the Board of Directors. Any
year term. Ballots will be mailed to you in January 2010 with your fourth quarter             further nominations from the membership must
statement. Voting will be from January 6 to March 26, 2010. You can vote by                    be made according to the rules and deadline
electronic device or return your ballot by mail. The results of the election will be           dates below.
announced at the Annual Meeting on Tuesday, April 20, 2010, at the Richlin
Ballroom in Edgewood, Maryland. Watch for more details about the Annual Meeting                 1. At least 120 days prior to the Election, the
on your ballot and in upcoming issues of our newsletter and at                  Chairman of the Board shall appoint a Nominating
                                                                                                 Committee of not fewer than three members.
Biographical information supplied by the candidates. APGFCU does not endorse                     2. The Nominating Committee shall nominate at
any candidate. Order of the candidates chosen by lots.                                           least one member for each vacancy, including an
                                                                                                  unexpired term vacancy for which elections are
                                                                                                  being held, plus at least one more candidate.
               Barry D. Decker                                                                     3. The Nominating Committee shall file its
               ”I consider it an honor to continue representing you as our credit union,           nominations with the Secretary of the Board at
               APG, and Harford County continue to grow and prosper during the                     least 90 days prior to the Election. Prior to filing,
               BRAC transition.” A Director since 1988, I am currently Chairman of the              the committee shall determine that the
               Credit Appeals Committee. I have a Master’s Degree in Management,                    members nominated are agreeable to the
and previously served on Human Resources, Delinquent Loan, Technology, Nominating,                   nomination and will accept office if elected.
Community Involvement, and Planning, Budget, and Asset Liability Management                          Written notice must be sent to members at
Committees. Retired from the Army as a command sergeant major.                                       least 75 days prior to the Election. THIS IS
                                                                                                     YOUR NOTICE.
               Alan W. Benton                                                                        4. Nominations for vacancies may also be
              A long time member of APGFCU. Experienced volunteer having served                      made by petition signed by one percent of
              as a Board Director, Associate Director, alternate on the Supervisory                  the membership (84,833 members as of
                                                                                                     August 31, 2009) or 500 members,
              Committee and as a member of four Standing Committees (Bankruptcy,
                                                                                                     whichever is less. Each candidate must
              Charge-off, Delinquency; Human Resources; Planning Budget, and ALM;                    present a separate petition.
and Volunteer Recruitment). Have been active in church and civic organizations                           a) Such petitions must be filed with the
(Harford CC, Wilson Ministry Center). “Committed to work in the best interests of                           Secretary of the Board at least 40
members and APGFCU.”                                                                                        days prior (November 27, 2009) to
                                                                                                            the Election.
               Michael L. Dixon                                                                          b) To be effective, such nominations shall
                Joined the APGFCU family in 1988 and subsequently began service as a                        be accompanied by a certification from
                volunteer. Elected to the Board in 1993 (as Army Lieutenant Colonel).                       the nominee or nominees stating that
                                                                                                            they are agreeable to nomination and
                Currently, serving third term as an Associate Director of the Board. Built a
                                                                                                            will serve if elected to office.
                foundation as an alternate on the Supervisory Committee. Service for the                 c) Each nominee by petition shall submit a
members includes the Community Involvement, Bankruptcy/Charge-Off/Delinquency,                              brief statement of qualifications and
and Credit Appeals Committees. BS in National Security from West Point. “I believe it’s                     biographical data with the petition.
all about serving the APGFCU members.”                                                                   d) To be valid, all signatures must be
                                                                                                            accompanied by a printed last name.
               Dee Layman                                                                          5. The Secretary shall cause all nominations to
              Member since 1987. Served on Credit Appeals, PBALM, Volunteer                       be posted in a conspicuous place in each Credit
              Recruitment, HR, Community Involvement and current Director. Bachelor               Union office at least 35 days (December 2,
              Business Administration. Owner/Manager Dee’s Flowers, PX Flower                     2009) prior to the Election.
              Shop, and Apollo’s Tanning. Logistics Management Specialist,                        6. All elections shall be determined by a plurality
USAOC&S; Transportation Specialist SAD; Operations Officer, 123rd ASG, Europe.                   vote and will be conducted by electronic device
Member Aberdeen Lions, APG Chapel Choir, Parish Council. “Thank you for choosing                 or mail ballot.
me to represent you three years ago. This proud Mom and happy Grandmom will
                                                                                                 7. Voting shall be by members only. Only a person
continue to work for your best interest.”
                                                                                                who has completed an application and has been
                                                                                                accepted for membership is eligible to vote or sign
               Windsor L. Jones                                                                a petition for nomination, provided that member is
               Established membership with APGFCU in 1987. Currently serving a                 at least sixteen (16) years old.
               fourth term as a Board member with over 15 years experience as a
                                                                                              8. In defining membership, the Federal Credit Union
               volunteer. Previously served on the Executive, Human Resources,               Act states, “Shares may be issued in joint tenancy
               Community Involvement, Credit Appeals, Bankruptcy, Charge-Off                 with right of survivorship to any persons designated
and Delinquency committees. Presently employed at APG by the U.S. Army                      by the credit union member, but no joint tenant shall
Evaluation Center. Holds a BS in Mathematics and a MS in Operations                        be permitted to vote, obtain loans, or hold office,
Research. “I plan to continue representing the best interest of our credit union          unless he is within the field of membership and is a
members and community.”                                                                  qualified member.”
Open the Treasure
Invest in Our Children
                                                                                                                                           Mailing Address
APGFCU is a proud corporate donor to the Boys & Girls                                                                                       P.O. Box 1176
Clubs of Harford County. For over 15 years, we have                                                                                          Aberdeen, MD 21001-6176
partnered with the Clubs’ children, their families, professional
staff, and volunteers. A child’s full potential is a highly valued treasure.                                                                    Online Banking

The Boys & Girls Clubs’ mission is: “To enable all young people, especially those who need                                                         Mobile Banking
us most, to reach their full potential as productive, caring, responsible citizens.”                                                      

What makes the Boys & Girls Clubs special? Here are a few facts:                                                                                      Phone Banking/Teléfono Bancario
                                                                                                                                                      410-272-4000, press 2
• Offers a dedicated facility for after-school activities, not merely classrooms in a school.                                                         1-800-225-2555, press 2
• Employs full-time youth development professionals trained to implement outstanding programs.
• Neighborhood-centered clubs provide specialized programs, including character development,                                                             Loan Applications
  educational enhancement, and career exploration.                                                                                             
                                                                                                                                                         410-272-4000, press 4
• 57% of Boys & Girls Clubs alumni say that participating in a club “saved my life.”                                                                     1-800-225-2555
• Serves more than 4,500 youth ages 6–18 annually.
                                                                                                                                                           Member Service Center
The annual cost to provide children with such life changing programs is $1,400 per child.                                                                   Mon–Fri 8:00 am–8:00 pm EST
                                                                                                                                                            Sat 9:00 am–1:00 pm EST
                                                                                                                                                            410-272-4000, press 4
                      We need your help. APGFCU members can help the Boys & Girls Clubs of Harford                                                          1-800-225-2555, press 4
                      County continue to make a brighter future for our kids by making a tax-deductible                                                      TTY: 1-800-881-4888
                      donation that will ensure that the clubs will continue to be there to inspire and
                      enable all young people to realize their full potential as productive, responsible,
                                                                                                                                                             Home Loan Center
                                                                                                                                                              321 S. Main St., Bel Air
caring citizens. Here’s how: Visit the secure website at or send your                                                             Mon–Fri 8:30 am–5:00 pm EST
check to: Boys & Girls Clubs of Harford County, Box E, 100 E. Bel Air, Aberdeen, MD 21001.                                                                    1-888-LOAN-391

                                                                                                                                                              BALANCESM Financial Fitness
You’re Invited! Flapjack Fundraiser Breakfast                                                                                                                FREE Financial
                                                                                                                                                             Management Advice
To benefit the Boys & Girls Clubs of Harford County                                                                                                          Toll Free: 888-456-2227
Saturday, October 24, 2009 • 8:00 a.m.–10:00 a.m.
Applebee’s Neighborhood Grill • 1225 Churchville Rd., Bel Air, MD                                                                                           Branch Locations
$6.00 (adult) • $4.00 (child 3–12)                                                                                                                         ABERDEEN
                                                                                                                                                           Beards Hill Rd. & Rt. 22
To purchase tickets, stop in any branch. For more information,                                                                                            AMYCLAE
visit or call 410-272-4000, press 4.                                                                                                       1200-A Agora Dr., Bel Air
                                                                                                                                                         Chesapeake Ave. & Oakington St.
                                                                                                                                                        BEL AIR
                            2009 APGFCU Women’s Conference                                                                                              321 S. Main St.
                                                                                                                                                       1321 Pulaski Hwy.
                            Saturday, November 14, 2009 • 8:00 a.m.–1:00 p.m.
                           Bayou Restaurant • 927 Pulaski Hwy., Havre de Grace, MD                                                                   1204 E. Pulaski Hwy.
                                                                                                                                                    FOREST HILL
                 In this FREE conference local experts will address the unique financial matters                                                    2010 Rock Spring Rd.
critically important to today’s woman and share the many FREE local resources available to help                                                    HAVRE DE GRACE
better manage money, work, and life. Seating is limited to the FIRST 100 APGFCU members                                                           1045 Pulaski Hwy.
who RSVP, so reserve your space today! Reservations are required. Refreshments will be                                                           LAUREL BUSH
                                                                                                                                                2113 Laurel Bush Rd., Bel Air
provided and all guests will receive a special gift. Visit for more
information. Email or call 410-893-7359 to reserve your space.                                                             Operating Statistics
                                                                                                                                          As of August 31, 2009
APGFCU uses photographs taken at our events for promotional and other purposes. Your participation/registration at APGFCU                Assets .............................$716,085,433.70
events is acknowledgment of this fact and constitutes permission for such use.                                                          Shares ..............................$636,346,407.07
                                                                                                                                       Loans .................................$524,167,891.66
HOLIDAY CLOSINGS                                                                                                                   APGFCU is not affiliated with the Internet sites listed in this
APGFCU will be closed on Monday, October 12, in observance of Columbus Day.                                                       newsletter. These sites are provided as reference only.
                                                                                                                                 APGFCU makes no
Account access is available online at, Mobile Banking at                                                        representations about the, through “ABBY,” our FREE 24-hour Telephone Teller, and                                                       content on these sites or
                                                                                                                            subsequent links from those sites.
at our network of ATMs.
October is Personal Security Month. APGFCU is committed to protecting your security and helping
you prevent fraud. Our website offers many articles and tips to protect your identity and what to do if you
become a victim. You can also get updates on the latest fraud alerts, review the tools APGFCU utilizes to help
protect you, and much more. Learn more at, under the “Personal Security” tab.

                                                    Go GREEN &
                                                    Win GREEN
                                                    With Safe & Secure e-Statements
                                                    APGFCU is giving away $500 per month to member-
                                                    owners who sign up for FREE e-Statements.* Five winners will receive $100 each.
                                                    An e-Statement is simply your monthly statement in electronic format. The sooner
                                                    you sign up for FREE e-Statements, the more chances you have to win!

                                                    Enter in two easy steps:
                                                          1) ENROLL – Visit and sign up for FREE Online Banking to
                                                             enroll in e-Statements.

Shred-It® Day                                             2) ENTER – When you sign up, you’ll be automatically entered to win.

                                                    e-Statements are more secure and arrive sooner than paper statements, but best of
Saturday, October 10, 2009                          all, they reduce waste and you can view them anytime, anywhere! To find out more,
9:00 a.m.–1:00 p.m.                                 visit, or call 410-272-4000, press 4.

Aberdeen, Edgewood, Elkton,                         *Sweepstakes is open to U.S. legal citizens who are member-owners in good standing with APGFCU, meet Sweepstakes
                                                     requirements and are 18 years of age or older. Void where prohibited by law. Officers, directors, volunteers, and
and Laurel Bush Branches                             employees of APGFCU and members of their immediate families (spouse, parent, child, sibling) and persons residing in
                                                     their households are ineligible to enter the Sweepstakes or win a prize. Sweepstakes begins on 7/1/09 and ends on
                                                     11/30/09. For alternate means of entry and full official rules, visit our web site at Odds of winning
                                                     will depend on the number of eligible entries received.
Shred your old financial papers and
eliminate the security threat to your
personal information. It’s one of the best
and easiest ways to protect yourself
against “dumpster-divers” and burglars.             Scan Your Smile and WIN!
They can’t steal what you don’t have!
                                                    How can a smile help you win a shredder and protect your identity? Having your
The Shred-It trucks will be located on the          photo on your APGFCU record helps us to identify you when you come into a
parking lots for easy access.                       branch, and helps prevent fraud. Someone may steal your wallet, but they can’t
                                                    steal your smile!
• FREE to members (please bring ID card)
• Bring up to two file boxes or two                 So, when you do come in for a transaction, you don’t need to show your ID card or
  grocery bags to shred                             a driver’s license because your image automatically pops up on the teller’s screen.
   • Paper only—no plastic                          And having a photo on file reduces time spent waiting in line.
    • No need to remove staples, paper
      clips or bindings                             It’s simple and it’s FREE! Just stop by any branch, and we’ll scan your photo ID and
        • No need to separate grades or                               attach it to your account. Member-owners who have their photo
          colors of paper                                                 scanned into their account during Personal Security Month
                                                                           in October will be entered to WIN one of FIVE personal
              Visit or                                       shredders (retail value: $89.99 each).*
                 call 410-272-4000,
                    press 4, for event                                            For more information, stop in one of our nine branches, call
                        details and tips on                                        410-272-4000, press 4, or visit
                           what you can get
                                                                                       *NO PURCHASE NECESSARY to enter or win. Sweepstakes open to legal, U.S.
                                rid of.                                                 citizens, 18 years of age or older and who are APGFCU member-owners in good
                                                                                         standing, except employees and volunteers of APGFCU and their immediate
                                                                                          families. Sweepstakes period begins on 10/1/09 and ends on 10/31/09. For
                                                                                             complete sweepstakes rules and alternate means of entry, visit
SIMPLIFY Your Life,                                                                     FREE WORKSHOP
Help SAVE the Environment, and                                                          Personal Security:
                                                                                                                            Bring a
                                                                                                                          friend and
                                                                                        Deter, Detect, Defend
SECURE Your Account Information                                                         Tuesday, October 27, 2009
                                                                                                                           receive a
                                                                                                                          FREE gift!
                                                                                        6:00 p.m.–7:00 p.m.
With FREE Online Banking, FREE Bill Pay, and
                                                                                        APGFCU Home Loan Center, 2nd Floor
FREE e-Statements you can cut desk clutter and
                                                                                        321 S. Main Street, Bel Air
paper consumption while you safely manage your
money and pay bills.
                                                                                        Our Security Team will explain and alert
                                                                                        you to the latest scams and schemes
Don’t have online access? Use ABBY*, our FREE 24-
                                                                                        designed to steal your money. Learn how
hour Telephone Teller, to manage your money by
                                                                                        to protect your personal information,
phone, or FREE Mobile Banking** to check your
                                                                                        prevent financial loss, and avoid becoming
accounts anytime, anywhere, from your
                                                                                        a victim of identity theft. Reserve your
mobile phone at
                                                                                        space today. Call 410-612-2361 or email
Sign-up is quick and easy.
Click the “Join Now” tab
and then “Convenience
Services,” or call 410-
272-4000, press 4.
**Disponible en español.
                                                                                        Protect Your
  (Available in Spanish.)
**You must be registered for APGFCU
  Online Banking. You also need a web-
                                                                                        Money with
  enabled phone and media plan. Although
  APGFCU does not charge for our mobile service, you must
  check with your phone provider for charges                                            Direct Deposit
                                                                                        Direct Deposit is quick, reliable,
                                                                                        convenient, safe, secure, and FREE.
APGFCU Offers Tools to                                                                  Your money is electronically transferred
                                                                                        into your account and available to use

Protect You from Identity Theft                                                         immediately. No standing in lines…no
                                                                                        check cashing…no more worries about
                                                                                        lost, stolen or misplaced checks.
“Notify Me!” • Verified by Visa® • Equifax Personal Solutions
                                                                                        Sign up for FREE Direct Deposit today. Call
Protect Your Accounts 24/7 with “Notify Me!”                                            410-272-4000, press 4, visit us online at
Monitor the activity in your APGFCU accounts 24/7 and avoid any unauthorized  , or stop by any one
transactions with “Notify Me!” This FREE Online Banking tool sends you an email         of our branches.
alert or text message when you have a low account balance, an overdrawn account,
or a new deposit—it helps you to avoid paying overdraft fees and to notice any
suspcious activity. Sign up for FREE “Notify Me!” at in Online
Banking, under “User Services.”
                                                                                        A Trusted Partner of APGFCU
Reduce Credit Card Fraud with Verified by Visa
Verified by Visa helps reduce fraud and minimize risks                                  Creating Security Solutions
associated with online purchasing. All you have to do is add
a personal password to your existing APGFCU Visa credit or
                                                                                        and Added Value for Members
APGFCU Visa check card. Then, when you make purchases online, you validate your
identity with your password in the “Verified by Visa” window. It’s a simple way to
protect your identity and it’s FREE! To sign up, visit, under the
“Loans & Visa” tab, then click on the “Verified by Visa” logo.

Protect Your Credit Score and Credit History
Equifax Personal Solutions offers a variety of services that can help you protect
the personal information in your credit files, make better decisions that can improve
                                                                                        319 S. Main Street, Bel Air
your credit score, and stay ahead of the growing problem of identity theft and credit
fraud. Visit, under the “Personal Security” tab, to review the
benefits of security and peace of mind that these products can offer.         

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