Easy Qualifications These qualifications must be met to receive this loan. (Subject to Lending Department Approval.)

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1 Money News A Quarterly Publication Spring 12 Spring Is Here! Do your part to make the world a greener place. Enroll in FREE e-statements. Good for the environment Ditch all the paper save trees Save energy and time by not having to shred financial documents Good for you Information is available at your fingertips when you want it 24/7 no need to wait for the mail Eliminates the risk of losing or misplacing financial information Best of all e-statements are really free. There are no monthly requirements to use this service. Did You Know? You can take ABCO with you wherever you GO. With our Free Online Banking & Bill Payer you can access your account 24/7 from any computer wherever you are. It s like having your own personal ABCO branch office! Pay your bills online save paper and stamps Let us even pay your bills automatically set up once and forget it Check your balances Transfer money even to your student in another state Apply for a loan Find out about special offers It s easy there is even a web video to help. Click the Online Banking / Bill Payer arrow. If you need personal help, you can always call us. We will walk you through the process. NEW Credit Builder Loan Amount Increased Borrow $1,000 NO Credit Report Fast Approval Easy Qualifications Term: 12 months Rate: 18% APR* *APR=Annual Percentage Rate If you are short on cash, turn to ABCO, not a Pay Day lender. Our rates are straightforward and much lower. Our Credit Builder Loan can also get you on track to build a positive credit history. Apply today online at goabco.org/loans or contact us in person or by phone. Easy Qualifications These qualifications must be met to receive this loan. (Subject to Lending Department Approval.) Must be employed for at least 1 year Agree to payroll deduction for loan repayment Have no other loans or credit card balances with ABCO Agree to save $5.00 per pay period to an ABCO savings account Have a Good Credit History but Still Need Cash? School tuition, bill consolidation, home repairs, travel the expenses can add up. But they don t have to add up to a high interest rate. You have options. Ask us about: PERSONAL LOAN With only your signature as collateral you can borrow a fixed amount with low rates and flexible terms up to 48 months. You ll find a payment to fit your budget. Personal loan rates as low as 10.9% APR.* HOME EQUITY LOAN If you own a home, the rates are typically lower than other types of consumer loans. The best part is when you borrow against the equity in your home the interest you pay may be tax deductible. (Consult your tax advisor.) ABCO offers two types of Home Equity Loans a Variable Rate Home Equity Line of Credit and a Fixed Rate Home Equity Installment Loan. Rates currently start at 4.50% APR.* Contact the Lending Department for details. *APR=Annual Percentage Rate. Rates based on creditworthiness. Home equity loan rates are based on the Loan To Value of your home and your credit score. Ask us for details and your rate. goabco.org

2 Mount Holly Branch Now Open 76R High Street Next to the back entrances of The LGR Group and the High Street Grill. Join Us in Celebrating the Opening, April 17-May 31 Weekly Drawings Gift Certificates and Gift Cards from local merchants Grand Prizes Monday to Friday 9:00 AM - 5:00 PM Saturday 9:00 AM - Noon Closed Major Holidays Grand Opening Coupons Must bring to Mount Holly office to redeem. A $10.00 Value All family members are eligible to join Just for stopping by Contemporary Ceramic 12 oz Mug Free Membership Free Gift Points for Visa Balance Transfers Transfer your high-rate credit card balances to an ABCO Visa Credit Card and earn Reward Points. Redeem for gifts, merchandise and travel. NO Balance Transfer Fees Visa rates as low as 6.75% APR* *Rate quoted as of 3/23/12 and subject to change. The rate a member pays is based on creditworthiness. Other rates available. Balance transfers up to a member s credit limit. Contact us for complete details. Services First Prize ipad2 Second Prize Jamis Earth Cruiser Third Prize Flat Screen TV Savings Free checking No monthly fee ATM/Debit Cards Free online banking, bill payer, e-statements Loans with affordable rates And more ask us! *APR=Annual Percentage Rate. No rates lower than 4.99% APR. Offer excludes boats, RVs, travel trailers, campers and all existing ABCO FCU loans. Not a guarantee of financing. Contact us for details. Don t think lowering your rate matters? See how much you could save at goabco.org/autoloanspecial. Apply online or contact the Lending Department. 3% APR* below your current loan rate. Ask us if you qualify to refinance your current vehicle loan from somewhere else for up to Cut Your Monthly Vehicle Loan Payment Federally insured by NCUA P.O. Box 247 Rancocas, NJ Big City Efficiency Small Town Friendliness IMAGE.WORKS PAID PRSRT STD U.S. POSTAGE

3 Back for a Third Year! Early Bird Gets the Scholarship Have a child in 6th to 11th Grade? Learn why it is not too early to plan for funding higher education. Date: May 1, 2012 Time: 6:30 8:00 pm Place: Carlucci s Waterfront Restaurant, Mt. Laurel, NJ Learn how the Early Bird Scholarship hunter succeeds! An introduction to the wide-ranging scope of scholarships Differentiating scholarships, grants, loans, etc. Positioning your grandchild for scholarships When to start your grandchild s search for scholarships How and where to find scholarship information How and where to find other sources of college funding Financial aid and other financial support systems The basic scholarship application Little unknown facts about scholarships The saving aspect for college expenses A Question and Answer Period will Follow This fast-paced seminar is FREE to credit union members. Take-home materials will be made available. Light refreshments will be served. Space is limited. Advance registration is required. Guest Presenter Helena Kosoff A former Superintendent of the Springfield Township, NJ School District, she currently serves non-profit agencies as a professional grant writer and educational consultant. Learn the secrets of success in winning scholarships and reasons for planning early in your search for financial support. New This Year! How to help fund college for your grandchildren A Special Seminar for Grandparents Date: May 2, 2012 Time: 1:00 3:00 pm Place: Carlucci s Waterfront Restaurant, Mt. Laurel, NJ This seminar will cover the following: How you can start saving for college, with tax-free interest and excellent rates, from the day a child is born. How your grandchild can start amassing scholarships before he/she even enters high school. The specific characteristics and qualifications which will position your grandchild as an excellent scholarship applicant. The many UNIQUE scholarships available and the littleadvertised and little-known scholarships. The FREE sources and resources to discover scholarships. The FACTS you (and your children) should learn about Financial Aid that have nothing to do with income! Successful strategies to help your grandchildren be at the right place at the right time tooled with credentials for scholarships. A Question and Answer Period will Follow Advance registration is required. Co-Presenter Eric Lorenz Eric Lorenz is the Director of Financial Services for CU Financial Insurance Group, a wholly-owned subsidiary of ABCO FCU. He will discuss the ways to maximize your savings. Eric brings more than 10 years of financial planning and investment management experience to offer alternative ways to fund the expenses that scholarships and grants do not. Reservations & Questions: Contact Eric Lorenz or lorenze@goabco.org Mail or fax the form below to register Mail: ABCO FCU, P.O. Box 221, Rancocas, NJ Attn: Scholarship Seminar Fax: Yes, I/we would like to attend: May 1st Early Bird Gets the Scholarship May 2nd Grandparents Seminar Name Street Address City/State/Zip Home Phone Cell Phone Address No. of People Attending The number of ABCO scholarships awarded each year is based on the amount of money raised through donations to our Scholarship Fund and an annual stipend from the Board of Directors. The more money that is donated, the more scholarships are awarded. Donations can be as little as $1 or as much as you wish. They can be at one time, monthly, quarterly or yearly. Donations are tax deductible to the fullest extent of the law. Ask your tax advisor if you qualify. You can donate online at goabco.org/scholarshipfund, at your branch office or by mail. Watch for special scholarship promotions online and at the branches.

4 MAILING ADDRESS P.O. Box 247, Rancocas, NJ goabco.org PHONE (ALL LOCATIONS) MEMBER CARE 24/7 TOUCH-TONE TELLER OFFICE LOCATIONS WILLINGBORO AREA Like Us OTHER SUPPORT NUMBERS Visa Evenings, Weekends and Holidays Visa Credit Card Visa ATM/Check Card Bill Payer MAIN OFFICE FULL SERVICE BANKING CENTER 690 Beverly-Rancocas Road Insurance & Financial Services We Can Help with Each Piece of the Pie Individual Vehicle Insurance Autos, Motorcycles and Boats Homeowners & Renters Insurance Life & Disability Insurance Medical & Dental Insurance Long-term Care Insurance Medicare Supplementals & Medicare Advantage Identity Theft Protection Pet Insurance 403(b) Plans IRA & Retirement Accounts Financial Planning Business/Group Health/Employee Benefits Health Insurance (Medical, Prescription, Dental & Vision) Life & Disability Insurance COBRA, Health Savings Accounts, POP & Flexible Spending Accounts 401(k) Plans Keyman Insurance, Buy/Sell Stock & Other Executive Benefits Risk Management/Business Insurance Liability Property Identity Theft LENDING CENTER East Ridge Shopping Center 621 Beverly-Rancocas Road RANCOCAS VILLAGE 215 Main Street BRANCH OFFICES ATLANTIC CITY 2652 Atlantic Avenue BROWNS MILLS 81 Pemberton Browns Mills Road NOW OPEN COOPER HOSPITAL (Hospital Employees Only) 1 Cooper Plaza, Camden EGG HARBOR TWP Black Horse Pike, Suite 8 GLASSBORO Doubletree Center 870 Delsea Drive Mount Holly 76R High Street RIDER UNIVERSITY Ground Floor of the BLC Next to University Bookstore FOR CURRENT HOURS OF OPERATION AND DIRECTIONS TO OFFICES Go goabco.org or call us. ABCO FCU s ROUTING AND TRANSIT NUMBER Financial Reality Fair A wholly-owned subsidiary of ABCO Federal Credit Union cufig@goabco.org goabco.org/cufig Insurance products are offered through various insurance companies in association with CU Financial Insurance Group (CUFIG), a wholly-owned subsidiary of ABCO Federal Credit Union (ABCO FCU). Securities offered by Registered Representatives of ING Financial Partners, LLC (IFP) member SIPC. Investment Advisory Services offered by Investment Advisory Representatives of IFP. ABCO FCU and its subsidiaries are not corporate affiliates of IFP. Insurance and Financial Products are not federally insured. ABCO FCU provides these services to members and non-members without opinion as to the products or services provided. On two days this March, credit union members and staff volunteered their time to give back to the community at the first ABCO/NJ Credit Union League Financial Reality Fair. The purpose of this event was to help students in the Burlington County Special Services District obtain some hands on experience in managing money and budgeting. Thanks to all who volunteered. People Helping People that s been our mission since This project has received national recognition through a Financial Education Grant from the National Credit Union Foundation. CU staff and other volunteers Irma Lorenz President, ABCO Board of Directors ABCO FCU is not responsible for typographical errors, omissions or misprints in this publication.

5 ABCO Helps Raise Over $2,500 for American Cancer Society Donates an Additional $500 ABCO Federal Credit Union, in partnership with the Rider Radio Station, The Bronc, raised over $2,500 to benefit the American Cancer Society s Relay for Life. At all Rider home basketball games, radio station personnel sold miniature basketballs donated by ABCO. At the end of the game, the people who purchased the basketballs launched them onto the field to win prizes that were donated. This was the first time the radio station and Rider used this event to raise money. ABCO is proud to be a sponsor and a part of this effort. ABCO Launches the Basketballs Representing ABCO at the ceremonial last ball toss of the 2012 basketball season were from left to right: Ellen Kuiper, President; Milt Hershberger, CEO; Jim Narke, Business Development Representative; and Joe Holden, Business Development Representative. P.S. Rider won in the last minute. A good end of season for all! Presenting the Check The check for over $2,500 was presented to the Cancer Society at The Bronc Radio Station on the Rider University campus. Seen here from left to right: Megan Ptaszenski, Manager American Cancer Society Relay for Life; Karen Torchia, Rider Associate Athletic Director; Donte Carty, Rider GA Athletic Marketing; Milton Hershberger, ABCO CEO; Ellen Kuiper, ABCO President; John Mozes, General Manager, The Bronc radio station; JJ Duke, Student General Manager, The Bronc radio station; and Lindsay Galbraith, Rider Student Relay for Life Chair ABCO is now part of the CU Service Center network. As part of the network, members can use credit union offices around the country and around the world for such services as deposits, cashing checks, loan payments, withdrawals and more. Members of other credit unions can use our offices, too. To find a location, just look for this logo, call or go to cuservicecenters.com. Donating $500 Additional Ellen Kuiper, ABCO President, and Victoria Srubjan, ABCO Rider Branch Manger, present the check for an additional $500 to Lindsay Galbraith, Rider Student Relay for Life Event Chair, and Megan Ptaszenski, Manager American Cancer Society Relay for Life. s After you ve bought your car, contact ABCO for auto insurance. Phone: insurance@goabco.org

6 Need A Mortgage? Relax! Your Credit Union Has Low Rates, Low Costs & Superior Service Now s a great time to buy a home or refinance your current mortgage! With an ABCO FCU Mortgage your home loan worries will be behind you! Credit Union NMLS# Call Our Mortgage Department Today at: Or visit Our Website: Remember: your family members, co-workers and friends may be eligible for the many benefits of Credit Union membership as well! goabco.org