TO GO! JUST LIKE THE IN-LAWS, HOLIDAY DEBT IT S TIME FOR VISA BALANCE TRANSFERS. Rates As Low As 4.99% APR * Standard Rates As Low As 9.

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1 First Quarter 08 JUST LIKE THE IN-LAWS, IT S TIME FOR HOLIDAY DEBT TO GO! Al igual que los suegros, es hora de eliminar su deuda! MARK YOUR CALENDAR All offices will be closed on the following dates: New Year s Day Monday, January Martin Luther King, Jr. Day Monday, January 5 Presidents Day Monday, February 9 Easter Sunday, April (Offices closed Saturday, March ) (66) TAKE ADVANTAGE OF OUR AFTER-HOLIDAY, VISA BALANCE TRANSFERS Aprovecha nuestras transferencias de saldo de Visa despues de los dias festivos Made Between January & March, 08 entre el º de enero al de marzo de 08 Rates As Low As.99% APR * Standard Rates As Low As 9.50% APR * *APR= Annual Percentage Rate. Actual rates are based on your creditworthiness. Promotional Rates range from.99% APR to.99% APR and will apply to balance transfers made between January, 08 and March, 08. Standard Rates range from 9.50% APR to 7.90% APR and will apply beginning with your May 09 statement cycle. Rates are variable and are subject to change. All loans are subject to credit approval. Fees include a cash advance fee of $0.00 or.0% of each cash advance, whichever Is greater, and a foreign transaction fee of.0%, in U.S. Dollars, for certain international transactions.

2 MESSAGE FROM Steve Renock President/CEO Usually when I write my article for this newsletter, I try to pass on some information about a product or service I hope will be interesting to you. This time I m going to do something different. I am asking you to do a favor for your Credit Union. If you think we have treated you well and you have used some of our offerings for your benefit, please ask your neighbors, friends and family members, who do not use Kern Schools Federal Credit Union, to give us a try. Why is this important? As a co-operative financial institution (meaning our users are actually our owners as well), the more individuals we have using our products and services, the more new benefits we can provide to all of our users. The profits we earn do not get paid to some anonymous big investors in some distant city but, instead, stay right here in Kern County and are used to enhance the products and services for all of our users. We receive calls, s, tweets and letters every month, most of which are compliments and we are grateful for those. Some are complaints and we use them to fix problems, correct our mistakes and get better. The fact you care enough to contact us in either circumstance means you are engaged. We thank you and work hard every day to make sure Together, we have something special is more than just a slogan. All Kern County residents are eligible to bank with Kern Schools. TAKE THE DRIVE OF YOUR LIFE, with Kern Schools Federal Credit Union. Conduzca el viaje de su vida, con Kern Schools Federal Credit Union. Take The First Step. Get pre-approved today! Tome el primer paso. Sea pre-aprobado hoy mismo! Apply For A Kern Schools Auto Loan Today! Solicite su préstamo para un auto hoy mismo! (66) UPCOMING COMPLIMENTARY WORKSHOPS () New DataNet / DataMobile Overview Wednesday, January 7, 08 0:00 a.m. - :00 a.m. 6:00 p.m. - 7:00 p.m. Bring your Mobile or Tablet device! () DataNet / DataMobile One on One January, 08 - February 9, 08 8:00 a.m. - 5:00 p.m. Bring your Mobile or Tablet device! () Living Trusts and Estate Planning Thursday, February, 08 6:00 p.m. - 7:0 p.m. () Real Estate Fair Saturday, March 0, 08 9:00 a.m. - :0 a.m. (5) Cyber Security Tuesday, March, 08 6:0 p.m. - 7:0 p.m. (6) Medicare Parts A & B Paul Sheldon Tuesday, March 0, 08 9:0 a.m. - :0 a.m. 5:0 p.m. - 7:0 p.m. (7) Medicare Parts C & D Paul Sheldon Thursday, March, 08 9:0 a.m. - :0 a.m. 5:0 p.m. - 7:0 p.m. (8) Home Buying Workshop Tuesday, March 7, 08 6:00 p.m. - 7:0 p.m. (9) La Compra de una Vivienda Taller Informativo en Español Ming Lobby 50 Ming Avenue Bakersfield Jueves, 9 de marzo de 08 6:00 p.m. - 7:0 p.m. RSVP TODAY! RESERVE SU LUGAR HOY MISMO! or call (66) Apply online & the $00 application fee is wavied! (66) Apply For A Kern Schools Mortgage Loan Today! Solicite su préstamo para una vivienda hoy mismo! (66) 8-796

3 08 ANNUAL BUSINESS MEETING APPLICATIONS FOR THE BOARD OF DIRECTORS If you wish to be considered, or would like to nominate one of your peers, for a position on the Kern Schools Federal Credit Union Board of Directors, application packets for potential candidates are available at all branch offices. As required by Kern Schools bylaws adopted in accordance with NCUA regulations on June 7, 0, potential candidates must obtain the signatures of 500 Kern Schools Members to be considered; the Signature Petition form is included in the application packet. The deadline for application submission is no later than Friday, February, 08, :00 p.m. (Noon). Mail or Deliver Application to: Mail Deliver Kern Schools Federal Credit Union Attn: Patti Reed P.O. Box 9506 Bakersfield, CA Kern Schools Federal Credit Union Administrative Offices Attn: Patti Reed 500 Bolthouse Drive Bakersfield, CA 96 If you have any questions, please contact us at (66) , extension 600. EVENT INFORMATION TO FOLLOW IN THE COMING WEEKS. Save on TurboTax the smarter way to get your biggest possible refund TurboTax translates taxes into simple questions about your life so you don t need tax knowledge to get your maximum refund, guaranteed. CHANGE-IN-TERMS NOTICE Important Changes to Your Account Agreement As of February, 08 The following is a summary of changes that are being made to your About Your Credit Union Accounts (Truth in Savings Disclosure and Electronic Fund Transfer) Disclosure and Agreement. These changes will impact your account as follows: Visa s Zero Liability Rule Change See TurboTax product guarantees: Intuit Inc. All rights reserved. Limited time offer for TurboTax 07. Terms, conditions, features, availability, pricing, fees, service and support options subject to change without notice. Intuit, TurboTax and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries. Other parties trademarks or service marks are the property of their respective owners. Previously, the rule provided that a cardholder s liability may be greater than the zero liability limit if the credit union determined that they were grossly negligent or fraudulent in the handling of their account or card. Visa has changed the standard from grossly negligent to negligent. This change could impact the amount you may be liable for when disputing transactions made with your Visa check or credit card. 0/0/08 $00 CASH REWARD WITH EVERY NEW LINE It s Sprint s best Credit Union Member Cash Rewards offer ever another BENefit of membership! Visit LoveMyCreditUnion.org/Sprint to calculate your cash rewards.

4 08 BOARD OF DIRECTORS IN THE EVENT OF AN ELECTION, CANDIDATE BIOGRAPHIES WILL BE AVAILABLE AT ALL BALLOT SITES. Incumbents running for re-election are: Mr. Mike Kileen, Mr. Carl B.A. Lange, III, Dr. Larry Reider and Dr. Dennis Scott. If the number of nominees equals the number of positions to be filled, an election will not be conducted by ballot and there will be no nominations from the floor. Mr. Mike Kileen, Director Mr. Mike Kileen provided thirty-four () years of service in the field of education and retired as Assistant Superintendent of Business Services for the Panama-Buena Vista Union School District. Mr. Kileen has served on Kern Schools Federal Credit Union s Board of Directors since 979. During his tenure, he has held many positions of the Board, and currently serves as Chairperson of the Electronic Risk and Security Assessment Committee. As part of his community involvement, Mr. Kileen is affiliated with local, state, and national educational and technological organizations, and currently serves as President of the Bakersfield Christmas Parade Board of Directors. Mr. Carl B.A. Lange, III, Director Mr. Carl B.A. Lange provided service in the field of education for more than forty (0) years as a teacher, employee for the Kern County Superintendent of Schools Schools Legal Services division, and part-time staff member with California Teachers Association Southern Section Credit Union. After serving on the Supervisory Committee, Mr. Lange was elected to the Kern Schools Federal Credit Union Board of Directors in October 0. Dr. Larry Reider, Secretary Dr. Larry Reider provided forty-four () years of service in the field of education as a teacher, principal, school district superintendent, and Superintendent for the Kern County Superintendent of Schools. Dr. Reider has served on Kern Schools Federal Credit Union s Board of Directors since 98. During his tenure, he has served on the Personnel, Credit Union Services, and Facilities Committees as well as Chairperson of the Board. As part of his community involvement, Dr. Reider serves on several non-profit organization boards. Dr. Dennis Scott, Treasurer Dr. Dennis Scott provided thirty-eight (8) years of service in the field of education, including fourteen () years as Associate Superintendent of Business for the Kern High School District. Dr. Scott has served on Kern Schools Federal Credit Union s Board of Directors since 009 and currently serves on the Personal & Policy Committee and the Asset Liability Committee. He previously served as Chairperson of the Board and Chairperson of the Asset/Liability Committee (ALCO). Prior to 009, Dr. Scott served for five (5) years as a member of Kern Schools Supervisory Committee. OFFICE HOURS Artisan Square Buena Vista Delano Downtown Ming Mt. Vernon Panama River Run Town & Country Tehachapi Home Loan Center Allen Road 00 Buena Vista Road, Ste. J 88 Cecil Avenue, Ste. A & B Chester Avenue 50 Ming Avenue 90 Mt. Vernon Avenue 500 Panama Lane 60 Coffee Road 800 Stockdale Highway, Ste. P 8 Tucker Road, Ste. A & B 50 Ming Avenue DEPARTMENTS Contact Center (66) / (800) - Business Services (66) / (866) DataVoice (66) / (800) 8-6 Home Loan Center (66) OFFICE HOURS Monday - Thursday 9:00 a.m. - 5:00 p.m. Friday 9:00 a.m. - 6:00 p.m. Saturday 9:00 a.m. - :00 p.m. Downtown and Town & Country are closed on Saturdays. Tehachapi Monday - Friday 0:00 a.m. - 6:00 p.m.

5 ! COMING IN EARLY 08 NEW DATANET / DATAMOBILE Important! First Time Login Instructions Logging in to the new DATANET for the first time. Introducing the all new DataNet and DataMobile. Enter your current username and click Log In. Enter the last six digits of the primary account holder s social security number. Click Log In.! Logging in to the new DATAMOBILE for the first time. Set a new password. Your password must have a minimum of seven (7) characters and include at least one () of each of the following: uppercase letter, lowercase letter, number, and special character (ex.!,?, -, #). If you are an existing user logging into the new DataNet for the first time, you may use your current password if the above criteria is met. Confirm your password and click Continue. Verify your current contact information, make any necessary changes, and click Continue. Read and agree to the terms and conditions by clicking the I agree box. NEW Dashboard After logging in, you will be taken to the Dashboard where you can view your balances, upcoming loan payments, recent transfers and pending transactions. Accounts The Accounts tab allows you to view your balance(s) as well as search, sort, and filter your transaction history. You can also view check images, estatements, and even assign spending categories to your transactions to help reach your financial goals. NEW DATANET ONLINE BANKING Bill Pay Paying your bills does not have to be a hassle! Pay utilities, creditors, or an individual quickly by using the Bill Pay tab. Quick: Select a payee, amount, account you would like to pay from, date of your payment, and click Submit Payment. Multi: To pay more than one () bill at a time, select the Multi tab. Classic: For more choices or to set up a reoccurring transfer select the Classic tab. Payees: Add or manage your payees and enroll in ebills through the Payees tab. Pay People through edough Paying people is easy and convenient through edough. Simply enter the person s phone number or , your debit card information, the amount you would like to transfer, and click Send! It s that easy! Under the More options you can also access estatements, Locations, Checking Services, Budgets, Savings Goals, and Message Center.

6 NEW DATAMOBILE APP ios/iphone Users Once the new app is available, simply update to the newest version of Kern Schools DataMobile. Android Users When the new app is available, you must delete your current DataMobile app and search in the app store for Kern Schools DataMobile to download the all new app. > The all new DataMobile App has the same great features as DataNet Online Banking. 5 Touch ID Set up Enable Quick Login, also known as TouchID, to access your account(s) quickly and securely. Accounts View your account balance(s), recent transactions, and check images. Bill Pay Pay current bills, add payees, and view scheduled payments. Pay People (also known as edough ) Quickly pay your friends and family through Pay People, also known as edough. Deposit Check Deposit your checks with the use of your phone s camera through the Deposit Check tab. On the left menu you can also access your estatements, Budgets, Savings Goals, Open an Account Apply for a Loan, purchase Amusement Park Tickets, find your next vehicle with Kern Schools Auto Finder, and more! 5 5 For more information including detailed video tutorials, please visit