3.25% APR * Money News. WeÕve Relaxed Our Loan Rates

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1 Money News A Quarterly Publication Summer 12 WeÕve Relaxed Our Loan Rates Vehicle Loans NEW USED PRE-APPROVED Rates as low as 3.25% APR* Terms up to 66 months goabco.org/autoloans Vehicle Refinancing Refinance your current vehicle loan and you could lower your monthly payment. Rates as low as 3.25% APR* goabco.org/refi Home Equity Loans Lock in a fixed Home Equity rate as low as 3.25% APR* for 66 months OR enjoy an introductory rate of 3.25% APR* for 24 months on a Home Equity Line-of-Credit.** NO application or appraisal fees NO closing costs goabco.org/homeequity VISA Balance Transfers 3.25% APR* on balance transfers for the life of the balance transfer amount. No balance transfer fee. Limited time offer. Rates for purchases start at 6.75% APR.* goabco.org/visatransfer Limited time offer. Contact us for complete details. Apply in person, by phone or online at goabco.org/loans Rates As Low As 3.25% APR * * APR=Annual Percentage Rate. Current ABCO loans excluded. Rate is based on a member s credit worthiness. Other rates available. Refinancing of a current loan not guaranteed. Vehicle refinancing for the same term as the original loan. Visa balance transfers up to a member s credit limit. Home Equity Loans are based on 85% Loan to Value. Ask us for complete details on all loans. **Limited time Home Equity Line of Credit 3.25% fixed Annual Percentage Rate (APR) offer applies to the 24-month introductory period. After the 24-month introductory period, the APR will be prime + 0 or our current floor, whichever is greater. goabco.org

2 Traveling for Business or Pleasure? With our Free ABCO services your accounts are as close as your computer 24/7. Not enrolled? It s easy AND secure. Find out more: Online: goabco.org/eservices Call MemberCare: BANKING BILL PAYER STATEMENTS LOANS goabco.org Big City Efficiency Small Town Friendliness P.O. Box 247 Rancocas, NJ Federally insured by NCUA PRSRT STD U.S. POSTAGE PAID IMAGE.WORKS Back To School Loan Need extra cash for tuition, books, computer, clothes, etc? Our Back To School Loan may be the answer. APPLY Online: goabco.org/backtoschool By phone: Ask for the Lending Department In person at any Branch Office: Go online for locations and hours. Need more than $1,000 for school expenses? We have other options such as Home Equity Loans at a Relaxed Rate (see front page) and Signature Loans. Ask us. From now until September 30 th $1, months 10% APR* *Not a guarantee of financing. Rate is subject to credit worthiness. Contact us for details.

3 Your ABCO Visa Credit Card is now More Rewarding! Win a 7-Night Grand Cayman Vacation! Enter for a chance to win by creating a new profile with valid address between July 1 August 31, 2012 MORE CHANCES TO WIN: Monthly Drawings for the Weber Grill Package includes Omaha Steaks and MORE! ABCO Visa Credit Card A rewarding way to buy Rates as low as 6.75% APR* on purchases Accepted worldwide Free Balance Transfers Special Relaxed Loan Rate 3.25% APR* on eligible balance transers. See front page or contact us for details. Free Reward points for purchases Redeem them for merchandise, electronics, travel and more. Here s another possible reward ABCO cardholders that enter a valid address when they create a new profile on between July 1 and August 31, 2012 will automatically be entered to win a 7-night vacation, or a profession grade Weber Grill and more! That s all there is to it nothing to purchase. Visit ScoreCardRewards.com for details. *APR=Annual Percentage Rate. 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 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 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/creditbuilder or contact us in person or by phone. *APR=Annual Percentage Rate.

4 ABCO FCU Named Burlington County s Best Credit Union Three Years in a Row MAILING ADDRESS P.O. Box 247, Rancocas, NJ goabco.org PHONE (ALL LOCATIONS) MEMBER CARE membercare@goabco.org 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 The Burlington County Times has released their Best of Burlington County 2012 results. Voters have chosen ABCO FCU as their favorite credit union for the third year in a row! We at ABCO thank those who voted. We strive to continually provide fair and convenient financial services to the region. Here are some facts about ABCO that you may not know: We are a full-service financial institution we offer loans, checking accounts, free online services, insurance and financial services. We have money to lend. ABCO is financially sound. Because we are member owned we keep our rates affordable. Check out our Relaxed Loan Rates and Credit Builder Loans. Members enjoy access to their accounts at over 50,000 surcharge-free ATMs nationwide with an ABCO Visa debit card. ABCO is part of a credit union shared branching network that allows our members to perform transactions at other credit unions across the country. Look for the CU Service Center logo when you are traveling. Tell your family, friends and co-workers now is the time to make the switch. Ask for our convenient SWITCH KIT. Call us or go online goabco.org/switchme. 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 Students Save with Dell and Invest in America lovemycreditunion.org Moms, dads, grandparents, aunts and uncles have a student in your life? Buy them a select Dell computer over $699 and get a $200 Dell promo egift Card. Shop now and save 5% on TVs and other electronics for the dorm room with a coupon from Invest in America. Plus, while you re shopping for your student, register for Dell Advantage and receive: 5% Dell promo egift card with each purchase Free 2nd business-day shipping Exclusive member-only offers on computers, electronics and accessories Credit union members get the best price Dell offers on computers, electronics, accessories and more. Visit Dell on LoveMyCreditUnion.org for complete discount details including coupons for special offers each month. To learn more on these and many other great offers from Invest in America, visit LoveMyCreditUnion.org. Another free service from ABCO! ABCO FCU is not responsible for typographical errors, omissions or misprints in this publication.

5 ABCO s 403(b) Plans Are Growing. Why Not Join Us? Take a look at all the school districts, boards of education and colleges/universities that are now participating in the credit union sponsored 403(b) plans. Did you know that the CU Financial Insurance group, a wholly-owned subsidiary of ABCO FCU, currently has over $7.2 million in assets under management? If you are employed at one of the entities below, consider the alternative offered by your credit union s subsidiary company. If you do not see your place of employment listed, contact us. We are adding new groups constantly. For more information about the plans we offer, contact us: Phone: cufig@goabco.org 403(b) Plans Participating School Districts/Boards of Education: Alloway Township Franklin Township Pemberton Township Atlantic City Glo ucester County Pitman Beverly City Special Services Quinton Township Brigantine Gloucester County Vocational Stone Harbor Burlington Township Hainesport Township Tabernacle Township Cape May County Tech Hamilton Township Trenton Delran Township Logan Township Washington Township East Windsor Regional Moorestown Township Westampton Eastampton Mount Holly Township Wymouth Township Evesham Mount Laurel Township Willingboro ABPs (Alternative Benefit Plans) Participating Colleges and Universities: Atlantic Cape Community College Burlington County College Camden County College College of New Jersey Gloucester County College Rowan University Salem Community College Stockton University A wholly-owned subsidiary of ABCO Federal Credit Union goabco.org/cufig *Securities offered by Registered Representatives of ING Financial Advisers, LLC (IFA), member SIPC. Investment Advisory Services offered by Investment Advisory Representatives of IFA. Insurance sold through licensed insurance representatives of various companies in association with CU Financial Insurance Group (CUFIG) a wholly owned subsidiary of ABCO Federal Credit Union. ABCO Federal Credit Union and its subsidiaries are not corporate affiliates of IFA. Nondeposit investment products are not federally insured, not obligations of the Credit Union, not guaranteed by the Credit Union or any affiliated entity, involve investment risks, including the possible loss of principal and may be offered by an employee who serves both functions of accepting member deposits and selling nondeposit investment products. IFA products are not offered, recommended, sanctioned or encouraged by the NCUA or the Federal Government. P.O. Box 221, Rancocas, NJ 08073; phone ; fax Why Save for Retirement? Now is a good time to begin setting aside for the future. Contributing to an income tax-deferred* retirement account is one way to put time on your side allowing you the potential to accumulate money for retirement that is deferred from income taxation until it s withdrawn. As you can see in the chart below, putting off planning for even one more year could significantly affect your retirement income. Contributed Amount Cost of Waiting Begin at 35 $244,814 N/A Begin at 36 $228,035 $16,779 Begin at 40 $169,895 $74,919 Hypothetical rate for illustrative purposes only and does not represent any specific investment or fees. Assumes $250 monthly contribution, 6% rate of return, and no policy loans or withdrawals. Periodic investing does not assure a profit or protect against loss. This chart doesn t reflect taxes or any fees that may be assessed by the investments. *Distributions will be taxed as ordinary income when distributed and may be subject to an IRS 10% premature distribution penalty tax if taken prior to age 59½. Retirement? What to Do? Am I getting the most from my retirement accounts? Is my old 401(k) the best choice? What options do I have? In today s economic times we need all the help we can get. CU Financial Insurance Group is a wholly-owned subsidiary of ABCO Federal Credit Union. You can trust us to offer you the alternatives that will meet your needs. Give us a call and we will work one-on-one with you. Contact Eric Lorenz LorenzE@goabco.org A wholly-owned subsidiary of ABCO Federal Credit Union

6 Mount Holly Sweepstakes Winners Our newest branch office in Mount Holly, New Jersey held its Grand Opening Celebration Event during the months of April and May. Members who came into the office were given a free gift, a chance to win weekly prizes from local merchants and an entry for our Grand Prize Drawings. Pictured below are some lucky members who won prizes. The newest ABCO office is located at 76 R (rear) High Street next to the back entrances of the LGR Group and the High Street Grill. Hours are Monday through Friday 9 AM to 5 PM and Saturday 9 AM to Noon. ABCO FCU Donates to New Jersey s Keep It Green Campaign and Celebrates Earth Month ABCO Federal Credit Union recently donated $500 to New Jersey s Keep It Green Campaign as part of our Earth month celebration in April. During the month, which is intended to inform and energize populations to act to secure a healthy future for themselves and their children, ABCO agreed to donate $1 to the NJ Keep it Green campaign for every member that signed up for e-statements. In addition, all ABCO branches celebrated Earth Day on April 21 st and 22 nd by giving out reusable totes as well as biodegradeable pens and planters. The NJ Keep It Green Campaign represents over 160 statewide, local and regional land conservation, agriculture, historic preservation, environmental, urban park, hunting, fishing and outdoor recreation groups working together to sustain funding for the preservation and stewardship of New Jersey s waterways, wildlife habitat, natural areas, farmland, forests, parks and historic sites. ABCO FCU endorses their mission and is happy to offer support. To learn more about volunteer and donation options for the NJ Keep It Green Campaign, visit Victoria Rindosh (on left) receives the Grand Prize of an ipad2 from Mount Holly Branch Manager Julia Day Denise Byrd, winner of the Jamis Earth Cruiser bike Carolyn Holloman, winner of a Robin s Nest Gift Card Luther Davis, winner of a LaVitas Pizza Gift Card Keep It Green Team at the Willingboro Office (Left to Right): Monica Babula, Kristen Buchanan, D Andra Minor, Josclyn Moss and Lucas Ciarlante Scholarship Seminar Our recent Early Bird Gets The Scholarship Seminar was again a success. Over 75 people attended this informational event which showcased guest presenter Helena Kosoff and our own Eric Lorenz, Director of Financial Services for CU Financial Insurance Group (CUFIG). CUFIG is a wholly-owned subsidiary of ABCO Federal Credit Union. College is expensive and planning should not be left for the last minute. If you could not make this seminar and would like some one-on-one explanation of your options, contact Eric Lorenz by calling or by ing: LorenzE@goabco.org. Eric Lorenz, Director of Financial Services for CU Financial Insurance Group discussing the financing options available to fund education expenses. Helena Kosoff, former NJ school superintendent, professional grant writer and educational consultant talking about how to obtain scholarships and why to plan early. Thank you for voting CU Financial Insurance Group s financial services division as one of the 2012 Best in Burlington County. goabco.org