MONEY CONNECTION. 4How s your security? Your financial future: A financial advisor can help. How CU Wealth Management* can help

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1 MONEY CONNECTION creditunion.coca-cola.com Your financial future: A financial advisor can help 6 ways to get out of debt 2 7 tips for protecting your credit 3 and debit cards from fraud 4How s your security? Branch update 5 Peace of mind through 6 and mobile alerts Want your money to do more, but aren t quite sure how to go about it? At The Coca-Cola Company Family Federal Credit Union, it s our goal to help you manage your finances wisely through all phases of life, and we pride ourselves on going beyond the basics to do so. In addition to providing a wide range of savings products, consumer resources and member education, we also make available experienced financial advisors who can meet with you one-on-one for financial guidance. Listening to your needs As a member of TCCCFFCU, you can meet with a CU Wealth Management* financial advisor located at TCCCFFCU for a no-cost, no-obligation initial consultation to evaluate your financial needs.* Like the friendly, knowledgeable credit union service you expect, there is no pressure. You can choose to work together to create a financial plan that is right for you and have periodic reviews to help you stay on track as you move toward your goals. No matter if you are just starting out and feeling intimidated by investing or if you want to determine if you re prepared for retirement that s just around the corner, a CU Wealth Management financial advisor can help. We understand that developing an investment strategy and making financial decisions that are appropriate for your unique situation as well as the economic environment can be challenging. For more information and to see if the guidance of an experienced CU Wealth Management financial advisor can help your money do more for you, call (404) within metro Atlanta, or toll free (877) outside the metro Atlanta area, or visit creditunion.coca-cola.com today to learn more. How CU Wealth Management* can help Retirement planning 401(k) and IRA rollovers Investment planning Asset management Education funding Insurance planning Estate and wealth transfer Contact CU Wealth Management for a no-cost, no-obligation initial consultation to help you prepare for your future. * Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. CUNA Brokerage Services, Inc., is a registered broker/dealer in all fifty states of the United States of America. SUMMER 2014

2 MONEY SENSE 6 ways to get out of debt Getting out of debt is often not an easy task. If you have a sizable amount of debt, it s likely that just making one small adjustment isn t going to get rid of it completely. Often a combination of several approaches is needed to make significant progress toward being debt-free. Here are some great ways to help you get out of debt that you can often combine for greater effect. 1) Find a roommate. Rent and mortgage payments are often your largest single monthly expense. While living alone may have some perks, it usually costs much more than living with others. Not only will you split the monthly payment, but you may also share costs for other expenses like cable, cleaning supplies and utilities. 2) Brew coffee at home. Your morning stop for that perfect cup of specialty coffee may not seem like a large expense when looked at individually. But let s say your morning latte costs $4. If you stop just three times a week, that adds up to over $50 per month that you could be putting toward your debt. 3) Get a second job. While most techniques for getting out of debt involve reducing spending, don t forget that there is another way to have more money for paying off debt each month earning more. Finding a supplemental job can be a great way to earn more income during time you previously weren t working. As an added bonus, you may be spending less if your weekends are occupied with a new job rather than your usual recreational activities. 4) Cut back on monthly services. If you re paying for cable, consider whether you can trim some premium channels or ditch the DVR to save money. If your cellphone bill covers more minutes and data than you need, consider switching to a lower tier plan. 5) Cook more. Dining out is almost always more expensive than cooking a meal for yourself. But just because you re avoiding dining out doesn t mean you need to miss out on time with friends. 6) Start budgeting. Keeping track of expenses and setting goals for spending is essential to get out of debt. One of the best ways to help set a budget, and stick to it, is to track your finances using The Coca-Cola Company Family Federal Credit Union s My $ Planner. Remember, just as accumulating debt often takes time and may have a number of causes, getting out of debt can require commitment to long-term goals and a combination of several techniques to achieve. FR The Coca-Cola Company Family Federal Credit Union

3 PRODUCTS AND SERVICES Stay vigilant 7 tips for protecting your credit and debit cards from fraud After the Target credit and debit card breach this past winter, as well as breaches at other major retailers and hotels, consumers were reminded to be vigilant with their credit and debit card accounts, and to watch for fraudulent use. However, it s easy to forget that scammers may get their hands on your information months or even years following the initial breach. Here are some tips to keep your credit and debit card accounts safe from foul play: 1) Report lost or stolen cards immediately. Notify The Coca-Cola Company Family Federal Credit Union if you notice fraudulent charges on your TCCCFFCU credit or debit card. For other accounts contact the issuing credit agency. 2) Memorize your Personal Identification Number (PIN). Writing down your PIN leaves open the possibility of an unwanted person finding it. 3) Sign the back of your new card as soon as you receive it. Destroy any old or unwanted cards so they cannot be used. 4) Use caution when giving your account number over the phone or online. If using a credit card over the phone, be sure you are the one who made the call and the company you are giving it to is reputable. If shopping online, check that the site is secure. For unfamiliar websites, check other sites for customer satisfaction ratings and visit the Better Business Bureau, to look for complaints. 5) Check your monthly statement. Open your monthly statement immediately and carefully look over listed items to verify the transactions. If something is wrong, contact your credit card company or credit union immediately. 6) Use Online Banking to view recent transactions. TCCCFFCU offers online banking that allows you to easily view transactions on your account between your monthly statements. Sign up today at creditunion.coca-cola.com. 7) Always respond quickly to calls from our Card Security department if you are contacted to confirm a suspicious transaction on your card. Failure to do so, may result in the card being temporarily suspended until we can confirm there has been not breach of your account. Do you have Our Card? Join the Credit Union today and apply for your Coca-Cola Classic Visa Platinum Credit Card! Our Card features: Rates as low as 10.25% APR* FREE online balance transfer feature NO cash advance fee NO annual fee Instant worldwide recognition of the VISA and Coca-Cola brands For details, see a Financial Service Officer or visit creditunion.coca-cola.com! * APR = Annual Percentage Rate; restrictions apply. Subject to credit approval; rates may vary depending on individual credit history and underwriting factors; all loan programs, rates, terms and conditions are subject to change at any time without notice. Ask a loan representative for details. 3

4 SECURITY UPDATE Data or networking connections could be vulnerable when laptops or smartphones are used on public connections. How s your security? In today s digital world, stealing is no longer limited to taking cash out of someone s purse or car. It now holds a new and common definition to internet users: an invasive breach into your privacy by hacking into your computer, smartphone and tablet to retrieve personal information. Having these items are normal in today s society, but it s important to be aware of the potential security concern they could be. As recent headlines demonstrate, too often sensitive information may be at risk if laptops are stolen or lost. Not only that, data or networking connections could be vulnerable when laptops or smartphones are used on public connections and Wi-Fi hotspots. Here are four tips to help protect the integrity of your data and the privacy of your personal information: 1) Just because you can, doesn t mean you should. Unless there is a compelling reason to take a laptop with sensitive information out of your home and your secure internet access, don t do so. 2) Create strong passwords. Passwords should include at least six characters, preferably with a random string of numbers and capital and lower-case letters. Consider changing passwords on a regular basis. Also, consider password-protecting sensitive files (not just the laptop itself or network connection) and file encryption. 3) Install safe security tools. Use antispam, -virus, -spyware and -adware software and update regularly. Install proper authentication and encryption software and firewalls. 4) Back up critical data. Make sure that any critical files that are on a computer or tablet are backed up elsewhere, possibly an external hard drive you can keep in a safe. Following these tips may help you avoid the costs of restoring data and becoming a victim in case of a breach. creditunion.coca-cola.com 4

5 MEMBER NETWORK Branch update The main branch at the Atlanta Office Complex has successfully been moved and we are now operating out of a temporary location in TEC 1. New branch hours for Teller Service are Mon, Wed, Thu & Fri 7:30 a.m. to 3 p.m., and Tues 10 a.m. to 3 p.m. Member Service hours are Mon-Fri 10 a.m. to 3 p.m. For cash withdrawals during off hours, a non-surcharging ATM is available on NAT12 at the Atlanta Office Complex. To reach Member Services, please call (404) Car buying made easy If you re in the market for a new or used car, you can eliminate the hassle of shopping for a vehicle, and save time and money by using CU Car Buying Service! Once you know what kind of vehicle you want, contact CU Car Buying Service representatives at (404) , and they ll do the shopping for you. They ll even negotiate on your behalf, passing along all rebates offered by the dealer. For fast easy pre-approval of your auto loan, log onto creditunion.coca-cola.com to see how much car your budget will allow. For details or to discuss the model, color and options you want in your next vehicle, call today! Scott Stewart CU Car Buying Service Representative Teller Services Monday, Wednesday, Thursday, Friday 7:30 a.m. to 3 p.m. ET Tuesday 10 a.m. to 3 p.m. ET Member Services Monday Friday 10 a.m. to 3 p.m. ET Electronic brochures Electronic versions of our brochures are now available on our website, creditunion.coca-cola.com. Just click the E-Brochures tab to view items such as CU Wealth Management brochures and our disclosures, including: Electronic Funds Transfer Agreement and Disclosure Funds Availability Policy Rate and Fee Schedules Privacy Policy 5 The Coca-Cola Company Family Federal Credit Union

6 LAST WORDS Protecting your account Peace of mind through and mobile alerts Protecting your account is more important than ever after recent security breaches at major retailers. At The Coca-Cola Company Family Federal Credit Union the security of your account is a top priority, which is why we have many safeguards in place to protect your money. One level of security TCCCFFCU offers is and mobile alerts. These alerts help you stay connected with your accounts and monitor them for fraudulent activity. With and mobile alerts you can choose to receive notification when: Your balance is above or below an amount you specify A withdrawal or deposit posts to your account Credit card purchases exceed a limit you choose Daily ATM withdrawals exceed your specified limit Changes are made to your account or login information And more!! BULLETIN BOARD To sign up for and mobile alerts, visit creditunion.cocacola.com. MAILING ADDRESS The Coca-Cola Company Family Federal Credit Union P.O. Box 1734, Atlanta, GA BRANCH LOCATION Atlanta Office Complex One Coca-Cola Plaza Atlanta, GA HOURS OF BRANCH OPERATION Atlanta Office Complex TEC 1 Teller Services Monday, Wednesday, Thursday, Friday 7:30 a.m. to 3 p.m. ET Tuesday 10 a.m. to 3 p.m. ET Member Services Monday Friday 10 a.m. to 3 p.m. ET MEMBER SERVICE Monday-Saturday 8:00 a.m. to 8:00 p.m. ET (877) toll free outside metro Atlanta (404) within metro Atlanta CONTACT BY FAX General: (404) Loans: (404) SERVICES CU Wealth Management: (404) CU Mortgage Services: (404) CU Car Buying Service: (404) CU Audio Response: (877) (404) INTERNET ACCESS Website: creditunion.coca-cola.com creditunion@coca-cola.com Upcoming events Investment Basics Seminar Visit creditunion.coca-cola.com for details. We ll be closed Friday, July 4 Independence Day The Coca-Cola Company Family Federal Credit Union logo and the Contour Bottle design are trademarks of The Coca-Cola Company. Federally Insured by NCUA This publication does not constitute legal, accounting or other professional advice. Although it is intended to be accurate, neither the publisher nor any other party assumes liability for loss or damage due to reliance on this material. Websites not belonging to this organization are provided for information only. No endorsement is implied. Images may be from one or more of these sources: Thinkstock, istock, Fotolia The Coca-Cola Company Family Federal Credit Union, P.O. Box 1734, Atlanta, GA