Educator. the 1.75% Fall Car Sale. Spooky Low Rates! WWW. Head To The Big Game In Style Vehicle Loan Rates as Low as 1.99% for up to 60 Months*

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1 PUBLISHED FOR THE MEMBERS OF CREDIT UNION OF GEORGIA the Educator FALL WWW. CUofGA.org Head To The Big Game In Style Vehicle Loan Rates as Low as 1.99% for up to 60 Months* P Purchasing new or refinancing current, there is no better time to SAVE BIG! Rates are now as low as 1.99%* for up to 60 months when you purchase or refinance a 2008 or newer vehicle loan! Low rates are also available on longer terms and more mature vehicles. Start saving today visit any branch location, or contact us at or mbr-svs@cuofga.org to get started today! *Annual Percentage Rate. Rates as low as 1.99% APR for up to 60 months on 2008 and newer vehicles only. Rate advertised is the floor rate, no other discounts available. Member will receive promotional rate for the life of the loan. Promotion is valid October 1, 2012 December 31, Qualification is based on an assessment of individual creditworthiness and our underwriting standards. Program, terms, and conditions are subject to change without further notice. Visit or contact Credit Union of Georgia directly at for current rates, terms, and conditions. Spooky Low Rates! for up to 60 months! 1.75% Rates as low as APR * Get Pre-Approved Today! 90-Day No Pay Incentive Top Dollar On Trade-Ins Fall Car Sale Friday, October 12th 11am 4pm & Saturday, October 13th 9am 3pm NEW KSU Branch 3333 Busbee Drive, Kennesaw Spooky Low Rates at Our Fall Car Sale! Huge Selection of New, Used, Foreign, & Domestic Vehicles to Choose From Friday, October 12th 11am 4pm Saturday, October 13th 9am 3pm Rates as low as 1.75% APR* for up to 60 months Plus, 90 Day No Pay & Top Dollar on Trade-Ins! Know What You re Looking For? We can find it! Contact Scott or Scott Richardson at AutoBuyingService@CUofGA.org Mike Bryan at AutoBuyingService2@CUofGA.org NEW LOCATION! KSU KSU Center 3333 Busbee Drive, Kennesaw For fast and easy pre-approvals visit or contact us at *APR=Annual Percentage Rate. Rates as low as 1.75% APR for up to 60 months, as low as 2.75% APR for up to 72 months. Rates advertised are the floor rates, no other discounts available. Not valid on refinances. Member will receive promotional rate for the life of the loan. Rates are valid October 1, 2012 October 31, 2012 only. Member must use Credit Union of Georgia Auto Locators to purchase their vehicle or purchase at the Car Sale to receive the promotional rate. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. Program, terms, and conditions are subject to change without further notice. Visit or contact Credit Union of Georgia directly at for current rates, terms, and conditions.

2 VISA PLATINUM WITH REWARDS MEMBERS Sadly our Visa Platinum with Rewards program will be ending on October 31, 2012; however, all members who were previously enrolled in the Visa Platinum with Rewards program will automatically be enrolled in our Visa Platinum Credit Card program. All purchases made October 31, 2012 and prior will be billed at the Visa Platinum with Rewards rate, beginning November 1, 2012; all purchases made will be billed at the Visa Platinum rate. Visa Platinum with Rewards members can redeem points through December 31, Make Your American Dream a Reality! D In-House Mortgage Rates as low as 3.25% APR*! Dreaming of Home Ownership or the Possibility of Paying Off Your Home Some Day? We re Here to Turn Your American Dream into a Reality! GOT ? We ve gone digital, so make sure you have a valid address on file with the Credit Union. We won t SPAM you; we ll just be sending important information about your account and the latest promotions available to you. 15-Year Term Rates as low as 3.25% APR* Up to 85% Loan to Value (LTV) ½% Origination Fee No Private Mortgage Insurance No Intangible Taxes Get your purchase or refinance started today at *Annual Percentage Rate. The floor rate for this promotion is 3.25%. Offer valid on new mortgages and refinances. Property must be primary residence and in the State of Georgia to qualify. Offer expires when $6,000,000 funds are disbursed. Members who currently have a mortgage with Credit Union of Georgia are eligible to refinance, new credit will be pulled. Qualification is based on an assessment of individual creditworthiness, value of property, and our underwriting standards. Program, terms, and conditions are subject to change without further notice. VISA CREDIT CARD MEMBERS Need a Break After the Holidays? You re in luck! Members who qualify will automatically be eligible to skip their January Visa Credit Card Payment. SANTA CLAUS IS COMING TO TOWN Saturday, December 8th, KSU Branch Santa Claus will be at the KSU Branch on Saturday, December 8th from 9 am 1 pm. Bring your wish list and have your picture taken with Santa free of charge. This event is for the first 50 Cuga Kid s Club members who RSVP by December 7th. Please leave your child s name, account number, and contact number so your reservation can be confirmed. Please contact Cuga at to reserve your spot to see Santa today! Don t Let The Holidays Stress You Out Give The Gift Of Visa Visa Cards Are Now BUY ONE, GET ONE FREE Through The End Of The Year With a Visa Gift Card from Credit Union of Georgia, giving W the perfect gift is simple and stress-free! Whether you re looking for a gift for the shopaholic, the sports fanatic, the home improvement expert, or the world traveler, look no further than a Visa Gift Card. These prepaid cards can be purchased in amounts as little as $10 all the way up to $1,000, and can be used anywhere Visa is accepted even online! Plus, from October 1st December 31st when you purchase one Visa Gift Card at the $3 fee, you will receive the second Visa Gift Card fee-free!* A Visa Gift Card works just like a credit card simply swipe and sign. The card can be used again and again until the balance is depleted. So stop stressing about the perfect gift. With a Visa Gift Card from Credit Union of Georgia, giving is easy! Purchase yours today at any Credit Union of Georgia branch location! *Buy one get one free Visa Gift Card promotion valid October 1, 2012 December 31, Member must purchase one Visa Gift Card at a fee of $3.00 to receive the second Visa Gift Card fee-free. Some restrictions may apply. 2

3 Debit & Credit Card Services Corner 1, 2, 3 JOINING IS EASY VISA CREDIT CARD MEMBERS Have you signed up to receive estatements? If not, now is the time. It s fast, safe, and best of all FREE! Sign up today at CUofGA.MyCardInfo.com. TRAVELING OUT OF THE STATE SOON? Be sure to give us a call before you leave so we can put a release on your Debit and Credit Cards. Due to a recent influx of fraud occurring on both Debit and Credit Card transactions outside of Georgia, we have blocked card usage in several states and all foreign countries. For a list of these states, please visit the Latest News section on We apologize for any inconvenience this may cause you; we are doing this to protect our members. EASY VISA PAYMENTS Now it is easier than ever to make a payment to your Credit Union of Georgia Visa Credit Card. Just log on to ebranch, click on the transfer tab on the left side of the screen, and you will be able to make a transfer from your share account straight to your Credit Union of Georgia Visa Credit Card. With our new online membership application you can start an application, verify your identity, and fund the account without ever having to leave your home! Check it out today at Add an Account to Your Existing Account Open a Minor Account Open a Whole New Membership Save $1 Earn $1 J Jump on the bandwagon sign up for estatements today and earn $1! estatements are electronically mailed statements that are the quickest and safest way to view your Credit Union of Georgia monthly account statement(s).that means No need to wait for mailed paper statements statements are usually online the 1st day of the month. Your last 12 months of account statements are available online in a secure environment, 24/7. A tree will be saved by reducing paper waste. Best of all you ll receive $1 when you sign up! Enrolling is simple! Just log on to your ebranch account and click on the estatement arrow on the left side of the screen to enable your estatements. You can also sign up for estatements at any branch location or by contacting our Call Center at Be sure to provide us with a valid address so we can send you notices about your statement. Drowning in paper statements? 3

4 Holiday Spending Have You Glum? Skip Your Next Loan Payment You may be eligible to skip your next loan* payment at the Credit Union! All you have to do is complete the form below and mail, , fax, or deliver to the Credit Union by January 31, Yes! I d like to skip my NOVEMBER DECEMBER JANUARY (Circle One) Loan Payment Complete the information below for each loan payment you wish to skip: Loan Number Loan Number Loan Number Name Address City/State/Zip address Contact Phone Number Member Signature Date Requested Please deduct the $25 convenience charge from: Credit Union of Georgia Checking Account Credit Union of Georgia Savings Account Payment Enclosed, Made Payable to Credit Union of Georgia Mailing Address: PO Box 2148, Woodstock, GA Address: mbr-svs@cuofga.org Fax: *A $25 processing fee will be deducted from the member s account or collected at time of form submission. Loans must be current at the time the payment holiday form is received or the request will not be processed. Home Equity Loans, Home Equity Line of Credits, Student Loans, Real Estate Loans, and Visa Credit Cards are not eligible for payment holidays. By submitting my Skip-A-Pay request I understand this option extends the current balance of the loan(s) by the amount of the payment skipped and that interest will accrue on the balance of the loan. I understand if my loan is covered by a Guaranteed Asset Protection (GAP) Policy that skipping more than two (2) payments over the term of the loan may result in a deficiency balance. Certain restrictions may apply. By signing and returning this form, you are requesting Credit Union of Georgia to advance the due date equal to one month s payment on each of your eligible loans which you have listed. Don t Let Emotions Drive Your Investment Decisions Content developed by CUNA Brokerage Services, provided by CU of GA Financial Services Emotions play an important role in some of the most important decisions we make in our life. But when it comes to investing, emotions can do more damage than good. Here are three ways that emotions play a detrimental role in our investment decisions and what we can do about it: Don t Follow the Herd When stock prices start to fall, some people decide to sell their stock mutual funds. What starts as a few people selling their investments can turn into a panic where everyone decides to sell. It s called herding and it is one of the most common mistakes that people make when markets decline. our plan to reach our goals a sound plan? Are there any good reasons to abandon our plan? Once we have asked and answered these questions, our decisions are more likely to be driven by logic, not emotions. Sam Davis is a Financial Advisor with CU of GA Financial Services located at Credit Union of Georgia. If you have any questions, or would like to provide feedback, regarding the information presented in this article, you may contact Sam Davis at or sam.davis@cuofga.org. Representative is not a tax advisor or legal expert. For information regarding specific tax situations, please contact a tax professional. For legal advice, consult an attorney. Avoid Extreme Thinking When markets fall, people often start to think in extremes. Everything in the market begins to look black and white. The facts can have many meanings and we need to think intelligently about how these facts affect us before we make any investment decisions. Be Aware of Our Short-Term Bias When it comes to investing, most of us have a short-term bias. That means that recent market gains lead to excitement and higher expectations. On the other hand, recent market losses lead to suspicion and caution. The challenge for investors is not to forget both the long-term history of the markets and their own long-term goals. Stay True to Your Goals and Your Plan When markets are volatile, it tends to bring out our emotional side. Before we react emotionally to short-term market gyrations, we should ask ourselves some important questions. What is our long-term goal? Have our goals changed? Was Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (866) Nondeposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financial services program, to make securities available to members. FR A88 4

5 ANNOUNCEMENTS HOLIDAY CLOSINGS Columbus Day - Monday, October 8th Thanksgiving - Thursday, November 22nd & Friday, November 23rd Christmas Eve - Open 9am - 1pm, Monday, December 24th Christmas Day - Tuesday, December 25th New Year s Day - Tuesday, January 1st GET SOCIAL WITH US! Your Credit Union is now on Facebook and Twitter! Check Out Our Wall and Tweets For The Latest Your CU! Become a Fan! Follow Us! TELL US HOW YOU FEEL! Complete our Member Satisfaction Survey at and you ll be entered in our monthly drawing to win a $25 Visa gift card! SMARTPHONE, TABLET, & ipad USERS Check Out Our NEW Mobile Website! Just visit from your Smartphone, Tablet, or ipad and it will automatically load. It just got even easier to connect with your Credit Union! For a complete list of branch locations, visit COMMUNITY Corner WELCOME BACK! Each year prior to the beginning of school, the nutrition departments from each school district gather to enjoy fellowship and obtain useful information and training. Credit Union of Georgia was on hand to help kick off the school year. Pictured right are the Marietta City Schools and Paulding County Schools Nutrition Staff with Credit Union Representative Rebecca Cooper. KSU STAFF MEMEBER RECOGNIZED Credit Union of Georgia is proud to sponsor the Shining Star Program at KSU. Monthly winners are selected from staff and faculty who have gone above and beyond in the area of customer service. Pictured are KSU President Dr. Daniel Papp, KSU Annual Shining Star Award Winner Kathy Rodgers, Wellstar School of Nursing, Credit Union Representative Rebecca Cooper, and Senior Training Specialist Paula Billups. CHEROKEE DRIVERS GETTING READY TO ROLL Credit Union representatives visited with the Cherokee County School District transportation staff as they attended their annual safety meeting. Drivers received gifts and information from the Credit Union. Pictured with Cherokee County Schools Transportation Staff are Credit Union Representatives Rebecca Cooper and Amanda Arnold. BOWLING FOR A CAUSE In addition to being supportive of educational initiatives and opportunities in the schools we serve, Credit Union of Georgia also looks for ways to support worthy charitable organizations within our community. We were pleased to participate in the annual Credit Union for Kids: Children s Miracle Network Bowl-a-Thon, benefiting Children s Healthcare of Atlanta where we raised $5,000. VAULT CLASSIC CHARITY SOFTBALL TOURNAMENT Batter up! The Credit Union participated in the 2nd Annual Vault Classic Charity Softball Tournament at Al Bishop Park in Marietta. The Cuga Cougars played to represent Children s Miracle Network and Relay for Life (toll-free) To ensure that the Credit Union receives your correspondence and payments in a timely manner, please make sure you send all mail to Credit Union of Georgia at the following address: Mailing Address: P.O. Box 2148, Woodstock, GA 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. Images may be from one or more of these sources: Thinkstock, istock, Shutterstock. CREDIT UNION SUPPORTS COBB SCHOOLS FOUNDATION The Credit Union was pleased to be an Alumni Sponsor at the Cobb Schools Foundation 8th Annual Homecoming Classic. This festive day included a silent auction, entertainment, raffle prizes, food and a beautiful day of golf at Brookstone Country Club, where teams gathered to Tee Off for Education. All monies raised at this exciting event will benefit children within the Cobb County School District. CREDIT UNION DONATES TO A DAY A donation was made to the 2012 A Day for Reinhardt Program, which provides scholarships to Cherokee County School District students who choose to further their education at Reinhardt University. Pictured with Credit Union Representative Rebecca Cooper is Dr. Thomas Isherwood, President of Reinhardt University. We Do Business in Accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. 5