In Style! 0.49 % And Keep You. Loans To Make You Feel Good

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1 MoneySummer Times 2013 Times n e w yo r k t i m e s e m p l oy e e s f e d e r a l c r e d i t u n i o n Loans To Make You Feel Good And Keep You In Style! Get your summer swag on with a new vehicle home renovation or special purchase. We ve got the perfect financing for your next vehicle, project or purchase! Details Inside Enterprise Auto Loan Rate 0.49 % Right For The Times Up To 72 Months

2 New York Times Employees Federal Credit Union Members: Get Rates As Low As 0.49 % APR 1 Up to 72 months And, we ll offer you Kelley Blue Book Trade-In Value for your vehicle! 2 Upon used vehicle purchase from Enterprise Car Sales. Now through August 31, 2013 Enterprise Car Sales E. Elmhurst, NY Astoria Blvd or for the nearest location Call to get pre-approved by New York Times Employees Federal Credit Union today! 1 APR=Annual Percentage Rate. Rates as low as 0.49% APR for 36 months. Rates as low as 0.49% for 48 month term, 0.49% for 60 month term, 0.49% for 72 month term. Rate is based on the term of the loan. 100% Financing available including Tax, Title and License. Financing for qualified New York Time Employees Federal Credit Union members. Not all buyers will qualify. Actual rate may vary based on credit worthiness. Offer valid only on Enterprise Car Sales vehicles. Offer valid now through 8/31/13. 2 Trade-in values obtained from 2013 Kelley Blue Book Co. s website KBB.com. Blue Book Trade-in Value is based on accurate condition rating and mileage of vehicle. Accurately appraising the condition of the vehicle is an important aspect of determining its Blue Book Trade-in Value. If a Blue Book Trade-in value is not available for your vehicle Enterprise will provide a fair and competitive value for customer s vehicle. Customer is responsible for any extent vehicle pay-off exceeds Enterprise offer. Customer must provide required proof of ownership/registration and all other necessary paperwork to transfer title. Restrictions apply. For details, see an Enterprise Car Sales Manager. Offer void where prohibited including Alaska, California, Kentucky, Louisiana, Nebraska, South Carolina, Texas and Wisconsin. Offer only valid on one trade-in for each Enterprise vehicle purchase. Offer valid now through 8/31/13. This offer cannot be combined with any other offer. The e logo, Enterprise, and Haggle-free buying. Worry-free ownership. are trademarks of Enterprise Holdings, Inc. All other trademarks are the property of their respective owners Enterprise Car Sales. D07795 SZS HALF AD 2/13 DB Consumer Affairs License # Preview our great selection of quality used vehicles at enterprisecarsales.com/cuautorates Flair For Your Home AT PRIME RATE! Update your kitchen or bath, add a sunroom, or spruce up the entire place. A convenient Home Equity Line makes it easy. Prime Rate makes it affordable! Apply once and borrow up to your approved amount. There s no need to apply again. Simply repay and your line is replenished to use again when it s needed. Apply Today Call (212) or visit Borrow $50,000 For As Little As $ Per Month Terms Up To 20 Years *APR = Annual Percentage Rate. Rates are subject to change without notice. Other rates and terms available. Contact credit union for complete details. Home Equity Line Of Credit Prime Variable Rate 3.25% Lucrative Credit Lines $10,000 To $250,000 (80% of Appraised Value Less Your First Mortgage) No Closing Costs For Loans Up To $50,000 $500 Towards Closing Costs (On Larger Loans) Easy Access And Convenient 10-Year Draw Up To 20 Years To Repay Page 2

3 No Worries While On Vacation If you re traveling with the kids this summer, or anytime, remember, our website is always open for business at You can access your accounts 24/7 safely and securely for all of your transactions. You can also choose from a multitude of other online services. No matter where you are, we re always close by! Enjoy Easy Account Access 24/7: Look for The Co-Op Network Logo When You Need Cash Stay connected to your accounts all summer long. Use your MasterCard Debit Card nationwide for convenient cash access. Members of the New York Times EFCU have access to over 30,000 surcharge-free ATMs through the Co-Op Network! Over 9,000 of these locations take deposits, and 5,500 are conveniently located in 7-Elevens, Walgreens and Costco s. Download the ATM Network Locator App at co-opnetwork. org, or text a zip code to to find the closest location. CU Online CU Online is 24/7 banking at its best! View your accounts, transfer funds, check to see if checks have cleared, generate history reports and more. Mobile Banking It s free and offers the ultimate in banking convenience. And now, pay bills with your smart phone or any mobile device. Pay Anyone Anytime! New enhanced Bill Pay offers more options and convenience than ever. Popmoney Send payments to anyone with their address, mobile number, or account number. Account To Account Transfer Gives you the option to transfer funds between NYTEFCU and virtually any other financial institution. PAM Track your accounts online, including your credit union accounts and those at other financial institutions. You ll also gain free access to money management and budgeting tools online. Take A Break From Your Summer Loan Payment(s) Our Skip-A-Pay program is the easy way to free up funds for vacation, a purchase opportunity, or to pay off debt. You can choose to skip a payment when it s convenient for you. The cost is just $25 per loan payment. Call us for details. The skip-a-payment request can be applied twice in a calendar year, but not in consecutive months. PAM Your Personal Account Manager Keeping You Connected To Your Finances PAM is our popular and versatile personal financial management tool that will help you save time and money. Track and monitor all of your accounts online, 24/7, including accounts at NYTEFCU and those at other financial institutions. Access Financial Management And Budgeting Tools Schedule Budget And Spend Alerts To get started, go to CU Online and click on the Personal Account Manager (PAM). If you re new to CU Online, click on Forgot Password and follow the easy steps. Page 3

4 Books, Tuition & More Get your student ready for fall with a low-cost loan from NYTEFCU. Our Back-To-School loan is perfect for a variety of needs. Use the funds for tuition, books, a new phone, or for any unforeseen expense. You can apply online at or use the attached application. * APR = Annual Percentage Rate. Hurry Offer Ends September 30, 2013! Back-To- School Or summer fun loan 5.50% 12-Month Term $500 to $25,000 Share The Benefits! The credit union philosophy is alive and well at NYTEFCU. We ve been serving your needs since 1954, and our reputation is built on the personal trust and confidence you ve placed in us. Providing the services you need, and saving you money, are two core philosophies. Invite your entire family to join. Wouldn t they like a better place to bank, too? No Surprises Here Save More With Our VISA Card What You See Is What You Get! At NYTEFCU, you can take advantage of a credit card with no hidden fees, and flexible rates and terms. Carry our Visa and shop with confidence at retailers around the world. You ll save money with no annual fee and a 25-day grace period on purchases. Our cards are not only affordable, but give the purchasing power you need. No-Surprise Features & Great Fixed Rates: 9.00% For Gold ~ Limits To $25, % For Classic ~ Limits To $10,000 No Annual Fee No Balance Transfer Fee No Cash Advance Fee Easy Online Access ~ Make Payments And Check Balances Apply today with the attached application or go online at *APR= Annual Percentage Rate. Enjoy 24/7 Access For Free With Our Mobile Banking APP * Mobile Banking is easy, secure and convenient. Check Your Account Balances Review Recent Account Activity Transfer Money Between Accounts Pay Bills Popmoney And More! It s easy to access your accounts: To get started, log onto CU Online, click on Services and the Mobile tab to register your device. After you have registered your device, you will receive a link to download the app and activate your phone. *Message and data rates may apply. Supported phones include iphone, Android, Blackberry, and many other Java phones. Page 4

5 LOAN APPLICATION 1. Apply via our website at 2. Complete the Right loan application For The Times below and fax to (212) Eighth Ave., 28th Floor New York, New York Complete the loan application below and mail or hand it in to our Loan Department PROOF OF INCOME REQUIRED MEMBER Account # Amount Requested Purpose of Loan Collateral NOTICE: Married Applicants may apply for a separate account. Check the appropriate box below to indicate the type of credit for which you are applying. Individual Credit: Complete the Co-Applicant section as follows: I am applying for a New York Times Employees Federal Credit Union: (1) Information about your spouse if you live in a community signature Loan Convert My Current share Certificate Secured Loan property state (AZ, CA, ID, LA, NM, NV, TX, WA, WI) or (2) If one Year Fun Loan NYTEFCU VISA Classic stock Secured your spouse will use the Account. Right For line The Of Times To A VISA Gold Card Credit non-purchase Vehicle/Refinance Joint Credit: Provide information about both of you by Home Equity Line Of Credit new/used Vehicle Loan other completing Applicant and Co-Applicant sections. share Secured Loan VISA Classic Or Gold Last Name first Middle Social Security # Street Address apt. # City state Zip Birth Date Employer employer Address Start Date Position Applicant (If additional space is needed, please use a separate sheet of paper. All income must be listed if it is to be considered.) Notice: Alimony, child support or separate maintenance income need not be revealed if you do not choose to have it considered. Other Source: $ Per Gross Monthly Income Net Monthly Income $ Home Phone Work Phone Own Monthly Payment Mother s Maiden Name Rent Co-Applicant Last Name first Middle Social Security # Street Address apt. # City state Zip Birth Date Employer employer Address Start Date Position Notice: Alimony, child support or separate maintenance income need not be revealed if you do not choose to have it considered. Other Source: $ Per Gross Monthly Income Net Monthly Income $ Home Phone Work Phone Own Rent Monthly Payment Mother s Maiden Name A consumer credit report may be required in connection with this application and with any renewals, updates or extensions of any new credit extended as a result of this application. The credit union is relying on what you stated in this application and you acknowledge that everything you have stated is true. Offer of credit subject to application and creditworthiness. Applicant Signature Please Sign Here (Both signatures required for Joint Credit) Right For The Times date X Application For Credit Disability Insurance Check if Credit Disability Insurance is desired. The credit union will disclose the actual cost of this voluntary insurance to you. Yes, I want Credit Disability Insurance No, I don t want Credit Disability Insurance Signature date Co-Applicant Signature date X FOR CREDIT UNION USE ONLY Approved Declined Credit Limit Loan Officer Signature (212) (212) (Fax) Cut here and return to credit union Page 5

6 Stylish Deals To Fit Your Budget A Sweet New Car Trade in that gas-guzzler for a shiny new vehicle. Or step up to something larger to fit the soccer gear and the team. We offer 100% financing on all vehicles, including tax, title and tags. If you already have a great car, refinance with us and save on your monthly payments! New & Used Vehicle loans 1.74% Terms Up To 72 Months Times Money Incredible Rates Times Money Contact Information New York City Office 620 Eighth Avenue, 28th Floor New York, New York (212) Fax: (212) (888) NYT-EFCU (outside NYC and Long Island) Edison, NJ Office 91 Fieldcrest Avenue Raritan Plaza II Suite A21 Edison, New Jersey (Located in the NJ Carpenters Funds Building) (732) Fax: (732) NEW ADDRESS! College Point Office One New York Times Plaza Flushing, New York (718) Fax: (718) PRSRT STD U.S. Postage PAID Lehigh Valley, PA Permit #550 Enjoy Flexibility With Online Bill Pay! Plus, for a limited time you can earn a $25 bonus when you sign up for Online Bill Pay with Direct Deposit.* Pay And Send Bills Online Anytime Schedule Recurring Payments Track Payments For Easy Record Keeping Use Popmoney Receive Or Send Money To Anyone *$25 credited to share account within 60 days after four bills are paid online. Log onto CU Online access and click the CheckFree Bill Pay. Pay four bills by September 30, 2013, send us a message, and we ll credit your Account. Holiday Closings Independence Day Thursday, July 4, 2013 Labor Day Monday, September 2, 2013 Columbus Day Monday, October 14, 2013 Veterans Day Monday, November 11, 2013 Thanksgiving Thursday, November 28, 2013 Christmas Wednesday, December 25, 2013 Page 6 VISA Account Information: (800) VISA Lost Card: (800) hours ATM/Debit Card Lost/Stolen: (800) hours Website: info@nytimescu.org Routing Number: Important News INFOLINE was disconnected as of June 30, Be sure to activate your Mobile Banking service or go online anytime for account access at