Lanakila Ka Ohana I Ke alaka'ina O Ke Aloha Makamae (Our Family Is Successful As We Are Guided By And Radiate With Love) CAR LOAN Special

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1 Hawaiian Tel Federal Credit Union December 2010 BELONGING A newsletter for members Lanakila Ka Ohana I Ke alaka'ina O Ke Aloha Makamae (Our Family Is Successful As We Are Guided By And Radiate With Love) Holiday CAR LOAN Special %ANNUAL 36 Month Term New or Used* PERCENTAGE RATE AS LOW AS 60 Month Term New or Used* 6 and 7 year terms available %ANNUAL PERCENTAGE RATE Use the application on page 4 to apply today! Hurry in to finance your Holiday auto purchase. With these great rates, you ll be sure to have a Merry Christmas! Our quick loan turn-around time will have you holiday shopping in style. Also, with our low rate, you ll have extra cash to help you with your shopping list. Promotional rate good until 12/30/10. Subject to approval. Not available to existing HiTel FCU auto loans. *Used cars up to six years old.

2 Chairman s Message Aloha Members, The Christmas season is here once again, bringing with it the usual festive atmosphere and feeling of joyous anticipation. Your credit union is happy to be adding to this excitement with our special Holiday offers. We pride ourselves on having some of the best auto loan rates around, and we re sure our Holiday Car Loan special will give your season a jump start. If a new car is on your wish list, give us a call today. We ll be more than happy to help you. Please don t forget to take a look at our special Holiday operating hours. We don t want to miss you. Also, be sure to stop in and visit us on the days before Christmas Eve and New Year s Eve for a special treat. This Christmas, take a moment to reflect on the true meaning of the season. It is a time for togetherness, for peace and aloha. On behalf of my fellow board members and credit union staff, have a wonderful and safe Holiday season. Member Service 2011 Pocket Calendars The 2011 Pocket Calendars are now available! This handy, conveniently sized planner will help you keep track of important dates throughout the upcoming new year. They re available at your favorite HiTel FCU Branch. Please note that there is a limit of one calendar per member. Come in and get yours today! Christmas Money Envelopes Giving monetary gifts this season? HiTel FCU has you covered with our special Christmas money envelopes. These envelopes are the ideal containers when giving the gift of holiday cash. There is a limit of five envelopes per member. Supplies are limited and are sure to go quickly so hurry in to any HiTel FCU branch today. Kalihi Branch (Main) 1138 North King Street Honolulu, Hawaii PH: (808) Bishop Branch 1177 Bishop Street, Suite 100 PH: (808) :30 AM to 3:00 PM Friday 7:30 AM to 5:30 PM* (*If Friday is a holiday, open till 5:30 PM on Thursday) Kaimuki Branch th Avenue, Suite 101 PH: (808) Waipahu Branch Waipahu Depot Street, Room 115 PH: (808) Wheeler Branch 1129 Wright Ave., Wheeler AAF PH: (808) Toll-Free Number Hour Voice Response AnyTime Teller To report a lost or stolen VISA Credit Card please call Board of Directors Chairman: William Primo Pimental Vice Chairman: Glen Moribe Treasurer: Calvin Choy Secretary: Wanda Beppu Directors: Donald Scotty Bowman Ken Miyasato Michael Yee PRESIDENT: Norman Okimoto BELONGING EDITORS: Paulette Ito Darren Soliven Belonging is published by Hawaiian Tel FCU as a service to its members. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government NCUA National Credit Union Administration, a U.S. Government Agency

3 HiTel FCU in In October, HiTel FCU members and lucky contest winners spent four fun filled days living it up in Las Vegas with Island 98.5 FM s Wake Up Crew Rory Wild and Gregg Hammer. It was all part of the credit union s Go Christmas Shopping in Vegas promotion, in conjunction with Island 98.5 FM and Vacations Hawaii. Attendees got a jump start on their Christmas shopping by boarding a chartered bus and going to such places as Fry s Electronics, Town Square, Las Vegas Outlet Stores, The Galleria Mall, and Las Vegas Premium Outlets just to name a few! There was also a live radio broadcast featuring several Vegas celebrities, and the exclusive slot tournament is always a highlight. A big mahalo to everyone who came along to make the trip a success. Credit Union Holidays Hawaiian Tel Federal Credit Union will be closed on the following days: Christmas Friday, December 24 New Year s Friday, December 31 Lining up for the shopping bus. Sweetie Pacarro of KSSK and Paulette Ito, VP Marketing & IT at HiTel FCU congratulate a slot tournament winner. The Rat Pack pays a visit to the live radio broadcast. Special Holiday Hours Thursday December 23 & Thursday, December 30 Main Branch (King Street) 8:30 a.m. - 4:00 p.m. Bishop Branch 7:30 a.m. - 3:30 p.m. Waipahu & Kaimuki Branches 8:30 a.m. - 3:30 p.m. If you have problems during non-business hours with your ATM ShareCard or MasterCard Check Card, please call (800) (within U.S.) or (812) (outside U.S.) If you have problems with your VISA Credit Card, please call (800) Highlighted Employee If you are an employee of one of our member organizations, you may have already had the pleasure of meeting Alexi Joaquin, our highlighted employee for this issue. Alexi has been with Hawaiian Tel Federal Credit Union for almost four years, and works as a Membership Development Specialist. In his spare time, Alexi enjoys playing basketball or watching sports on TV. He is also a frequent traveller and has recently visited China as well as cities all over the mainland. Though born and raised in Hawaii, Alexi spent his high school and college years in Seattle, and still visits there often. Another favorite vacation spot is New York, where some of his family resides. Alexi enjoys being on the go and says what he likes best about working at the credit union is the opportunity to go out and meet with our valued members. Alexi s Favorites Sports Team: New York Knicks Movie: Gladiator or Remember the Titans Food: Thai page 3

4 EZLOAN FORM Make the Most of the HOLIDAYS with a Loan! Travel? A new car? It s Up to You! Use this Quick and Easy Application Form and Apply Today! Check the Appropriate Box Individual Credit: Complete applicant section Joint Credit: Complete applicant and co-applicant sections. Joint applicant must be a HiTel FCU member. Amount Requested: Purpose: Account #: Applicant Applicant Name Soc. Sec.# DOB Mother s Maiden Name Home Phone Work Phone Pager/Cellular Phone Home Address City State Zip Address Employer Position Length of Employment Mortgage/Rent $ Net Monthly Income $ Other Income $ Source If less than one year, also list previous employer. Employer Position Co-Applicant Name Soc. Sec.# DOB Mother s Maiden Name Home Phone Work Phone Pager/Cellular Phone Home Address City State Zip Address Employer Position Length of Employment Mortgage/Rent $ Net Monthly Income $ Other Income $ Source If less than one year, also list previous employer. Employer Position Debts Creditor Balance Monthly Payment If you are applying for a new/used auto loan and have your dealer invoice, please attach it to the application. Signatures Everything you have stated in this application is correct to the best of your knowledge. You understand that Hawaiian Tel Federal Credit Union (HTFCU) will retain this application whether or not it is approved. You authorize HTFCU, both now and in the future to check your credit and employment history and to answer questions about HTFCU s credit experience with you. You also authorize HTFCU, both now and in the future, to make available any and all information relating to your financial condition, including reports prepared by credit agencies and information obtained from other creditors. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. By signing below, you agree with all of these above. Signature Date Co-Applicant s Signature Both signatures required for joint loans. Date Mail this completed form to: Hawaiian Tel FCU, 1138 N. King St., Honolulu, HI or FAX it to This application intended for consumer loans only. Please call for mortgage loan applications. page 4

5 Save the Date HAWAIIAN TEL FCU 2011 ANNUAL DINNER Saturday, April 2, 2011 Mark your calendars and save the date! Our 74th Annual Meeting and Dinner will be held on Saturday, April 2, 2011 at the Hilton Hawaiian Village! Featuring live music by NESIAN N.I.N.E. This year, our biggest event of the year will be held at the Tapa Ballroom, as opposed to the Coral Ballrooms. The Tapa Ballroom is located across the parking lot, above the Duty Free shop. Join us for an unforgettable evening of dining, dancing and door prizes. Secure your seats by submitting the form below. Your tickets will be mailed one week prior to the start of ticket sales. Tickets go on sale February 7. Reserve Your Advance Tickets Simply fill out the form and fax, mail or bring in to any branch. TABLE OF TEN BONUS: With any full table of ten (10) the table captain will receive a free Hilton Hawaiian Village parking pass! Advanced ticket reservation must be received by January 7, N. King St., Hon. HI FAX: Members $25 (M) Non-Members $40 (NM) 1. M Table Captain NM 2. M NM 3. M NM 4. M NM 5. M NM 6. M NM 7. M NM 8. M NM 9. M NM 10. M NM STAGE Enclosed is a Hawaiian Tel FCU Check/Please debit my account: Payment Total: Savings Acct. No: Checking My Signature Date A C B D Seats Needed Indicate which area you would like to sit. A B C D Consolidated Theatres Screen Savers Notice Please note that there have been some recent changes regarding the Screen Savers. The price for a Screen Saver ticket is now $6.75, a significant savings over regulat ticket prices. Also, effective November 2010, Sony Pictures will impose a full restriction policy for all of their films. What does this mean to you? Screen Saver discount tickets will not be accepted for ANY PERFORMANCES, INCLUDING MATINEES BEFORE 4PM for the opening 2 weeks. After the first two weeks, you may use them at any time. Please be advised that this is a studio policy and must be adhered to. For now, only Sony Pictures is imposing this restriction. Board Election Notification Nominations for the Board of Directors may be submitted by petition. Petitions may be picked up at any branch and must be turned in no later than February 11, page 5

6 Hawaiian Tel Federal Credit Union 1138 N. King St. Hon, HI Presorted Standard US Postage Paid Honolulu Hawaii Permit #170 Get tickets online for just $19.99! Give the gift of movie tickets! Visit your favorite branch today! RATE WATCH 2.00% APY Share Certificate (36 mos.) % APY* Share Certificate (24 mos.) % APY* IRA Certificate (24 mos.) % APY* VIP Money Market Accounts $100, and over % APY $50, , % APY $5, , % APY 2.95% APR New Auto Loans (rate good until 12/30) 3 years % APR AS LOW AS (rate good until 12/30) up to 5 years % APR 6 & 7 year terms also available Used Auto Loans AS LOW AS up to 5 years % APR Home Equity LOC Fixed through December % APR Rates effective as of printing date and are subject to change without notice. APY=Annual Percentage Yield APR=Annual Percentage Rate *500 MINIMUM BALANCE Left: HiTel FCU staff help with our 2009 Toys for Tots donations. Hawaiian Tel FCU is proud to take part in this year s Toys for Tots program. Drop off a new, unwrapped toy at any HiTel FCU branch before Friday, December 17. During this season of giving, you can help make a disadvantaged child s holiday merry and bright. Donate a toy today! Right: Look for these boxes in our branch and donate a toy! page 6