NEED CASH? We make loans for many reasons in all seasons! Check out our great rates inside, and see the back page for a listing of loans available!

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1 FRANKLIN TRUST FEDERAL CREDIT UNION FALL/WINTER Serving Our Member-Owners Since 1934 Save up to 20% on the Cost of Your Electricity! Franklin Trust Federal Credit Union wants you to pay a lot less for electricity. In Connecticut, you can now save up to 20% on the generation portion of your electric bill. Enrollment is FREE, easy and there s NO CATCH! Sign up by going to and click on the Discount Power button on our home page. All you need is a copy of your electric bill. Simply fill out the residential enrollment form and submit your application. An from Discount Power will provide a link to confirm your enrollment. Your request is then submitted to your utility provider to let them know you have switched your generation provider. On the next meter read date, the change will go into effect. You will see the savings on your bill once you have gone through a full meter read cycle. Of course, you are welcome to bring your electric bill to any Franklin Trust office. We would be glad to answer any questions and help you sign up. Sign up today and start saving! Youth Accounts: Beneficial Gifts During this holiday season, open an FTFCU account for your children or grandchildren to introduce them to the lifelong benefits of saving! The standard $10 membership fee is waived for youngsters aged 18 years and under. Be sure to inquire about the special offers that are available for your child s age group. For details, call us at (860) , ext NEED CASH? We make loans for many reasons in all seasons! Check out our great rates inside, and see the back page for a listing of loans available! SKIP-A-PAYMENT! Thank You for your loyalty and support. You can skip your Personal or Auto loan payment in the month of December and/or your Home Equity Loan, HELOC, or Mortgage payment in December and/or January. You must have been on time for all payments in the last 12 months and interest will continue to accrue. Just complete the form below. Return this form completed by December 15, If you re approved, we ll send you a Skip-a-Payment form to sign. Yes! I want to SKIP-A-PAYMENT on my loan * : Personal or Auto Loan December 2010 Home Equity, HELOC, or Mortgage December 2010 January 2011 * Processing fee is $40.00 per loan per month. Name Street City/State/Zip Phone (Daytime) (Evening) FTFCU Acct. No. Suffix(es) PAYMENT OPTIONS Enclosed is my check payable to Franklin Trust Federal Credit Union for $ Please deduct $ from my: Share Account Share Draft Checking Account Drop off form at any FTFCU office or fax it to (860) or mail it by December 15, 2010 to: Franklin Trust Federal Credit Union, 632 Franklin Avenue, Hartford, CT Questions? Please call our Loan Dept. at (860) ext. 107, 114, 203, or 204.

2 VISA Gift Cards Surcharge-Free ATMs Franklin Trust FCU is part VISA Gift Cards make terrific of the CO-OP and SUM gifts and make gift-giving easy! Safe and convenient, ATM networks, with over 30,000 they can be used wherever surcharge-free ATMs nationwide! VISA is accepted. Cards cost To find a surcharge-free ATM near you, from just $3.50, depending on just log on to or your Club 75 level. Sunday Hours at Main Office Sign up for FRED FRED (Franklin Remote Electronic Deposit) allows you to conveniently deposit checks to your Franklin Trust account via scanner from Our Main Office at 632 Franklin Avenue in Hartford is now open on Sundays from 1-4 p.m., as well as on Thursdays until 7 p.m. Please see the back page of this newsletter for a complete schedule for all our locations. anywhere that you have internet access! No special devices are needed, plus FRED is free for qualified members. For more information, call us at (860) , ext FRED On the Move mobile banking will also be available soon, enabling you to deposit your check via a photo from your Smartphone! Save with Sprint! Both new and existing Sprint customers can save 10% off most regularly priced Sprint individual service plans! Enjoy other exclusive offers that only credit union members can receive, too! Three Ways to Get Your Discount: Call 877.SAVE.4CU ( ) and let them know you re a credit union member. Ask to be a part of the NACUC_ZZM Corporate ID to save Click Visit your nearest Sprint store Visit FTFCU Online! For rates, updates, directions, games and more visit our website: Check us out on Facebook ge!) (can access via the link on our homepa ftfcu), too and MySpace ( today! and become a Fan and/or Friend

3 Now & Later Holiday Loan Celebrate now and pay back next year! Plus NO PAYMENTS TILL SPRING! 1 A Now & Later Holiday Loan from Franklin Trust will help you cover your holiday expenses for just about anything you need. Borrow now to set your plans in motion and MAKE NO PAYMENTS UNTIL SPRING! HOLIDAY LOAN SPECIAL Open a Holiday Club with Payroll Deduction or Direct Deposit and Take 1/2 Percent OFF Your Rate! Term With Holiday Club Without Holiday Club 12 Months % APR % APR 2 24 Months % APR % APR 2 Available through December 31, 2010 Contact us online at Or apply with our 24-hour Loan Line at (860) Or visit any of our offices. 1First payment due March 31, APR = Annual Percentage Rate. Rates and terms subject to change without notice. Rates shown are for Club 75 Platinum level members; rates for other members will be higher. Rates quoted are with Payroll Deduction; 2% higher without Payroll Deduction. For every $1,000 borrowed at 9.49% APR for 12 months, the monthly payment would be approximately $ Equal Opportunity Lender. Auto Loans as low as 3.75 % APR 1,2 SPECIAL REFINANCE OFFERS Refinance loans from another financial institution with us and receive cash: $300 PAID ON A HOME EQUITY LOAN ($50,000 or more) $200 PAID ON AN AUTO LOAN ($20,000 or more) $100 PAID ON AN AUTO LOAN ($10,000 or more) HOME EQUITY LOANS as low as 4.75 % Home Equity LINES OF CREDIT available, too! Call for details! APR 1,2 Heating Helper Loans as low as 8.99 % APR 1,2 VISA Card TRAVELING? Don t forget to take your Franklin Trust VISA Card with you! Don t have one? Sign up today to receive our special introductory rate! Current Franklin Trust VISA Cardholders: Transfer $2,500 minimum from another lender to your FTFCU VISA account to receive our special rate! Don t Get Ripped-Off! Say NO to payday lenders! If you need cash, see FTFCU! Better Rates + Better Service = Better Deal! S P E C I A L V I S A INTRODUCTORY & BALANCE TRANSFER RATE: 4.75 % with payroll deduction, APR 1 2% higher without payroll deduction. Offer good for first 9 months! VISA CREDIT CARD RATE As 9.9 % Low As (Contact us for details!) APR 1 1 APR = Annual Percentage Rate. 2 Rate shown is for Club 75 Platinum level members; rate for other members will be higher. All rates are subject to change. Auto Loan, Heating Helper & VISA rates are based on payments made through Payroll Deduction. Please call our Loan Dept. at (860) , ext. 107, 114, 203 or 204 for updates and information. Preferred Checking : Totally FREE! H NO minimum balance. H NO monthly service charge. H NO per-check charges. H FREE online statements. H FREE check images online. H Unlimited debit card use. We even pay for your check reorders! All this and more when you have Direct Deposit of your net check to FTFCU. If your checking account isn t with us, make the switch today and save! Looking for a Pay Day Loan? See us for a Qwik Ca$h loan! Our Qwik Ca$h loan will save you money compared to others Pay Day Loans! Loans range from $200 - $1,000, with terms up to six months. For details, please call our Loan Department at (860) ext. 107, 114, 203 or 204.

4 Club 75 NetTeller & Bill Payer: 24/7 Online Convenience! NetTeller is our free online Bill Payer allows you to pay banking service. It allows you your bills online, saving to look up your balances, make postage costs, as well as time. transfers, print cleared check You control the timing and images and much more amount of your payments. from anywhere that you have Bill Payer is free with Direct internet access! Deposit, otherwise there is a small monthly fee. For more information about these user-friendly services, call us at (860) x 110. Mortgage Lending... Online with Low Rates! Franklin Trust now provides complete mortgage services through our partnership with Mortgage Markets CUSO. Whether you are buying a home for the first time or refinancing your current home, our website will guide you through an easy and quick step-by-step process to get your loan approved. Simply log on to and click on Mortgage on our homepage. Questions? Please call us at (860) , ext Club 75 was introduced last year, in conjunction with our 75th Anniversary celebration. Members-owners can earn up to.75% added to their new certificate rate and/or up to.75% deducted from their new loan rate (VISA, HELOC & Overdraft Protection excluded), as well as enjoy free or discounted rates on many items, including VISA gift cards, safe deposit boxes, money orders, traveler s checks, and GAP Insurance. Club 75 points are automatically awarded according to the Franklin Trust products and services you use. Maximum benefits are attained when you reach 75 points, which is our Platinum level. For details or to check your Club 75 level, visit any of our offices or call us at (860) , ext Health Savings Account For added flexibility and control over your health care costs, open a Health Savings Account (HSA). Included among the many benefits of having an HSA are your ability to deduct your contributions, your earnings accumulating on a tax-deferred basis, and distributions being tax-free if they are used for qualified medical expenses. In addition, you can contribute at any time, with your balance rolling over from year to year, and you can take your account with you, regardless of job changes. For more information, stop by any FTFCU office or call us at (860) , ext. 110.

5 Thank You! TELL US YOUR THOUGHTS We always welcome ideas of ways that we could improve our credit union. Please use the Suggestion Boxes in any of our offices or your comments directly to our President, Kiernan J. Dubay, at Downtown Hartford Office Be sure to stop by our newest full-service office when you re in downtown Hartford. Located at 277 Asylum Street, adjacent to High School Inc. and just a block away from the XL Center, it features a café with free internet access, free coffee, as well as a large-screen monitor carrying current financial news. An ATM is on-site that is available 24/7. For a complete listing of all offices and hours of operation, please see the back of this newsletter. As we celebrate this holiday season, we extend a heartfelt Thank You to all our member-owners for your business and continued faith in us! You are the reason that we exist. For over 76 years, Franklin Trust has been a stable, dependable and trustworthy financial institution. No member-owner has ever lost a penny of insured savings with us. You can count on us to be here for you and your family in the coming years, continuing to provide world-class service for all your financial needs. FTFCU Membership: LIFETIME BENEFITS If you leave your job or move away, always keep your Franklin Trust membership. You can easily access your accounts online via NetTeller (just log on to: and click on NetTeller ), by phone, fax, mail, and at over 4,100 credit union service centers nationwide (locate at: By maintaining your membership, you ll have the ability to compare our products and services with others and choose what s best for you! Once a Member, Always a Member an important benefit of your membership in FTFCU! Employee Spotlight Dawn Malave Dawn Malave started working at Franklin Trust FCU back on October 8, Initially a teller, she has progressed up the company s organizational chart, becoming a Loan Processor, then a Loan Officer, then Operations Manager. On October 6, 2010, Dawn received a new title: Vice President, Operations. Her office is at FTFCU s Franklin Avenue location. What has kept Dawn at Franklin Trust all these years? I just enjoy working here, she says. We have a great staff and a lot of wonderful members. It s a nice feeling knowing that you are helping others achieve their financial goals. When not at the credit union, Dawn likes doing crossword puzzles and spending time with her family, which includes children Gage, Caden, and Amaya, along with Dale, her significant other. They are the loves of her life. Please join with us in congratulating Dawn on her new position!

6 Franklin Trust Federal Credit Union Main Office 632 Franklin Avenue Hartford, CT Serving Our Member-Owners Since 1934 Earn $300 CASH OR MORE! REFINANCE WITH US! (Details inside!) Also visit us at West Hartford Office 927 Farmington Avenue (near Blue Back Square) Downtown Hartford Office 277 Asylum Street (at High School, Inc.) Upcoming Holiday Schedule Member Services VETERAN S DAY Closed Thursday, November 11 THANKSGIVING HOLIDAY Closed Thursday, November 25 through Sunday, November 28 CHRISTMAS HOLIDAY Closed Friday, December 24 through Sunday, December 26 NEW YEAR S HOLIDAY Closed Friday, December 31, 2010 through Sunday, January 2, 2011 THREE KINGS DAY Closed Thursday, January 6 MARTIN LUTHER KING, JR. DAY Closed Monday, January 17 PRESIDENTS DAY Closed Monday, February 21 GOOD FRIDAY & EASTER HOLIDAY Closed Friday, April 22 through Sunday, April 24 SAVINGS Share Savings Accounts Checking Accounts Gold Star Money Market Accounts Term Share Certificates Individual Retirement Accounts (IRAs) Christmas/Holiday Club Accounts Vacation Club Accounts Health Savings Accounts Coverdell Education Savings Accounts Youth Accounts March Club Summer FUNd Club VISA Club Accounts LOANS Home Equity Home Equity Line of Credit Mortgages Automobile Personal Lifestyle Heating Helper Qwik Cash Overdraft Protection Quinceanera ADDITIONAL SERVICES Direct Deposit of Net Check Payroll Deduction NetTeller Internet Banking Shared Service Centers FRED Franklin Remote Electronic Deposit On-Line Bill Payer VISA Classic, Gold & Platinum VISA Debit Card VISA Gift Card E-Statements Audio Response Check Images Online Safe Deposit Boxes Drive-Up Windows Electronic Rates Boards Kiosks Identity Theft Protection Night Deposit Boxes Accident and Health Insurance Life Insurance on Loans Long-Term Care Insurance Temporary Disability Insurance Traveler s Checks Financial Counseling Free Notary Service to Members Contact Us MAIN OFFICE 632 Franklin Avenue, Hartford, CT Mon., Tues., Fri.: 7:00 a.m. - 4:30 p.m. Wed.: 10:00 a.m. - 1:00 p.m. Thursday: 7:00 a.m. - 7:00 p.m. Saturday: 9:00 a.m. - 12:00 noon Sunday: 1:00 p.m. - 4:00 p.m. WEST HARTFORD OFFICE 927 Farmington Avenue, West Hartford, CT Mon., Tues., Thurs., Fri.: 9:00 a.m. - 4:30 p.m. Wed.: 10:00 a.m. - 1:00 p.m. DOWNTOWN HARTFORD OFFICE 277 Asylum Street, Hartford, CT Mon. & Wed.: 10 a.m. - 1 p.m. Fri.: 10 a.m. - 3 p.m. Phone: (860) Fax: (860) The following branches are active when school is in session (for students, staff & employees only): BULKELEY HIGH SCHOOL BRANCH 300 Wethersfield Avenue, Hartford, CT Tues. & Thurs.: 9:00 a.m. - 12:00 p.m. HARTFORD PUBLIC HIGH SCHOOL BRANCH 55 Forest Street, Hartford, CT Tues. & Thurs.: 1:00 p.m. - 4:00 p.m. General Information: (860) Loan Dept. Extensions: 107, 114, 203 & 204 Audio Response Extension: 1 Toll-Free: (866) Fax: (860) ftfcu@franklintrust.org Website: Facebook: Franklin Trust Federal Credit Union MySpace: Shared Service Centers Locator: Surcharge-Free ATM Locations: