As a member of the Credit Union, you are part of a larger whole. If you have retired from Albertsons, moved, or even taken another job, you are still granted the privileges of membership in our organization. Our members are the focus of our efforts and the reason we exist. Just look at some of the benefits of membership in your Credit Union:

• Our fees are significantly lower than other financial institutions
• As a not-for-profit organization, we can pay higher rates on savings accounts and offer lower rates on consumer loans
• No matter the balance in your account, you have an equal voice in how your credit union is run
• Credit Unions are operated to serve the financial needs of people in all income brackets
• Credit Unions want to educate their members for a better financial future

Don't let your valuable membership slip through your fingers. Let Albertsons Employees' Federal Credit Union take care of your family's financial needs. You deserve the best we can offer, for life!

This is how it works: The merchant runs a check, provided by the purchaser, through an electronic scanner. The scanner captures the bank account data and the check's serial number. The check is then returned to the customer stamped "VOID."

POP check conversion works exactly like a check--the money is removed from your share draft account--but it's more convenient and secure than paper transactions.

The rate of identity theft has skyrocketed in the past few years. Protecting your name and good credit from fraud is a new task we all have to undertake. With good intentions, some members have not signed their ATM or credit cards from Albertsons Employees' Federal Credit Union. They believe that putting the words "see ID" in the signature block will protect them from fraud but this is simply not true.

It is very important that you sign the back of your ATM or credit card in permanent ink as soon as you receive it. There is no protection offered against fraud by not signing. Without a signature the card is invalid. A thief who steals your card with "see ID" in the signature block simply has to make an inexpensive purchase from a shady ID dealer, and your account is his.

With all the convenience that credit and ATM cards offer, you have to be careful about how you use them. Make sure you've signed your name on the back of all your cards and make sure you're getting the best deal, as well.

For example, an Albertsons Employees' Federal Credit Union no-annual-fee VISA® card offers a 1% rebate on all your purchases. That's a real bonus when the holidays roll around. Simply fill out an application, available at your local Credit Union branch or at your store, to start enjoying the purchasing power and conveneience of VISA.

Whether you use a Credit Union VISA or a Credit Union ATM card, be sure to protect yourself against fraud by signing the back of the card where indicated. Your good name rests in your hands.

BRANCHES

Boise Branch Office
P.O. Box 8145
Boise, ID 83707
(208) 385-5200
Fax:(208) 385-5290

BOARD OF DIRECTORS

MANAGEMENT STAFF

FINANCIAL HIGHLIGHTS
          (as of July 2001)

Members.....................46,525
Shares...............$116,993,354
Loans..................$75,443,399
Total Assets.....$141,503,331

The articles and opinions in this publication are for general information only and are not intended to provide specific advice or recommendations for any individual.  We suggest that you consult your attorney, accountant, or financial or tax advisor with regard to your individual situation.  Entire publication ©Albertsons Employees' Federal Credit Union 2001.  All rights reserved.