Make a fresh start
If the most wonderful time of the year leaves you with not only happy memories but a mailbox full of holiday bills, consolidate your high-interest payments with a personal loan from Albertsons Employees' Federal Credit Union. With our personal loan, you can eliminate all of your credit card debt, and make a fresh start with only one payment each month.

Simply gather up all of your high-interest bills and determine the amount you need. Use the handy calculator on CU OnLine to determine your monthly payment amount and payoff term. Then, contact your AEFCU Branch to apply. 		  With the help of Albertsons Employees' Federal Credit Union, you can make all of those high-interest holiday bills disappear.

Imagine the money you'll save in interest alone! Contact the Credit Union for your fresh start today.

Know your network
Your Automated Teller Machine/Point-Of-Sale/Debit Card is a convenience you should be using every day. Just like Direct Deposit of your paycheck, it makes your financial business more convenient. Do you know which retailers accept your Albertsons Employees' Federal Crexit Union ATM/POS/Debit Card? There are three easy ways to find out:  
  1. Look for the STAR® network symbol.
  2. Look for the MasterCard® sign.
  3. Use the retail locator on our Web site.


Your card is accepted at any retailer that accepts MasterCard or any cards from the STAR Network. To locate the retailer nearest you, simply visit our Web site at www.albertsonsempfcu.com, and use your retail locator.

Your ATM/POS/Debit Card accesses your checking account without you having to write out checks. Make sure the convenience of the credit union is working for you.

Mark your calendar for the Annual Meeting
On Thursday, March 18, 2004. AEFCU will host our Annual Meeting. Join us at 5:30 p.m. in Boise, Idaho at the Holiday Inn.


Savings

BRANCHES

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

3305 Lake Breeze
Orlando, FL 32808
(407) 292-2006
Fax: (407) 292-2520

1327 Brown Trail
Bedford, TX 76022
(817) 285-8292
Metro Line: (817) 268-6710
Fax: (817) 285-7053

341 E Imperial Highway
Fullerton, CA 92835
(714) 738-4681
Fax: (714) 870-6408

BOARD OF DIRECTORS

Bob Baker, Chairman
Bill Carter, Vice Chairman
Mike Shalz, Treasurer
Lary Matthews, Secretary
Cynthia Forsch, Member
Doug Gibson, Member
Gary Morton, Member
Pradip Mehta, Member
Kevan Fenderson, Member

MANAGEMENT STAFF

Phyllis Thomason, President and Chief Executive Officer
Michael S. Vickery, Senior Vice President and Chief Operating Officer
Theresa Koenen, Loan Manager
Ann Cargile, Loan Servicing Supervisor
Chris Demaray, Manager, Member Services and Human Resources
Bonnie Kuhl, Card Services Supervisor
Stacey Devereaux, Manager, Accounting and Electronic Services
Leo Francis, Manager, Branch Operations and Regulatory Compliance
Clem Godin, Orlando Branch Manager
Tanya Brumfield, Dallas/Fort Worth Branch Manager
Laura Sotelo, Los Angeles Branch Manager

FINANCIAL HIGHLIGHTS

(as of October 2003)
Members 46,325
Shares $152,415,642
Loans $75,605,943
Total Assets $181,965,814

protection increased
Albertsons Employees' Federal Credit Union is pleased to announce that member share savings accounts are protected up to $350,000 through a combination of government and private insurance. This coverage is automatic, and there is no action required on your part. Accounts were always protected up to $100,000 by the National Credit Union Administration (NCUA), a U.S. Government agency. Your Credit Union also provides an additional $250,000 of protection per member through Excess Share Insurance (ESI), a private deposit insurer.

ESI is a wholly owned subsidiary of ASI, the nation's largest private deposit insurer. They insure only credit unions that meet strict underwriting requirements and high standards of performance. 		  Individual Retirement Accounts are insured seperately, so each memeber can be insured up to a total of $700,000. With this additional coverage, you can keep more of your savings in one place, rather than maintaining accounts at several financial institutions.

Rest assured your funds are well protected in Albertsons Employees' Federal Credit Union. A combination of government and private insurance gives you the best coverage available.

Direct Deposit makes life easier
If you want the convenience of the credit union to work for you, sign up for Direct Deposit. When you sign up for Direct Deposit, you won't have to spend your spare time waiting in line to deposit your paycheck -- it's automatically done for you!

Direct Deposit is safe, secure and easy. You can deposit the entire check, or just a specific portion of your money, into the account of your choice. Even if you are not currently employed by Albertsons, Inc., Direct Deposit may be available to you through the Automated Clearinghouse (ACH) System. Speak to your employer to see if they offer this option.
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 with your attorney, accountant, or financial or tax advisor with regard to your individual situation. Entire publication © Albertsons Employees' Federal Credit Union 2003. All rights reserved.
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