4 1

L O C A T I O N SThalia Branch

4164 Virginia Beach Blvd.Virginia Beach, VA 23452

LoBBy & Drive Thru hours

Mon. - Thurs. 9am - 5pmFri. & City Paydays 9am - 5:30pm

Courthouse Marketplace Branch2476 Nimmo Parkway, Suite 122

Virginia Beach, VA 23456

LoBBy hours

Mon. - Fri. 9am - 5:30pm Sat. 9am - 12pm

Mortgage Lending servicesDrive-Thru & ATM

2501 Courthouse DriveVirginia Beach, VA 23456

MorTgAge DepArTMenT hours

Mon. - Fri. 9am - 5pm

Drive-Thru hours

Mon. - Fri. 8:30am - 5:30pm

WeBwww.beachmunicipal.org

iMporTAnT phone nuMBersMain: 757.333.7787

Main Fax: 757.333.7868

p.A.T. (phone Audio Teller)1.800.391.9007

BoArD oF DireCTorsNianza Wallace

Chairperson

Kevin CartinoVice Chairperson

Bill SiverdSecretary

Robert W. HallTreasurer

Kathryn (Kitty) HillBoard Member

William (Bill) MeadorBoard Member

Lois RitgerBoard Member

supervisory CoMMiTTeesupervisorycomm@beachmunicipal.org

Chairperson, Bob Hayes Secretary, Rusty Bedard

Member, Cheryl Kraemer Member, Sharon Prescott

ChieF eXeCuTive oFFiCer Kimberly Shore

A PUBLICATION OF BEACH MUNICIPAL

FEDERAL CREDIT UNIONFall 2008

51035-Q3NL-0908

Beach Municipal Earns 5-StarS!Beach Municipal Federal Credit Union is pleased to announce we have once again earned Bauer Financial’s highest rating ~ 5-Stars!

Bauer Financial, Inc., the nation’s leading independent bank and credit union

rating and research firm, has been analyzing and reporting on the financial

condition of the nation's banking industry since 1983. No financial institution

pays for its rating, nor can they avoid being evaluated.

The 5-Star rating is based on the financial condition of

the credit union and indicates that Beach Municipal is

one of the strongest credit unions in the country.

"Beach Municipal FCU’s ability to earn our 5-Star Superior

rating speaks to its strength, stability and longevity," said Karen

L. Dorway, president of the research firm. "In an environment

where financial institutions are struggling with loan quality and

delinquencies, it is an honor and a pleasure to recognize Beach

Municipal FCU and the values it represents."

Beach Municipal takes seriously our commitment to you, our members, to meet and

exceed all your expectations. As always, we thank you for your membership and for placing

your financial trust in us. We pledge to continue to earn your confidence.

Beach Municipal Federal Credit Union is owned by its members and is operated under the

direction of a volunteer board of directors you elect. You can be confident that your financial

privacy is a top priority of this credit union. We are required by law to give you this privacy

notice to explain how we collect, use, and safeguard your personal financial information. If you

have any questions, please contact a Member Service Representative at 757.333.7787.

We are committed to providing you with competitive products and services to meet your financial

needs. This necessitates that we share information about you to complete your transactions

and to provide you with certain financial opportunities. In order to do so, we have entered into

agreements with other companies such as data processors, check printers, credit union service

organizations, and credit union insurance companies that provide either services or additional

financial products to us for you to consider.

Information We Collect and Disclose About YouWe collect the following nonpublic personal information about you from the following sources:

n Information you give us on applications or other forms

n Information about your transactions with us

n Information about your transactions with other parties

n Information obtained when verifying the information you provide on an application or

other form(s)

n Information from a consumer reporting agency

We may disclose all the information we collect to companies with which we have joint

marketing agreements that assist us in delivering products and services that meet or exceed your

expectations. To protect our members’ privacy, we only work with companies that agree to

maintain strong confidentiality protections and limit the use of information we provide. We do not

permit these companies to sell the information we provide to them to other third parties.

We may also disclose information we collect about you under other circumstances as permitted

or required by law. These disclosures typically include information to process and service

transactions on your behalf, conduct the operations of our credit union, follow your instructions

as you authorize, or protect the security of our financial records. Beach Municipal Federal Credit

Union does not and will not sell your personal information to third parties.

If you terminate your membership with Beach Municipal Federal Credit Union, we will not share

information we have collected about you, except as permitted or required by law.

How We Protect Your InformationWe restrict access to nonpublic personal information about you to those employees who have

a specific business purpose in utilizing your data. Our employees are trained in the importance

of maintaining confidentiality and member privacy. We maintain physical, electronic, and

procedural safeguards that comply with federal regulations and leading industry practices to

safeguard your nonpublic personal information.

What You Can Do To Helpn Protect your account numbers, card numbers, PINs (Personal Identification Numbers) and

passwords. Never keep your PIN with your ATM, debit or credit card, for doing so can

provide complete access to your accounts if your card is lost or stolen.

n Use caution when disclosing your account numbers, social security numbers, etc. to any person

or entity. If an unknown person calls you, explains that the call is on behalf of Beach Municipal

Federal Credit Union and asks for your account number, be aware! Only official credit union

staff will have access to your information and will rarely need to ask for it.

n Keep your information with us current. It is important that we have current information on how

to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account,

we will attempt to contact you immediately. If your address or phone number changes, please

let us know.

n If you have any questions, please do not hesitate to call us.

We are here to serve our members and protect your privacy.

Beach Municipal Federal Credit Union PRIVACY NOTICE

My Credit Union: It Belongs to MeInternational Credit Union Day

October 16, 2008More than 170 million members in 97 countries belong to thousands of credit unions just like Beach Municipal.

Through their loyalty and pride in ownership, members demonstrate the true cooperative spirit of the credit union movement. To honor that spirit, for the past 60 years, ICU Day has been celebrated on the third Thursday of October. The day is set aside to reflect upon the credit union movement’s history and to promote its achievements. The ultimate goal is to raise awareness about the great work that credit unions are doing and give members the opportunity to get more involved.

Join members worldwide in celebrating our accomplished history, our shared values, and our bright future on International Credit Union Day!

From October 14th to October 18th, if you refer a new

member to us you will be entered into a drawing to win

a $100.00 VISa Gift Card!

The drawing will be held on October 20th and members do not need to be present to win. Please visit our website for full details.

Introducing Youth Share Certificates!Hey parents, Long John Saver has a new Youth Share Certificate* just in time

for the holidays!

n Available in the amount of $50.00 and $100.00 only

n 10% APY**

n 60-months

n Limit of ten Youth Share Certificates per member

n Member must have a Long John Saver or Pipeline

account to qualify

Share certificates are a great way to teach your children the

importance of saving and a hands-on lesson on how interest can

make their money grow.

Give the gift of a Beach Municipal Youth Share Certificate this

holiday season!

* Please see us for full details. ** APY = Annual Percentage Yield.

32

Make Your Vote Count!As a member of Beach Municipal, your vote is what makes you an equal partner in guiding and

directing your credit union. The following details the election process and provides information

regarding the Annual Meeting. All members are invited to attend, so please mark your calendars

and join us.

2008 Board of Directors Election & Annual Meeting1. The Nominating Committee has submitted nominations for three (3) seats for the Board of

Directors. Nominations for vacancies may also be made by any member at least eighteen

(18) years of age filing a written Petition containing signatures of at least 127 members (one

(1) percent of membership), a statement of qualifications and a signed statement agreeing to

serve if elected with the Secretary of the Board of Directors, Bill Siverd, no later than 5pm,

October 31, 2008.

2. When there is only one nominee for each position to be filled, the election will not be

conducted by ballot and there will be no nominations from the floor. If sufficient nominations

are made by the nominating committee or by petition to provide more than one nominee

for any position, ballots will be distributed to all members eligible to vote. To be eligible,

members must be at least sixteen (16) years of age.

3. Election to the Board of Directors shall be determined by plurality of vote. Voting will be

conducted by ballot box.

4. Ballots may be cast from 9am, Monday, November 24, 2008 until 5pm, Tuesday,

December 2, 2008.

5. Eligible members may also vote at the Annual Meeting if they have not previously cast a

ballot. Nominations from the floor are not permitted at the Annual Meeting.

6. The Election results will be announced during the 2008 Annual Meeting.

7. The 2008 Annual Meeting will be held at 6pm, Wednesday, December 10, 2008, at the

Thalia Branch office located at 4164 Virginia Beach Blvd.

Nominating Committee Members: Nianza Wallace, Robert W. Hall and Leigh Kovacs

Terms Expiring: Kevin Cartino, Kitty Hill and Lois Ritger

Nominations Made by the Committee: Kevin Cartino (incumbent), Kitty Hill (incumbent) and

Lois Ritger (incumbent)

BEACH MUNICIPAL FEDERAL CREDIT UNIONBOARD OF DIRECTORS – 2008 ELECTION

QUALIFICATIONS AND BIOGRAPHICAL INFORMATION

KEvIN G. CARTINOMr. Cartino, a long time member, began serving on Beach Municipal Federal Credit Union’s

Board of Directors in 2005 and currently serves as the Vice Chairman. He began his career

with the Virginia Beach Police Department in 1976 and later earned a B.A. in Criminology from

St. Leo University. After retiring as a Detective, he worked part-time for the Virginia Beach

Sheriff’s Department. Mr. Cartino has additionally served his community as a Counselor for the

organization Street Law and as a mentor at Birdneck Elementary.

KATHRyN (KITTy) B. HILL Ms. Hill retired from the Virginia Beach Department of Human Services after 33 years of service.

Prior to that, she worked as a Counselor at what was then called Child and Family Services of

South Hampton Roads. Ms. Hill has also served as the Chair of the Social Work Advisory Board for

Norfolk State University, has been a member of and Chair of an Allocation Panel for the United Way

of South Hampton Roads, was President of the Virginia State Chapter of the National Association

of Social Work and currently serves on the Public Health Advisory Board. Ms. Hill, who earned a

B.S. degree from Hampton University and a Masters in Social Work from Clark Atlanta University,

has been a member of the credit union since 1972 and a member of the Board since 2005.

LOIS M. DALTON RITGERMs. Ritger has been a member of Beach Municipal Federal Credit Union since 1976 and a

member of the Board of Directors since 2005. In addition to her employment as a Records

Management Specialist, she serves for the Virginia Association of Government Archivists

and Record Administrators (VAGARA) and Kempsville High School’s Class of 1973 Reunion

Committee. She is also currently enrolled as a student at Tidewater Community College,

Virginia Beach Campus.

Give the Gift that’s AlwaysRightWorried about finding the perfect gifts

for your family, friends and hard to buy

for people in your life? Now you can

stop worrying and start relaxing when

you choose to give a prepaid Visa Gift

Card! With VISA Gift Cards, you’ll

enjoy worry-free, hassle-free, stress-free

gift buying!

Right choice – every time! When you choose VISA Gift Cards,

you’ll have the confidence that your

gift is exactly what your friends and

family want. It’s always the right

color, right size, right style, right

choice – every time!

Flexibility. Unlike store gift cards and

gift certificates, our prepaid VISA Gift

Card can be used to make purchases at

retail stores, by phone or online anywhere

VISA Debit cards are accepted.

Fun, festive designs! You can

choose from a variety of fun, festive

card designs to meet ALL your

gift-giving occasions.

You choose the amount. VISA

Gift cards are available in any amount

from $10 to $500.

It’s safer than cash. If your card

is lost or stolen, the unused portion

can be replaced.

VISA Gift Cards may be purchased

for a small fee of $2 per card at the

Courthouse Marketplace and Thalia

branches. To learn more about the

prepaid VISA Gift Card, please visit

beachmunicipal.org/giftcard.

Give the perfect gift every time… give VISA Gift Cards this holiday season or for

any occasion!

Give Yourself a Pre-Holiday Raise!With all those holiday expenses on

the horizon, consider giving yourself a

raise today! How? By refinancing your

auto loan at another lender with Beach

Municipal Federal Credit Union!

Refinancing may save you hundreds

of dollars in interest over the life of

your loan and reduce your monthly

payments…keeping more money in

your pockets! Think of all the things

you can do with that extra cash—pay

bills, do some holiday shopping, even

take an unplanned vacation.

Ready to see how much extra cash

you could save? Apply today online,

by phone or in-person.

Holiday ClosingsBeach Municipal Federal Credit

Union will be closed in observance

of the following holidays:

CoLuMBus DAy

Monday, October 13th

veTerAns’ DAy

Tuesday, November 11th

ThAnksgiving

Thursday, November 27th

ChrisTMAs

Thursday, December 25th

neW yeAr’s DAy

Thursday, January 1st

Go Green with eStatements!Did you know that electronic delivery of your account statement is available via eStatements?

Delivered quickly, securely and electronically, eStatements are also environmentally friendly

because they reduce paper and envelope output. To maximize the environmental benefit of

eStatements, log on to your Virtual Branch account, click the eStatements link and sign up to

receive your statements electronically.

Don’t yet have a Virtual Branch account? Contact a Member Services Coordinator and begin

taking advantage of this no-fee service.

For more information, please visit beachmunicipal.org/estatements.

When Times Are Tough…in tough times, it’s more important than ever to

develop and maintain good financial habits.

Start Early. Time is your ally in building a rainy day fund so start today.

Imagine how much you’d have saved up if you started 10 years

ago. Start your children off on the right path. Our Long John Saver

and Pipeline accounts are an excellent way to pass financial

know-how on to your children.

Pay Yourself First. Make saving a regular part of your financial routine.

Set up a payroll deduction directly into your savings account and

watch the balance grow.

Refinance Loans. You may save money by reducing the amount you pay

each month and/or paying at a lower interest rate. Speak with a

Loan Officer to explore your options.

Participate in Employer Sponsored Plans. Make pre-tax contributions

to your employer’s 401(k) plan. If your employer offers a matching

contribution, you’re essentially getting free money!

Monitor Your Progress. Regularly review your savings progress.

Check to see if you’re on track and seek trusted financial advice

if you’re not.

remember, it’s never too early or too late to get started!

iMporTAnT noTiCe

Effective November 1, 2008, the minimum daily balance necessary to earn a dividend on you Share Draft Account will be $500.00. All dividends will be

credited to your Share Savings Account (01).

32

Make Your Vote Count!As a member of Beach Municipal, your vote is what makes you an equal partner in guiding and

directing your credit union. The following details the election process and provides information

regarding the Annual Meeting. All members are invited to attend, so please mark your calendars

and join us.

2008 Board of Directors Election & Annual Meeting1. The Nominating Committee has submitted nominations for three (3) seats for the Board of

Directors. Nominations for vacancies may also be made by any member at least eighteen

(18) years of age filing a written Petition containing signatures of at least 127 members (one

(1) percent of membership), a statement of qualifications and a signed statement agreeing to

serve if elected with the Secretary of the Board of Directors, Bill Siverd, no later than 5pm,

October 31, 2008.

2. When there is only one nominee for each position to be filled, the election will not be

conducted by ballot and there will be no nominations from the floor. If sufficient nominations

are made by the nominating committee or by petition to provide more than one nominee

for any position, ballots will be distributed to all members eligible to vote. To be eligible,

members must be at least sixteen (16) years of age.

3. Election to the Board of Directors shall be determined by plurality of vote. Voting will be

conducted by ballot box.

4. Ballots may be cast from 9am, Monday, November 24, 2008 until 5pm, Tuesday,

December 2, 2008.

5. Eligible members may also vote at the Annual Meeting if they have not previously cast a

ballot. Nominations from the floor are not permitted at the Annual Meeting.

6. The Election results will be announced during the 2008 Annual Meeting.

7. The 2008 Annual Meeting will be held at 6pm, Wednesday, December 10, 2008, at the

Thalia Branch office located at 4164 Virginia Beach Blvd.

Nominating Committee Members: Nianza Wallace, Robert W. Hall and Leigh Kovacs

Terms Expiring: Kevin Cartino, Kitty Hill and Lois Ritger

Nominations Made by the Committee: Kevin Cartino (incumbent), Kitty Hill (incumbent) and

Lois Ritger (incumbent)

BEACH MUNICIPAL FEDERAL CREDIT UNIONBOARD OF DIRECTORS – 2008 ELECTION

QUALIFICATIONS AND BIOGRAPHICAL INFORMATION

KEvIN G. CARTINOMr. Cartino, a long time member, began serving on Beach Municipal Federal Credit Union’s

Board of Directors in 2005 and currently serves as the Vice Chairman. He began his career

with the Virginia Beach Police Department in 1976 and later earned a B.A. in Criminology from

St. Leo University. After retiring as a Detective, he worked part-time for the Virginia Beach

Sheriff’s Department. Mr. Cartino has additionally served his community as a Counselor for the

organization Street Law and as a mentor at Birdneck Elementary.

KATHRyN (KITTy) B. HILL Ms. Hill retired from the Virginia Beach Department of Human Services after 33 years of service.

Prior to that, she worked as a Counselor at what was then called Child and Family Services of

South Hampton Roads. Ms. Hill has also served as the Chair of the Social Work Advisory Board for

Norfolk State University, has been a member of and Chair of an Allocation Panel for the United Way

of South Hampton Roads, was President of the Virginia State Chapter of the National Association

of Social Work and currently serves on the Public Health Advisory Board. Ms. Hill, who earned a

B.S. degree from Hampton University and a Masters in Social Work from Clark Atlanta University,

has been a member of the credit union since 1972 and a member of the Board since 2005.

LOIS M. DALTON RITGERMs. Ritger has been a member of Beach Municipal Federal Credit Union since 1976 and a

member of the Board of Directors since 2005. In addition to her employment as a Records

Management Specialist, she serves for the Virginia Association of Government Archivists

and Record Administrators (VAGARA) and Kempsville High School’s Class of 1973 Reunion

Committee. She is also currently enrolled as a student at Tidewater Community College,

Virginia Beach Campus.

Give the Gift that’s AlwaysRightWorried about finding the perfect gifts

for your family, friends and hard to buy

for people in your life? Now you can

stop worrying and start relaxing when

you choose to give a prepaid Visa Gift

Card! With VISA Gift Cards, you’ll

enjoy worry-free, hassle-free, stress-free

gift buying!

Right choice – every time! When you choose VISA Gift Cards,

you’ll have the confidence that your

gift is exactly what your friends and

family want. It’s always the right

color, right size, right style, right

choice – every time!

Flexibility. Unlike store gift cards and

gift certificates, our prepaid VISA Gift

Card can be used to make purchases at

retail stores, by phone or online anywhere

VISA Debit cards are accepted.

Fun, festive designs! You can

choose from a variety of fun, festive

card designs to meet ALL your

gift-giving occasions.

You choose the amount. VISA

Gift cards are available in any amount

from $10 to $500.

It’s safer than cash. If your card

is lost or stolen, the unused portion

can be replaced.

VISA Gift Cards may be purchased

for a small fee of $2 per card at the

Courthouse Marketplace and Thalia

branches. To learn more about the

prepaid VISA Gift Card, please visit

beachmunicipal.org/giftcard.

Give the perfect gift every time… give VISA Gift Cards this holiday season or for

any occasion!

Give Yourself a Pre-Holiday Raise!With all those holiday expenses on

the horizon, consider giving yourself a

raise today! How? By refinancing your

auto loan at another lender with Beach

Municipal Federal Credit Union!

Refinancing may save you hundreds

of dollars in interest over the life of

your loan and reduce your monthly

payments…keeping more money in

your pockets! Think of all the things

you can do with that extra cash—pay

bills, do some holiday shopping, even

take an unplanned vacation.

Ready to see how much extra cash

you could save? Apply today online,

by phone or in-person.

Holiday ClosingsBeach Municipal Federal Credit

Union will be closed in observance

of the following holidays:

CoLuMBus DAy

Monday, October 13th

veTerAns’ DAy

Tuesday, November 11th

ThAnksgiving

Thursday, November 27th

ChrisTMAs

Thursday, December 25th

neW yeAr’s DAy

Thursday, January 1st

Go Green with eStatements!Did you know that electronic delivery of your account statement is available via eStatements?

Delivered quickly, securely and electronically, eStatements are also environmentally friendly

because they reduce paper and envelope output. To maximize the environmental benefit of

eStatements, log on to your Virtual Branch account, click the eStatements link and sign up to

receive your statements electronically.

Don’t yet have a Virtual Branch account? Contact a Member Services Coordinator and begin

taking advantage of this no-fee service.

For more information, please visit beachmunicipal.org/estatements.

When Times Are Tough…in tough times, it’s more important than ever to

develop and maintain good financial habits.

Start Early. Time is your ally in building a rainy day fund so start today.

Imagine how much you’d have saved up if you started 10 years

ago. Start your children off on the right path. Our Long John Saver

and Pipeline accounts are an excellent way to pass financial

know-how on to your children.

Pay Yourself First. Make saving a regular part of your financial routine.

Set up a payroll deduction directly into your savings account and

watch the balance grow.

Refinance Loans. You may save money by reducing the amount you pay

each month and/or paying at a lower interest rate. Speak with a

Loan Officer to explore your options.

Participate in Employer Sponsored Plans. Make pre-tax contributions

to your employer’s 401(k) plan. If your employer offers a matching

contribution, you’re essentially getting free money!

Monitor Your Progress. Regularly review your savings progress.

Check to see if you’re on track and seek trusted financial advice

if you’re not.

remember, it’s never too early or too late to get started!

iMporTAnT noTiCe

Effective November 1, 2008, the minimum daily balance necessary to earn a dividend on you Share Draft Account will be $500.00. All dividends will be

credited to your Share Savings Account (01).

4 1

L O C A T I O N SThalia Branch

4164 Virginia Beach Blvd.Virginia Beach, VA 23452

LoBBy & Drive Thru hours

Mon. - Thurs. 9am - 5pmFri. & City Paydays 9am - 5:30pm

Courthouse Marketplace Branch2476 Nimmo Parkway, Suite 122

Virginia Beach, VA 23456

LoBBy hours

Mon. - Fri. 9am - 5:30pm Sat. 9am - 12pm

Mortgage Lending servicesDrive-Thru & ATM

2501 Courthouse DriveVirginia Beach, VA 23456

MorTgAge DepArTMenT hours

Mon. - Fri. 9am - 5pm

Drive-Thru hours

Mon. - Fri. 8:30am - 5:30pm

WeBwww.beachmunicipal.org

iMporTAnT phone nuMBersMain: 757.333.7787

Main Fax: 757.333.7868

p.A.T. (phone Audio Teller)1.800.391.9007

BoArD oF DireCTorsNianza Wallace

Chairperson

Kevin CartinoVice Chairperson

Bill SiverdSecretary

Robert W. HallTreasurer

Kathryn (Kitty) HillBoard Member

William (Bill) MeadorBoard Member

Lois RitgerBoard Member

supervisory CoMMiTTeesupervisorycomm@beachmunicipal.org

Chairperson, Bob Hayes Secretary, Rusty Bedard

Member, Cheryl Kraemer Member, Sharon Prescott

ChieF eXeCuTive oFFiCer Kimberly Shore

A PUBLICATION OF BEACH MUNICIPAL

FEDERAL CREDIT UNIONFall 2008

51035-Q3NL-0908

Beach Municipal Earns 5-StarS!Beach Municipal Federal Credit Union is pleased to announce we have once again earned Bauer Financial’s highest rating ~ 5-Stars!

Bauer Financial, Inc., the nation’s leading independent bank and credit union

rating and research firm, has been analyzing and reporting on the financial

condition of the nation's banking industry since 1983. No financial institution

pays for its rating, nor can they avoid being evaluated.

The 5-Star rating is based on the financial condition of

the credit union and indicates that Beach Municipal is

one of the strongest credit unions in the country.

"Beach Municipal FCU’s ability to earn our 5-Star Superior

rating speaks to its strength, stability and longevity," said Karen

L. Dorway, president of the research firm. "In an environment

where financial institutions are struggling with loan quality and

delinquencies, it is an honor and a pleasure to recognize Beach

Municipal FCU and the values it represents."

Beach Municipal takes seriously our commitment to you, our members, to meet and

exceed all your expectations. As always, we thank you for your membership and for placing

your financial trust in us. We pledge to continue to earn your confidence.

Beach Municipal Federal Credit Union is owned by its members and is operated under the

direction of a volunteer board of directors you elect. You can be confident that your financial

privacy is a top priority of this credit union. We are required by law to give you this privacy

notice to explain how we collect, use, and safeguard your personal financial information. If you

have any questions, please contact a Member Service Representative at 757.333.7787.

We are committed to providing you with competitive products and services to meet your financial

needs. This necessitates that we share information about you to complete your transactions

and to provide you with certain financial opportunities. In order to do so, we have entered into

agreements with other companies such as data processors, check printers, credit union service

organizations, and credit union insurance companies that provide either services or additional

financial products to us for you to consider.

Information We Collect and Disclose About YouWe collect the following nonpublic personal information about you from the following sources:

n Information you give us on applications or other forms

n Information about your transactions with us

n Information about your transactions with other parties

n Information obtained when verifying the information you provide on an application or

other form(s)

n Information from a consumer reporting agency

We may disclose all the information we collect to companies with which we have joint

marketing agreements that assist us in delivering products and services that meet or exceed your

expectations. To protect our members’ privacy, we only work with companies that agree to

maintain strong confidentiality protections and limit the use of information we provide. We do not

permit these companies to sell the information we provide to them to other third parties.

We may also disclose information we collect about you under other circumstances as permitted

or required by law. These disclosures typically include information to process and service

transactions on your behalf, conduct the operations of our credit union, follow your instructions

as you authorize, or protect the security of our financial records. Beach Municipal Federal Credit

Union does not and will not sell your personal information to third parties.

If you terminate your membership with Beach Municipal Federal Credit Union, we will not share

information we have collected about you, except as permitted or required by law.

How We Protect Your InformationWe restrict access to nonpublic personal information about you to those employees who have

a specific business purpose in utilizing your data. Our employees are trained in the importance

of maintaining confidentiality and member privacy. We maintain physical, electronic, and

procedural safeguards that comply with federal regulations and leading industry practices to

safeguard your nonpublic personal information.

What You Can Do To Helpn Protect your account numbers, card numbers, PINs (Personal Identification Numbers) and

passwords. Never keep your PIN with your ATM, debit or credit card, for doing so can

provide complete access to your accounts if your card is lost or stolen.

n Use caution when disclosing your account numbers, social security numbers, etc. to any person

or entity. If an unknown person calls you, explains that the call is on behalf of Beach Municipal

Federal Credit Union and asks for your account number, be aware! Only official credit union

staff will have access to your information and will rarely need to ask for it.

n Keep your information with us current. It is important that we have current information on how

to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account,

we will attempt to contact you immediately. If your address or phone number changes, please

let us know.

n If you have any questions, please do not hesitate to call us.

We are here to serve our members and protect your privacy.

Beach Municipal Federal Credit Union PRIVACY NOTICE

My Credit Union: It Belongs to MeInternational Credit Union Day

October 16, 2008More than 170 million members in 97 countries belong to thousands of credit unions just like Beach Municipal.

Through their loyalty and pride in ownership, members demonstrate the true cooperative spirit of the credit union movement. To honor that spirit, for the past 60 years, ICU Day has been celebrated on the third Thursday of October. The day is set aside to reflect upon the credit union movement’s history and to promote its achievements. The ultimate goal is to raise awareness about the great work that credit unions are doing and give members the opportunity to get more involved.

Join members worldwide in celebrating our accomplished history, our shared values, and our bright future on International Credit Union Day!

From October 14th to October 18th, if you refer a new

member to us you will be entered into a drawing to win

a $100.00 VISa Gift Card!

The drawing will be held on October 20th and members do not need to be present to win. Please visit our website for full details.

Introducing Youth Share Certificates!Hey parents, Long John Saver has a new Youth Share Certificate* just in time

for the holidays!

n Available in the amount of $50.00 and $100.00 only

n 10% APY**

n 60-months

n Limit of ten Youth Share Certificates per member

n Member must have a Long John Saver or Pipeline

account to qualify

Share certificates are a great way to teach your children the

importance of saving and a hands-on lesson on how interest can

make their money grow.

Give the gift of a Beach Municipal Youth Share Certificate this

holiday season!

* Please see us for full details. ** APY = Annual Percentage Yield.