Need ImmediateCredit on Your

Deposit?

6

Local PhoneNumbers:(803) 278-4851(803) 649-5305(803) 259-2781

Toll Free:1-800-237-9829

Web Address:www.srpfcu.org

TYME Line803-278-5590803-648-93401-800-554-TYMEMEMBERS and Counting...

0 9 2 6 4 0

Blood DriveScheduled for

Credit Union at BTCThe Shepeard Community

Bloodmobile is scheduled to be inthe BTC parking lot from 10:00 a.m.

until 2:00 p.m. on Tuesday,July 14, to take blood donations.

Give the gift of life!Be a blood donor.

5

2009 Holiday Schedule

Monday, September 7 ........................................................Labor Day

Monday, October 12 ....................................................Columbus Day

Wednesday, November 11 ............................................Veterans Day

Thursday, November 26 ..........................................Thanksgiving Day

Friday, December 25 ....................................................Christmas DayThe above scheduled holidays will be observed by the

closing of all offices of SRP.

Summer 2009

In This IssuePage 2

2010 Calendar Winners

Youth Week Winners

MEMBERS Financial Services

Page 3

U.S. Census Workers:Be Cooperative, But Cautious!

Templeton Named VPof SCCUL

Page 4

SRP Employees Volunteer

Vacation Reminders

Summer Travel Tips

Page 5

Dora Maxwell Award

Eight Keys to Better MeBooks Donated

New Campus Construction

Upcoming SRP SponsoredEvents

Page 6

Deposit ATMs

Shred Schedule

For Your Information

Key Financial Indicators6/1/2009 ($000)

Assets $537,522Loans $352,564Shares $191,683Share Drafts $110,148Share Certificates $171,654

www.srpfcu.org

Please remember this service is reserved for SRP members andpersonal documents only. Thank you.

SRP Federal Credit Union2009 Shred Schedule

4:00 - 5:30 PM

July16 - Pine Log Road17 - North Augusta23 - Edgefield24 - Tobacco Road

October15 - Silver Bluff Road16 - North Augusta22 - North Belair Road23 - Barnwell

New Administrative Campus Construction

Work continues on the new Administrative Campus and branch located atHighway 25 and Walnut Lane in North Augusta.

It is scheduled to open late this year.

Need ImmediateCredit on Your

Deposit?

Simply use your SRP debit card tomake a cash or check deposit at any

one of our deposit taking ATM’s.More have been added across ourservice area. Find one near you!

Richland ExpressBurnettown

North Augusta ExpressMartinez ExpressTobacco Road

BarnwellPine LogRutland

Coming Soon!Silver Bluff

For branch locations, visit ourwebsite at www.srpfcu.org andclick on “Your Credit Union”

and then “Locations”

Upcoming SRPSponsored Events

September 10CSRA College NightThe 17th Annual CSRA CollegeNight will be held at the JamesBrown Arena on Thursday,

September 10 from 5 - 8:30 p.m.Admission is free! During the

event, your credit union will awardten $1,000 scholarships

randomly drawn from registeredhigh school seniors and juniors.Seminars on topics such as finan-cial aid and essay writing will beavailable. For more information,

visit www.srs.gov.

September 26Broad Street RambleThe annual SRP Federal CreditUnion Broad Street Ramble willbe held on Saturday, September 26.The race includes a two-milerun/walk, kid races, and the 10Kroad race. For more informationand to register online visitwww.augustastriders.com.

September 18 - 20Arts in the Heart of

AugustaThe Arts in the Heart of

Augusta’s annual arts and cultureevent will be September 18 - 20.Your credit union will again be asponsor of this festival. Come outto enjoy live music, food fromaround the world, crafts, and

more! Visit them on them web atwww.artsintheheart.com.

The Dora Maxwell Social Responsibility RecognitionAward is given to a credit union for its social responsi-bility work and charitable projects that support itscommunity.SRP submitted its entry based on the cookbook itpublished and sold to benefit Camp Oasis. This campis for children diagnosed with Crohn’s disease andulcerative colitis. SRP employees donated recipes andput together a cookbook to raise funds in support ofCamp Oasis.

The Dora Maxwell Award judges entries from across the entire state ofSouth Carolina. SRP is very proud of its staff for their dedicated work toour community.

SRP Wins Second Place for the Dora Maxwell Award

SRP brought the keys to thefuture to third graders at ninedifferent schools this April whenthey presented and read from thecharacter-trait book, Eight Keys to aBetter Me. This book teaches youthabout character. Each chapter explor-ers a particular character trait, andhow it applies to the youth’s life on apersonal level. Traits such as honesty,respect, kindness, and more aretaught. Over 700 books were handedout by SRP staff who read and visitedwith students at each of the nineschools.

Eight Keys to a Better Me Books Donated

Angela Cotton, Assistant Manager at theBarnwell Branch, and Victoria Holder, SeniorMSR from the Barnwell Branch, with localstudents.

Right now mortgage rates are at an all time low.You may very well be able to lower your monthlypayments and save money by refinancing. It is as simpleas a 10-minute phone call or a short drive to our LoanCenter, in the North Augusta Plaza, 356 E. MartintownRd., North Augusta, SC or our branch at 750 Pine LogRd. in Aiken, SC. One of our mortgage specialists cangive you the answers you need to make the right decisionfor you and your family. The time is now. Call us at803.202.4387 or 800.237.9829 or come by and startsaving money today.

141311_Summer2009.qxd:26439-E_12-04_q5 6/19/09 8:21 AM Page 1

42

A New Number inRetirement PlanningContent developed by CUNA Brokerage

Services, provided by Dean L. Groff CRPC®

Vice President, Wealth Management

There are several magical numberswhen planning for retirement. At age59½ you can tap your qualified retire-ment plans without penalty. At age 62,you can claim early Social Security ben-efits. At age 65, you’re eligible forMedicare.At 63½, you can retire early and con-

tinue in your employer’s health insur-ance plan under COBRA until you’reeligible for Medicare. COBRA allowsworkers to continue coverage undertheir employer’s health insurance planfor 18 months after ending employment.Health care costs are on the rise.

From 2000 to 2006, the average family’shealth insurance premium rose 80%.According to the Kaiser Family Founda-tion, healthcare costs have been rising8% annually for the past three years*.What to do? If you’re planning to

retire before age 65, here are somestrategies to manage the cost of healthcare and health care insurance.Stay healthy. Use COBRA if avail-

able to you. Remain employed in orderto maintain your health insurance.Work part-time for a company thatoffers health insurance to part-timeemployees.Consider a high deductible, low pre-

mium health insurance plan.Part of a sound retirement plan.

When working with your financial advi-sor on your retirement plans, make sureto explore all of your options for remain-ing healthy and insured in retirement.*Medical Expenditure Panel Survey (MEPS), con-ducted by the Agency for Health Care Research andQuality, U.S. Department of Health and Human Ser-vices, 2007.

DDeeaann LL.. GGrrooffff CCRRPPCC®® is a VViiccee PPrreessiiddeenntt,, WWeeaalltthhMMaannaaggeemmeenntt Financial Advisor with the MMEEMMBBEERRSSprogram located at SSRRPP. If you have any questions,or would like to provide feedback, regarding the infor-mation presented in this article, you may contactDean at 880033--551100--33887711..Representative is not a tax advisor or legal expert. For infor-

mation regarding specific tax situations, please contact a tax pro-fessional. For legal advice, consult an attorney.Representatives are registered, securities are sold, and

investment advisory services offered through CUNA Broker-age Services, Inc. (CBSI), member FINRA/SIPC, a regis-tered broker/dealer and investment advisor, 2000 HeritageWay, Waverly, Iowa 50677, toll-free (866) 512-6109. Non-deposit investment and insurance products are notfederally insured, involve investment risk, may losevalue and are not obligations of or guaranteed by thefinancial institution. CBSI is under contract with thefinancial institution, through the financial services program,to make securities available to members. FR040818-BF16

For years, Better Business Bureauhas educated consumers about notgiving out personal information overthe telephone or to anyone who showsup at their front door. With the U.S.Census process beginning, BBBadvises people to be cooperative, butcautious, so as not to become a victimof fraud or identity theft.The first phase of the 2010 U.S.Census is under way as workers havebegun verifying the addresses ofhouseholds across the country. Even-tually, more than 140,000 U.S. Cen-sus workers will count every person inthe United States and will gatherinformation about every person livingat each address including name, age,gender, race and other relevant data.Most people are rightfully cautiousand won’t give out personal informa-tion to unsolicited phone callers or vis-itors, however the Census is anexception to the rule. Unfortunately,scammers know that the public ismore willing to share personal datawhen taking part in the Census andthey have an opportunity to ply theirtrade by posing as a governmentemployee and soliciting sensitivefinancial information.The Census data will be used to allocate more than $300 billion in federal funds every year, as well

as determine a State’s num-ber of Congressional repre-sentatives. Households areactually required by law to respond to the CensusBureau’s request for infor-mation. During the U.S. Census,households will be con-tacted by mail, telephone orvisited by a U.S. Censusworker who will inquire about thenumber of people living in the house.Unfortunately, people may also becontacted by scammers, who imper-sonate Census workers to get accessto banking and financial information.Law enforcement in several stateshave issued warnings that scammersare already posing as Census Bureauemployees and knocking on doorsasking for donations and Social Secu-rity numbers. The big question is - how do youtell the difference between a U.S.Census worker and a con artist?BBB offers the following advice:• If a U.S. Census worker knocks onyour door, they will have a badge, ahandheld device, a Census Bureaucanvas bag and a confidentialitynotice. Ask to see their identificationand their badge before answering theirquestions. However, you should never

invite anyone you don’t know into yourhome. • Census workers are currently onlyknocking on doors to verify addressinformation. Do not give your SocialSecurity number, credit card or bank-ing information to anyone, even if theyclaim they need it for the U.S. Cen-sus. Census workers will not ask forbanking and financial information norwill they solicit donations. • Eventually, Census workers maycontact you by telephone, mail or inperson at home. However, they willnot contact you by e-mail, so be onthe look out for e-mail scams imper-sonating the Census. Never click on alink or open any attachments in an e-mail that are supposedly from the U.S.Census Bureau.For more advice on avoiding identitytheft and fraud, visit www.bbb.org.

BBB Alerts Consumers about U.S. CensusWorkers: Be Cooperative, But Cautious!

Source: Better Business Bureau of Central Georgia & the CSRA

The photos for the 2010 SRP Federal Credit Union Calendar havebeen selected! Thank you to all who entered. We had an amazing groupof photos this year and the decisions were difficult. We look forward tobringing our members a beautiful calendar full of local scenes from ourseven county area. The calendars will be available on InternationalCredit Union Day on October 15. Our winners are:

D.S. OwensPreas StreetMegan SwingleLewis SwingleAlison Williams

2010 Calendar Contest Winners

SRP Youth WeekWinners

SRP wishes to thank all the youthwho participated in this year’s National Credit Union Youth Week.Branches displayed penny jars so youthcould guess the amount it held. Ourtop three guessers won a $25 depositinto their savings account and a SRPbag full of Frugal Freddie gifts! Ourwinners were:Caroline Gunnells, 4 - BarnwellBrendan O’Briant, 7 - Pine LogNathan Thompson, 10 - North Augusta

Winner Caroline Gunnells with Barnwellbranch manager Chuck Hallman

Requirements for PassportsAll travelers to and from the Caribbean, Bermuda, Panama, Mexico, and Canada are required tohave a passport or other secure, accepted document to enter or re-enter the United States. Underthe Intelligence Reform and Terrorism Prevention Act of 2004, this requirement includes allland border crossings, air and sea travel.

Beware: Timeshare ScamsBe suspicious of timeshare sales pitches that offer incentives

for attending the sales presentation. Many use high-pressure sales tactics anddon’t deliver the prizes they promise. One such scam promised everyone whoattended a new sports boat, all they had to do was pay for delivery. The boat turned out to be a toy, and the company kept the delivery fees. Be sure you can afford it before you buy timeshares that may be difficult to sell.

Checked-Bag ChargesSome airlines may charge you a fee for checking your first and/or second bag. To

avoid unpleasant surprises, see the individual airline’s policyfor checked baggage before you buy your ticket.

Stay Informed: Travel SafeSeveral federal agencies offer advice and information onthe internet that can help you have a safe trip. For adviceon airline, highway, and rail safety information check out the U.S. Department of Trans-portation at www.dot.gov. Look up crash-safety reports on cars or find out how weatheris affecting air travel and road conditions.

Summer Travel TipsSome Tips to Keep in Mind for Summer Vacations

SRP President, Ed Templeton, Named VP of SCCUL Board

Ed Templeton was re-elected to the South Carolina Credit Union League (SCCUL) Boardof Directors and then named vice-chairman. In addition to this position, he also serves as thechairman on the media committee. The SCCUL supports all credit unions in the state andis a valuable resource.In 1988, Ed Templeton took the CEO position at SRP and has helped the credit uniongrow substantially since.He also serves on the executive committee of the National Associations of Federal CreditUnions (NAFCU).

In May, SRP FederalCredit Union employeesvolunteered for the Chil-dren’s Miracle Network.Volunteers answeredphone calls and tookdonations during thetelethon, and also participated in a check presentation.Children’s Miracle Network is a non-profit organizationdedicated to saving and improving the lives of children byraising funds for children’s hospitals across North Amer-ica. Each year the 170 Children’s Miracle Network hospi-tals provide medical care, life-saving research andpreventative education to help millions of kids overcomediseases and injuries of every kind. The local Children’sMiracle Network Celebration raised $888,000 to benefitthe services and programs at the MCG Health Children’sMedical Center. Pictured here is Melodee Briggs andAbby Reeves taking donations.

Employees Volunteered for Children’sMiracle Network

Source: U.S. General Services Administration

Richard ChaseLouise DavisCarnell EubanksRay FlemingDeborah Holtzcheiter

3

Vacation time is approaching. Just a friendlyreminder that all ATM, Debit, and Credit Cards areblocked from use in the countries listed below. GiftCards are not blocked.• Bulgaria, Pakistan, Romania, Russia, Turkey andUkraine.

• If you are traveling out of the country, your debitcard may be blocked. If our transaction reviewdepartment cannot contact you to confirm transac-tions, they will block your card for safety reasons.Do not travel with only your debit card. Be sure tocarry a credit card and/or travelers cheques.

• If your card gets blocked, please call the creditunion immediately to review the transactions andpossibly have the block taken off the card. Youcan call SRP at 1-800-237-9829. After businesshours, you may call 1-800-523-4175.

Vacation Reminders

141311_Summer2009.qxd:26439-E_12-04_q5 6/19/09 8:21 AM Page 2

42

A New Number inRetirement PlanningContent developed by CUNA Brokerage

Services, provided by Dean L. Groff CRPC®

Vice President, Wealth Management

There are several magical numberswhen planning for retirement. At age59½ you can tap your qualified retire-ment plans without penalty. At age 62,you can claim early Social Security ben-efits. At age 65, you’re eligible forMedicare.At 63½, you can retire early and con-

tinue in your employer’s health insur-ance plan under COBRA until you’reeligible for Medicare. COBRA allowsworkers to continue coverage undertheir employer’s health insurance planfor 18 months after ending employment.Health care costs on the rise. Since

2000 to 2006, the average family’shealth insurance premium rose 80%.According to the Kaiser Family Founda-tion, healthcare costs have been raising8% annually for the past three years*.What to do? If you’re planning to

retire before age 65, here are somestrategies to manage the cost of healthcare and health care insurance.Stay healthy. Use COBRA if avail-

able to you. Remain employed in orderto maintain your health insurance.Work part-time for a company thatoffers health insurance to part-timeemployees.Consider a high deductible, low pre-

mium health insurance plan.Part of a sound retirement plan.

When working with your financial advi-sor on your retirement plans, make sureto explore all of your options for remain-ing healthy and insured in retirement.*Medical Expenditure Panel Survey (MEPS), con-ducted by the Agency for Health Care Research andQuality, U.S. Department of Health and Human Ser-vices, 2007.

DDeeaann LL.. GGrrooffff CCRRPPCC®® is a VViiccee PPrreessiiddeenntt,, WWeeaalltthhMMaannaaggeemmeenntt Financial Advisor with the MMEEMMBBEERRSSprogram located at SSRRPP. If you have any questions,or would like to provide feedback, regarding the infor-mation presented in this article, you may contactDean at 880033--551100--33887711..Representative is not a tax advisor or legal expert. For infor-

mation regarding specific tax situations, please contact a tax pro-fessional. For legal advice, consult an attorney.Representatives are registered, securities are sold, and

investment advisory services offered through CUNA Broker-age Services, Inc. (CBSI), member FINRA/SIPC, a regis-tered broker/dealer and investment advisor, 2000 HeritageWay, Waverly, Iowa 50677, toll-free (866) 512-6109. Non-deposit investment and insurance products are notfederally insured, involve investment risk, may losevalue and are not obligations of or guaranteed by thefinancial institution. CBSI is under contract with thefinancial institution, through the financial services program,to make securities available to members. FR040818-BF16

For years, Better Business Bureauhas educated consumers about notgiving out personal information overthe telephone or to anyone who showsup at their front door. With the U.S.Census process beginning, BBBadvises people to be cooperative, butcautious, so as not to become a victimof fraud or identity theft.The first phase of the 2010 U.S.Census is under way as workers havebegun verifying the addresses ofhouseholds across the country. Even-tually, more than 140,000 U.S. Cen-sus workers will count every person inthe United States and will gatherinformation about every person livingat each address including name, age,gender, race and other relevant data.Most people are rightfully cautiousand won’t give out personal informa-tion to unsolicited phone callers or vis-itors, however the Census is anexception to the rule. Unfortunately,scammers know that the public ismore willing to share personal datawhen taking part in the Census andthey have an opportunity to ply theirtrade by posing as a governmentemployee and soliciting sensitivefinancial information.The Census data will be used to allocate more than $300 billion in federal funds every year, as well

as determine a State’s num-ber of Congressional repre-sentatives. Households areactually required by law to respond to the CensusBureau’s request for infor-mation. During the U.S. Census,households will be con-tacted by mail, telephone orvisited by a U.S. Censusworker who will inquire about thenumber of people living in the house.Unfortunately, people may also becontacted by scammers, who imper-sonate Census workers to get accessto banking and financial information.Law enforcement in several stateshave issued warnings that scammersare already posing as Census Bureauemployees and knocking on doorsasking for donations and Social Secu-rity numbers. The big question is - how do youtell the difference between a U.S.Census worker and a con artist?BBB offers the following advice:• If a U.S. Census worker knocks onyour door, they will have a badge, ahandheld device, a Census Bureaucanvas bag and a confidentialitynotice. Ask to see their identificationand their badge before answering theirquestions. However, you should never

invite anyone you don’t know into yourhome. • Census workers are currently onlyknocking on doors to verify addressinformation. Do not give your SocialSecurity number, credit card or bank-ing information to anyone, even if theyclaim they need it for the U.S. Cen-sus. Census workers will not ask forbanking and financial information norwill they solicit donations. • Eventually, Census workers maycontact you by telephone, mail or inperson at home. However, they willnot contact you by e-mail, so be onthe look out for e-mail scams imper-sonating the Census. Never click on alink or open any attachments in an e-mail that are supposedly from the U.S.Census Bureau.For more advice on avoiding identitytheft and fraud, visit www.bbb.org.

BBB Alerts Consumers about U.S. CensusWorkers: Be Cooperative, But Cautious!

Source: Better Business Bureau of Central Georgia & the CSRA

The photos for the 2010 SRP Federal Credit Union Calendar havebeen selected! Thank you to all who entered photos. We had an amaz-ing group of photos this year and the decisions were difficult. We lookforward to bringing our members a beautiful calendar full of localscenes from our seven county area. The calendars will be available onInternational Credit Union Day on October 15. Our winners are:

D.S. OwensPreas StreetMegan SwingleLewis SwingleAlison Williams

2010 Calendar Contest Winners

SRP Youth WeekWinners

SRP wishes to thank all the youthwho participated in this year’sNational Credit Union Youth Week.Branches displayed penny jars soyouth could guess the amount itheld. Our top three guessers won a$25 deposit into their savingsaccount and a SRP bag full of FrugalFreddie gifts! Our winners were:Caroline Gunnells, age 4 - BarnwellBrendan O’Brian, age 7 - Pine LogNathan Thompson, age 10

North Augusta

Winner Caroline Gunnells with Barnwellbranch manager Chuck Hallman

Requirements for PassportsAll travelers to and from the Caribbean, Bermuda, Panama, Mexico, and Canada are required tohave a passport or other secure, accepted document to enter or re-enter the United States. Underthe Intelligence Reform and Terrorism Prevention Act of 2004, this requirement includes allland border crossings, air and sea travel.

Beware: Timeshare ScamsBe suspicious of timeshare sales pitches that offer incentives

for attending the sales presentation. Many use high-pressure sales tactics anddon’t deliver the prizes they promise. One such scam promised everyone whoattended a new sports boat, all they had to do was pay for delivery. The boat turned out to be a toy, and the company kept the delivery fees. Be sure you can afford it before you buy timeshares that may be difficult to sell.

Checked-Bag ChargesSome airlines may charge you a fee for checking your first and/or second bag. To

avoid unpleasant surprises, see the individual airline’s policyfor checked baggage before you buy your ticket.

Stay Informed: Travel SafeSeveral federal agencies offer advice and information onthe internet that can help you have a safe trip. For adviceon airline, highway, and rail safety information check out the U.S. Department of Trans-portation at www.dot.gov. Look up crash-safely reports on cars or find out how weatheris affecting air travel and road conditions.

Summer Travel TipsSome Tips to Keep in Mind for Summer Vacations

SRP President, Ed Templeton, Named VP of SCCUL Board

Ed Templeton was re-elected to the South Carolina Credit Union League (SCCUL) Boardof Directors and then named vice-chairman. In addition to this position, he also serves as thechairman on the media committee. The SCCUL supports all credit unions in the state andis a valuable resource.In 1988, Ed Templeton took the CEO position at SRP and has helped the credit uniongrow substantially since.He also serves on the executive committee of the National Associations of Federal CreditUnions (NAFCU).

In May, SRP FederalCredit Union employeesvolunteered for the Chil-dren’s Miracle Network.Volunteers answeredphone calls and tookdonations during thetelethon, and also participated in a check presentation.Children’s Miracle Network is a non-profit organizationdedicated to saving and improving the lives of children byraising funds for children’s hospitals across North Amer-ica. Each year the 170 Children’s Miracle Network hospi-tals provide medical care, life-saving research andpreventative education to help millions of kids overcomediseases and injuries of every kind. The local Children’sMiracle Network Celebration raised $888,000 to benefitthe services and programs at the MCG Health Children’sMedical Center. Pictured here is Melodee Briggs andAbby Reeves taking donations.

Employees Volunteered for Children’sMiracle Network

Source: U.S. General Services Administration

Richard ChaseLouise DavisCarnell EubanksRay FlemingDeborah Holtzcheiter

3

Vacation time is approaching. Just a friendlyreminder that all ATM, Debit, and Credit Cards areblocked from use in the countries listed below. GiftCards are not blocked.• Bulgaria, Pakistan, Romania, Russia, Turkey andUkraine.

• If you are traveling out of the country, your debitcard may be blocked. If our transaction reviewdepartment cannot contact you to confirm transac-tions they will block your card for safety reasons.Do not travel with only your debit card. Be sure tocarry an a credit card and/or travelers cheques.

• If your card gets blocked, please call the creditunion immediately to review the transactions andpossibly have the block taken off the card. Youcan call SRP at 1-800-237-9829. After businesshours, you may call 1-800-523-4175.

Vacation Reminders

42

A New Number inRetirement PlanningContent developed by CUNA Brokerage

Services, provided by Dean L. Groff CRPC®

Vice President, Wealth Management

There are several magical numberswhen planning for retirement. At age59½ you can tap your qualified retire-ment plans without penalty. At age 62,you can claim early Social Security ben-efits. At age 65, you’re eligible forMedicare.At 63½, you can retire early and con-

tinue in your employer’s health insur-ance plan under COBRA until you’reeligible for Medicare. COBRA allowsworkers to continue coverage undertheir employer’s health insurance planfor 18 months after ending employment.Health care costs are on the rise.

From 2000 to 2006, the average family’shealth insurance premium rose 80%.According to the Kaiser Family Founda-tion, healthcare costs have been rising8% annually for the past three years*.What to do? If you’re planning to

retire before age 65, here are somestrategies to manage the cost of healthcare and health care insurance.Stay healthy. Use COBRA if avail-

able to you. Remain employed in orderto maintain your health insurance.Work part-time for a company thatoffers health insurance to part-timeemployees.Consider a high deductible, low pre-

mium health insurance plan.Part of a sound retirement plan.

When working with your financial advi-sor on your retirement plans, make sureto explore all of your options for remain-ing healthy and insured in retirement.*Medical Expenditure Panel Survey (MEPS), con-ducted by the Agency for Health Care Research andQuality, U.S. Department of Health and Human Ser-vices, 2007.

DDeeaann LL.. GGrrooffff CCRRPPCC®® is a VViiccee PPrreessiiddeenntt,, WWeeaalltthhMMaannaaggeemmeenntt Financial Advisor with the MMEEMMBBEERRSSprogram located at SSRRPP. If you have any questions,or would like to provide feedback, regarding the infor-mation presented in this article, you may contactDean at 880033--551100--33887711..Representative is not a tax advisor or legal expert. For infor-

mation regarding specific tax situations, please contact a tax pro-fessional. For legal advice, consult an attorney.Representatives are registered, securities are sold, and

investment advisory services offered through CUNA Broker-age Services, Inc. (CBSI), member FINRA/SIPC, a regis-tered broker/dealer and investment advisor, 2000 HeritageWay, Waverly, Iowa 50677, toll-free (866) 512-6109. Non-deposit investment and insurance products are notfederally insured, involve investment risk, may losevalue and are not obligations of or guaranteed by thefinancial institution. CBSI is under contract with thefinancial institution, through the financial services program,to make securities available to members. FR040818-BF16

For years, Better Business Bureauhas educated consumers about notgiving out personal information overthe telephone or to anyone who showsup at their front door. With the U.S.Census process beginning, BBBadvises people to be cooperative, butcautious, so as not to become a victimof fraud or identity theft.The first phase of the 2010 U.S.Census is under way as workers havebegun verifying the addresses ofhouseholds across the country. Even-tually, more than 140,000 U.S. Cen-sus workers will count every person inthe United States and will gatherinformation about every person livingat each address including name, age,gender, race and other relevant data.Most people are rightfully cautiousand won’t give out personal informa-tion to unsolicited phone callers or vis-itors, however the Census is anexception to the rule. Unfortunately,scammers know that the public ismore willing to share personal datawhen taking part in the Census andthey have an opportunity to ply theirtrade by posing as a governmentemployee and soliciting sensitivefinancial information.The Census data will be used to allocate more than $300 billion in federal funds every year, as well

as determine a State’s num-ber of Congressional repre-sentatives. Households areactually required by law to respond to the CensusBureau’s request for infor-mation. During the U.S. Census,households will be con-tacted by mail, telephone orvisited by a U.S. Censusworker who will inquire about thenumber of people living in the house.Unfortunately, people may also becontacted by scammers, who imper-sonate Census workers to get accessto banking and financial information.Law enforcement in several stateshave issued warnings that scammersare already posing as Census Bureauemployees and knocking on doorsasking for donations and Social Secu-rity numbers.

The big question is - how do youtell the difference between a U.S.Census worker and a con artist?BBB offers the following advice:• If a U.S. Census worker knocks onyour door, they will have a badge, ahandheld device, a Census Bureaucanvas bag and a confidentialitynotice. Ask to see their identificationand their badge before answering theirquestions. However, you should never

invite anyone you don’t know into yourhome. • Census workers are currently onlyknocking on doors to verify addressinformation. Do not give your SocialSecurity number, credit card or bank-ing information to anyone, even if theyclaim they need it for the U.S. Cen-sus. Census workers will not ask forbanking and financial information norwill they solicit donations. • Eventually, Census workers maycontact you by telephone, mail or inperson at home. However, they willnot contact you by e-mail, so be onthe look out for e-mail scams imper-sonating the Census. Never click on alink or open any attachments in an e-mail that are supposedly from the U.S.Census Bureau.For more advice on avoiding identitytheft and fraud, visit www.bbb.org.

BBB Alerts Consumers about U.S. CensusWorkers: Be Cooperative, But Cautious!

Source: Better Business Bureau of Central Georgia & the CSRA

The photos for the 2010 SRP Federal Credit Union Calendar havebeen selected! Thank you to all who entered. We had an amazing groupof photos this year and the decisions were difficult. We look forward tobringing our members a beautiful calendar full of local scenes from ourseven county area. The calendars will be available on InternationalCredit Union Day on October 15. Our winners are:

D.S. OwensPreas StreetMegan SwingleLewis SwingleAlison Williams

2010 Calendar Contest Winners

SRP Youth WeekWinners

SRP wishes to thank all the youthwho participated in this year’sNational Credit Union Youth Week.Branches displayed penny jars soyouth could guess the amount it held.Our top three guessers won a $25deposit into their savings account anda SRP bag full of Frugal Freddie gifts!Our winners were:Caroline Gunnells, 4 - BarnwellBrendan O’Briant, 7 - Pine LogNathan Thompson, 10 North Augusta

Winner Caroline Gunnells with Barnwellbranch manager Chuck Hallman

Requirements for PassportsAll travelers to and from the Caribbean, Bermuda, Panama, Mexico, and Canada are required tohave a passport or other secure, accepted document to enter or re-enter the United States. Underthe Intelligence Reform and Terrorism Prevention Act of 2004, this requirement includes allland border crossings, air and sea travel.

Beware: Timeshare ScamsBe suspicious of timeshare sales pitches that offer incentives

for attending the sales presentation. Many use high-pressure sales tactics anddon’t deliver the prizes they promise. One such scam promised everyone whoattended a new sports boat, all they had to do was pay for delivery. The boat turned out to be a toy, and the company kept the delivery fees. Be sure you can afford it before you buy timeshares that may be difficult to sell.

Checked-Bag ChargesSome airlines may charge you a fee for checking your first and/or second bag. To

avoid unpleasant surprises, see the individual airline’s policyfor checked baggage before you buy your ticket.

Stay Informed: Travel SafeSeveral federal agencies offer advice and information onthe internet that can help you have a safe trip. For adviceon airline, highway, and rail safety information check out the U.S. Department of Trans-portation at www.dot.gov. Look up crash-safety reports on cars or find out how weatheris affecting air travel and road conditions.

Summer Travel TipsSome Tips to Keep in Mind for Summer Vacations

SRP President, Ed Templeton, Named VP of SCCUL Board

Ed Templeton was re-elected to the South Carolina Credit Union League (SCCUL) Boardof Directors and then named vice-chairman. In addition to this position, he also serves as thechairman on the media committee. The SCCUL supports all credit unions in the state andis a valuable resource.In 1988, Ed Templeton took the CEO position at SRP and has helped the credit uniongrow substantially since.He also serves on the executive committee of the National Associations of Federal CreditUnions (NAFCU).

In May, SRP FederalCredit Union employeesvolunteered for the Chil-dren’s Miracle Network.Volunteers answeredphone calls and tookdonations during thetelethon, and also participated in a check presentation.Children’s Miracle Network is a non-profit organizationdedicated to saving and improving the lives of children byraising funds for children’s hospitals across North Amer-ica. Each year the 170 Children’s Miracle Network hospi-tals provide medical care, life-saving research andpreventative education to help millions of kids overcomediseases and injuries of every kind. The local Children’sMiracle Network Celebration raised $888,000 to benefitthe services and programs at the MCG Health Children’sMedical Center. Pictured here is Melodee Briggs andAbby Reeves taking donations.

Employees Volunteered for Children’sMiracle Network

Source: U.S. General Services Administration

Richard ChaseLouise DavisCarnell EubanksRay FlemingDeborah Holtzcheiter

3

Vacation time is approaching. Just a friendlyreminder that all ATM, Debit, and Credit Cards areblocked from use in the countries listed below. GiftCards are not blocked.• Bulgaria, Pakistan, Romania, Russia, Turkey andUkraine.

• If you are traveling out of the country, your debitcard may be blocked. If our transaction reviewdepartment cannot contact you to confirm transac-tions, they will block your card for safety reasons.Do not travel with only your debit card. Be sure tocarry a credit card and/or travelers cheques.

• If your card gets blocked, please call the creditunion immediately to review the transactions andpossibly have the block taken off the card. Youcan call SRP at 1-800-237-9829. After businesshours, you may call 1-800-523-4175.

Vacation Reminders

Need ImmediateCredit on Your

Deposit?

6

Local PhoneNumbers:(803) 278-4851(803) 649-5305(803) 259-2781

Toll Free:1-800-237-9829

Web Address:www.srpfcu.org

TYME Line803-278-5590803-648-93401-800-554-TYMEMEMBERS and Counting...

0 9 2 6 4 0

Blood DriveScheduled for

Credit Union at BTCThe Shepeard Community

Bloodmobile is scheduled to be inthe BTC parking lot from 10:00 a.m.

until 2:00 p.m. on Tuesday,July 14, to take blood donations.

Give the gift of life!Be a blood donor.

5

2009 Holiday Schedule

Monday, September 7 ........................................................Labor Day

Monday, October 12 ....................................................Columbus Day

Wednesday, November 11 ............................................Veterans Day

Thursday, November 26 ..........................................Thanksgiving Day

Friday, December 25 ....................................................Christmas DayThe above scheduled holidays will be observed by the

closing of all offices of SRP.

Summer 2009

In This IssuePage 2

2010 Calendar Winners

Youth Week Winners

MEMBERS Financial Services

Page 3

U.S. Census Workers:Be Cooperative, But Cautious!

Templeton Named VPof SCCUL

Page 4

SRP Employees Volunteer

Vacation Reminders

Summer Travel Tips

Page 5

Dora Maxwell Award

Eight Keys to Better MeBooks Donated

New Campus Construction

Upcoming SRP Sponsor Events

Page 6

Deposit ATMs

Shred Schedule

For Your Information

Key Financial Indicators6/1/2009 ($000)

Assets $537,522Loans $352,564Shares $191,683Share Drafts $110,148Share Certificates $171,654

www.srpfcu.org

Please remember this service is reserved for SRP members andpersonal documents only. Thank you.

SRP Federal Credit Union2009 Shred Schedule

4:00 - 5:30 PM

July16 - Pine Log Road17 - North Augusta23 - Edgefield24 - Tobacco Road

October15 - Silver Bluff Road16 - North Augusta22 - North Belair Road23 - Barnwell

New Administrative Campus Construction

Work continues on the new Administrative Campus and branch located atHighway 25 and Walnut Lane in North Augusta.

It is scheduled to open late this year.

Need ImmediateCredit on Your

Deposit?

Simply use your SRP debit card tomake a cash or check deposit at anyone of our deposit taking ATM’s.More have been added across ourservice area. Find one near you!

Richland ExpressBurnettown

North Augusta ExpressMartinez ExpressTobacco Road

BarnwellPine LogRutland

Coming Soon!Silver Bluff

Upcoming SRPSponsored Events

September 10CSRA College NightThe 17th Annual CSRA CollegeNight will be held at the JamesBrown Arena on Thursday,

September 10 from 5 - 8:30 p.m.Admission is free! During the

event, your credit union will awardten $1,000 scholarships

randomly drawn from registeredhigh school seniors and juniors.Seminars on topics such as finan-cial aid and essay writing will beavailable. For more information,

visit www.srs.gov.

September 26Broad Street RambleThe annual SRP Federal CreditUnion Broad Street Ramble willbe held on Saturday, September 26.The race includes a two-milerun/walk, kid races, and the 10Kroad race. For more informationand to register online visitwww.augustastriders.com.

September 18 - 20Arts in the Heart of

AugustaThe Arts in the Heart of

Augusta’s annual arts and cultureevent will be September 18 - 20.Your credit union will again be asponsor of this festival. Come outto enjoy live music, food fromaround the world, crafts, and

more! Visit them on them web atwww.artsintheheart.com.

The Dora Maxwell Social Responsibility RecognitionAward is given to a credit union for its social responsi-bility work and charitable projects that support itscommunity.SRP submitted its entry based on the cookbook itpublished and sold to benefit Camp Oasis. This campis for children diagnosed with Crohn’s disease andulcerative colitis. SRP employees donated recipes andput together a cookbook to raise funds in support ofCamp Oasis.

The Dora Maxwell Award judges entries from across the entire state ofSouth Carolina. SRP is very proud of its staff for their dedicated work toour community.

SRP Wins Second Place for the Dora Maxwell Award

SRP brought the keys to thefuture to third graders at ninedifferent schools this April whenthey presented and read from thecharacter-trait book, Eight Keys to aBetter Me. This book teaches youthabout character. Each chapter explor-ers a particular character trait, andhow it applies to the youth’s life on apersonal level. Traits such as honesty,respect, kindness, and more aretaught. Over 700 books were handedout by SRP staff who read and visitedwith students at each of the nineschools.

Eight Keys to a Better Me Books Donated

Angela Cotton, Assistant Manager at theBarnwell Branch, and Victoria Holder, SeniorMSR from the Barnwell Branch, with localstudents.

Need ImmediateCredit on Your

Deposit?

6

Local PhoneNumbers:(803) 278-4851(803) 649-5305(803) 259-2781

Toll Free:1-800-237-9829

Web Address:www.srpfcu.org

TYME Line803-278-5590803-648-93401-800-554-TYMEMEMBERS and Counting...

0 9 2 6 4 0

Blood DriveScheduled for

Credit Union at BTCThe Shepeard Community

Bloodmobile is scheduled to be inthe BTC parking lot from 10:00 a.m.

until 2:00 p.m. on Tuesday,July 14, to take blood donations.

Give the gift of life!Be a blood donor.

5

2009 Holiday Schedule

Monday, September 7 ........................................................Labor Day

Monday, October 12 ....................................................Columbus Day

Wednesday, November 11 ............................................Veterans Day

Thursday, November 26 ..........................................Thanksgiving Day

Friday, December 25 ....................................................Christmas DayThe above scheduled holidays will be observed by the

closing of all offices of SRP.

Summer 2009

In This IssuePage 2

2010 Calendar Winners

Youth Week Winners

MEMBERS Financial Services

Page 3

U.S. Census Workers:Be Cooperative, But Cautious!

Templeton Named VPof SCCUL

Page 4

SRP Employees Volunteer

Vacation Reminders

Summer Travel Tips

Page 5

Dora Maxwell Award

Eight Keys to Better MeBooks Donated

New Campus Construction

Upcoming SRP SponsoredEvents

Page 6

Deposit ATMs

Shred Schedule

For Your Information

Key Financial Indicators6/1/2009 ($000)

Assets $537,522Loans $352,564Shares $191,683Share Drafts $110,148Share Certificates $171,654

www.srpfcu.org

Please remember this service is reserved for SRP members andpersonal documents only. Thank you.

SRP Federal Credit Union2009 Shred Schedule

4:00 - 5:30 PM

July16 - Pine Log Road17 - North Augusta23 - Edgefield24 - Tobacco Road

October15 - Silver Bluff Road16 - North Augusta22 - North Belair Road23 - Barnwell

New Administrative Campus Construction

Work continues on the new Administrative Campus and branch located atHighway 25 and Walnut Lane in North Augusta.

It is scheduled to open late this year.

Need ImmediateCredit on Your

Deposit?

Simply use your SRP debit card tomake a cash or check deposit at any

one of our deposit taking ATM’s.More have been added across ourservice area. Find one near you!

Richland ExpressBurnettown

North Augusta ExpressMartinez ExpressTobacco Road

BarnwellPine LogRutland

Coming Soon!Silver Bluff

For branch locations, visit ourwebsite at www.srpfcu.org andclick on “Your Credit Union”

and then “Locations”

Upcoming SRPSponsored Events

September 10CSRA College NightThe 17th Annual CSRA CollegeNight will be held at the JamesBrown Arena on Thursday,

September 10 from 5 - 8:30 p.m.Admission is free! During the

event, your credit union will awardten $1,000 scholarships

randomly drawn from registeredhigh school seniors and juniors.Seminars on topics such as finan-cial aid and essay writing will beavailable. For more information,

visit www.srs.gov.

September 26Broad Street RambleThe annual SRP Federal CreditUnion Broad Street Ramble willbe held on Saturday, September 26.The race includes a two-milerun/walk, kid races, and the 10Kroad race. For more informationand to register online visitwww.augustastriders.com.

September 18 - 20Arts in the Heart of

AugustaThe Arts in the Heart of

Augusta’s annual arts and cultureevent will be September 18 - 20.Your credit union will again be asponsor of this festival. Come outto enjoy live music, food fromaround the world, crafts, and

more! Visit them on them web atwww.artsintheheart.com.

The Dora Maxwell Social Responsibility RecognitionAward is given to a credit union for its social responsi-bility work and charitable projects that support itscommunity.SRP submitted its entry based on the cookbook itpublished and sold to benefit Camp Oasis. This campis for children diagnosed with Crohn’s disease andulcerative colitis. SRP employees donated recipes andput together a cookbook to raise funds in support ofCamp Oasis.

The Dora Maxwell Award judges entries from across the entire state ofSouth Carolina. SRP is very proud of its staff for their dedicated work toour community.

SRP Wins Second Place for the Dora Maxwell Award

SRP brought the keys to thefuture to third graders at ninedifferent schools this April whenthey presented and read from thecharacter-trait book, Eight Keys to aBetter Me. This book teaches youthabout character. Each chapter explor-ers a particular character trait, andhow it applies to the youth’s life on apersonal level. Traits such as honesty,respect, kindness, and more aretaught. Over 700 books were handedout by SRP staff who read and visitedwith students at each of the nineschools.

Eight Keys to a Better Me Books Donated

Angela Cotton, Assistant Manager at theBarnwell Branch, and Victoria Holder, SeniorMSR from the Barnwell Branch, with localstudents.