6

Local Phone Numbers:

(803) 278-4851(803) 649-5305(803) 259-2781

Toll Free:1-800-237-9829

Web Address:www.srpfcu.org

TYME Line803-278-5590803-648-9340

1-800-554-TYMEMEMBERS and Counting...

0 9 8 8 2 3

5

2011 Holiday ScheduleMonday, January 17..........................................Martin Luther King, Jr. DayMonday, February 21..........................................................Presidents’ DayMonday, May 30..................................................................Memorial DayMonday, July 4 ..............................................................Independence DayMonday, September 5 ................................................................Labor DayMonday, October 10............................................................Columbus DayFriday, November 11 .............................................................Veterans DayThursday, November 24...................................................Thanksgiving DayMonday, December 26.........................................Christmas Day celebrated

Winter 2010

In This IssuePage 2

Members Financial Services

2012 Calendar Contest

Page 3

Federal Regulation D

Get it Right! Get it Fast!

Page 4

Tips for Preventing Fraud

E-Statements: Go Green

Page 5

SRP Changes Credit Insurance Provider

Involuntary UnemploymentDebt Protection

Professional Bull Riding

Page 6

Shred Schedule

Holiday Schedule

Fee Changes

Key Financial Indicators

Key Financial Indicators12/1/2010 ($000)Assets $544,982Loans $362,553Shares $210,887Share Drafts $112,206Share Certificates $170,676

www.srpfcu.org

Jan. 18, Tues. – Pine LogJan. 24, Mon. – North AugustaJan. 25, Tues. – Davis Road

April 18, Mon. – Pine LogApril 19, Tues. – North AugustaApril 25, Mon. – Davis RoadApril 26, Tues. – Barnwell

July 18, Mon. – Pine LogJuly 19, Tues. – North AugustaJuly 25, Mon. – Davis Road

Oct. 17, Mon. – Pine LogOct. 18, Tues. – North AugustaOct. 24, Mon. – Davis Road

2011 Shred ScheduleAvailable 4:00 - 5:30 PM

For branch locations visit us at www.srpfcu.orgPlease remember shredding is available to members for personal documents only. Thank you!

Blood Drive Scheduled for SRP

The Shepeard Community Bloodmobile is scheduled to be in the Walnut Lane Branch (1070 Edgefield Road, NorthAugusta, SC) parking lot from 10:00 a.m. until 2:00 p.m. on Friday, January 7,

to take blood donations.

Give the gift of life! Be a blood donor.

SRP’s 51stAnnual Meeting

Collection Item Fee $40.00Pursuant to our Agreements with you we haveaccepted your deposit for collection only. This meansthe Credit Union is only seeking to collect thedeposit(s) on your behalf. You will not have accessto the funds until such time as the Credit Union actu-ally collects payment for the deposit from thedrawee or source indicated and that paymentbecomes irrevocable based upon our sole determina-tion. There is no limit on how long it may take usto collect and make these funds available to you.

Gift Card Maintenance Fee $5.00Monthly beginning thirteenth month after twelvemonths of non-use and will occur each month untiltransaction activity resumes or the available balanceis zero.

FEE CHANGES

Thursday, March 10, 2011Etherredge Center (USCAiken)Meet the Candidates 6:00 pmBusiness Meeting 7:00 pmVote for your credit union leaders!

The Martinez Branch in the WestTown Shopping Center on Washing-ton Road has closed their doors andmoved down the road! The newbranch is located at 125 Davis Roadin Martinez and will be better able toserve the needs of members. Theexpress facility on Rose Street has alsoclosed and employees there joined the

staff at Davis Road, which houses an eight lane drive through. The DavisRoad branch will have an officialgrand opening in the coming weeks,but they are now open for business.Jenny Mutimer, who managed theMartinez branch, has moved to thenew location along with her staff.

The ATM in the West Town Shop-ping Center will remain open. Thedeposit and drive through ATMs atthe Rose Street Express will remainopen until they are ready to be movedinto the new ATM location in front ofthe Davis Road branch.

Stop by the new Davis Road loca-tion soon. The staff is anxious to showyou around our newest facility!

Martinez Branch and Express Moved to New Location

Great news! Effective January 1,2011 we will begin offering creditinsurance through Minnesota LifeInsurance Company. We arepleased to offer new *Credit Lifeand *Credit Disability insuranceplans which offer improved benefitsand at a lower cost to our members.• Credit Disability coverage isdecreasing from $2.20 to $1.95per $1,000 of the outstandingloan balance per month.

• Members with qualifying disabili-ties will be able to file claims aftera 14-day waiting period instead ofa 30-day waiting period. If you are currently receiving

credit disability benefits, this changedoes not affect your benefit status.

Any benefits due toyou in connectionwith your currentcredit disabilityclaim will be paidunder the terms ofthe previous insur-ance provider. Credit Life and Credit Disability

insurance provide important bene-fits that offer you and your familyvaluable financial security. Benefits include the following:• Pays off your covered loan bal-

ance* in the event of death, andmakes payments for you in theevent of disability.

• Protects your lifestyle and that ofyour loved ones.

• Protects your credit rating.• Provides coverage at low group

rates that are the same for everyeligible borrower.If you have any questions

concerning our new credit insuranceprograms, please contact one of ourloan representatives or call us at803.278.4851 or 800.237.9829.

SRP Changes Credit Insurance Provider to Save

Members Money!

Life is unpredictable. Involuntary Unemploy-ment Debt Protection can help relieve financialpressure in the event of involuntary unemploy-ment. With Involuntary Unemployment DebtProtection, your monthly loan payments will becancelled without penalty or added interest. Youbenefit from the peace of mind knowing you andyour credit rating are protected. Watch your mail in January for information on our openenrollment period.

This product is available for closed-end con-sumer loans. If you have any questions concerning our new InvoluntaryUnemployment Debt Protection program, please contact one of our loanrepresentatives or call us at 803.278.4851 or 800.237.9829.

*Credit Life and Credit Disability are optional and may be cancelled at any time. These products are provided by third parties; and are not products of the Credit Union. Anyrights, obligations or claims with regard to such products shall be solely between you and the party providing the products. The Credit Union does not endorse any providers andoffers information on these products only as a service to members. There are other providers of such products from whom you may obtain these products. Maximum coverage limitsup to $75,000 per loan.

ProfessionalBull Riding Touring Pro Division

Friday andSaturday

January 21st & 22nd 8pm

James Brown ArenaAugusta, Georgia

Save $3 Per Ticket when using the Promotion Code!Visit georgialinatix.com or call 877-428-4849Promotion Code: GSRP

SRP Now Offers *Involuntary Unemployment Debt Protection

*Involuntary Unemployment Debt Protection is optional and may be cancelled at any time. This product isprovided by third parties and is not a product of the Credit Union. Any rights, obligations or claims withregard to such products shall be solely between you and the party providing the products. The Credit Uniondoes not endorse any providers and offers information on these products only as a service to members. DebtProtection products are non-insurance products.

New Website Coming Soon!

Fraudsters can send official-lookingletters or pose as representatives fromVisa, financial institutions or evencharities. If asked to provide youraccount number or other personalinformation in the mail or by phone,be wary of fraud.A few tips can help you beat phone fraud:• Visa never calls or writes cardhold-

ers for personal account information • Never provide information unless

you initiated the communication • Don’t feel obligated to provide card

numbers by phone • Get details—If the caller can’t

answer, it’s not legitimate

• Rather than asking for a “call backnumber,” research the caller on yourown along with their legitimatephone number

• Report requests for personal informa-tion to your card issuer by calling thenumber on the back of your card

You can combat fraud by mail, too:• Beware of notices announcing that

you’ve won a prize for a contest youdid not enter

• Notify your post office if you changeaddress

• Make sure your mailbox is secure • Collect your delivered mail; don’t let

it sit in the mailbox too long • Have your mail held when on vacation

Source: Visa Security Sense, www.visasecuritysense.com

Start getting your monthly state-ments faster and safer from oursecure web site. No more worryingabout having your statement lost orstolen from your mailbox. Recordkeeping is simplified and if you everneed a copy of your statement, youcan simply download or print fromyour saved file. Every month we willnotify you when your statement isready and waiting for you to retrieve.When you sign up for online state-ments, your member newsletter willalso be available electronically.

To begin, simply log on to PCTYME, click the E-Statement link,and provide your email address.• E-Statements are stored on a

secure server, accessible onlythrough PC TYME Online Banking.

Your confidential information is safe and secure.

• No opportunity for theft from mailbox, or getting lost in delivery.

• No Trees were cut down.• No mess or clutter on your desk,

or in the landfill.• 18 months worth of statements

available on demand.• Email notification so you’ll never

forget when your next statement isavailable for viewing.

• Print only the statements you need,or save them for easy retrieval.

• Streamline your filing and reduceclutter.

• Easily access cancelled checks toview, print, or save.

432

It’s time for our Annual Calendar Contest to begin and we wantyour photographs! In the past, we have had some truly wonderfulsubmissions and we hope this year is no different. Each year we tryto incorporate photographs showcasing our scenic seven county ser-vice area. From Edgefield, Barnwell, Allendale, and Aiken Countiesin South Carolina, and Columbia, McDuffie and Richmond Coun-ties in Georgia, there are a lot of pictures to be seen!

Here are the details:1. All credit union members, including employees who are credit

union members, are eligible to enter their photographs.2. Deadline is Friday, March 25, 2011.3. Photographs will be chosen according to quality, subject matter,

composition and overall presentation.4. Enter photographs of local sights, events, or scenes that high-

light the positive features of our seven county areas. Portraits offamily members, pictures of friends and neighbors posing orthemes of a similar nature should not be submitted for this par-ticular contest.

5. Horizontal images work best due to the calendar’s layout limita-tions. Photographs need to be printed on good stock paper ifsubmitting a hard copy. If reproduced from a digital image, besure the quality of the reproduction is high.

6. Photographs will not be returned.

To enter your submissions:1. Submit your entries to: Marketing Department, SRP Federal

Credit Union, P.O. Box 6730, North Augusta, SC, 29861. Oryou may drop off your submissions to any branch in an enve-lope addressed to the Marketing Department.

2. Include a label with your name, address, telephone number,and any pertinent information about the photograph, such aslocation. Do not write on the photograph.

3. Electronic images can be e-mailed to wshepard@srpfcu.org,lsmith@srpfcu.org, or jrhoden@srpfcu.org. Please include yourname and photograph location on each file sent.

Working with a Financial Advisor

Content developed by CUNA Brokerage Services, provided by LesBranson and Clay Burckhalter

Would you trust your medical diagnosis to acasual acquaintance? Do you cut your own hair?For many things it makes sense to pay a profes-sional who has the expertise to deliver the bestresults. A professional financial advisor can makeall the difference when you are looking to outline asound, and achievable, financial plan. Follow thesesix steps to establish a good relationship with a pro-fessional financial advisor. 1. Choosing your financial advisor – One ofthe best ways to find a financial advisor is througha referral. Begin with a trusted source – inquire atyour credit union/personal banking center aboutfinancial advisors who are located at, or near, yourlocal branch. 2. Set up a consultation –Ask a great variety ofquestions to evaluate if your financial objectivesare well matched to the financial advisor’s areas ofexpertise. 3. Discuss your goals and obligations – Yourfinancial advisor will need information about youand your financial situation, philosophy and risktolerance. Be candid about your income, debts,future obligations, and current assets. 4. Ask plenty of questions – If you don’t under-stand something, make sure to ask. And keep ask-ing until the answer is clear to you. 5. Meet or speak regularly – To keep yourfinancial plan moving in the right direction, youradvisor needs to know when important changestake place in your life. Keep your financial advisorin the loop. 6. Listen – Professional advisors can draw fromyears of experience and help you maintain a long-term perspective on your investment plan. Takethe time to listen to what your financial advisor hasthe say.

Working with a financial professional can beone of the smartest things you can do to ensureyou reach your personal and financial goals. Fol-lowing these fundamental guidelines can go a longway in helping you get the most out the workingrelationship with your financial advisor.

Les Branson and Clay Burckhalter are FinancialAdvisors with MEMBERS Financial Serviceslocated at SRP Federal Credit Union. If you haveany questions, or would like to provide feedback,regarding the information presented in this article,you may contact Les or Clay at 803-510-3835.

Representative is not a tax advisor or legal expert. For infor-mation regarding specific tax situations, please contact a taxprofessional. For legal advice, consult an attorney. Representatives are registered, securities are sold, and invest-ment advisory services offered through CUNA BrokerageServices, Inc. (CBSI), member FINRA/SIPC, a registeredbroker/dealer and investment advisor, 2000 Heritage Way,Waverly, Iowa 50677, toll-free (866) 512-6109. Nondepositinvestment and insurance products are not federally insured,involve investment risk, may lose value and are not obliga-tions of or guaranteed by the financial institution. CBSI isunder contract with the financial institution, through thefinancial services program, to make securities available tomembers. FR040818-78DA

Tips from Visa for Preventing Fraud2012 Calendar Contest

E-Statements: GoGreen in a SecureEnvironment!

Mail and Phone

Federal Regulation D

What is Regulation D?

• Automatic transfer(overdraft transfer)

• PC TYME*• Preauthorized transfer• Telephone Request • TYME Line**

• Automatic transfer(overdraft transfer)

• PC TYME*• Preauthorized transfer• Telephone Request • TYME Line**

• Check• Draft• Debit card• PC TYME*• Electronic Payments• TYME Line**

Transfers or withdrawals madeto another account if made by:

Transfers or withdrawals to athird party, if made by:

Transfers to a third party, ifmade by:

Limited Transfers and Withdrawals for Savings Accounts (6 per Statement Period)

• Mail• Messenger• ATM• In person

• Mail• Messenger• ATM• In person• Telephone Request

Automatic payment transfers for the purposeof repaying loans.

Transfers from one account toanother if made by:

Withdrawals to you from theaccount if made by:

Unlimited Transfers and Withdrawals for Savings Accounts (Per Statement Period)

*PC TYME is online banking **TYME Line is our automated response system

Helpful tips:

Make recurring electronic

payments from your checking

account

Keep sufficient balances in

your checking account to

avoid overdraft transfers from

your savings account

Use a line of credit for over-

draft protection instead of

your savings account

Perform transactions at an

ATM or in person

Regulation D is a federal law that places a monthly limit (6) on the number of transfersyou may make from your Savings Accounts without your physical presence being required.Transfers affected by this regulation therefore include:

Do you want to receive your tax

refund or paycheck automatically

in your account?

If so, please provide your cor-

rect account number located on

the bottom of your checks.

Please do not use the account

number information on your state-

ment, PC TYME, or member identi-

fication account card. If you do not

have a checking account, please see

a Member Service Representative at a

branch, or call the phone center at

803-278-4851 or 800-237-9829, for

the correct account number to pre-

vent misdirected or returned deposits.

For more information, visit us

online at www.srpfcu.org.

Regulations require SRP Federal

Credit Union to return all direct

deposits with incorrect account

numbers.

253278090 1234567891 5770

SRP FCU’sRouting Number

AccountNumber

5770

Get it Right! Get it Fast!“Tax Refund and Direct Deposit”

Fraudsters can send official-lookingletters or pose as representatives fromVisa, financial institutions or evencharities. If asked to provide youraccount number or other personalinformation in the mail or by phone,be wary of fraud.A few tips can help you beat phone fraud:• Visa never calls or writes cardhold-

ers for personal account information • Never provide information unless

you initiated the communication • Don’t feel obligated to provide card

numbers by phone • Get details—If the caller can’t

answer, it’s not legitimate

• Rather than asking for a “call backnumber,” research the caller on yourown along with their legitimatephone number

• Report requests for personal informa-tion to your card issuer by calling thenumber on the back of your card

You can combat fraud by mail, too:• Beware of notices announcing that

you’ve won a prize for a contest youdid not enter

• Notify your post office if you changeaddress

• Make sure your mailbox is secure • Collect your delivered mail; don’t let

it sit in the mailbox too long • Have your mail held when on vacation

Source: Visa Security Sense, www.visasecuritysense.com

Start getting your monthly state-ments faster and safer from oursecure web site. No more worryingabout having your statement lost orstolen from your mailbox. Recordkeeping is simplified and if you everneed a copy of your statement, youcan simply download or print fromyour saved file. Every month we willnotify you when your statement isready and waiting for you to retrieve.When you sign up for online state-ments, your member newsletter willalso be available electronically.

To begin, simply log on to PCTYME, click the E-Statement link,and provide your email address.• E-Statements are stored on a

secure server, accessible onlythrough PC TYME Online Banking.

Your confidential information is safe and secure.

• No opportunity for theft from mailbox, or getting lost in delivery.

• No Trees were cut down.• No mess or clutter on your desk,

or in the landfill.• 18 months worth of statements

available on demand.• Email notification so you’ll never

forget when your next statement isavailable for viewing.

• Print only the statements you need,or save them for easy retrieval.

• Streamline your filing and reduceclutter.

• Easily access cancelled checks toview, print, or save.

432

It’s time for our Annual Calendar Contest to begin and we wantyour photographs! In the past, we have had some truly wonderfulsubmissions and we hope this year is no different. Each year we tryto incorporate photographs showcasing our scenic seven county ser-vice area. From Edgefield, Barnwell, Allendale, and Aiken Countiesin South Carolina, and Columbia, McDuffie and Richmond Coun-ties in Georgia, there are a lot of pictures to be seen!

Here are the details:1. All credit union members, including employees who are credit

union members, are eligible to enter their photographs.2. Deadline is Friday, March 25, 2011.3. Photographs will be chosen according to quality, subject matter,

composition and overall presentation.4. Enter photographs of local sights, events, or scenes that high-

light the positive features of our seven county areas. Portraits offamily members, pictures of friends and neighbors posing orthemes of a similar nature should not be submitted for this par-ticular contest.

5. Horizontal images work best due to the calendar’s layout limita-tions. Photographs need to be printed on good stock paper ifsubmitting a hard copy. If reproduced from a digital image, besure the quality of the reproduction is high.

6. Photographs will not be returned.

To enter your submissions:1. Submit your entries to: Marketing Department, SRP Federal

Credit Union, P.O. Box 6730, North Augusta, SC, 29861. Oryou may drop off your submissions to any branch in an enve-lope addressed to the Marketing Department.

2. Include a label with your name, address, telephone number,and any pertinent information about the photograph, such aslocation. Do not write on the photograph.

3. Electronic images can be e-mailed to wshepard@srpfcu.org,lsmith@srpfcu.org, or jrhoden@srpfcu.org. Please include yourname and photograph location on each file sent.

Working with a Financial Advisor

Content developed by CUNA Brokerage Services, provided by LesBranson and Clay Burckhalter

Would you trust your medical diagnosis to acasual acquaintance? Do you cut your own hair?For many things it makes sense to pay a profes-sional who has the expertise to deliver the bestresults. A professional financial advisor can makeall the difference when you are looking to outline asound, and achievable, financial plan. Follow thesesix steps to establish a good relationship with a pro-fessional financial advisor. 1. Choosing your financial advisor – One ofthe best ways to find a financial advisor is througha referral. Begin with a trusted source – inquire atyour credit union/personal banking center aboutfinancial advisors who are located at, or near, yourlocal branch. 2. Set up a consultation –Ask a great variety ofquestions to evaluate if your financial objectivesare well matched to the financial advisor’s areas ofexpertise. 3. Discuss your goals and obligations – Yourfinancial advisor will need information about youand your financial situation, philosophy and risktolerance. Be candid about your income, debts,future obligations, and current assets. 4. Ask plenty of questions – If you don’t under-stand something, make sure to ask. And keep ask-ing until the answer is clear to you. 5. Meet or speak regularly – To keep yourfinancial plan moving in the right direction, youradvisor needs to know when important changestake place in your life. Keep your financial advisorin the loop. 6. Listen – Professional advisors can draw fromyears of experience and help you maintain a long-term perspective on your investment plan. Takethe time to listen to what your financial advisor hasthe say.

Working with a financial professional can beone of the smartest things you can do to ensureyou reach your personal and financial goals. Fol-lowing these fundamental guidelines can go a longway in helping you get the most out the workingrelationship with your financial advisor.

Les Branson and Clay Burckhalter are FinancialAdvisors with MEMBERS Financial Serviceslocated at SRP Federal Credit Union. If you haveany questions, or would like to provide feedback,regarding the information presented in this article,you may contact Les or Clay at 803-510-3835.

Representative is not a tax advisor or legal expert. For infor-mation regarding specific tax situations, please contact a taxprofessional. For legal advice, consult an attorney. Representatives are registered, securities are sold, and invest-ment advisory services offered through CUNA BrokerageServices, Inc. (CBSI), member FINRA/SIPC, a registeredbroker/dealer and investment advisor, 2000 Heritage Way,Waverly, Iowa 50677, toll-free (866) 512-6109. Nondepositinvestment and insurance products are not federally insured,involve investment risk, may lose value and are not obliga-tions of or guaranteed by the financial institution. CBSI isunder contract with the financial institution, through thefinancial services program, to make securities available tomembers. FR040818-78DA

Tips from Visa for Preventing Fraud2012 Calendar Contest

E-Statements: GoGreen in a SecureEnvironment!

Mail and Phone

Federal Regulation D

What is Regulation D?

• Automatic transfer(overdraft transfer)

• PC TYME*• Preauthorized transfer• Telephone Request • TYME Line**

• Automatic transfer(overdraft transfer)

• PC TYME*• Preauthorized transfer• Telephone Request • TYME Line**

• Check• Draft• Debit card• PC TYME*• Electronic Payments• TYME Line**

Transfers or withdrawals madeto another account if made by:

Transfers or withdrawals to athird party, if made by:

Transfers to a third party, ifmade by:

Limited Transfers and Withdrawals for Savings Accounts (6 per Statement Period)

• Mail• Messenger• ATM• In person

• Mail• Messenger• ATM• In person• Telephone Request

Automatic payment transfers for the purposeof repaying loans.

Transfers from one account toanother if made by:

Withdrawals to you from theaccount if made by:

Unlimited Transfers and Withdrawals for Savings Accounts (Per Statement Period)

*PC TYME is online banking **TYME Line is our automated response system

Helpful tips:

Make recurring electronic

payments from your checking

account

Keep sufficient balances in

your checking account to

avoid overdraft transfers from

your savings account

Use a line of credit for over-

draft protection instead of

your savings account

Perform transactions at an

ATM or in person

Regulation D is a federal law that places a monthly limit (6) on the number of transfersyou may make from your Savings Accounts without your physical presence being required.Transfers affected by this regulation therefore include:

Do you want to receive your tax

refund or paycheck automatically

in your account?

If so, please provide your cor-

rect account number located on

the bottom of your checks.

Please do not use the account

number information on your state-

ment, PC TYME, or member identi-

fication account card. If you do not

have a checking account, please see

a Member Service Representative at a

branch, or call the phone center at

803-278-4851 or 800-237-9829, for

the correct account number to pre-

vent misdirected or returned deposits.

For more information, visit us

online at www.srpfcu.org.

Regulations require SRP Federal

Credit Union to return all direct

deposits with incorrect account

numbers.

253278090 1234567891 5770

SRP FCU’sRouting Number

AccountNumber

5770

Get it Right! Get it Fast!“Tax Refund and Direct Deposit”

Fraudsters can send official-lookingletters or pose as representatives fromVisa, financial institutions or evencharities. If asked to provide youraccount number or other personalinformation in the mail or by phone,be wary of fraud.A few tips can help you beat phone fraud:• Visa never calls or writes cardhold-

ers for personal account information • Never provide information unless

you initiated the communication • Don’t feel obligated to provide card

numbers by phone • Get details—If the caller can’t

answer, it’s not legitimate

• Rather than asking for a “call backnumber,” research the caller on yourown along with their legitimatephone number

• Report requests for personal informa-tion to your card issuer by calling thenumber on the back of your card

You can combat fraud by mail, too:• Beware of notices announcing that

you’ve won a prize for a contest youdid not enter

• Notify your post office if you changeaddress

• Make sure your mailbox is secure • Collect your delivered mail; don’t let

it sit in the mailbox too long • Have your mail held when on vacation

Source: Visa Security Sense, www.visasecuritysense.com

Start getting your monthly state-ments faster and safer from oursecure web site. No more worryingabout having your statement lost orstolen from your mailbox. Recordkeeping is simplified and if you everneed a copy of your statement, youcan simply download or print fromyour saved file. Every month we willnotify you when your statement isready and waiting for you to retrieve.When you sign up for online state-ments, your member newsletter willalso be available electronically.

To begin, simply log on to PCTYME, click the E-Statement link,and provide your email address.• E-Statements are stored on a

secure server, accessible onlythrough PC TYME Online Banking.

Your confidential information is safe and secure.

• No opportunity for theft from mailbox, or getting lost in delivery.

• No Trees were cut down.• No mess or clutter on your desk,

or in the landfill.• 18 months worth of statements

available on demand.• Email notification so you’ll never

forget when your next statement isavailable for viewing.

• Print only the statements you need,or save them for easy retrieval.

• Streamline your filing and reduceclutter.

• Easily access cancelled checks toview, print, or save.

432

It’s time for our Annual Calendar Contest to begin and we wantyour photographs! In the past, we have had some truly wonderfulsubmissions and we hope this year is no different. Each year we tryto incorporate photographs showcasing our scenic seven county ser-vice area. From Edgefield, Barnwell, Allendale, and Aiken Countiesin South Carolina, and Columbia, McDuffie and Richmond Coun-ties in Georgia, there are a lot of pictures to be seen!

Here are the details:1. All credit union members, including employees who are credit

union members, are eligible to enter their photographs.2. Deadline is Friday, March 25, 2011.3. Photographs will be chosen according to quality, subject matter,

composition and overall presentation.4. Enter photographs of local sights, events, or scenes that high-

light the positive features of our seven county areas. Portraits offamily members, pictures of friends and neighbors posing orthemes of a similar nature should not be submitted for this par-ticular contest.

5. Horizontal images work best due to the calendar’s layout limita-tions. Photographs need to be printed on good stock paper ifsubmitting a hard copy. If reproduced from a digital image, besure the quality of the reproduction is high.

6. Photographs will not be returned.

To enter your submissions:1. Submit your entries to: Marketing Department, SRP Federal

Credit Union, P.O. Box 6730, North Augusta, SC, 29861. Oryou may drop off your submissions to any branch in an enve-lope addressed to the Marketing Department.

2. Include a label with your name, address, telephone number,and any pertinent information about the photograph, such aslocation. Do not write on the photograph.

3. Electronic images can be e-mailed to wshepard@srpfcu.org,lsmith@srpfcu.org, or jrhoden@srpfcu.org. Please include yourname and photograph location on each file sent.

Working with a Financial Advisor

Content developed by CUNA Brokerage Services, provided by LesBranson and Clay Burckhalter

Would you trust your medical diagnosis to acasual acquaintance? Do you cut your own hair?For many things it makes sense to pay a profes-sional who has the expertise to deliver the bestresults. A professional financial advisor can makeall the difference when you are looking to outline asound, and achievable, financial plan. Follow thesesix steps to establish a good relationship with a pro-fessional financial advisor. 1. Choosing your financial advisor – One ofthe best ways to find a financial advisor is througha referral. Begin with a trusted source – inquire atyour credit union/personal banking center aboutfinancial advisors who are located at, or near, yourlocal branch. 2. Set up a consultation –Ask a great variety ofquestions to evaluate if your financial objectivesare well matched to the financial advisor’s areas ofexpertise. 3. Discuss your goals and obligations – Yourfinancial advisor will need information about youand your financial situation, philosophy and risktolerance. Be candid about your income, debts,future obligations, and current assets. 4. Ask plenty of questions – If you don’t under-stand something, make sure to ask. And keep ask-ing until the answer is clear to you. 5. Meet or speak regularly – To keep yourfinancial plan moving in the right direction, youradvisor needs to know when important changestake place in your life. Keep your financial advisorin the loop. 6. Listen – Professional advisors can draw fromyears of experience and help you maintain a long-term perspective on your investment plan. Takethe time to listen to what your financial advisor hasthe say.

Working with a financial professional can beone of the smartest things you can do to ensureyou reach your personal and financial goals. Fol-lowing these fundamental guidelines can go a longway in helping you get the most out the workingrelationship with your financial advisor.

Les Branson and Clay Burckhalter are FinancialAdvisors with MEMBERS Financial Serviceslocated at SRP Federal Credit Union. If you haveany questions, or would like to provide feedback,regarding the information presented in this article,you may contact Les or Clay at 803-510-3835.

Representative is not a tax advisor or legal expert. For infor-mation regarding specific tax situations, please contact a taxprofessional. For legal advice, consult an attorney. Representatives are registered, securities are sold, and invest-ment advisory services offered through CUNA BrokerageServices, Inc. (CBSI), member FINRA/SIPC, a registeredbroker/dealer and investment advisor, 2000 Heritage Way,Waverly, Iowa 50677, toll-free (866) 512-6109. Nondepositinvestment and insurance products are not federally insured,involve investment risk, may lose value and are not obliga-tions of or guaranteed by the financial institution. CBSI isunder contract with the financial institution, through thefinancial services program, to make securities available tomembers. FR040818-78DA

Tips from Visa for Preventing Fraud2012 Calendar Contest

E-Statements: GoGreen in a SecureEnvironment!

Mail and Phone

Federal Regulation D

What is Regulation D?

• Automatic transfer(overdraft transfer)

• PC TYME*• Preauthorized transfer• Telephone Request • TYME Line**

• Automatic transfer(overdraft transfer)

• PC TYME*• Preauthorized transfer• Telephone Request • TYME Line**

• Check• Draft• Debit card• PC TYME*• Electronic Payments• TYME Line**

Transfers or withdrawals madeto another account if made by:

Transfers or withdrawals to athird party, if made by:

Transfers to a third party, ifmade by:

Limited Transfers and Withdrawals for Savings Accounts (6 per Statement Period)

• Mail• Messenger• ATM• In person

• Mail• Messenger• ATM• In person• Telephone Request

Automatic payment transfers for the purposeof repaying loans.

Transfers from one account toanother if made by:

Withdrawals to you from theaccount if made by:

Unlimited Transfers and Withdrawals for Savings Accounts (Per Statement Period)

*PC TYME is online banking **TYME Line is our automated response system

Helpful tips:

Make recurring electronic

payments from your checking

account

Keep sufficient balances in

your checking account to

avoid overdraft transfers from

your savings account

Use a line of credit for over-

draft protection instead of

your savings account

Perform transactions at an

ATM or in person

Regulation D is a federal law that places a monthly limit (6) on the number of transfersyou may make from your Savings Accounts without your physical presence being required.Transfers affected by this regulation therefore include:

Do you want to receive your tax

refund or paycheck automatically

in your account?

If so, please provide your cor-

rect account number located on

the bottom of your checks.

Please do not use the account

number information on your state-

ment, PC TYME, or member identi-

fication account card. If you do not

have a checking account, please see

a Member Service Representative at a

branch, or call the phone center at

803-278-4851 or 800-237-9829, for

the correct account number to pre-

vent misdirected or returned deposits.

For more information, visit us

online at www.srpfcu.org.

Regulations require SRP Federal

Credit Union to return all direct

deposits with incorrect account

numbers.

253278090 1234567891 5770

SRP FCU’sRouting Number

AccountNumber

5770

Get it Right! Get it Fast!“Tax Refund and Direct Deposit”

6

Local Phone Numbers:

(803) 278-4851(803) 649-5305(803) 259-2781

Toll Free:1-800-237-9829

Web Address:www.srpfcu.org

TYME Line803-278-5590803-648-9340

1-800-554-TYMEMEMBERS and Counting...

0 9 8 8 2 3

5

2011 Holiday ScheduleMonday, January 17..........................................Martin Luther King, Jr. DayMonday, February 21..........................................................Presidents’ DayMonday, May 30..................................................................Memorial DayMonday, July 4 ..............................................................Independence DayMonday, September 5 ................................................................Labor DayMonday, October 10............................................................Columbus DayFriday, November 11 .............................................................Veterans DayThursday, November 24...................................................Thanksgiving DayMonday, December 26.........................................Christmas Day celebrated

Winter 2010

In This IssuePage 2

Members Financial Services

2012 Calendar Contest

Page 3

Federal Regulation D

Get it Right! Get it Fast!

Page 4

Tips for Preventing Fraud

E-Statements: Go Green

Page 5

SRP Changes Credit Insurance Provider

Involuntary UnemploymentDebt Protection

Professional Bull Riding

Page 6

Shred Schedule

Holiday Schedule

Fee Changes

Key Financial Indicators

Key Financial Indicators12/1/2010 ($000)Assets $544,982Loans $362,553Shares $210,887Share Drafts $112,206Share Certificates $170,676

www.srpfcu.org

Jan. 18, Tues. – Pine LogJan. 24, Mon. – North AugustaJan. 25, Tues. – Davis Road

April 18, Mon. – Pine LogApril 19, Tues. – North AugustaApril 25, Mon. – Davis RoadApril 26, Tues. – Barnwell

July 18, Mon. – Pine LogJuly 19, Tues. – North AugustaJuly 25, Mon. – Davis Road

Oct. 17, Mon. – Pine LogOct. 18, Tues. – North AugustaOct. 24, Mon. – Davis Road

2011 Shred ScheduleAvailable 4:00 - 5:30 PM

For branch locations visit us at www.srpfcu.orgPlease remember shredding is available to members for personal documents only. Thank you!

Blood Drive Scheduled for SRP

The Shepeard Community Bloodmobile is scheduled to be in the Walnut Lane Branch (1070 Edgefield Road, NorthAugusta, SC) parking lot from 10:00 a.m. until 2:00 p.m. on Friday, January 7,

to take blood donations.

Give the gift of life! Be a blood donor.

SRP’s 51stAnnual Meeting

Collection Item Fee $40.00Pursuant to our Agreements with you we haveaccepted your deposit for collection only. This meansthe Credit Union is only seeking to collect thedeposit(s) on your behalf. You will not have accessto the funds until such time as the Credit Union actu-ally collects payment for the deposit from thedrawee or source indicated and that paymentbecomes irrevocable based upon our sole determina-tion. There is no limit on how long it may take usto collect and make these funds available to you.

Gift Card Maintenance Fee $5.00Monthly beginning thirteenth month after twelvemonths of non-use and will occur each month untiltransaction activity resumes or the available balanceis zero.

FEE CHANGES

Thursday, March 10, 2011Etherredge Center (USCAiken)Meet the Candidates 6:00 pmBusiness Meeting 7:00 pmVote for your credit union leaders!

The Martinez Branch in the WestTown Shopping Center on Washing-ton Road has closed their doors andmoved down the road! The newbranch is located at 125 Davis Roadin Martinez and will be better able toserve the needs of members. Theexpress facility on Rose Street has alsoclosed and employees there joined the

staff at Davis Road, which houses an eight lane drive through. The DavisRoad branch will have an officialgrand opening in the coming weeks,but they are now open for business.Jenny Mutimer, who managed theMartinez branch, has moved to thenew location along with her staff.

The ATM in the West Town Shop-ping Center will remain open. Thedeposit and drive through ATMs atthe Rose Street Express will remainopen until they are ready to be movedinto the new ATM location in front ofthe Davis Road branch.

Stop by the new Davis Road loca-tion soon. The staff is anxious to showyou around our newest facility!

Martinez Branch and Express Moved to New Location

Great news! Effective January 1,2011 we will begin offering creditinsurance through Minnesota LifeInsurance Company. We arepleased to offer new *Credit Lifeand *Credit Disability insuranceplans which offer improved benefitsand at a lower cost to our members.• Credit Disability coverage isdecreasing from $2.20 to $1.95per $1,000 of the outstandingloan balance per month.

• Members with qualifying disabili-ties will be able to file claims aftera 14-day waiting period instead ofa 30-day waiting period. If you are currently receiving

credit disability benefits, this changedoes not affect your benefit status.

Any benefits due toyou in connectionwith your currentcredit disabilityclaim will be paidunder the terms ofthe previous insur-ance provider. Credit Life and Credit Disability

insurance provide important bene-fits that offer you and your familyvaluable financial security. Benefits include the following:• Pays off your covered loan bal-

ance* in the event of death, andmakes payments for you in theevent of disability.

• Protects your lifestyle and that ofyour loved ones.

• Protects your credit rating.• Provides coverage at low group

rates that are the same for everyeligible borrower.If you have any questions

concerning our new credit insuranceprograms, please contact one of ourloan representatives or call us at803.278.4851 or 800.237.9829.

SRP Changes Credit Insurance Provider to Save

Members Money!

Life is unpredictable. Involuntary Unemploy-ment Debt Protection can help relieve financialpressure in the event of involuntary unemploy-ment. With Involuntary Unemployment DebtProtection, your monthly loan payments will becancelled without penalty or added interest. Youbenefit from the peace of mind knowing you andyour credit rating are protected. Watch your mail in January for information on our openenrollment period.

This product is available for closed-end con-sumer loans. If you have any questions concerning our new InvoluntaryUnemployment Debt Protection program, please contact one of our loanrepresentatives or call us at 803.278.4851 or 800.237.9829.

*Credit Life and Credit Disability are optional and may be cancelled at any time. These products are provided by third parties; and are not products of the Credit Union. Anyrights, obligations or claims with regard to such products shall be solely between you and the party providing the products. The Credit Union does not endorse any providers andoffers information on these products only as a service to members. There are other providers of such products from whom you may obtain these products. Maximum coverage limitsup to $75,000 per loan.

ProfessionalBull Riding Touring Pro Division

Friday andSaturday

January 21st & 22nd 8pm

James Brown ArenaAugusta, Georgia

Save $3 Per Ticket when using the Promotion Code!Visit georgialinatix.com or call 877-428-4849Promotion Code: GSRP

SRP Now Offers *Involuntary Unemployment Debt Protection

*Involuntary Unemployment Debt Protection is optional and may be cancelled at any time. This product isprovided by third parties and is not a product of the Credit Union. Any rights, obligations or claims withregard to such products shall be solely between you and the party providing the products. The Credit Uniondoes not endorse any providers and offers information on these products only as a service to members. DebtProtection products are non-insurance products.

New Website Coming Soon!

6

Local Phone Numbers:

(803) 278-4851(803) 649-5305(803) 259-2781

Toll Free:1-800-237-9829

Web Address:www.srpfcu.org

TYME Line803-278-5590803-648-9340

1-800-554-TYMEMEMBERS and Counting...

0 9 8 8 2 3

5

2011 Holiday ScheduleMonday, January 17..........................................Martin Luther King, Jr. DayMonday, February 21..........................................................Presidents’ DayMonday, May 30..................................................................Memorial DayMonday, July 4 ..............................................................Independence DayMonday, September 5 ................................................................Labor DayMonday, October 10............................................................Columbus DayFriday, November 11 .............................................................Veterans DayThursday, November 24...................................................Thanksgiving DayMonday, December 26.........................................Christmas Day celebrated

Winter 2010

In This IssuePage 2

Members Financial Services

2012 Calendar Contest

Page 3

Federal Regulation D

Get it Right! Get it Fast!

Page 4

Tips for Preventing Fraud

E-Statements: Go Green

Page 5

SRP Changes Credit Insurance Provider

Involuntary UnemploymentDebt Protection

Professional Bull Riding

Page 6

Shred Schedule

Holiday Schedule

Fee Changes

Key Financial Indicators

Key Financial Indicators12/1/2010 ($000)Assets $544,982Loans $362,553Shares $210,887Share Drafts $112,206Share Certificates $170,676

www.srpfcu.org

Jan. 18, Tues. – Pine LogJan. 24, Mon. – North AugustaJan. 25, Tues. – Davis Road

April 18, Mon. – Pine LogApril 19, Tues. – North AugustaApril 25, Mon. – Davis RoadApril 26, Tues. – Barnwell

July 18, Mon. – Pine LogJuly 19, Tues. – North AugustaJuly 25, Mon. – Davis Road

Oct. 17, Mon. – Pine LogOct. 18, Tues. – North AugustaOct. 24, Mon. – Davis Road

2011 Shred ScheduleAvailable 4:00 - 5:30 PM

For branch locations visit us at www.srpfcu.orgPlease remember shredding is available to members for personal documents only. Thank you!

Blood Drive Scheduled for SRP

The Shepeard Community Bloodmobile is scheduled to be in the Walnut Lane Branch (1070 Edgefield Road, NorthAugusta, SC) parking lot from 10:00 a.m. until 2:00 p.m. on Friday, January 7,

to take blood donations.

Give the gift of life! Be a blood donor.

SRP’s 51stAnnual Meeting

Collection Item Fee $40.00Pursuant to our Agreements with you we haveaccepted your deposit for collection only. This meansthe Credit Union is only seeking to collect thedeposit(s) on your behalf. You will not have accessto the funds until such time as the Credit Union actu-ally collects payment for the deposit from thedrawee or source indicated and that paymentbecomes irrevocable based upon our sole determina-tion. There is no limit on how long it may take usto collect and make these funds available to you.

Gift Card Maintenance Fee $5.00Monthly beginning thirteenth month after twelvemonths of non-use and will occur each month untiltransaction activity resumes or the available balanceis zero.

FEE CHANGES

Thursday, March 10, 2011Etherredge Center (USCAiken)Meet the Candidates 6:00 pmBusiness Meeting 7:00 pmVote for your credit union leaders!

The Martinez Branch in the WestTown Shopping Center on Washing-ton Road has closed their doors andmoved down the road! The newbranch is located at 125 Davis Roadin Martinez and will be better able toserve the needs of members. Theexpress facility on Rose Street has alsoclosed and employees there joined the

staff at Davis Road, which houses an eight lane drive through. The DavisRoad branch will have an officialgrand opening in the coming weeks,but they are now open for business.Jenny Mutimer, who managed theMartinez branch, has moved to thenew location along with her staff.

The ATM in the West Town Shop-ping Center will remain open. Thedeposit and drive through ATMs atthe Rose Street Express will remainopen until they are ready to be movedinto the new ATM location in front ofthe Davis Road branch.

Stop by the new Davis Road loca-tion soon. The staff is anxious to showyou around our newest facility!

Martinez Branch and Express Moved to New Location

Great news! Effective January 1,2011 we will begin offering creditinsurance through Minnesota LifeInsurance Company. We arepleased to offer new *Credit Lifeand *Credit Disability insuranceplans which offer improved benefitsand at a lower cost to our members.• Credit Disability coverage isdecreasing from $2.20 to $1.95per $1,000 of the outstandingloan balance per month.

• Members with qualifying disabili-ties will be able to file claims aftera 14-day waiting period instead ofa 30-day waiting period. If you are currently receiving

credit disability benefits, this changedoes not affect your benefit status.

Any benefits due toyou in connectionwith your currentcredit disabilityclaim will be paidunder the terms ofthe previous insur-ance provider. Credit Life and Credit Disability

insurance provide important bene-fits that offer you and your familyvaluable financial security. Benefits include the following:• Pays off your covered loan bal-

ance* in the event of death, andmakes payments for you in theevent of disability.

• Protects your lifestyle and that ofyour loved ones.

• Protects your credit rating.• Provides coverage at low group

rates that are the same for everyeligible borrower.If you have any questions

concerning our new credit insuranceprograms, please contact one of ourloan representatives or call us at803.278.4851 or 800.237.9829.

SRP Changes Credit Insurance Provider to Save

Members Money!

Life is unpredictable. Involuntary Unemploy-ment Debt Protection can help relieve financialpressure in the event of involuntary unemploy-ment. With Involuntary Unemployment DebtProtection, your monthly loan payments will becancelled without penalty or added interest. Youbenefit from the peace of mind knowing you andyour credit rating are protected. Watch your mail in January for information on our openenrollment period.

This product is available for closed-end con-sumer loans. If you have any questions concerning our new InvoluntaryUnemployment Debt Protection program, please contact one of our loanrepresentatives or call us at 803.278.4851 or 800.237.9829.

*Credit Life and Credit Disability are optional and may be cancelled at any time. These products are provided by third parties; and are not products of the Credit Union. Anyrights, obligations or claims with regard to such products shall be solely between you and the party providing the products. The Credit Union does not endorse any providers andoffers information on these products only as a service to members. There are other providers of such products from whom you may obtain these products. Maximum coverage limitsup to $75,000 per loan.

ProfessionalBull Riding Touring Pro Division

Friday andSaturday

January 21st & 22nd 8pm

James Brown ArenaAugusta, Georgia

Save $3 Per Ticket when using the Promotion Code!Visit georgialinatix.com or call 877-428-4849Promotion Code: GSRP

SRP Now Offers *Involuntary Unemployment Debt Protection

*Involuntary Unemployment Debt Protection is optional and may be cancelled at any time. This product isprovided by third parties and is not a product of the Credit Union. Any rights, obligations or claims withregard to such products shall be solely between you and the party providing the products. The Credit Uniondoes not endorse any providers and offers information on these products only as a service to members. DebtProtection products are non-insurance products.

New Website Coming Soon!