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MARCH 2008 Loan Rates ** Vehicles as low as 4.25% APR* Signature Loan as low as 8.25% APR* Line of Credit as low as 8.25% APR* Visa Platinum as low as 8.90% APR* Keyline HELOC as low as 5.00% APR* Negative Information Notice: We may report information about your loan and deposit accounts to credit bureaus. Late payments, missed payments, or other defaults on your accounts may be reflected in your credit report. *APR=Annual Percentage Rate. Your rate may be higher based on your credit performance. Rates subject to credit approval. Vehicle and Signature loan rates include discounts. Rates effective 2/15/08 and are subject to change without notice. Loyalty Pays with Prestige Checking At Telco, we value your membership and our relationship. With our Prestige Checking Account
youll earn 200 basis points above our regular savings rate on deposits up to $10,000. Currently, that would be a rate of 4% APY*! With Prestige Checking you also get free electronic services:
Online Banking
Online Bill Payer
eStatements To open your Prestige Checking account, simply have an active loan or VISA Platinum credit card,
an active SmartCash debit card and Direct Advantage (net pay of at least $800 a month)*. Thats
it easy, convenient and smart! Contact us today at (502) 459-3000 or (800) 292-9490. *APY=Annual Percentage Yield. A periodic rate of 4% earns 4.06% annual percentage yield. You Are What You Drive Telcos C.A.R. -Complete Auto Resource program has an auto loan tailored to suit you, at a great rate! Kentucky Telco is your C.A.R. Complete Auto Resource for a personalized auto loan experience. Because every member is different, we have several resources through our C.A.R. program to help you find the right vehicle, at a GREAT price and a GREAT rate! Well give you the knowledge you need to make the best decision! New or Used Vehicle - Same Low Rate! Now is the Time- Buy while Rates are Low! Get pre-approved before you shop by calling us at (502) 459-3000 or (800) 292-9490. You can also apply online at www.kytelco.com Branch Locations LOUISVILLE, KY Main Office 3740 Bardstown Road (502) 459-3000 1-800-292-9490 University of Louisville 2126 South Floyd Street (502) 852-6711 Medical Towers South 234 East Gray Street, Suite 170 (502) 625-1310 Stonefield Square in Middletown 10486 Shelbyville Road (502) 253-3740 Okolona 4816 Outer Loop (502) 962-7455 Starks Building Downtown 455 South Fourth Street, Suite 117 (502) 625-1300 Dupont Square 4004 Dutchmans Lane (502) 891-4550 Riverport 7215 Riverport Plaza Drive (502) 719-1228 Nia Center 2900 W Broadway (502) 776-6166 Westport CU Service Center 2925 Goose Creek Road (502) 429-0068 Sears Plaza CU Service Center 4917-B Dixie Highway (502) 448-1686 LEXINGTON, KY Bluegrass Service Center 2549 Regency Road (859) 278-2263 OWENSBORO, KY 933 Tamarack Road (270) 686-7707 HARRODSBURG, KY 106 Commercial Drive (859) 734-2923 BELLE, WV 1401 West DuPont Avenue (304) 949-1779 MAX24 Telephone Teller - 502-451-1370 or 1-800-221-6279 MABel Online Banking - www.kytelco.com RATES ARE FALLING! Your credit union membership definitely has its benefits. One of the more visible
benefits is the higher rate of return presently being paid on certificates. Telco
consistently maintains rates that outperform the local marketplace. We monitor
our rates against the competition every week and I can assure you that week in
and week out through the year we consistently pay a higher rate than the major
banks in the area. This does not mean that on any given day we will have the highest rates in town
on every savings product. There are simply too many specials and gimmick
plans in the marketplace to attempt to compete with. Often
if you check the math carefully on the special rates you
will find that the returns amount to only a very few
dollars per year. They really are not so special after all,
and probably not worth your time. Members may purchase regular or IRA certificates
for as little as $500 and for terms of 6, 12,
24, 36, 48 or 60 month. Or if you wish a
certificate for other than the standard
terms, we will be happy to issue a
certificate for whatever term you want
from 6 to 60 months. If you are not
already a certificate holder, youre
missing a good thing. During this period of nearly record
low rates on savings products, and
the stock market yielding mostly
negative returns, a safe, secure,
insured Telco certificate is a wise
choice for your funds.
Harry E. Bellew
President / CEO Presidents Message FraudWatch for your Debit Card Debit fraud is a serious business. So, Telco
is watching out for our members by adding
FraudWatch to your SmartCash Debit Card.
Now you have round-the-clock protection
against the increasingly savvy perpetrators for
debit card fraud. How does it work? Through an important
partner of ours we provide industry leading
technology, tools and the expertise to manage
fraud. Experienced fraud analysts work around
the clock, watching for any suspicious card
activity and will contact you immediately if they
detect potential fraud on your card. So if you
ever get a call from Fraud Prevention Services
know that our watchdogs are doing their job
and preventing potential fraudulent use of your
card. Because FraudWatch looks for unusual
card activity, it may be a good idea to contact
Telco if you are ever traveling to a place you
have never been before or buying an expensive
item at a store youve never shopped at before. Fraud is serious business, and can hit anytime.
That is why we are always on guard to detect
and prevent fraud from happening to you.

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