BREAKING NEWS

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BREAKING NEWS FREE ONLINE BILL PAYING*. Free Online Bill Paying* from IBM Southeast Employees' Federal Credit Union makes paying your bills quick and easy. Save time and
money by eliminating checks, envelopes and stamps. Visit www.ibmsecu.org, click on the Online Bill Paying link and follow the simple instructions. Take advantage of this great,
FREE service today! *Online Bill Paying is free for the first 90 days. After 90 days, Online Bill Paying is free for Bronze, Silver, Gold, Platinum and Diamond level Members.
Credit Union Checking account required. CREDIT UNION ACCESS – NATIONWIDE. Greater financial convenience is just around the corner.
Access your Credit Union accounts at thousands of Shared Service locations, Publix ATMs and other
convenient ATMs. More specifically, IBM Southeast EFCU Members can: ♦ Make free deposits and withdrawals at Shared Service Centers in hundreds of nationwide locations* ♦ Make free deposits at Florida Publix Presto ATMs in
Palm Beach, Broward and Dade counties* ♦ Receive cash-back benefits at no charge from many
nationwide Point-of-Sale retail locations ♦ Make surcharge–free withdrawals at Publix Presto ATMS* ♦ Make deposits, withdrawals, transfers, check balances and more at any
CU24/Members Access network ATM* Log onto www.ibmsecu.org for Credit Union, Shared Service, Publix and other ATM locations. *Shared Service Center ATMs may assess a surcharge for withdrawals. In addition, depending on your REWARDS level, you may be subject to a service fee for using an ATM for withdrawals and balance inquiries not owned
by IBM Southeast EFCU. All ATM transactions are subject to verification and check holds may apply to Shared Service Center and ATM deposits. Please refer to “Important Information for Our Members” or contact us at
serviceplus@ibmsecu.org for more information on our Funds Availability/Hold Policy. YOUR AUTO LOAN*CAN BRING REWARDS. ♦ Apply online and receive $25** ♦ Payment Protection, Extended
Warranties and GAP Total Loss Protection ♦ Take advantage of our REWARDS program:*** – Checking with no minimum balance fees
– No Credit Union ATM fees at any ATM
– Free Online Bill Paying For more information, please log on to www.ibmsecu.org or contact a Member Service Representative at (800) 873-5100, (561) 982-4700 or loans@ibmsecu.org. *APR=Annual Percentage Rate. 3.24%APR interest rate applies to new vehicle/24-72 month loans with new or existing Credit Union VISA credit card in good standing at the time of the vehicle application. The new vehicle 24-72 month
interest rate without a Credit Union VISA credit card is 3.49%APR. Used vehicle interest rate is 4.24%APR for 24-60 month loans with new or existing Credit Union VISA credit card in good standing at the time of the vehicle application.
The used vehicle 24-60 month interest rate without a Credit Union VISA credit card is 4.49%APR. Valid model years: 2000-2004. Rate(s) valid May 1- May 31, 2004. Rates subject to change without notice. Prevailing loan terms may
apply. Offer not valid on refinanced Credit Union Loans. All IBM Southeast EFCU auto loans are subject to income and identification verification and credit approval. IBM Southeast EFCU is an Equal Opportunity Lender, and we do
business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. **$25 will be deposited into your Membership Savings account upon loan disbursement. Credit Union employees not eligible. Subject to change without notice. *** See a REWARDS brochure for details. Online Bill Paying is free for the first 90 days. After 90 days, Online Bill Paying remains free for Bronze, Silver, Gold, Platinum and Diamond level Members. Credit Union Checking
account required. Gold, Platinum and Diamond level Members receive no IBM Southeast EFCU fees at any ATM. Non Credit Union surcharge ATM fees may apply. AND THE WINNER IS... Congratulations to Thomas Tosh, from Marietta, GA, who won $50 in our Winter newsletter contest. He was selected in a random drawing
after finding the hidden answer to the question: Q: IBM Southeast EFCU Member funds are insured up to what amount by NCUA? The answer was $100,000. Due to Member feedback, we have decided to discontinue The Found Money contest in Breaking News. Instead, you will find special offers and
contests online at www.ibmsecu.org. Visit the eOffer page today and see what’s new! COMPLETE COVERAGE... MORE THAN JUST A ROOF OVER YOUR HEAD. When it comes to homeowners’ insurance, you can spend a lot of valuable time chasing down quotes and coverage plans –
or you can do things the easy way by contacting Members Insurance Services, LLC. Whether you own or rent your home, it’s
important to insure your personal property – and to make sure you have enough coverage. If your current policy is within
45 days of renewal, or you’re looking for a brand new policy, it’s time to contact a Members Insurance Services representative.
They will put together a program that makes sense for you. Cover your dwelling, contents, liability, jewelry, fine art, your home
office equipment – and much more. Members Insurance Services, LLC is a subsidiary of IBM Southeast Employees’ Federal Credit Union, and offers a full range of insurance services. You’ll get more choices
and personal service – all from someone you trust. Contact a representative to discuss your options today at www.membersinsuranceservices.com, or call (877) 981-8448. Rates as low as 3.24%APR* between May 1-May 31, 2004 IS A CREDIT UNION A BANK? No. Although a Credit Union, like a Bank is a financial institution and offers many of the same products and services, there are many factors that
set it apart. Credit Unions are owned by all of their Members. The Board of Directors is elected by the Membership and serves in a volunteer capacity.
Lastly, Credit Unions are not-for-profit institutions; therefore, the money they make is passed back to their Members in the form of higher yields, lower
interest rates and lower fees. What makes IBM Southeast Employees' Federal Credit Union a unique Credit Union? Our personalized service, without it we would
be just another financial institution. SHARE YOUR FINANCIAL GOALS WITH US. WE CAN HELP YOU. In today’s fast-changing financial world, saving money isn’t enough. You need to invest your money wisely and set targets to achieve your goals. You need a personal
approach that’s customized for you. Financial Services Representatives are there to share your goals, assess your situation and work with you to achieve the financial
stability you desire. Find out more about: ♦ Retirement Planning: IRA, Roth IRA, 403(b), and 401(k) Rollover ♦ Estate Planning: Trusts, Maximize Transfer of Assets ♦ College Planning: Coverdell, Education IRAs, 529 Plans ♦ Tax Strategies ♦ Investment Accounts: Insurance Annuities, Mutual Funds, Stocks & Bonds ♦ Long-Term Care and Life Insurance ♦ Transition Planning: Changing employers or careers? Contact a Financial Services Representative in your area today: In Boca Raton, call Christi Seay at (561) 982-4700, ext. 4772 or Jim Galloway at (561) 982-4700, ext. 7729 In Tampa, contact Barbara Leschander at (727) 848-2219 In Atlanta, call Jay Jones at (678) 797-6303 In all other areas, call (800) 873-5100, ext. 4772 Securities offered through Wellstone Securities, LLC. Member NASD/SIPC. Investment products offered are not FDIC, NCUA or NCUSIF insured. Investment products are not obligations of or guaranteed
by the Credit Union, involve investment risk including the possible loss of principal, and may lose value. SOMETHING TO SMILE ABOUT. IBM Southeast EFCU is proud to offer a benefit that can provide substantial savings for you and your family on virtually all of your dental needs. It’s called Dental Benefits
Plus and costs only $9.95 per month for an individual and $11.95 per month for an entire family. Highlights of the program include: ♦ Dental benefits provided by a G.E. Financial Company* ♦ NO CHARGE for routine exams ♦ NO CHARGE for bitewing x-rays ♦ More than 13,000 dentists and specialists nationwide ♦ Savings of up to 50% ♦ No-risk 30-day money back guarantee Plus, you can save up to 60% on your vision needs, prescription drugs, and chiropractic services too. And with Dental Benefits Plus there
are no claim forms, no deductibles, no contracts, no waiting periods and no exclusions for pre-existing conditions. For more information or to enroll in Dental Benefits Plus, visit www.ibmsecu.org or call toll free (877) 293-PLUS (7587). *Dental Network is maintained by Signature Agency, Inc. a GE Financial Company. THE FAST LANE TO FINDING A CAR. Time to shop for a new car, SUV, pickup or truck? With so many choices, how do you locate the best choice at the best price? IBM
Southeast EFCU has the key. It’s called Auto Acquisition: an exclusive service for Credit Union Members.* ♦ Attractive prices on the exact make and model you want – often a lower price than dealers will quote* ♦ Competitive interest rates* ♦ Direct delivery of your vehicle to the nearest branch of your Credit Union, for easy pickup ♦ GAP Total Loss Protection at rates better than car dealerships offer** ♦ Professional service in every area of auto expertise – from people you trust ♦ Off-lease vehicles for sale at special prices Contact your Auto Acquisition Representative today:
In Florida, call Al Gonzalez at (561) 982-4700, ext. 7740 – or (800) 873-5100, ext. 7740. In Atlanta, call Jim Styne at (770) 509-2571. In other areas, call (800) 493-2955.
You may also visit our Web site at www.ibmsecu.org. *All IBM Southeast EFCU auto loans are subject to certain qualifications and credit approval. IBM Southeast EFCU is an Equal Opportunity Lender, and we do business in accordance with the Federal Fair Housing Law and the Equal
Credit Opportunity Act. For more information, please refer to the booklet "Your Loan Disclosures" available on our Web site, or contact a Member Service Representative at (800) 873-5100 or (561) 982-4700, or e-mail
loans@ibmsecu.org for full details.
**Auto Acquisition and GAP Total Loss Protection administered by Alliance Leasing Corporation.

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