• Remodel Before The Holidays!
• New and Improved Debit and ATM Cards
• Purchasing Power In The Palm Of Your Hand!
• Your Accounts Are Just A Phone Call Away!
• A Message From The Manager/CEO

• The Most Wonderful Time Of The Year!
• CU News
• Auburn Community FCU Opens Prospect Street Branch
• All You Need Is This Address
• Privacy Notice

Renovate your kitchen, bath or basement this fall without straining your budget. You may even replace your windows or put on new siding before the snow flies. Apply now for one of these great low interest loans.

Home Equity Line Of Credit
As Low As Prime Rate!**
Call Or Come In To Speak With Our Loan Department And Get Started Today!

*APR = Annual Percentage Rate. Rates subject to change without notice. Contact the credit union for complete loan details.

**Prime = Prime Rate published in the money Rates column of the Wall Street Journal. When a range of rates has been published, the highest rate will be used. We will use the most recent index value available to us as of 45 days before the date of any quarterly percentage rate adjustment. Wall Street Journal Prime rate as of 10/3/07 is 7.75%. The APR may vary monthly and will not exceed 18.00%. For more details, please contact our Loan Department.

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Over the next few months, we will be re-issuing members’ ATM and Debit cards in order to provide members with cards that have the latest security features to help minimize the risk of fraud. Below are the advantages of undertaking this re-issue.

We will be adding an enhanced fraud prevention monitoring system as well as upgrading the look of our plastic cards. Please be aware that we will be sending information along with your new card that will explain these security features as well as providing you with tips on how to safely and securely conduct transactions using your card in person, over the phone or on the internet.

With the recent consumer data compromises across the country, and even the world, it has become increasingly important that we address this issue in a pro-active manner rather than a reactive one. Auburn Community FCU wants to ensure that we are doing all that we possibly can to protect and prevent fraud from occurring via your Visa^® Check Card or ATM Card.

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Whether you’re wondering how you’re going to take care of holiday expenses, worried about that next college tuition payment, or just thinking about everyday shopping, an Auburn Community FCU VISA^® Credit Card is just what you need. With an affordable low fixed rate, our fee-free VISA Credit Card puts purchasing power in the palm of your hand. Take a look at the benefits:

• No Annual Fee
• No Minimum Finance Charge
• No Balance Transfer Fee
• No Cash Advance Fee
• No Transaction Fee

Applying Is Easy!
Stop by the credit union or call (315) 253-2934 to apply or for more details.

*APR=Annual Percentage Rate. Rate shown for qualified borrowers. Contact the credit union for complete credit card program details.

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When you can’t make it the credit union, you can still easily manage your money. Access your accounts by phone – any time, day or night. Simply dial (315) 282-0175 to access our Audio Response System. Follow the menu prompts to access account balances, transfer funds, listen to your account history, and much more. Use the handy guide below as a quick reference for our system’s menu prompts.

Audio Teller Numbers Local: 315-282-0175 • Toll-Free: 1-888-282-0175
Main Menu 01- Transactions 02- Balances 03- Share Draft 04- History 05- Dividends 06- Rates 07- Other Options Transactions Menu (01 From Main Menu) 01- Share To Share Transfer 02- Share To Loan Transfer 06- Transfer To        Another Member 07- Transfer To Another        Member’s Loan Balances Menu (02 From Main Menu) 01- Share Draft Balance 02- Share Account Balance 03- Loan Balance 04- CD Balance 05- IRA Balance   98 Will Always End The Call 99 Will Always Replay       Menu Options ## Will Always Return       To The Main Menu	Share Draft Menu (03 From Main Menu) 01- Cleared Drafts 02- Deposits 03- Cleared Drafts By Draft # History Menu (04 From Main Menu) 01- Share Draft Deposits 02- Share Deposits 03- Share Withdrawals 04- ATM Transactions 05- ACH Deposits 06- ACH Withdrawals 07- Payroll Deposits Dividends/Interest Menu (05 From Main Menu) 01- YTD Dividends 02- YTD Interest Paid 03- Prior Year YTD Dividends 04- Prior Year YTD         Interest Paid 05- Last Dividend Amount Rates/Services Menu (06 From Main Menu) 01- Lobby/Loan Hours 02- Drive Thru Hours 03- Voice Response Hours 04- Loan Rates 05- Savings Rates 06- Draft Rates 07- CD Rates	Other Options Menu (07 From Main Menu) 01- Calculate Loan Payoff 02- Loan Amortization 04- CD Maturity Date 05- Marketing Info 06- Member Voicemail 07- Current Date & Time 08- Change PIN Number

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I am pleased to announce the opening of our first branch location at 101 Prospect Street. I would also like to thank our Board of Directors and our Building and Grounds Committee for all their hard work and dedication to the construction of this new branch. As we continue to expand and grow to meet the needs of our members, we are already in the early planning stages of constructing our next branch in Cayuga County.

In other news, the credit union continues to advertise in The Citizen. Be sure to read the newspaper and look for our ads – we advertise frequently and often offer special deals and coupons!

Could you use some help achieving your financial goal? Our competitive loan rates are either comparable to or lower than many area banks and credit unions. We know that our rates must be fair and reasonable because more members are borrowing from the credit union now than ever before! If you need to borrow for any reason, we’ll be happy to be able to help you turn your financial dreams into a reality.

I would like to wish all of our members a safe and happy holiday season. Remember, you can always count on your credit union for all your financial needs.

Respectfully Yours,

Saverio “Sam” A. Scro

Manager/CEO

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Tired of getting stuck in a financial bind during the holidays? With a Holiday Loan, you can make the holiday season the most wonderful time of the year. Featuring an affordable fixed rate, our Holiday Loans provide you with some extra cash for that extra special gift, some holiday travel, or to consolidate your bills!

Hassle-Free Application Process
Stop by the credit union or give us a call at (315) 253-2934 for more information or to apply. But hurry, this special offer is only good until January 18, 2008!

*APR=Annual Percentage Rate. Rate shown for qualified borrowers. Contact the credit union for complete details.

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Holiday Closings
Your credit union offices will be closed to observe the following holidays:

Columbus Day
Monday, October 8, 2007

Veterans Day
Monday, November 12, 2007

Thanksgiving Day
Thursday, November 22, 2007

Christmas Eve
Monday, December 24, 2007
closing at 1:00 p.m.

Christmas Day
Tuesday, December 25, 2007

New Year’s Eve
Monday, December 31, 2007
closing at 3:00 p.m.

New Year’s Day
Tuesday, January 1, 2008

Holiday Club Accounts
A Holiday Club Account is a great way to make sure you’ve got the money for a memorable holiday season. And now is the perfect time to start thinking about next year’s holiday season. With a Holiday Club Account you make regular and consistent deposits – you’ll be surprised at how fast the savings adds up! Stop by the credit union or give us a call to open your 2008 Holiday Club Account today.

Fall Financial Seminar
Retirement – Guaranteed Withdrawal Income Benefit

Date: Thursday, October 25, 2007

Time: 6:00 p.m. – 8:00 p.m.

Location: Auburn Community FCU Branch Office
                101 Prospect Street

Speakers:
Dean Macris – Royal Alliance Assoc.
Chris Allegra – American Skandia

Call For Reservations: (315) 253-2934, ext. 214

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The Official Ribbon Cutting Ceremony took place on Friday, June 29th. Pictured from left to right are Paul Malinowski, Chief Operations Officer; Ron Oughterson, Supervisory Committee Member; John Brennan, Supervisory Committee Chairman; Thomas McNabb, Board Member / Supervisory Committee Member; Kathy Johnson, Board Member; Peter Killian, Board President; Saverio “Sam” Scro, Manager / CEO; JoAnn Montgomery, Board Member; and Cindy Greene, Branch Manager.

On June 4, 2007 the doors officially opened at our new branch office located at 101 Prospect Street in Auburn, NY. We are pleased to be able to provide our members with a convenient location in the heart of the shopping district on Grant Avenue.

Our new branch features a spacious lobby, 24-Hour Drive-Up ATM, and two drive-thru lanes. We also have added an LED sign to announce special promotions, rates and offers to the entire Cayuga County community.

The Grand Opening Celebration was held the week of June 25th thru June 29th. We had a cookout for our members as well as games and prizes. On Friday, June 29th, the ribbon cutting ceremony was held and was attended by many local dignitaries.

We are in the process of obtaining many photos of prominent landmarks and historical sites to be displayed at this branch. We want to make sure that our members realize that your credit union has been here for you since 1937, and that we have always been locally owned by our membership since that time. Your credit union is part of the many long-standing traditions that make this community a great place to live and work.

Please be sure to stop by and say hello to Cindy Greene, the Branch Manager at our Prospect Street office. She will be glad to speak with you and assist you with anything you may need.

Even though we have added a new location, you can still reach either office by calling
(315) 253-2934. The only difference between the two offices is that on Tuesday, the Prospect Street branch will open at 9:15 AM instead of 9:00 AM.

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Managing your finances has never been easier. You no longer need to make an extra trip to the credit union to transfer your funds or view your account balances. So many of your financial transactions can now be completed from the comfort and privacy of your home or office. Our online Home Banking and electronic Bill Pay services make it easier than ever to safely and conveniently manage your money.

Money Management Made Easy
Access Home Banking to view your account balances, verify cleared checks, transfer funds between accounts, make loan payments, order new checks, and so much more. This free service makes money management easy, safe, and convenient.

The Easy Way To Pay Bills
Paying bills has never been easier! You no longer need to worry about writing out checks, worrying about late payments, or buying extra stamps. Enjoy the peace of mind knowing your bills are paid on time, every time with our free online Bill Pay service. Try it out today – it’s safe, fast, and easy!

What Are You Waiting For?
Start enjoying the convenience today! Sign up for Home Banking and our electronic Bill Pay service online or stop at a credit union branch.

Additional Online Resources
Our website is your 24-hour resource for credit union news and information. You can find information on current promotions, current rates, and learn all about our products and services – all online!

Payday Is Easier Than Ever With Direct Deposit
Add even more financial convenience when you sign up for Direct Deposit. Save yourself some time during your busy day by having your paycheck automatically deposited into your Auburn Community FCU Checking or Savings Account. Then use HomeCU Home Banking to conveniently access and manage your funds.

Dollar Dog Kids Club™
Accessible from our home page, the Dollar Dog link is your direct connection to a bunch of financial information designed for young children. Help get your kids on the path to financial success with our games, activities, and other financial information.

Cha-Ching! Teen Club™
Keep your teens on the right financial track with our online resource. With a separate site for teens and parents, Cha-Ching! offers a wealth of financial advice, tips, and tools for teenagers.

OnGuard Online
You can access OnGuard Online from our home page for practical tips to keep your personal information safe. The site provides tips from the federal government and the technology industry to help you be on guard against Internet fraud, and how to secure your computer and protect your personal information.

Check It Out Today!
Thanks for visiting www.auburnfcu.com today, be sure to check out all these great services and resources!

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