Brokaw Credit Union
Summer Newsletter 2009

Refinancing Also Available –
Lower Your Monthly Payments Instantly

Summer is here! It’s time for leisurely weekend drives and cross-country getaways to faraway lands…or maybe just an excursion around beautiful Brokaw. No matter where you’re headed this season, your credit union can save you money getting there. That’s because our Vehicle Loans offer some of the lowest interest rates and most flexible terms around!

Loans Tailored To Your Budget
Our New and Used Vehicle Loans can save you serious cash on your next vehicle purchase, or refinance your current loan from another financial institution at our low rates and lock in a lower payment.

Ride Off Into The Sunset With A New:
• Motorcycle
• RV
• Boat
• Camper
• Or Other Fun Summer Vehicle!

Save Big – Apply Today!
Call (715) 359-7012 to apply over the phone, or stop by and ask a Member Service Representative for more information. We’re happy to help you save on your vehicle!
Hurry, in for your summer fun today!

*APR=Annual Percentage Rate. Rates effective as of 6/1/09. Rates and terms subject to change without notice. Other rates and terms available. All loan refinancing offers apply to new money only. Contact the credit union for complete details.

Moola Party

The MONEY Conference

Mark Your Calendar!
Where: Northcentral Technical College
1000 W. Campus Drive, Wausau, WI
When: Saturday, October 3, 2009 • 8:30 a.m. – 3:30 p.m.
Why: Raise your net worth through financial literacy

Wausau’s 3rd Annual Money Conference, hosted by Brokaw CU and many other financial institutions, will take place again in October. The conference features activities for all ages, including educational activities for children, so bring the whole family!

During this one-day seminar, adults can learn about budgeting, credit scoring, homeownership, health care affordability and much more. Some of the presentations will be conducted in Hmong or Spanish.

Information and registration forms will be available at the credit union toward the end of summer. We look forward to seeing you at the conference!

Stop By & See Us At The Brat Fry!

Come rain or shine, smoke will be rising from Chef Cline’s grills in Brokaw on Tuesday, July 28, 2009. The Brat Fry is a 19-year tradition in Brokaw, so be sure to join us from 11 a.m.–2 p.m. for an affordable lunch: you can get two brats for $2.00, or two hamburgers for $3.00. Chips, soda and something a bit sweet will also be served. Just like last year, antique cars will be on display in the parking lot. Enjoy the tangible view of the past!

Large orders of more than 12 brats and/or burgers must be called in to (715) 675-2319 at least four hours in advance – preferably by 4:30 p.m. on Monday, July 27. You can pick up your order at the credit union the day of the Brat Fry.

We Hope You Can Join Us
Invite your family to join you at the Brat Fry and enjoy a summer picnic together! Look for us under the big green and white striped tent or follow the smoke signals to our site. It’s a wonderful time to enjoy the weather, some great food and one another!

You Could Win A Beautiful Gazebo!

Make a donation and you could win a great prize in the Children’s Miracle Network raffle. Buy your tickets right here at the credit union. Drawing will take place at the Wisconsin Rapids Balloon Rally And Music Festival on Saturday, August 29, at 8:30 p.m.

• First Prize: Handcrafted, 8’ Fancy Cedar Gazebo – Gazebo comes stained with a deck/ floor, screen enclosure and door, wind vane, ceiling fan and light. Prize includes delivery and set-up within a 50-mile radius of the raffle ticket outlet.
• Second Prize: 72” Cedar Wishing Well
• Third Prize: Deluxe Gazebo Bird Feeder With Base

Ticket Prices: 1 for $5, 3 for $10 and 10 for $20
Tickets Are Available At Brokaw Credit Union Until August 14, 2009 – Stop In To Get Yours Today!

Winner will be chosen August 29, 2009, from all eligible entries. The odds of winning depend on the number of eligible entries received. To enter, stop by the credit union. Need not be present to win. Contact Brokaw Credit Union for complete details.

It’s Time For CU Nights At The Ballpark!
Join The Tradition Of Family Summertime Fun

The highly attended, fun and festive Credit Union Nights at the Ballpark are happening again soon! Credit union members can choose between two game nights to attend free at Wausau Athletic Park.

Thursday, July 16 – Beach Night and Player Jersey Auction. The Woodchucks will be wearing special jerseys, some of which will be autographed and given away to fans in attendance, with others auctioned off after the game. The proceeds will be donated to Children’s Miracle Network.

Tuesday, July 28 – Woodchuck Youth Hat Night. Free Woodchuck hats will be given to the first 500 kids at the game!

The gates open at 5:35 p.m., and the games start at 6:35 p.m. Pick up your free game ticket at the credit union today – they go fast!

We Need Your Numbers!

It’s time to make sure we have your updated information on our system! If you’ve recently changed your address or phone number, or have gotten a cell phone, and have not notified us directly, please contact us to do so. We particularly request cell numbers for times we may need to contact you immediately, such as for suspicious check card transaction verifications! If our check card processor, Shazam, is unable to contact the cardholder regarding a
questionable transaction, they will put a block on the check card. This will disable further use of your card.

Verified By VISA® Update –
Your Accounts Are Protected!

Your VISA® Credit and/or Check Card has been equipped with Verified by VISA to help prevent unauthorized purchases online.

During checkout at participating online stores, you will encounter a message offering the opportunity to activate Verified by VISA for your card. You can choose to provide information to confirm your identity, then create your Verified by VISA password.

On future purchases at participating online stores, your Verified by VISA password will be required during checkout, ensuring your added safety.

Important Loan Balance Notice

Please note that when viewed through Home Banking, your Loan Balance does not represent the payoff amount; it is only the balance to date, not including interest due. For complete payoff information, please contact Brokaw CU.

Member Notes

Discounted Theme Park Tickets Available Now

NEW! Mt. Olympus
$23.50 + 50¢ handling fee
(save $16.50 on gate price)
Mt. Olympus in the Wisconsin Dells offers indoor and outdoor attractions, water rides, roller coasters and more.

Noah’s Ark
$25.00 + 50¢ handling fee
(save $12.09 on gate price)
Noah’s Ark features a haunting new adventure, The Curse of the Crypt – an archeological adventure into a foreboding cavern.

Great America
$32.00 + 50¢ handling fee
(save $24.64 on gate price)
As of this year, Great America offers a pirate-themed water raft ride with water soaking guns!
Stop by the credit union to pick up your discounted tickets today.

Holiday Closings

Brokaw Credit Union will be closed on:
Independence Day
Saturday, July 4, 2009
Labor Day
Monday, September 7, 2009

Your Credit Union Receives Financial Literacy Award

Brokaw Credit Union has been honored with the 2009 Governor’s Financial Literacy Award for developing a youth operated branch at D.C. Everest Senior High School and for providing financial education resources and instruction to
high school students.

At the high school’s credit union branch, student apprentices run the credit union’s day-to-day operations. The branch
helps students develop responsible financial habits while providing information about the value of saving and using credit responsibly. In addition, volunteers from Brokaw Credit Union provide classroom presentations and materials as tools for teachers and students.

“We try to teach young adults about financial responsibility and how to avoid some of the pitfalls they’ll face once they enter the real world,” noted Lyman Cline, president of Brokaw Credit Union. “From credit card offers to predatory lenders, they’ll need to be ready to make smart choices and avoid putting themselves in a bad financial situation right off the bat.”

The Governor’s Financial Literacy Award recognizes individuals and organizations for the excellence in promoting financial literacy to Wisconsin citizens. Brokaw Credit Union was honored to accept this prestigious award.

And The Winners Are…

Congratulations to our scholarship winners! Rebecca Pupp and Tyler Heil each received $300 towards a college education.

Our winners were chosen based on career plans and goals, GPA, financial need and a youth essay on the question: “If you were to plan a financial seminar for your peers, what specific agenda topics would you include, and why do you feel they would be worthwhile subject matter?”

Rebecca is a student at D.C. Everest and will attend the University of Louisville as a history major. Her respectful
attitude, focused interests, strong references and detailed essay on identify theft earned her this recognition.

Tyler is a graduate of Wausau East and will attend the University of Minnesota (Duluth) with a major in civil engineering. His trustworthiness, eye for detail and passion for his pursuits brought his name forward. His essay, which focused on student loans, was also highly regarded.

Both of our scholarship winners have been smart savers for several years now – in fact, they were charter members of BCU’s Moola Moola Children’s Savings Club in 1995!

Congratulations Rebecca and Tyler!

Introducing A New Travel Companion: The TravelMoney Card

For travelers who would wisely like to leave their account numbers at home, you can now purchase a prepaid VISA® TravelMoney Card. The card offers ATM and PIN access, is reloadable up to four times, and can be used worldwide at ATMs and stores that accept VISA. The TravelMoney Card is safe, secure and can be canceled if lost or stolen, reducing the chance of identity theft. Purchase price is $7.95.

Travel with peace of mind. Check out our new TravelMoney Card!

Check Out www.GiveMe20.com

Hey, parents! If you have children, teenagers or young adults ages 12-22 at home, there is a great website that can help you teach them financial management skills. Just go to www.GiveMe20.com for a wealth of information about
money management and financial products, all tailored to Generation Y.

Privacy Notice

Brokaw Credit Union is committed to making available financial products andservices that will enable members to meet their financial needs and reach their financial goals, while protecting and using personal information in a manner consistent with member expectations. This privacy notice will explain how we collect, use and safeguard your personal financial information.

In order to help you meet your financial goals, when it is allowed by Federal regulations and the respective member’s state regulations, we may disclose all of the information we collect, as described below, to companies that perform marketing services on our behalf, such as mailing houses or marketing survey companies, or to other financial service providers, such as insurance agents, with whom we have joint marketing agreements. We do not permit these companies to sell the information we provide them to other parties.

INFORMATION WE COLLECT AND MAY DISCLOSE ABOUT YOU
We collect and may disclose nonpublic personal information about you from the following sources:

• Information we receive from you on applications and other forms such as name, address, social security number and income;
• Information about your transactions with us or others such as account balances, payment history, parties to transactions and credit card usage;
• Information we receive from non-affiliated third parties, such as a consumer reporting agency relating to your credit history or creditworthiness; and
• Information obtained when verifying the information you provide on an application or other form such as from your current or past employers or from other institutions where you conduct financial transactions.

We may also disclose nonpublic personal information we collect about you under other circumstances as permitted or required by law. These disclosures typically include information to complete transactions you initiate, to conduct the
operations of the credit union or to protect the security of our financial records.

If you terminate your membership with Brokaw Credit Union, we will not share information we have collected about you, except as permitted by law.

HOW WE PROTECT YOUR INFORMATION
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain safeguards that comply with federal regulations and leading industry practices to safeguard your nonpublic personal information.

Please feel free to contact us at (715) 675-2319 if you have any questions regarding our privacy policy.