B e n e f i t SKIP YOUR VISA PAYMENT THE SOURCE

ABD 10.10 9/26/10 7:44 PM Page 1

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SKIP YOUR VISA PAYMENT IN DECEMBER

The credit union wants to offer members in good standing a great opportunity: Skip your December 2010 VISA payment!

That's right! If money's a bit snug around the holidays, you can opt to skip your December payment. Certain terms and nominal fees apply.

NOTICE OF ANNUAL MEMBERSHIP MEETING

The 62nd Annual Meeting will take place on January 30, 2011. The meeting will be held at UAW Local 1264 which is located at 7450 15 Mile, Sterling Heights, MI 48312. The meeting will start at 1:00p.m. Listed below are the procedures for nomination to elective office as outlined in the Credit Union Bylaws:

1. Nominations for vacancies must be made by petition.

2. Petitions must be signed by at least 1 percent of the membership.

3. Petitions must be accompanied by a certificate from the nominee state that he or she is agreeable to nomination and will serve as elected to that office.

4. Nominations shall be filed with the secretary of the credit union and must be postmarked no later than December 17, 2010.

5. Mail nominations to ABD Federal Credit Union at 27850 Mound Rd., Warren, MI 48092, to the attention of Ms. Yvonne Burgess, Secretary.

6. The secretary shall cause such nominations to be posted in a conspicuous place in the credit union office at least ten days prior to the annual meeting.

7. No nominations shall be made from the floor. For the necessary forms and information, contact the Credit Union Main Office.

JANUARY 2011

SUNDAY

30

MONDAY

31

Holiday Club Account Checks

Notification

If you participated in the Holiday Club Savings Account in 2010, your check is available at the credit union. Please pick up your check by Friday, November 5.

If you do not pick up your check, it will be mailed to the address we have on record at the credit union during the second week of November.

Enjoy the benefits of your year-long saving!

Holiday Closings

THANKSGIVING HOLIDAY THURS., NOV. 25 ? FRI., NOV. 26

CHRISTMAS HOLIDAY FRI., DEC. 24 ? MON., DEC. 27 TUES., DEC. 28 ? WED., DEC. 29?CLOSED AT 1PM

NEW YEAR'S HOLIDAY FRI., DEC., 31 ? MON., JAN. 3

MARTIN LUTHER KING, JR. DAY MON. JAN. 17

Holiday Greetings from ABD Federal Credit Union

The staff, management and Official Family of ABD Federal Credit Union would like to wish you and your family a very happy, healthy year end. Thank you for your support and investment in our Credit Union.

Consider referring a friend or family member in the new year!

MAIN OFFICE: 27850 Mound Rd. ? Warren, MI 48092 (586) 751.4400 Hours: Mon. 8:45 a.m. ? 5 p.m.; Tues., Wed. &Thurs. 10 a.m. ? 5 p.m.; Fri. 8:45 a.m. ? 6 p.m. DETROIT: 2222 Conner ? Detroit, MI 48215 (313) 822.1034 Hours: Monday-Friday 9:30 a.m. ? 4:45 p.m ILLINOIS: 3204 U.S. Business Route 20 ? Belvidere, IL 61008 (815) 544.6437

FEDERAL CREDIT UNION



FAll 2010

THE SOURCE

WATCH FOR US IN THE PLANT!

RECEIVING A GREAT FREE GIFT IS AS EASY AS SIGNING UP FOR ANY NEW SERVICE. WATCH FOR DETAILS COMING SOON!

Quarterly Newsletter of ABD Federal Credit Union

RELOADABLE MASTERCARD DEBIT CARDS ARE HERE!

Reloadable Debit Cards are the hot, new item on the financial scene. What is a reloadable Debit Card? Well...we're glad you asked!

A reloadable Debit Card allows members to carry a pre-paid balance. The card works as a debit card, but you don't have money withdrawn from a specific credit union account; the money's already loaded on the card.

Why is a reloadable card so great? Just look!

RELOADABLE MASTERCARD DEBIT CARD THROUGH ABD FCU:

? Great for teens

? Protects against overdrafts and overspending

? Enhances credit score

? Pre-paid amounts and activity are reported to all three credit bureaus

? Great for online and/or phone purchases.

To begin use of a Reloadable MasterCard Debit Card, stop in or call the credit union during business hours. You'll be very happy with the freedom this great financial resource affords you!

Holiday Helper Loan

Just in time for the 2010 shopping spree, the credit union is rolling out the Holiday Helper Loan! Money a bit tight heading into the year end? No sweat. We've got you covered with the Holiday Helper Loan! Don't spend a single night tossing and turning at the thought of meeting holiday expenses. Stop in today to lock in a great rate and pocket full of cash. It's the Holiday Helper Loan from your credit union!

HOLIDAY HELPER LOAN

? 8.9% APR ? 12 month payment term

CELEBRATE INTERNATIONAL

CREwDITitUhNIOuN sDAY

Thursday, October 21 is a very special day for members: It's Credit Union Day! Come join us for free refreshments and a special token of appreciation.

CREDIT UNION DAY AT ABD FCU:

? All day Thursday, Oct. 21 ? At the Credit Union office

? Free refreshments ? Each member gets

special token of appreciation

? Celebrate our rich,

member-focused heritage

And don't forget, Credit Union Day is a great chance to bring in a potential member to show off all the credit union has to offer. Consider bringing in a family member or co-worker to sign up for membership on October 21!

The credit union is hiring secret shoppers!

Each assignment pays $50 for fun and exciting opportunities. To apply, contact Kathi at 586-751-4400 extension 3135.

Positions are going fast.

Apply today.

ABD 10.10 9/26/10 7:44 PM Page 2

COMING SOON: Total Home Makeover

The credit union is upping the ante! We will be refurbishing an entire home through Habitat for Humanity. This is a huge undertaking which, but we know with the help of the membership and staff that we will complete this monumental task.If you're interested in donating time, talent or money to this cause, please call the credit union right away.

What a Difference Three Days Can Make!

We are so proud to report that the credit union staff and membership joined forces

to complete three huge projects in just a few days of work!

Our team of dedicated volunteers roofed a garage, painted an entire interior and

sided a garage. Thanks to all who contributed and worked so efficiently to

help out in our community!

VISA CREDIT CARD from ABD Federal

Credit Union:

? LOW RATE

? SCORECARD POINTS:

POINTS ADD UP FOR GREAT INCENTIVES!

? 25-DAY GRACE

? NO ANNUAL FEE

? OUTSTANDING PURCHASING POWER

? ACCEPTED VIRTUALLY EVERYWHERE

And consider this holiday-shopping tip! Avoid the gimmicks that come with opening a high-interest department store credit card. Make all your purchases with a trusted, low-rate source: your credit union VISA. Having one monthly payment at a low rate will save you from a holiday shopping hangover! Inquire at the credit union today!

Refer a Family Member

or Co-Worker

The credit union is a strength-in-numbers

institution. Together we're stronger!

If you know someone who would benefit from

membership in the credit union, fill out the Referral Certificate at right. Then return it to the credit union.

Membership Referral Certificate

I, ______________________, do hereby refer _______________________ as a member of ABD Credit Union. I understand that my signature will be verified prior to the acceptance of the new member. I also understand that ABD Credit Union reserves the right to contact me directly at ( _______ ) _________________ (daytime phone) to verify this referral.

Signed_________________________________ Date_______________

27850 Mound Rd. Warren MI 48092

586-751-4400 Phone 586-751-4407 fax

LOAN APPLICATION

Amount Requested $ ____________________________Member Acct. No. ______________________ Loan Purpose ___________________________________________ J VISA , Number of cards_______

Please note: If you are applying for credit in your name only, do not complete portion on co-applicant.

Applicant Name (Last-First-Middle)

Co-Applicant/Co-Signer Name (Last-First-Middle)

Home Address (Street & No.)

How Long?

Home Address (Street & No.)

How Long?

City/State/ZIP

City/State/ZIP

Previous Address (Street & No.)

How Long?

Previous Address (Street & No.)

How Long?

Home Phone No.

Birth Date

No. of Dependents

Ages

Home Phone No.

Birth Date

No. of Dependents

Ages

Social Security No.

Driver's License No. And State

Social Security No.

Driver's License No. And State

Mother's Maiden Name

$Gross Annual Salary

$Monthly Pay Mother's Maiden Name

$Gross Annual Salary

$Monthly Pay

Employer

Position

How Long?

Employer

Position

How Long?

Business Address/Phone

Business Address/Phone

Previous Employer

Position

How Long?

Previous Employer

Position

How Long?

Previous Business Address

Previous Business Address

Note: Alimony, child support, or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation.

Alimony, child support, separate maintenance received under

Alimony, child support, separate maintenance received under

court order

written agreement

oral understanding

court order

written agreement

oral understanding

Other income: $ ______________ per ____________

Other income: $ ______________per ____________

Is any income listed in this section likely to be reduced in the

Is any income listed in this section likely to be reduced in the

next two years? Yes (Explain in detail on a separate sheet)

No

next two years?

Yes (Explain in detail on a separate sheet)

No

Outstanding Debts (Include charge accounts, installment contracts, credit cards, rent, mortgages, etc. Use separate sheet if necessary.)

Mortgage or Landlord

Payment Address

Mortgage/Rent Payment

Original Amount

Balance Due

Market Value

Autos Owned - Make

Year

License Number

Name And Address (Other Debts) Account Number

Checking Account No.

Location

Name Of Nearest Relative Not Living With You

Financed By

$

Interest Rate

$

$

$

$

$

Savings Account No. Address (City-State-ZIP)

$ $ $ $ $ $ Location

Monthly Payment $ $ $ $ $ $ Total Relationship

Complete the following only if you reside in a community property state (Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington

or Wisconsin); or if another person will be jointly liable on the account.

Married

Separated

Unmarried

This statement is submitted to obtain credit and I (we) certify that all information herein is true and complete. I (We) also authorize the credit union to verify or obtain further information the credit union may deem necessary concerning my (our) credit standing. In the event my (our) request is approved and issued, I (we) agree to read and comply with the terms of the agreement which will be furnished to me (us).

APPLICANT'S SIGNATURE

X

DATE

CO-APPLICANT'S SIGNATURE

X

DATE

Amt. Requested $ ______________________ Purpose: ______________________________ Refin. Loan Bal $ ______________________ Interest to Date $ ______________________ Total New Loan $ ______________________

Comments: __________________ __________________________ __________________________

Pmt. Amt. $ __________________

APPROVED

REJECTED

DATE ______________________

CREDIT COMMITTEE OR LOAN OFFICER

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