2001 Ashby Avenue, Berkeley, CA 94703Phone: (510) 845-6428

Fax: (510) 841-7856

First 24 Voice Banking (24 Hours a Day)1-800-FIRST24 (1-800-347-7824)

www.coopfcu.org

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Hours of OperationMonday - Friday: 9:30am - 6:00pm

Your savings federally insured to at least $250,000and backed by the full faith and credit of theUnited States Government. National Credit UnionAdministration, a U.S. Government Agency

Cooperative CenterFEDERAL CREDIT UNION

Board of DirectorsYou may contact your Board with questions and concerns by email at: board@coopfcu.org

Shyaam Shabaka, ChairCeleste McAllister, Vice ChairLaura Herrera, TreasurerSushil Jacob, SecretaryMike Leung, DirectorJesse Palmer, Director

Supervisory CommitteeYou may contact your Supervisory Committee with questions or concerns by email: SupervisoryCommittee@coopfcu.orgor reach them at their Supervisory Committee mailing address: PO Box 3445Berkeley, CA 94704

Patricia Pitre, Chair Stephanie Hunter, Secretary Mark Smith, Member

SEPTEMBER

NOVEMBER

OCTOBER

Calendar of Events

7th: CLOSED Observance of Labor Day10th: Berkeley Chamber Mixer 5:30pm-7:00pm26-27th: Stop by Our Booth at the Bay Area Blues Festival! 10:00am-6:00pm

12th: CLOSED Observance of Indigenous People’s Day/Columbus Day15th: International Credit Union Day16-17th: Enterprise 2-Day 2-Lot Car Sale

11th: CLOSED Observance of Veteran’s Day19th: Annual Meeting of the Members24th: Come Support Our Blood Drive!26-27th: CLOSED Thanksgiving Holiday

Take A Holistic Approach To Your Financial Wellness!Picture Yourself In A New Home! . . . . . . . . . . . . . . . . . . . . . . . . .pg 22-Day 2-Lot Enterprise Car Sale! . . . . . . . . . . . . . . . . . . . . . . . . pg 3Check Out the Ways to Get More Out of Your Holiday Season . pg 5

Look At What Else Is Inside2015 Election Update . . . . . .pg 1Board Nominee Bios. . . . . . . .pg 2Charter Group Spotlight on Direct Line Tele Response . . . pg 3Did You Miss Member Appreaciation Day?. . . . . . . .pg 4

Quarter 3 • SeptemberCooperative Center FCU Newsline 1

Notice Regarding 2015 Election of Board of Directors and How to Run by Petition

This year’s Annual Meeting of Members to be held on November 19, 2015, will culminate in the election to fill three (3) board seats.

The Chair of the Board, Shyaam Shabaka, has appointed a Nominating Committee and that committee has nominated the following (listed by the Committee in alphabetical order):

Donald GoldenReginald HairstonCeleste McAllister

Jess McCarterShyaam Shabaka

In accord with the Credit Union bylaws, this full official notice is provided to members of Cooperative Center Federal Credit Union along with “brief statements of qualifications and biographical data” for each nominated candidate {Article V, Section 1(c)}, [see page 2 for bios/statements and qualifications]. A copy of this notice and bios is also displayed in the credit union lobby, and from the credit union’s website home page, under Quick Links, click on “2015 Annual Election”.

Members not nominated by the Nominating Committee have the right to become candidates “by petition signed by 1% of the members” {Article V, Section 1(b)}; given the size of the membership on July 31st, 2015, the minimum number of required member signatures is 114. A petition form, as well as the required forms that need to be submitted with the completed petition, are available from Debbie Crowson, AVP of Marketing and Charter Group Relations, at: dcrowson@coopfcu.org, and or Fadhila Holman, CEO, at: fholman@coopfcu.org. Documents that are required {Article V, Section 1(c)} to be submitted along with the petition are:

1. A Bio/Statement of Qualifications, 200 words or less 2. “a signed certificate from the nominee or nominees stating that they are agreeable to nomination and will serve if elected to office”3. Authorization for background check, NCUA Application, Form 4063a, other forms and supporting documentation as required by the National Credit Union Administration (NCUA)

The above must be submitted no later than 5:00 p.m. on September 30, 2015 to the following address: Cooperative Center FCUAttention: Fadhila Holman, CEO2001 Ashby AvenueBerkeley, CA 94703

Please note: Petition signors must be 18 years old, a primary member on a natural person share account and in good standing to validly sign a petition or to be elected to the Board. For Non-Natural Person members, such as businesses or organizations, signatures (the same as official ballots) must be accompanied by an official designation of voting rights for the organization (one member/one vote). Petition signatures will be validated by the Teller of Elections (League of Women Voters).

Thank you for your participation in making Cooperative Center Federal Credit Union a vital community institution!

At your service,

Sushil Jacob

Founded and Guided By The Seven Cooperative PrinciplesVoluntary &

Open MembershipCooperative Center

FCU is open for membership to all who qualify under

our Federal Charter No. 04900

Democratic Member

ControlCooperative Center FCU

members participate in the democratic election of a Board of Directors whose

function it is to create policies and make decisions

for the good of the entire membership

Member Economic Participation

Cooperative Center FCU encourages our members to

make us their primary financial institution. When members

participate in the cooperative financial model, the entire credit union membership individually

and collectively benefits through competitive loan and share rates and lower fees for

services.

Autonomy& Independence

Cooperative Center FCU operates

for the benefit of the members,

not for outside shareholders.

Education, Training& Information

Cooperative Center FCU makes

financial literacy and money

management education free

and available to all.

Cooperation AmongCooperatives

Cooperative Center FCUsupports full cooperation

amongcooperative financial

institutions.Credit unions are more than

just financial institutions.We are a movement.

Concernfor Community

Cooperative Center FCU is a contributing

corporate citizen. Building sustainable

community wealth is at the heart of our mission.

22015 Board Nominee Bios and Statements

Donald GoldenI have been a Cooperative Center Federal Credit Union member since I was about 6 years old. I put my paper-route money in the credit union with great pride. Now that I am over 50 with a lovely wife and kids, almost all of my accounts are solely with Cooperative Center FCU, a place I trust that cares about the community and not about just making money! I have volunteered with Cooperative Center FCU before and my mother before me, Esther Golden was on the Board of Directors for years before she passed. I also feel I represent the diversity of our membership. If I am voted onto the Board of Directors, I will serve with great pride and do all I can to

contribute to the success of Cooperative Center FCU and its members. Thank you.

Reginald HairstonMy name is Reginald Hairston and I am a current member of Cooperative Center Federal Credit Union. I wish to be a part of the Board of Directors. I am a local graduate of UC Berkeley, where I studied and received my BA. Currently, I work in the real estate industry where I am an investor and a Property Administrator. My desire to be a part of the Board of Directors stems from my interest in community development and involvement. I have been a member of the credit union for several years and have previously served on the Credit Committee. I am very interested in participating in the credit union’s progression and would like to be considered for the

Board of Directors. Thank you.

Celeste McCallisterI was first elected to the Board last year and as the result of random staggering terms for our new board I received only a one year term. Prior to coming on the Board, I worked in corporate, small and non-profit environments. I’ve been the paid Executive Director of a non-profit as well as Chairman of the Board of Directors and various committees as a volunteer. For the past 7+ years I’ve lived in Berkeley with my mother in a home that has been in our family since the 1940’s. My educational background includes a BA in Business Administration and graduate work in Public Administration. This year I have expanded that knowledge with training for credit union boards

and certification. I have been very active on the board in my position as Vice-Chairperson and leading the Budget and Strategic Planning Committee. Since joining the board, I have listened to our credit union members and members of the community to help ensure that our cooperative community organization is diverse, inclusive, and stays true to our mission. I’ve accompanied staff on visits to our charter and employer groups, and worked at the credit union booth for various events. I would like another term to continue my work on your behalf.

Jess McCarterMy name is Jess McCarter. My business, Easy Creole, is a proud part of the local community. As soon as we had our doors open and enough money to join the Berkeley Chamber of Commerce and open an account at the Cooperative Center FCU, we did. I want to join the Cooperative Center FCU Board to do my part to help expand and serve the growing and diverse community that surrounds us. I believe small business ownership and strong community banking will help preserve this area’s unique history, culture, and people. We face an expanding big business presence and people outside the community will not care like we do. By working with local businesses

and providing financial opportunities we can expand ownership and community involvement. My other community jobs are as Secretary of the Lorin Business Association and representing us at the Berkeley Business District Network. Let’s grow the Cooperative Center FCU together and help it to reach more people, encouraging them to make smart financial decisions and be part of a larger community. I appreciate your vote to serve as a director. Thank you.

Shyaam ShabakaI am seeking re-election to the Cooperative Center FCU Board of Directors, for the following purposes: To continue providing the ethical governance, strategic planning and fiduciary leadership that has resulted in substantial overall improvements in the credit union during this past year; to continue efforts to make certain that the Cooperative Center FCU board and staff are providing all of its 12,000 plus member/owners with the highest quality of member care, products and services in a manner that is respectful, understood and trusted; to share with other board members, my wealth of credit union knowledge and experience, gained from having

served as Board Chair, Vice Chair and Secretary; to continue promoting youth financial literacy, excellent member service and products that are alternative to predatory lenders. I have completed graduate studies at UC Berkeley and am a long -time resident of the S.F. Bay Area. Some of my other community activities include: serving on the Board of Food First and as Director of EcoVillage Farm. Having been a member since 1968, I am a strong believer in the credit union mission and principles and would greatly appreciate your vote so I may continue to serve on this board.

3

“My thanks to Enterprise. I never thought the buying process would be this easy!”-R. Franklin, member since 2000

“I am so happy with my low interest rate and my car! Enterprise is the BEST!!” -D. Freeman, member since 1985

“I didn’t know what I wanted but after talking with Tim for a while he knew the best option for me!” -R. Wilson, member since 2014

1: APR=Annual Percentage Rate. Rates as low as 1.89% APR for 60 months. 100% Financing available including Tax, Title and License. Financing for qualified Cooperative Center Federal Credit Union members. Not all buyers will qualify. Actual rate may vary based on credit worthiness. Offer valid only on Enterprise Car Sales vehicles purchased 10/1/15 - 10/31/15. This offer cannot be combined with any other offer except those listed on this advertisement. 2: Kelley Blue Book Trade-In Values used by Enterprise are obtained from © 2015 Kelley Blue Book Co.’s website KBB.com. Kelley Blue Book Trade-In Value is based on accurate condition rating and mileage of vehicle. Accurately appraising the condition of the vehicle is an important aspect of determining its Kelley Blue Book Trade-In Value. Kelley Blue Book valuation adjustments for vehicle mileage disproportionate to the age of the vehicle may be capped by Enterprise Car Sales at 20% of the vehicle’s base value. If a Kelley Blue Book Trade-In Value is not available for customer’s vehicle, Enterprise will provide a fair and competitive value for customer’s vehicle. Additional trade-in value of $1,000 is available only on passenger vehicles and light duty trucks with a Kelley Blue Book Trade-In Value and when a vehicle is purchased from Enterprise. Customer is responsible to any extent vehicle pay-off exceeds Enterprise offer. Customer must provide required proof of ownership/registration and all other necessary paperwork to transfer title. Offer only valid on one trade-in for each Enterprise vehicle purchase. Restrictions apply. For details, see an Enterprise Car Sales Manager. Offer void where prohibited including AK, HI, KY, LA, MD, NE, NM, OK, OR, SC, TX, VA and Washington D.C. Offer valid 10/1/15 - 10/31/15. No cash advances. This offer cannot be combined with any other offer except those listed on this advertisement. Used vehicles are previously part of Enterprise short-term rental and lease fleet or purchased by Enterprise from other sources including auto auctions, with previous use possibly short-term rental, lease or other. * Restrictions apply. For details, see an Enterprise Car Sales Manager.**Enterprise 12-Month Unlimited Mileage Roadside Assistance Package is provided by the American Automobile Association (AAA) and its affiliated clubs in the United States and Canada. 3: Gas Card will be mailed within seven (7) days of funding.

Charter Group Spotlight:

Direct Line Tele Response

Direct Line Tele Response was founded over 36 years ago and has been a charter group of Cooperative Center FCU since 1989. Headquartered in Berkeley, Direct Line is a full service provider of comprehensive call center services available 24/7/365 and is now the most awarded messaging service in the State

of California. Our rigorous training protocols are based upon exceeding the expectations of our clients and we are proud to be the “voice of excellence” to all calls we take. We are very fortunate to have a great team of dedicated professional call agents, many of whom have been with us for 10+ years.

We take such pride in recognizing each and every agent for their continued delivery of professional and accurate call and message taking. It’s because of them that we have been the pacesetter of messaging excellence for so many years.”Direct Line’s professionally certified Live Virtual Receptionists are highly experienced in providing outstanding customer service to every caller regardless of industry. Meredith Terrell, the Sr. Disaster Program Manager for the American Red Cross, endorses Direct Line stating

that; “The Direct Line staff has literally assisted us in developing our dispatching infrastructure for our First Responders. Without Direct Line we would not be able to provide the level of service necessary or the responsiveness expected by the communities we serve.” We here at Cooperative Center FCU are very proud to have Direct Line as a part of our Cooperative family and thank them for their continued support! Need more information? Visit their website at www.directlineanswers.com.

Friday Oct 16-Saturday Oct 17, 2015San Leandro

14812 E. 14th St(510) 297-0500

Walnut Creek 2679 N. Main St(925) 287-0054

Enterprise and Cooperative Center FCU giving our members something to talk about!

The Direct Line Team Spring 2015

Ken Goldenberg accepting the Diamond Plus Award for the 14th Consecutive Year

4Ableman co-founder of Pacha’s Pajamas was just dandy! Pacha’s Pajamas has received numerous awards including the 2013 Family Choice Award. The Phroogal, “Personal Finance Money Mindset” workshop was superb! Our greatest thanks to Jason Vitug and his team from Phroogal.

The various community resource tables/exhibits were popular with our members. Members’ engagement and participation was also great. We all enjoyed the opportunity to socialize with the members, and hear about their various experiences with the credit union. All Cooperative Center FCU members, staff, the Member Education Committee, and Board should be complemented on

having planned such a wonderful and successful “2015 Member Appreciation Day” program. We are already looking forward to a repeat in 2016. -Shyaam Shabaka, Chair, Member Education Committee

Annual Member Appreciation Day 2015

Oh! What A Wonderful Day It Was!

This year’s Member Appreciation Day, held on Saturday, June 27, 2015 at the credit union, was wonderful, remarkable, and just fantastic, according to the member feedback. All the stars seems to have lined up properly for this event: The weather was beautiful! The food was healthy, delicious and bountiful! The entertainment, provided by Aaron

*The vehicle must be a model between 2007-2015, have a balance owed of at least $10,000 and currently be financed through another financial institution. Loans currently financed through Cooperative Center Federal Credit Union are not eligible. Your present loan must be current. Rate and term may vary based on credit worthiness, age of vehicle, mileage, and value of vehicle. Contact a Loan Officer for minimum/maximum loan terms based on amount financed. Subject to credit approval. Floor rate of 1.89% APR applies. 90 day deferred payment is optional. Interest will continue to accrue during the 90 day no-payment period. First payment(s) may be applied to interest only. Refinance reward will be deposited into member’s account. If the loan is paid off prior to 24 months or half of the original loan’s term, whichever is less, refinance reward will be forfeited. Refinance reward will be issued within 90 days of loan funding. Refinance reward capped at $500. Please speak with a loan officer for complete details and restrictions. Cooperative Center FCU membership is required. This offer may change or be revoked at any time, without notice, and cannot be combined with other offers. Offer ends October 31, 2015.

Shyaam Shabaka with Jason Vitug and the Phroogal Team

Cathy Jackson-Gent discussing wise money investing with a member

Aaron Ableman, co-founder Pacha’s Pajamas getting the crowd pumped up!

It’s Rewarding to

Refinance and $ave!

• Rates as low as 1.89%APR*

$ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $

$ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $

• 90 Days No-Payments

(just in time for the holidays)

• 1.5% (up to $500) Refinance

Reward for bringing your loan to

your Cooperative!

Get yours today atCooperative Center FCU!

Includes a greeting card,envelope, and Santa Dollar

All proceeds benefit Berkeley Food and Housing

5

*Terms and Conditions: By opting for Skip-A-Pay, you agree and understand that: Finance Charges will continue to accrue at the rate provided in your original loan agreement, during and after that time. Deferring your payment will result in your having to pay higher total finance charges than if you made your payments as originally scheduled. This payment deferral will extend your loan(s) and you will have to make extra payment(s) after your loan(s) would otherwise be paid off. If you previously elected credit life and/or disability insurance, the insurance coverage will not be extended beyond the original maturity date. Fee of $25 applies to all skipped payments. Loans must be current with no prior skipped payments or delinquencies in the last 6 months, and no extensions within the last 12 months. All requests must be in writing and skips will only be placed on loan numbers indicated. If your loan payments are normally paid through automatic payment, the funds will not be transferred. Loans on bi-weekly schedules will skip 2 scheduled payments. 1st Mortgages, fixed-rate 2nd mortgages, a first payment on a new loan, or Visa® accounts are not eligible for this promotion. Other restrictions may also apply.

Slide past a payment this w

inter!

Take advantage of the Cooperative Center FCU Winter Skip-A-Payment Program and skip the

month of November or December 2015.*Use your money for extra expenses during the Winter months,or just have fun!

Whether it’s a birthday, holiday, anniversary, promotion or simply to say thanks, our Visa® Gift Cards are the ideal solution. Unlike a gift certificate for a specific store, our Visa® Gift Cards can be used at millions of merchants around the neighborhood or around the world, wherever Visa® is accepted. They can even be used to order an item online or by phone. Safer to carry than cash and easier to use than a check, visit www.cumoney.com or stop by our branch for more details.

With the holidays just around the corner, get the purchasing power you need with a Cooperative Center FCU Visa® credit card! You can get all of your holiday shopping done early, and enjoy low monthly payments while improving your credit. Get the personal service you expect from a local credit union, combined with the worldwide acceptance and convenience that come with the Visa name. Shop with confidence and apply for your card today at www.coopfcu.org/loans.

Shop with confidence when you use your Cooperative Center FCU Debit Card this holiday season. Know that your debit card carries all the same safety and security of our credit cards, and with the Visa® logo, you know you’ll have added protection with every swipe. Look no further than your wallet for the best tool for your holiday shopping and all year round. For more information visit www.coopfcu.org/services.

If It’s Worth Celebrating, It’s Worth A Visa® Gift Card

Swipe With Confidence Wherever You Shop

Purchase With the Power of Visa® Holiday Loans: Get In, Get Out, Get Done With Your Holiday Shopping

Whether you’re shopping for the holidays, even planning a winter wonderland getaway, our holiday loan might be what you’re looking for. With competitive rates, flexible term options and no collateral required, a holiday signature loan is easy to apply for, can be used however you see fit; with rates as low as 10.25%. If a holiday loan sounds right for you, apply today by visiting www.coopfcu.org/loans/unsecuredloans.

Ways Your Credit Union Can Help Make Your Holidays Happier