FAMILY FIRST CREDIT UNION LIMITED ABN 39 087 650 057 PO BOX 386, LITHGOW NSW 2790

PHONE ACCESS: 1300 369 900 wwww.familyfirst.com.au BSB 802-207 AFSL/AUSTRALIAN CREDIT LICENCE NO. 241068

BRANCHES AT BATHURST * BLACKHEATH * LITHGOW * MUDGEE

WE

WANT

TO

REWARD

YOU!

Inside your Newsletter You could win a new car! Home Loan Package New Member Package Move your Home Loan Community Support Program 2012 Notice of AGM and more…..

FIND THE ‘YOUR REWARD’

SYMBOL INSIDE TO LEARN

MORE

FAMILY News

June 2012

YOUR

REWARD

YOU too

could win a NEW car! *

Here’s a very excited Esme Whellens from Blackheath, the lucky

winner of our first car draw who received the keys to her new car from Family First Credit Union General Manager, John Paine.

Well done Esme! Enter TODAY—this could be YOU!

Next

Draw

November

2012

Your Credit Union has performed very well over the last 12 months with growth well above Management’s expectations. This is a reflection of the satisfaction and trust that our members have in the way we provide “a different kind of banking for families” by offering superior personal service as well as competitive interest rates and fairer fees than most of our competitors. However, we realise we must not rest on our laurels and I am pleased to advise of some innovative changes that we hope will reward our existing loyal members and also encourage many new members to experience our banking differences:

Already this year we have had our first Member Car Draw where some of our members each purchased a $50 ticket to allow us to buy a brand new Mazda 3 from Blue Mountains Mazda which one lucky member then won when her membership number was drawn. These Car Draws will continue as more members either purchase more tickets or are rewarded for taking advantage of some of our products and services in the years ahead.

Later in 2012 we are launching our Mobile Banking Application which will provide members access to their Family First accounts from their mobile phones for the first time. Services include paying bills, transferring money and simply checking account balances etc.

Whilst we reduce transaction fees by rewarding our loyal members based on their relation-ship with us, we recognise that sometimes your banking needs may not involve having spare savings or loans that make you eligible for these fee rewards. In the instances where you want to take control over the transaction fees you are now paying, you can ask our staff about opening a “Capped Fee Access Account (S30)” which charges a maximum of $5 per month for account holders with less than an average $2,000 relationship balance.

Finally, I urge all our members who have a home loan at one of the Big 4 Banks to do yourselves a massive favour by making a comparison with our home loan interest rates, by either phoning us or calling into a branch. You can even compare the difference at home by logging onto www.familyfirst.com.au looking up our Home Loans and request a Home Loan Key Facts Sheet. You can save an incredible amount of money by being smart about where you have your home loan and I know Family First Credit Union has some of Australia’s lowest home loan interest rates.

A MESSAGE FROM THE GENERAL MANAGER

*Terms, conditions and entry forms available on our homepage or at any branch of Family First

HOME LOAN PACKAGE If you introduce a new member (family or friend) who applies for and has a home loan approved, then we’ll reward BOTH of you! If you are a new member with an approved home loan and take up another member friendly product, e.g. Whole of Pay directed to Family First OR VISA Debit Card, Internet or Phone Banking OR Home and Contents Insurance Policy with Allianz

Insurance

Here are your REWARDS: Receive our lowest home loan rate for 12 months A FREE ‘Win a New Car’ draw ticket for 12 months

(Terms and Conditions available at www.familyfirst.com.au or at any of branch of Family First Credit Union)

No transaction fees if total relationship is over $150K NO VISA card fee for 12 months (currently $2 per month)

YOUR

REWARD

NEW MEMBER PACKAGE If you are a current member of Family First, then you know that we put YOUR family first! So why not tell all your family and friends about us. When you refer a new member to the credit union, then we will reward BOTH of you! If you refer a new member to the credit union we will REWARD YOU by: Waiving all transaction and

VISA fees for 6 months

For our NEW member who takes out a Savings Account with the following products: Whole of Pay to Family First VISA Debit Card Internet Banking or Phone Access

we will reward YOU by: Waiving all transaction and VISA fees for 6 months OR Giving you a FREE entry into our next ‘Win a Car’ draw

YOUR

REWARD

IF YOU ARE THE REFERRER YOU WILL RECEIVE A FREE CAR DRAW ENTRY FOR 12 MONTHS!

Hurry! offer is for a limited period and can be withdrawn at any time!

Hurry! offer is for a limited period and can be withdrawn

at any time!

12 Month

Introductory

Rate

5.70% pa¹

Comparison

Rate

5.99% pa²

Move YOUR home loan to Family First and we’ll give you a FREE entry into the next Win A Car Draw, PLUS, we’ll waive your

transaction fees for 12 months* (*loan fees not included) Not enough? We will also give you a discounted interest rate

for the first 12 months¹. Hurry! offer is for a limited period and can be withdrawn at any time!

YOUR

REWARD

¹Annual Percentage Rate is 5.70% pa which for a period of 12 months from the initial funding date is guaranteed to be 0.25% pa below the current standard variable mortgage interest rate for this loan type, at which time will revert to the standard variab le mortgage interest rate for this loan

type, currently 5.95% pa. Relevant terms & conditions, fees & charges apply and are available on request. Promotion applies t o new loans only and is subject to credit union lending criteria. Interest rates effective 12th June 2012 and are subject to change without notice. ²Comparison rate is

true only for the example given and may not include all fees and charges. Comparison rate based on a Secured Home Mortgage/In vestment Loan of $150,000 over 25 years. Different amounts and terms may result in a different comparison rate. For general info rmation about borrowing

(including loans calculators to help you understand the effect of interest rates and fees and different loan options) go to o ur website: www.familyfirst.com.au or speak to one of our friendly loans staff.

Credit provided by Family First Credit Union Limited ABN 39 087 650 057. Australian Credit Licence No. 241068.

Just have a look at how much you could save if you moved your home loan to Family First!

On average it is over $25,000—that’s $1,000 a year over the term of your loan!

Financial Institution Standard Variable

Mortgage Rate

Comparison Rate*

Total Monthly Repayment

Total Interest Total Savings

Family First CU 5.95% pa 5.99% pa $962 $139,329 -

CBA 6.80% pa 6.94% pa $1,055 $166,230 $26,901

ANZ 6.80% pa 6.90% pa $1,046 $164,432 $25,103

NAB 6.78% pa 6.86% pa $1,047 $164,163 $24,834

Westpac 6.89% pa 7.02% pa $1,058 $168,150 $28,821

St George 6.86% pa 7.02% pa $1,057 $167,993 $28,664

Disclaimer: Comparison has been performed based on a $150,000 loan with a 25 year repayment term. Standard variable rates have been sourced from Cannex Website www.canstar.com.au as at 18th June 2012. Comparison rates have been sourced by the individual websites of CBA (www.commbank.com.au), ANZ (www.anz.com.au), NAB (www.nab.com.au), Westpac (www.westpac.com.au) and St George

(www.stgeorge.com.au) as at 18th June 2012. The savings calculation has been made from the Key Home Loan Fact Sheets from each of the institutions. *The comparison rate is true only for the example given

and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

ADVANCE NOTICE OF ANNUAL GENERAL MEETING 2012 The 45th Annual General Meeting of Family First Credit Union Limited will be held in the Board Room of the Credit Union at 1 Ordnance Avenue, Lithgow on Tuesday 13th November 2012 commencing at 7.30pm.

NOMINATION FOR BOARD OF DIRECTORS In accordance with the Constitution of Family First Credit Union Limited we are calling for nominations from the membership of Family First Credit Union for suitably qualified and eligible candidates to stand for the position of a member elected Director or a Board appointed Associate Director.

The last restructure of our Community Support Program took place in 2005 and the format agreed at that time has been in place since. As an outcome of our Strategic Planning in 2011 it was recommended that changes again needed to be made to the Program in order to further enhance our reputation as a community minded entity.

From 2013 changes approved by the Board of Family First Credit Union to INCREASE the financial year’s annual budget to $30,000 will come into effect. The increased budget will be funded from our members’ monthly VISA card fees. The above figure currently equates to HALF the annual VISA card fees or in other words, $1 out of

COMMUNITY SUPPORT PROGRAM 2012

Henry Lawson Heritage Festival Gulgong Mt Victoria Public School P&C Mudgee Playgroup

Blackheath Public School P&C Cooyal Hall Association Mingaan Aboriginal Corporation

Mt Victoria Community Association Inc. Kidney Health Australia Wallerawang Kids Club

Mudgee Rescue Squad Kids & Carers Support Group Kandos/Rylstone

Lithgow Mountain Cruisers Car Club

Australian Ecosystems Foundation Lake Wallace Community Boating Centre Cooinda Aged Peoples Home

Gumnut House Centre for Early Learning Bathurst Cycling Club Veritas House, Bathurst

What is TrustDefender?

TrustDefender is a software program which runs a health check on your computer before you login to internet banking, and gives you real-time feedback on your computer's security. TrustDefender also verifies the internet banking website. How do I get TrustDefender on my computer? As a Credit Union member, you can download TrustDefender free from our internet banking login page. How does TrustDefender secure my computer? When logging into internet banking, a pop up will appear giving you the choice to enter ‘safe and secure mode’. Once you’ve entered this, TrustDefender looks after the rest. Entering 'safe and secure mode' creates an encryption 'shield' that temporarily isolates the internet banking session between your computer and our internet banking server, ensuring all information you exchange with us is safe from fraudulent attacks. How do I use TrustDefender? This service is automatic and stress free. When logging into internet banking, the system will be triggered and a small orange figure will appear in the bottom right hand corner of your screen. Once you see that, you know that TrustDefender is doing its job. So why not try it out today.

The Credit Union is also seeking nominations from suitably qualified members to stand as Associate Director enabling them to gain experience and insight into the role of becoming a member elected Director. For more information contact the General Manager on 1300 369 900.

every $2 fee will be used for the Community Support Program. A side effect to this will be to make members feel directly involved as they will see part of their VISA card fee going back into their communities. It is proposed that the $30,000 be allocated to significant projects that will benefit each of our four communities where we have branches. Family First Credit Union congratulates the following organisations who received a grant under the 2012 Community Support Program:

Go more places with a Visa Debit Card Following system changes associated with the rediCARD product, Family First Credit Union will no longer be

offering rediCARDs to its members. As a result, rediCARDs are being replaced with a Visa Debit Card.

Visa Debit cards give you more convenience than ever before plus extra security! A Visa Debit card is not a credit card. It works like a rediCARD or other EFTPOS cards, providing the convenience and control of using your own cash to make purchases.

Worldwide acceptance A Visa Debit card offers additional advantages using your own money – be it over the counter, online, over the phone or overseas. Here in Australia, your Visa Debit card can be used at more than 21,600 ATMs Australia-wide or anywhere Visa is accepted. For members who’d rather shop from home, Visa Debit card can be used to make purchases online or over the phone. Visa Debit is accepted at over 30 million locations in 150 countries, making it an essential part of your luggage, and a far more convenient option than travellers cheques or large sums of foreign cash.

A new standard of security Only Visa Debit cards feature a ‘smart’ chip – the new standard in global security. This microchip is virtually impossible to copy, providing maximum protection against counterfeiting, card skimming and other fraud. Visa Debit cardholders enjoy further peace of mind with the benefit of Visa’s unique Zero Liability Policy. Simply press the ‘Credit’ or CR button when making a transaction with your Visa Debit card to access these additional security benefits.

Did you know you can now obtain a quote and purchase direct from our website for

Allianz Insurance?

Take advantage of our low rate car loans Call us on 1300 369 900 to find out more!

Take out a NEW CAR LOAN, and we’ll throw in a car care

kit!

Hurry! offer is for a limited period and can be

withdrawn at any time!

YOUR

REWARD

Here are some Security Tips for you! It is very important for you to protect both your Visa Debit card and your PIN at all times. The following information is provided to you in order for you to minimise the chance of having an unauthorised Visa transaction being performed on your account:

On receipt of your Family First Visa Debit Card always sign the back of the card immediately

Never leave your Family First Visa Debit Card unattended in your car, home, at work, etc.

Never carry your PIN with your Family First Visa Debit Card

Never tell anyone else your PIN including the Credit Union. (Family First will never ask you for your PIN or Visa Card number)

Never lend your Visa Debit Card to anyone else

For your own protection, please read the Visa Debit Card EFT Conditions of Use as outlined in the Account and Access Facility Booklet

Notify Family First Credit Union of any change of address as soon as possible

Never change your PIN to your date of birth or a sequence that is recognisable or obvious

Retain your Visa Debit Card vouchers and check the transactions back to your statement

Report any unauthorised transactions immediately

Report immediately if you either lose your card or have your card stolen

rediATMs in more convenient locations! rediATMs ae now conveniently located in BP owned and operated service stations nationally. So keep an eye out for a BP close to you. For your nearest ATM go to rediATM.com.au or download the free iphone App.