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KEEPING AN EYE ON YOUR MONEY

Congratulations,

MEMBER UPDATE

THIRD QUARTER 2 0 1 2

Class Of 2012!

2012 marks a year of great achievement for you, and everyone here at ODU Credit Union is pleased to congratulate you on your graduation. We'd also like to remind you that no matter where life takes you, we're always here to meet your financial needs. We offer a wide variety of financial services to help you every step of the way. Free Checking | Convenient Debit Card Free Online Banking | Low-Rate Loans And More! Before you embark on your new adventures, stop by the Credit Union and let us know how we can serve you.

Fire Up Your Summer

With Some Extra Cash

Whether your idea of a perfect summer involves exploring the great outdoors, traveling around the world, or relaxing in your own backyard, our Summer Loan Special can help you fire up your summer dreams with a fixed rate as low as:

8.00% APR*

12-MONTH TERM

The best part of our Summer Loan Special is that you can use the cash for whatever you want! Book some travel plans, turn your yard into an oasis, make home improvements, send your kids to college, and more. Just call our loan department at 757.533.9308 or stop by the Credit Union to apply.

*APR = Annual Percentage Rate. Quoted rate is the lowest available rate. Your rate will be based on your credit history and may be higher. Rates and terms subject to change without notice.

Little Piece of Plastic

Debit Card Your Favorite

Secure, quick access to your cash has never been so easy and convenient. Ask us for more details to get started today!

Here's why your favorite piece of plastic comes in the form of one simple card: n safer than carrying cash. It's n makes it easy to access your cash securely, when you need to. It n the best solution when disaster strikes. It's n You can use your Debit Card to pay for purchases wherever VISA is accepted.

Board of Directors

William (Cliff) Rice Chairman Robert Wojtowicz Vice Chairman Sylvia Hudgins Treasurer Chuck Thomas Secretary Ronald Johnson · Marcha Schriver Pete Powell · Michael McShane Brenda Whitehurst

Supervisory Committee

Judy Smith Chairperson Vanessa Walker · Lynda Shirk Joyce Mason · Charity Brown

Kelley Blue Book Trade-In Values used by Enterprise are obtained from © 2012 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. 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 tradein value of up to $750 or up to $500 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 valid in MD, NM, OR and VA. Kelley Blue Book Trade-in Value plus up to $750 offer valid from 7/1/12-7/7/12. Kelley Blue Book Trade-in Value plus up to $500 offer valid from 7/8/12-7/31/12. Used vehicles 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. THE VALUE OF USED MOTOR VEHICLES VARIES WITH MILEAGE, USAGE, INCLUDED ACCESSORIES AND CONDITION. BOOK VALUES SHOULD BE CONSIDERED ESTIMATES ONLY. Prices do not include tax, title, tags, processing fees of $149 or less as required by state law, governmental fees, any emissions testing charges, and any finance charges if applicable. This offer cannot be combined with any other offer.

1

Meet the Staff

Diane Parker Chief Executive Officer Helen Estes Assistant Manager Francine Chase Webb Center Branch Manager Bonny Tarkington Member Services Representative Diane Finnicum Member Services Representative Rebecca Hall Member Services Representative Courtney Brown Member Services Representative Kylee Parker Member Services Representative Jennifer Caravello Member Services Representative

The "e" logo, Enterprise, and "Haggle-free buying. Worry-free ownership." are trademarks of Enterprise Holdings, Inc. All other trademarks are the property of their respective owners. © 2012 Enterprise Car Sales. C07790 DI 06/12 AM

Looking for Summer Fun?

Get Your Discount Tickets Here!

Before you head out to have some summer fun, be sure to stop by ODU CU for summer savings! We have discounts available for some of the area's most popular attractions. No need to wait in line at the gate or pay full price. Just see us first and then spend your day at the park.

ODU CU Fun Cards: $63.00

Dates Valid: March 24th to September 3rd (During regular operating hours)

ODU CU Prices Single Day Admission

Adults - $25.00 Kids - $19.00 (3-9 yrs.)

ODU CU Summer Sizzler Cards

$46.00

Dates Valid: May 19th to September 3rd

Shopping Online?

Get an Extra Layer of Protection.

Shopping online has its risks. One of the largest of those risks comes with using your credit card for purchases. Fortunately, with the Verified by VISA security program, you can receive an extra layer of security when using your ODU CU VISA for purchases online. By preventing unauthorized use of your card online, the Verified by VISA program goes above and beyond comprehensive fraud protection in order to better protect you and your VISA account. Activating the Verified by VISA feature on your ODU CU VISA card is simple and completely free. Go to www.oducreditunion.org to sign up, stop by the Credit Union, or give us a call at 757.533.9308 for complete details.

CUR R E NT Account Rates*

TYPE OF ACCOUNT Share Savings Christmas Club Vacation Club Investment Club IRA APR 0.20 0.20 0.20 0.20 0.40 APY 0.20 0.20 0.20 0.20 0.40

CERTIFICATE RATES ($1,000 Minimum) 6 Months 0.40 0.40 12 Months 0.50 0.50 24 Months 0.70 0.70

Fee Schedule*

Statement Copy Draft Copy Transaction Printout (per page) Excessive Auto Transfers (paid in-house) Membership Fee (New Account) Wire Transfer Fee Foreign Wire Transfer Fee Return Check, EFT or Debit Card Fee Plastic Replacement Card Fee VISA, ATM, Debit Pin Mailer Request ATM Withdrawal ATM Balance Inquiry Stop Payment Fee Stop Payment Fee for Cashier Checks Dormant Account Fee (per month) SAFE DEPOSIT BOXES Small (3 x 5) Medium (3 x 10) Semi-Large (5 x 10) Large (10 x 10) $5.00 $5.00 $2.00 $4.00 $1.00 $10.00 $25.00 $25.00 $5.00 $1.00 $1.00 $1.00 $10.00 $20.00 $5.00

Summer Travel Notice

If you will be using your VISA Credit or Debit Card overseas, please let us know ahead of time. Due to the high rate of fraud in many foreign countries, your transactions could trigger a fraud alert and cause your cards to be blocked. A simple phone call to the Credit Union can prevent any inconvenience.

CUMoney Travel Card:

The Perfect Travel Companion

If you plan on traveling this summer, be sure to stop by Old Dominion University Credit Union to pick up a CUMoney Travel Card. Our CUMoney Travel Card is a secure and convenient way to take your money with you when you travel. Simply load the card with cash, and then swipe it at millions of locations around the world. When you run out of money, you can either reload the card online or reload it with a quick phone call. You can even use the Travel Card to get cash from an ATM. Stop by the Credit Union to purchase your perfect travel companion, the CUMoney Travel Card!

PER YEAR $25.00 $35.00 $55.00 $75.00

* Rates and fees are subject to change without notice. APR = Annual Percentage Rate. APY = Annual Percentage Yield.

Fight Fraud with VISA Online

Here at ODU CU, we make it easy for you to keep a close eye on your VISA credit card account by providing you with online access through EZ Card. Simply visit www.ezcardinfo.com, log into your account, and enjoy the ability to review your account transactions, make payments, and even set up alert notifications. That way, you stay in control, 24x7. Visit www.ezcardinfo.com to enroll today.

Wondering If We're Open?

In the event of inclement weather, please check your local TV's websites to find out if the Credit Union will be closed.

We would like to thank each of our members for your patience and understanding during the recent upgrade of our computer system. We are excited about the improvements this upgrade has brought the Credit Union and look forward to the new products and features it has to offer our members.

2701 Hampton Blvd. Norfolk, VA 23517 phone (757) 533-9308 | fax (757) 625-1979 WEBB CENTER CAMPUS (North Mall) Norfolk, VA 23529 phone (757) 683-0530 | fax (757) 683-0538 Hours Monday - Friday 9 am - 4 pm Drive-Thru open until 5 pm on Friday ART (Audio Response Teller) (757) 622-1669 To report a lost or stolen Check / Debit Card (800) 264-5578 To report a lost or stolen VISA Credit Card (800) 808-7230 www.oducreditunion.org

Automate Your Financial Life

It doesn't matter where you are, whether you're at home, at work or on vacation, keeping current with your ODU CU accounts is easy and convenient with our Automated Response Teller (ART). This free telephone banking system offers you the ability to check account balances, perform transfers, verify loan payments, and more ­ all from the convenience of your touch-tone telephone. Simply call 757.622.1669 to access ART today.

Annual Meeting Results

Thank you to all of the members who joined us for the 54th Annual Meeting. The meeting, which was held on Sunday, April 22nd, was a great success, and we would like to congratulate Jack Wilson, the winner of $250.00 cash!

Mark This Date! We hope you

will make plans to join us for the 55th Annual Meeting to be held on Sunday, April 28th, 2013.

Have You Moved?

Please Let Us Know!

As your credit union, it is important for us to maintain current contact information in case we need to contact you about your accounts. Please take a few minutes to review all of your information, and let us know if you have changed your address, phone number or email address, or if you need to update your beneficiary information. We appreciate your help in keeping our records up to date.

Holiday Closings

Labor Day Monday, September 3 Columbus Day Monday, October 8 Veteran's Day Monday, November 12

Federally insured by NCUA.

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HOLIDAY CLOSINGS

THIRD QUARTER 2 0 1 2

A PUBLICATION OF OLD DOMINION UNIVERSITY CREDIT UNION

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