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FALL NEWS 2006

You asked for it. You’ve got it! Spin-a-Rate is back!

That means you can spin up an incredibly low, low rate on a new or used car, boat, RV, motorcycle or water toy! Just stop by or call one of our locations between now and October 31st and you could get a discount of .25% APR* up to 2% APR.* You could even spin a rate of 0% APR!* Don’t forget to ask us how to receive an additional discount of up to 1% APR off these rates.

Whatever rate you spin, there’s no payment for up to 45 days and you may be eligible for more than one loan! Plus, if you financed your vehicle at another financial institution, we can refinance it at our low, low rates. Just come in and ask us how. But do it between September 1st and October 31st before this offer spins away!

*APR=Annual Percentage Rate. Normal credit criteria applies. The wheel must make at least one full revolution. Member is allowed one spin per vehicle loan. Two members purchasing a vehicle jointly may only spin once. Some winnings may require IRS reporting. Lowest rate possible is 0% APR. Check with the Credit Union for full details.

IMPORTANT NOTICE for ebranch members

Your online security has always been a top priority.

Now, we’re implementing an additional layer of security to keep your personal online information secure and confidential. Take advantage of this new feature – “Enhanced Login Security” starting October 2006. You may sign up right away or you may wait a bit, but all ebranch users will be required to add this additional protection by February 19, 2007.

• Beginning early October 2006, ALL ebranch users when logging into ebranch with your member number and password will be prompted to set-up 2 challenge questions and verify your email address. You will be periodically prompt to complete this request, however, this will be mandatory on February 19, 2007.

• Once logged into ebranch, you may choose to enroll your computer in the Enhanced Logon Security feature. You may go to “User Options Menu” and take advantage of enrolling your computer. Once the computer is enrolled, you will not be required to answer your challenge question on that computer when trying to access ebranch.

• If you choose not to enroll your computer or you try to access ebranch from another computer or public computer, you will: Log into ebranch with your member number and password. You will be prompted to answer your 2 challenge questions. Once they are answered correctly, you will be granted access to ebranch.

Enhanced Login Security will:
• Defend against identity theft and fraud.
• Provide added security from any computer, wherever  you are.
• Make it easy for you with one-time sign-up and convenient access.

Just another example of our commitment to safety and security.

Additional information is available at www.hpfcu.org click on ebranch button and review Enhanced Login Security Quick Tips.

Holidays

Veteran’s Day
Friday, November 10
(Memorial Drive also closed Saturday, November 11)

Thanksgiving Holidays
Thursday, November 23
Friday, November 24
(Memorial Drive also closed Saturday, November 25)

Christmas Day
Monday, December 25
(Memorial Drive also closed Saturday, December 23)

Christmas Holiday
Tuesday, December 26


Minor or major, you want to be prepared for financial emergencies!

A financial emergency can happen anytime, anywhere—whether it’s as relatively minor as a flat tire in the middle of the night or as disastrous as fire or a hurricane. That’s why you want to be prepared—and why HPFCU wants to help you with a variety of products and services. Before emergency strikes, go online at www.hpfcu.org or stop by our offices to find out how we can help. We’ll be happy to show you how to be better prepared through such things as:

• HPFCU debit or credit cards. Why take a chance that you won’t have cash in hand when you need it? With a debit or credit card from HPFCU, you can be prepared 24/7.
• Safe deposit box. Where are your important papers? With a safe deposit box from HPFCU you can rest assured they will be safe.
• Preapproved line of credit. Do you have enough cash available to meet emergency needs—from a major car repair to temporary housing? If you have a preapproved line of credit from HPFCU, you will. Plus, use it as overdraft protection on your checking account and all you have to do is write a check or use your HPFCU debit card.
• 24/7 electronic access to your financial accounts. If disaster struck your home, would you have electronic access to all of your financial accounts? If you’ve already signed up for estatement, ebranch, bill pay, and GoToMyCard.com (credit card information) through HPFCU you won’t have to worry. You can access this critical information 24 hours a day, 7 days a week—wherever you have access to a computer terminal.

Make sure you’re prepared for an emergency. Stop by our offices today and ask us how we can help!



Your pass to the fast lane is through our newest service - XPass. Sign up for XPass before October 31st and you may win a $50 gas card!

Now, when you get a loan from the Credit Union, you will speed through the loan process procedure. That’s if you sign up for our newest, most convenient service available...XPass.

It’s so easy. Just come by one of our offices and sign the XPass agreement. We will keep this agreement on file. Then when you need future loans, just give us a call 24/7 at 713-22-LOANS. We will usually give you an answer within minutes and then you’re through with your loan process...XPass will do the rest! No more having to come into the credit union to sign loan papers or have them mailed to you.* You can usually drive your new car home immediately!

When you sign up before October 31, we’ll put your name into a drawing for a $50 gas card! Each week, one lucky XPass registrant will win a gift card worth $50 in FREE gas!**

Sign up for XPass today...it will only take a minute and you will enjoy faster loan processing for future loans.

*Some loans may still require you to come into the Credit Union. Example: comaker loans and power of attorney loans.
**Limit one prize per member. Anyone can register, just mail in your name, address, and phone number on a 3x5 card to: XPass Giveaway, Houston Police FCU, 1600 Memorial Drive, Houston, TX 77007.

Debit in a minute!
Now, you can get a HPFCU debit card instantly! Just stop by our Memorial Drive location to ask for yours! It will be processed immediately and you can even select your own PIN number. Then, you can enjoy all the safety and convenience of using your new debit card anywhere you see the VISA logo. That means literally hundreds of thousands of locations worldwide—from grocery and discount stores to restaurants, theaters, theme parks and more. Best of all, your purchase amount is automatically deducted out of your checking account. Get your debit card from HPFCU today!


How could we make estatement even better? We’ve added bill pay service for FREE!

Now, when you sign up for estatement at HPFCU, you can also sign up for bill pay service for FREE! All you need to have is a personal checking account with HPFCU to make it all possible. There’s no monthly service charge!

When you have your monthly account information available to you electronically through estatement, you’ll never have to worry about someone taking your personal information out of your mail—or even the trash! You’ll never have to search for it when you’re reconciling your monthly statement. And your account information will always be up-to-date when you need it—making estatement the most convenient safe way to receive your monthly statement.

When you sign up for free bill pay, the safety and convenience get even better! You won’t have to worry about missing a bill in the mail, writing a check or even using a postage stamp. Just tell us which accounts you’d like for us to pay and on what date. The payment is then automatically processed out of your account—and automatically reflected on your estatement.

Take advantage of the safety and security of estatement with bill pay service today. Remember, when you have a personal checking account:
• Bill Payment with estatement - FREE
• Bill Payment without estatement - $5.95 per month
• Bill Payment without estatement for Silver Star members - $4.95 per month


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