Mobile Banking: the branch that fits in your pocket. Online and mobile banking can save you time. To learn more, visit emoryacu.com.

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1 Emory Alliance credit Union newsletter Summer 2017 Inside this Issue: New Branch Announcement Enjoy your Summer Vacation What s on your Horizon? Product Spotlight: DocuSign Audio Xpress Closing Dates: Independence Day Tuesday, July 4 Labor Day Monday, September 4 Upcoming Events: Fall Shred Event Saturday, September 9 9 am - 12 noon FODAC Medical Equipment Drive Saturday, September 16 9 am - 12 noon Mobile Banking: the branch that fits in your pocket. Fall Home Buying Seminar Thursday, October pm b View balances b Transfer money b Reorder checks b View statements b Deposit checks Online and mobile banking can save you time. To learn more, visit emoryacu.com.

2 Coming Fall 2017! New branch opening to serve our Saint Joseph s Hospital employees. b New location b New look b Same great service! Visit emoryacu.com for updated details. Anyone living in Fulton or Dekalb County is eligible to join! Let your Emory Alliance Credit Card work for you this summer vacation! School is out, and summer is upon us. It s time to let loose and have some fun. Being a valued member and getting a low interest rate on your credit card allows you to be able to enjoy your vacation, knowing you will not have to pay a high interest credit card bill later. For many people, travel is a significant part of their summer budget, but reckless spending while on vacation can wreak havoc on their finances. Before your vacation starts, it is always a great idea to set a budget and stick to it. Here are a few tips to help you enjoy your summer vacation without derailing your finances Make a plan It helps to start with a plan for your vacation. You don t have to rule out spontaneity entirely, but having an overview of when and where you d like to go, what you d like to do and how much it will cost gets you started off on the right foot. Set up a vacation club account Creating a separate vacation club account helps cement why you re saving the money and can help you keep your eye on the big prize when lesser temptations, like a new TV, arise. Know your limits Set a daily spending budget for your trip and don t exceed it. Include what you ll spend on food, activities, lodging and anything else that might come up. Stay disciplined Once you ve settled on how much you ll spend, stick to it. It s easy to talk yourself into not counting little purchases like a coffee here or mouse ears there, but those little purchases add up and can have a significant impact on your vacation fund. Have fun Most of us aren t going to plan a vacation down to the minute, but with money saved up in a vacation club account and a cap on your daily spending, you can enjoy yourself and avoid maxing out your credit cards.

3 Fall Shred Event Saturday, Sept. 9 9:00am Noon Get rid of that clutter! Bring your old documents to our shred event. It s safe and secure. Royal Shredding will have two trucks on site to shred your personal documents for free! Visit emoryacu.com for a full list of what you can and cannot bring. FODAC Medical Equipment Drive Saturday, Sept. 16 9:00am Noon Is that old wheelchair taking up space in your garage? FODAC will be on site collecting medical equipment and devices for disabled people. Please bring your donations and help make a difference in the lives of people with disabilities Fall Home Buying Seminar Thursday, Oct. 12 6:00 8:00pm Thinking about buying a home? Join us this evening to learn about the process of purchasing a home, from start to finish. We will have our mortgage lender on site along with a realtor and an attorney to help answer all of your questions. Refreshments will be served. LIMITED SEATING! RSVP: or edemons@emoryacu.com

4 What s on your horizon? Too young? No you re not. If you haven t started planning for your retirement, now is the time. The sooner you start, the greater your chances are of reaching your retirement goals. Don t procrastinate any longer. Start your financial plan today. Mike Butts Program Manager mike.butts@investfinancial.com Registered Representative of INVEST Financial Corporation, member FINRA/SIPC. INVEST and its affiliated insurance agencies offer securities, advisory services and certain insurance products and are not affiliated with Alliance Retirement & Investment Services or Emory Alliance Credit Union. INVEST does not offer tax or legal advice. Products offered are: Not NCUA insured. Not a Deposit. Not Credit Union Guaranteed. May lose value including loss of principal

5 Product Spotlight Sign your loan documents anytime, anywhere! DocuSign allows you to close your loan while working from the office, or from the comfort of your home. It s simple and secure. b Apply for the loan online at emoryacu.com. b After approval, request to receive the loan documents via . b Sign the documents, and you re all set! Audio Xpress is free, safe and convenient! Spend less time waiting in line and use Audio Xpress, our 24/7 telephone service, to handle your financial needs. Using Audio Xpress, your personal identification number (PIN), and any touch-tone phone, you can complete most of your banking transactions from the privacy of your home or office. Some features include: b Check account balances. b Transfer funds. b Request a check. b Make a loan payment. Sign up today! Call to get your PIN before you begin. Then call to get started. emoryacu.com 1237 Clairmont Road Decatur, GA Emory Campus Branch Dobbs University Center 605 Asbury Circle Atlanta, GA Emory Midtown Branch W.W. Orr Building 478 Peachtree Street, NE Suite 101A Atlanta, GA P Federally insured by NCUA We do business in accordance with the Federal Housing Law and the Equal Credit Opportunity Act