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Changes to Relationship Checking
Due to regulatory changes, we are restructuring the credit union’s checking account programs. An evaluation of the Relationship Checking account revealed that some benefits were rarely used and would have little impact on members if removed.

You will still retain paid dividends on your checking account, free custom check orders, free cashier’s checks, free overdraft transfers from savings accounts, free Publix ATM transactions, free Online Banking, free Online Bill Payment, free eStatement and discounted safe deposit box rentals.

However, effective September 1, 2010, the following products and services will no longer be available free of charge to Relationship Checking customers: money orders, travelers cheques, overdraft transfers from loans and paid insufficient funds (overdrafts) on checks.

In making this decision, the board’s and management’s only goal is to maintain the credit union’s financial strength and stability.

Okeechobee Moves to a New, Larger Location!
Due to regulatory changes, we are restructuring the credit union’s checking account programs. An evaluation of the Relationship Checking account revealed that some benefits were rarely used and would have little impact on members if removed.

3261 Hwy. 441 S.
Join us for a Grand Opening celebration for our Okeechobee Branch on Friday, July 30, from 9 a.m. to 3 p.m. Enjoy free food, door prizes, bingo and more! The new location will feature:
• 7 a.m.-7 p.m. extended drive-thru hours
• Saturday hours
• Safe deposit boxes
• Kids’ waiting area
• Drive-up ATM
• And more!

MIDFLORIDA Rewards for YOU!
How would you like to earn a nickel for every time you use your debit card? With MIDFLORIDA Rewards, you can! Choose the credit option with every swipe of your debit card, and we’ll give you 5¢. Plus, you now have the option to receive your payout daily or monthly. Visit midflorida.com to sign up your debit card today and watch your rewards add up!

Introducing Deposit From Home
Make deposits from wherever you are. Introducing the newest addition to Online Banking – Deposit from Home! You’ll just need a scanner to scan the checks you’d like to deposit, and we’ll do the rest! This convenient service is free with only high-volume accounts incurring a minimal charge based on monthly activity as follows: 0-14 deposits, Free; 15-29 deposits, $10.00 per month; 30+ deposits, $15.00 per month.

To sign up for Online Banking and this new service, visit any branch or call our Help Desk at (863) 688-3733 in Polk County or (866) 913-3733 if outside of the area.

Attention Business Owners …
Have you ever lost a sale because you only accept cash? Why not give your customers more ways to pay? With MIDFLORIDA and TermNet Merchant Services, you can boost those sales by accepting debit cards, credit cards and other electronic payments. Plus, enjoy these other benefits when you switch to TermNet:
• Low prices on point-of-sale equipment
• Check verification, guarantee and conversion
• Web, retail, mail or phone merchant solutions
• 24-hour customer support
• Fraud detection systems
• Online reports
• And more!

Don’t lose that sale – visit a branch today to sign up for merchant services!

MIDFLORIDA will be closed to observe the following federal holidays:
Monday, September 6
Labor Day
Monday, October 11
Columbus Day

Hurricane Preparedness 101: Your Homeowners Policy
A Message from Heacock Insurance

Do you have sufficient coverage to allow you to rebuild or repair any damages to your home? Construction costs, labor costs and even fuel costs to deliver supplies have all increased steadily in the past few years, potentially leaving you with a policy that’s not sufficient to cover that increased cost.

Do you have or need flood insurance? Flood insurance is an additional policy to a standard homeowners insurance policy and is backed by the federal government. It’s traditionally only required on properties located within a known flood zone, however, in recent hurricane seasons many homes fell victim to flood that were not prone to flood in the past.

Do you have replacement value on your personal belongings or a set amount? Either option is fine to have, but you’ll want to make sure you understand what your policy covers. A set amount may or may not be enough to replace all the valuables lost in a storm. A policy that includes replacement value should allow you to get the exact items replaced, regardless of the retail cost.

For help understanding your existing homeowners policy or to get a quote on a policy that may give you the coverage you want during this storm season, call Heacock Insurance.
Lakeland (863) 683-2228
Sebring (863) 385-5171
Toll-Free (800) 677-5172

A Baby Investment
A Message from Heacock Financial Group

The birth of a baby usually makes a big impact on Mom and Dad’s lifestyle and the shortage of money can rank right up there with sleep deprivation. Some items that should become priorities for the new parents are:

Budget: If both parents return to work, 10-20 percent of your salary can end up going toward child care – which can impact your budget.

Health Insurance: Sufficient coverage is important before you become pregnant! Figures for delivery are $6,500 - $11,000 according to a Metropolitan Life Insurance study.

Life Insurance: Coverage equal to at least 6-10 times your annual income is recommended. Disability insurance should not be overlooked and should replace at least 60 percent of your income in the event you need it.

Savings: Plan to have a short-term emergency fund (enough for up to six months). Contribute to tax-deferred, employer-matched retirement vehicles, then consider putting more away into an IRA. Consult a financial planner about setting up a separate college fund.

Will: Have your will updated or draw up a new one. Name a guardian and an alternate, plus someone to manage your child’s assets. Consider placing his or her inheritance in a trust.

To learn how a financial advisor can help you plan for your future, call today in Highlands County 863-385-5172, Polk County 863-683-2736 or Toll-Free 888-520-7526.

^{This material was prepared by Raymond James for use by the advisors of Raymond James Financial Services, Inc. Member New York Stock Exchange/SIPC. These views should not be construed as investment advice. All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. Heacock Financial Group is an independent Registered Investment Advisory Firm with Securities offered through Raymond James Financial Services, Inc. Securities are: Not NCUA Insured; Not guaranteed by the Financial Institution; Subject to risk and may lose value.}

Safety Tip of the Quarter
Online services are now available to consolidate your account information from multiple financial institutions. Although it’s a clever tool, it presents some risks to consider. If the third-party site was hacked, all of your data might be compromised. If you do choose to use a third-party site to aggregate your accounts, here are some suggestions to help you avoid some of the risks:

• Change your password to the third-party site often
• Use a strong password
• If you cancel your service, change all the passwords the third-party site had access to
• Read any privacy or security policies thoroughly
• Be sure the third party you choose is a well-known and reputable company

Calling Anglers of All Ages!
MIDFLORIDA Bass Fishing Challenge
Saturday, August 21
Lake Shipp Park, Winter Haven
6:30 a.m. – 1:30 p.m.

Free Registration, Free Food, Door Prizes & Prizes for top 3 anglers!
Pre-register by August 13 online or at any branch.

Visit www.midflorida.com/basschallenge for a list of rules and to register.