VyStar Facts May 2009



Now, Join Our Four Families in the VyStar Money Makeover WATCH THEM Cheer them on as they succeed. Understand as they struggle. Be inspired by their stories and see which of our Money Makeover ‘09 contestants will improve their financial situation the most to WIN the Grand Prize of $10,000. Their goal is to reduce debt while increasing savings. We want to help these families and, through them and our Money Makeover program, also help other members learn ways to help improve their financial health. They’ll be learning valuable, practical money management lessons along the way and you can learn right along with them. Get regular video updates and blogs covering each family’s progress toward a brighter financial future from our website and on the websites of our TV partners CBS 47 and FOX 30 at www.actionnewsjax.com. JOIN THEM Everyone can participate in our Money Makeover. Yes, you can also get your finances into shape and VyStar is committed to helping you do it. Start by downloading a copy of the “Money Makeover At Home Guide” from our website at www.vystarcu.org or pick up a copy at any VyStar branch. Then, meet with a VyStar Coach of your own at any VyStar branch. Be on your way to less debt and more savings today! Money Makeover AT HOME GUIDE: Your own Money Makeover can begin with this unique financial exercise and budgeting tool. Understand your current financial situation, track your spending, make tough decisions, develop a monthly budget, and save for the future. By providing this program and booklet, we hope to help members establish and maintain financial goals while guiding them through valuable money management lessons along the way. It’s free, it’s smart! Money Makeover Free Financial Tools: We want to give you the tools to do a successful Money Makeover of your own. We’ve provided a number of programs on our website. It’s free, it’s online now! Monthly Budget Planner: Download an Excel spreadsheet/template for recording and managing your monthly cash flow during the year. BalanceTrack®: Special link to an educational program that guides you through the core aspects of personal financial management. Financial Calculators: Use online calculators to refine your budget and plan your future (get answers on home and personal financing, investment and retirement). FinanceWorks®: From the makers of Quicken®, login to VyStar Internet Banking to manage your finances and gain control over spending to save more.

Go Greener with Electronic Statements You've already begun to Go Greener by getting your VyStar monthly member statements online. Your e-Statement is ready now in Internet Banking. But did you know e-Statements are also available for your credit card account? Start enjoying the benefits of a simple paperless life. Get your credit card statements online now at www.vystarcu.org. Login to VyStar’s secure Internet Banking and click on your Credit Card Account Name. At the top of your credit card information screen, select “Online Services” and enroll in e-Statements. It only takes a minute of your time and offers a world of convenience and savings. Sign up today! Using all VyStar’s services to Go Greener clearly has a direct, positive effect on the environment, but the benefits go much further, reaching into cost and your security. Visit "Go Green" at www.vystarcu.org for more ways to Go Greener.

Simply Sensible Auto Sale Saturday, May 16th 9 a.m. to 4 p.m. At Regency Commons Branch Come to the VYSTAR AND ENTERPRISE CAR SALES ONE-DAY EVENT at 686 Commerce Center Drive (Regency Commons Branch location). Take advantage of great selections, offers and prices. Get pre-approved today for the right rates and right terms on a VyStar loan. $500 Gift Card with purchase $25 Gas Card with VIP pre-approved loan and purchase Up to 100% VyStar Financing with the right rates and right terms First Car Payment On Us for the first 15 members who make a purchase No-Haggle Prices below NADA suggested retail value Trade-ins are welcome VyStar Credit Union and Enterprise Car Sales® offer valid only on Enterprise vehicles and only for the one day car sale event May 16, 2009. Number of vehicles available at the sale to be determined. Trade-ins are welcome. All purchase prizes, giveaways and bonuses are provided by and the responsibility of Enterprise Car Sales. $500 Gift Card will be issued 30 business days upon sale purchase of Enterprise Car Sales vehicle; not redeemable for cash. Cannot be combined with any other offers. Not valid on previous purchases. Void if 7-day repurchase agreement is activated. $25 Gas Card will be issued upon meeting criteria requiring a VyStar VIP pre-approved loan and Enterprise purchase the day of the sale only. Gift Voucher of not more than $350 for first VyStar loan payment will be issued to the first 15 Members who purchase an Enterprise vehicle during the Enterprise Car Sale. Financing for qualified VyStar Credit Union members. All loans subject to credit approval.100% financing terms and conditions subject to approval. Certain restrictions may apply. VyStar employees and their family members living in the same household are not eligible to receive the first car payment offer.

Get Pre-approved for a VyStar Loan Today! Right Rates and Right Terms: No matter what you hear about loans being harder to get, we’re ready to provide financing to qualified borrowers. Get pre-approved for a car, truck, SUV, boat, Jet Skis, RV, or motorcycle loan today. Our loans offer the best possible rate, no hidden fees or fine print surprises and no hassles. If you’re in the market for a used vehicle, we conduct sales throughout the year that offer a great selection of late model, good condition used vehicles at great prices and a loan you can afford after the purchase. Watch for more details at www.vystarcu.org, in the branch and your mailbox. Get pre-approved and be ready to shop. Talk to an experienced VyStar Representative today about financing. We give you straight answers and sound advice. Call 777-6000 or (800) 445-6289 option 3, stop by a branch, or apply on our website via Internet Banking.

VyStar Financial Group, LLC Board Members VyStar Financial Group, LLC has elected the following Board Members to serve as its Officers: Lawrence R. Jacobs, Chairman Michael Cascone, Vice Chairman Bobby Waldrup, Secretary/Treasurer Other members include: George Bajalia, Director P. Kem Siddons, Director George R. Berry, VyStar Credit Union Chairman of the Board and Terry R. West, VyStar Credit Union President/CEO are ex-officio members. VyStar Financial Group, LLC is a wholly owned subsidiary of VyStar Credit Union.

NOW OPEN - VyStar Lake City Branch Grand Opening Celebration May 14th– 16th 411 NW Commons Loop, Lake City, FL Full-Service with Drive-thru Teller Lanes, ATMs and Safe Deposit Boxes Visit our website at www.vystarcu.org for a map of our new branch location and come celebrate with us. Fun for all ages — refreshments, giveaways and a drawing.

Holiday Closing All VyStar offices will be closed on Monday, May 25th in observance of Memorial Day.

VyStar e-Statement Notification
Your VyStar e-Statement is now ready for viewing. Please go to www.vystarcu.org and login to Internet Banking. Click the Statements tab at the top of your screen and you're on your way. Reconcile your accounts. Save or print your statement for your records. Can't remember your password? Go to “Forgot your password?” in the Internet Banking Login box on our website homepage and follow the instructions. Can’t remember your security challenge questions? Call (904) 777-6000 or (800) 445-6289, option 1 for assistance. Please do not respond to this message. This is a system generated email from an automated mailbox.