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Go Green with MIDFLORIDA

Introducing Green Checking

Save time ~ Save money ~ Save paper

Green Checking offers:

• Free Online Banking
• Free Online Bill Payment
• Free Debit Card
• Free eStatement
• Plus, your debit card on Green Checking will allow you to earn money for the green cause of your choice³ and register you to win a 2007 Prius or $10,000 with each signature-based transaction.⁴
• Free $50 Walmart or Target Gift Card and Eco Bag with your new Green Checking!¹
• Enter to win a Gone Green Bike at any branch.²

Click here for a complete set of rules and promotion details.

1. To qualify for the free $50 gift card, this must be a new Green Checking account on a base savings account that does not already have a checking account. Minimum deposit to open the account is $50. For the account to qualify as Green Checking you must accept and open online banking, online bill payment, eStatement, eNotice, direct deposit and a debit card. The gift card and eco bag will be recorded as a bonus on your account and will be reported to the IRS. Gift card will be mailed to the address on the account once the following criteria have been met within 30 days of account opening: Five debit card transactions and acceptance of eStatement after sign-on to midflorida.com. 2. Enter to win at any branch. One bike per branch will be given away on December 15, 2009. 3. When you use your debit card that is tied to your Green Checking account as a signature-based transaction, a donation of up to 10 cents will be accrued for the cause you have designated. See midflorida.com for more details. 4. Each time you use your MIDFLORIDA CheckPlus debit card (that is tied to your Green Checking account) between September 15, 2009 - April 4, 2010 as a signature-based transaction, you will be automatically entered to win a 2007 Prius or $10,000. Only debit cards tied to Green Checking are valid to participate in this promotion. Visit midflorida.com or any branch for more details.

MIDFLORIDA now State-Chartered

On September 1, 2009, MIDFLORIDA became a state-chartered credit union. The membership vote, which was held in August, recorded 91 percent of the members who voted as voting for the conversion. We’re pleased that so many of our members share our vision for the future of the credit union.

While the conversion promises MIDFLORIDA the option for future expansion, the most notable change is the name – we are now MIDFLORIDA Credit Union. However, we will continue to use the name we’ve established as one of our guiding principles – MIDFLORIDA, What A Bank Should Be.

Calling Anglers of all Ages!

Join us Saturday, November 7, at Lake Shipp Park in Winter Haven for this fun member-only event. The event is free and available to everyone, regardless of age or whether you’re a boat owner or not. There are two divisions available to compete in – Open and Kids. Prizes include: depth finder, polarized sunglasses, Bass Pro Shop gift cards, rod and reel combos and much more. Plus, you’ll enjoy free food, door prizes and entertainment. For more details or to register, visit midflorida.com/basschallenge.

Congratulations to Holly Adam, grand prize winner of the Summer of 2009 Swipeout Debit Card Promotion. Keep using your debit card and watch for the next exciting promotion.

New Account Terms and Conditions Enclosed

An updated copy of your account Terms and Conditions is enclosed with your statement. Please review and keep it with your account files for reference.

Ho! Ho! Ho!
Holiday checks mailing soon!

You’ve saved up for this, and now it’s time to enjoy what you’ve looked forward to all year – unbridled holiday shopping. Look for your check to arrive the first week in November.

Upcoming Holidays

MIDFLORIDA will be closed to observe the following federal holidays:

• Wed., November 11 Veterans Day
• Thurs., November 26 Thanksgiving Day
• Thurs., December 24 Christmas Eve Day (closing early at 1 p.m.)
• Fri., December 25 Christmas Day
• Thurs., December 31 New Year’s Eve Day (open normal business hours)
• Fri., January 1 New Year’s Day
• Mon., January 18 Martin Luther King, Jr.’s Birthday

When was your last financial checkup?
A message from Heacock Financial

Nearly everyone has heard their doctor preach, at one time or another, about the need for routine checkups. Yet, how often do you consider the need for a review of your personal finances? By asking yourself the following questions, you may determine that the time has come for a financial checkup:

• Do you have financial goals? If so, are they in writing and do they include deadlines?
• Is your debt under control? Do you pay off your credit cards each month?
• Have you reviewed your investment portfolio recently? Are you comfortable with the level of risk associated with your current investments?
• Are you satisfied with the rate of return that your investments are generating?
• Have you started a retirement fund yet? If so, will your current rate of savings provide an adequate fund to meet your future retirement needs?
• Have you reviewed your tax situation recently to see if there are ways to reduce your tax liability?
• Have you started a savings program to meet the cost requirements of your children’s college education? If so, will your current savings rate be adequate given the effects of inflation and rising tuition costs?
• Have you reviewed your life insurance coverage recently? In the event of an untimely death, will your current policies provide adequately for your spouse and/or children?

If you are not satisfied with your answers to any of these questions, contact one of the advisors at Heacock Financial today. Together, they can help you work on getting your finances on track.

For more information or to set up an appointment call (863) 683-2736 for Polk County, or (863) 385-5172 in Highlands County, or Toll-Free (888) 520-7526. Heacock Financial is located at 1109 US Hwy. 27 N. Sebring; 129 S. Kentucky Ave., Lakeland; and 100 E. Main St, Lakeland.

This material was prepared by Raymond James for use by the Financial Advisors of Heacock Financial, Raymond James Financial Services. Heacock Financial is an independent registered investment advisory firm. securities offered through Raymond James Financial Services, Inc. Member FINRA/SIPC. Securities are: not deposits; not insured by NCUA or any other government agency; not guaranteed by the financial institution; subject to risk and may lose value.

MIDFLORIDA members get access to the Red Umbrella
Heacock Insurance Group offers Travelers Insurance
You may have seen the red umbrella advertisements for Travelers Insurance on TV stations or in popular magazines and newspapers, but you may not have realized that this nationally recognized premium insurance provider is just one of the many lines available to you through Heacock Insurance Group.

So what does Travelers Insurance offer you?

• A wide variety of insurance products
• The best coverage for the best price
• Fast, fair and efficient claims service – a response in hours, not days
• Highest level of claim service
• Customer service satisfaction of 99 percent

If you’re interested in finding out how the red umbrella covers your auto, call Heacock Insurance Group. They’ll conduct a thorough review of your existing policies and see if Travelers Insurance or any other insurance line is best for you.

To get a no-obligation quote, call a representative today!
Polk County (863) 683-2228
Highlands County (863) 385-5171
Toll-free (800) 677-5172

Paying your business or individual taxes has never been easier

Electronic Federal Tax Payment System (EFTPS) offered through the federal government offers you a secure, easy, accurate and convenient way to pay your business or individual taxes. EFTPS allows you to use your phone or the internet to pay your taxes without having to run to the bank and stand in line. And the service is available 24 hours a day, 7 days a week, so you can make your payments when it’s convenient for you.

To get more information on this free service or to enroll, visit www.eftps.gov or call toll-free (800) 555-4477.

Business lending ...
still local with MIDFLORIDA

Many central Florida business owners are now experiencing what it’s like to become a number as many local banks have been gobbled up by larger, regionally run banks. MIDFLORIDA’s Business Department touts a team of local commercial loan officers that know the local market and want to know you, your business and your business goals. If you’re looking to be known rather than be a number, call (863) 616-2164 to speak to a commercial loan officer.

Local lending decisions up to $5 million!

Safety Tip of the Quarter: Facebook phishing

Facebook, which has become a popular means for keeping families and friends connected, is one of the newest victims of a recent phishing scam. Here’s how it works: a Facebook message is sent from a friend’s account (simulating the message normally received when a friend has made a post). The message includes a link which directs you to a log-in page. Once you have typed in your e-mail address and password, the scam is continued by allowing your address files to be hacked, and then your friends are sent the message. Of course the real danger is giving a fraudster access to personal details that may make it easier to steal your identity or defraud your accounts.

How to avoid this scam: Get in the habit of typing in addresses of sites you commonly visit and avoid clicking on links sent to you in e-mail messages. Plus, use phishing filters on your e-mail.