NOTICE TO SABINE FEDERAL CREDIT UNION MEMBERS:

Due to recent events in the banking and mortgage industries, many members may be wondering if their funds are safe at Sabine Federal Credit Union. The simple answer is ...YES! Sabine Federal Credit Union is proud to note that we have reserves and capital at levels much higher than the regulatory limit. Our delinquencies and losses remain far below the industry norms. Sabine Federal Credit Union is also pleased that we do not have any of the sub-prime loans that have caused the mortgage situation that is occurring across the country.

In addition, your shares at Sabine Federal Credit Union are insured to at least $100,000 by the National Credit Union Share Insurance Fund (NCUSIF), an arm of NCUA. For further information about the Federal Insurance Fund, click here.

MORE DRIVE-THRU LANES NOW OPEN AT STRICKLAND DRIVE OFFICE

To better serve our members, we have opened even more drive-thru lanes at our office located on Strickland Drive. For those of you who prefer to visit our lobby, we still have personal service from our tellers, as well as a Quick Service area to assist with things such as temporary checks, check copies, printouts, check orders, and more. We also have an ATM available in our foyer.

* * * F R A U D A L E R T * * *

Sabine Federal Credit Union has become aware of a scam in which members have received an automated phone call notifying them that their Visa check card has been restricted and to call an 800 number. Once called, you are greeted by an automated voice from a bank security center asking you to input your card number and PIN to reactivate your card. The credit union and our associates will NEVER initiate phone calls or emails soliciting your credit union account number, user name, password, PIN (personal identification number), credit / debit card numbers or other personal identifying information. Please do not give any personal information out over the phone and do not respond to similar emails. If you have any questions please contact Sabine Federal Credit Union.

FINDING THE PERFECT GIFT JUST GOT EASIER!

Everyone enjoys the convenience of a Visa gift card. It's the ideal choice for graduations, birthdays, holidays, weddings, and all your gift-giving occasions. Take a look at the advantages:

• Flexibility: Recipients can buy what they want, when they want - whether shopping online, in person, or by phone.
• Protection: It's safer than cash and can be replaced if lost or stolen. Plus, it provides the protection and security features you've come to expect from Visa.
• Choice: Visa gift cards can be used everywhere Visa debit cards are accepted - that means millions of places to choose the perfect gift.

And since it's a prepaid card, spending is limited to the amount of money placed on the card for your recipient. Load the gift cards with whatever value you wish, from $10 or more. To purchase a Visa gift card today, simply stop by either of our Sabine Federal Credit Union locations and see a lobby teller.

THERE'S A BETTER WAY TO GET THAT NEW CAR SMELL

A "new car smell" air freshener won't fool anybody. To get that real new car smell, you need a new car. The best way to do that is with a new or used auto loan from Sabine Federal Credit Union. In addition to the new car smell, you could be driving away with a $100 Visa gift card to help out with the high gas prices.

• promotional rate as low as 4.90% APR for up to 60 months
• promotional rate as low as 5.50% APR for up to 72 months
• promotional rate as low as 5.75% APR for up to 84 months (new autos only)

*APR indicates annual percentage rate. Monthly payment amount approximately $18.83 on $1,000 for 60 months at 4.90% APR. Loans available to qualified members only. Offer good through July 31, 2008. Promotional rate and gift cards apply to new loans only. Gift cards given to loans with a minimum balance of $10,000 (1 gift card per loan). Offer excludes existing loans with Sabine Federal Credit Union.

CONSUMER ALERT: SCAMMERS TAKING ADVANTAGE OF NEW FEDERAL ECONOMIC STIMULUS PACKAGE

Texas Attorney General Greg Abbott is warning Texans to be aware of a scam that has emerged in connection with the proposed federal economic stimulus package. Under recently passed legislation, the Internal Revenue Service (IRS) will mail tax rebate checks to eligible Texans over the next few months. President Bush has indicated he will sign the package into law today.

Several Texans recently filed complaints with the Office of the Attorney General after receiving unsolicited e-mails and telephone calls from purported IRS agents claiming that the taxpayers are eligible for "Bush refunds." The scammers demand taxpayers' Social Security and checking account numbers, claiming the IRS will use the information to directly deposit "rebate checks" into the taxpayers' accounts.

This is outright identity theft fraud, warns Attorney General Abbott. The IRS does not call or e-mail taxpayers unexpectedly to demand personal information for direct deposits. Taxpayers solicited in this manner should just hang up or delete the e-mail.

Texans who have received these bogus solicitations can file a complaint with the IRS at www.irs.gov or by calling (800) 829-1040. Consumers also can report such calls to the Texas Attorney General's office, at http://www.oag.state.tx.us/.

NEED TIPS ON BUDGETING? CAR BUYING? SAVINGS? ID THEFT?

Sabine FCU's Member Education Center has your answer. This lobby display, available at both offices, is filled with an assortment of brochures, covering a variety of topics. Just to name a few...Autos & More: The Truth About 0% Financing, Back in the Black: Tools to Keep Your Checkbook on Track, Budget Blueprint: Design Your Own Spending Plan, Credit Cards: When to Switch & Save, Financial Planning for Emergencies, Holiday Safety: Tips for Shopping Safely Online, ID Theft: How to Prevent It and How to Get Over It, Teach Children About Money, What to Keep and What to Throw Away, and Online Banking: Fast, Simple, Safe.

NEW! 24 HOUR LENDING SERVICE!

When it comes to lending, our business hours are 24/7. You can apply for a loan 24 hours a day, seven days a week over the phone. You get the information you want, when you want it. Call 409-886-3647 or 409-988-1300. If it is after our regular business hours, you can press 8 to be connected with a live person to help with your lending needs!

* * * F R A U D A L E R T * * *

We have been made aware of several phishing scams in which members are emailed from a fraudulent company posing as CUNA (Credit Union National Association), NCUA (National Credit Union Administration), Visa, Town North Bank, Verified by Visa, or even Sabine FCU. This email instructs recipients to "click here" to confirm your identity or acknowledge your account. The Credit Union and our associates will NEVER initiate emails soliciting your credit union account number, user name, password, PIN (personal identification number), credit card numbers or other personal identifying information. If you receive a similar email, do not reply. Delete it from your mailbox.