• An online account application that will allow existing members to add shares and new members to join the credit union and open share accounts.
• Identity Verification, an extra level of online security for MemberLink and Informer users.
• Googolplex, an online youth magazine that contains stories, games and puzzles for elementary, middle and high school students. It's all about money - getting it, saving it, spending it and borrowing it.

Of course, we will continue to explore new products, greater convenience, and expanded services as we grow. As a member/owner of Justice FCU, you play an important role in that growth by choosing to consolidate your accounts here - at your full-service credit union - rather than spreading your financial accounts among different financial institutions. You can also help the credit union grow by telling your eligible co-workers and family members about the benefits of credit union membership. Watch for upcoming membership promotions.

Why Membership Counts!
The philosophy behind banks is to make money for their stockholders. As a member-owned and operated credit union, our focus is on each member. Because we are motivated by service rather than by profits, we are able to offer lower rates on loans, fewer fees, and higher rates on deposits than most

banks. But even more important, we are committed to helping our members establish sound foundations for their families' financial security and well-being.

Through our mortgage programs, we help members realize the American dream of homeownership. Other lending programs enable young people to borrow enough money to make college education a reality, help individuals buy the cars they need to get to their jobs, and allow others to furnish their homes or take dream vacations. We even have business lending programs that can help launch and strengthen small businesses and their communities.

Our deposit products are federally insured, providing members a safe place to set aside money for emergencies, major purchases, or retirement. We help educate young people about the importance of saving and financial responsibility through our Young Savers Account, and provide a way for members to prepare for retirement with tax-advantaged individual retirement accounts (IRAs).

Focusing on Our Mission
Justice FCU continues to build on the tradition on which credit unions were founded. We appreciate your loyalty, encourage your participation in credit union governance, and welcome your comments and suggestions.

Best wishes for a healthy, happy, and prosperous 2007.