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What's New – December 2008

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Take the guesswork out of gift giving with Ent Visa Gift Cards!

Enjoy benefits reserved only for Preferred Members.

Skip-A-Pay - Give yourself the gift of extra holiday cash.

Freedom is having enough to help others.

Earn Cash Back with Rainbow Rewards^SM this Holiday Season.

Credit problems in the past? Is your credit ready for a new loan?

Freedom Is... Having Confidence That My Money Is Secure.

From our CEO, Charles Emmer: "Is your money secure at Ent? In a word, yes."

When you give an Ent Visa Gift Card, you'll know that everyone on your list can get exactly what they want, when they want it! It's the easy way to shop, and can help free you from the stress of holiday gift giving. Buy them online or at any Ent Service Center for just $3.95 a card. Ent Visa Gift Cards are available in any whole dollar increments from $20 to $500, and balances can be refunded or replaced if lost or stolen. Contact Visa at 1-866-840-3792 for further details.

'Tis the season for an Ent Visa Gift Card. For more information or to purchase Gift Cards today, visit Ent.com/GiftCards or your nearest Ent Service Center.

Ent's Preferred Member Program is designed to give you the freedom of more benefits and the kind of extras you won't find anywhere else � enjoy free identity fraud protection,* first-to-know member communications, periodic Preferred Member special offers and more!

It only takes four points to qualify and earning points is simple. Each item from the categories below will earn you one point:

Current Services � Mortgage, any Consumer Loan, Home Equity Loan or Line of Credit, Direct Deposit, Visa� Check Card, eStatements and Online Bill Pay
Partner Service Relationships � Ent Investment Services, Ent Insurance Group, Ent Wealth Management and Trust Services
Balances � Combined Loan Balances greater than $50,000, Combined Deposit Balances (including Certificates) greater than $25,000
Other Attributes � Ent Member 10+ Years, Active or Retired Military

New enrollments in the Preferred Member Program** are updated monthly and are valid through June of the following year.

For more information on how you can become an Ent Preferred Member, visit Ent.com/Preferred, call (719) 574-1100 or 800-525-9623, or stop by an Ent Service Center today.

*Activation is required for identity fraud protection.
**The Preferred Member Program is currently only available for individual member accounts and does not include Business and/or Corporate accounts.

Skip-A-Pay - Give yourself the gift of extra holiday cash.

Need a little more cash for the holidays?

During November, December or January, skip a payment* on qualifying consumer loans for a one-time fee of just $10.

Make your Skip-A-Pay arrangements through Online Banking at Ent.com, by calling us at (719) 574-1100 or 800-525-9623, or by stopping by any Ent Service Center today.

*Skip-A-Pay terms and conditions: Ent is pleased to offer a consumer loan Skip-A-Pay option for your November 2008, December 2008 or January 2009 payment, available on your Auto, Recreational Vehicle (Motorcycle/RV/Boat), Personal or Share (Savings) Secured Loans. (This option is not available on Mortgage Loans, Home Equity Loans, Lines of Credit, Single Pay Notes, or Business Loans or Lines of Credit.) You understand and agree that: (1) All Ent accounts must be in good standing and other qualifications apply; (2) the Skip-A-Pay feature is optional; (3) the Skip-A-Pay feature allows for a one-month maximum deferment; (4) FINANCE CHARGES will continue to accrue at the rate provided for in your original loan agreement, during and after the payment deferral; (5) deferring your next payment will result in you having to pay higher FINANCE CHARGES than if you made your payments as originally scheduled; (6) this payment deferral will extend the term of your loan(s); (7) you will be required to resume your regular monthly payments in the following month; (8) you agree to pay the $10.00 Skip-A-Pay fee, per loan skipped.

Freedom is having enough to help others.

Holiday Food Drive - November 3 through December 31

Food items and monetary donations can be dropped off at any Ent Service Center this holiday season; click here for Ent locations and hours. Both Care and Share and the Food Bank of the Rockies are part of America's Second Harvest, the nation's largest charitable hunger-relief organization. For a list of the most needed items or all about donating online, visit careandshare.org

and foodbankrockies.org

Earn Cash Back with Rainbow Rewards this Holiday Season.

You'll enjoy holiday shopping even more with the freedom to earn cash back from Rainbow Rewards.

The holidays are even happier when you earn cash back on your purchases. Just use your Ent� Visa� Check Card when shopping at any participating Rainbow Rewards merchant this holiday season and you can earn up to 20% cash back on signature based transactions!

Earn cash back with your check card

When you shop from hundreds of local merchants
When you shop national online retailers from the Rainbow Rewards eMarketPlace
And, when you take advantage of exclusive "Hot Deals" at select merchants!

Your Ent Visa Check Card has been automatically enrolled in this free member benefit, and is just waiting for you to verify your account at RainbowRewards.com/Ent. You may have already earned cash back!

If you prefer not to participate in this free member benefit, please visit RainbowRewards.com/Ent or call 1-866-Get-Give (1-866-438-4483) to opt out.

See if you can save money with a free commercial insurance quote

Let Ent Insurance Group (EIG) give you a free quote, and see if you can save money this year on your commercial insurance. Our independent brokers will search the leading national carriers and compare rates to find the insurance options that meet your business needs at affordable rates.

For your Commercial Life and Health Insurance needs, contact Michael Stewart at (719) 550-6585 for free quotes on:

Group health insurance
Business life insurance
401(k) plan design and administration
Insured buy and sell agreements

Interested in reviewing your Commercial Property and Casualty Insurance? Contact Darin Brandt at (719) 550-6572 for free quotes on:

Liability and property insurance
Commercial vehicle insurance
Workers compensation insurance
Business owners and contractors packages

Insurance products are offered through Enterprise First Financial Services (EFFS). Property and casualty insurance offered through CUDCI. EFFS is a Colorado licensed insurance agency and a wholly owned subsidiary of Ent Federal Credit Union. Products are not NCUA/NCUSIF insured and are not guaranteed or obligations of Ent Federal Credit Union.

Are you having trouble making your Ent mortgage or vehicle loan payments?

We understand that in today's economic environment more members than ever before are facing loan payment issues. Whether you're thinking you may start falling behind, or you're already behind, contact an Ent Member Solutions Specialist today via email or by phone at 800-525-9623 x. 5610 for assistance with: protecting your credit, making payment arrangements, and potentially avoiding foreclosure and/or repossession.

Credit problems in the past? Is your credit ready for a new loan?

At Ent, we understand that bad things can happen to good people, and their credit. If you've had credit problems in the past, we've created an online quiz to help you assess if your credit is ready for a new loan. Take our online credit readiness quiz today...

FREEDOM IS having confidence that my money is secure.

As a member, your peace of mind is important to us.

A difficult economy can mean anxiety and sleepless nights. That's why for over half a century our core business practices have been based on sound financial principles with our members' best interest always in mind. And because our financial strength is top-rated and deposits are insured by the NCUA,* you can feel confident that we will be here for you today and through any future economic turmoil. For detailed information on our financial position, our annual report and monthly financials are available online or at any of our service centers.

* Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

(10/6/08) - From our CEO, Charles Emmer:
"Is your money secure at Ent? In a word, yes."

To all Ent Members:

News reports of the past months � culminating in the recent Federal effort to restore the foundation of our financial system � have caused anxiety about the safety of personal savings and investments, and the soundness of financial institutions. While others may be on shaky ground, credit unions � and Ent Federal Credit Union, in particular � have been a steady, calm, safe foundation for consumers and businesses alike.

Is your money secure at Ent? In a word, yes.

Ent's financial condition remains strong. Through August, net income is ahead of plan, member deposits have exceeded expectations, and capital reserves provide protection against any potential future financial difficulties. And we continue to receive high regulator ratings, reflecting safe and sound management of your credit union. Our monthly financial results are available in each service center and on our website, (http://www.ent.com/about/StatementOfFinancialCondition.pdf)

Our core business is unchanged in our 52 year history. We accept deposits from members like you and loan the funds to other members for cars, homes, and other purposes. The difference between what we pay members for their deposits (dividends or �interest�) and what we receive in loan payments (interest) � plus revenue from other income sources � provides the income we need to meet operating costs and invest in additional services to benefit members.

You may want to know more about what makes us different from the organizations you see in the headlines, to help gain the peace of mind you want and deserve. You should know that Ent's largest holdings are in loans to members like you; more than $1.8 billion of our $2.5 billion in assets is in loans to members. The quality of a loan portfolio like Ent's is largely measured by its overall delinquency. Only 0.46% of our loans are delinquent (August 2008); 99.54% of all loans are paid up to date. In comparison, the national average delinquency rate for the fifty largest US credit unions at mid-year was more than .80%. Thanks to all of our members for honoring their borrowing agreements with us.

Our loan-to-deposit ratio � just under 83% at the end of August � means we have additional funds available to make loans or invest appropriately, without borrowing. Several of the major financial institutions whose names have made headlines were greatly overextended in borrowing money against actual funds on hand � and have paid a dear price for that practice.

Our federal insurance is provided by the National Credit Union Administration (NCUA), is equal in every respect to the federal deposit insurance (FDIC) provided to banks, and is backed by the full faith and credit of the U.S. Government. With the passage of the Emergency Economic Stabilization Act of 2008 on Friday, October 3, your savings are insured up to $250,000 on accounts with Ent until December 31, 2009. Larger coverage amounts are possible depending on how the account relationship is structured. For more information about insurance for your own deposits, contact an Ent member service representative, visit us online at Ent.com or visit the NCUA's website at NCUA.gov

.

We cannot be sure when the current financial turmoil will end. Yet, because our business model is focused on safety and soundness, we can continue providing you high quality, safe and secure financial solutions. If you have questions or need individual help, stop in any Ent Service Center or contact our Member Service Call Center at (719) 574-1100 or 800-525-9623.

Sincerely,

Charles Emmer signature

Charles F. Emmer
President and CEO
Ent Federal Credit Union

Ent will be closing early Thursday, Dec 4, for an employee meeting.

The following service center hours will be effective for December 4, 2008 due to an Ent Employee Meeting.

Buckley, Firestone, 17th, LoDo and Rye will close at 3:30.

Spaulding and Decibel will close at 4:00.

Woodland Park and Schriever will close at 4:30.

Remaining Service Centers, along with the Call Center, will close at 5:00.

Third party website links will launch you to a website that is not controlled or owned by Ent. Ent does not contribute to the content displayed on these websites and does not legally endorse services or represent you or the third party in transactions conducted via these linked websites. Please be aware that information security and privacy policies may differ from those practiced by Ent.