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What's New – September 2008

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Win up to $3,000 when you open a Business Checking account in September

Earn Cash Back* While Shopping for your Back-to-School Needs

No Appraisal Fee on Ent Reverse Mortgages.

Retirement Planning Made Easy

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

An open letter on Ent's Safety and Soundness from our CEO, Charles Emmer...

When you open a new Business Checking account the opportunities are endless when you have the freedom to spend $3,000 any way you choose. From treating yourself to a golf or spa weekend, buying new equipment for your office, or even taking your employees out for an office retreat...you decide!

When you open a new Business Checking account* in September you'll be automatically entered into a weekly drawing for a $500 Ent Visa^® Gift Card and a Grand Prize drawing for a $2,500 Ent Visa Gift Card at the end of the month!†

And whether you choose Free Business Checking, Business Dividend Checking or Business Analysis Checking, they each include:

A Free Ent Business Visa Check Card
A Free first order of business checks,** deposit slips and an endorsement stamp
Free Business Online Banking – with Bill Pay, check images, email alerts and eStatements

Open your Business Checking account today at any service center or contact an experienced Business Banker at (719) 574-1100 ext. 6770 or 800-525-9623 ext. 6770.

*Standard account and credit qualifications apply. This offer is available to new business accounts with checking open by September 30, 2008, with an opening deposit of $100. This offer is limited to one per account.
**Complimentary first order of business checks is a business check value pack, or a $35 credit towards another business check purchase.
†For official rules, please click here or stop by any of our service center locations.

Earn Cash Back* While Shopping for your Back-to-School Needs

Back-to-school shopping can be stressful, especially if it means dealing with crowds and long lines. Escape the crowds this season by shopping online at Rainbow Rewards' eMarketPlace – where you can earn up to 33% cash back for your purchases each time you use your Ent Visa^® Check Card!

Shop major national online retailers, including:

Macy's
Target
Dick's Sporting Goods
RadioShack
And more!

Visit RainbowRewards.com/Ent for a complete list of participating merchants.

By shopping at participating Rainbow Rewards merchants you're also supporting your community. Organizations such as The Home Front Cares, Inc. and United Way benefit each time you use your check card.

To learn more about Rainbow Rewards and how the program works visit Ent.com/RainbowRewards.

*A check will be sent to you directly when your Cash Reward Balance first reaches $10 (the standard $3 processing fee will be waived for the first check). After your initial $10 check, your rewards will only be distributed on a quarterly basis when your balance reaches $25. You may choose to have a check mailed to you or have your rewards directly deposited into your Ent account. If you decide to have a check mailed to you a $3.00 fee will be incurred. This fee will be deducted from your Rainbow Rewards account balance. To avoid this fee, please go to RainbowRewards.com/Ent and change your redemption method to have your money directly deposited into your Ent account. Rainbow Rewards is not available on Ent Business Visa Check Cards.

No Appraisal Fee on Ent Reverse Mortgages.

Enjoy the peace of mind that comes with financial independence.

Ent's Reverse Mortgages* give you the freedom to plan for anything, with flexible access to your home's equity.

With a Reverse Mortgage you can:

Use the cash any way you want – life necessities, medicine, today's bills or do something you've always wanted to do like travel or buy a new vehicle
Tailor the way you receive your funds – pay off an existing mortgage, receive a lump sum, establish a line of credit, receive monthly payments, or any combination of these options
Stay in your home for as long as you want
Get cash for the things you need and want without having to depend on others or rely on family

For more information about an Ent Reverse Mortgage, contact Ent Mortgage Lending today at (719) 574-1100 ext. 5602 or toll-free at 800-525-9623 ext. 5602. Or visit us online at Ent.com/Mortgage for more information.

Apply for a Reverse Mortgage and pay no appraisal fee! (A $350 Value)

Please mention promo code RMA082 to receive this offer. Offer expires 12/31/08.

*You must be 62 years of age and occupy your own home to qualify for a Reverse Mortgage. There are no income qualifications.

It's easier to meet your individual retirement goals with great investment services.

Ent Investment Services can help give you the freedom to retire comfortably someday. Whether that someday is years away or right around the corner, our CFS* registered representatives can help.

Enjoy life without slowing down.

Together we can develop a plan to assist you in meeting your goals and answer any questions you may have, including:

Will I have enough money to retire?
Which investment options will help meet my goals?
Which options are going to give me the best tax advantages?**

Take advantage of our FREE, NO-OBLIGATION consultation to review your retirement plan and look for ways to help protect your retirement savings and help maximize your assets.

Contact Ent Investment Services today at (719) 550-6550 or 800-525-9623 ext. 6550 to schedule your free, no-obligation consultation.

*Our investing and financial services are provided by representatives who are registered through our broker/dealer, CUSO Financial Services, L.P. (CFS). Investment products and services offered through CFS are not NCUA/NCUSIF-insured, not guaranteed or obligations of the credit union, and may lose value. Ent is affiliated with CFS (Member FINRA/SIPC). Registered Representatives are employees of Ent and registered through CFS. **For specific tax advice, please consult a qualified tax professional.

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.

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...

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. Don't wait until it's too late! If you think you may start falling 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.

An open letter on Ent's Safety and Soundness from our CEO, Charles Emmer...

A Message to Ent Members:

With the recent media coverage about bank failures and limits on deposit insurance, we're hearing from some members concerned about the safety of their deposits with Ent. Through the end of June, Ent's financial condition is strong with net income ahead of plan for the first half of the year. Member deposits have exceeded our expectations so far and our capital reserves provide strong 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.

Ent's largest holdings are in loans to members like you. Nearly $1.8 billion of our $2.5 billion in assets is in consumer loans to members. Our members continue to repay their loans at record rates in spite of a challenging economy. The quality of a consumer loan portfolio like Ent's is largely measured by its overall delinquency. With only 0.60% of our loans in technical delinquency, that means that 99.4% of all loans are paid up to date. By comparison, the national average delinquency rate for the fifty largest credit unions in the United States was over .80%. Thanks to all of our members for honoring their borrowing agreements with us.

Much of today's concern about financial institution safety and soundness is a result of some bank and mortgage finance companies' involvement in sub-prime mortgage lending – loan products that Ent has never offered. When it comes to Ent's mortgage lending products and services, we are as strong and resilient as ever. We will continue granting loans that keep your best financial interests in mind. We have and will continue to originate, process, fund and service mortgage loans in-house to ensure your financial safety and security.

As a federally insured credit union, Ent is restricted to federally insured or backed investments. Federally backed securities are considered the most secure of all investments. Our federal insurance is provided by the National Credit Union Administration (NCUA) and is equal in every respect to the federal deposit insurance provided to banks. For more information about insurance for your own deposits, contact an Ent Member Service Representative.

We have seen uncertain times like these before, yet because our business model is focused on safety and soundness, we're able to continue providing you with high quality 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

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