• Choice One Annual MotorWorld Car Sale
• Your Home Can Finance Your Dreams
• MAPS™ Low Payment Vehicle Financing
• Make Life More Rewarding!
• Job Change? Don't Ignore Your Retirement Plan Dollars
• Check Out cha-ching!^SM For Teens
• Fetch Some Money Sense With The Dollar Dog!
• Youth Week Recap
• Holiday Closings
• Share the Benefits
• It's Spring Renewal Time
• Nationwide Insurance^®
• Don't Go Dormant!
• Our Mattress Is Safer Than Yours

Choice One Annual
MotorWorld Car Sale
May 23, 2008

With this special Vehicle Loan offer, you can kick off the summer with serious savings on your next car, truck or SUV purchase at MotorWorld!

Choice One Vehicle Loans Offer:

• Low Interest Rates
• Terms Up To 72 Months
• Up To 100% Financing
• And More!

Get Over $75 In Rewards!*
When you finance your purchase at Choice One, you will receive five car washes and $25 cash.*

After you have made your purchase, drive to the credit union and let us take your picture in your new car. You'll appear in the next issue of this publication, Choice Matters!

While you are at the credit union, sign up for convenient Choice One Checking, VISA^® Check Card and Direct Deposit. Once you enroll, you will receive a $50 gas card and an entry to win a $350 gas card!*

Don't Miss The Savings!
Head over to MotorWorld today to take advantage of this great offer - you can choose Choice One financing on the spot at the dealership! Stop by or call (570) 823-7676 ext. 233 to learn more.

*This is a combined offer. Make your best deal on a package price. $25 cash bonus will be deposited into member’s credit union account and five car wash certificates will be awarded by Choice One when member purchases a vehicle at MotorWorld and finances the purchase through Choice One. After purchase through MotorWorld and financing with Choice One, a $50 gas card may be awarded to any member who enrolls in Choice One Checking, Visa Check Card and Direct Deposit; members must also use each service at least once before receiving the $50 gas card. By actively using these services, the benefits go far beyond the $50 gas card. No purchase necessary to win $350 gas card. To enter without applying for a Vehicle Loan, stop by the credit union. Members who purchase a vehicle at MotorWorld and finance the purchase through Choice One will receive one entry into the $350 gas card sweepstakes. Odds of winning $350 gas card will vary according to the number of entries received by the entry deadline of end of business day on June 6, 2008. $350 gas card winner will be selected on June 9, 2008. Offer can be withdrawn or changed at any time without notice. Contact the credit union for complete details.
**APR=Annual Percentage Rate. All rates subject to change without notice. Rate shown is for qualified borrowers, other rates and terms available. Contact the credit union for complete loan details.

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Your Home Can Finance Your Dreams

Your home shelters your family and keeps you safe, but it can also provide equity to finance the things you've been waiting to afford. Just imagine: remodel a room; take a long-awaited vacation; pay down those nagging credit card bills. Don't hold off because you're missing the extra cash - the money is likely right under your feet. Choice One Community CU can help finance your dreams with a variety of terms and great rates on a Home Equity Loan or Line of Credit. Plus, interest may be tax deductible (check with your tax advisor).

Home Equity Options To Fit Your Lifestyle
We’re flexible. You can borrow a set sum with a fixed-rate Home Equity Loan, at terms of five or ten years, with limits of up to either $24,000 or $75,000. Or, with an adjustable-rate Home Equity Line Of Credit, you can borrow only what you need, up to $75,000, and pay back the balance for up to 20 years. As you repay what you've borrowed, the principal becomes available to you again.

Why Wait?
Apply now! We've got applications online at www.choiceone.org or call our 24/7 Loan Call Center at (866) 851-1658. We’ll take care of the details for you.

*APR=Annual Percentage Rate. Rates and terms are subject to change. Other rates and terms available. Our Home Equity Line of Credit is based on the Prime Rate plus zero percent as published in the Wall Street Journal. Consult your tax advisor for tax-deduction eligibility. Contact the credit union for complete loan details.

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MAPS™ Low Payment Vehicle Financing

The MAPS (Member Auto Payment Saver) vehicle financing plan will put you behind the wheel of that new or used car, van or light truck with a monthly payment you can afford.

Beats Leasing Hands-Down
Like a lease, MAPS offers monthly payments that are considerably lower than conventional financing. But unlike leasing, you own the vehicle with MAPS financing – without all the hassle or hidden costs of leasing!

With MAPS, all current-year and previous model cars, vans and light trucks up to three years old qualify. New current-year vehicles can be financed for up to 72 months. One-year-old vehicles can be financed for up to 60 months; two-year-old vehicles for up to 48 months; and three-year-old vehicles for up to 36 months.

For more information, call or visit Choice One Community CU today, or visit our website at www.choiceone.org. You’ll love your low vehicle loan payment!

MAPS is a registered trademark of Membership Marketing Support Services.

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Make Life More Rewarding!
Earn Bonus Points With Your Choice One VISA^® Check Card!

Here's the latest from our new Bonus One Rewards™ Program: You can earn points every time you use your Choice One VISA^® Check Card! Whether shopping, traveling, or enjoying your favorite restaurant, you'll earn one Bonus Point for every $2 you spend using the card. Don't forget to select "credit" when you make your purchase.

Take advantage of the convenience of your VISA Check Card. Use it worldwide just like a credit card, but without any added interest or finance charges. Your purchases are deducted right from your Checking Account. It's convenience without debt, and without the hassles of check writing!

The Bonus One Rewards Program is one more way we empower our community of members to achieve their dreams and goals. Not only does the Choice One VISA Check Card deliver more purchasing power, but we'll also deliver an extra $10 into your account just for signing up!

Points Mean Big Rewards!

You can redeem Bonus One Rewards Points for excellent perks like:

• Shopping And Dining Gift Certificates
• Valuable Brand-Name Merchandise
• Round-Trip Airline Ticket
• And Much More!

For a complete run-down of rewards, visit www.bonusonerewards.com.

Want Convenience Plus Rewards?
Start Using That Check Card!
The Choice One VISA Check Card lets you enjoy:

• Worldwide Acceptance
• 24/7 Account Access
• Easy Account Management

So start shopping now, and say "Credit!"

Don't have a Choice One VISA Check Card?
Get one! Apply now by calling (570) 823-7676, visit www.choiceone.org, or stop by our offices.

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Job Change?
Don’t Ignore Your Retirement Plan Dollars

A Message from the MEMBERS
Financial Services Program

It is probably one of your biggest assets. Don’t ignore it. People change jobs all the time, but many forget some important details – like their retirement plan money and leave it in their old employer’s sponsored pension or 401(k) plan.

Could this be you? If so, you really owe it to your future to consider where to put the retirement assets you’ve worked so hard to build up. The wrong move could cost you thousands and greatly affect the quality of your retirement years.

One option is to consider moving over any retirement plans from a former employer into an IRA.

Benefits include:

1. Simplicity – Consolidate your retirement assets into one IRA. It will simplify your record keeping and give you a better picture of your overall portfolio.
   
   
2. Eliminate Investment Overlap – Having several accounts can have you holding many of the same type of investments in each account, and cause you to be out of balance for your set of financial circumstances.
   
   
3. Wider Array of Investment Choices – It is very common for employer plans to have only a few investment options. Rolling assets into an IRA will literally give you thousands of investment choices.
   
   
4. Roth Conversions – Once your plan is rolled into a Traditional IRA, you may be able to convert it to a Roth IRA. You can only convert to a Roth IRA if your income does not exceed $100,000 and you file a joint return if married.
   
   
5. Beneficiary Distribution Options – Many employer plans have very limited and rigid beneficiary distribution options, especially for non-spouse beneficiaries. Rolling your assets into an IRA offers many additional flexible distribution pay out options, such as the “Stretch IRA” (paying out the death proceeds over multiple generations of beneficiaries).

Need help deciding what option is best for you? Contact James H. Van Wert Jr., CFP, MEMBERS Financial Services Representative serving the members of your credit union at (570) 208-4520 for a no-cost, no-obligation Retirement Assets Consultation. Today is the best time to get started!

Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (866) 512-6109. Nondeposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financial services program, to make securities available to members.
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Check Out cha-ching!^SM For Teens

It's the sound of the coins clanking together in your son or daughter's bank account - and it’s the moniker of Choice One's cool, newly-updated online resource center for teens. New features of cha-ching! include articles and strategies on hot topics for teenagers, from how to get that first job, to facing college applications, to health issues. It offers fun content like screensavers, wallpaper, games and online polls. Of course, an ongoing objective of the site is to teach young visitors how to start budgeting, saving and spending wisely. Subtle, huh?

Start Them Off Smart
Subtle but necessary! The statistics are a shock. Did you know that teens are now a top target for credit card companies - and the typical teen with a card starts college with more than $1,500 in debt? Knowledge can be your teen's best defense. If he or she learns good money-sense early, it could circumvent the pitfalls that are out there waiting.

Get your teen educated and motivated towards a smart financial future! Cash in on the knowledge of cha-ching! at www.choiceone.org.

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Fetch Some Money Sense
With The Dollar Dog!

Have your kids visited the Dollar Dog Clubhouse at www.choiceone.org yet? It’s a virtual playground full of exciting games, jokes, facts and downloads. And it’s the best way to get your kids under 12 vested in smart savings. They’re never too young to start learning good dollars-and-sense.

Fun Is The Best Teacher
Want your child to learn positive money lessons? Engage them in the entertaining activities we’ve got going on at Choice One Community CU. We devoted a whole week in March to activities especially for your kids. Here is a shot from the terrific event we put together to keep our most youthful members laughing, saving and learning!

Join The Dollar Dog Kids Club^SM!
Here’s your chance to get your kids involved. The sooner they learn about making good financial choices, the more routine it will be in their lives as they grow. And they’ll have a great time along the way!

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Youth Week Recap

Choice One Community CU celebrated Youth Week on April 21-26. As part of the festivities, a different youth mascot visited the credit union each day during the week. We also held a carnival on April 26 with games, pony rides and hot dogs for everyone. The fire department even stopped by with the "smoke house" and taught the kids to call 911 in an emergency.

Check out the pictures, which were taken during our Youth Week celebration! Thanks to all who stopped by and joined in the fun!

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Holiday Closings

The credit union will be closed to observe the following holidays:

Memorial Day – Monday, May 26, 2008

Independence Day – Friday, July 4, 2008

Labor Day – Monday, September 1, 2008

Columbus Day – Monday, October 13, 2008

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Share the Benefits

Bring A New Member!
When the credit union grows, it gets stronger for all of us! We've made it our business to provide you with first class financial services at the most attractive possible rates and terms. Now we're asking you to help us, as well as your friends and relatives in our community. Refer them to take part in the credit union’s convenient, member-focused money management and we all will benefit.

You’ll Both Get $5
If you refer a new member, we’ll give you both $5 when they join! You and your referral will each receive the money as a deposit into your Choice One Community CU Savings Account.

Do The Math, Make $25
If you refer five members, that’s $5 x 5, or $25 in your pocket! Fill out the coupon to get started. Then comes the best part – your friends and relatives will start enjoying all the advantages of membership that you already do. They will thank you – and so will your credit union.

Choice One Community Credit Union serves persons who live, work, worship, or attend school in and businesses and other legal entities located in Luzerne, Lackawanna or Wyoming Counties in Pennsylvania. For complete details of membership eligibility, visit us online or call (570) 823-7676 x258.

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It's Spring Renewal Time

Employers: Update Your Choice Employee Group Contact Info
We need to keep our Choice Employee Group information current in order to serve you better and help our credit union grow.

With that in mind, we’d like you to update your Choice Employee Group contact data on the form and mail to the address below, attention Sue Bat.

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Products underwritten by Nationwide Mutual Insurance Company and Affiliated Companies. Nationwide Insurance Company of America. Home Office: Columbus, OH 43215. Subject to underwriting guidelines, review and approval. Products and discounts not available to all persons in all states. Nationwide, Nationwide is On Your Side, and the Nationwide Framemark are federally registered service marks of Nationwide Mutual Insurance Company. ©2007 Nationwide Mutual Insurance Company. All Rights Reserved.

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Don't Go Dormant!

Member accounts with no activity for six months
will be classified as dormant. Accounts dormant for five years or more must be turned over to the PA Dept. of Revenue. State law requires all financial institutions to report all abandoned and unclaimed property in their possession for five years or more from the date it was first abandoned. Credit union policy allows for a maintenance fee of $2.00 per month to be assessed on dormant accounts with balances of $50.00 or less.

Don’t let this be you. It’s simple enough to keep your account active with transactions, or to reactivate your dormant account by making a deposit or withdrawal. Contact us with any questions at (570) 823-7676.

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Our Mattress Is Safer Than Yours

At Choice One Community CU, your money is safe and secure, even during times of economic uncertainty. As a federally-insured credit union, we take the safety of your funds very seriously.

Choice One is a stable financial institution backed by the National Credit Union Administration (NCUA), an agency of the federal government. This means that all of your deposits are always insured up to the maximum amount required by law.

When you invest in any of our savings or investment products at Choice One, you are making a sound financial decision. Your credit union deposits are each insured to at least $100,000 by the NCUA. Retirement accounts are insured separately by the NCUA for up to $250,000.

Remember, not one penny of savings has ever been lost by a member of a federally-insured credit union. Your money is safe and secure at Choice One Community CU.

If you have any questions about our deposit insurance or would like to learn more about saving and investment options at your credit union, please stop by or call (570) 823-7676.

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