MFN

MEMBERS Financial Network is a new, extensive money management site. Members have access to money management tools, financial calculators, insurance and other financial products, and more. It also includes Members Broker Net, a service of CUNA Brokerage Services, Inc., a feature that enables you to set up your own brokerage account so you can trade general securities on-line and obtain real-time quotes. For complete details, visit MFN

Cuna Brokerage Services, Inc. is a member of NASD and SIPC. CUNA Brokerage Services, Inc. is a registered broker/dealer in all fifty states of the United States of America. Representatives are licensed insurance representatives of CUNA Mutual Life Insurance Company The products offered: 1. are not insured by NCUSIF or any agency in your state or the federal government; 2. are not deposits; 3. are not obligations of the credit union; 4. are not guaranteed by the credit union or any affiliated entity; and 5. involve investment risks, including the possible loss of principal.

and

Since January 2002, Altoona Regional Health System Federal Credit Union has offered IRAs to its members. You have many options to choose from:

Traditional

- offers tax-deferred earnings, and the possibility for tax-deductible contributions.

Roth - offers more incentives to boosts your retirement savings, as well as more ways to use your nest egg.

Educational - this IRA's sole purpose it to help you pay for your child's education expenses such as: tuition, fees, books, supplies, equipment, and, in some cases, room and board and computers.

Rollover - this type of IRA can help you conserve your retirement plan savings. When you change jobs or retire, you must decide how to handle the funds in your employer-sponsored retirement plan.

If Mutual Funds are your option, we offer eight funds to invest in. From high quality bonds to small company stock, large company stock to international securities, and more.

Invest

where you

belong

We will be offering two types of IRAs through your Credit Union:

IRA SHARE ACCOUNT

This type of IRA will let you use payroll deduction or over the counter deposits for your contribution up to the maximum amount (which depends on the type you choose) allowed for the Tax Year.

IRA 2 YEAR CERTIFICATE

You start this IRA with an initial deposit of $1,000.00 and make transfers or deposits of $500.00 through the year until you reach maximum amount allowed depending on the type of IRA you choose. With the 2 year IRA, you are guaranteed the rate at time of the initial deposit for 2 years. At the end of the 2 year term your certificate will roll over at the current rate.

Members Mutual Funds offers a deverse array of funds, each with a unique investment strategy, you can build a portfolio that matches your particular needs and investment style. Your financial management professional can help you select the portfolio mix that's right for you, and help you adjust it over the years as your needs change. Just call1-800-503-7788 or visit our web site at www.tahfcu.org. Visit MFN (Members Financial Network) your IRA Service Center.

Stop by and sign up today. Time is money -- your future depends on you!