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		<td style="height:223px;padding:0;line-height:2px;"><a href="http://www.firecreditunion.ca/" style="display:block;height:226px;"><img src="images/1.gif" width="600" height="210" alt="Coach - A financial bulletin for Fire Services employees and families. Fall 2012."/></a></td>
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						<a href="http://firecreditunion.ca/personal-banking#lines-of-credit"><img src="images/2-kitchen.gif" width="321" height="89" alt="The New-Granite-Top-Kitchen-Counter Line of Credit"></a>
						<p class="firstPar" style="margin-bottom:0px;line-height:18px;padding-right:10px;">With our lowest interest rates ever, a Line of Credit with FSCU means you can not only borrow for all the things you NEED to do, but also for all of the things you WANT to do; home renovations, car repairs or a much-needed vacation. <a href="http://firecreditunion.ca/personal-banking#lines-of-credit">Take advantage of immediate access</a> to a loan with reduced interest costs and more flexibility. Borrow only what you need exactly when you need it (while only paying interest on the outstanding amount as you pay it back.)*</p>
						<p class="legal" style="padding-bottom:5px;"><i>*some restrictions apply</i></p>
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											<td><a href="http://firecreditunion.ca/community-news#offers-ideas"><img src="images/2-2-2.gif" width="271" height="75" alt="Protecting your money with chip cards"></a>
											<p class="firstPar" style="line-height:17px;">Although debit card fraud is rare (occurring in less than one percent of transactions), it is still a reality that you need to be protected against. Among the most secure forms of electronic payments, debit cards are being made even safer with the introduction of chip technology. The chip works like a computer on your card increasing your protection against fraud. In an effort to ensure maximum protection for our members, Fire Services Credit Union has begun issuing chip cards to all members, as all magnetic strip cards will expire on December 31, 2012. Visit your FSCU branch, email us at <a href="mailto:memberservices@firecreditunion.ca">memberservices@firecreditunion.ca</a> or call 416.440.1294 to get more information and begin using your new chip card today.</p>
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					<td class="tzCol5" style="background-color:#c1e0f6;"><a href="http://firecreditunion.ca/personal-banking/#online-banking-"><img src="images/2-mobility.gif" width="168" height="224" alt="The Convenience of Mobility"></a><p class="firstPar">We know having your finances in order is a priority. Making time for banking on your busy schedule can make that difficult. That&rsquo;s why we&rsquo;ve made banking on the go more convenient. In July we introduced <a href="http://firecreditunion.ca/personal-banking/#online-banking-">Mobile Banking</a>, giving you access to your account from any smartphone. <a href="http://firecreditunion.ca/personal-banking/#online-banking-">Email and Mobile Alerts</a> mean staying on top of your account activity no matter where you are. <a href="http://firecreditunion.ca/personal-banking/#online-banking-">E-transfers</a> allow you to get your money where it needs to be quickly and securely. <a href="http://firecreditunion.ca/personal-banking/#online-banking-">E-statements</a> ensure that you get your account information on time without relying on the post office. We know you have a lot to do, and that&rsquo;s why we&rsquo;re making banking a whole lot simpler.</p></td>
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					<td class="tzCol2"><p class="firstPar">Companies that promise loans to those with bad credit or no credit can seem very attractive, but beware. The RCMP is warning Canadians about advance fee fraud. This is when a company guarantees you a loan regardless of your credit history, but requires you to pay an up-front fee. Every year criminals generate millions of dollars by collecting these fees and then disappearing, leaving their victims without a loan and without their advance fee, which is often hundreds of dollars.</p>
		<p>Classified ads and appealing offers do not confirm the legitimacy of a company. Before giving a company your personal information or any up-front payment you should contact the <a href="http://www.bbb.org">Better Business Bureau</a> for more information.
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									<a href="http://www.firecreditunion.ca/personal-banking#mortgages"><img src="images/6-weve.gif" width="281" height="58" alt="We've reached a new low (and we're talking interest rates)" style=""></a>
									<p class="firstPar">Securing your mortgage at our now even lower low interest rates, <a href="http://www.firecreditunion.ca/personal-banking#mortgages">as low as 2.99%</a>**, means less interest paid, and more money saved (or spent on the things you really love). Whether it&rsquo;s a new mortgage, or time to renew, Fire Services Credit Union can offer you competitive rates without all the hidden fees.
<p class="legal"><i>**restrictions apply and rates subject to change</i></p>
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								<td><a href="http://firecreditunion.ca/personal-banking#banking-to-go"><img src="images/6-skype.gif" width="96" height="148" alt="Skype Icon"></a></td>
								<td style="width:223px;"><a href="http://firecreditunion.ca/personal-banking#banking-to-go"><img src="images/6-banking.gif" width="210" height="49" alt="Banking to go." style=""></a>
									<p class="firstPar">Download Skype and connect with a Fire Services Credit Union Coach that can help you with bills, investments, budgets, ATMs and much more. Check out our <a href="http://firecreditunion.ca/personal-banking#banking-to-go">Banking To Go Pilot</a>.</p>
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						<a href="http://firecreditunion.ca/community-news#membership-perks"><img src="images/6-earn.gif" width="163" height="139" alt="Earn up to $50 for every referral." style=""></a>
						<p class="firstPar">Many of you already refer friends, colleagues and family members to Fire Services Credit Union. <a href="http://firecreditunion.ca/community-news#membership-perks">Now you can get rewarded</a> for doing so: Up to $50 for everyone you refer who becomes a member. It's easy, there are very few rules that you can read online, and it's simply our way to say thanks for being members and friends too.</p>
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		<td style="height:56px;line-height:2px;"><a href="http://firecreditunion.ca/coaching/#the-bucket-coach-outline"><img src="images/7.gif" width="600" height="56" alt="The Bucket Coach"/></a></td>
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						<p class="firstPar" style="line-height:15px;margin-bottom:0px;padding-bottom:0px;font-size:12px;">Everything you need to know about getting your household finances in shape is in The Bucket Coach, a book of financial advice created specifically for Fire Fighters and their families. If you don't have your <a href="http://firecreditunion.ca/coaching/#the-bucket-coach-outline">FREE copy of The Bucket Coach</a>, contact your branch today and we'll get it to you.</p>
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					<td class="tzCol8" style="background-color:#c8e4f8;line-height:2px;"><a href="http://firecreditunion.ca/coaching/#the-bucket-coach-outline"><img src="images/8-4.gif" width="152" height="86" alt="The Bucket Coach"></a></td>
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		<td style="height:236px;padding:0;line-height:2px;"><a href="http://www.firecreditunion.ca/" style="display:block;height:236px;"><img src="images/9.gif" width="600" height="236" alt="Contact us today - and we'll start working on your financial well-being together. Call 416-440-1294 or 1-866-833-3285."/></a></td>
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<p style="margin-top:2px;font-size:11px;">Fire Services Credit Union | 1997 Avenue Road | Toronto, Ontario M5M 4A3, Canada</p>
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