iii Design Brand Guide - SESLOC Federal Credit Union by ( iii ) DESIGN

Brand Guidelines Manual

B R A N D S TA N DA R D S G U I D E

Brand Guide I N T RO D U C T I O N This Branding Guide is a tool which helps ensure that design quality and standards are maintained. This will strengthen the foundation of the brand by bringing a sense of connection between the business and the various design assets. Upholding these design standards will bring recognizability to your brand. Visibility, legibility and consistency of use are key to the success of the SESLOC identity system.

Table of Contents B R A N D M E S S AG I N G...................... 01-02 IDENTITY

I M AG E S E L E C T I O N Scenery, People & Objects ............37-38

Primary Logo......................................03-04

I M AG E U S AG E

Secondary Logo.................................05-06

Page Layout & Isolated Objects ...............................39-40

Taglines ..............................................07-08

Wealth Management Logo .............09-10

L O G O U S AG E Black & Reverse Versions ...............11-12

Minimum Size.....................................13-14

Clearspace .........................................15-16

Incorrect Uses ...................................17-18

CO L O R

Color Palette......................................19-20

T YPOGR APHY

Typeface for Print & Web................21-22

Type Styles.........................................23-24

Contact Info Footer...........................25-26

Full Contact Info................................27-28

DESIGN ELEMENTS

Diamond Pattern...............................29-30

Diamond Watermark .......................31-32

Ribbon Frame ....................................33-34

Small & Large Corner Tabs..............35-36

ADDITIONAL LOGOS eBranch & Diamond Level Service Training .....................41-42

T H E L A N G UAG E O F S E S L O C About, Abbreviations & Products ............................................... 43

DISCL AIMERS & TRIGGER TERMS APR*, APY*, Deferred Payment, Card Loan, Wealth Management..........44 NCUA & Equal Housing Lender .....45-46

E M A I L S I G N AT U R E .........................47-48 B R A N D S N A P S H O T .........................49-50

Brand Messaging B R A N D M E S S AG I N G These brand messaging statements define who SESLOC is, both internally and externally, and are the creative springboard from which all other company messaging flows.

MISSION

T E A M VA L U E S

To be the financial institution and employer of choice in our community.

Integrity: We act in a manner that is trustworthy; we are good stewards at all times.

TEAM VISION Enriching lives through education and empowerment to achieve lifelong financial well-being.

E M O T I O N A L G OA L S Educate. Empower. Enrich. Make a positive impact each day.

Respect: We show consideration for others; we are courteous and receptive to differing viewpoints; we treat each other with dignity. Compassion: We treat others with empathy and genuine caring; we are sensitive to each otherâ&#x20AC;&#x2122;s needs. Service Excellence: We strive to serve our members and each other with excellence; we deliver quality and cultivate long-lasting relationships. Communication: We share information and hold conversations in an authentic and open manner; we interact in a supportive and positive manner with our words and actions.

S E S LO C B R A N D G U I D E

Identity T H E P R I M A RY L O G O The SESLOC logo is the cornerstone of the brand identity. The â&#x20AC;&#x153;Diamondâ&#x20AC;? mark is representative of the hills and valleys that surround our communities and unify all SESLOC members. The primary logo should be used whenever possible.

Primary 1-color

Primary reverse

S E S LO C B R A N D G U I D E

Identity T H E S E CO N DA RY L O G O The secondary logo is intended to be used when the legibility of â&#x20AC;&#x153;Federal Credit Unionâ&#x20AC;? in the primary logo is impeded due to size. See pg.14 for sizing restrictions.

Secondary 1-color

Secondary reverse

S E S LO C B R A N D G U I D E

Identity TAG L I N E S This dynamic tagline is a unique and fluid approach to branding. It allows the message to be contextual to the content. The “Together with” portion of tagline always remains the same (inferring that SESLOC is “in it together” with their customers and community) while the last word is always a descriptor that defines how SESLOC conducts business. These descriptive words should be inspiring, genuine, authentic and trustworthy in nature, but could also be fun and playful if used in the right context. The appropriate tagline should appear consistently with the primary logo in either of the two lock-ups shown to the right.

Horizontal lock-up

Together with integrity.

Vertical lock-up

Together with integrity.

Together with you.

Together with community.

Together with purpose.

Together with heart.

Together with vision.

Together with ribs.

Together with donuts.

S E S LO C B R A N D G U I D E

Wealth Management L O G O & CO L O R S Wealth Management is a sub-brand that has its own unique logo lock up and color palette that helps it stand apart from the primary SESLOC brand.

Primary logo

Black logo

Primary color

Reverse logo

Secondary color

Pantone 1675 C CMYK: 5-83-100-27 HEX: A9431E

Warm Gray 5C CMYK: 11-13-16-32 HEX: ACA39A

S E S LO C B R A N D G U I D E

Logo Usage B L AC K L O G O When printing in black and white, the Primary logo may be used in 1-color black, ideally on a white or very light background. If the logo must appear on a nonsolid background, the background must not be so busy as to impede on the clarity and legibility of the logo (please use your best judgement).

REVERSE LOGO A white â&#x20AC;&#x153;knock-outâ&#x20AC;? logo is available to use when placed against a dark or busy background.

S E S LO C B R A N D G U I D E

Logo Usage MINIMUM SIZE The logo can be enlarged proportionally to any size. However, for ideal legibility in print and web, the logo should not be scaled below a minimum size. In print, the primary logo should not be used smaller than 1 inch wide and the secondary logo should not be scaled smaller than Â˝ inch. For web, the primary logo should not be used smaller than 140 pixels in width and the secondary logo should not be used smaller than 90 pixels.

Primary logo

Secondary logo

140 px

90 px

Print (300 dpi)

Web (72 ppi)

S E S LO C B R A N D G U I D E

Logo Usage C L E A R S PAC E It is essential to maintain the clear space around the logo in order to maximize clear recognition and visual impact. This area of isolation protects the logo from impeding imagery, graphics and page trim. A clear space of at least two times the height of â&#x20AC;&#x153;Federal Credit Unionâ&#x20AC;? (x) is required at all times.

2X 2X X

2X 2X

S E S LO C B R A N D G U I D E

Logo Usage I N CO R R E C T U S E S 1. Do not alter the intended lock up of the logo. 2. D o not use the logo in any other color outside of the brand color palette. 3. Do not rotate the logo. 4. Do not stretch or condense. 5. Do not alter elements within the logo. 6. D o not replace â&#x20AC;&#x153;Federal Credit Unionâ&#x20AC;? with any other text.

S E S LO C B R A N D G U I D E

Color CO L O R PA L E T T E The SESLOC logo should always appear in the brandâ&#x20AC;&#x2122;s primary blue color. The secondary color palette was selected to be used in conjunction with the primary SESLOC blue as accent colors. Consistent use of the color palette will reinforce the SESLOC brand look. It is important to note that the appropriate color palette should be used whenever possible. When printing, the PMS color version should be used when budget allows for the option to specify Pantone (PMS) ink. Otherwise, the 4-color (CMYK) version should be used. The specified HEX values should be used in web design.

Primary Color

Pantone 3015 C CMYK: 100-35-3-21 HEX: #00629B

Pantone 3015 C 60% Tint

Pantone 3015 C 30% Tint

Secondary Colors

Pantone 261 C CMYK: 62-100-9-44 HEX: #5D285F

Pantone 370 C CMYK: 62-1-100-25 HEX: #658D1B

75% Black CMYK: 0-0-0-75 HEX: #404040

Warm Gray 5C CMYK: 11-13-16-32 HEX: #ACA39A

Pantone 7406 C CMYK: 0-20-100-2 HEX: #F1C400

Pantone 1665 C CMYK: 0-79-100-0 HEX: #DC4405

S E S LO C B R A N D G U I D E

Typography T Y P E FAC E FO R P R I N T & W E B The primary SESLOC font is Aller, a modern yet friendly, humanist sans serif typeface that comes in a variety of weights and styles, including a web version. Aller is the only font that can be used for SESLOC branded visual communications with the exception of headline fonts that may be set in a display font to correspond to a promotional look or theme. The Aller font family is available for free download from fontsquirrel.com/fonts/aller.

ALLER Light

Bold

ABCDEFGHIJKLMNOPQRSTUV WXYZ

ABCDEFGHIJKLMNOPQR STUV WXYZ

abcdefghijklmnopqrstuv w x y z

abcdefghijklmnopqrstuv wxyz

1 2 3 4 5 67 8 9 ! @ # $ % ^& * ( )

1 2 3 4 5 67 8 9 ! @ # $% ^ & * ( )

Light italic

Bold italic

ABCDEFGHIJKLMNOPQRSTUVWX YZ

ABCDEFGHIJKLMNOPQR STUV WX Y Z

abcdefghijklmnopqrstuvwx yz

abcdefghijklmnopqrstuvwxyz

1 2 3 4 5 67 8 9 ! @ # $ % ^ & * ( )

1 2 3 4 5 678 9 ! @ # $ % ^& * ( )

Regular

display

ABCDEFGHIJKLMNOPQRSTUV WXYZ

abcdefghijklmnopqrstuv w x yz

abcdefghijklmnopqrstuvwxyz

1 2 3 4 5 67 8 9 ! @ # $ % ^ & * ( )

1 2 3 4 56789 !@#$%^& *( )

Regular italic ABCDEFGHIJKLMNOPQRSTUVWX YZ abcdefghijklmnopqrstuvwxyz 1 2 3 4 5 678 9 ! @ # $% ^ & * ( )

S E S LO C B R A N D G U I D E

Typography T YPE ST YLES When it comes to typography, hierarchy, consistency and simplicity are paramount. The following type styles should be used for general reference, not as an exhaustive list of all type styles possible. Headlines should be set in Aller Bold, blue (white if on a blue background), about 3x larger than the Body Copy. Section Headers should be set in Aller Bold, blue (white if on blue background), about 1.5x larger than the Body Copy. Subheads should be set in Aller Bold, blue (white if on blue background), the same size as the Body Copy. Body Copy should be set in Aller Regular, 75% black (white if on blue background). Text Call-Outs should be set in Aller Bold Italic, in the same size and color as the Body Copy. 23

Diamonds should be used instead of standard bullet points if/when possible. Footnotes should set in Aller Italic, 75% black (30% blue if on blue background), no smaller than 5.5 pt font size.

Headline

Section Header

Body Copy maximusante se repersp elenece

ratusci untotas perfera tiumqui ipsuntium quia

nobis plicil inciet voloria eosa debis dis autem

laborit, utatur sincium et modis suntius aciis

dolorit, temporum aut text call-out.

Subhead

Body Copy maximusante se repersp elenece

ratusci untotas perfera tiumqui ipsuntium quia

nobis plicil inciet.

Bullet point 1

Bullet point 2

Bullet point 3

*Footnotes and disclaimers Perum fugiature, sa plitia dolorenime eaquae que peria cullitatet vent et doloreseque nem exceper umquide lendis sum epelique.

S E S LO C B R A N D G U I D E

Typography CO N TAC T I N FO FO O T E R The SESLOC contact information should always appear on all marketing and advertising materials, in either of the two lock ups to the right. This footer should appear centered at the bottom of the page layout on a blue background. The text is set in tracked out Aller Display CAPS. Branch Names should be about 60% of the size of the website and phone number. In the Horizontal lock-up, “Explore” and “Call” should be ½ the size of the website and phone number, 30% blue, with a raised baseline to appear centered vertically with the larger text. In the vertical lock-up, the contact info should be visually centered around the bullet points that separate the text.

Horizontal lock-up

EXP LORE

SESLOC . ORG

SAN LUIS OBISPO

A R R O YO G R A N D E

C A LL

8 05·543·1816

ATA S C A D E R O

PA S O R O B L E S

Vertical lock-up

805·543·1816 SAN LUIS OBISPO ATA S C A D E R O

S E SLO C. O RG A R R O YO G R A N D E PA S O R O B L E S

S E S LO C B R A N D G U I D E

Typography F U L L CO N TAC T I N FO Many SESLOC materials will require the full list of branch locations and hours. Whenever possible, this information should appear as it does to the right. Branch locations should be set in Aller Display CAPS, with between 50% and 150% tracking applied. Note: Aller Display is a Small Caps font, but should always be used in ALL CAPS as the small characters have a number of undesirable characteristics. The branch address should be set in Aller Bold. The hours and/or phone number should be set in Aller Regular.

B R A N C H LO C AT I O N S

Arroyo Grande 1399 East Grand Avenue Monday – Thursday: 9am – 5pm Friday: 9am – 6pm

Atascadero 8380 El Camino Real Monday – Thursday: 9 am – 5pm Friday: 9 am – 6pm

Paso Robles 1245 Spring Street Monday – Thursday: 9 am – 5pm Friday: 9 am – 6pm

San Luis Obispo 3807 Broad Street Monday – Friday: 9 am – 6pm Saturday: 9 am – 1pm

H E A D Q UA RT E R S

3855 Broad Street San Luis Obispo

M A I L I N G A D D R E SS

P.O. Box 5360 San Luis Obispo, CA 93403-5360

PHONE NUMBERS

Phone Center (805) 543-1816 Monday – Friday: 8 am – 6 pm

Phone Teller

24-hour account transactions

(805) 543-5624

(888) 4-SESLOC

Phone Teller

24-hour account transactions

(805) 543-5624

(888) 4-SESLOC

Lost or Stolen Cards - Credit / Debit / ATM

For calls after business hours

Lost or Stolen Cards - Credit / Debit / ATM

For calls after business hours

(888) 241-2510 (909) 941-1398 *

*Use if calling from outside the United States. This number also accepts collect calls.

S E S LO C B R A N D G U I D E

Design Elements D I A M O N D PAT T E R N The Diamond Pattern is derived from the logo mark and can be used to as a subtle watermark to add texture to blocks of the primary brand colors (SESLOC blue and Wealth Management red) only. The pattern should be created in the same color as the block into which it is placed and set in the values specified to the right for print and web. The scale of the pattern will vary depending on the the scale and proportions of how it is being used, but should not be scaled either too small nor too large. Do not crop the pattern in a way that creates awkward negative space.

Sample Text

For print (4-color process): pattern set to multiply at 40% opacity

Sample Text

For print (spot-color): pattern set to normal at 100% opacity, background set to 85% tint

Sample Text

For web: pattern set to multiply at 20% opacity

S E S LO C B R A N D G U I D E

Design Elements D I A M O N D WAT E R M A R K The Diamond Watermark can be used as the entire background of a layout, or to add a graphical touch to a callout box or page background, in either of the primary brand colors (SESLOC blue or Wealth Management red), and in a 20% tint of Warm Gray 5. Like the Repeat Pattern, the watermark should be created in the same color as the block into which it is placed and set in the values specified to the right for print and web. The watermark can fill the entire background or be cropped depending on the size and proportions of itâ&#x20AC;&#x2122;s background and/or the text content placed above it.

Sample Text

Set to multiply at 30% opacity for print, 20% opacity for web

Sample Text

Set to multiply at 30% opacity for print, 20% opacity for web

Set to screen at 45% opactity

S E S LO C B R A N D G U I D E

Design Elements RIBBON FRAME This unique design element is used to frame imagery and as a background for content. It symbolizes: 1) the layers of service SESLOC offers its members, and 2) its members being enveloped and cared for by SESLOC. The Ribbon Frame consists of a large, angled block of the Diamond Pattern, typically placed in the footer, paired with a smaller triangle â&#x20AC;&#x153;wedgeâ&#x20AC;? of either 60% blue (for SESLOC branded pieces or Warm Gray 5 for Wealth Management branded pieces, and optional corner tab. If there is not enough contrast between the wedge and its background, a 30% tint of blue can be used.

SESLOC brand colors with primary color corner tab

Wealth Management brand colors, no corner tab

SESLOC brand colors with secondary color corner tab

SESLOC brand colors with logo/ header block S E S LO C B R A N D G U I D E

Design Elements S M A L L CO R N E R TA B The Small Corner Tab should be used for the primary call to action. It can appear in any color in the SESLOC color palette. There should only be one Small Corner Tab per panel / page of content.

L A RG E CO R N E R TA B The Large Corner Tab can also be used as a design element in the top corner of a panel / page to mimic the turning of the page. This should only be executed in one of the primary brand colors (SESLOC blue or Wealth Management red).

CALL TO ACTION OR CALL-OUT

S E S LO C B R A N D G U I D E

Image Selection S C E N E RY Images of local scenery from throughout SLO County should be used when promoting SESLOC on a corporate level. PEOPLE Images of people should be used when promoting member information and services. The subjects should be friendly and racially ambiguous to best represent all members. OBJECTS Images of objects should be used when promoting products. Objects should be isolated on a white background and, if the layout permits, include a human hand. They should also be colorized with the SESLOC brand color palette whenever possible.

Scenery

People

Objects

S E S LO C B R A N D G U I D E

Image Usage PAG E L AYO U T Single page/panel layouts (print ads, brochure covers, postcards, posters, etc.) should feature one primary image wrapped with the Ribbon Frame. If the image can fade to white, the logo and/or headline may be placed in the white space. If not, they should be placed in either a header block of one of the primary brand colors or in the Diamond Pattern footer. I S O L AT E D O B J E C T S When an isolated object is placed alongside text (in a newsletter or brochure, for example), the text should be set to wrap around the contours of the image.

Logo Headline

Logo / Headline

Logo / Headline Content, at ommolo vellabo resequam fugiatius, eations equasimet.ditaquos qui dolorio

Content, at ommolo vellabo reseq fugiatius, eations equasimet.

Content, at ommolo vellabo reseq fugiatius, eations equasimet. ditaquos qui dolorio to magnihit, ipsaped quias doluptatius modi. nulla que porro Abo.

Abo. At ommolo vellabo resequam fugiatius, eations equasimet oditaquos qui dolorio to magnihit, ipsaped quias doluptatius modi nulla que porro Abo. At ommolo vellabo resequam fugiatius, eations equasimet oditaquos qui dolorio to magnihit, ipsaped quias doluptatius modi nulla que porro Abo. At ommolo vellabo resequam fugiatius,

S E S LO C B R A N D G U I D E

Additional Logos eBR ANCH This is the logo that represents SESLOC membersâ&#x20AC;&#x2122; online account access and should be used any time a graphic is needed to represent or promote this service. D I A M O N D L E V E L S E RV I C E T R A I N I N G This logo was developed for SESLOCâ&#x20AC;&#x2122;s internal employee training program and should only be used on internal training documentation and materials.

SESLOC ACCOUNT ACCESS

Primary version

SESLOC ACCOUNT ACCESS

Reverse version

DIAMOND LEVEL S E R V I C E

Primary/vertical version

T R A I N I N G

Secondary/horizontal version

S E S LO C B R A N D G U I D E

The Language of SESLOC OUR CREDIT UNION Since it is an acronym, “SESLOC” should be capitalized at all times. Credit Union is capitalized when it refers to SESLOC. “Visit the Credit Union anytime.” It is not capitalized when referring to credit unions in general: “There is a difference between banks and credit unions.” Always use “members,” NOT “customers” to describe those who utilize our products and services. A B B R E V I AT I O N S Abbreviations such as ATM or IRA are made plural by adding a lower case “s”: ATMs, IRAs. Do not use an apostrophe unless it’s used in a possessive sense: “The ATM’s screen is bright.”

P RO D U C T S SESLOC products should be set in Title Case and italicized: eBranch, Courtesy Pay, Bill Pay. When used in a sentence, generic products should not be capitalized: “We offer home equity loans and vehicle loans.” But, when used in a bulleted list, use Title Case: Home Equity Loans Vehicle Loans

Capitalize and include the registration mark the first time Visa® is mentioned. Thereafter the registration mark can be omitted, but Visa should still remain capitalized.

Disclaimers & Trigger Terms APR*

W E A LT H M A N AG E M E N T

Always requires an asterisk and footnote:

Wealth Management information cannot appear in documents with the NCUA logo. Anything discussing the Wealth Management program always requires the full disclosure:

*APR = Annual Percentage Rate

A PY * Always requires an asterisk and footnote: *APY = Annual Percentage Yield

D E F E R R E D PAY M E N T The footnote must include : “interest accrues from the loan funding date”

Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the Credit Union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. SESLOC has contracted with CFS to make non-deposit investment products and services available to Credit Union members.

C A R L OA N Must list payment per $1,000

S E S LO C B R A N D G U I D E

Disclaimers & Trigger Terms N C UA On all print ads and collateral, the following statement needs to be included: “Federally insured by NCUA, a U.S. Government agency.” This statement is sufficient without also needing to include the NCUA logo. The exception is when the piece is referring to SAVINGS products. Then, if space allows, the full disclosure should be used and the logo should be included in conjunction with this full statement. If the logo is large enough to be legible, the written statement can be omitted. The full statement is: “Savings are federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government. National Credit Union Administration, a U.S. government agency.” 45

FONT SIZE: The official advertising statement must be in a size and print that is clearly legible and may be no smaller than the smallest font size used in other portions of the advertisement intended to convey information to the consumer. DO NOT use the NCUA logo on Wealth Management pieces. E Q UA L H O U S I N G L E N D E R The Equal Housing Lender logo needs to be on all ads that refer to mortgage lending. If it is a general ad, then mortgage lending is implied, so it should appear on those ads as well. If the piece is only referring to auto or savings specifically, then the logo can be omitted.

Federally insured by NCUA, a U.S. Government agency. Savings are federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government. National Credit Union Administration, a U.S. government agency.

S E S LO C B R A N D G U I D E

Email Signature E M A I L S I G N AT U R E SESLOC has adopted a standardized Email Signature approach so that all employee email communications will have the same brand look and feel: The primary SESLOC logo should sized to 140px x 44px. First name, last name and the vertical bar should be set in 9pt Arial Bold, HEX #00629B. Job title and “SESLOC Federal Credit Union” should be set in 8pt Arial Regular, HEX # 33333. All other content should be set in 8pt Arial Regular, HEX #66666. “www.sesloc.org” should be a link to the website.

Corporate Staff

First & Last Name | Job Title, Department SESLOC Federal Credit Union P.O. Box 5360, San Luis Obispo, CA 93403-5360 (p) 805.543.1816 ext. XXX

(f) 805.543.1687

w w w.sesloc.org

Staff

First & Last Name | Job Title SESLOC Federal Credit Union P.O. Box 5360, San Luis Obispo, CA 93403-5360 (p) 805.543.1816 ext. XXX

(f) 805.543.1687

w w w.sesloc.org

Staff outside the main branch

First & Last Name | Job Title, Location SESLOC Federal Credit Union P.O. Box 5360, San Luis Obispo, CA 93403-5360 (p) 805.543.1816 ext. XXX

(f) 805.543.1687

w w w.sesloc.org S E S LO C B R A N D G U I D E

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Congratulations! You are pre-qualified for a SESLOC auto loan up to $30,000 with an APR* as low as 1.99%. CALL, CLICK OR COME IN TODAY.

Together with integrity. 805·543·1816 SAN LUIS OBISPO

You may choose to stop receiving “prescreened” credit offers by calling toll-free 1-888-567-8688. See “Prescreen & Opt-Out Notice” on the other side for more info.

ATA S C A D E R O

SESLOC.ORG

Together with vision.

A R R OYO G R A N D E PA S O RO B L E S

Offer valid through May 31, 2014.

Mortage Payment Coupon Book

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3807 Broad Street Mond , San ay Luis Ob Saturd – Friday : isp 9 a.m ay: 9 . – 6 p.m o a.m. – 1 p.m . .

“SESLO C’s Su mmer Savin gs Pro to gra helpe guide d me your m has plan, N C E MAIN BRANCH b an spObispo A L Audge cial 3807 Broad Street, SandLuis t an B e Fin n Monday – Friday: 9 a.m. – 6 p.m. d wis dential du1 p.m. lyd Education Saturday: 9 a.m. – ri ng thFree and hiCongnfiean e Co suacmm bre e P H O N E C E N T E R ak. r It has (805) 543-1816 advan8 a.m. – 6 p.m. a toth Monday – Friday: e tageur guide ll w N ThY oB R A NyC HoE S s of savin N O RT H CO Uit gs ut the 1245d Spring Street, Paso Robles st e Thursday: ding9 a.m. – 5 p.m.ress of E S S Monday –ci CC Friday: 9 a.m. – 6 p.m. how muO ch withh T A UN to oReal, 8380 El Camino ldAtascadero ACC eeOatCoch Monday – 5 p.m. Plus,– Thursday: S9La.m. uid mIoTnth E thr Sgd Friday: 9 a.m. D . you–e6 p.m. E ivid Rend ra are U NeT Y B R AC S O U T H COv H tes D aN CArroyo Ory racGrande 1399 E.O Avenue,tt ti G Grand Monday – Thursday: 9 a.m. – 5 p.m.ve.” MEM

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*In the New Times’ Annual “Best of SLO” Reader’s Poll **You can become a member if you live, work or attend school in San Luis Obispo County.

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ADD P.O. Bo R E SS x San Lui 5360 s Obisp o, CA 9340 3 NE T ELLE (805) R 543-5 624 • (888) 4-SESL PHO

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1245 BRAN Spring CHES Street Mond ay , Paso Roble Friday – Thursday: s : 9 a.m 9 . – 6 p.m a.m. – 5 p.m 8380 . . El Cam ino Rea Mond ay l, Friday – Thursday: Atascader o : 9 a.m 9 a.m . – 6 p.m . – 5 p.m . .

P.O. Box 5360 San Luis Obispo, CA 93403

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Until now, your overd raft protection cover only your paper ed checks. As a result , you TIon may 0have E d I ience d a rejected retail l 2 1 3 exper F A l restau or rant debit card transa ction when your checking account was a few dollar s short. We have good news for you.

es It Easy eBranch Mak matic Transfers

NCHES UNTY BRA N O RT H CO

streets, 13th and spring Paso robles pm sday: 9am–5 Monday–Thur 6pm Friday: 10am– dero o real, Atasca 8380 El Camin pm sday: 9am–5 Monday–Thur 6pm Friday: 10am–

Avenue, 1399 E Grand Arroyo Grande pm sday: 9am–5 Monday–Thur Friday: 10am–

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D D R E SS MAILING A

P.O. Box 5360 , CA 93403-5360 San Luis Obispo

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enclosed insert Please see the ms for you overdraft progra on expanded ing Account. SESLOC Check ber 8. ts effective Novem Enhancemen

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e legal, on does not constitut This publicati nal advice. other professio accounting or accurate, neither intended to be liability Although it is party assumes nor any other . the publisher on this material due to reliance for loss or damage Union. Federal Credit ©2013 SESLOC

DIRECT ORS BOARD Of

SUPER vISORY

805 ·543 ·181

COMMI TTEE

Chair Gordon Mullin, Willard Loper z Sue M. Benite I. rudyard Stone Gary hoskins

Chair Vic Buccola, osi, Vice Chair Anthony Cangel , Secretary Pauline Shaffer Treasurer Alden Shiers, , director Barbara Melvin r James Park, directo n, director Jacquie Paulse

CALL

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in the “transbe available d *Funds must on the schedule transfer from” account notified of failed . date. You are an eBranch message fers through

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75 (800) 682-60 82* (206) 352-34 10 (888) 241-25 98* (909) 941-13 241-2510 ATM Card: (888) 98* (909) 941-13

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Beginning Novem ber 8, your current overdraft options and/or line of credit) (savings will cover more than paper checks! overdraft plans will Your step in to cover Point of Sale and electronic transac other tions if your checkin g account needs You’ll have peace a little boost. of mind knowing your transaction is covered.

It’s easy fer” screen, From the “Trans to enter click “Recurring” information, the transfer start and including the the transfer and end dates For assistance, frequency. C by any SESLO call or stop

LINE AND RATE PHONE TELLER 4-SESLOC

L O S T/S T O L

transfers, own automatic of Your Auto can set up your you can g system, you It’s convenient: home bankin The benefits? g a branch. h the eBranch your savings. without visitin Now, throug C loan or build you choose, helps to pay a SESLO time*, which ers whenever making it easy are always on automatic transf change your your payments or ensure stop start, ers help automatic transf It’s beneficial: ing. score sparkl keep your credit

Take Control

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Valley road, 11491 los osos san luis obispo ay: 9am–6pm Monday–Frid 7:30am –6pm Walk-Up Teller: 8am–6pm Call Center : 543-1816 (805) : Phone

for your Iche L g acc A ckin ount FINANC

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ExPLO RE

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Geri LaChan

PRESID ENTS SENIOR vICE

John Baas, CFO Ken Long, CIO COO david Wood, , hrd Nancy Arnold

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to will donate $10 11/30/13 SESLOC 9/21/13 and model financed between . 2007 or newer *For each vehicle ss; Food Bank Coalition to eligible new and used credit worthine the SLO County Applies to applicant’s on your Percentage Rate. † APR is based APR=Annual APR and is subject this APR. Your in monthly This is the lowest or qualify for year vehicles. This APR results month ts may be approved vehicle qualifications. 60 a applican with all loan not score and specific on a $20,000 of MSRP for new earned rate lending per $1,000 borrowed, based financing is 100% and license. $17.48 available. Maximumfor used vehicles, plus tax payments of and terms are value apply. term. Other rates of Retail Kelley Blue Book restrictions may 100% notice. Other vehicles and to change without funding date. Rates are subject from the loan ‡ Interest accrues

OBISPO SAN LUIS

Courtesy Pay1 Over

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When your savings and optional Overdraf Line of Credit are not sufficient, SESLOC t may cover overdraf ts up to $5003 including Courtesy Pay fees, for This applies to paper qualified members. checks, items cleared through the automate and recurring debit d clearing house (ACh) card transactions for payment of a bill that you have previous the authorized. ly 2

Your account is automati cally enrolled in Courtesy

Pay if you are age rate staff 18 or older, your account has Lock in your and our loan been open 90 days Optio ine which loan before you nalshop, and is in good standing4 Prote 3 ation you determ applic helpction . for Your ATM and Debit ying advice and t. Card You are charged Trans sound car-bu your actio a $25 fee5 each nsbudge rtably within (YOUR ACTIO time sEsLOC pays an no-haggle N REQUI RED) amount fits comfo overdraft or a $5 If you prefer fee for Courtesy Paynd items less than $25 is Consultant: le the car of your up to a $100 daily to our Autola also availab for everyday ATM maximum in fees. Talk transac no search for tion and Debit Card tions. Giorda obliga You dean no must s let Opt-In There’ ing, shopp You must opt-in t this .service account through the best price.to requesmoney Call separately to request . Log in to your and s and negotiateeBranchtime, protection for ATM6 dream Require , you (PINhassle d) to Opt-In, Form (enclos and everyday Debit nd.comor e can save return sign our Opt-In Card transactions. ano@autola dgiord and this servic ed) and at it to your local branch. 74-0600, email dean at 805-4 e Branch. our Arroyo Grand or visit him in ctive car-buying Coach: This intera 1. Payment of an inadverten CartBuying yer and overdraft is not guaranteed Online car-bu l (negative Try ourbalance) skillfu a and is paid at the es are duelearn tobeberepaid and must 2. Federal Regulation coachCredit Union's sole discretion. us within l helpsD you financ 16ial limits the number days to avoid an Courtesy Pay is not tutoria oftoour 3. Lower any of transfers overdrawn balance to a limits may be granted loan; link all from fees savings accounts and the overdraft fee. (you canat the discretion of the to 6 per month. The 4. Good amount iator standing negot credit union. means that you and standard $3 per transfer fee applies. any of your joint make your loan home owners maintain our paymentspage). on time and have a $50 minimum 5. Thefrom fee will never not caused Share Savings

a loss to the Credit exceed the amount balance, pay your Union. 6. ATMs cannot notify of the negative balances you if your withdrawal paid item. There is a $100 per day timely (within 16 days), limit on Courtesy notify you of low exceeds your available balances. Pay fees. balance. To avoid unexpected overdraft fees, it is important to be aware of your balance. eBranch balance

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alerts can

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S E S LO C B R A N D G U I D E

805路543路1816 SAN LUIS OBISPO ATA S C A D E R O 51

SESLOC .ORG A R R OYO G R A N D E PA S O RO B L E S R9.14