Energy Services Federal Credit Union

<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0 height="100%"><tr> <td valign="top" width=170 BGCOLOR="#000099" TEXT="#F7F7FF" background="047aac00erkqpg.gif"> <bR> <bR> <div> <B>"Credit Unions are about People!"</B></div> <bR> <div> <B>3515 3rd St. N.Box 808</B></div> <div> <B>St.Cloud, MN 56302</B></div> <div> <B>Ph: 320 255 8687</B></div> <div> <B>Fax: 320 255 8699</B></div> <div> <B>HOURS</B></div> <div> <B>ST CLOUD</B></div> <div> <B>8AM-3PM    M-F</B></div> <div> <B>SHERCO</B></div> <div> <B>8A-12P      T & TH </B></div> <div> <B>MNP  - EVERY OTHER WEDNESDAY</B><B> 11A-1:30P</B></div> <bR> </td> <td valign="top" BGCOLOR="#FFFFFF" TEXT="#080000"> <div> <B>E</B><FONT SIZE="7" COLOR="#6600CC" FACE="Times New Roman" ><B>NERGY </B></FONT><B>S</B><FONT SIZE="7" COLOR="#6600CC" FACE="Times New Roman" ><B>ERVICES</B></FONT></div> <div> <B>                                                </B><FONT SIZE="2" COLOR="#000000" FACE="Times New Roman" ><B>FEDERAL CREDIT UNION</B></FONT><B>     </B><FONT SIZE="2" COLOR="#000000" FACE="Times New Roman" >St. Cloud Minnesota</FONT></div> <div> <FONT SIZE="2" COLOR="#FF0033" FACE="Arial" ><B> </B></FONT><FONT SIZE="4" COLOR="#6600CC" FACE="Arial" ><B>Variable rate</B></FONT><B> </B><FONT SIZE="3" COLOR="#6600CC" FACE="Arial" ><B>on your</B></FONT><FONT SIZE="4" COLOR="#6600CC" FACE="Arial" ><B> </B></FONT><B>Home Equity </B><FONT SIZE="3" COLOR="#6600CC" FACE="Arial" ><B>Loan</B></FONT><B> Going </B><FONT SIZE="5" COLOR="#6600CC" FACE="Arial" ><B>Up</B></FONT><B>?</B></div> <div> <B>                          </B><FONT SIZE="3" COLOR="#6600CC" FACE="Arial" ><B>Check out our</B></FONT><B> </B><B>fixed rates</B><B>! </B><FONT SIZE="4" COLOR="#660099" FACE="Arial" ><B>   </B></FONT></div> <div> <B>                               </B><FONT SIZE="4" COLOR="#000000" FACE="Arial" ><B> Loan Sale!!!</B></FONT><B> </B></div> <div> <FONT SIZE="3" COLOR="#000000" FACE="Arial" >Do you</FONT> <FONT SIZE="4" COLOR="#0000FF" FACE="Arial" >WANT</FONT> <FONT SIZE="3" COLOR="#000000" FACE="Arial" >to make a purchase, but</FONT> <FONT SIZE="4" COLOR="#FF0000" FACE="Arial" >NOT</FONT> <FONT SIZE="3" COLOR="#000000" FACE="Arial" >deplete your </FONT><FONT SIZE="4" COLOR="#336600" FACE="Arial" >SAVINGS</FONT>?</div> <div>              <FONT SIZE="3" COLOR="#000000" FACE="Arial" >Just </FONT>PLEDGE <FONT SIZE="3" COLOR="#000000" FACE="Arial" >your </FONT>SHARES <FONT SIZE="3" COLOR="#000000" FACE="Arial" >as collateral and we will give you</FONT></div> <div>                             <B>  </B><FONT SIZE="5" COLOR="#FF00FF" FACE="Arial" ><B>1%</B></FONT> <FONT SIZE="3" COLOR="#000000" FACE="Arial" >off our lowest current rates!</FONT></div> <div>                 <FONT SIZE="2" COLOR="#000000" FACE="Arial" ><B>Example:  Our 5.75% for 3 years would be 4.75% for 3 years</B></FONT></div> <bR> <div> <B> </B><FONT SIZE="5" COLOR="#6600FF" FACE="Arial" ><B>New CD rate!</B></FONT><FONT SIZE="4" COLOR="#6600FF" FACE="Arial" ><B> </B></FONT></div> <div> <FONT SIZE="4" COLOR="#6600FF" FACE="Arial" ><B>      5.13%</B></FONT><B> </B><FONT SIZE="2" COLOR="#6600FF" FACE="Arial" ><B>apy    </B></FONT><FONT SIZE="4" COLOR="#6600FF" FACE="Arial" ><B>18</B></FONT><B> </B><FONT SIZE="2" COLOR="#6600FF" FACE="Arial" ><B>months</B></FONT><B> </B><FONT SIZE="2" COLOR="#6600FF" FACE="Arial" ><B>75,000</B></FONT><B> </B><FONT SIZE="2" COLOR="#6600FF" FACE="Arial" ><B>minimum</B><B> </B></FONT><FONT SIZE="1" COLOR="#000000" FACE="Arial" ><B>6 mo interest penalty for early</B></FONT><FONT SIZE="2" COLOR="#000000" FACE="Arial" ><B> </B></FONT><FONT SIZE="1" COLOR="#000000" FACE="Arial" ><B>withdrawal</B></FONT></div> <bR> <div> <B>  </B><FONT SIZE="2" COLOR="#6600FF" FACE="Arial" ><B>Other valuable links:</B></FONT><FONT SIZE="4" COLOR="#FF0000" FACE="Arial" ><B>   </B></FONT></div> <div> <B>  </B><A HREF="https://members.cunamutual.com/h2/insurance.aspx/02204875" TARGET="_top" TITLE="https://members.cunamutual.com/h2/insura"><U><B>Insurance Products</B></U></A><B>    </B></div> <div> <B>  </B><FONT SIZE="3" COLOR="#3300FF" FACE="Arial" ><B>   </B></FONT><B>      </B><A HREF="http://www.turbotax.intuit.com/welcome/common/landingpage.html?source=northe5" TARGET="_top" TITLE="http://www.turbotax.intuit.com/welcome/c"><U><B><IMG SRC="06950280.gif" border=0 width="80" height="40" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></U></A><B>   </B></div> <div> <B>        </B></div> <div> <B>             </B></div> <div> <FONT SIZE="2" COLOR="#111111" FACE="Arial" ><B>  </B></FONT><A HREF="id17.htm" TARGET="_top" TITLE="About Us"><U><B>About Us</B></U></A><B> |</B><A HREF="id21.htm" TARGET="_top" TITLE="Our Rates, Products, and Services| "><U><B>Our Rates, Products, and Services| </B></U></A><A HREF="id29.htm" TARGET="_top" TITLE="Loans| "><U><B>Loans| </B></U></A><A HREF="id20.htm" TARGET="_top" TITLE="Contact Us |"><U><B>Contact Us |</B></U></A><A HREF="id18.htm" TARGET="_top" TITLE="News and Events"><U><B>News and Events</B></U></A><B> </B><A HREF="id27.htm" TARGET="_top" TITLE="TURBOTAX"><U><B>|</B></U></A><A HREF="id27.htm" TARGET="_top" TITLE="TURBOTAX"><U><B>Turbotax</B></U></A><A HREF="id27.htm" TARGET="_top" TITLE="TURBOTAX"><U><B>|</B></U></A><A HREF="id27.htm" TARGET="_top" TITLE="TURBOTAX"><U><B> </B></U></A><B> </B><B> </B><A HREF="id28.htm" TARGET="_top" TITLE="Privacy Policy"><U><B>Privacy Policy</B></U></A><B> </B></div> <bR> <div> <B><U>CERTIFICATES OF DEPOSIT RATES</U></B><B>    </B></div> <div> <B>   6</B><FONT SIZE="2" COLOR="#FF0033" FACE="Arial" ><B> </B></FONT><FONT SIZE="2" COLOR="#111111" FACE="Arial" ><B>MONTH</B></FONT><FONT SIZE="2" COLOR="#FF0033" FACE="Arial" ><B>    </B></FONT><B> 3.87</B><FONT SIZE="2" COLOR="#3300FF" FACE="Arial" ><B>% APY * </B></FONT><FONT SIZE="3" COLOR="#3300FF" FACE="Arial" ><B> </B></FONT><FONT SIZE="4" COLOR="#3300FF" FACE="Arial" ><B>  </B></FONT><FONT SIZE="3" COLOR="#FF0033" FACE="Arial" ><B>12</B></FONT><B> </B><FONT SIZE="2" COLOR="#111111" FACE="Arial" ><B>MONTH </B></FONT><FONT SIZE="2" COLOR="#6600FF" FACE="Arial" ><B>  </B></FONT><FONT SIZE="3" COLOR="#6600FF" FACE="Arial" ><B> </B></FONT><FONT SIZE="4" COLOR="#FF0066" FACE="Arial" ><B>4.45</B></FONT><FONT SIZE="3" COLOR="#FF0066" FACE="Arial" ><B>%</B></FONT><FONT SIZE="2" COLOR="#660099" FACE="Arial" ><B> </B></FONT><FONT SIZE="2" COLOR="#330099" FACE="Arial" ><B>APY*</B></FONT><FONT SIZE="2" COLOR="#660099" FACE="Arial" ><B> </B></FONT><FONT SIZE="2" COLOR="#3333CC" FACE="Arial" ><B>  </B></FONT><FONT SIZE="3" COLOR="#3333CC" FACE="Arial" ><B> </B></FONT><FONT SIZE="3" COLOR="#CC3333" FACE="Arial" ><B>24</B></FONT><FONT SIZE="3" COLOR="#CC0000" FACE="Arial" ><B> </B></FONT><FONT SIZE="3" COLOR="#111111" FACE="Arial" ><B>MONTH   </B></FONT><FONT SIZE="3" COLOR="#FF0066" FACE="Arial" ><B> 4.66</B></FONT><FONT SIZE="3" COLOR="#0000CC" FACE="Arial" ><B>% APY</B></FONT><FONT SIZE="3" COLOR="#3333CC" FACE="Arial" ><B> *</B></FONT><FONT SIZE="4" COLOR="#3333CC" FACE="Arial" ><B> </B></FONT></div> <div> <B>  </B><FONT SIZE="1" COLOR="#111111" FACE="Arial" ><B>  *APY = annual percentage yield</B></FONT><B>  </B></div> <div> <B><IMG SRC="06696380.gif" border=0 width="150" height="56" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B><B>                                    </B><FONT SIZE="3" COLOR="#000000" FACE="Arial" ><IMG SRC="0676d6e0.gif" border=0 width="109" height="110" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></FONT></div> <DIV ALIGN="LEFT"></DIV> <div> <B> </B><FONT SIZE="1" COLOR="#000000" FACE="Arial" ><B>"</B></FONT><FONT SIZE="1" COLOR="#000000" FACE="Arial" ><B>We Do Business in Accordance With the</B></FONT></div> <div> <B> Federal Fair Housing Law and the</B><B> Equal Credit Opportunity Act."</B><FONT SIZE="4" COLOR="#000000" FACE="Arial" ><B>  </B></FONT></div> <div> <B>          </B></div> <div> <B> </B><FONT SIZE="4" COLOR="#000000" FACE="Arial" ><B>                                                   </B></FONT></div> <bR> <div> <B> </B><FONT SIZE="2" COLOR="#000000" FACE="Arial" ><B>**** we are not liable for content or availability of linked sites             </B></FONT></div> <bR> <DIV ALIGN="LEFT"></DIV> <div>    <SCRIPT>  </SCRIPT>  <form method="POST" action="http://mindit.netmind.com/mindit.shtml" target="_top"> <input type="hidden" name="SOURCE" value="511"> <input type="hidden" name="URL" value="http://www.energyservicesfcu.com/httpdocs/TlxTransfer.txt"> <input type="hidden" name="DOC_TITLE" value="energyservicesfcu.com"> <input type="hidden" name="REDIRECT" value="http://www.energyservicesfcu.com/httpdocs/"> <table border="0" cellpadding="5" cellspacing="0"><tr><td align="center"> <font face="arial,helvetica" size="-1"><b>Click to receive email <br>when this web site is updated</b></font></td> </tr><tr><td align="center"> <input type="image" src="http://mindit.netmind.com/images/mindit511.gif" border="0"></td> </tr><tr><td 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