SPECIALS

<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></div> <div> <B> 8:30AM-11AM</B></div> </td> <td valign="top" BGCOLOR="#FFFFFF" TEXT="#080000"> <div> <FONT SIZE="5" COLOR="#000066" FACE="Arial" ><B>Energy Services Federal Credit Union</B></FONT>     |     <A HREF="index.htm" TARGET="_top" TITLE="Energy Services Federal Credit Union"><U>home</U></A></div> <div> <B>SPECIALS</B><B>   |   </B><A HREF="id17.htm" TARGET="_top" TITLE="About Us"><U>About Us</U></A><B>   |   </B><A HREF="id21.htm" TARGET="_top" TITLE="Our Rates, Products, and Services "><U>Our Rates, Products, and Services </U></A><B>   |   </B><A HREF="id29.htm" TARGET="_top" TITLE="Loans "><U>Loans    </U></A><B>   |   </B><A HREF="id20.htm" TARGET="_top" TITLE="Contact Us"><U>Contact Us</U></A><B>   |   </B><A HREF="id18.htm" TARGET="_top" TITLE="News and Events"><U>News and Events</U></A><B>   |   </B><A HREF="id27.htm" TARGET="_top" TITLE="TURBOTAX "><U>TURBOTAX     </U></A></div> <div> <I>SPECIALS</I></div> <div>          <FONT SIZE="6" COLOR="#FF0000" FACE="Arial" >Santa bills getting you down? </FONT></div> <div> <B>        Try our  </B><FONT SIZE="5" COLOR="#006633" FACE="Arial" ><B> 1 year signature loan for 4.99%</B></FONT></div> <div>                 <FONT SIZE="3" COLOR="#000000" FACE="Arial" >sample payment: on $2000.00 = $171.20</FONT></div> <div>                      sample payment: on $1500.00 = $128.40</div> <bR> <DIV ALIGN="LEFT"></DIV> <div> <B>ENERGY SERVICES </B></div> <div> Federal Credit Union</div> <div> 3515 3<FONT SIZE="1" COLOR="#000000" FACE="Arial" >rd</FONT> St N Box 808</div> <div> St Cloud MN 56302</div> <div> Telephone number: 320-255-8687   </div> <div>  Email Address: energyservices@charterinternet.com</div> <div> Website:  www.energyservicesfcu.com</div> <bR> <bR> </td> </tr></table></body>