Subject: SoSMART Checking Monthly Summary
From: <[email-masked]>
To: <[email-masked]>
Date: Wed, 7 Nov 2007 15:33:15 -0500

10/31/2007

Dear Michael A. Bishop:

For your convenience, below is the summary of the three simple monthly requirements for your SoSMART Checking and your actual results.  If requirements were met this cycle, you received 6.01% APY on balances up to $25,000, 0.60% APY on the portion of your balance above $25,000, and ATM fee refunds up to $25 per cycle.

If requirements weren't met, you still received 0.25% on your balance and many other great features, however ATM fees weren't refunded.  Remember, you start over next month toward meeting the simple requirements below to receive your premium interest rate and free ATMs anywhere.

Good news for new SoSMART Checking accounts - even if you don't qualify, you automatically receive rewards for the first two cycles starting the first day you sign-up.  After that, just meet the three simple requirements each cycle to qualify for the rewards.

For the cycle beginning 09/28/07 and ending 10/30/07, your SoSMART checking qualified for bonus interest and a refund of ATM fees.

CYCLE REQUIREMENT SUMMARY

E-Statements			
	Yes

Direct Deposit or Direct Payment (ACH)
	Met

15 Debit Card Transactions (posted to your account)
	Completed 55

Go ahead, brag to your friends and relatives about your SoSMART Checking - they'll appreciate your smart advice!

If you have any questions on your SoSMART Checking, or if there is anything else you need, just call 888.267.7200 or send a secure e-mail through Internet Banking.  We'll be happy to help you.

NuUnion Credit Union

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