4

Member NoticesSperry Corner Piece /2nd Quarter 2013

Second Quarter 2013

Providing Over 75 Years of Better Banking!

THE

PIECEC

OrNEr

Fee Change Notice: Courtesy Pay Increase Effective 5/5/13

Please be advised that the fee for Courtesy Pay will increase to $35 per occurrence, effective 5/5/13. Our current fee listings are available at www.sperryfcu.org.

Attention IRA Members: A new way to receive distributions is coming soon!

Instead of waiting for your check to arrive in the mail, your funds will be automatically deposited into your share account, giving you immediate availability. Look for more information about this new convenience in the next newsletter.

Kevin J. Healy Joins Sperry as CEOSperry Associates Federal Credit Union announced the selection of Kevin J. Healy as the organization’s Chief Executive Officer & Vice Chairman of the Board at the annual member meeting on December 29, 2012. Mr. Healy has served as the Vice Chairman of the Board of Directors of Sperry Associates Federal Credit Union since April 2011 and has been a Member of the Board since March 2010.

Formerly the Chief Operating Officer, General Counsel and Secretary of American Defense Systems, Inc., Mr. Healy began his new role as CEO of Sperry Associates Federal Credit Union on December 31, 2012. “Working as a volunteer member of Sperry’s Board of Directors for the past three years has given me the insight I need to lead Sperry FCU

forward in 2013 and beyond,” said Mr. Healy. “I am honored to receive this nomination from the Board and subsequent approval by the National Credit Union Administration (NCUA),” he said. “I look forward to creating a dynamic environment with our management team and staff so that we can provide the best products and services to our membership,” Mr. Healy said.

Mr. Healy has reinvigorated the Management Team and Staff since starting his new role at Sperry. In addition to hiring new staff to fill open roles at the credit union, Mr. Healy’s team-oriented, results-driven leadership is already proving fruitful. Thanks

to Mr. Healy’s determination since becoming CEO, and with support of the Board of Directors, Sperry received approval from the National Credit Union Association (NCUA) on the Net Worth Restoration Plan. “Now that we have approval of our plan, we can continue to move forward with rebuilding Sperry,” Mr. Healy said. “Working together, the Management Team and Staff will make Sperry the credit union of choice in our community,” he said. “Recognizing that Sperry still has some challenges ahead, Mr. Healy said, “We are proud of our credit union and we will make systematic improvements that benefit our Members, ultimately allowing us to deliver the best credit union experience that our Members have seen in quite a while.”

Your savings are federally insured to at least $250,000 and backed by the full faith of the United States Government. The National Credit Union Administration (NCUA) is a U. S. Government Agency.

LOCATIONS & HOURS OF OPERATIONOur E-Branch never closes:E-Branch www.sperryfcu.orgHours 24/7Call Center and Live Help:Available during business hours

MAIN OFFICE2400 Jericho Turnpike Garden City Park, NY 11040-4711Telephone: (800) 676-5512 or (516) 873-7171Fax: (866) 549-7039

Lobby Hours and Drive-up Teller WindowMonday 8:30am – 4:30pmTuesday 8:30am – 4:30pmWednesday 8:30am – 4:30pmThursday 8:30am – 4:30pmFriday 8:30am – 6:30pmSaturday 9:00am – 1:00pm

Find a Shared Branch or Surcharge-free ATMAs a valued Sperry member, you have surcharge-free ATM access at any 7-Eleven® or King Kullen. You can also conduct account transactions at over 60 Credit Union Shared Branches on Long Island. To find the nearest ATM or Shared Branch, visit our website at www.sperryfcu.org.

Tel-24 Touch Tone Service (516) 873-7171, Option 2 (800) 676-5512, Option 2

MasterCard® Customer Assistance (800) 237-6211 • www.ezcardinfo.com

First Mortgage (800) 239-5376

Our Routing Number 221475773

Holiday CloSiNGS

Sperry on the Go

FREE Mobile Banking App:

Check balances, make transfers and more with the “Sperry FCU Mobile Banking” app. Download it from your AndroidTM or iPhone® application store—it’s free!

24/7/365 Online Banking & Bill Pay:Enjoy the convenience of Internet Banking with our easy to use PC 24 Online Banking and Bill Pay. Sign up at www.sperryfcu.org today!

Checking

$1,486.38Sporting Goods - $58.28 >

Transfer from Savings $200.00 >Gas Company

- $117.25 >Video Store

- $12.36 >Credit from Store

$45.12 >Savings

$845.00

Kevin J. HealyCEO & Vice Chairman, Sperry FCU

Memorial DayMay 27

Independence DayJuly 4

32 Sperry Corner Piece /2nd Quarter 2013 Sperry Corner Piece /2nd Quarter 2013

Loan OffersDirector and Staffing Updates

Used-Car Purchases Top New Car SalesHELOCWhether you call your new car “pre-owned” or “used,” the fact is that instead of buying new cars today’s

car purchasers are opting to buy cars after they’ve been broken in for a year or more, according to a study conducted by The Financial Brand (see chart). This makes sense from a financial perspective—since used cars cost less than buying the same type of car when it’s brand new. So many dealers offer attractive packages for used cars including warranty and recurring service offers, adding value to the purchase and giving confidence to the used-car buyer.

Purchasing a house can prove challenging to first-time homebuyers, especially if you are buying a home in Nassau County. The good news is that getting an adjustable rate mortgage, or ARM, is a convenient way to reduce monthly expenses when you buy a house. Since ARM rates are typically lower than fixed-rate mortgages, the monthly mortgage payment can be lower, a great help when moving into your first home. By taking out this type of partly fixed, partly variable-rate mortgage, the money saved on monthly payments can be used somewhere else when you first move in—for furniture, room updates, taxes, you name it!

*APR=Annual Percentage Rate. 2Rates and terms subject to change without notice. Not all applicants will be approved. Mortgage approvals based on creditworthiness and other criteria. 3/1/30 Adjustable Rate Mortgage (ARM): At a 2.125% initial interest rate, the APR for this loan type is 3.218%, subject to increase. Based on current market conditions, the monthly payment schedule would be: 36 payments of $751.80 at an interest rate of 2.125%, 323 payments of $871.96 at an interest rate of 3.375% and 1 payment of $872.81 at an interest rate of 3.375%. 5/1/30 Adjustable Rate Mortgage (ARM): At a 2.375% initial interest rate, the APR for this loan type is 3.147%, subject to increase. Based on current market conditions, the monthly payment schedule would be: 60 payments of $777.31 at an interest rate of 2.375%, 299 payments of $867.97 at an interest rate of 3.375% and 1 payment of $868.47 at an interest rate of 3.375%. These payment schedules are based on a $200,000 loan on a $250,000 purchase of a property in Nassau County, NY. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner’s insurance premiums. Other rates and terms available. Closing costs and other fees apply. Annual cap after initial rate is based on prime rate plus a margin. Index: 1 year CMT + spread. Program limit per term listed is two million dollars. Rates current as of 3/15/13; please see mortgage rates at www.sperryfcu.org for today’s rates.

If the weather created new projects to fix at your house, consider Sperry for your home improvement financing! Our Home Equity Line of Credit (HELOC) is so versatile:

Revolving line of credit—you can pay interest-only during your 10-year draw period to keep initial payments to a minimum initially, or simply pay back principal and interest to reuse the HELOC throughout your 10-year draw period

Easy access to funds—by writing HELOC checks, withdrawing cash at the branch or transferring funds online

Variable rate—with rates so low these days, many people use HELOCs to finance home improvements, pay for education expenses, pay taxes and more!

The funds of a HELOC are available for your use for 10 years, and then the amount outstanding is paid back with interest for the remainder of the term, typically 15 additional years. The variable rate is based on Prime plus a margin, adjusts periodically and is paid back in monthly payments—a convenient way to use the equity in your home to finance your personal needs.

*APR = Annual Percentage Rate. 1.99% HELOC introductory rate is for new home equity lines of credit only. Intro rate good for six months and then adjusts using the WSJ Prime Rate plus an agreed upon margin and adjusts quarterly. Current HELOC rates range from 1.99% APR to 10.00% APR, with a maximum term of 180 months. Other rates and terms are available. Rates and terms subject to change without notice. A credit is issued up to $1,200 to cover any or all closing costs associated with the HELOC, which must be repaid to Sperry if the HELOC is closed within 36 months of opening the HELOC. Any additional costs due to loan amount, property type and/or lien position may be paid with loan proceeds. Sperry FCU does not refinance existing Sperry HELOCs. Not all applicants will be approved. Loan approvals based on creditworthiness and other criteria.

First-time Homebuyers: ARMs May Lend a Hand for More Affordable Payments

Has your House Sprung a Leak this Spring? Consider a Home Equity Line of Credit!

Apply for a loan today: www.sperryfcu.org • 516-873-7171, Option 3

Annual Meeting—New Board of Director MembersTwo board vacancies were voted upon at our 2011 Annual Meeting on December 29th. Congratulations to members Robert Fried and Michael McGillicuddy for being elected to Sperry’s Board of Directors. Mr. McGillicuddy is now a member of the Supervisory Committee as well. Our current Board of Directors and Supervisory Committee members are:

Board of Directors:Chairman, Gary BarelloVice Chairman, Kevin HealySecretary/Treasurer, Jorge RestrepoDirector, Robert FriedDirector, Michael McGillicuddy

Sperry Staff is Growing!We’ve added several new members to our staff since the beginning of this year, including:Kevin Healy, CEO & Vice ChairmanDoug Brinkman, CFOPaul Casey, Lending DirectorLauren Carrabs, Compliance SpecialistChristina Faso, Member Service RepresentativeMichael Moriarity, Member Service RepresentativeMary Norris, Executive Assistant

Please join us in wishing everyone the best in their new roles at Sperry.

1APR = Annual Percentage Rate. Vehicle Loan Rates range from 1.25% APR to 13.34% APR. Rates are based on applicant’s credit history and other restrictions. Applicants who are not offered the lowest rate may be offered credit at a higher rate. Not all applicants may be approved. Payment by Auto Pay requires automatic payment from your active Sperry checking account. Rates for non-Auto Pay are .25% higher. Rates and terms are subject to change without notice. Sperry refinances vehicle loans from other financial institutions only.

Sperry Adjustable Rate Mortgage Rates are Terrific:

3/1 aRM2

Rate APR*

2.125% 3.218%

5/1 ARM2

Rate APR*

2.375% 3.147% 1st-time Sperry HELOCintroductory rate

1.99%

for the first 6 months

Congratulations to Member Service Representative Taynia Taynia received special recognition from Enterprise Car Sales for a job well done in referring members to this fantastic used car buying program. Next time you are in our branch, make sure to ask Taynia, our member service representatives, or our tellers all about it!

VeHiCle loaNTerm 2 Year 3 - 4 Year 5 Year

Rates as low as: 1.25% APR1 1.50% APR1 1.75% APR1

If you are in the market for a car, truck, or van, apply for a vehicle loan at Sperry. We offer very competitive rates on both new and used car loans:

Thank you… Merci…. Muchas Gracias…

We’d like to thank our members in so many ways, for so many reasons… for your membership, for choosing Sperry for your loan needs, and for the pleasant surprise of thanking us for a job well done!

“Thank you for your services with my auto loan. It was a pleasure

doing business with you. I look forward to doing business with

you again in the future.” —Tony M

Kudos to Teller Kelly W. and Member Service Representative Marion for receiving thank you letters from member Tony M.That’s what “Better Service”is all about!

APR*

Intro rate then converts to a monthly variable rate after intro period, based on Prime Rate

plus a margin.

Supervisory Committee:Chairperson/Secretary, Rosaria SassoMember, Anna GutsinMember, Michael McGillicuddy

Refer Family & Friends—Get Money to SpendGive the gift of credit union membership and we’ll deposit $20 into your account! Refer a few new members and you’ll get $20 for each new membership! Simply give this referral form to your family members and friends—make copies as needed. Once their Sperry savings account and checking account with Visa® Check Card are open for three months, you’ll be $20 richer!

Sperry Referral Form: (Please bring this form with you to Sperry)Member First and Last Name:

Member Address:

Friend & Family Information

First and Last Name:

Address:

Sperry Information

Savings: Y / N Checking: Y / N Visa® Check Card: Y / N

Account Opening Date: Date of Referral Fund Credit to Referring Member:

Referral funds will be reported as interest income for the calendar year credited.

Pictured L-R: Kevin Healy, CEO; Taynia, MSR; Kelly Cornfield, Branch Manager; Carline & Evan, Enterprise Car Sales Reps.

32 Sperry Corner Piece /2nd Quarter 2013 Sperry Corner Piece /2nd Quarter 2013

Loan OffersDirector and Staffing Updates

Used-Car Purchases Top New Car SalesHELOCWhether you call your new car “pre-owned” or “used,” the fact is that instead of buying new cars today’s

car purchasers are opting to buy cars after they’ve been broken in for a year or more, according to a study conducted by The Financial Brand (see chart). This makes sense from a financial perspective—since used cars cost less than buying the same type of car when it’s brand new. So many dealers offer attractive packages for used cars including warranty and recurring service offers, adding value to the purchase and giving confidence to the used-car buyer.

Purchasing a house can prove challenging to first-time homebuyers, especially if you are buying a home in Nassau County. The good news is that getting an adjustable rate mortgage, or ARM, is a convenient way to reduce monthly expenses when you buy a house. Since ARM rates are typically lower than fixed-rate mortgages, the monthly mortgage payment can be lower, a great help when moving into your first home. By taking out this type of partly fixed, partly variable-rate mortgage, the money saved on monthly payments can be used somewhere else when you first move in—for furniture, room updates, taxes, you name it!

*APR=Annual Percentage Rate. 2Rates and terms subject to change without notice. Not all applicants will be approved. Mortgage approvals based on creditworthiness and other criteria. 3/1/30 Adjustable Rate Mortgage (ARM): At a 2.125% initial interest rate, the APR for this loan type is 3.218%, subject to increase. Based on current market conditions, the monthly payment schedule would be: 36 payments of $751.80 at an interest rate of 2.125%, 323 payments of $871.96 at an interest rate of 3.375% and 1 payment of $872.81 at an interest rate of 3.375%. 5/1/30 Adjustable Rate Mortgage (ARM): At a 2.375% initial interest rate, the APR for this loan type is 3.147%, subject to increase. Based on current market conditions, the monthly payment schedule would be: 60 payments of $777.31 at an interest rate of 2.375%, 299 payments of $867.97 at an interest rate of 3.375% and 1 payment of $868.47 at an interest rate of 3.375%. These payment schedules are based on a $200,000 loan on a $250,000 purchase of a property in Nassau County, NY. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner’s insurance premiums. Other rates and terms available. Closing costs and other fees apply. Annual cap after initial rate is based on prime rate plus a margin. Index: 1 year CMT + spread. Program limit per term listed is two million dollars. Rates current as of 3/15/13; please see mortgage rates at www.sperryfcu.org for today’s rates.

If the weather created new projects to fix at your house, consider Sperry for your home improvement financing! Our Home Equity Line of Credit (HELOC) is so versatile:

Revolving line of credit—you can pay interest-only during your 10-year draw period to keep initial payments to a minimum initially, or simply pay back principal and interest to reuse the HELOC throughout your 10-year draw period

Easy access to funds—by writing HELOC checks, withdrawing cash at the branch or transferring funds online

Variable rate—with rates so low these days, many people use HELOCs to finance home improvements, pay for education expenses, pay taxes and more!

The funds of a HELOC are available for your use for 10 years, and then the amount outstanding is paid back with interest for the remainder of the term, typically 15 additional years. The variable rate is based on Prime plus a margin, adjusts periodically and is paid back in monthly payments—a convenient way to use the equity in your home to finance your personal needs.

*APR = Annual Percentage Rate. 1.99% HELOC introductory rate is for new home equity lines of credit only. Intro rate good for six months and then adjusts using the WSJ Prime Rate plus an agreed upon margin and adjusts quarterly. Current HELOC rates range from 1.99% APR to 10.00% APR, with a maximum term of 180 months. Other rates and terms are available. Rates and terms subject to change without notice. A credit is issued up to $1,200 to cover any or all closing costs associated with the HELOC, which must be repaid to Sperry if the HELOC is closed within 36 months of opening the HELOC. Any additional costs due to loan amount, property type and/or lien position may be paid with loan proceeds. Sperry FCU does not refinance existing Sperry HELOCs. Not all applicants will be approved. Loan approvals based on creditworthiness and other criteria.

First-time Homebuyers: ARMs May Lend a Hand for More Affordable Payments

Has your House Sprung a Leak this Spring? Consider a Home Equity Line of Credit!

Apply for a loan today: www.sperryfcu.org • 516-873-7171, Option 3

Annual Meeting—New Board of Director MembersTwo board vacancies were voted upon at our 2011 Annual Meeting on December 29th. Congratulations to members Robert Fried and Michael McGillicuddy for being elected to Sperry’s Board of Directors. Mr. McGillicuddy is now a member of the Supervisory Committee as well. Our current Board of Directors and Supervisory Committee members are:

Board of Directors:Chairman, Gary BarelloVice Chairman, Kevin HealySecretary/Treasurer, Jorge RestrepoDirector, Robert FriedDirector, Michael McGillicuddy

Sperry Staff is Growing!We’ve added several new members to our staff since the beginning of this year, including:Kevin Healy, CEO & Vice ChairmanDoug Brinkman, CFOPaul Casey, Lending DirectorLauren Carrabs, Compliance SpecialistChristina Faso, Member Service RepresentativeMichael Moriarity, Member Service RepresentativeMary Norris, Executive Assistant

Please join us in wishing everyone the best in their new roles at Sperry.

1APR = Annual Percentage Rate. Vehicle Loan Rates range from 1.25% APR to 13.34% APR. Rates are based on applicant’s credit history and other restrictions. Applicants who are not offered the lowest rate may be offered credit at a higher rate. Not all applicants may be approved. Payment by Auto Pay requires automatic payment from your active Sperry checking account. Rates for non-Auto Pay are .25% higher. Rates and terms are subject to change without notice. Sperry refinances vehicle loans from other financial institutions only.

Sperry Adjustable Rate Mortgage Rates are Terrific:

3/1 aRM2

Rate APR*

2.125% 3.218%

5/1 ARM2

Rate APR*

2.375% 3.147% 1st-time Sperry HELOCintroductory rate

1.99%

for the first 6 months

Congratulations to Member Service Representative Taynia Taynia received special recognition from Enterprise Car Sales for a job well done in referring members to this fantastic used car buying program. Next time you are in our branch, make sure to ask Taynia, our member service representatives, or our tellers all about it!

VeHiCle loaNTerm 2 Year 3 - 4 Year 5 Year

Rates as low as: 1.25% APR1 1.50% APR1 1.75% APR1

If you are in the market for a car, truck, or van, apply for a vehicle loan at Sperry. We offer very competitive rates on both new and used car loans:

Thank you… Merci…. Muchas Gracias…

We’d like to thank our members in so many ways, for so many reasons… for your membership, for choosing Sperry for your loan needs, and for the pleasant surprise of thanking us for a job well done!

“Thank you for your services with my auto loan. It was a pleasure

doing business with you. I look forward to doing business with

you again in the future.” —Tony M

Kudos to Teller Kelly W. and Member Service Representative Marion for receiving thank you letters from member Tony M.That’s what “Better Service”is all about!

APR*

Intro rate then converts to a monthly variable rate after intro period, based on Prime Rate

plus a margin.

Supervisory Committee:Chairperson/Secretary, Rosaria SassoMember, Anna GutsinMember, Michael McGillicuddy

Refer Family & Friends—Get Money to SpendGive the gift of credit union membership and we’ll deposit $20 into your account! Refer a few new members and you’ll get $20 for each new membership! Simply give this referral form to your family members and friends—make copies as needed. Once their Sperry savings account and checking account with Visa® Check Card are open for three months, you’ll be $20 richer!

Sperry Referral Form: (Please bring this form with you to Sperry)Member First and Last Name:

Member Address:

Friend & Family Information

First and Last Name:

Address:

Sperry Information

Savings: Y / N Checking: Y / N Visa® Check Card: Y / N

Account Opening Date: Date of Referral Fund Credit to Referring Member:

Referral funds will be reported as interest income for the calendar year credited.

Pictured L-R: Kevin Healy, CEO; Taynia, MSR; Kelly Cornfield, Branch Manager; Carline & Evan, Enterprise Car Sales Reps.

4

Member NoticesSperry Corner Piece /2nd Quarter 2013

Second Quarter 2013

Providing Over 75 Years of Better Banking!

THE

PIECE

CO

rNErFee Change Notice: Courtesy Pay Increase Effective 5/5/13

Please be advised that the fee for Courtesy Pay will increase to $35 per occurrence, effective 5/5/13. Our current fee listings are available at www.sperryfcu.org.

Attention IRA Members: A new way to receive distributions is coming soon!

Instead of waiting for your check to arrive in the mail, your funds will be automatically deposited into your share account, giving you immediate availability. Look for more information about this new convenience in the next newsletter.

Kevin J. Healy Joins Sperry as CEOSperry Associates Federal Credit Union announced the selection of Kevin J. Healy as the organization’s Chief Executive Officer & Vice Chairman of the Board at the annual member meeting on December 29, 2012. Mr. Healy has served as the Vice Chairman of the Board of Directors of Sperry Associates Federal Credit Union since April 2011 and has been a Member of the Board since March 2010.

Formerly the Chief Operating Officer, General Counsel and Secretary of American Defense Systems, Inc., Mr. Healy began his new role as CEO of Sperry Associates Federal Credit Union on December 31, 2012. “Working as a volunteer member of Sperry’s Board of Directors for the past three years has given me the insight I need to lead Sperry FCU

forward in 2013 and beyond,” said Mr. Healy. “I am honored to receive this nomination from the Board and subsequent approval by the National Credit Union Administration (NCUA),” he said. “I look forward to creating a dynamic environment with our management team and staff so that we can provide the best products and services to our membership,” Mr. Healy said.

Mr. Healy has reinvigorated the Management Team and Staff since starting his new role at Sperry. In addition to hiring new staff to fill open roles at the credit union, Mr. Healy’s team-oriented, results-driven leadership is already proving fruitful. Thanks

to Mr. Healy’s determination since becoming CEO, and with support of the Board of Directors, Sperry received approval from the National Credit Union Association (NCUA) on the Net Worth Restoration Plan. “Now that we have approval of our plan, we can continue to move forward with rebuilding Sperry,” Mr. Healy said. “Working together, the Management Team and Staff will make Sperry the credit union of choice in our community,” he said. “Recognizing that Sperry still has some challenges ahead, Mr. Healy said, “We are proud of our credit union and we will make systematic improvements that benefit our Members, ultimately allowing us to deliver the best credit union experience that our Members have seen in quite a while.”

Your savings are federally insured to at least $250,000 and backed by the full faith of the United States Government. The National Credit Union Administration (NCUA) is a U. S. Government Agency.

LOCATIONS & HOURS OF OPERATIONOur E-Branch never closes:E-Branch www.sperryfcu.orgHours 24/7Call Center and Live Help:Available during business hours

MAIN OFFICE2400 Jericho Turnpike Garden City Park, NY 11040-4711Telephone: (800) 676-5512 or (516) 873-7171Fax: (866) 549-7039

Lobby Hours and Drive-up Teller WindowMonday 8:30am – 4:30pmTuesday 8:30am – 4:30pmWednesday 8:30am – 4:30pmThursday 8:30am – 4:30pmFriday 8:30am – 6:30pmSaturday 9:00am – 1:00pm

Find a Shared Branch or Surcharge-free ATMAs a valued Sperry member, you have surcharge-free ATM access at any 7-Eleven® or King Kullen. You can also conduct account transactions at over 60 Credit Union Shared Branches on Long Island. To find the nearest ATM or Shared Branch, visit our website at www.sperryfcu.org.

Tel-24 Touch Tone Service (516) 873-7171, Option 2 (800) 676-5512, Option 2

MasterCard® Customer Assistance (800) 237-6211 • www.ezcardinfo.com

First Mortgage (800) 239-5376

Our Routing Number 221475773

Holiday CloSiNGS

Sperry on the Go

FREE Mobile Banking App:

Check balances, make transfers and more with the “Sperry FCU Mobile Banking” app. Download it from your AndroidTM or iPhone® application store—it’s free!

24/7/365 Online Banking & Bill Pay:Enjoy the convenience of Internet Banking with our easy to use PC 24 Online Banking and Bill Pay. Sign up at www.sperryfcu.org today!

Checking

$1,486.38Sporting Goods - $58.28 >

Transfer from Savings $200.00 >Gas Company

- $117.25 >Video Store

- $12.36 >Credit from Store

$45.12 >Savings

$845.00

Kevin J. HealyCEO & Vice Chairman, Sperry FCU

Memorial DayMay 27

Independence DayJuly 4