Invite Your Family To Join Ours The holidays are just around the corner. Here s

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1 First Class Fall 2015 THE NEWSLETTER OF PEOPLE S ALLIANCE FEDERAL CREDIT UNION Dates to Remember Fall Holiday Loans Available November 1 through December 31 Daylight Savings Time Ends Sunday, November 1 Turn your clocks back one hour. Home Banking Conversion Mid-day November 4 Veterans Day Wednesday, November 11 Thanksgiving Thursday, November 26 Visit Santa in Hauppauge, Hanson Place, and Miami Saturday, December 5 10:00 a.m. - 12:00 p.m. Christmas Eve Thursday, December 24 All PAFCU offices close at 1:00 p.m. Christmas Day Friday, December 25 New Year s Day Friday, January 1, Holiday Help From PAFCU Is your Grinch-like budget barely covering the cost of Santa s cookies and milk this holiday season? We can help. With a Holiday Loan from PAFCU, you can enjoy this most wonderful time of the year. And our low-interest rates mean you won t end up with a holiday hangover from bringing on high interest credit cards. Start by calculating your expenses: gifts, wrapping paper, shipping and postage, decorations, cards, holiday meals and parties and so on. Last year s bills can help remind you of what you spent. Too much? Think about ways of trimming back. For example, draw names instead of buying everyone on your list a gift or ask family members to help with meal preparation by bringing a dish to pass. Plan to ship gifts in ample time instead of paying for expedited deliveries. With your spending plan complete, see us about a Holiday Loan. Then shop with cash. Research shows that many consumers spend less when they use cash instead of plastic. Any member to take out a PAFCU Holiday Loan November 1 through December 31 will pay no interest for 30 days from the date of the loan. Qualified members will pay a special annual percentage rate as low as (631) , option 1. not approved at this rate may be offered credit at a higher rate. All loan requests and rates are subject to credit approval. This offer cannot be combined with any other offer. Invite Your Family To Join Ours The holidays are just around the corner. Here s a gift that can last a lifetime: membership in the credit union. Because you belong to the credit union, your family members also are eligible to join. They, too, can enjoy all of the benefits of belonging: lower rates on loans, competitive rates on savings, convenient access to their accounts, and best of all, being treated like a person, not a number. In satisfaction survey after survey, consumers consistently rate credit unions higher than other financial institutions. With a gift of credit union membership, one size really does fit all and no worries about the long line at the return and exchange counter. Membership in the credit union makes an ideal baby shower or christening gift as well. What better way to show your love and affection than starting a little one out on the road to financial security. For more information about how your family can join the credit union family, stop by the credit union or give us a call. RATES AS LOW AS 7.99% * Congratulations to PAFCU s 2015 Scholarship Winners! PAFCU awarded five High School Graduates a scholarship of $1,000 each. Christian De Los Santos graduated from Palisade Prep in Yonkers, NY. He will be studying Criminal Justice at Dutchess Community College in Poughkeepsie, NY. Christina Haji-Georgi graduated from Northport High School. She will be attending Emerson College for Marketing Communications. Ian Millar graduated from Uniondale High School. He will be attending SUNY Farmingdale where he plans to study Bio-Medical Science. Kevin Murphy graduated from Sayville High School. He plans to attend SUNY Plattsburgh where he will study Accounting. Valencia McNair graduated from Dr. Micheal Krop Senior High School in Miami, FL. She will be attending Alcorn State University where she plans on studying Computer Science. Your Traditional Credit Union, Always There For You

2 A Message from the President As we transition into the fall season, I would like to take this opportunity to remind our members that the holidays are quickly approaching. Before the holiday bustle wears you down and gift-giving madness leaves your pockets dry, please consider easing this year s spending stress by taking advantage of PAFCU s holiday loan. From November 1, 2015 through December 31, 2015, we will be offering our holiday loans with and a maximum 2-year term. Be good to yourself. Apply online or come in to any of our branches and apply for a holiday loan. It will help get your shopping done early so you can enjoy the holidays. And don t forget, you can also apply for our low rate Visa Gold/ Platinum credit card which can also help manage your holiday spending needs. As I mentioned in our summer newsletter, we are always listening to our members feedback and looking for ways to improve our member service. With that in mind, I am excited to let you know we will be launching a whole new Home Banking and Bill Payment experience, offering more features, conveniences and control to members who wish to bank and pay bills online! This new system will launch midday Wednesday, November 4th, making it possible for you to manage your money faster and easier than ever before. Plus we will be able to provide you with an array of new features you have been requesting. Some of the new features include: to your family and friends by text message or with PopMoney Banking App layers of authentication to protect your information As a valued member of PAFCU, we thank you for your patience during this transition. We are confident you will be pleased with our new and enhanced banking services. If you have any questions, please feel free to contact us by phone or stop by in person. We will be happy to assist and provide you with further details. Please be sure to check your s and the PAFCU website for further communications regarding these improvements. Here at PAFCU our goal, every day, is to meet your financial needs with products and services that improve your life and save you money. We will continue to make enhancements to our culture, invest in our people, expand our technology and renew our commitment to you, our members. I wish you a joyous holiday season with your family and friends. Most Sincerely, Carol A. Allen, President/CEO Current Loan Rates Loan Type Term APR Signature (Unsecured)/Debt Consolidation New Vehicle Used Vehicle 1-3 years 4-5 years 1-5 years 6 years (over $15,000) 7 years (over $25,000) 1-5 years 6 years (over $15,000) 7 years (over $25,000) 9.99%* 10.99%* 1.74%* 1.99%* 3.24%* 2.19%* 2.19%* 3.99%* Visa Gold open 10.9%* Visa Platinum open 9.9%* * The above annual percentage rates (APR) are the lowest rates offered to applicants with direct deposit of net pay and a checking account. Applicants who are not approved at this rate may be offered credit at a higher rate and/or different terms. All loan requests and rates are subject to credit approval. Rates and terms are subject to change. Current and previous year models. Six (6) month introductory rate of 4.00%. All rates and terms offered are effective September 30, 2015 and are subject to change without notice. Additional terms and conditions may apply. For a full listing of our loan and mortgage rates and to apply visit or call option 1 Dividend Update Regular Share & Club Accounts.20% Annual Percentage Yield.20% Dividend Rate IRA Share Accounts.25% Annual Percentage Yield.25% Dividend Rate Golden Checking, Checking Plus & Escrow.05% Annual Percentage Yield.05% Dividend Rate The Board of Directors has announced a declaration of these dividends to be paid on individual member s eligible balances for the quarter ending September 30, Great Car Loan Rates Keep Us Up-To-Date Have you moved, changed your mailing address, address, or your telephone number in the past year? Do you have a name change? If so, please let us know. It is important that the credit union has your current information on file. We want to make sure all communication and important notices from the credit union reach you on time. If you have a name change, you will need to come by the credit union to update your signature card. And, for your security, change of address requests must be made in writing and on the proper forms. Please contact us for more information. And don t forget, if you move out of state, you can continue being a member of the credit union: Once a member, always a member.

3 Teen Scene The Road Rules Of Budgeting Traveling along the road of money management can be anything but smooth. There are plenty of bumps, twists, and turns along the way. As a teenager, you most likely haven t faced these obstacles yet, but you can be sure that they lay ahead. The good news is that by following some basic budgeting rules you can set yourself up early on with the skills and knowledge for financial stability and soundness. You might be young but you still have the power to pave the way today so that you can navigate a bit easier and avoid roadblocks as you get older and your finances get more complicated. Read on to learn how you can get on the road to smarter saving, spending, and planning: 1. STOP any current spending. You may be doing some impulse buying. This should be avoided as part of your new budgeting plan. 2. TRACK your spending. What are you spending on and how much? Compare that to what you re bringing in. If you re spending more than you re making, start to cut back or find a way to make more money. 3. THINK about your saving goals. Do you have a big ticket item to save for, like college or a car? By realizing these important goals, and putting them in writing, you ll be more likely to stick with your budget and not waste money on other things. 4. PLAN for how you ll attack those goals. Start by figuring out how much you re going to save each week and how much spending money you ll need. Also, think about where you ll save your money - your Share Savings Account at the credit union would be the perfect place! Don t forget to pick out something special to splurge on once you start meeting your goals - this will give you more incentive to stick with it. 5. SAVE, save, save. As soon as you earn some money, take a portion of it to the credit union and deposit it in your account. Once you have a base in your savings account, and maybe a little extra money, consider opening a higher interest account like a Money Market or CD, to help you save faster. How Do I Build Credit History? Figuring out how to build a decent credit history as a teenager is like trying to solve a puzzle. The pieces need to fit just right if you want to end up with a successful solution. The good news is that with some support from Mom and Dad, and a little know-how from the credit union, you ll be on your way to establishing some quality credit and a stable financial start. Here are 5 Tips for Credit-Building Teens: to your CU account will help you learn more about budgeting and spending. Experts say that having a debit card with parental supervision gives teens a little bit of independence while also limiting what they can purchase. Financial studies have shown that even more than financial literacy courses, checking their credit scores regularly, sparked an interest in teens as to how the financial world works and helped them better manage their money and credit usage. credit card. A card with a small credit line teaches good habits, like patience and responsibility. By making small purchases and paying your card off each month, you re raising your credit score, and in time, will receive offers for credit cards with a higher limit. you use any type of credit - pay your bills in full and on time, and don t overspend. Keep in mind it is responsible credit management that will get you where you need to be. By abusing credit and falling into debt, you ll do away with your good record. funds in your Share Savings account as security or collateral for your loan. In essence, you re borrowing against the money in your savings account to show credit worthiness by making payments on time. In the process, you re building a rich credit history. For details on credit-building products and services, check out or stop by any branch today. Limit Stress And Keep Your Cool With Overdraft Protection You have enough worries in life, managing your finances shouldn t be one of them. If you want to limit the stress in your life, simplifying your finances is a great solution. One way to do that is with Overdraft Protection from People s Alliance. This simple tool can make a big difference in helping you gain the peace of mind you re looking for when it comes to your money. The convenience and benefits that Overdraft Protection offers, makes signing up almost a no-brainer. While you already enjoy zero balance requirements and no monthly fees with your credit union checking account, by adding Overdraft Protection you ll also: In addition to traditional Overdraft Protection, we also offer an overdraft line of credit (LOC) which is essentially a loan connected to your checking account. This adds extra protection in the event that you don t have sufficient funds in your checking account when an overdraft occurs - your LOC will kick in instead. Keep in mind, a LOC requires an application and qualification. For more information on Overdraft Protection services, or to sign up, call, visit our website, or stop by any branch location.

4 En Español Alcance sus metas financieras En PAFCU, siempre nos esforzamos en ayudar a los miembros de la cooperativa para que puedan alcanzar sus metas financieras. Contamos con personal preparado para asesorarlo y guiarlo en la dirección correcta. Muchos miembros de la cooperativa tienen preguntas sobre cómo liberarse de las deudas. Estos son algunos de los pasos que le pueden ayudar a reducir su deuda: 1. Una vez que haya realizado el pago de la cuota mensual de cualquier préstamo, continúe depositando la misma cantidad en pagos a su cuenta de ahorros de PAFCU. Si no es posible ahorrar toda la cantidad, entonces por lo menos ahorre depositando el equivalente a la mitad de los pagos que usted estaba haciendo. 2. Cada año haga un pago extra de la hipoteca. Esto puede ahorrarle miles de dólares en intereses. Si hacer un pago extra de la hipoteca representa mucho dinero, divida el pago de la hipoteca en 12 y añada esta cantidad a sus pagos mensuales. Incluya una nota con su pago indicando a la compañía de crédito que abone ese pago extra a la cantidad principal del préstamo. Al incrementar la cantidad del pago mensual del préstamo, no sólo ahorra dinero, sino que a largo plazo, usted está aumentando el valor de su casa. 3. Fije como objetivo al eliminar la tarjeta de crédito con la tasa de interés más alta, préstamos estudiantiles, pagos sobre préstamos de automóvil, etc. Calcule cuánto interés está pagando. Luego, haga una lista de cada acreedor, incluyendo el nombre del acreedor, tasa de interés, y la cuota del pago mensual mínimo. Haga el pago más grande al acreedor con mayor tasa de interés. Esto le ayudará a reducir su deuda. O averigüe la refinanciación o préstamo de consolidación de deuda que ofrece PAFCU. Comuníquese con nosotros para cualquier pregunta o visite: Recuerde que puede contar con PAFCU para atender cualquier necesidad bancaria. Obtenga una tarjeta de crédito visa de PAFCU con tasa de crédito desde 9.9% y con un 4.0% por transferencia de balance.* Tarjeta Visa Gold Tarjeta Visa Platinan Tarjeta Visa para adolescentes La oferta para las personas que ya tienen una Tarjeta de Visa es que pueden transferir un saldo de $1,000 ó más de otra tarjeta de crédito y podrán recibir una Tasa de Porcentaje Anual de 4.0% por 6 meses! Para averiguar cómo una tarjeta de Visa puede ayudarle a ahorrar dinero. Visite cualquier oficina de PAFCU y allí puede completar una solicitud sencilla. También, puede completar una solicitud visitando nuestro sitio web en la siguiente dirección: con depósito directo del sueldo neto y una cuenta de cheques. Todas las solicitudes de préstamos deben pasar por el proceso de aprobación de crédito. Esta oferta no se puede combinar con ninguna otra oferta. Ya están disponibles los Prestamos Para Vacaciones Papá Noel o Santa Claus tiene ayuda: Gente con orejas puntiagudas y nariz larga que usan sombreros divertidos. Pero, y usted? Cómo va a hacer brillar y resplandecer los días Tasas de interés bajas desde 7.99% * festivos? Un préstamo para las celebraciones de fin de año o para vacaciones de PAFCU viene al rescate! Un préstamo puede llegar a ahorrarle dinero. En lugar de excederse en el uso de cuentas de banco o tarjetas de crédito (algunas de las cuales pueden llegar a tener un 25% de interés o más) determine cuánto dinero necesita para los gastos durante los días festivos como: juguetes y regalos, papel de regalo, tarjetas, estampillas de correo, diversión, viaje u otros gastos. Si parece que va a gastar mucho dinero, piense en posibles maneras de economizar. Por ejemplo, organice un desayuno especial en lugar de una cena o, para no correr con todos los gastos, pídale a los invitados que colaboren con un plato especial. Una vez que usted tenga un presupuesto, acérquese a nuestras oficinas de PAFCU para obtener un préstamo. Utilice su préstamo (solamente esa cantidad) para sus gastos durante las celebraciones de fin de año. El tener un plan, y saber de antemano la cantidad de dinero que va a necesitar, le permiten tener control sobre sus gastos. Cualquier miembro de la cooperativa que obtenga un préstamo para las celebraciones de fin de año de PAFCU entre el 1ro de noviembre hasta el 31 de diciembre no tendrá que pagar intereses por 30 días a partir de la fecha del préstamo. Las personas que califiquen pagaran una tasa de interés con un porcentaje años. Solicite en la siguiente dirección: o llame a PAFCU al (631) con depósito directo del sueldo neto y una cuenta de cheques. Los solicitantes a quienes no se les apruebe el préstamo con esta tasa de interés, pueden recibir una oferta de crédito con una tasa de interés más alta. Todas las solicitudes de préstamos y tasas de interés deben pasar por el proceso de aprobación de crédito. Esta oferta no se puede combinar con ninguna otra oferta. Los mejores consejos para la compra de automóvil Las mayores decisiones, y la compra de un automóvil, en particular, son estresantes. De hecho, después del matrimonio y la compra de una casa, la compra de un automóvil es una de las más grandes y desconcertantes fuentes de estrés. Sin embargo, usted puede disfrutar la experiencia de comprar su automóvil, y reducir el nivel de estrés simplemente utilizando las tácticas GrooveCar. Haga una Pre-solicitud. Una pre-solicitud es una estrategia que recomiendan los expertos en compra de carros. Por qué? Porque la pre-aprobación financiera establece una seguridad - esto determina su PTA (Porcentaje de Tasa Anual), proporciona un presupuesto para saber cuánto dinero puede invertir en la compra de su auto y le ahorra tiempo en el concesionario. De hecho, al hacer una solicitud financiera previa con PAFCU, usted puede adquirir una tasa de interés hasta de 1.74% en la compra de su nuevo automóvil. Y si usted no pre-solicita? No se preocupe, porque los miembros de PAFCU pueden darse el lujo de financiar su propio auto nuevo o usado en uno de los 250 concesionarios aprobados en GrooveCar. Investigación El conocimiento es poder y la investigación va a aumentar sus conocimientos; esto hará que sea más fácil tomar una decisión en el momento de la compra. Los recursos que tiene PAFCU/GrooveCar le proporcionan la oportunidad de investigar y comparar más de automóviles nuevos o usados, investigar garantías, pruebas de accidente, encontrar ofertas en el Blue Book y mucho más. Ahorros Programas legítimos de ahorros como rebates e incentivos son esenciales para maximizar su poder de compra, y usted puede tener acceso a los dos sitios: PAFCU/GrooveCar. Aún mejor, es que PAFCU cuautocoupon, ofrece $300 para la compra del mejor auto nuevo o usado. Puede presentar este cupón en cualquier momento durante la negociación con uno de los concesionarios y recibir un descuento de inmediato, no se le harán preguntas. Para obtener la preaprobación de financiamiento de PAFCU, obtener un cupón por $300, localizar concesionarios locales y obtener mayor información, visite hoy: y busque GrooveCar.

5 People s Alliance Investment and Retirement Center 5 Home Energy Saving Tips Is Your CD About to Mature? Thomas A. Sconzo If your PAFCU Share Certificate or Certificate of Deposit with another financial institution is about to mature, now is an excellent time to consider the investment options and opportunities available to you. Your certificate can renew automatically. Or you may choose to reinvest your funds in a tax-deferred annuity or other investment or insurance product. For more information about the broad range of financial and insurance products and services available, contact Thomas Sconzo, the People s Alliance Investment and Retirement Representative through his coordinator at (631) , extension 262. Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. FR INT (0513) Shoppers: Save With A Low-Rate Credit Card Attention shoppers! It s time to start your carts. Just make sure you re fueling your shopping trip with the right credit card in your wallet. A low-interest rate Visa credit card from PAFCU means more fun shopping. Department store or other credit cards can carry interest rates as high as 25%. And remember, the more interest you pay, the less you have to spend on those holiday gifts and your other household expenses! Visa Gold Card s )NTRODUCTORY RATE OF FOR MONTHS s,ow!nnual &EE s 2ATES AS LOW AS Visa Platinum Card s )NTRODUCTORY RATE OF FOR MONTHS s.o!nnual &EE s 5#HOOSE 2EWARDS 0ROGRAM s 2ATES AS LOW AS Visa Teen Platinum Card s )NTRODUCTORY RATE OF FOR MONTHS s.o!nnual &EE s 5#HOOSE 2EWARDS 0ROGRAM s 2ATES AS LOW AS Offer For Existing Visa Card Holders transfer a balance of $1,000 or more from another credit card and receive an APR of 4.0% for 6 months! And PAFCU s Visa Credit Card always has no balance transfer and cash advance fees. To find out how a PAFCU Visa Card can save you money, apply online at or stop by any PAFCU office.!nnual PERCENTAGE RATE IS THE LOWEST RATE OFFERED TO APPLICANTS WITH DIRECT DEPOSIT OF NET pay and a checking account. All loan requests are subject to credit approval. This offer cannot be combined with any other offer. Here are some tips to help you save energy and money: 1. Use exhaust fans sparingly. A kitchen or bathroom fan can pull out a lot of warm air in a short period of time. 2. Ceiling fans can distribute the warm air hugging the top of the room. Reverse the switch so air blows upward, toward the ceiling. 3. Make sure doors seal properly. An 1/8-inch crack around a door is the same as having a six-inch hole in a wall. 4. Install a programmable thermostat to save energy when you are away. 5. Most of the heat a traditional open fireplace generates goes straight up the chimney. And even when not burning, warm air from the room is drawn out of the house through the chimney. Consider installing an airtight insert for your fireplace. Thank You Vets! 7EDNESDAY.OVEMBER MARKS THE TH OBSERVANCE of Veterans Day. President Woodrow Wilson declared the day a federal holiday IN /RIGINALLY KNOWN AS!RMISTICE Day, the name was changed to Veterans $AY IN 4HE DATE WAS CHOSEN IN reference to the ending of World War I: Germany signed an armistice with the!llies AT A M ON.OVEMBER Today, Veterans Day is dedicated to honoring all who have served our country. It is an important reminder of the sacrifices all of our military men and women have made on our behalf, and an opportunity to acknowledge and thank them for their service and contributions. As we mark the day, all of us at People s Alliance want to say, Thank you vets! No Matter Where You Are, Your Check Will Be There Ever worry about how your paycheck will be deposited when you are planning on going away? Reduce the stress by signing up for Direct Deposit. Not only will you have the freedom to go or be wherever you want, you ll enjoy the benefits of the safe and secure automatic deposits into your PAFCU account. Plus, not to mention, the free time you will have with not having to wait in line to deposit your check. Although we will miss seeing you, we also believe in providing our members with a solution to all their financial needs. Our routing number is If you have any questions about this free service, just call or stop by People s Alliance and one of our friendly member service representatives will be happy to help.

6 PAFCU Branches and ATMs Administration 125 Wireless Blvd. Hauppauge, NY (631) (631) (fax) Brooklyn 69 Atlantic Ave. Brooklyn, NY (718) (718) (fax) 67 Hanson Place Brooklyn, NY (718) (718) (fax) Jamaica/Allen The Greater Allen Cathedral of New York Merrick Blvd. Jamaica, NY (718) x3037 (718) (fax) 8:30 a.m. - 4:00 p.m. M-W 8:30 a.m. - 6:00 p.m. Th-F* 8:30 a.m. - 2:00 pm Sat** Drive-Up 8:00 a.m. - 3:30 p.m. M-W 8:00 a.m. - 5:30 p.m. Th-F 8:30 a.m. - 1:30 p.m. Sat Miami 5757 Blue Lagoon Drive Suite 100 Miami, FL (888) (305) (fax) Ronkonkoma 3125 Veterans Memorial Hwy. Ronkonkoma, NY (631) (631) (fax) 125 Wireless Blvd. Hauppauge, NY PAID PERMIT NO. 70 HICKSVILLE NY :30 a.m. - 4:00 p.m. M-W 10:30 a.m. - 6:00 p.m. Th* 7:30 a.m. - 3:00 p.m. Fri Closed Sat Closed M 8:30 a.m. - 4:00 p.m. Tues 9:30 a.m. - 5:00 p.m. W* 9:30 a.m. - 7:00 p.m. Th* 9:30 a.m. - 5:00 p.m. Fri* 9:30 a.m. - 3:00 p.m. Sat** Closed M 8:30 a.m. - 4:00 p.m. Tues-W 8:30 a.m. - 5:00 p.m. Th* Closed Sat 8:00 a.m. - 12:30 p.m. Sun** Drop Box/Depository Available during Cathedral business hours JFK Airport Building #14 West Wing, Room 4A Jamaica, NY (718) (718) (fax) PRESRT STD U.S. POSTAGE on the first floor Fall Into The Driver s Seat With A Low-Rate Vehicle Loan If you re worried your wheels won t survive another winter, now is the time to take action. Dealers are looking to make room for the 2016 models and may be highly motivated to negotiate. And with a low-interest rate vehicle loan from People s Alliance, you re already at an advantage. Shopping with a pre-approved loan is virtually the same as shopping with cash. But before you step onto the dealer lot, do your homework. Checkout Everything Automotive at to do all your research. New or just new to you, remember to see the credit union for your financing. Then, take your time. Sellers may want to rush a deal, but you ll make a better decision if you carefully evaluate your options. Westbury 1600 Stewart Ave. Suite #101 Westbury, NY (516) (516) (fax) Yonkers 132 Tuckahoe Road Yonkers, NY (914) (914) (fax) *Walk-in business after 4:00 p.m. **Walk-in business only. PAFCU's Routing Number: CO-Op Network ATM Access Entitles members to surcharge-free access to ATMs throughout the U.S. including all 7-Eleven stores. Website: Growing With Our Members Your Traditional Credit Union, Always There For You PAFCU Board of Directors Michael R. Gumiela, Chairman John A. Romanchek, Vice Chairman Diane Goerz, Secretary Barbara A. Mandello, Treasurer Nicholas M. Lacetera, Director Olga Lancaster, Director John Mistretta, Director PAFCU Board Emeritus Kenneth C. Hess PAFCU Executive Management Carol A. Allen, President/CEO Joanne Steigerwald, Executive Vice President Frank Kobel, Vice President Branch Operations