1. How do I make a loan payment?

•   Sign up for payroll deduction or automatic payment. This allows your payments to be     automatically deducted from your paycheck on a regular basis. You will never have to worry     about late payments again.

•   On Line Banking - Use our free on-line banking service to transfer funds from your checking or     savings account to your loan account.

•   Expressline - use any touch-tone phone to make your loan payment at your convenience, 24     hours a day. Simply select the "transfer funds" option to transfer payment from another San     Francisco Federal Credit Union account to make your loan payment.

•   By Mail - simply mail your check in along with your payment coupon.

•   Automatic Money Transfer/ACH - Make your regular loan payment automatically with funds from     another financial institution.

2. Know Your Credit

•   Effective December 1, 2004, under the Fair and Accurate Credit Transactions Act consumers      can request and obtain a free credit report once every 12 months from each of the three      nationwide consumer credit reporting companies: Equifax, Experian and TransUnion. Your free      credit report can be obtained at AnnualCreditReport.com, a centralized service for consumers      to request annual credit reports created by the three nationwide consumer credit reporting      companies.

    AnnualCreditReport.com offers consumers a fast and convenient way to request, view and print     their credit reports in a secure Internet environment. They also provide options to request     reports by telephone and by mail. AnnualCreditReport.com is the only service authorized by     Equifax, Experian and TransUnion for this purpose. Please note that, as a security precaution,     consumers should never provide their personal information to any other company or person in     connection with requesting free annual credit reports under the FACT Act.     AnnualCreditReport.com will not approach consumers via email, telemarketing or direct mail     solicitations.

•   0% financing from the dealership is not always going to save you the most money. If you are     prepared with alternative financing options before you walk through the showroom door, you're     already ahead of the game. Learn more.