SUBJECT:

USE Credit Union

Having a University & State Employees (USE) Credit Union branch on campus
is an exclusive benefit for all UCSD faculty, staff and students, one that
provides many valuable time and cost saving advantages.

A one-time fee of $10.00 entitles employees and students to lifetime
membership privileges, including checking accounts, low interest credit
cards, and a variety of investment and retirement savings. Furthermore,
the rates on auto loans, home mortgage loans, VISA, and signature loans
are among the lowest currently available in the San Diego area.

Many faculty, staff and student members already take advantage of the
credit union's convenient SurePay service which automatically deposits
their University paycheck each payday. In addition to saving valuable
time, this service ensures that your funds are immediately available at any
of USE's four San Diego locations or through ATM card access at any
statewide CO-OP ATM location or the STAR SYSTEM and CIRRUS teller
machines worldwide. Also, USE's all-electronic telephone service, Live Wire,
provides instant access to account information 24 hours a day, seven days a
week, via touchtone phone.

If you have not already done so, please consider the many benefits of
membership in USE Credit Union. The branch office on campus is located at
3100 Gilman Drive. For information call 453-5620 or the TeleServices
Center at 535-1676 during normal business hours.

Richard C. Atkinson Chancellor