Credit Line. The 1.99% APR* Apply Online at SOLD RATES DOWN AT GNO HOUSING MARKET UP. Don t let high interest rates get you snowed in!

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1 The Credit Line WINTER 2013 FEATURED PRODUCT Need financing for a 1 st Mortgage or to Refinance your current home Apply Online at Historically low rates Anytime, anywhere Streamlined app process Online loan decisions Response in 20 minutes Detailed cost information Calculators For more info... call or tfallon@gnofcu.com WELCOME TO... Bayou Title Hyatt Place EIS Engineering & Inspection Services, LLC We look forward to sharing the wonderful world of credit union membership with your employees! Don t let high interest rates get you snowed in! Vehicle loans as low as 1.99% APR* SOLD RATES DOWN AT GNO HOUSING MARKET UP If the uncertain economy has you worried, today s low interest rates may be one thing that puts your mind at ease. Now is a great time to apply for a mortgage or to refinance the one you have. With many houses for sale, and many for sale at rock-bottom prices, we can help make you comfortable in a new home with a comfortable interest rate and term. How and Why to Refinance a Mortgage If you ve ever considered refinancing your home loan, now may be the time as historically low rates persist. By locking in a better rate on your loan, you might reduce your monthly payment and save thousands of dollars in interest on the life of your mortgage. A lower interest rate also could allow you to build equity in your home more quickly. GNO s online mortgage calculators can help you determine your savings and break-even point. Simply click on the Mortgage Rates - Apply Now box at on our home page. Next, select Resources from the column on the left and go to Calculators. The decision to refinance your mortgage should reflect the best way to manage your debt. Our mortgage loan professionals at GNO can help evaluate your financial situation and discuss your best options. For more information call or tfallon@gnofcu.com.

2 Janet L. Sanders CCUE, CUCE BETTER BANKING The Direct Line from Janet L. Sanders, President/CEO As we begin the New Year, we reflect on the last twelve months and on our lives in general. While we may have some uncertainty of what lies ahead, we look to the future with anticipation and hope. Our New Year s resolutions for the future are about making ourselves and the world we live in a better place. And why not apply these same resolutions for improvement to our financial well-being, too. The New Year is the perfect time to improve your financial health, decrease your high interest rate financing and unclutter your wallet from excessive credit card accounts. With assistance from GNO, you can improve your financial status in We are ready and eager to help you. If your goal is to make better use of your money, consider refinancing your existing debt. Our refinance programs for mortgages and vehicle loans help you lower your interest rates on your loans, which will decrease your monthly payments. If your goal is to reduce or eliminate your credit card debt, you will certainly want to think about transferring your current credit card balances to our VISA Platinum card program, where fixed rates are as low as 6.99%. And of course, there is our GreenPath Debt Solutions Program, which is a nonprofit debt consultation company that GNO has partnered with to help our members achieve their financial goals. GreenPath services are FREE and you get free access to money management and financial education services, as well as receive assistance with personal and family budgeting, understanding your credit report and improving your credit score, money management and debt repayment. Just visit our web site at for more information and to set up a confidential phone appointment. Be sure to read this edition of The Credit Line to learn what financial benefits are available to you in Let us help you eliminate some of the economic stress of the previous years and help you get a handle on your fiscal future. With the cash you free up by restructuring your financing, you can undoubtedly create a healthy financial plan and enjoy the savings in the coming years ahead. Best Wishes for a Fiscally Fit New Year! WE LOVE OUR DEBIT CARDS and we know you will too Why are people reaching for their debit cards in record numbers? Convenience It s quicker to pull out a plastic card at the point-of-sale than to write a check. It s also easier to track spending with cards than with cash--and using plastic eliminates the need to even carry cash. Pay-as-you-go With debit, you have the convenience of plastic without carrying a loan balance or paying interest. Balance caps Because debit cardholders can only spend the money they have in their checking accounts, debit cards help control spending. Zero liability Visa debit card users have zero liability for any unauthorized use of their cards--a fact that many consumers don t realize. If your card is lost or stolen, you simply report it and close the account. You don t pay for any transactions you didn t make. Cash back If you use your PIN (personal identification number) for a debit card transaction rather than signing a receipt, you can request cash back at many merchant locations. The merchant will add the cash amount to your transaction total. Wide acceptance Debit cards are accepted at locations worldwide, while many merchants are reluctant to accept non-local checks. Switch Your Checking/Debit Card to GNO TODAY! Get your Make the Switch Kit at

3 OVERWHELMED WITH HOLIDAY BILLS? a consolidation loan can reduce the stress An extravagant holiday season usually means a mailbox full of bills for the new year! Different due dates and interest rates can keep you busy mailing checks and keep you broke from paying high interest rates. There s a better way. Add up all your balances and, if you qualify, we ll lend you the money to pay them off. You ll get a better rate, pay off your debt sooner, and you ll only have one payment every month. Or, if you prefer, we ll deduct the amount due directly from your account. 5-DAY ONLY SPECIAL! FEBRUARY 1-7, 2013 Borrow a max of $5,000 for up to 36 months with a rate as low as 8.99% APR * *APR=Annual Percentage Rate. Approval and terms are based on member s credit and ability to repay. The rate may vary depending on individual credit history and underwriting factors. All credit union loan programs, rates, terms & conditions are subject to change at any time without notice. Payroll deduction/direct deposit discount of.25% included in advertised rate. Loan example: $5,000 borrowed at 8.99% APR for 36 mos. = estimated monthly payments of $ GEAR UP YOUR HOME BANKING EXPERIENCE Next time you re in Home Banking, be sure to use the Gear Icons! Simply click on any of the gears throughout the site for additional options and features that provide account details, ways to customize your account, show histories and more! SAFETY NET SOLUTIONS an affordable alternative to payday loans Our Safety Net Solutions are the perfect products for you to use to land safely on your own two feet. Get the money you need, build savings and re-establish your credit history. Step 1: Safety Net Advance Start with Safety Net Advance which provides you with manageable advances with a low interest rate. Step 2: Safety Net Savings By putting your savings in a credit union account, you can resist the temptation to tap the funds when you re short on cash. That way, the money will always be there when a true emergency arises. A percentage of your Safety Net Advance will automatically be deposited into a special savings account that earns interest - establishing good savings habits. Step 3: Safety Net resolution This last step is your key to financial freedom! You can now further improve your credit by being able to borrow up to $2000 and establish a checking account helping you develop a relationship as a GNO member in good standing! Safety Net Solutions empowers members to successfully: Break from the high risk of payday loan cycles Develop healthy savings habits Establish good credit

4 COMING REAL SOON Mobile Banking & Personal Financial Management Program In early 2013, we re releasing Mobile Banking so, you ll be able to stay on top of your account activity no matter where you are with your iphone or Android. With your Android or iphone, Mobile Banking members will be able to: Get account information quickly and safely View past transactions right away Take a look at your balance anywhere you are Transfer money between accounts when you need it Be in Control of Your Budget with Personal Financial Home Banking Imagine being able to quickly view your banking, investments, mortgage and credit card info all in one place, regardless of where you have the accounts. It will all be yours in early 2013 with our newest Personal Financial Management release! Just look at all these features and benefits coming your way: View your accounts in one place Create tags to categorize and monitor your spending Set financial goals Ability to ask questions and engage in community discussions Capability to check account balances, transfer funds and manage your banking activities right from your phone NEW USED REFINANCED we have THE KEY FREE FREE FREE FINANCIAL EDUCATION Women & Money Thursday, February 21 6:00 PM Westbank Branch 2731 Manhattan Blvd. Suite A-25 Harvey, Louisiana RSVP by 2/20 to YOU LL GET ADVICE ON: Where you are now Dealing with financial barriers & challenges Fine-tuning your spending plan Tools to track your finances Setting goals and so much more! VEHICLE FINANCING AS LOW AS 1.99% APR * *APR=Annual Percentage Rate. Approval and terms are based on member s credit and ability to repay. The rate may vary depending on individual credit history and underwriting factors. All credit union loan programs, rates, terms & conditions are subject to change at any time without notice. Payroll deduction/direct deposit discount of.25% included in advertised rate. Loan example: $1,000 borrowed at 1.99% APR for 12 mos. = estimated monthly payments of $ Amount financed must be at least $15,000. For refinancing, current vehicle must be financed with another lender. Finance terms up to 72 months available. A Golden Opportunity

5 MAKE THE SWITCH TO PLATINUM now through January 31, 2013 Transfer a balance of $2500 or more and... GNO will give you $25.00 FIXED Rates as low as 6.99% APR * * Credit Card rates available as low as 6.99% Annual Percentage Rate (APR) not to exceed 18.00% APR. Fixed rate based on credit worthiness. $25 No Hidden Rate Increases No Balance Transfer Fees No Annual Fees 10-day Late Payment Grace Periods 25-day Grace Period for Purchases No Over-the-Credit Limit Fees No Minimum Interest Charges OUR FINANCIAL FREEDOM WINNER Catina LeBlanc Ready to Set Sail to the Caribbean Congratulations to Catina LeBlanc, the winner of our Financial Freedom Cruise for 2 drawing! She became eligible for the prize when she referred her son to GNO to begin his voyage to financial freedom. Catina and her fiancé, Terry Favorite, will be setting sail in 2013 on a 5 Day/4 Night Carnival Cruise to the Western Caribbean. Terry, who is also a GNO member, originally referred Catina to GNO! Catina and Terry are planning an early 2013 wedding, so her grand prize may very well be used as a honeymoon trip to Progreso and Cozumel! L to R: GNO Member Terry Favorite; GNO President/CEO Janet L. Sanders; Cruise Winner Catina LeBlanc So best wishes to our new FAVORITES as they set sail on their cruise and new lives together! BON VOYAGE! ENOLA M. FEE SCHOLARSHIP AWARD - $1,000 Applications & Materials due by Friday, March 15, 2013 The scholarship application and eligibility requirements are outlined at Click on Additional Services then Scholarships. Materials should be submitted via mail, , or delivery no later than March 15th. Essays will be judged on originality, content and grammar quality.

6 TIS THE SEASON TO BE SAVING FOR 2013 Don t let shopping sales slips overwhelm you! A GNO Christmas Club account preserves the joy of the holidays by eliminating the financial stress of the season. Instead of charging everything at the last minute, save in advance for holiday spending. Determine what you spent last year and add a portion of that to your account each month. Or, have an amount deducted directly from your paycheck. Avoid a shopping spree hangover next year. Come see us today to set up a Christmas Club Account for 2013! DISCOUNTED TAX FILING FOR MEMBERS available at Why spend more than you should to have someone else do your taxes for you? TurboTax puts the power in your hands to keep more of your hard earned money, as well as the peace-of-mind of knowing you have experts in your corner every step of the way. Plus, GNO members can save on TurboTax Federal Deluxe. Get started now and get your biggest possible refund! Jackson Hewitt also offers members two ways to save big on tax prep. Valued GNO members are entitled to save either $30 on their individual income tax preparation at participating Jackson Hewitt Tax Service locations nationwide or pay $50 less than last year* when you switch to Jackson Hewitt from a competing tax preparer. Let Jackson Hewitt estimate your refund. FREE! Meet with one of their tax pros today to see what Jackson Hewitt can do for you. No appointment necessary. For more information, go to TurboTax Disclaimer: 1 Maximum (Biggest) Refund Guaranteed or Your Money Back: If you get a larger refund or smaller tax due from another tax preparation method, we ll refund the applicable TurboTax federal and/or state purchase price paid. TurboTax Federal Free Edition customers are entitled to payment of $14.95 and a refund of your state purchase price paid. Claims must be submitted within 60 days of your TurboTax filing date and no later than 6/15/13. Optional add-on services excluded. Cannot be combined with TurboTax Satisfaction (Easy) Guarantee Intuit Inc. All rights reserved. State filing charges apply. Limited time offer for TurboTax Terms, conditions, features, availability, pricing, fees, service and support options subject to change without notice. Intuit, TurboTax and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries. Other parties trademarks or service marks are the property of their respective owners. Jackson Hewitt Disclaimer: Offer valid on tax preparation fees only. Does not apply to amendments, extensions, online tax preparation product or other services. Valid at participating locations and may not be combined with any other offer. Your Credit Union does not determine fees charged by Jackson Hewitt or its franchisees. If you are not satisfied with the fees quoted you are not obligated to complete your return with Jackson Hewitt and may decline their services any time prior to filing. Most offices are independently owned and operated. *Offer valid for tax prep fees paid of $150 or more. Proof of last year s tax prep fee required. Offer expires 4/30/13. DOES YOUR COMPANY OFFER CREDIT UNION MEMBERSHIP AS A BENEFIT? Better Banking should be an option for everyone! Why not share the benefits of GNO membership with your co-workers? If your company doesn t offer GNO as an employee benefit, give our Business Development a call at or We will be happy to contact your place of employment and see what we can do to have them participate as a Business Partner HOLIDAYS CLOSINGS & EVENTS MARTIN LUTHER KING, JR. DAY Closed - Monday, January 21 MARDI GRAS Closed - Tuesday, February 12 PRESIDENTS DAY Closed - Monday, February 18 GNO ANNUAL MEMBERSHIP MEETING Wednesday, March 27 Kenner City Park Pavilion GOOD FRIDAY Closed - Friday, March 29 CONTACT INFO Main Office Mid-City Downtown Northshore Westbank Federally insured by the National Credit Union Administration Lime Street Metairie, LA 2812 Canal Street New Orleans, LA 333 Canal St., Suite 327A New Orleans, LA 1291 N. Causeway Blvd. Suite 3, Mandeville, LA 2731 Manhattan Blvd. Suite A-25, Harvey, LA Communique Audio Response /7 Loan Application by Phone /7 Loan Applications Online Lost or Stolen ATM or Debit Card Option 3 Lost or Stolen VISA Credit Card Over 4,900 GNO Locations Nationwide Just look for the CUSC Swirl! LIKE US ON FACEBOOK