LIVING. Earn Up to. $450 per Year *

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1 The Newsletter for Greater Nevada Credit Union Members Inside This Issue: Message from the President Greater Nevada Insurance Make Saving Automatic Time-Saving Loan Programs EMV Chip Cards Headed Your Way LIVING Earn Up to REATER OCTOBER 2015 EMV chips are the standard in card security, and this fall Greater Nevada debit cards will begin to include this added protection. EMV chips create a unique code for each transaction when used at an EMV enabled terminal, making the card extremely difficult to counterfeit. This means added protection for you when using your Greater Nevada debit card. EMV stands for Europay, MasterCard, and Visa, the three companies which originally created the standard. Watch for your new card in the mail by the end of the year. Please note that you will be issued a new card number and expiration date, so you ll want to update your card information with any automated or third party bill pay services. Call (775) or visit gncu.org/chip-card to learn more. $450 per Year * with Aspire Checking If you have Greater Nevada s Aspire checking, you re going to love the new enhancements. And if you re not in this rewarding checking account, you won t want to miss the opportunity to earn more than ever by making the switch. Checking that now pays up to 3.00% APY *! Yes, you read that correctly. Members can earn up to $450 per year with a 3.00% APY* on balances up to $15,000. Other perks include ATM fee rebates and no monthly service charge when you meet the qualifications*. Aspire isn t the only checking account that just got even better. Rock and Student Rock checking also offer the opportunity to earn more for your online purchases. To learn about Greater Nevada s Aspire and Rock checking and open your account online, visit gncu.org. Or speak with a Greater Nevada representative. * APY is Annual Percentage Yield. Rates subject to change. Fees may reduce earnings. Qualifications for earning 3.00% APY, receiving up to $15 in monthly ATM free rebates, and having the $15 monthly service charge waived are: have at least 15 debit card purchases post and clear; have one direct deposit post and clear; and receive online estatements during each monthly qualification cycle. Available to personal accounts only. For more information visit gncu.org. It s Time To Live Greater Federally insured by NCUA

2 From the President The Ongoing Value of Your Membership As Greater Nevada nears 50,000 members, I can t help but reflect on the progress we ve made the past several months to help that growing number live even greater. From new branches and technology, to new partnerships, it s our honor and privilege to serve the many people in our membership, as well as our communities. This summer we opened two new branches: one in Reno s Golden Valley and another in Elko, so members in these areas have easier access to their credit union. We also opened Greater Nevada Insurance, our new agency that enables members to contact one source and quickly access free quotes from a variety of high quality insurance providers. Already we re hearing stories of how the agency has saved members hundreds of dollars in annual premium costs. We also recently made some significant enhancements to our Aspire and Rock checking accounts, so that members can earn even more by simply using their Greater Nevada debit card. That card now also works with Apple Pay and will soon feature the latest in security features through EMV technology. These ongoing added values from your credit union are a direct result of the feedback we receive from our membership on a regular basis. At Greater Nevada, we not only gather the individual comments, messages and other interactions we have with members, we also conduct bi-annual surveys to better understand what we can do to continuously improve the products and services we provide. With that said, our next survey begins in November. If you do get a call and participate in this confidential survey, I d like to thank you in advance for helping Greater Nevada provide quality financial services that help all members to Live Greater. Warmest regards and God bless, Being a Member Just Got Easier! On September 1, 2015, your credit union s Board of Directors approved a reduction in the par value of a GNCU share from $25 to $5. The par value of a GNCU share is the minimum share savings account balance required to join the credit union and maintain membership. Every primary member is an owner of the credit union and is required to keep the equivalent value of one share in a share savings account. It s that share that allows members to enjoy the many benefits GNCU provides, as well as vote for their Board of Directors. This reduced minimum balance requirement does not change the financial value of the credit union or the value of your membership, though it does help make membership more affordable for individuals and businesses. It s also another way GNCU helps members Live Greater. For more information, visit the FAQ page at gncu.org or speak with a member service representative. Send & Receive Money the Easy & Secure Way With Popmoney, you can make and accept person-to-person payments easily from your Greater Nevada account using or mobile numbers. You can access Popmoney through ebranch, Greater Nevada s online banking portal. Once you log in, select the Payments tab at the top, then click Pay Your Bills. You ll see Popmoney as an option from the left hand navigation. Registered users can also use Popmoney on the GNCU mobile banking app. Learn more about this convenient and easy-to-use service by visiting gncu.org and choosing ebranch. Or speak with a Greater Nevada member service representative. Easily Find Greater Nevada Free Network ATMs and Branches As a Greater Nevada member, you have access to over 30,000 fee-free ATMs and 5,000 shared credit union branches nationwide. To quickly locate a free network ATM or branch anywhere in the country, simply download the free GNCU mobile banking app, or the CO-OP ATM SM and CO-OP Shared Branch SM apps at either the Apple App Store or GooglePlay TM Store. Or visit gncu.org and choose Services, then ATMs or Shared Branches for more information. Wally Murray President/CEO

3 Introducing Greater Nevada Insurance Protecting the Key Things in Your Life You have keys to your car, keys to your house, keys for nearly everything in your life especially the things that need to be insured. Greater Nevada Insurance can help protect everything that needs keys (and a lot more) by finding the coverage that s right for you. That includes insurance for home, renters, business, automobile, life and even pets. Call (775) or toll-free (844) to get a free, no obligation insurance quote. Greater Nevada Insurance works with a wide variety of well-known, top rated insurance agencies. Based on your personal needs, we ll match you with the best program and let you know how much money you can save. The process is simple and fast, and you can also request a free quote online at GreaterNevadaInsurance.com. Shop, compare and save with Greater Nevada Insurance! HOME AUTO RENTERS BOAT MOTORCYCLE Get Greater Coverage Insurance products which are available are not deposits of Greater Nevada Credit Union and are not protected by any type of deposit insurance, are not obligations of or guaranteed by Greater Nevada Credit Union, and may be subject to risk. Any insurance required as a condition of the extension of credit by Greater Nevada Credit Union need not be purchased from our Agency but may, without affecting the approval of the application for an extension of credit, be purchased from an agent or insurance company of the member s choice. Providing Homeownership to More Members Having the right loan is important when financing your home, and Greater Nevada offers a 5/5 Adjustable Rate Mortgage (ARM) that makes home ownership affordable for more members.* Interest rates that are lower than a standard 30 year fixed rate loan and only adjust once every five years Shorter waiting periods for homeownership after a short sale or foreclosure Flexible down payment requirements, as low as 10% Call (775) to speak with a Greater Nevada Mortgage consultant, or learn more at GreaterNevadaMortgage.com. * All loans are subject to credit approval by Greater Nevada Mortgage. Additional terms and conditions apply. See more at greaternevadamortgage.com/mortgage- Loans/Adjustable-Rate-Mortgage-(ARM). NMLS ID:

4 REATER Communities Watch for Volunteers and Opportunities this Fall It s fall and that means Greater Nevada volunteers are out in full force helping organizations and schools throughout our communities. Our Wolf Pack Marching Band fundraising has begun with events at the Wolf Pack home games and donation opportunities in our branches. This year, we re matching up to $25,000 in total donations to keep The Pride of the Sierra marching with new instruments, scholarships and more. You can also donate online at unr.edu/band. Speaking of marching bands, Greater Nevada is also the proud sponsor of three local high school band programs: Carson s Blue Thunder Marching Band, North Valley s Panther Marching Band, and Reed s Raider Marching Band. We ve committed to help them raise the money they need to keep their programs growing and the fans entertained during games and competitions. We re also looking forward to another fun-filled Special Olympics Bowl for the Gold fundraiser, happening this year on November 13 at the National Bowling Stadium. Why not join in and enjoy an evening that s sure to be a blast for bowlers of all levels, while raising money for our local Special Olympics athletes? To learn more visit gncu.org and click on Community Involvement. The Univeristy of Nevada Wolf Pack and North Valley High School marching bands perform together at the grand opening of GNCU s Golden Valley branch. Join us during Bowl for the Gold on November 13. At Your Service Apply For A Loan ItsTimeToLiveGreater.com or (855) LIV-GR8R ebranch Online Banking gncu.org Mobile Banking App Free download at the Apple App Store or Google Play Store Phone Activated Teller (775) , or outside of local calling area: (800) , press *, press 1 Member Resource Center (775) or (800) Greater Nevada is part of the CO-OP ATM SM and CO-OP Shared Branch SM networks. These networks provide free ATM and shared branch access nationwide for all members. For a complete listing of ATM and shared branch locations, as well as Greater Nevada branches, visit gncu.org. For the latest information about GNCU s special offers, new products and services, and more, we invite you to sign up for our enews at gncu.org/opt-in.html. Branches will be closed on: Monday, October 12 Columbus Day/Staff Training Friday, October 30 Nevada Day Wednesday, November 11 Veterans Day Thursday, November 26 Thanksgiving Day Friday, November 27 Family Day Friday, December 25 Christmas Day Audit Committee Daniel Thomas, Chair Scott Kelley, Member Dan Reaser, Member Steve Watson, Member Board of Directors Paul Richey, Chair Rob Joiner, Vice Chair Alex Talmant, Treasurer Bill Arensdorf, Secretary Financial Statistics Executive Team Wally Murray, President/CEO Dean Altus, EVP/COO Joyce Whitney-Silva, EVP/CFO James Anderson, EVP Mortgage Lending Barbara Byington, Director Vernon Dalton, Director Jon Steele, Director As of August 2015 As of August 2014 Members 49,722 46,642 Total Assets $559,041,003 $509,229,020 Total Deposits $500,880,015 $456,071,634 Total Loans $374,078,690 $307,324,972

5 Make Saving Automatic How easy is it to start building your savings? Super easy! Whether you have a goal in mind, or just want to make it a habit, Greater Nevada can help you automate the saving process, while still being in control of your money. Here s how: Transfers via Online Banking: As a Greater Nevada member, you have access to free online and mobile banking. This not only helps you easily view your account balances, it also enables you to transfer funds. You can use ebranch to set up automated transfers from your checking to your savings, as well as change the amount or frequency if needed. Direct Deposit: Another way to start saving automatically is by taking a certain amount from your paycheck and putting it into your savings account through Direct Deposit. You can always transfer those funds through online and mobile banking when necessary. Christmas Club: With a Greater Nevada Christmas Club savings account you can put away extra money all year long and then access those funds on November 1 just in time for the holidays. For more information or help with setting up your automated savings at Greater Nevada, contact a member service representative at (775) , or click on the Automate Your Savings tab on the Share Savings page at gncu.org. We ve Got the Auto Loan Program for You* Whether you re just researching cars or are ready to buy, Greater Nevada has auto loan programs designed to help members borrow comfortably and buy smart. Search for and compare vehicles with AutoSMART, our online research tool. You can even check inventory and prices at local dealers. For hassle-free, haggle-free car shopping, let our AutoPREMIER concierge car buying program do the work for you, plus enjoy extra incentives from participating local dealers. When it comes to borrowing money for that new vehicle, Greater Nevada Credit Union offers competitive rates and flexible terms to make sure you find payments that fit your budget. We also have unique programs that are not always available from other lenders. The Payment Saver Auto Loan combines the flexibility and ownership of conventional financing with the low cost of leasing. Our First Time Buyer Program helps borrowers who have no credit history get a vehicle loan and build their credit without needing a co-borrower, and Our Credit Rebuilder Program is available for those getting back on their feet after a financial hardship. To learn more about all of our great loan programs, visit gncu.org and choose Loans, or call (855) LIV-GR8R. The Sprint Credit Union Member Discount If you re looking to save on your mobile phone bill, then check out the Sprint Credit Union Member Discount, available to Greater Nevada members. Simply call (877) or visit your nearest Sprint store and mention the corporate ID codes below: Members Mention Corporate ID: NACUC_ZZM Get a 10% discount on select regularly priced Sprint monthly data service plans Have your activation fee on new lines waived ($36 savings) Have your upgrade fee waived ($36 savings) Business Members Mention Corporate ID: NACUC_ZDS_ZZM Get a 15% discount on select regularly priced Sprint monthly data service plans Have your activation fee on new lines waived ($36 savings) Have your upgrade fee waived ($36 savings) *All loans subject to credit approval by GNCU. Additional terms and conditions apply.

6 The Best Products Come From Nevada. The Best Business Banking Comes From Greater Nevada. Greater Nevada Business Services offers a full range of banking products and services, including checking*, merchant services, cash management, loans, and more. Plus a local business banking team that s ready to serve you. Just like you, we re locally owned and operated and our track record proves we can help businesses like yours succeed. Our full range of business products and personal service ensures you get the one-onone attention you deserve. Learn more at gncu.org or speak with a member service representative. * Greater Nevada business checking accounts are available to members who are officers or owners, and authorized signers of legal business entities within Greater Nevada s field of membership. For more information, visit Business Services at gncu.org. A Message from Greater Nevada Financial Services When Should I File for Social Security Benefits? Social Security benefits are essential to your retirement income plan, but most people don t know their options for collecting. And many people don t know that Social Security decisions decisions that could cost a person tens of thousands of dollars in potential lifetime benefits are largely irreversible. We re ready to help you understand the benefits you ve earned. Social Security rules are complex and there are 22,000 pages of them. We can show you how to use the complexity of Social Security to your own advantage. Over a lifetime, your Social Security retirement benefits could very well be your largest single asset far greater than the value of your home. Let us help you make the most of this asset! Call us today at (775) to schedule a meeting and to request your own no-cost Social Security Analysis & Strategy report. Representatives are registered, securities are sold and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/ SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, IA 50677, Non-deposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financial services program, to make securities available to members.