A Message from the CEO

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1 October 2007 A Message from the CEO For the past 53 years, we have been recognized by or logo, name, competitive rates, and qality member service. All these have been vital to the strength of or organization. As we contine to grow, we feel it is necessary to refresh and enhance or image as a leader among credit nions. We feel now is the right time or time! I am pleased to introdce to yo the new look of General Electric Evendale Employees Federal Credit Union. Patrick L. Taylor Throgh this newsletter and or promotional pieces, branch locations, website, and more, yo will begin to see this new look. With this refreshing change, we want or crrent and potential members to recognize s and realize they are a part of one of the strongest, most sond financial instittions in the contry. And, what better way to display or new brand than with or new branch office in Loveland/Symmes Township. This new state-of-the-art branch, which opened last month, is located near the intersection of Loveland-Madeira Road and East Kemper Road, not far from I-275. From the moment yo walk into the office, yo will get a tre sense and feel for or new look. Yo will visally see what credit nion membership is all abot and why we are different than most. In or ongoing efforts to serve yo with qality member service, yo ll have the option of performing transactions at: the teller windows, two drive-throgh windows, and a drive-throgh and a walk-p ATM - all at no charge. Another poplar convenience is a coin conter to help yo cont all yor loose change. Pls, yo ll be informed abot crrent promotions and events at GEFCU on the plasma TV screens located throghot the lobby. We are also implementing a new, optional secrity featre called identicenter; its added secrity throgh biometrics. Biometrics allows s to properly identify yo by reading the logarithmic vales of yor fingerprints; yor actal fingerprint is never stored. identicenter eliminates any chance for identity theft and allows members to transact bsiness withot any frther identification. This new featre is strictly optional. I encorage yo to stop-in and check ot or beatifl new office and its amenities. As we move to the ftre, I hope yo ll be jst as excited and refreshed with or new look as we are. Or new brand was created with the principle philosophy of People Helping People and we will contine to stand by or members as we always have with great prodcts and services and top qality member service. Or goal is to make a difference in the lives of or members and to help yo achieve yor dreams Becase we can! And, as always, I sincerely thank yo for yor contined trst and spport of or credit nion! Inside this Isse Holiday Closings Did Yo Know? Doble Reward Yorself Call for Candidates Bsiness Lending Options Available Premim FREE Checking 11 th Annal Cnningham Scholarship What Wold Yo Rather Be Doing? Legal Assistance Yo Can Trst Monday, October 8, 2007 Observance of Colmbs Day Monday, November 12, 2007 Observance of Veterans Day Access to yor accont is available throgh Online Banking, Sorceline, and any ATM. A pblication for the members of General Electric Federal Credit Union (GEFCU).

2 Did Yo Know? Did yo know or Loveland/Symmes Township office is open? DOUBLE Reward Yorself Earn DOUBLE Points on Yor VISA Platinm Card Believe it or not, the holidays are only a cople of months away. As yo start prchasing items from yor holiday shopping list, se the card that rewards yo! From now ntil Febrary 1, 2008, yo ll receive two points for every net dollar spent or transferred. For every $ 1 2 yo receive points! Last month, or newest, state-of-the-art branch opened at Loveland-Madeira Road, near the corner of Loveland-Madeira Road and East Kemper Road. This office offers members many conveniences, inclding: Drive-throgh teller windows; for added secrity, yo will need to provide photo identification to perform transactions. ATMs and night depositories; one drivethrogh and one walk-p. And, these ATMs do not se envelopes; simply insert yor checks into the machine. Yor receipt will provide yo with scanned images of yor deposited checks.* Coin conter for easily processing yor loose change. Teller windows, loan offices, and more! And, it also offers optional, added secrity to yor accont throgh identicenter: biometrics. Biometrics secrity identifies yo throgh the logarithmic vales of yor fingerprints; yor fingerprints are never stored. If yo are in the area, please stop-in and see or new office. The hors are: Monday-Thrsday...9:00 a.m. - 5:00 p.m. Friday...9:00 a.m. - 6:00 p.m. Satrday...9:00 a.m. - 2:00 p.m. *The ATMs do not accept cash deposits. To make a cash deposit, please visit dring office hors or drop yor deposit into the night depositories (located next to each ATM). Call for Candidates We are seeking volnteers for three (3) Board of Director positions. To learn how yo can become a Board of Director candidate, call Angela Bachmann at: ext Completed applications are de by 5:00 p.m. on Friday, October 12, *Candidates mst be a General Electric Federal Credit Union member in good standing and at least 18 years of age. For example: Transfer $600 from a non-gefcu credit card, and receive 1,200 points or, make a prchase of $220 and receive 440 points! To redeem yor CURewards points, visit or website at: and click on Prodcts and Services, then on Credit Cards, and then click on the VISA Platinm link to CURewards. Make all of yor holiday prchases with a GEFCU VISA Platinm card and earn doble rewards on net prchases. By presents for friends and family and reward yorself with doble points! -- Don t have a VISA Platinm credit card? -- Or VISA Platinm credit card offers a fixed, low rate. This is not a teaser introdctory rate, it s really this low all the time. Pls, there s no annal fee, no charge to transfer balances, and no niversal defalt rate. And, yo can reward yorself with premim merchandise or travel rewards throgh CURewards! 8.99% APR* Apply Today! Go online anytime at: and click on Apply Call the phone loan center at: or , Monday - Friday from 8:00 a.m. - 7:00 p.m. and Satrday from 9:00 a.m. - 2:00 p.m. Contact a Member Service Representative to reqest an application to be mailed: or or by to: Visit yor local GEFCU office *Upon approved credit. APR = Annal Percentage Rate. CURewards: Every dollar in qalifying prchases, net of retrns, member charges to their Platinm credit card accont eligible in this rewards program earns one point. Points will expire after five years, no points will be available on bsiness cards or if participant is in any accont violation with s. Maximm points earned per calendar year is 250,000. For frther program rles and conditions, refer to the CURewards disclosre inclded with yor VISA Platinm card or visit or website at: From October 1, 2007 throgh Febrary 1, 2008, yo will receive doble points for every qalifying, net prchase or balance transfer. Offer valid p to credit limit. Existing GEFCU loan or credit card balances do not qalify for the special doble point offer. Platinm card: 8.99% APR is a fixed rate. All APRs may increase to a fixed Defalt Rate of 15.00% APR anytime yo exceed 55 days delinqent or exceed yor credit line. Defalt APRs will be effective starting the billing period immediately after the occrrence of either of the specified events. The Defalt APRs may decrease to the original, non-defalt APRs if the accont remains occrrence free for a period of six (6) straight months. Dring any Defalt period, CURewards points will not be rewarded and any existing points will be sspended. Existing CURewards points will be reinstated if the accont remains occrrence free for a period of six (6) straight months. Other card plans are available. GEFCU is an eqal opportnity lender. Contact GEFCU for details.

3 Bsiness Lending Options Available Do yo have a bsiness idea? Perhaps yo already own a bsiness and are thinking of expanding? Either way, trn to s for any bsiness lending needs. Commercial real estate Franchise prchases Bsiness vehicle loans Medical eqipment prchases 11 th Annal Cnningham Scholarship For the past 10 years, we have assisted many stdents with their edcation throgh or Robert A. Cnningham Memorial Scholarship. We again, are pleased to offer this scholarship to gradating, collegebond high school seniors. Robert A. Cnningham served as a volnteer on the Board of Directors for 30 years. He was very passionate abot volnteering and helping edcate yong adlts. Mr. Cnningham was not only a dedicated member, bt also a friend. It is in his memory that we offer this scholarship. This scholarship recognizes five otstanding high school seniors who portray the spirit of volnteerism. Each of the recipients will receive a one-time award of $2,000; for a total of $10,000 in annal scholarships. Applicants mst meet the following gidelines: College-bond high school senior with a strong academic record. Member of GEFCU with his or her own accont. College-bond high school senior involved in volnteer activities. Robert A. Cnningham SBA loans Start-p companies Consolidate bsiness debt And, mch more! Or bsiness lending professionals goal is to help yor bsiness scceed. We offer: Simple loan processes Great rates Low closing costs No pre-payment penalties Qick approvals And, mch more! Thinking abot a bsiness loan or looking to refinance one yo already have? Call or professionals today. Tim Ballinger: s Neil Peterson: We can help with yor bsiness lending needs! Interested applicants mst sbmit: A completed application along with an essay. Two letters of recommendation. An official copy of his or her high school transcripts. Applications mst be received no later than Wednesday, Janary 9, Applications may be obtained by: Visiting or website: click on Abot and then Crrent Promotions. Calling Member Services at: or Reqesting one by at: Stopping-by yor local credit nion office. Seeing yor high school gidance conselor. A scholarship committee will review each application. Interviewing and recipient selection will take place in Febrary and March Applicants will be notified of their reslts by mail. Premim FREE Checking Or Premim FREE Checking accont offers yo one of the highest checking accont rates arond and has great additional benefits: APY % for balances $10,000 - $24, % APY 1 for balances $25,000 and above 3 Tiered premim dividend rates; earn a higher rate with a higher balance 3 No monthly fee no matter what yor balance is 3 FREE convenience services sch as: Online Banking, E-Statements, and Web BillPay 2 3 FREE 3x5 or 5x5 safe deposit box rental for the first year 3 Pls, with or Premim FREE Checking accont, yo ll also receive: 3 A CashPl$ ATM/Debit MasterCard with NO annal fee 3 Yor choice of one of or NO annal fee, reward-earning credit cards: VISA Platinm with travel or merchandise rewards or or VISA Gold with cash back rewards Open yor Premim FREE Checking accont today! Visit any office location Go to or website: click on Prodcts and Services, and then Checking Contact s at: / or s at: 1 APY = Annal Percentage Yield. There is a $10,000 minimm at accont opening. If the balance falls below $10,000 any day dring the month, there will be no dividends paid on that day. The dividend rate and Annal Percentage Yield that corresponds to the applicable deposit tier is paid on the fll balance in the accont. The dividend rates and annal percentage yield may change at anytime. Dividends will be calclated daily and credited to yor accont monthly. 2 Web BillPay is free to all members who are signed-p for or FREE E-Statement service. If, however, yo nsbscribe from E-Statements - or choose not to be an E-Statement sbscriber - yo ll be charged $4.95/month. 3 Offer valid on a first come, first serve basis; while spplies last. This offer cannot be sed in conjnction with other certificates, copons, or special offers. Contact GEFCU for pricing information.

4 What Wold Yo Rather Be Doing? Doesn t se Web BillPay... Woldn t yo rather be spending yor time doing something other than paying bills? With Web BillPay, yo can! Web BillPay allows yo to pay yor bills at a fraction of the time. Yo won t have to spend the time writing and signing checks and traveling to the post office; with jst a few clicks of the mose, yo can pay yor bills and enjoy the rest of yor time! Uses Web BillPay... In addition to saving yo time, Web BillPay: Saves yo money on stamps, envelopes, and checks Garantees yor online payments arrive on time; no more late fees Provides more secrity than yor payments sent throgh the mail Spend yor time doing something fn... sign-p for Web BillPay today! Start Today: Web BillPay is accessed throgh Online Banking (Yo mst first be an Online Banking ser and have a GEFCU checking accont; it s free and easy to sign-p at: Web BillPay withdraws the payments yo make from yor GEFCU checking accont. Get it for FREE!* If yo elect to receive FREE E-Statements rather than paper statements, yo ll have free access to this fantastic service. *Web BillPay is FREE for all members who are signed-p for or FREE E-Statement service. If, however, yo nsbscribe from E-Statements - or choose not to be an E-Statement sbscriber - yo will be charged $4.95/month for nlimited sage. To sign-p for E-Statements, log-in to Online Banking, mose over Services, and click on E-Statements. Legal Assistance Yo Can Trst At some point in yor life, yo will need legal assistance. Whether yo are planning yor estate, drawing p a will, or even adopting a child, an attorney s services are invalable. Having the name and nmber of a good attorney, before the need for one arises, will help prepare yo for a time when legal assistance is necessary. The law firm of Statman, Harris, and Eyrich is available in the Financial Mall at or Reading Road office, to meet yor legal needs and serve yor best interests. Legal Services provides all members assistance with: Estate planning and administration Wills, trsts, and living trsts Personal injry and civil litigation Medical malpractice and wrongfl death Divorce/dissoltion Child cstody/spport isses Additional services available Stop-by or Financial Mall and speak with the professionals of Legal Services or contact them at: to make an appointment. For additional information, visit or website at: mose over Prodcts and Services and click on Legal Services. Legal Services is provided throgh CUSO Corp. a credit nion service organization wholly owned by General Electric Evendale Employees Federal Credit Union and is located in the Credit Union s Reading Road office. Legal Services is made p of attorneys from the Cincinnati law firm Statman, Harris, and Eyrich. Condensed Financial Statement Nmber of Members...54,592 Loans... $464,552,989 Shares... $570,382,522 Assets... $723,984,021 Ending Agst 31, 2007 Main Office Reading Road Cincinnati, OH or Main Office Hors Mon - Thrs: 9:00 a.m. - 5:00 p.m. Fri: 9:00 a.m. - 6:00 p.m. Sat: 9:00 a.m. - 2:00 p.m. Please contact s or visit or website for other locations and hors. Financial Mall Reading Road Cincinnati, OH Mon - Fri: 9:00 a.m. - 5:00 p.m. Sorceline or Website hor Credit Cardholder Service Phone: For Lost or Stolen Credit Cards Phone: For Lost or Stolen Debit/ATM Cards* Phone: *Call GEFCU dring reglar bsiness hors to report a lost or stolen debit/atm card. Please se this nmber dring non-bsiness hors. Bright Horizons is pblished monthly by General Electric Evendale Employees Federal Credit Union for its members. Availability, terms and rates of services are crrent at press-time; however, they are sbject to change as determined by the credit nion Board of Directors withot prior notice. Qestions abot the newsletter shold be directed to the Marketing department at: The Credit Union is federally insred by National Credit Union Administration. We do bsiness in accordance with the Federal Fair Hosing Law and the Eqal Credit Opportnity Act. Printed on recyclable paper.

5 General Electric Evendale Employees Federal Credit Union Fee Schedle Effective: October 1, 2007 Any fees charged against a member s accont(s) will redce the APY. When yo se an ATM not owned by s, yo may be charged a fee by the ATM operator or any network sed and yo may be charged a fee for a balance inqiry even if yo do not complete a fnd transfer. There are no charges levied against any of or acconts other than what is listed below. Each item is qoted on a per item basis. Share/Share Draft Fees ACH/Draft Stop Payment $25.00 Non-Sfficient Fnds - ACH, Draft, and ATM $30.00 Non-Sfficient Fnds - Exceeding Reg. D Transfers Limit $30.00 Uncollectible Deposit $10.00 Copy of Drafts $1.50 Check Printing (Fee Depends on Style of Check) Minimm $13.00 per 150 Money Market Check Printing $5.50 per 30 Certified Checks $4.00 ATM Withdrawal - Otside of Network $.75 ATM Withdrawal - Inside of Network $.50 Non-Member ATM Srcharge Fee $1.50 Inactive Share Accont $3.00/Month Inactive Share Draft Accont $3.00/Month Consmer Loan Fees Loan Payment Processing Convenience: Processing loan payments with non-general Electric Evendale Employees Federal Credit Union debit/credit card $3.00 Overdraft Loan Advance:* Created by check, in-person withdrawal, ATM/Debit transaction, ACH, or other electronic means $1.25/Advance Overdraft Protection Payment Late Charge: Occrs when payment is more than 15 days late $8.00 Change of Terms $25.00 Title Filing Fee varies by state. Retrned Item Charge: A loan payment, from another financial instittion, that is retrned to s npaid $25.00 Late Consmer Loan Payment $30.00 Miscellaneos Fees Money Order $1.00 Traveler s Cheqes 1% of Amont Wire Transfer Fee International $35.00 Domestic $15.00 Garnishment Processing $25.00 Replacement ATM/Debit/Credit Card Charge $5.00/Card Web BillPay (FREE with E-Statements) $4.95/Month Accont Printots $1.00 Statement Copy - Crrent and Previos Year $2.00 Statement Copy - Prior to Previos Year $3.00 Accont Research (Minimm One Hor Charge) $15.00/Hor *This fee can be avoided by self-transferring the fnds throgh Online Banking. Fees in bold are either new or are being pdated.

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