Home Loans Made Easy!

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1 FEDERAL CREDIT UNION The quarterly newsletter of RiverLand Federal Credit Union April 2015 Home Loans Made Easy! Purchases, Refinances, and Home Equity Loans Take Advantage of Today s Low Rates! Whether you re buying, refinancing to save money, or cashing in on built-up equity, mortgage rates are incredibly low. Now is the best time to lock in a low rate before rates begin to rise! Purchase Finding the right home, and the right mortgage, helps set a solid foundation for successful homeownership. We have the mortgage tools, information, and expertise to help you with the decisions you need to make along the way. Refinance Refinancing your mortgage is a way to potentially lower your interest rate and monthly payments. You may even shorten your term and pay off your mortgage early, saving thousands of dollars. A RiverLand refinanced mortgage has many advantages that make it one of the most appealing options available. Home loans are provided by a partnership with CU Members Mortgage, a division of Colonial Savings F. A. NMLS HOME EQUITY LOANS As low as 3.50% APR* While rates are low, you can cash in on the equity gained from rising home values. Find out how you can economically exchange built-up equity for cash with a second mortgage or home equity line of credit (HELOC). Great low rates as low as below Wall Street Journal Prime * Credit limits up to $200,000 Affordable payments amortized over 15 years Low closing costs * No application fees Fast turnaround * Percentage Rate (APR) is variable and may change quarterly. APR will be based on the published Wall Street Journal Prime and may vary according to combined loan to value and borrowers credit score. A rate reduction will apply if borrowers make qualified automated payments. Your APR will never be less than 3.50% or exceed 18% or the maximum allowed by law. RiverLand shall pay customary closing costs excluding parish/county assessed documentation fees or a borrower-elected certified appraisal. Loan cancellation within the first 36 months may result in the repayment of credit union paid closing costs. Tax-deductible interest may vary based on your financial situation; consult your tax advisor. Minimum initial draw is $2,500 or as determined by state law. Property must be owner-occupied. If the borrower is not a member, a $1 fee is required to join the credit union. Restrictions and limitations apply. Call for details. Home values are rising, refinance rates are still low, and we are approving mortgages call today to get prequalified for one of our great, low-rate mortgage options! x RCU(728)x2

2 PASSWORD PROTECTION How Strong is Strong Enough? Wouldn t it be great if we could just press a button on our computer keyboard to secure our electronic information? Unfortunately, we can t, and our growing reliance on conducting business online and from various electronic devices requires us to create strong passwords. Strategies for a Strong Password The first step in making a password secure is to memorize it and not have it written or electronically saved anywhere. If a password is recorded only in your head, it can t be stolen. To make memorization easier, select a password that is meaningful only to you, like a favorite old movie, a hobby, or a memorable event. Then work it into an acronym or sentence that you can manipulate so that it s unique to you and difficult to hack but easy for you to remember. Once you think you ve achieved the perfect password, go a step further and test your password creation skills by visiting one of the many secure password-testing websites. In addition, try to change your passwords at least every 90 days, and when you leave a website, don t X out log out! Strong passwords are the key to keeping your account and sensitive financial information secure. Stay creative and vigilant so you don t become vulnerable. MAKE A SENTENCE 1 Something only you know and can remember: My 23rd birthday was the best ever! 2 Remove excess words and spaces and capitalize selected letters: my23bdaywas#1 3 Phonetically spell out words and add special characters: mi23bdaywz#1! At RiverLand, we do everything we can to safeguard your account information. However, when using an ATM, Mobile Banking, TONEY or Online Banking YOU PLAY THE MOST IMPORTANT ROLE IN KEEPING YOUR PASSWORDS SAFE! How Fast Can Your Password Be Cracked? Length Top Worst Passwords of password baseball dragon qwerty football Lowercase Uppercase Numbers & Letters Only Letters Symbols 6 18 Minutes Hours 7 23 Hours ,530 Months For more tips on account safety, visit our Fraud Awareness Center under the Member Resources tab at.

3 VEHICLE 1.99 rates as low as LOAN S %APR * with automated payments Cars, trucks, & SUVs 3.99 New, Used, & Refinanced Vehicles No Payments for 3 Months No Money Down Up to 60-Month Terms * % If you have a vehicle currently financed elsewhere, we rates as may be able to refinance your loan and reduce your rate! low as Depending on your loan balance, rate, and remaining APR * term, you could save hundreds, maybe even thousands, with automated payments of dollars and put your saved cash to good use elsewhere. And, if your vehicle is paid for and you own it, you may But hurry and apply today, these great offers end soon! boats, qualify to refinance it at our low rate and use the funds for motorcycles, x2 RVs, ATVs, RCU(728)x2 tractors, wet bikes, & more whatever you choose! Apply Today! x RCU(728)x2 *APR= Percentage Rate. As low as rates are subject to borrower s credit history, repayment term, and collateral. These rates are available for a limited time to qualifying borrowers on specified collateral loans with qualified automated payments and may increase if qualified automated payments cease. Monthly payment examples per $1,000 borrowed: 1.99% APR=60 payments of $17.52 and 3.99% APR=60 payments of $18.1. Refinancing excludes current RiverLand loans. Rates are subject to change without notice. Restrictions and limitations apply. Call for details.

4 Briefs PASSWORD PROTECTION How Strong is Strong Enough? Be Sure to Update Your Beneficiary Instructions FRESH START Wouldn t it be great if we could just press a button on our computer keyboard to secure our electronic information? Unfortunately, we can t, and our growing reliance on conducting business online and from various electronic devices requires us to create strong passwords. Strategies for a Strong Password The first step in making a password secure is to memorize it and not have it written or electronically saved anywhere. If a password is recorded only in your head, it can t be stolen. To make memorization easier, select a password that is meaningful only to you, like a favorite old movie, a hobby, or a memorable event. Then work it into an acronym or sentence that you can manipulate so that it s unique to you and difficult to hack but easy for you to remember. Once you think you ve achieved the perfect password, go a step further and test your password creation skills by visiting one of the many secure password-testing websites. In addition, try to change your passwords at least every 90 days, and when you leave a website, don t X out log out! Strong passwords are the key to keeping your account and sensitive financial information secure. Stay creative and vigilant so you don t become vulnerable. MAKE A SENTENCE 1 Something only you know and can remember: My 23rd birthday was the best ever! 2 Remove excess words and spaces and capitalize selected letters: my23bdaywas#1 3 Phonetically spell out words and add special characters: mi23bdaywz#1! At RiverLand, we do everything we can to safeguard your account information. However, when using an ATM, Mobile Banking, TONEY or Online Banking YOU PLAY THE MOST IMPORTANT ROLE IN KEEPING YOUR PASSWORDS SAFE! CHECKING The account designed to help you re-establish a checking account! Occasionally things happen in life beyond your control. Regardless of how they happened, you may have had trouble in the past and now are finding it difficult to establish a checking account. Here at RiverLand, we believe you deserve a Fresh Start and want you to have access to your money without the hassle of dealing with money orders and expensive prepaid debit cards! Top Worst Pass words of password qwerty baseball dragon football Our Fresh Start Checking provides you with a second chance, allowing you to improve your account history and start a path to financial freedom. m/splashid/worst-p asswords/ Fresh Start Checking Features: An EZ way to re-establish a checking account Just $ monthly fee with Direct Deposit How Fast Can Your Password Be Cracked? Length Lowercase Uppercase Numbers & Letters Only Letters Symbols A low $25 minimum balance requirement ($50 account opening deposit) The convenience of a FREE debit card FREE account access at 75,000+ ATMs and 5,000+ Shared Branches Nationwide Designating a beneficiary is important if you have specific ways you want your RiverLand accounts distributed in the event of your death. If you want to be certain regarding your instructions, you may file a Payable On Death Designation with us. All beneficiary designations made prior to November 201 should be updated by completing a Payable On Death Designation to ensure that the funds are transferred as you intend. You may obtain a blank form online or from one of our offices. Important IRA Rollover Rule Change Effective January 1, 2015, the IRS changed its rollover rule on all IRAs. Now, only one IRA rollover is allowed per 12 months per IRA owner, regardless of the number of or types of IRAs the individual owns. For more information, you can visit Talk About Savings. Say Hello to the RiverLand Federal Credit Union Member Discount. Save % On select, regularly priced, Sprint monthly service. Minutes Hours 18 FREE Online and Mobile Banking with Bill Pay Plus, waived activation and upgrade fees FREE 2-Hour Phone Teller 7 Hours 23 FREE Text RCU and E-Alerts (up to $36 in savings each). Learn more Call: 877.SAVE..CU Visit: Click: LoveMyCreditUnion.org/Sprint 9 Months 178,530 For more tips on account safety, visit our Fraud Awareness Center under the Member Resources tab at. Ready for a Fresh Start? Apply today! x RCU(728)x3 Be sure to mention this code for your discount: NACUC_ZZM. Credit union membership validation is required. Credit approval required. Early Termination Fee (Sprint.com/etf): After 1 days, up to $350/line. IL Discount: Available for eligible company employees or organization members (ongoing verification). Discounts subject to change according to the company s agreement with Sprint and are available upon request for monthly service charges on select plans. Discount only applies to data buy-ups/add-ons for Unlimited, My Way and Framily plans, Talk 50, and primary line on Talk Share 700. Other terms: Offers and coverage not available everywhere or for all phones/networks/plans. Restrictions apply. See store or Sprint.com or 201 Sprint. All rights reserved. Sprint and the logo are trademarks of Sprint. Other marks are the property of their respective owners. MANAGEMENT STAFF MEMBER SERVICES FOR EVERYONE Shared Branching Checking Accounts Checking Accounts With Courtesy Pay Money Market Checking Accounts Debit Cards FREE ATM Services Online Imaged Check Copies Internet Banking Internet Bill-Paying Service Mobile Banking Money Manager Electronic Account Statements Electronic Account Transfers TONEY Audio Response Teller (2 hrs/7 days) Internet Website Direct Deposit & ACH Deposits Phone Withdrawals & Transfers Lifetime & Full Family Membership FOR THE SAVER 6 Eligible to apply for Free Checking after 1-year maintaining your account in Good Standing 888 Savings Accounts Money Market Accounts Certificate Accounts HSAs (Health Savings Accounts) Christmas Club Accounts IRAs (Individual Retirement Accounts) Casualty Coverage Accounts FOR THE BORROWER New & Used Car, Truck, Boat, Motorcycle, RV, & ATV Loans New & Used Car Refinancing Home Equity Loans Home Mortgages MasterCard Accounts (Platinum, Gold, Classic, & Secured) RCAs (Revolving Credit Accounts) Seasonal Loans (low rate/12 months) Signature Loans Consolidation Loans Tuition Loans Savings & Certificate Secured Loans GAP Vehicle Loan Protection Mechanical Repair Coverage for Vehicles Low Cost Credit Life Insurance Low Cost Credit Disability Insurance President/CEO Chief Financial Officer Vice President of Operations Vice President of Marketing Vice President of Lending Vice President of Info Technology Carol L. Irby Lori Lassere-Bourg Rhonda Cubbedge Charmaine Bocage Russo Patricia Unsworth George Lunsford STATISTICS February 2015 $192,878,76 $168,382,559 $165,32,205 13,882 Assets Deposits Loans Members February 201 $185,389,878 $163,183,63 $158,98,500 1,179 CURRENT RATES LOAN RATES Percentage Rate New,Used & Refinanced - Cars, Trucks & SUVs as low as 1.99%** New, Used, & Refinanced - Recreational Vehicles such as Boats, Motorcycles, RVs, ATVs, Motor Homes, & Tractors as low as 3.99%** Home Equity Loans rates as low as prime minus Signature Loans (12 months) 5.99%* Signature Loans (8 months) 7.99%* MasterCards (no annual fee) Platinum 7.90% Fast Loan Approvals Loans-By-Phone Application Processing Secure Internet Application Processing Free New Car Cost Values Online & Fax Free Used Car Values Online & Fax ADDITIONAL SERVICES Wire Transfer of Funds Western Union Wires U.S. Savings Bonds Redemption Official Checks Gift Cards Money Orders TurboTax for the Web Postage Stamps Quarterly Newsletter Courteous, Professional Service INSURANCE SERVICES Free Accidental Death & Dismemberment Insurance Affordable Auto, Home, & Personal Lines MEMBERS Financial Services Main Office RCU (728) 639 Loyola Ave. Suite 220 New Orleans, LA ATM Location 6 a.m. 6 p.m. Entergy Inter-Office Mail Unit L-ENT-RCU Entergy UDC Gretna Office Virgil St. Gretna, LA Jackson Office Echelon Pkwy. Jackson, MS Jefferson Office Jefferson Hwy. Jefferson, LA Morgan City Office David Dr. Suite 7 Morgan City, LA Port Gibson Office Grand Gulf Nuclear Station 7003 Bald Hill Rd. Port Gibson, MS Taft Office Waterford River Rd. Killona, LA a.m. 1:50 p.m. & 2:30 p.m. Mon - Thurs (Closed Fridays) For a complete list of loan rates and terms, call or visit us online. *Loan rates are adjustable and subject to change. ** As low as rate is subject to borrower s credit history, repayment term, and collateral. This rate is available for a limited time to qualifying borrowers with qualified automated payments and may increase if qualified automated payments cease. Example: 60 monthly payments of $17.52 per $1,000 borrowed at 1.99% APR or 60 monthly payments of $18.1 per $1,000 at 3.99% APR. Refinancing excludes current RiverLand loans. Rates are subject to change without notice. Restrictions and limitations apply. Call for details. SHARE (SAVINGS) ACCOUNTS Dividend rates are declared monthly. Earnings are paid on the last day of the month and are compounded monthly. Below are rates paid during the 1st quarter of 2015 on accounts with balances of $5 or more: LOAN SERVICES LOCATIONS, HOURS & PHONES Jan., Feb., & March $5 - $9,999 SHARE APR APY.%.% $,000 or more CHRISTMAS CLUB APR APY INVESTMENT ACCOUNTS Dividend rates on investment accounts are reviewed each Wednesday. Rates shown below were paid March 25, Yields reflect monthly compounding. The minimum balance requirement on most investment accounts is $1,000 (see Truth-in-Savings Disclosure for complete information). TERM/TYPE RATE YIELD 72-month certificate 1.98% 2.00% 60-month certificate 1.69% 1.70% 36-month certificate.99% 1.00% 2-month certificate.8%.85% 18-month certificate.6%.65% 12-month certificate.9%.50% 6-month certificate.3%.35% 3-month certificate Money Market IRA.99% 1.00% Money Market Savings $1,000 and more.39%.0% Money Market Checking.15%.15% HSA 1.9% 1.50% Early withdrawal penalties may apply; see account disclosures. Early withdrawal penalties may apply, see account disclosures. Woodlands Office Grogan s Mill Rd. The Woodlands, TX Shared Branch Locations More than 5,000 Service Centers Nationwide! 888.SITE.COOP ( ) or Mon - Fri Hours: Vary by location Saturday Hours: Vary by location Baton Rouge Hammond Harvey LaPlace Mandeville Metairie Slidell 7018 Siegen Ln W. University Ave Lapalco Blvd. - #5 350 Belle Terre Blvd N. Causeway Blvd. - # Veterans Blvd. - # Gause Blvd. Free ATM Locations more than 75,000 Nationwide Toll Free: 888.SITE.COOP ( ) Website: Loans by Phone & Internet x RCU(728)x2 Website: TONEY Audio Response MasterCard Debit & Credit Card 2 Hours Lost or Stolen Card Declined Card Blocked Card Fax Website HOLIDAY CLOSINGS Year 2015 May 25th July 3rd September 7th November 26th December 2th December 25th Memorial Day Independence Day Labor Day Thanksgiving Day Christmas Eve Christmas Day

5 88 MEMBER SERVICES MANAGEMENT STAFF LOCATIONS, HOURS & PHONES FOR EVERYONE Shared Branching Checking Accounts Checking Accounts With Courtesy Pay Money Market Checking Accounts Debit Cards FREE ATM Services Online Imaged Check Copies Internet Banking Internet Bill-Paying Service Mobile Banking Money Manager Electronic Account Statements Electronic Account Transfers TONEY Audio Response Teller (2 hrs/7 days) Internet Website Direct Deposit & ACH Deposits Phone Withdrawals & Transfers Lifetime & Full Family Membership FOR THE SAVER Savings Accounts Money Market Accounts Certificate Accounts HSAs (Health Savings Accounts) Christmas Club Accounts IRAs (Individual Retirement Accounts) Casualty Coverage Accounts FOR THE BORROWER New & Used Car, Truck, Boat, Motorcycle, RV, & ATV Loans New & Used Car Refinancing Home Equity Loans Home Mortgages MasterCard Accounts (Platinum, Gold, Classic, & Secured) RCAs (Revolving Credit Accounts) Seasonal Loans (low rate/12 months) Signature Loans Consolidation Loans Tuition Loans Savings & Certificate Secured Loans GAP Vehicle Loan Protection Mechanical Repair Coverage for Vehicles Low Cost Credit Life Insurance Low Cost Credit Disability Insurance LOAN SERVICES Fast Loan Approvals Loans-By-Phone Application Processing Secure Internet Application Processing Free New Car Cost Values Online & Fax Free Used Car Values Online & Fax ADDITIONAL SERVICES Wire Transfer of Funds Western Union Wires U.S. Savings Bonds Redemption Official Checks Gift Cards Money Orders TurboTax for the Web Postage Stamps Quarterly Newsletter Courteous, Professional Service INSURANCE SERVICES Free Accidental Death & Dismemberment Insurance Affordable Auto, Home, & Personal Lines MEMBERS Financial Services President/CEO Chief Financial Officer Vice President of Operations Vice President of Marketing Vice President of Lending Vice President of Info Technology CURRENT RATES Early withdrawal penalties may apply; see account disclosures. Early withdrawal penalties may apply, see account disclosures. Carol L. Irby Lori Lassere-Bourg Rhonda Cubbedge Charmaine Bocage Russo Patricia Unsworth George Lunsford February 2015 February 201 Assets $192,878,76 $185,389,878 Deposits $168,382,559 $163,183,63 Loans $165,32,205 $158,98,500 Members 13,882 1,179 LOAN RATES STATISTICS Percentage Rate New,Used & Refinanced - Cars, Trucks & SUVs as low as 1.99% ** New, Used, & Refinanced - Recreational Vehicles such as Boats, Motorcycles, RVs, ATVs, Motor Homes, & Tractors as low as 3.99% ** Home Equity Loans rates as low as prime minus Signature Loans (12 months) 5.99% * Signature Loans (8 months) 7.99% * MasterCards (no annual fee) Platinum 7.90% For a complete list of loan rates and terms, call or visit us online. *Loan rates are adjustable and subject to change. ** As low as rate is subject to borrower s credit history, repayment term, and collateral. This rate is available for a limited time to qualifying borrowers with qualified automated payments and may increase if qualified automated payments cease. Example: 60 monthly payments of $17.52 per $1,000 borrowed at 1.99% APR or 60 monthly payments of $18.1 per $1,000 at 3.99% APR. Refinancing excludes current RiverLand loans. Rates are subject to change without notice. Restrictions and limitations apply. Call for details. SHARE (SAVINGS) ACCOUNTS Dividend rates are declared monthly. Earnings are paid on the last day of the month and are compounded monthly. Below are rates paid during the 1 st quarter of 2015 on accounts with balances of $5 or more: SHARE CHRISTMAS CLUB APR APY APR APY Jan., Feb., & March $5 - $9,999.%.% $,000 or more INVESTMENT ACCOUNTS Dividend rates on investment accounts are reviewed each Wednesday. Rates shown below were paid March 25, Yields reflect monthly compounding. The minimum balance requirement on most investment accounts is $1,000 (see Truth-in-Savings Disclosure for complete information). TERM/TYPE RATE YIELD 72-month certificate 1.98% 2.00% 60-month certificate 1.69% 1.70% 36-month certificate.99% 1.00% 2-month certificate.8%.85% 18-month certificate.6%.65% 12-month certificate.9%.50% 6-month certificate.3%.35% 3-month certificate Money Market IRA.99% 1.00% Money Market Savings $1,000 and more.39%.0% Money Market Checking.15%.15% HSA 1.9% 1.50% Main Office RCU (728) 639 Loyola Ave. Suite 220 New Orleans, LA ATM Location 6 a.m. 6 p.m. Entergy Inter-Office Mail Unit L-ENT-RCU Entergy UDC Gretna Office Virgil St. Gretna, LA Jackson Office Echelon Pkwy. Jackson, MS Jefferson Office Jefferson Hwy. Jefferson, LA Morgan City Office David Dr. Suite 7 Morgan City, LA Port Gibson Office Grand Gulf Nuclear Station 7003 Bald Hill Rd. Port Gibson, MS Taft Office Waterford River Rd. Killona, LA a.m. 1:50 p.m. & 2:30 p.m. Mon - Thurs (Closed Fridays) Woodlands Office Grogan s Mill Rd. The Woodlands, TX Shared Branch Locations More than 5,000 Service Centers Nationwide! 888.SITE.COOP ( ) or Mon - Fri Hours: Vary by location Saturday Hours: Vary by location Baton Rouge 7018 Siegen Ln. Hammond 1115 W. University Ave. Harvey 1530 Lapalco Blvd. - #5 LaPlace 350 Belle Terre Blvd. Mandeville 1291 N. Causeway Blvd. - #3 Metairie 5500 Veterans Blvd. - #0 Slidell 1512 Gause Blvd. Free ATM Locations more than 75,000 Nationwide Toll Free: 888.SITE.COOP ( ) Website: Loans by Phone & Internet x RCU(728)x2 Website: TONEY Audio Response MasterCard Debit & Credit Card 2 Hours Lost or Stolen Card Declined Card Blocked Card Fax Website Year 2015 May 25th July 3rd September 7th November 26th December 2th December 25th HOLIDAY CLOSINGS Memorial Day Independence Day Labor Day Thanksgiving Day Christmas Eve Christmas Day

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