LINE. Set a New Course. Break FREE from Payday Loans with GNO Safety Net Solutions. 1st Quarter our GNOFCU Member Publication

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1 our GNOFCU Member Publication THE CREDIT LINE Set a New Course Break FREE from Payday Loans with GNO Safety Net Solutions GNO s Safety Net Solutions is the smart alternative to escape the risk and burdens of payday lending. We can help you address important issues like where to cut expenses, how to consolidate your debt and how to become a good borrower and saver. Step 1: Safety Net Advance This provides you with manageable payroll advances and a low interest rate. Step 2: Safety Net Savings An automatic special savings account, tied to your Safety Net Advance, earns interest -creating good savings habits. Step 3: Safety Net resolution This last step in Safety Net Solutions is your key to financial freedom! Further improve your credit by borrowing up to $2000 and establish a checking account to assist you in becoming a GNO member in good standing! BREAK FREE! Give us call TODAY! st Quarter 2015

2 Love your savings. Everyone is looking for ways to save money, and that s just what Love My Credit Union Rewards is all about. GNO is excited to offer our members exclusive discounts and benefits on every day products and services. Credit union members have already saved over $1 billion with Love My Credit Union Rewards discounts. So along with lower loan rates and fewer fees, here s another way you can save even more. The more offers you take advantage of, the more you save. Start saving today at LoveMyCreditUnion.org. Exclusive discounted pricing on most new Chevy, Buick, or GMC vehicles with the Credit Union Member Discount from GM Save 10% on select regularly priced Sprint monthly service; businesses save 15% on select regularly priced Sprint monthly service. Plus, waived activation and upgrade fees (up to $36 savings for each) Savings of up to 50% off other popular plans from Credit Union Auto Club Save up to $15 on TurboTax Federal tax products Save on services for your home from ADT, DIRECTV, Allied, & more Earn cash back when you shop at over 1,500 online retailers with Love to Shop Budget Wisely in 2015 Sign up for GNO&ME Set a goal and you could win up to $1,000 IT S GREAT TO ACHIEVE A GOAL! And even better to have it pay off! START 2015 WITH A BUDGET AND A PLAN! If you aren t using GNO&ME, now s the perfect time to begin! Sign-up for Home Banking first and then follow the steps to begin using your personal financial manager tool - GNO&ME. Look at all you can do with GNO&ME: View all your accounts in one place- regardless of where your accounts are Create tags to categorize & monitor your spending Set financial goals Check account balances & manage your banking activities Create your goal in GNO&ME by February 28, 2015, to be eligible to win $1,000! Simply click on the rotating banner on our gnofcu.com home page for all the details and contest guidelines. Make checking-in on your goals with GNO&ME a part of your money management routine and work with your personal spending plans to reach those goals.

3 Senior Moment Enola M. Fee Scholarship Deadline Approaching $1,000 Scholarship Prize Do you know a graduating high school senior who might be interested in an extra $1000 for educational expenses at a 4 or 2 year undergraduate program or vocational school? WE BET YOU DO! Tell them about our Enola M. Fee $1,000 Scholarship Program. You can download our Scholarship Application and Requirements Checklist at under Additional Services; Scholarship. Application and all required materials must be submitted via mail, , or delivery at one of our branches no later than March 20, Winners will be notified by April 17, 2015, in time for graduation. Mobile App & Mobile Texts for Mobile Members Check your balance, transfer money, and make payments anytime, anywhere using your smartphone. Our FREE mobile app allows you to do all this when and where it s convenient for you. Also sign up to receive mobile texts alerting you to low account balances and loan payment due dates with GNO s Home Banking. CHECK BALANCE TRANSFER MONEY MAKE PAYMENTS

4 Go Green with Personal Finances Making sure your money is where it s supposed to be, when it s supposed to be there, is getting simpler all the time with Home Banking. FREE Home Banking services allow you to safely monitor your money, move your money, and even keep more of your money by taking advantage of timely offers sent to our users via . Check balances & view statements Monitor for unauthorized transactions Reduce paperwork Sign up for FREE ebillpay for GNO Checking Order your GNO Checks online Transfer money between accounts electronically Opt for paperless statements & save $2.00 a month Create your GNO&ME Personal Budget Set-up account alerts Secure messaging Go Green TODAY! Sign-up for estatements and after 3 months of paperless statements, we will fund your account $5.00! Important Member Notification Fee Changes Effective March 1, 2015 A necessary component of credit union income is our fee structure. In today s economic climate, in order for GNO to grow and still offer the services we currently do, some fee changes are necessary. We will continue to analyze our offerings and look for ways to reduce expenses and increase efficiencies in addition to our fee structure. Remember, many fees can be avoided by using available technology and also by carefully monitoring your account activity. The fees noted to the right will be effective March 1, $8 Reg D Excessive Electronic Withdrawal from Savings $15 Christmas & Summer Saving Club Early Withdrawal $8 Checking Account Maintenance on Accounts < $600 $10 Checking Account Maintenance on Accounts < $400 $2 Monthly Statement Fee Without estatements $15 Individual Retirement Account Annual Maintenance $5 Extended Negative Savings/Checking Balance > 7 Days $80 Skip a Payment Annual Participation for 2 Skips per Year $10 Dormancy Monthly Fee > 1 Year < $200 Balance $10 Returned Mail $2 Telephone Transfer $10 Account Close $20 Account Closed Within 3 Months of Opening $20 Individual Retirement Account Transfer Out or Close $15 Credit Card Payment Processing $8 Overdraft Transfer from Savings $35 Courtesy Pay for Paying a Non-Sufficient Item

5 WIN Yearround with a GNO Visa Whether you already have a GNO Visa Card or you are thinking about opening one, you ll be paying it smart! Our low rates and attractive features make everyone a winner! Rates as low as 6.% APR * No Annual Fees No Balance Transfer Fees No Over-the-Credit Limit Fees No Hidden Rate Increases No Minimum Interest Charges pay it WIN up to $1,000 in card payments Now through March 15, become eligible for our GRAND PRIZE DRAWINGS: Transfer a balance of $5,000 or more and you could WIN $1,000 towards your GNO Visa Card Payment OR transfer $1,000 to $4,9 and you could be the winner of $500 in card payments *APR=Annual Percentage Rate. Rates not to exceed 18.00% APR. Rates subject to credit worthiness. Official Contest Guidelines available at Current GNO Visa credit card/loan balances are not eligible for transfer.

6 refinance refresh Qualified refinance borrowers receive a discount of at least 2.00% OFF your rate with another lender as low as 1.% APR * new, used, refinanced VEHICLE LOANS RATES AS LOW AS 1.% APR * *APR=Annual Percentage Rate. Approval, rate & terms are based on member s credit & ability to repay. Rates subject to change. Payroll deduction/direct deposit discount of.25% included in advertised rate. Loan example: $20,000 borrowed at 1.% APR for 48 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. One-time $35.00 processing fee will assessed upon funding. Contact Information Holiday Calendar Mardi Gras Closings Sat 2/14 - Mid City Branch Closed Tues 2/17 - ALL Branches Closed Good Friday Fri 4/3 - All Branches Closed Toll-free in LA: Toll-fee outside of LA: /7 Call Center/Loan Line COMMUNIQUE 24-HOUR ACCOUNT ACCESS LINE NATIONWIDE CO-OP SHARED BRANCH NETWORK Federally insured by the NCUA METAIRIE 3105 Lime St MID-CITY NOLA 2812 Canal St WESTBANK HARVEY 2731Manhattan Blvd. Ste. A