Credit Line 1.99% APR ** The GER WE HAVE THE KEY NEW USED REFINANCED BETTER BUDGETING WELCOME TO... NO PAYMENT DUE FOR 60 DAYS* FEATURED PRODUCT

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1 The Credit Line SPRING 2013 FEATURED PRODUCT WHEN IT COMES TO BETTER BUDGETING GNO has the solution! WE HAVE THE KEY NEW USED REFINANCED Whether it s your first auto loan or your 10 th, GNO can help get those wheels turning. Shopping for an auto loan can be time consuming and a little frustrating, but once you know the formula, you ll be set to save money on car financing for life. More on Page 5... WELCOME TO... Factory Service Agency, Inc. Diagnostic Imaging Services Stress Engineering Services, Inc. Hilton Garden Inn New Orleans French Quarter/CBD Hyatt French Quarter N. O. Ramm Construction Group National WW II Museum We look forward to sharing the wonderful world of credit union membership with your employees! One of the most important steps is asking a GNO Account Officer to pre-approve you for an auto loan. This way you can bargain for a dealer discount based on a cash sale. GER Stop in today and we ll help with all your auto financing needs. NO PAYMENT DUE FOR 60 DAYS* Vehicle financing for up to 24 months as low as 1.99% APR ** * LImited time offer available April 15 through June 28, **APR=Annual Percentage Rate. Approval and terms are based on member s credit and ability to repay. Limited time offer. 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 $84.23.

2 A Message from your Credit Union President/CEO BETTER BANKING The Direct Line from Janet L. Sanders, President/CEO All of us who are employed at the credit union are especially proud to work in a service environment that allows us to help others achieve their financial goals. And although we are a financial institution and are required to track and report a lot of financial data and details, the real business of the credit union is not just about money; it s about people; it s about you, our members. Of course, keeping our members money safe and secure is a critical part of what we do and we certainly need to focus on that daily. However, helping our members achieve their financial goals is the truly rewarding part of our job. It is very satisfying to know that each day we help our members in many ways: to deliver a dream they may have to send their children to college, to buy that shiny new vehicle to drive to work, to buy the home that they have dreamed about for so long, or perhaps, just to help a member refinance their debts to help them save money and be in a stronger financial position. Whatever our members need, we help them daily and are thankful when we arrive each day at our workplace that we have the opportunity and honor to help others. The credit union motto, People Helping People, which was developed over a hundred years ago when credit unions were established, is still alive and well at GNO. And I am proud to say that those of us who work in the credit union industry honor that motto every day. In the last few years, the credit union has completed many major projects and I want to thank my staff for their unyielding focus and determination in accomplishing those projects. Some of the projects completed in 2012 included the successful conversion of our credit card portfolio, which eliminated our outside vendor and brought the credit cards in-house for improved convenience and functionality for members. We also converted our Home Banking platform and redesigned our web site to offer better access, as well as the ability to provide mobile banking for both Androids and iphones. The Home Banking platform also includes a new tool, called Personal Financial Management or PFM. PFM allows members to aggregate all of their financial accounts at other financial institutions into one platform to perform budgeting and analysis. It includes graphics and various metrics that all depict the details of a member s own personal financial situation. And to add a little fun to the process, our creative marketing department developed a cute mascot for the PFM product by combining the words GNO and ME, which spelled out is GNOME. This new mascot will be rolled out with the Personal Financial Management program in April when it goes live for member use. The old adage, Nothing worth having comes easy reflects the kind of financial environment that we are operating in today. Times are difficult for many of our members and it s just not the easy, lucrative days of yore for the credit union. Fortunately your credit union has a strong management team and dedicated employees who continue to make significant improvements in the credit union s operational infrastructure, all while finding ways to reduce expenses, yet improve products and services. We work tirelessly to bring you a better credit union by striving to implement improvements year after year. Today s financial environment is certainly a challenge, however that challenge is what keeps us striving for better and more creative ways to offer our products and services to our members. Despite the many challenges faced by both our members and the credit union, GNO remains strong and stable, and we will continue to work diligently on your behalf all through the year. Thank you for being our loyal members. It is a pleasure to have the opportunity to serve you. Please call on us whenever you need our assistance. We are here for you! Janet L. Sanders CCUE, CUCE GNO FCU President/CEO

3 IS HOME OWNERSHIP IN YOUR FIELD OF DREAMS? GNO & FHA may be able to make your dream a reality. Here are some of the benefits/features of an FHA Loan: As little as 3.5% down is needed to apply 15- and 30- year fixed rate mortgages are available Credit Score of at least 620 With the addition of our newest mortgage product -- FHA Loans -- members have another loan option to purchase or refinance their home. GNO now originates this type of loan backed by the FHA (Federal Housing Administration) so you can provide a lower down payment and have lower closing costs. And, if your credit is less than perfect, don t be discouraged. It s usually easier to qualify for an FHA loan than conventional mortgage products. Gift funds from parents or other family members can be used toward down payment & closing costs Loan is insured by the Federal Housing Administration Non-traditional credit can be accepted provided there are no late payment in the last 12 months (rental payments, utility bills, telephone/mobile services, etc.) MORTGAGE CENTER Online Applications AVAILABLE Applying online in as little as 20 minutes at gnofcu.com s Mortgage Center is as easy as 1-2-3! 1. Click on the Mortgage Rates Box (Apply Now) on our Home Page at & complete the application. 2. When you have completed the application, click submit and your information will be reviewed for instant online approval. That s it! 3. A GNO Mortgage Specialist will follow up to answer your questions as soon as possible. MOBILE BANKING IS HERE account access 24/7 at your fingertips Attention: iphone & Android Users Free apps at App Store or Google Play It s official! Mobile Banking is here! Now you ll be able to stay on top of your account activity no matter where you are with your iphone, Android, ipad or tablet. The first step is to sign up for Home Banking at gnofcu.com. With the log-in you create there, you will be able to access your Mobile Banking. All you need to do next is to go to the App Store or Google Play for your FREE app! 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 where ever you are Transfer money between accounts when you need it Now you can access your account anytime, anywhere with our GNO on the GO services including our Audio Response Teller, Communique ; Mobile Banking; Home Banking; over 5,000 credit union service centers nationwide.

4 The Housing Market is Up Need financing for a 1st Mortgage or to Refinance your current home? Apply Online at gnofcu.com FINANCIAL EDUCATION Understanding Credit Historically low rates Anytime, anywhere Streamlined app process Online loan decisions Response in 20 minutes Detailed cost information Calculators Thursday, May 2, :00 PM For a limited time only... Our Rates are Down FREE FREE FREE * Cash Deposit $100 on funded mortgage loans For more info, call or *Limited Time Offer Available April 15 through June 28, They REFINANCED... Now they re on the road to extra savings & lower interest rates. You can be too! Apply online & start saving today! Qualified Borrowers Guaranteed Discount of Mid-City Branch 2812 Canal Street New Orleans RSVP by 4/29 to in order to receive a copy of your current credit report YOU LL GET ADVICE ON: Improving & managing credit Building a good credit history Selecting the right credit card How to read your credit report How your score influences your lending opportunities And so much more! 2.00% ** NO PAYMENT DUE FOR 60 DAYS *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. **As low as 1.99% Annual Percentage Rate. A Golden t ni u t or p p O y

5 WHEN IT COMES TO BETTER BUDGETING There s No Place Like... 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 any day now with your very own online Personal Financial Manager -- GNO & Me -- or as we like to call it -- GNOME! The first step is to simply sign-up for Home Banking and then you ll be able to turn your budgeting process into -- Better Budgeting! 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 and manage your banking activities right from your phone If it ain t FIXED We have two questions for you. Are you carrying a bank card that s not FIXED? Is your card rate over 18.00%? If you answered yes to either or both, you need to take a closer look at our FIXED RATE Platinum Cards available with rates as low as: it s BROKEN! 6.99% APR * and never higher than 18.00%. ALL GNO FIXED Rate VISA Credit Cards offer: 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 * 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. TRAVELING ABROAD? Let us know before you go! Call us the week before you leave. WHY? Because your VISA could be frozen if used outside of your normal range of travel for suspicion of fraud. Advise us of your destinations and your return date so we can assure you have full use of your credit card throughout your travels. Bon Voyage!

6 H WHAT FUN IT WAS One of the most fun and rewarding activities of the holidays is the act of giving! That s why we asked our business partners to join in the festivities as we helped Ozanam Inn get ready for the season. GNO has been a supporter of Ozanam Inn for over 20 years and we were thrilled with the participation we received from several of our business partners who collected donated materials for the men and women who stayed at the Inn during the past winter season. Thanks to all involved for their expressions of goodwill! We are looking forward to more partnership projects in 2013! 2013 HOLIDAYS CLOSINGS & EVENTS FREE EDUCATION SEMINAR Mid-City Branch Understanding Credit 6:00 PM - Thursday, May 2 MEMORIAL DAY Closed - Monday, May 27 INDEPENDENCE DAY Closed - Thursday, July 4 THANKS to ALL! GNO & Ozanam Inn Staff Our Friends from Coface Collections CONTACT INFO Main Office Mid-City Downtown Northshore Westbank 3105 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 Brian Reboul and Associates Our Goodwill Ambassadors from GJTBS Professional Law Corporation 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 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 Department 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. Over 5,000 GNO Locations Nationwide Just look for the CUSC Swirl! Federally insured by the National Credit Union Administration. LIKE US ON FACEBOOK