It is easy to enroll, simple to use and works with all Visa cards. It is also free.

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1 January 2015 Veri ied by Visa What is Veri ied by Visa? Shop online with confidence. Help prevent unauthorized card usage with Verified by Visa. more people go with Visa. If you hold a NSWC Federal Credit Union Visa Card or any other credit card, Veri ied by Visa can provide an extra layer of protection for you when you are shopping online. Veri ied by Visa is a security system that tells on-line retailers, credit unions and banks that you are a genuine cardholder when you shop on-line. It allows you to use a personal password to con irm your identity and protect your Visa card when you use your card on the Internet, providing greater reassurance and security. It is easy to enroll, simple to use and works with all Visa cards. It is also free. Get an extra layer of security when you shop online. Log on to to sign up today! 1. Veri ied by Visa protects you at every participating on-line store. 2. When you shop at a participating on-line store, your card will be automatically recognized as protected by Veri ied by Visa. To recognize a Veri ied by Visa store, look for the Veri ied by Visa symbol on the retailer web site. Keep in mind not all merchants participate in Veri ied by Visa. Visa, Veri ied by Visa and 3-D Secure are registered trademarks or trademarks of Visa Inc. in the United States and other countries.

2 Happy New Year! Holiday Closings In observance of the following holidays, the credit union will be closed. For your convenience ATM s, UNO, & ShareNet are available 24 hours, 7 days a week! New Year s Day, Thursday, January 1st, 2015 CLOSED Martin Luther King Jr. Day, Monday, January 19, 2015 CLOSED Holiday Bill Hangover? Apply online at nswcfcu.org for a. APR and pay off those high rate credit cards 7 99 % personal loan Rate may vary depending on individual credit history and underwriting terms. Rate of 7.99% APR applies to applications submitted online at minimum rate is 8.24% APR otherwise. Minimum loan amount $500. Maximum loan amount $30,000. Membership eligibility required. All Credit Union loan programs, rates, terms and conditions apply and are subject to change at any time without notice. Contact the Credit Union for complete details. Important Notice In accordance with Federal Regulations, NSWC Federal Credit Union s Privacy Policy is enclosed with your December Statement. If you receive your statement electronically, a link is available at the bottom of each page on our website. Please take a moment to review this information. This Credit Union is Federally insured by the National Credit Union Administration.

3 Annual Meeting and 2014 Board Nominees The NSWC Federal Credit Union Annual Meeting will be held on April 22, 2015 at 4pm at the King George Citizen Center located at 8076 Kings Highway, King George, VA. The doors will open at 3pm for voting. There are three board seats up for election and the Nomination Committee has received application from five candidates: Jack Bell has been a member of the Credit Union for 28 years and he currently serves on the Supervisory Committee for NSWC Federal Credit Union. He is originally from Kingsgate, England and grew up in Dyersburg, TN. He joined the US Army in 1974 after high school. He transferred to the US NAVY in 1980 and retired as a Senior Chief Fire Controlman with over 21 years of service. Mr. Bell graduated from Excelsior College with a B.S. in Liberal Arts. He is currently employed with the Department of the Navy, NSWC DD. Mr. Bell enjoys spending time with his wife, being a Life Member of the American Numismatic Association, as well as a member of the American Legion and Disable American Veterans. John Wedding has been a member of NSWC Federal Credit Union for 14 years. He served as the Chairman of the Credit Unions Supervisory Committee for almost 10 years and currently serves on the Board of Directors. Mr. Wedding was born and raised in New York, and received a PHD in Physics from Rensselaer Polytechnic Institute in Troy, New York. He currently resides in King George, Virginia with his wife and daughter. Mr. Wedding is active in his church and enjoys spending his spare time with his family and playing music for several groups at church. Jim Ball has been a member of the Credit Union for 52 years. He has served on the Board of Directors for the past 25 years and currently serves as the President of the Board of Directors. He is originally from West Virginia and he graduated from WVU-Institute of Technology with a Bachelors of Science in Mathematics. He currently resides in Spotsylvania, VA and enjoys spending time with his wife of 32 years. Mr. Ball volunteers for the Disabled American Veterans, is an avid golfer and currently serves as President of his homeowner s association. James Venable has been a member of the Credit Union for 18 years, currently serves as the Vice President of the Board of Directors and served on the Supervisory Committee for numerous years. Born in Stuart, VA, he is a graduate of WVU-Institute of Technology with a BSEE and graduated with a MSSE from Virginia Tech in He received a Navy Meritorious Award in 2004 and an Award of Excellence for Program Leadership in He enjoys spending time with his wife and daughter. Additional hobbies include playing golf, fishing and football. Julie Irving has been a member of the Credit Union for 8 years. Julie is self employed and is the owner and manager of Clear Day Health Care Staffing. She is originally a native of the Washington DC area. She attended Radiography School and worked in health care from She attended Old Dominion University to complete a Bachelors of Science in Health Care Management. She serves on several school committees as Program Advisor in Radiography. Julie enjoys spending time with her daughter and her numerous activities. Additional hobbies include camping and traveling. Nominations may also be made on the ballot by petition by the membership. Nominations by petition must be signed by 1% of the membership and be accompanied by a certificate from the nominee or nominees stating that he/she is agreeable to the nomination and will serve if elected. Petitions for nomination must be received by the Board of Directors by March 12, 2015.

4 Try TurboTax Federal Free Edition for Your Simple Return or Save on TurboTax Online Deluxe When it comes to finances, we re all ready for some good news. So how about not only getting the maximum refund you deserve, but also for FREE? As a valued credit union member, you ll find out just how easy your taxes can be when you file your simple federal return with TurboTax Federal Free Edition. * Prepare, Print & efile your simple federal return for FREE. * Get the Maximum Refund you deserve. * Help & Advice available online, with answers to your questions 24/7. * Audit Support Center download included. * Fast Refund in as few as 8 days when you e-file and use direct deposit. We re also pleased to offer our members a 10% discount on TurboTax Online Deluxe. TurboTax and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries. Make tough times a little easier. With TurboTax filing your return is fast, easy and worry-free, with the security of knowing you ll get the Maximum Refund you deserve. Choose Easy! Get started at ShareNet, E-Statements, Mobile Banking, Bill Payer & Finance Works are Fast, Convenient and best of all - FREE! Sign up for ShareNet today at Mailing Address P.O. Box 519 Dahlgren, VA UNO NSWCFCU (540) (540) cuinfo@nswcfcu.org Routing Transit # CONTACT US: Phone Numbers (540) (540) Fax: (540) TTY: (540) Auto Loans as low as 1.74 % APR Visit nswcfcu.org for details! NSWC Federal Credit Union

5 FACTS WHAT DOES NSWC Federal Credit Union (NSWC FCU)/ NSWC Financial Services, LLC DO WITH YOUR PERSONAL INFORMATION? Rev. 09/2014 Why? What? How? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and Account Transactions Payment History and Account Balances Purchase History and Checking Account Information When you are no longer our customer, we continue to share your information as described in this notice. All financial companies need to share member personal information to run their everyday business. In the section below, we list the reasons financial companies can share their member personal information; the reasons NSWC FCU/NSWC Financial Services, LLC chooses to share; and whether you can limit this sharing. Reasons we can share your personal information For our everyday business purposes such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Does NSWC FCU/NSWC Financial Services, LLC share? Yes Can you limit this sharing? No For our marketing purposes to offer our products and services to you Yes No For joint marketing with other financial companies For our affiliates everyday business purposes information about your transactions and experiences No We don t share For our affiliates everyday business purposes information about your creditworthiness No We don t share For our affiliates to market to you No We don t share For nonaffiliates to market to you No We don t share Yes No Questions? Call (540) or go to

6 Page 2 Who we are Who is providing this notice? What we do How does NSWC FCU/NSWC Financial Services protect my personal information? How does NSWC FCU/NSWC Financial Services collect my personal information? Why can t I limit all sharing? NSWC Federal Credit Union (NSWC FCU) and NSWC Financial Services, LLC (NSWC Financial Services) To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. NSWC FCU/NSWC Financial Services regularly test and assess our information security measures and adopt upgrades and enhancements as necessary. We collect your personal information, for example, when you Open an account or Deposit money Pay your bills or Apply for a loan Use your credit or debit card We also collect your personal information from others, such as credit bureaus or other companies. Federal law gives you the right to limit only sharing for affiliates everyday business purposes information about your creditworthiness affiliates from using your information to market to you sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. Definitions Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. NSWC FCU does not share with our affiliate. Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. NSWC FCU does not share with nonaffiliates so they can market to you. Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include insurance and other financial services companies. Other important information