LIVING REATER. Northwest Reno Branch Now Open! Buying Your Next Car Just Got Easier

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1 The Newsletter for Greater Nevada Credit Union Members Inside This Issue: Message from the President GNCU Visa Debit Card Home Equity Line of Credit GNM s Greater Access LIVING REATER JULY 2014 Buying Your Next Car Just Got Easier The Nevada Wolf Pack Marching Band plays at the Grand Opening. If you re in the market for a new car or truck, be sure to check out Greater Nevada s new AutoPREMIER Auto Buying Program. The program, free for Greater Nevada members, includes no-haggle, pre-set, discounted prices on new and pre-owned vehicles from select local dealers. In addition, AutoPREMIER offers shopping tools to research new car reviews, safety ratings, manufacturer warranties, current rebates, and incentives at gncu.autopremier.com. Once you re ready to buy, simply call (800) An AutoPREMIER concierge team member will walk you through the process, and set an appointment for you with an authorized dealer, where you can expect the white glove treatment on top of all the money you ll save. Northwest Reno Branch Now Open! Greater Nevada s newest branch, located in the Ridgeview Plaza on the corner of McCarran Boulevard and Mae Anne Avenue in northwest Reno, had its official ribbon cutting on June 9. Our new northwest Reno branch provides a progressive in-branch experience and also includes a walk-up ATM with check deposit, along with a 24-hour depository for the convenience of our business members. Hours of operation are Monday through Friday, 9 am 6 pm and Saturdays 10 am 3 pm. The new branch also means that all members now have access to nine full-service branches in northern Nevada, plus the 5,000 shared credit union branches located nationwide through the CO-OP Financial Services SM network. The network provides members with access to nearly 30,000 fee-free ATMs as well. At Greater Nevada, we re always looking for ways to make your life Greater, and we re thrilled to add the new northwest Reno branch as one of the many ways we do that. To easily locate any Greater Nevada branch, CO-OP ATM SM or CO-OP Shared Branch SM, visit gncu.org and click on Locations or Services. Watch for Upcoming Information Greater Nevada is undergoing a core operating system upgrade this year in order to provide you with the latest technology in banking services, security and solutions. We ll be sharing the details of how all of the enhancements will help you to Live Greater, so stay tuned for more information coming your way soon! It s Time To Live Greater Federally insured by NCUA

2 From the President Your Goals Are Our Goals Greater Nevada Credit Union and Greater Nevada Mortgage, our well respected real estate lending subsidiary, are both in the midst of an exciting time in each company s history. They are abuzz with activity and accomplishment on a variety of fronts. Included among them are some of the items highlighted in articles elsewhere in this issue: Celebrating the opening of a new GNCU branch in northwest Reno Preparing for new technologies that will help us take member service to new levels, and Receiving recognition as one of the top employers in northern Nevada These successes provide the impetus and momentum to take on new endeavors that will allow us to serve you ever Greater. Yet even as we continue to invest in the bright future of Greater Nevada, one basic concept never changes around here. That is our commitment to each GNCU member that every employee is here to provide you with the excellent service and high quality products you expect from us. After all, once you decided to become a member of our credit union, you also chose to become one of its owners. That s why you deserve our best each and every day. So even as we continue to keep an eye on the future in order to broaden our services for the increasing number of consumers and businesses who desire what we have to offer, our main attention remains squarely focused on you GNCU s 46,000 existing members. Whether they are large or modest, short-term or long-term, we are here to help you reach the goals you have in your life. That s the sole reason Greater Nevada Credit Union and Greater Nevada Mortgage exist, and all 200 of our employees work daily to honor that promise. Along those lines, we truly want to know what we can do today to help you get where you want to be in life. That might mean having a lower cost checking/debit account, exploring options for purchasing a new home, seeking information on financing a business venture, earning more on your personal investments, funding health care costs, buying a new vehicle or RV, restructuring existing debts, or saving more for the future. We have the tools to help with those situations and many more. All you need to do is let us know how we can! Warmest regards and God bless, Wally Murray President/CEO The Greater Way for Business Checking Do you have a small or growing business in need of better banking options? Greater Nevada Business Services offers three business checking accounts, designed to make your life easier and your business more successful. No matter which account you choose, all come with: Local branches, most open six days a week Free online, mobile and telephone banking options Free bill pay and electronic statements Free access to more than 30,000 surcharge-free ATMs nationwide Online check ordering Competitive pricing And more Ask a member service representative about the advantages of Greater Nevada s business checking, or visit gncu.org and click on Business Services for more details. Health Savings Accounts Available Whether you have an existing HSA somewhere else or you re self-insured or a business owner, you know that affordable medical coverage is a never-ending challenge. Ask us about Greater Nevada s Health Savings Accounts, a flexible way to save money, earn interest, and stay ahead of rising health care expenses.

3 GNCU Awards 19 Scholarships This Year Greater Nevada congratulates the 19 students who were recently awarded $1,000 scholarships through our annual academic scholarship program. The 2014 scholarship winners selected are: Brittany Bennett Claudia De La Cruz Ryan Doherty Ethan Hoffman Quintin Jardon Taylor Kelton Brandie King Mikayla Knight Steven Larkin Taylen Russell Lopez-Simms Shania Marques Elizabeth Martin Baneza Montalvo Hailee Porras REATER Communities Brooke Presley Marcella Rico Maddison Saarem Autumn Bree Snow Omar Ziadeh Greater Nevada has offered academic scholarships to members for the past 15 years. For more information about the annual scholarship program and this year s winners, visit gncu.org and click on Community Involvement, and then GNCU College Scholarships. GNCU at the 2014 Special Olympics Northern Nevada Polar Plunge and Summer Games Greater Nevada is a proud sponsor of Special Olympics Northern Nevada (SONV), and as you can see by these photos, we have lots of fun while fundraising for and supporting local SONV athletes. A special thanks to our plungers, supporters and volunteers, who help make it all happen! GNCU s Ash Greenspan, Member Services Sales Manager (aka Superman), fearlessly flies into the chilly waters of Lake Tahoe. GNCU s Rick Hassman, VP Finance, and his family took the superhero theme to the next level. Best Places to Work Greater Nevada was once again recognized as one of the top companies to work for in the Greater Reno Tahoe Best Places To Work Awards by taking third place in the large business category at this year s awards ceremony. Greater Nevada has earned a Best Places to Work distinction every year since 2008 and was the only financial institution to be nominated for this award in 2014.

4 Tips for Using Your First Checking Account Your first checking account is a big step toward more financial freedom and more responsibility. The following are some key habits for staying in charge of your finances now and for the long run: A Message from Greater Nevada Financial Services* IRA Rollovers for Lump Sum Pension Payouts Give your assets the opportunity for further tax-deferred growth If you are taking a lump sum pension payout from your former employer, what is the next step for that money? How can you make your assets work harder for you? Your money shouldn t just sit there; keep it growing by rolling it over to a traditional IRA. Keep track of your transactions and balance your account regularly online or by phone so you know how much money you have and how much you ve spent. Don t forget about transactions scheduled to come out of your account automatically, such as online subscriptions or bill payments. Don t spend what you don t have available in your account or you could end up paying overdraft fees. Take it a step further and make a budget so you can better plan your spending and saving based on your income and expenses. Protect your account. Never give your personal identification number (PIN), online banking password, or other sensitive information to anyone. Also, be aware of possible scams like suspicious phone calls, s or text messages asking for your account information. Contact Greater Nevada immediately if you re unsure about any requests you receive for your personal information. Shop safely online. Only use websites and retailers that have a good reputation when you shop online and never give out personal information, like your Social Security number. Want more tips on managing your money, including creative ways to save and spend? Visit our blog at itstimenevada.com/blog. Go Mobile with the Greater Nevada App Check your balances, make payments, transfer money or deposit a check anytime and anywhere from your smartphone using the Greater Nevada App. Get yours for free today at the Apple App Store or Google Play Store. By arranging a rollover of your lump sum distribution to a traditional IRA (assets are not Roth eligible), you may defer taxes on those dollars.** If you ve already taken a payout, you can still defer tax if you place the distribution into an IRA within 60 days of the payout. If you decide to deposit your lump sum payout into a non-ira bank account, your assets will be considered taxable income by the IRS. Also, per IRS regulations, your employer must withhold 20% of a lump sum payout. In a Traditional IRA, those assets can be tax-deferred and invested as you like. Your money will not be taxed until it is withdrawn. Talk to a Greater Nevada Financial Services professional who can help you with the paperwork and get your IRA rollover going. ** Representatives are registered, securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with Greater Nevada to make securities available to members.not NCUA/NCUSIF/ FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. CUNA Brokerage Services, Inc. is a registered broker/dealer in all fifty states of the United States of America. **Consult your tax advsior for possible tax benefits. FR

5 Three Good Reasons to Use Your Greater Nevada Visa Debit Card There are many benefits to using your Greater Nevada Visa Debit Card, including some of our favorites: 1. It s Rewarding.* If you have a Rock account, using your debit card can help you earn monthly Amazon.com and itunes credits. With Aspire you can be eligible to earn extra cash to spend on anything you want up to $250 annually! Both cards also offer the opportunity to earn unlimited ATM fee rebates. 2. It s Safe. All Greater Nevada debit cards come with Visa s Zero Liability policy, so you re protected from having to pay for fraudulent charges. 3. It s Convenient. Use your card anywhere Visa is accepted worldwide, and at over 30,000 fee-free ATMs nationwide. Plus, you can even ask for cash back at many retail locations instead of using an ATM. Make sure you re reaping all the benefits of a Greater Nevada Visa debit card by using it instead of cash, checks or credit cards. Don t have a Greater Nevada debit card? Be sure to speak with a Greater Nevada member service representative today. * Rewards can be earned each qualifying month when required minimum activities are met. Visit gncu.org/accounts/checking or call or visit your nearest branch for qualifying information. Refer a Friend and Get Rewarded When you refer friends and family to Greater Nevada Credit Union, you can both receive a $25 bonus when they open a new checking account!* Visit gncu.org and click on Services or stop by one of our branches for a Refer-a-Friend certificate and to learn how easy it is to start rewarding yourself, while helping your friends and family Live Greater. * Restrictions apply. Please see gncu.org or your local branch for details. At Your Service Apply For A Loan ItsTimeToLiveGreater.com or (855) LIV-GR8R ebranch Online Banking gncu.org Mobile Banking App Free download at the Apple App Store or Google Play Store Phone Activated Teller (775) , or outside of local calling area: (800) , press *, press 1 Member Resource Center (775) or (800) Greater Nevada is part of the CO-OP ATM SM and CO-OP Shared Branch SM networks. These networks provide free ATM and shared branch access nationwide for all members. For a complete listing of ATM and shared branch locations, as well as Greater Nevada branches, visit gncu.org. For the latest information about GNCU s special offers, new products and services, and more, we invite you to sign up for our enews at gncu.org/opt-in.html. Branches will be closed on: Friday, July 4 Independence Day Monday, September 1 Labor Day Monday, October 13 Columbus Day/Staff Training Friday, October 31 Nevada Day Audit Committee Jon Steele, Chair Dan Reaser, Member Daniel Thomas, Member Steve Watson, Member Board of Directors Bill Arensdorf, Chair Paul Richey, Vice Chair Alex Talmant, Treasurer Rob Joiner, Secretary Barbara Byington, Director Vernon Dalton, Director Bill Prowse, Director Executive Team Wally Murray, President/CEO Dean Altus, EVP/COO Joyce Whitney-Silva, EVP/CFO Financial Statistics As of April 2014 As of April 2013 Members 45,747 45,245 Total Assets $476,651,754 $457,366,455 Total Deposits $426,503,146 $410,212,374 Total Loans $290,643,419 $262,178,744

6 Give Yourself a Break with a Greater Nevada Home Equity Line of Credit Why pay high interest credit card rates when it could cost much less to tap into a home equity line of credit (HELOC)*. With a HELOC, you can use the equity in your home for money when you need it, at a much lower rate. A HELOC can be used for many reasons, such as consolidating high interest debt into one affordable payment, making home improvements to increase the value of your house, or to pay for unexpected expenses, such as repairs or new appliances. Plus, the interest may be tax deductible**. For more information about how HELOCs work, visit itstimenevada.com/blog. Or speak with a Greater Nevada representative today. ** All loans subject to credit approval. Property values determined by appraisers selected and approved by Greater Nevada. Property insurance required. **Consult your tax advisor for possible tax benefits. Greater Nevada Mortgage: Making Homeownership Even More Accessible! Greater Nevada Mortgage recently unveiled Greater Access*, a program designed to assist borrowers with their down payment, making homeownership possible for more people throughout the state. Greater Access features include: Down payments as low as ½% A wider range of sources for funding down payments and closing costs Allows home sellers to pay up to 6% of the sales price towards the borrower s closing costs All processing, underwriting, and funding is performed by our staff in northern Nevada If you re in the market for a new home, or are a real estate professional helping clients get into one, call us at (775) to learn if Greater Access can help you Move to Greater. You can also visit us online at GreaterNevadaMortgage.com for more information. * Program parameters are subject to change. All loans subject to credit approval. GNM NMLS ID: