Free Checking. Plain & Simple. Member Matters. Switch to Our Free Checking and Enjoy: Make the Switch Today!

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1 FEDERAL CREDIT UNION Member Matters Celebrating 40 Years of Member Service ! April 2018 riverlandfcu.org Step-Up Certificates Free Checking Plain & Simple RiverLand s FREE checking checks all the right boxes: No monthly fees No direct deposit requirement No minimum balance requirement No transaction minimum Switch to Our Free Checking and Enjoy: Account Access at More Than 80,000 Locations Nationwide Mobile Banking Online Banking + with Remote Deposit + with Bill Pay + Earn Dividends with Our Money Market Checking Make the Switch Today! *APY=Annual Percentage Yield. Rate is effective as of October 9, 2017, and is subject to change without notice. Early withdrawal penalties, restrictions, and limitations apply. Call for details. riverlandfcu.org x RCU(4728)x3

2 A Home Equity Line of Credit Can Add Value To Your Biggest Investment! Rates as low as 4.50 % with automated payments APR * Your home s equity provides a low-cost way to borrow! Apply Today! Credit Limits up to $200,000 Low-to-No Closing Costs* Up to 15-Year Terms No Application Fees *Annual 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.25% 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. Minimum initial draw is $2,500 or as determined by state law. Property must be owner occupied. Restrictions and limitations apply; call for details. In Memory Wallace Wally S. Maitrejean January 26, 1937 January 27, 2018 Wally Maitrejean was an active volunteer with RiverLand Federal Credit Union for more than twenty-nine years. He served on the original Credit Committee for three years, from when he was elected to the Board of Directors. As a Board member, he served another twenty-six years until Wally held the position of Treasurer for many years during his term on the Board. In addition to twenty-nine years of commitment to volunteer service, Wally always brought his great sense of humor and lively attitude to every Credit Union function. Wally was a devoted family man, dedicated Entergy employee, committed volunteer, and valued friend. He will be missed dearly!

3 FUN 3.99 % APR* Rates as low as with automated payments New, Used, & Refinanced Sport & Recreational Vehicles You can enjoy the great outdoors this summer with a RiverLand Sport and Recreational Vehicle Loan! Whether you prefer boating, camping, or cycling; we can help take your summer fun up a notch. We finance both on and off road vehicles with our great low-rate loans. Boats Motorcycles RVs ATVs Tractors Wet Bikes & More! Apply now, these rates won t last forever! riverlandfcu.org x RCU(4728)x2 As low as rate is subject to borrower s credit history, repayment term, and collateral. These rates and terms 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 example per $1,000 borrowed: 3.99% APR=60 payments of $ Refinancing excludes current RiverLand loans. Restrictions and limitations apply. Call for details.

4 8 Card Skimming Don t Become a Victim! How Do I Protect My Information? Set up ealerts: Your best protection against account fraud is setting up free ealerts to notify you when account transactions occur so you can quickly determine if the activity is authorized. ealerts ensure your account isn t used without your knowledge. Keep all of your contact info current with issuers: If your account is compromised, or suspected of fraud, your card issuer will contact you to verify transactions. What Is Card Skimming? Criminals attach devices called skimmers to ATMs and gas pumps to illegally copy information from the magnetic strip of debit, credit and ATM cards. In service and retail environments, offenders use smaller, handheld models to copy your card information. Once they obtain your card number and expiration date, they create a fake card so they can access your account for purchases and cash withdrawals. Skimming accounts for 98% of all ATM card fraud! While criminals are creative in their fraud attempts, you do NOT have to become a victim. You can combat their attempts by enrolling in ealerts, keeping your contact information updated with card issuers and by checking your account activity often to make sure there is no unauthorized use. If you ever suspect fraud on your account, immediately notify your card issuer. For more information about card skimming and other types of identity theft, please visit us online: riverlandfcu.org Member Resources Fraud Awareness Center Be aware at the gas pump: Use pumps that can be easily seen by station employees and security cameras. Check the area around the card reader for signs of tampering or forced entry (like bent panels, broken security tape or seals). Don t use pumps that raise concern. Always shield the keypad when entering your info: Along with skimmers, criminals often install hidden cameras so they can collect PINs and zip codes. This gives them everything they need to make a fake card and gain access to your account. Keep an eye on your card when it s not in your hand: Be extra careful at fast food drive-up windows. If you see a cashier swipe your card through more than one device, there s a strong possibility they are using a card skimmer. Report the situation immediately to management. Check your accounts frequently: Review and verify transactions at least weekly on any open account, even accounts that you rarely use. Be sure to report any suspicious activity, no matter how small. Be selective about which ATMs you use: Don t use an ATM that is poorly lit, in a remote area or obstructed from view. Avoid using ATMs that are not located at a financial institution; standalone machines have more skimming incidents. Skimmers can be disguised to look like they are part of an ATM but upon close inspection you may notice, where you insert your card, that something does not match the rest of the machine. Card skimmers are frequently taped, or glued, to the card reader. If you wiggle the card reader and it feels loose, do not use it.

5 88 MEMBER SERVICES MANAGEMENT STAFF LOCATIONS, HOURS, & PHONES FOR EVERYONE Shared Branching Checking Accounts Checking Accounts with Courtesy Pay Money Market Checking Accounts Fresh Start Checking Accounts Debit Cards FREE ATM Services Online Imaged Check Copies Internet Banking Internet Bill-Paying Service Mobile Banking FlashDeposit SendMoney FlashView Money Manager Electronic Account Statements Electronic Account Transfers TONEY Audio Response Teller (24/7) Internet Website Direct Deposit & ACH Deposits 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) FOR THE BORROWER New & Used Car, Truck, Boat, Motorcycle, RV, & ATV Loans New & Used Vehicle Refinancing Home Equity Loans Home Mortgages Mastercard Accounts (Platinum, Gold, Classic, & Secured) RCAs (Revolving Credit Accounts) Seasonal Loans (Low Rate/12 Months) Signature Loans Savings & Certificate Secured Loans GAP Vehicle Loan Protection Mechanical Repair Coverage for Vehicles Low-Cost Loan Payment Protection: Life, Disability, & Involuntary Unemployment LOAN SERVICES Fast Loan Approvals Loans-by-Phone Application Processing Secure Internet Application Processing New & Used Car Valuations Online ADDITIONAL SERVICES Wire Transfers of Funds U.S. Savings Bonds Redemption Official Checks 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 President/CEO Chief Financial Officer Vice President of Operations Vice President of Marketing Vice President of Lending Vice President of Info Technology LOAN RATES STATISTICS CURRENT RATES Annual Percentage Rate New, Used, & Refinanced - Cars, Trucks, & SUVs (100% financing/60 months/with automated payments) as low as 1.99% ** New, Used, & Refinanced - Recreational Vehicles such as Boats, Motorcycles, RVs, ATVs, Motor Homes, & Tractors (100% financing/60 months/with automated payments) as low as 3.99% ** Home Equity Loans rates as low as prime minus.25% Signature Loans (12 months) 5.99% * Mastercard (no annual fee) Platinum 7.90% Call us for a complete list of loan rates and terms. *Available for a limited time to qualified borrowers. Restrictions and limitations apply. Call for details. Monthly payment example per $1,000 borrowed=12 payments of $ **As low as rate is subject to borrower s credit history, repayment term, and collateral. These rates and terms 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 $ Refinancing excludes current RiverLand loans. 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 2018 on accounts with balances of $105 or more: SHARE CHRISTMAS CLUB APR APY APR APY Jan., Feb., March.25%.25% $105 - $9,999.10%.10% $10,000 or more.25%.25% INVESTMENT ACCOUNTS Carol L. Irby Lori Lassere-Bourg Rhonda Cubbedge Charmaine Bocage Russo Patricia Unsworth George Lunsford March 2018 March 2017 Total Assets $247,399,450 $233,899,191 Total Funds $222,995,418 $211,733,335 Total Loans $203,559,646 $187,021,015 Total Members 14,724 14,454 APY=Annual Percentage Yield Dividend rates on investment accounts are reviewed each Monday. Rates shown below were paid April 1, Yields reflect monthly compounding. The minimum balance requirement on accounts listed below is $1,000 unless otherwise noted (see Truth-in-Savings Disclosure for complete information). TERM/TYPE Annual RATE Annual YIELD 60-month certificate 1.93% 1.95% 36-month certificate 1.44% 1.45% 24-month certificate 1.19% 1.20% 18-month certificate.85%.85% 12-month certificate.85%.85% Money Market IRA $100 - $99,999.49%.50% $100,000 or more.74%.75% Money Market Savings.39%.40% Money Market Checking.15%.15% HSA - no minimum balance.74%.75% Early withdrawal penalties may apply, see account disclosures. Main Office RCU (4728) 639 Loyola Ave. Suite 220 New Orleans, LA Entergy Inter-Office Mail Unit L-ENT-RCU Entergy UDC Gretna Office Virgil St. Gretna, LA Jackson Office Echelon Pkwy. Jackson, MS a.m. 3 p.m. Mon Fri Jefferson Office Jefferson Hwy. Jefferson, LA a.m. 1:50 p.m. & 2:30 4 p.m. Mon Fri ATM Location 24 hours Morgan City Office David Dr. Suite 107 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 4 p.m. Mon Thurs (Closed Fridays) Woodlands Office Grogan s Mill Rd. The Woodlands, TX a.m. 1:50 p.m. & 2:30 p.m. 4 p.m. Mon Fri Shared Branch Locations More Than 5,000 Nationwide Toll Free: 888.SITE.COOP ( ) Mon Fri Hours: Vary by location Saturday Hours: Vary by location Baton Rouge 6725 Siegen Ln. - Ste K Hammond 1115 W. University Ave. Harvey 1530 Lapalco Blvd. - #5 LaPlace 350 Belle Terre Blvd. Mandeville 238 Lafitte St. Metairie 5500 Veterans Blvd. Slidell 1512 Gause Blvd. Free ATM Locations More Than 75,000 Nationwide Toll Free: 888.SITE.COOP ( ) Loans by Phone & Internet x RCU(4728)x2 TONEY Audio Response Mastercard Debit & Credit Cards 24 Hours Lost or Stolen Card Transaction Assistance Line Fax Website riverlandfcu.org HOLIDAY CLOSINGS Year 2018 May 28th... Memorial Day July 4th... Independence Day September 3rd... Labor Day November 22nd... Thanksgiving Day December 24th... Christmas Eve December 25th... Christmas Day