1st Quarter • 2014

XPLORERExplore your � nancial possibilitiesFEDERAL CREDIT UNION

Member NewsTuesday, December 31

New Year’s EveAll Branches Open 8am-12pm

Wednesday, January 1New Year’s Day

All Branches Closed

Tuesday, March 4Mardi Gras

All Branches Closed

Newsletter Contest

How much did the member save in the auto loan testimonial? Email your answer

to marketing@xplorefcu.com. The correct responses will be entered into a $50 Visa gift card drawing! The winner

will be notified via email. Contest ends March 31st.

Visit www.xplorefcu.com or call 504.728.4853 to schedule your appointment today.

Here’s how one member benefited from an Explore Your Score credit report review: “Vanessa at the One Shell Square branch performed an Explore Your Score credit review for me. By transferring my auto loans to Xplore FCU, I was able to lower my payments and shorten my terms. This saved me over $17,000 over the life of my loans! I couldn’t be happier- Thanks Xplore Federal Credit Union!” - Adam G.

5500 RenovationsMonday, December 305500 Veterans Branch

Drive-Thru Reconfiguration- Enter through

the rear parking lot.

Saturday, January 4 5500 Veterans Branch will be closed

for renovations. 1201 Veterans will be open from 9am-2pm for your

convenience.

Saturday, February 8All Branches Closed for required

system maintenance.This may affect Home Banking

and Shelly.

* Experian report performed by the credit union; credit inquiries within the last 180 days do not qualify; offer limited to one member’s share account. Program is subject to change without notice. Explore Your Score™ must be performed.

Guess your Credit Score within 25 points

and earn $25*

If your New Year’s Resolution is to become financially fit in 2014, Xplore FCU will help make your resolutions come true!

Schedule an appointment to meet with a Member Service Representative to Explore Your Score™:

Receive a FREE Credit ReportReview your Credit Report

Look at refinancing options for better ratesConsolidate your debt

Get Financially Lean in 2014

ExploreYourScoreTM

We’ve got the cure for your HOLIDAY HANGOVER!

Sometimes a little extra time can make a big difference. That’s why we offer Skip-a-Payment, a convenient program that allows you to skip a payment on one or all of your qualified loans. A Skip-a-Pay form is available at xplorefcu.com in Home Banking, Secure Online Forms.

Skip-a-Payment

*Qualified Loan—must be a member in good standing* and all loans (individual, joint or co-borrower) are current** as of the receipt date and no delinquency*** within the past 6 months to participate in the Xplore FCU Skip a Payment Program. This program is not available on new or recently granted loans until 6 months of payments have been received. Real estate loans, credit cards and lines of credit are excluded from this offer. Secured loans (autos) are allowed 1 skip a payment per calendar year. Signature loans are allowed 2 non-consecutive skip a payments per calendar year. Xplore FCU will extend the final loan payment on the loan selected by one month. The interest on the loan will continue to accrue during the month the payment is skipped. By skipping a payment, the original term of the loan is extended. Any payment made through payroll deduction or automatic transfer will remain in the member’s account from which the payment is normally allocated. The $29.95 processing fee per loan will be deducted from the account the member selects upon receipt of the completed form. If the $29.95 is not available when the request to skip a payment form is received, the payment will not be skipped and the request will be null and void. The request form will then have to be resubmitted when the funds are available before the skip a payment will be placed. *Good Standing—defined as no overdrawn share/checking accounts. **Current—defined as less than 10 days past the scheduled payment date. ***Delinquent—defined as 60 days or greater past the scheduled payment date.

APR*

*APR (Annual Percentage Rate) Actual rates may vary based on credit score. There is no grace period on balance transfers; a finance charge (based on the account’s current Annual Percentage Rate) will be imposed from the date the transfer is posted to your credit card account. All loan approvals are based on standard loan underwriting guidelines. Transfers based on borrower’s available limit. Loan rates are subject to change without notice. **Minimum visa balance transfer of $2,500 required at time of booking to receive $25. Experian Report inquiries performed by the Credit Union. Credit inquiries within the last 180 days do not qualify. Loans must meet current credit union lending guidelines. Offer limited to one per member. On multiple loans, member will receive the higher of the payouts. Funds deposited into member’s share account within 45 days. Programs subject to change without notice.

VISA Platinum®

8.90%NO Annual Fee • NO Transfer Fee • Flexible Credit Limits

Receive $25 when you transfer your balances to us!**

PERSONAL LOANSRates as low as

7.99%APR*

*APR (Annual Percentage Rate) All loan approvals are based on standard loan underwriting guidelines and/or automated credit-scoring benchmarks. Actual rate may vary based on credit score and loan term. Loan rates are subject to change without notice. Does not apply to loans currently financed with the credit union.

VacationSchool Supplies

Swimming Pool

LandscapingHome Repairs

Debt Consolidation

3 ways to consolidate debt:

NEW • USED • REFINANCE

AUTO LOANS

*APR (Annual Percentage Rate) Does not apply to loans currently financed with Xplore Federal Credit Union. Maximum term of 60 months at a monthly payment of approximately $17.53 per $1,000 borrowed. All loan approvals are based on standard loan underwriting guidelines and credit-scoring benchmarks. Actual rate may vary based on credit score, discounts, and/or surcharges, loan term, and loan to value. Loan rates are subject to change without notice. Other criteria may apply. Other terms and rates available.

Rates as low as

1.99%up to 60 months

APR*

Call 504.728.4853 or visit www.xplorefcu.com to apply.

(other terms available)

Community ServiceXplore FCU Sponsors Bridge House/Grace House Fashion Recycle Show

Xplore Federal Credit Union is proud once again to partner with Bridge House / Grace House in 2014. The mission of Bridge House/Grace House is to provide gender specific treatment to men and women who have become dependent on alcohol or drugs so that they may lead sober and productive lives.

The team at Xplore is thrilled to announce our sponsorship for the Bridge House / Grace House 2014 Recycled Fashion Show. The evening will include a fashion show featuring clothing from the Bridge House / Grace House Thrift Store tweaked by local designers into fashionable outfits. The event features over 20 restaurants, a silent auction (featuring items modeled on the runway), a cash bar, and entertainment! This evening of catwalks and cocktails will take place at Generations Hall Friday, January 31, 2014 from 7-10PM. For more information visit our website at www.xplorefcu.com.

Certain criteria will apply.

Easily move money between your accounts with us and other financial institutions.• Save time with no need to visit branches or write checks.

• Schedule automatic, recurring transfers for a simple savings plan.

• Control your money from one dashboard — fast and easy.

Starting in February, you will simply login to Home Banking and go to:

$

$ $

$e-Transfers COMING SOON

2014 Candidates for Board of DirectorsBiographical Data

Michael (Mike) Mire, Sr.

Mike Mire has served as a member of the Board of Directors of the Xplore Federal Credit Union for the past 19 years. During his tenure as a Director he also served as a member of the Member Service Committee. He graduated from Tulane University with a Bachelor of Business Studies and worked for Shell Oil Company for 33 years. Mike is currently retired.

Linda Zimmerman

Linda Zimmerman has served as a member of the Board of Directors of the Xplore Federal Credit Union for the past 13 years. During her tenure as a Director she also served on the Member Service Committee. Linda graduated from Riverdale High School. Linda has been employed with Shell Oil Company for 26+ years. Linda is currently retired.

Courtney C. Miller

Courtney C. Miller has served as a volunteer for 4 years, first on the Supervisory Committee, and then on the Board of Directors. Courtney graduated from the University of New Orleans with a Bachelor's of Science in Business Administration and from Loyola University New Orleans School of Law with a Juris Doctorate. She has been practicing law in the areas of successions, trusts, and estate and tax planning for 9 years and is a partner at Adams and Reese LLP.

ANNUAL MEETING NOTICE

The Annual Meeting of Xplore Federal Credit Union for year ending 2013 will be held on Wednesday, March 19, 2014 at 11:45am in the Shell Annex. (2nd floor of One Shell Square Parking Garage)

The Nominating Committee has nominated the following individuals:

• Michael (Mike) Mire, Board incumbent• Linda Zimmerman, Board incumbent• Courtney C. Miller, Board incumbent

In accordance with our Credit Union bylaws, the Supervisory Committee, in its role as Nominating Committee, is presently accepting petitions for additional Board candidates. As mandated by Credit Union Policy, applicants must, at a minimum, be members in good standing and have never caused a monetary or property loss to the Credit Union.

If interested in running for a Board seat you may qualify to run by:

- Obtaining a petition from one of our branches or by visiting www.xplorefcu.com (You will need 100 existing credit union member signatures) - Completing the petition along with your qualifications and biographical data - Providing a written statement of your willingness to serve, if elected

These documents must be received by Xplore Federal Credit Union office by the close of business Tuesday, February 7, 2014 in order to qualify and have your name placed on the ballot. There will be no nominations from the floor. For more information, call Supervisory Committee Chairperson Richard LoRusso at 504.905.4695. Please submit petitions and required written information to:

Xplore Federal Credit UnionATTN: Supervisory Committee ChairpersonP.O. Box 60193New Orleans, LA 70160

FEDERAL CREDIT UNION

We’ve given you exclusive access to TurboTax® inside your online account. Try it for FREE by February 27, and you’ll automatically be entered to win!1

• Grand prize up to $10,000• Three $2,500 first prizes• Twelve $500 second prizes

Just log in to www.xplorefcu.com and click “My TurboTax” to start for FREE — and get your chance to win!1

Every penny you deserveTurboTax uncovers the latest deductions and credits based on your job, family and life.

Your head startData from your online account will upload securely into your tax return to help you save time.

Your taxes done rightTurboTax guarantees 100% accurate calculations and your maximum refund — or your money back.2

1 TurboTax Triple My Refund Sweepstakes. NO PURCHASE OR FINANCIAL DISCLOSURE NECESSARY. Open to legal residents of the fifty (50) United States or the District of Columbia, 18 years of age or older at time of entry. Void in Puerto Rico and where prohibited by law. Sweepstakes ends 2/27/14. Subject to complete Official Rules and all applicable federal, state and local laws. For Official Rules including odds of winning, alternate method of entry, and prize descriptions, visit www.xplorefcu.com/mstinc/grp/ttob/ttsguarantees/. PRIZES: One (1) Grand Prize: We will triple the amount of your refund or payment to/from the IRS on your 2013 federal tax return up to a maximum of a $10,000 payout. Winner will receive a minimum of $3,000 if their refund or payment is less than $1,000 and a maximum of $10,000 if their refund or payment is greater than $3,334. Prize awarded in the form of a check. Retail Value (RV) up to a maximum of $10,000. Three (3) First Prizes: A check for $2,500. Retail value, $2,500 each. Twelve (12) Second Prizes: A check for $500. Retail value, $500 each.

Maximum retail value of all prizes is $23,500. The odds of winning a prize depend upon the total number of eligible entries received by the end of the Promotion Period. SPONSOR: Intuit Inc., 7535 Torrey Santa Fe Rd, SDG-2A-03-26D, San Diego, CA, 92129.2 www.xplorefcu.com/mstinc/grp/ttob/ttsguarantees/ for TurboTax product guarantees and other important information.© 2013-2014 Intuit Inc. All rights reserved. State filing charges apply. Limited-time offer for TurboTax 2013. Terms, conditions, features, availability, pricing, fees, service and support options subject to change without notice. Intuit, TurboTax and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries. Other parties’ trademarks or service marks are the property of their respective owners.

FEDERAL CREDIT UNION

Let Xplore Federal Credit Union Simplify Your Life

Xplore Federal Credit Union wants you to be able to take us wherever you go! We make mobile banking easy with our mobile app, mobile site, text banking, and online banking. That way you can check your account balance, transfer funds and more – right from your smartphone! Scan the QR Code below with a QR Code app to automatically download our Mobile Banking app.

Don’t have a smartphone yet or are looking to upgrade? Sign up for the Sprint Credit Union Member Discount and you’ll get a 10% discount on your select regularly priced Sprint monthly service, waived activation fees on new lines and waived upgrade fees.

Xplore FCU’s mobile banking and the latest smartphone at a great price from Sprint – two ways we can simplify your life!

Visit www.xplorefcu.com to see our mobile banking options and begin simplifying your life today. Visit LoveMyCreditUnion.org/Sprint to find out how you can get the Sprint Credit Union Member Discount.

Branch InformationM

ailing Address & Phone N

umbers

P.O. Box 60193 • N

ew O

rleans, LA 70160504-728-4853 • Toll-Free: 888- U

- XPLORE

One Shell Square Branch

701 Poydras StM

on-Fri: 8:00 am - 4:00 pm

1201 Veterans Branch M

on-Thur: 8:00 am - 4:00 pm

Friday: 8:00 am

- 5:00 pm

5500 Veterans B

ranch 504-455-7764

Lobby: Mon-Thur: 8:00 am

- 4:00 pm

Friday: 8:00 am - 6:00 pm

Saturday: 9:00 am

- 2:00 pmDrive Thru: M

on-Fri: 8:00 am - 6:00 pm

Saturday: 9:00 am

- 2:00 pm

mem

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