PRSRT STD U.S. POSTAGE

PAID CUADVANTAGE

A Publication for Members of Northrop Grumman Federal Credit Union

Box Number 47009 Gardena, CA 90247-6809

CUAdvantage • 877.799.0784

www.ngfcu.us 1

MAy 2012

Scan the code below with a QR reader to

access our website on your

smartphone!

The ONLY Card YOu Need

Transfer higher rate balances and pay an4.99% APR

nuntil the transferred balances are repaid

nwith no balance transfer fee

What are you waiting for? Transfer your higher rate credit cards, unsecured loans or lines of credit and high rate student loans to the NGFCU MasterCard and start saving today!

Apply online at www.ngfcu.us or call 800.633.2848.

In addition to our on-site Norteller ATMs, Northrop Grumman FCU offers ATM access to a variety of ATM network locations, including

28,000 surcharge-free CO-OP Network ATMs. Simply visit our homepage, click the CO-OP ATM Network link, and use the

convenient ATM Locator Tool to find an ATM near you.

dragged down by an overloaded auto payment?

auTO raTeSas low as

1.99% aPr*to keep you moving

Let us lighten your loadRefinance from another lender and SAVE!

Simply stop by the Credit Union or visit www.ngfcu.us to apply today

*Quoted rate is the lowest available rate. Your rate will be based on your credit history and may be higher. Rates and terms subject to change without notice.

Main Office - Pacific Pointe879 West 190th StreetGardena, California 90248

Mailing address:Box Number 47009Gardena, California 90247-6809

Call Center hoursMonday through Friday5:00 am - 6:00 pm Pacific

Visit us on the internet at www.ngfcu.usMasterCard - Fee-free balance transfers at 4.99% APR until the transferred balances are repaid.

To: Northrop Grumman Federal Credit Union Attn: Call Center

YES, I want to know more about these products/services:

m Share Draft (checking) mTouchtone Phone Acct Mgmt m Home Equity Line of Credit

mTerm Savings Account mVISA ATM/Check Card m Auto Locating Services

m Holiday Club Account m MoneyMaster Line of Credit m Direct Deposit of Social Security

m IRA Accounts m Auto Loan Pre-Approval m Direct Deposit of Retirement

mInternet Acct Mgmt m First Mortgage Loan m NGFCU MasterCard

To: Flight Plan Financial Services, Inc., a wholly-owned subsidiary of Northrop Grumman Federal Credit Union

YES, I am interested in learning more about securing my own financial future. Please send me information on the following: m Retirement Planning* m Life Insurance

m 401(k) Plan* m Property/Auto Insurance

m Mutual Funds* m Long Term Care Insurance

m IRA Rollovers* m Medicare Supplement

m Reducing Taxes* m Dental/Vision Coverage

m College Funding*

* Securities offered through LPL Financial member FINRA/SIPC - Stocks, bonds, mutual funds, annuities and other investments available through LPL Financial are not deposits in Northrop Grumman FCU, are not insured by the NCUSIF, nor are they obligations of, or guaranteed by Northrop Grumman FCU. Such investments may fluctuate in value and are subject to investment risks, including loss of some or all of the principal.

Name Account Number

Send this section to:

Northrop Grumman FCU Box Number 47009 Gardena, CA 90247-6809

www.ngfcu.us2 www.ngfcu.us 3

We Want Your e M a i L a d d r e S S !Your personal email address has become an excellent way for the Credit Union to communicate with you, using it to notify you about eStatement availability and activity on your account. Email is also a great way for you to stay connected with your credit union. We can use it to help you make the most of your NGFCU membership by occasionally emailing you information about changes to our products and services.

If you aren’t sure if we have your most current email address, you can visit www.ngfcu.us and log into the_Max! eBranch. You will see your email address prominently displayed on the Account Summary page. If you find that the email address we have is not accurate, you can click on it to change it. If you don’t have access to the_Max! eBranch, then call 800-633-2848 and provide your email address to a member service representative.

Keep in mind that we try to avoid sending emails to your work email address, even if it is the only one you have provided. We would like you to provide your personal email address to make sure you receive account notifications in a timely manner. And don’t worry. We take every precaution to keep your personal information secure. We don’t share your email address with third party companies.

Let’s keep in touch. Log into the_Max! or give us a call to make sure we have your current email address!

eBranch

Maximize your Time Here at Northrop Grumman FCU we make it easy for you to stay connected to your NGFCU accounts, whenever and wherever it’s convenient for you.

the_Max! MobileWith our mobile banking service, the_Max! Mobile, you can use your mobile device to enjoy many of the same conveniences offered by the_Max! eBranch.

How to access mobile banking:n Visit www.mobile.ngfcu.us. from your mobile device, then log in to the_Max! eBranchn Or simply download the_Max! app for your Android, iPhone or iPad

Traditionally, you had to visit a branch or ATM to deposit a check to your NGFCU account. But no more! Now you can make check deposits easily through the_Max! eBranch by using your scanner equipped home or office computer or through the_Max! mobile on your Android, iPhone or iPad.

How to use Remote Check Deposit:n Sign in to the_Max! eBranchn Follow the simple step-by-step instructions for depositing your checks

Renovating • Repairing • RemodelingHome Equity Line of Credit (HELOC)

as low as 3.50% APR

can help finance your projects

Low variable rate | Revolving credit line up to $200,000 | 10-year draw period Maximum rate cap of 3% per year and 6% for the life of the loan

Interest may be tax deductible*

Funds can also be used for:tuition expenses | auto repairs | vacationsdebt consolidation | endless possibities!

JUST FOR YOU…we provide a $650 allowance for closing costs, making it completely free to apply in most states! Some restrictions apply, so please contact the Credit Union for complete details.

NGFCU Home Equity Lines of Credit are available for qualifying properties, which include owner-occupied, 1 to 4 units in Arizona, California, Colorado, Florida, Illinois, Maryland, Oklahoma, Pennsylvania, Virginia, Washington and Washington, D.C. Subject to credit worthiness, income and equity verification.

*Consult your tax advisor for actual deductibility.

Time for a Spring Spruce up?Please Note...Changes are coming to our MasterCard statements! If you are an NGFCU MasterCard account holder, you will soon see many changes to your monthly credit card statement. Effective June 2012, these new Super Cool Statements (SCS) will feature many Super Cool features, including:

n New 8½ x 11 statement size and larger envelope

n The remittance slip will be longer and the remittance address will change

n To make it easier for you to visualize how your MasterCard payment fits into your budget, a convenient calendar will display the due date on the remittance slip

n Most importantly, the Account Information, Account Summary, Payment Information and Transaction Log will each be displayed in their own well-marked section, making the statement much easier to read

We hope you will find the new MasterCard statement layout Super Cool! If you have any questions, please feel free to contact the Credit Union.

PrObLeMS? iNquirieS?The Supervisory Committee has the responsibility to continually review the functions of the Credit Union to ensure that it is operating in the best interest of its members. Any ques-tions, suggestions or inquiries should be directed to:

Chairman, Supervisory CommitteeNorthrop Grumman Federal Credit UnionBox Number 3382Gardena, CA 90247-7082

Federally insured by NCUA.

To: Northrop Grumman Federal Credit Union Attn: Call Center

YES, I want to know more about these products/services:

m Share Draft (checking) mTouchtone Phone Acct Mgmt m Home Equity Line of Credit

mTerm Savings Account mVISA ATM/Check Card m Auto Locating Services

m Holiday Club Account m MoneyMaster Line of Credit m Direct Deposit of Social Security

m IRA Accounts m Auto Loan Pre-Approval m Direct Deposit of Retirement

mInternet Acct Mgmt m First Mortgage Loan m NGFCU MasterCard

To: Flight Plan Financial Services, Inc., a wholly-owned subsidiary of Northrop Grumman Federal Credit Union

YES, I am interested in learning more about securing my own financial future. Please send me information on the following: m Retirement Planning* m Life Insurance

m 401(k) Plan* m Property/Auto Insurance

m Mutual Funds* m Long Term Care Insurance

m IRA Rollovers* m Medicare Supplement

m Reducing Taxes* m Dental/Vision Coverage

m College Funding*

* Securities offered through LPL Financial member FINRA/SIPC - Stocks, bonds, mutual funds, annuities and other investments available through LPL Financial are not deposits in Northrop Grumman FCU, are not insured by the NCUSIF, nor are they obligations of, or guaranteed by Northrop Grumman FCU. Such investments may fluctuate in value and are subject to investment risks, including loss of some or all of the principal.

Name Account Number

Send this section to:

Northrop Grumman FCU Box Number 47009 Gardena, CA 90247-6809

www.ngfcu.us2 www.ngfcu.us 3

We Want Your e M a i L a d d r e S S !Your personal email address has become an excellent way for the Credit Union to communicate with you, using it to notify you about eStatement availability and activity on your account. Email is also a great way for you to stay connected with your credit union. We can use it to help you make the most of your NGFCU membership by occasionally emailing you information about changes to our products and services.

If you aren’t sure if we have your most current email address, you can visit www.ngfcu.us and log into the_Max! eBranch. You will see your email address prominently displayed on the Account Summary page. If you find that the email address we have is not accurate, you can click on it to change it. If you don’t have access to the_Max! eBranch, then call 800-633-2848 and provide your email address to a member service representative.

Keep in mind that we try to avoid sending emails to your work email address, even if it is the only one you have provided. We would like you to provide your personal email address to make sure you receive account notifications in a timely manner. And don’t worry. We take every precaution to keep your personal information secure. We don’t share your email address with third party companies.

Let’s keep in touch. Log into the_Max! or give us a call to make sure we have your current email address!

eBranch

Maximize your Time Here at Northrop Grumman FCU we make it easy for you to stay connected to your NGFCU accounts, whenever and wherever it’s convenient for you.

the_Max! MobileWith our mobile banking service, the_Max! Mobile, you can use your mobile device to enjoy many of the same conveniences offered by the_Max! eBranch.

How to access mobile banking:n Visit www.mobile.ngfcu.us. from your mobile device, then log in to the_Max! eBranchn Or simply download the_Max! app for your Android, iPhone or iPad

Traditionally, you had to visit a branch or ATM to deposit a check to your NGFCU account. But no more! Now you can make check deposits easily through the_Max! eBranch by using your scanner equipped home or office computer or through the_Max! mobile on your Android, iPhone or iPad.

How to use Remote Check Deposit:n Sign in to the_Max! eBranchn Follow the simple step-by-step instructions for depositing your checks

Renovating • Repairing • RemodelingHome Equity Line of Credit (HELOC)

as low as 3.50% APR

can help finance your projects

Low variable rate | Revolving credit line up to $200,000 | 10-year draw period Maximum rate cap of 3% per year and 6% for the life of the loan

Interest may be tax deductible*

Funds can also be used for:tuition expenses | auto repairs | vacationsdebt consolidation | endless possibities!

JUST FOR YOU…we provide a $650 allowance for closing costs, making it completely free to apply in most states! Some restrictions apply, so please contact the Credit Union for complete details.

NGFCU Home Equity Lines of Credit are available for qualifying properties, which include owner-occupied, 1 to 4 units in Arizona, California, Colorado, Florida, Illinois, Maryland, Oklahoma, Pennsylvania, Virginia, Washington and Washington, D.C. Subject to credit worthiness, income and equity verification.

*Consult your tax advisor for actual deductibility.

Time for a Spring Spruce up?Please Note...Changes are coming to our MasterCard statements! If you are an NGFCU MasterCard account holder, you will soon see many changes to your monthly credit card statement. Effective June 2012, these new Super Cool Statements (SCS) will feature many Super Cool features, including:

n New 8½ x 11 statement size and larger envelope

n The remittance slip will be longer and the remittance address will change

n To make it easier for you to visualize how your MasterCard payment fits into your budget, a convenient calendar will display the due date on the remittance slip

n Most importantly, the Account Information, Account Summary, Payment Information and Transaction Log will each be displayed in their own well-marked section, making the statement much easier to read

We hope you will find the new MasterCard statement layout Super Cool! If you have any questions, please feel free to contact the Credit Union.

PrObLeMS? iNquirieS?The Supervisory Committee has the responsibility to continually review the functions of the Credit Union to ensure that it is operating in the best interest of its members. Any ques-tions, suggestions or inquiries should be directed to:

Chairman, Supervisory CommitteeNorthrop Grumman Federal Credit UnionBox Number 3382Gardena, CA 90247-7082

Federally insured by NCUA.

PRSRT STD U.S. POSTAGE

PAID CUADVANTAGE

A Publication for Members of Northrop Grumman Federal Credit Union

Box Number 47009 Gardena, CA 90247-6809

CUAdvantage • 877.799.0784

www.ngfcu.us 1

MAy 2012

Scan the code below with a QR reader to

access our website on your

smartphone!

The ONLY Card YOu Need

Transfer higher rate balances and pay an4.99% APR

nuntil the transferred balances are repaid

nwith no balance transfer fee

What are you waiting for? Transfer your higher rate credit cards, unsecured loans or lines of credit and high rate student loans to the NGFCU MasterCard and start saving today!

Apply online at www.ngfcu.us or call 800.633.2848.

In addition to our on-site Norteller ATMs, Northrop Grumman FCU offers ATM access to a variety of ATM network locations, including

28,000 surcharge-free CO-OP Network ATMs. Simply visit our homepage, click the CO-OP ATM Network link, and use the

convenient ATM Locator Tool to find an ATM near you.

dragged down by an overloaded auto payment?

auTO raTeSas low as

1.99% aPr*to keep you moving

Let us lighten your loadRefinance from another lender and SAVE!

Simply stop by the Credit Union or visit www.ngfcu.us to apply today

*Quoted rate is the lowest available rate. Your rate will be based on your credit history and may be higher. Rates and terms subject to change without notice.

Main Office - Pacific Pointe879 West 190th StreetGardena, California 90248

Mailing address:Box Number 47009Gardena, California 90247-6809

Call Center hoursMonday through Friday5:00 am - 6:00 pm Pacific

Visit us on the internet at www.ngfcu.usMasterCard - Fee-free balance transfers at 4.99% APR until the transferred balances are repaid.