Fall 2019 Published for members of Novartis Federal Credit Union Make Your List, Check It Twice...Take Our Advice... DON’T JUST DREAM IT. DO IT! ...and Shop with Your Novartis FCU et your holiday shopping started with a trusted financial partner at your side - and Gin your . Novartis FCU has a Visa credit card to check off every item on your wish list: low rates, no fees and rewards!

We offer three VISA® Card options: • Platinum VISA Rewards with limits up to $25,000. We can help you find the • Secured VISA – with credit lines available equal to share balance perfect mortgage.* pledged. A great way to build credit. • Student VISA- which is limited to $1,000 with a qualified co-signer. urchasing a home is perhaps one of the most important and largest Celebrate the season knowing that you have a card to help with all your Pfinancial decisions you'll ever make. holiday expenses. Apply NOW* and you’ll have your new credit card ready in Having a dedicated professional to time for the holiday season. See the Visa Application icon on our home help you navigate the process can be page at novartisfcu.org. a real .

Don’t start your holiday shopping without a credit card from Novartis FCU! We offer a variety of mortgage Apply online or at one of the branches. programs, including: *All Visa Credit Card applications are subject to Novartis FCU lending guidelines and credit worthiness. Allow • Fixed rate mortgage with 15 business days to receive physical card in the mail. various length terms • Variable rate mortgage with Spend less, experience more! various length terms • Home Possible® Mortgage s a Novartis FCU member, you have been given a COMPLIMENTARY MEMBERSHIP to the Credit Union Rely on your credit union for making ATravel Club, an online travel booking site exclusively your dreams come true. for our members. Unlock real savings on hotels, CONTACT YOUR REPRESENTATIVE TODAY! cruises, vacation packages - save up to 65%... 877-885-4044 • 1700+ Hotels in 185+ countries You can also apply online 24/7: • 16 major cruise lines https://novartisfcu.org/banking/first-mortgage-dept/ • 175+ major airlines *Novartis Federal Credit Union, 124 South Ridgedale Ave, • rental cars, activities and more East Hanover, NJ 07936, 973-240-2200, NMLS # 242484. Licensed by the N.J. Department of Banking and Insurance. So why not take advantage of your FREE membership? More time on vacation, Programs available only to qualified borrowers. Subject to specific lending guidelines. Programs subject to change more money in your pocket and more of what matters to you most! Go to without notice. Underwriting terms and conditions apply. Some restrictions apply. This is not an offer for extension Credit Union Travel Club at cutc.com/novartis to verify your membership. of credit or a commitment to lend. Published for members of Novartis Federal Credit Union Making Your Holidays Merry & Bright GIFT IDEAS Visa Gift Cards - These are the perfect gift for that special someone for any occasion. PLUS, FREE card enclosure with each Gift Card! You www.NovartisFCU.org Email: [email protected] decide the value! No more being forced to buy set amounts! To purchase ______Gift Card(s), stop by any branch today! Gift Cards are $2.95 each plus the MAIN BRANCH amount you choose to load on each card. 124 South Ridgedale Avenue Presidential and State Coins - Buy One, Get One FREE! East Hanover, NJ 07936-3190 Phone: 973-947-1000 Presidential Dollars are official legal tender coins minted by the United States BRANCH HOURS: government, sometimes called “golden dollars”. We have 19 Presidents. BOGO - two for Monday - Friday $7.50 (regularly $7.50 each) 9:00 a.m. - 5:00 p.m. State Quarters - Each design is unique and honors the DRIVE-THRU: history and traditions of the state it represents. We have Monday - Friday all 50 states and 6 US territories. BOGO - two for $2.50 8:00 a.m. – 5:30 p.m. (regularly $2.50 each) ______Quantities are limited, available while supplies last at our Ridgedale Branch. CAMPUS BRANCH One Health Plaza BANKING ON THE ROAD Building 315 East Hanover, NJ 07936 Where do I get cash? Cash is never far away. Allpoint ATMs are in Phone: 862-778-8160 55,000 locations and are all surcharge free ATMs worldwide!* To find BRANCH HOURS: locations, go to novartisfcu.org/online-services/find-a-free-atm Monday - Friday *Foreign transaction fees may apply. 8:30 a.m. - 5:00 p.m. ______Where can I bank while away from my branch or traveling? Members have to CO-OP Shared Branching with over NOVARTIS CAMPUS ATM MACHINES 5,000 shared branches. Visit a shared branch and you can Located in the following buildings: make transfers, deposits, withdrawals, balance inquiries, • 125 • 339 loan payments and more. Simply provide your credit union’s • 200 • 345 name, your account number and present a valid photo ID. To find a location near your • 315 • 438 destination, go to novartisfcu.org, scroll to bottom and click on the icon.

HOLIDAY CLOSINGS See our Yes, You Can Save website for COLUMBUS DAY (Even During the Holidays) details. Monday, October 14, 2019 VETERANS DAY Monday, November 11, 2019 Seminars THANKSGIVING We offer many FREE seminars to our members called Lunch and Learn (lunch will be Thursday, November 28, 2019 provided!) Seating is limited and registration is required. BLACK FRIDAY Friday, November 29, 2019 OCTOBER 15TH • 12 PM - 1 PM CHRISTMAS DAY SOCIAL SECURITY AND YOUR BENEFITS Wednesday, December 25, 2019 OCTOBER 29TH • 12 PM - 1 PM NEW YEAR’S DAY HOME BUYERS WORKSHOP Wednesday, January 1, 2020 NOVEMBER 12TH • 12PM - 1 PM INCOME FOR LIFE - STRATEGIES TO PLAN FOR TOMORROW See all of the seminars listed at novartisfcu.org/events-and-holidays/

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