Celebrating Sixty Years of Supporting the Community

Celebrating sixty years of supporting the community

Special

SIX DECADES OF GMCU… From left (back), GMCU Branch Managers, Lonnie Roberts (Numurkah), Dave Drummond (Seymour), Jane Holt (Echuca), John Gilbert (Euroa) and Jenni Cogger (Benalla). (Front), Bronwyn Fyfe (Kilmore), Dallas Moore (Shepparton), Sharna Papoulis (Mooroopna) and absent, Jenni Dunne (Kyabram). Photo: Alicia Niglia.

2015 marks the sixtieth anniversary of central Victoria s member-owned Benalla; members of the parish pooled their and Kyabram banking institution the Goulburn Murray Credit Union (GMCU) savings so that those in need could gain In time, the credit unions moved away access to financial assistance from their parish roots, opening up new Back in 1955, credit unions were initiated financial freedom by saving money, so that The credit union movement grew opportunities for whole communities The to assist those within the community that more people within the community could strongly and before long other co-op independent organisations established the big banks wouldn t help; today the find themselves in a position to borrow owned credit unions began to appear boards and soon became regulated by the GMCU continues to focus on that simple Sixty years ago a simple co-operative across Victoria; in Seymour, then Victorian Financial Institutions Commission philosophy local people building their was started by a local church parish in Shepparton North, Shepparton South Continued on page 9

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65 Nixon St, Shepparton 5821 0777 www.smrlegal.com.au SMR Legal’s commercial and property team from left; Stephen Merrylees, Kelli Ritchie, Cassie Wallace, Mary Stewart, Nicole Demase, Nina O’Brien, Alex Sheed-Finck and W lliam Gubbins. Q and A with René On Pete Leahy s eti ement, the boa d appointed me gene a manage . My backg ound know edge of the many diffe ent facets of the business had given me a wea th of expe ience; guess that s what has enab ed me to fi this o e. was ucky to wo k unde both Roy Smith and Pete Leahy, they we e g eat mento s.” Q. You must have seen a lot of changes in your 42 years with the business; can you tell us GMCU Gene a Manage , René Deen has been about the most noteable? with the c edit union fo mo e than 42 yea s, A. “Things we e a ot simp e in the ea y days. The Adviser caught up with René to ta k a things As te e s, we ea y just p ocessed cash and GMCU… cheques fo ou custome s and oans we e a Q. How did you come to work for the credit ot sma e . Compute s have p obab y been union, René? the biggest change. Ove time compute s have A. “The Sheppa ton C edit Union was ooking fo changed se vice channe s, ike EFTPOS, ATMs, a manage which b ash y thought; because of nte net Banking, di ect payments and di ect YOUR LOCAL GMCU… GMCU Loans Manager, Ken Kilsby, Compliance Manager, Brett my banking backg ound, wou d app y fo . sti debits. Peop e don t necessa i y have to visit Elgar, General Manager, René Deen, Finance Manager, Rebecca Hearn, Operations eca Pete Naughton conducting the inte view. a b anch now that eve ything is on ine; the Manager, Peter Thomas and IT Manager, Paul Cross. Photo: Alicia Niglia. As it happened, they we e ooking fo somebody b anch used to be a bit of a p ace to catch up, with a management backg ound, but sti got peop e a ways an into each othe in the bank ucky and was appointed as a te e . and enjoyed a chat to a te e - in fact the e s a ot t was a foot in the doo and sta ting f om the that sti do.” bottom was a g eat ea ning cu ve; st ong y Q. What is it that has kept you working for the Head office on advise the youth of today to not shy away f om a GMCU for all these years, René? bottoms up sta t.” A. “ ve a ways oved the concept of peop e Q. How has your career progressed with the suppo ting peop e, that togethe with the GMCU? ext ao dina y g owth within the business which a regional scale A. “ t s been a natu a evo ution ea y, afte my changed the andscape constant y. expe ience in custome se vice, spent time A so, ve a ways been fo tunate enough to UNLIKE a lot of financial institutions whose head offices are based in our in va ious o es, f om supe viso , to b anch wo k with both a dedicated, functiona boa d capital cities, the GMCU s head office is regionally located in central Victoria manage , T, oans, ma keting, managing of di ecto s and have a st ong and ha dwo king ope ations and then deputy gene a manage . management team who sha e ou vision.” The head office is co-located with credit union s own finances including the GMCU Shepparton branch on liquidity and capital strategies and Fryers Street and manages all aspects also the processing of member of the credit union s operations transactions We Congratulate including strategic planning “Our compliance department ensures and implementation, regulatory that the credit union s procedures are compliance, IT, personnel, lending within both legislation and prudential David and Staff control and premises banking standards as well as working GMCU General Manager, René Deen closely with the audit team who said, “Our head office on Fryers Street monitors member transactions against on their would like to houses our executive managers as suspect or fraudulent activity well as all of our operations, finance, “The IT department is responsible congratulate compliance, IT and loans teams for an extensive network of hardware “In total, our head office consists of and software that supports our core just eleven staff, local faces that know banking activities and the loans team Goulburn how to simplify the process are responsible for loan approvals “Our operations team looks after and credit control our personnel, along with sales, “It means a lot to our members that Murray product management and any large we are, and continue to remain local 60 scale projects to them, they benefit from feeling like YEAR Credit Union “The finance team manages the a member – not a number ” ANNIVERSARY on their 60th GGIB highly values its relationship and partnership Anniversary with one of the most vital cogs in the Goulburn Murray economy Quality & Tradition Howard Cabinets T. 03 5821 7777 F. 03 5822 2916 301 Allan Street, Kyabram E. [email protected] www.ggib.com.au M. 0438 523 913 P. 5853 2322 22 Welsford Street, Shepparton, 3630

Page 2 – Special GMCU 60th Anniversary Edition - September 2015 Fraud, a proven growth industry

FRAUDSTERS are always keen to find ways to exploit the system or gain access to innocent people s money Usually, people first see increased activity in spam emails and phone calls; fraudsters are renowned for setting up an urgent scenario that usually results in someone downloading something to their PC or disclosing a bank code or card number

Fraud is a proven growth industry; they authorised the transactions and this is something the GMCU has if something seems suspicious we can recognised and as a result, the put a hold on any transactions or cards institution has invested significantly to prevent any further transactions in fraud control as a priority, following occurring whilst an issue is resolved a well-refined process and taking “We have also implemented a strategic steps to identify fraud second factor authentication on attempts and stop fraudsters in their internet payments to new payees, tracks where a unique SMS code is required The GMCU uses a unique software before a payment is made system, called Fraud Interceptor “Since implementing this function, that looks for unusual or suspect the result has been - absolutely transactions; this could result in an no internet banking fraud, where email or SMS to a member, all suspect our member has registered for this transactions are investigated by a service and in fact, some members dedicated Fraud Officer have contacted us to say that they GMCU Compliance Manager Brett received the SMS but were not making Elgar said, “We use specific tools to a payment look at card patterns that match known “In these cases we have been able to BE PROTECTED FROM FRAUD… GMCU Compliance Manager, Brett Elgar and Fraud fraud activity or online purchases that tell the member that they have possibly Offi cer, Jennifer Wilson. Photo: Alicia Niglia. fail verification just prevented fraudulent activity from “We contact our members happening and we can then take steps immediately, so they can let us know if to lock-out the fraudster permanently ” Products to suit all your needs… Let the GMCU help you better manage your accounts LOCALLY owned and run, the GMCU is a community institution that has been meeting the financial needs of its customers since 1955; now offering a huge breadth of products and services that are designed to meet the needs of its entire member base, regardless of their financial position. The Directors & Staff of From transaction and straightforward Christmas expenses – members accounts that can help manage your can make regular deposits Opteon Property Group salary, to high interest investment throughout the year until funds wish the GMCU sincere congratulati ons on accounts, the branch staff at the GMCU are released in November the signifi cant achievement of their 60th are there to advise you of the account • An iSave Account, a that best suits your needs savings account accessed anniversary, and for being such an integral Talk to your local branch staff about: exclusively online part of the greater Shepparton community. • A Personal Account, for your • A Bonus Saver Account, a day-to-day banking savings account that earns • A Reward Account, a personal bonus interest in a month where transaction account with fee rebate you make a deposit of at least Opteon for qualifying large depositors $20 and no withdrawals Independent property advice and valuati ons and Home Loan borrowers • A Cash Management Account, • A 55Plus Account, a transaction a savings account with higher with offi ces in Shepparton, Wangaratt a, account for persons aged 55 returns for higher balance accounts Benalla, Wodonga and Whitt lesea years and above and who • A Fixed Term Deposit, an www.opg.net no longer work full time investment which pays a fixed • A Business Account, a day-to-day return over a set term - you transaction account for businesses can choose a term from three • A Community Account, a months up to 24 months and transaction account for eligible can lodge as little as $100

not-for-profit groups Gou bu n Mu ay C ed Un on Co-Ope a ve d • A Christmas Club Account, a ABN 87 087 651 509 A S / Aus a an C ed cence No 241364. (Te ms & cond ons, ees savings account to help budget for & cha ges, and e g b y c e a app y). Special GMCU 60th Anniversary Edition - September 2015 – Page 3 Save automatically With a Payroll Allocation split across your accounts It is easy to forget to make a loan What are the advantages? payment and it s even easier to • Automating the split means you overlook paying yourself will not forget to pay a loan or to The GMCU can help you get ahead add to your savings by splitting your regular payments • The split is made before the between your accounts, dividing payment is received, so it can t be HASSLE FREE TRANSACTIONS… The GMCU rediATM network oﬀ ers GMCU your allocated amount between your spent by accident members the chance to use any of the organisation’s 3,000 rediATMs across Australia without receiving direct charges or transaction fees. loan/s, spending account and savings • The split does not delay your Photo: Alicia Niglia. account payment When you receive a regular direct payment to your GMCU account; like How are payments allocated? a salary or Centrelink payment, you You can ask the GMCU to set up a The GMCU together can request the GMCU to split the dollar allocation or a percentage payment amongst your accounts allocation A dollar allocation splits With a Payroll Allocation the GMCU set amounts; for example $100 to with rediATM provide split the payment before it credits your loan and $20 to your savings your account so it doesn t incur extra whereas a percentage allocation fee-free transactions transaction fees on your account splits a set portion, for example 30 percent to a spending account and LOOKING to minimise or completely avoid your ATM transaction fees? Then 10 percent to Christmas Club look no further than the GMCU. In any case, the remaining amount will be paid to an account which The GMCU partners with rediATM; to users since the early 1980s and is you specify one of Australia s largest ATM networks committed to prioritising the delivery in order to provide the community, of a safe, secure and convenient ATM both members and non-members alike service for all cardholders with even more benefits Although all rediATMs display the We make it easy for your business to look good. Collectively, the rediATM network rediATM logo, you may also notice services over nine million Australian that some of the ATMs are co-branded debit and credit card holders and These brands are displayed on accommodates partnerships of behalf of rediATM s partners Even more than 100 financial institutions though you may not bank with these including both independent credit financial institutions, they are a part Coming Soon … unions like the GMCU, as well as the of the rediATM network and as such, big banking organisations like the NAB customers can use these ATM without Talk to us about opening your own and BOQ receiving any direct transaction fees company portal for a complete online The rediATM network is The GMCU owns its own ATMs, which independently owned and operated are also part of the rediATM scheme quoting and ordering system by Cuscal, this means that partnering GMCU Operations Manager, Peter institutions, such as the GMCU and Thomas, said, “The GMCU has almost ~ made easy! its cardholders can use any of the completed a full upgrade of our own organisation s 3,000 rediATMs across ATMs With the latest in anti-fraud Remember… Willprint will print. Australia without receiving direct chip technology, and modern screen charges or transaction fees displays, our members can be assured Cuscal, together with its network of a safe and secure ATM experience” willprintshepparton.com.au partners have provided ATM access 51 Drummond Road Shepparton [email protected] au 03 5831 6565 “We’ll back our service any day of the week” In the past 12 months Just like the GMCU has done for at the GMCU… • Over 6,500 new accounts have been opened • More than 93,000 teller transactions have been processed across the 9 branches; worth more than $170M • Over 158,000 member-generated transactions have been Years processed using telephone or internet banking worth $111M • More than 347,000 direct entry transactions worth $174M have been processed • 487,000 card purchase transactions worth $47M have been processed • Over 2,000 new memberships have been processed Congratulations • More than 1,500 new loan applications have been processed

Page 4 – Special GMCU 60th Anniversary Edition - September 2015 Goulburn Murray Credit Union The role of the board

THE GMCU board of directors is made up of seven key members; who ultimately assume responsibility for the credit union’s financial and general performance.

Along with applying governance recently completed extensive work, and prudent control of members benchmarking their operations against invested funds, the board also plays ASIC s suggested good practice a major role in mapping and further principles for Australia s largest developing the institution s strategic listed companies This had led to direction the adoption of policy and process After reviewing the credit union s changes, to ensure GMCU s corporate mission and values statement last operations are meeting the highest year, the board developed a concise standards possible statement, which in summary, equated The Adviser caught up with Board to – the vision of the GMCU to be of Directors Chairman, John Lyle to the primary financial institution for find out what it is that has him coming the local community in which they back year after year to contribute to service A mission to deliver banking the future of the GMCU products and services that meet the John said, “After consulting to the needs of members and sound values directors for a time, I joined the board to always act within integrity, whilst over 20 years ago In my time I have being progressive and responsible and seen the GMCU help a lot of people always striving for excellence and community organisations I get DEVELOPING FUTURE DIRECTON… From left, GMCU Directors, Frank Mandaradoni, It is this mission and core values that a great satisfaction out of seeing the Rob Morris, Fiona Merrylees (Deputy Chair), John Guilmartin, John Lyle (Chairman), are the foundations of the GMCU s GMCU do so much for the community Geoﬀ Cobbledick and Fred West. Photo: Alicia Niglia. future, they now underpin the board s “We work hard to produce products strategic planning process, providing that are equal to that of the big banks to the future of the GMCU, believing more time to the board which is my the structure and focus for the as we are now regulated in the same in its position as a good community contribution to helping to make a planning of new ventures way citizen For me personally; now that difference within the community ” The board of directors have also “The board members are committed I am retired I am able to devote even

Special GMCU 60th Anniversary Edition - September 2015 – Page 5 A timeline of

GMCU Branches 1985 1982-2005 Shepparton WITH a proud heritage of supporting local communities across central and northern Victoria, the GMCU has grown from the amalgamation of five independent credit unions, a history that dates back to 1955. In its 60th year, the GMCU now has ten branches located throughout regional Victoria; in Shepparton, Mooroopna, Numurkah, Kyabram, Benalla, Echuca, Seymour, Euroa, Kilmore and Violet Town.

1982 Seymour Formed in 1963, as the St Mary’s Seymour Co-Operative Credit Society Limited, the Seymour Credit Union occupied offices in Tallarook Street, then the old town hall, before moving to its current location of 72 Station Street, Seymour in 1980. Since the merger the Seymour branch has grown In 1965 two credit unions were its membership by over 60 percent. to service the financial needs of from St Brendan’s and St Mel’s. limited to only the local parishio operation was almost impossib later these two credit unions we 1984 the Shepparton District Credit U On March 1, 1970 - the followin Numurkah Credit Union became registered residing within 15 miles of the S as well as those who shopped re The business operated from a p Street, then moved to 12 Fryers 341 Wyndham Street. In 1978 t to its current premises at 92 Fry In 1985 the Shepparton Credit U Credit Union as the organisation

The Numurkah Credit Union was first established in 1972 with the support of the Goulburn-Hume Region Alliance of Credit Unions, it occupied premises at 66 Melville Street, then later moved to its existing COMMITTED TO KEEPING premises at 102 Melville Street BUSINESS LOCAL before joining the GMCU in 1984. Moretto Building wish to congratulate The GMCU on 60 years of operation. 1985 We have enjoyed a long history having been Kyabram involved in many of their building ventures The Kyabram and District Credit Co-Operative Limited was first formed with just eleven members in 1966 and operated from the St Augustine’s Parish Hall. In 1968 the branch later moved premises to 228 Allan Street, Kyabram and to its current location, 145 Allan Street in 1974. Commercial & Domestic Building In 1985 the independent institution had Ph: 03 5831 4065 $6.9M in deposits and $4.9M in loans. 113 Va ghan St, Sheppa ton Since then, the Kyabram branch has E: info@mo ettob i ding.com.a mo ettob i ding.com.a grown both member loans and member deposits by an impressive 400 percent.

Page 6 – Special GMCU 60th Anniversary Edition - September 2015 2003 Kilmore In 2003 it was decided to establish a new branch of the GMCU in Kilmore, the branch officially opened its doors on August 12, 2003.

2005 Euroa & Violet Town

2005 Benalla The Benalla St. Joseph’s Co-operative Society Limited was first registered in 1955 and later re-named Benalla Citizens Credit Co-operative Limited. Euroa was opened as a branch of North In 1996 the ‘co-op’ became the North East East Credit Union in 1996, and Violet Credit Union Co-operative. Town was opened as a branch in 1997. Up until 1994 it operated from a premises at 50 Bridge Street, established in Shepparton Both branches were a part of the North before later moving to the current premises at 32 Bridge Street. of the local parishioners East Credit Union and became branches In 2005 North East Credit Union amalgamated with GMCU. But as the member base was of the GMCU with the merger in 2005. The Benalla branch has grown substantially since the merger, oners, a growing business member deposits have more than doubled and loans granted le to achieve and four years to members have increased by a further 250 percent. ere amalgamated, forming Union Co-operative in 1969. ng year, the Shepparton d to serve all people Shepparton post office, egularly in Shepparton. premises in High QUINNS s Street and later to he business moved yers Street. Union merged with Kyabram UNIFORMS n became GMCU. We take is now trading this special under Shepparton’s opportunity to Hip Pocket congratulate the 1985 GMCU on 60 Mooroopna Work Wear & Safety great years Due to the growth in Mooroopna’s population and an increase in members joining the credit union, the GMCU decided to open a new branch office in the town in 1985. The Mooroopna branch allowed GMCU’s members even better access to services.

1985 Echuca Echuca’s Rich River Credit Union was first formed as a branch of the Kyabram Credit Union, in 1984 and began operating from a You can ﬁ nd all these leading premises in Pakenham Street. brands under the one roof Just 12 months after establishment, 189-197 High Street, Shepparton in 1985, the decision was made to PH: 5822 4460 merge both the Kyabram and Echuca branches with the Shepparton Credit Supporting businesses and Union as the ‘co-op’ became the GMCU. industry for over 10 years

Special GMCU 60th Anniversary Edition - September 2015 – Page 7 Members benefit from partner alliances

THE GMCU offers access to products and services from a range of specialised partners. These third party arrangements allow members access to first class products from the convenience of their local GMCU branch.

GMCU General Manager, René regarding their future, through LONG TIME MEMBER… Long time GMCU Member and former Board of Directors Deen said, “After completing extensive financial planning Chairman, Peter Naughton with GMCU Branch Supervisor, Rhyll Hicks and extensive product and provider services Member Service Oﬃ cer, Ashlea Pearce. Photo: Alicia Niglia. research, the GMCU enter into By liaising with reputable partnership arrangements with providers and offering competitive product suppliers that can be of features and pricing, the GMCU An advocate for people benefit to our members assures its future by remaining “We always look to ensure that we relevant in the marketplace are offering products and services Community focused institutions supporting people that are both relevant and useful to such as the GMCU thrive when their our customers ” members thrive; so whilst member PETER Naughton has been a member of the credit union since the early ‘co-op’ The GMCU offers members deposits are the very foundation days in the mid sixties; Peter was the Shepparton Credit Union board of director’s access to private health insurance in which the organisation is built second chairman after many years as a board member. through GMHBA, general, car and upon; it is imperative that the loan insurances through Allianz; shareholders financial position Peter said he, “Really aligned with the nature of the co-op and the guiding Western Union, Travelex and Access progresses By partnering with principle of people supporting people ” Prepaid provide international businesses that support, and can Peter was instrumental in the Shepparton Credit Union s Community payment products and travel cards assist with further developing Promotion Program in the 70s; which was a campaign built to source small through the GMCU, as do CitiGroup financial security, members can deposits from a large pool of community members in order to build the capital with their credit cards and Bridges maximize their investment in the that really got the credit union going provide members with solutions institution Product innovation

INNOVATIVE SOLUTIONS… David and Lyn Parsons enjoying the innovative products and solutions available at the GMCU. Photo: Alicia Niglia.

IN May this year, the GMCU introduced a ‘limited time only offer’ of a home loan rate of just 2.69 percent p.a.

GMCU Finance Manager, Rebecca including the recent shift to online Hearn said, “We decided to offer the banking local community a home loan rate This new era not only includes which was the lowest the GMCU had online banking products; but also ever offered; and which we believe overcoming nuances like making was the lowest available anywhere sure web pages and log-ons are in Australia compatible with iPad and the latest “We made a strategic decision smartphone screens to increase low risk lending as Rebecca added, “In keeping a prudent approach to capital with the continual management of and liquidity management, and member expectations, the GMCU as a result, over the course of the is currently investigating app campaign we saw our loan demand solutions that will take members We’re proud to play a part in the double and a great increase online experience that one step in member numbers, which is further ” GMCU’s 60 years of success a fantastic result for both the Early discussions have been held organisation and the community ” with suppliers around features Carpet • Vinyl • Vinyl Tiles The GMCU has worked tirelessly and usability for the application; over the years to continually meet with ongoing discussions still to the demands of its members; be held about device compatibility providing support to its customers particularly with the introduction of through many transitional phases, Apple s tap and go payment option Page 8 – Special GMCU 60th Anniversary Edition - September 2015 The community’s bank

AS the GMCU is a not-for-profit customer owned institution, the organisation prides itself on giving back to the local community in the form of a range of sponsorships and scholarships to a large number of local organisations and sporting groups

One such organisation that the GMCU has held a long affiliation with is, the Victorian based Georgy Awards Association Inc which supports and promotes emerging young musical and dramatic talent within regional Victoria Annually the GMCU offers a grant Proud to be associated with of $2000 to a student in their final Goulburn Murray Credit year of secondary education The Union. scholarship is open to VCE students and candidates can be nominated SUPPORTING THE COMMUNITY… GMCU General Manager, René Deen with Joyce Congratulations on 60 by their relevant schools or through Baker-Dawber from the Georgy Awards Association Inc. Photo: Alicia Niglia. years in business. involvement in the local performing arts community The annual cash grant Victoria are an essential part of our sponsorship and annual scholarships Crowe Horwath... providing practical accounting, business, audit and is awarded to a young artist who shows communities They bring people help us to continue to provide ﬁ nancial advice for over 120 years. interest in furthering studies in the together and give young people a alternative options for young people ” performing arts and is to be used for chance to still be a part of something, Each year the GMCU puts Connecting you with your choice of costs associated with development, particularly if they re not into sports thousands of dollars back into its services and people who are easy to work with. travel or tuition in pursuit of their “We have an abundance of local local communities, in the form of road chosen artistic field talent and the Georgy Awards allow us safety, sponsorship, and donations to Attracting and investing in the best people to get the best outcome for you. Georgy Awards Association Inc to celebrate that The awards also look schools, sporting and service clubs, President, Joyce Baker-Dawber said, great on a young person s resume emergency service groups, volunteer We see you from a different angle. Talk to us about how we can help “The performing arts in regional “The GMCU s support through organisations and the like you.

Tel 02 6021 1111 www.crowehorwath.com.au/albury

The relationship you can count on Celebrating sixty years Audit | Tax | Advisory | Financial Advice of supporting the community

THESE community-owned institutions stayed true to a co-operative culture and the communities supported their town s credit union through patronage and backing membership drives which helped to further drive branch growth

Continued from front page apply for, and maintain the same In 1972 a number of local licenses as the major banks in order credit unions recognised another to be able to offer products community in need of a credit Credit unions must also have union and so they came together a sound principle of responsible to support the community of lending and prudent management Numurkah to establishment its own of depositor funds independent credit union Throughout this journey, credit Between 1982 and 1985 the unions have always focused on the five regional independent credit community, the ethos has always unions; Seymour, Shepparton, been to better our communities Echuca, Kyabram and Numurkah and to offer comprehensive, simple joined to form the institution solutions for people to manage now known as the GMCU; before their money In modern terms, merging in 2005 with the North this means offering a full range East Credit Union, and its branches of banking services; accounts, in Benalla, Euroa and Violet Town loans and insurances, whilst also Over the years our governments providing a friendly local face have built sound guidelines and short queues It might sound around offering banking products like a simple philosophy – and it and services, and nowadays is, sometimes simplicity is exactly credit unions are subject to the what the community needs mainstream Banking Act; they must Special GMCU 60th Anniversary Edition - September 2015 – Page 9 Dallas Jenni Jane Meet the Moore Cogger Holt Shepparton Benalla and Echuca Branch GMCU Branch Manager Violet Town Manager 91-95 Fryers St, Branch Manager 2/130 Hare St, branch Shepparton 32 Bridge St, Echuca Ph. 5821 9033 Benalla Ph. 5482 5333 SHEPPARTON Ph. 5762 3380 JANE Holt took managers Branch Manager, JENNI Cogger first on the role of Dallas Moore has started working GMCU Echuca THE GMCU branch managers been with the part-time, one day Branch Manager are an integral part of the GMCU GMCU for the last 8 years and says a week with the in February 2014, happily management team, providing he has, “Found the opportunity to GMCU Benalla branch back in March returning to work with the GMCU support and guidance to their provide people with an alternative to 1998 Jenni had filled a number of - having previously worked at the branch staff and representing their the big banks, very rewarding ” different positions within the branch GMCU Benalla Branch for four respective branch within their local Dallas studied at university to before taking on the Branch Manager years; before having a temporary communities. complete a Bachelor of Business and position full time in August, 2007 career change and becoming a Passionate about the co-ops achieving an Accounting Major as well Jenni said she, “Enjoys getting to Co-Manager of Moama s Maidens founding principle of people as Minors in Law and Economics and know the local members and being Inn Holiday Park supporting people; the GMCU s nine a Diploma of Education (Accounting) able to understand their position and Jane said, “It s been a really branch managers lead the way in Dallas said, “Following my studies help them with their needs ” positive move; the move to Echuca/ supporting their members - which I worked in varyious accounting roles Jenni currently holds the position of Moama, both myself and my family means more than 20,000 local for close to 20 years, but I came to secretary of the local Benalla Business really enjoy living in the region people within the community also look for a more people-focused role, Network (a chamber of commerce “I love that I ve come full-circle depend on this team every day so when an opportunity came up at initiative) and has been involved and am working back with the GMCU branch managers can the GMCU in 2007, I decided to take it with the group since 2007 and has GMCU again, I m working within a be contacted by phoning the local “I enjoy working for the GMCU, an played an active part of many local vibrant (but different) community, branch and are more than happy to institution that not only operates promotions including local Business with an employer that actively talk to members directly about their for the community but is also a not Awards encourages us to support and personal or business banking needs for profit organisation The ability Jenni said she, “Enjoys being a participate in many community The GMCU also conduct all their to support local charities and part of such a vibrant and proactive activities and initiatives ” business in-branch - not through call community groups through providing team and is proud to be part of an Jane is supported by her centres; so whether you are opening sponsorship, is very rewarding to be organisation that so actively supports committed team in Echuca; Sue an account or applying for a loan you a part of their local community ” Teasdale, Jess Warner and Tia can be sure that you ll be speaking to “The Shepparton GMCU Branch is Jenni is supported by the Benalla Dole, who she says all have a great a friendly local the largest in the group and employs team; Supervisor and Loans Officer, rapport with local members 12 staff, some of which have been Melody Komen and Customer Service with the GMCU for more than 20 years Officers Jaime Hill, Loni Stickland, which is a great indication that it is a Sophie Connor and Doris Arendt Congratulations to satisfying place to work ” the GMCU on Sharna branch located in Mooroopna when she accounts and insurance to all aspects of 60 wonderful years first applied for a position with the credit lending ” Papoulis union Sharna believes that starting out with Mooroopna Sharna took on the role of a member direct customer service has enabled her Branch Manager service officer in 2011 and remained in to build solid foundations and strong 112c McLennan the position until the opportunity arose in rapport with the members St, Mooroopna 2013 to take on the branch manager s role Sharna said she thrives on providing Ph. 5825 1999 Sharna said, “I jumped at the chance great customer service and with her team T h e G M C U to take on the role, I was up for the of two Member Service Officers, Amanda Mooroopna Branch challenge and I dove in head first ” Brereton and Amy Fiore they work hard at Manager, Sharna Sharna said, “In Mooroopna we offer providing the best possible experience Papoulis said that everything that our Shepparton head for their members she didn t even realise that there was a office branch offers; from business

Congratulations to everyone at the GMCU

LMTC 7531 on your milestone 60th anniversary Congratulations to for Congratulations to GMCU from Paul & Staff 60 successful years GMCU on their in business • Interior & exteriors 60th Anniversary • Renovations & new properties • Residential & commercial environments Locally owned & operated • Wallpapering water cooler filters – never pay • Anti-grafﬁ ti treatments Supporting the community for bottled water again for 35 years “We take pride in every job we do” Craig McIntyre 0466157 023 205-215 Benalla Rd Shepparton e: [email protected] 11 Plane St, Ph 5821 6688 Shepparton www.kenmuston.com.au 73 Fryers St, Shepparton 5821 4011 5822 1821 Page 10 – Special GMCU 60th Anniversary Edition - September 2015 Bronwyn Lonnie Jenni John Fyfe Roberts Dunne Gilbert Kilmore Branch Numurkah Kyabram Branch Euroa Branch Manager Branch Manager Manager Manager 85a Sydney St, 102 Melville 145 Allan St, 36 Binney Kilmore St, Numurkah Kyabram St, Euroa Ph. 5781 1221 Ph. 5862 2894 Ph. 5852 2211 Ph. 5795 1771 BRONWYN Fyfe RECENTLY Jenni Dunne EUROA Branch first joined the appointed GMCU first started Manager John GMCU in May Numurkah Branch working in the Gilbert joined 2006, three Manager Lonnie finance industry t h e G M C U i n years after the branch was first Roberts, was previously part of the over 27 years ago, commencing her 2008, after a 25-year history with established management team at Numurkah career with the CBA, back in 1988 the State Bank of Victoria, and Bronwyn said, “My first job fresh Golf and Bowls Club before coming Jenni said, “I worked my way more recently 16 years in various out of school was with the NAB I to the GMCU in December 2014 up the ranks from mail clerk to administrative roles across the left the role with them in December Lonnie said that through his Branch Manager before I left the Goulburn Valley of 1998 - at that stage I had three position at the GMCU he now, organisation in 1999 to start my John said, “My career has been kids, aged nine, eight and four “Enjoys having the opportunity family I now have three beautiful driven by a strong work ethic of “I had a change of career to work with a number of children who attend the local customer service and that fits well and became involved with the community organisations that all Kyabram P-12 College with the GMCU business structure ” thoroughbred industry before play a vital role within his local “In 2001, I started my own Until recently and for the past joining the team at Kilmore Racing community,”adding, “It s been great mortgage broking business, which six years; John held the position of Club as administration officer Then to take up the challenge of working I ran as a home-based business I President of Business Enterprise in in 2006 the opportunity to join the in a new industry, yet still be able achieved my Diploma of Financial Euroa - the local traders group GMCU as a member service officer to see a lot of familiar faces, that s Services in 2006 and began working John also has a keen interest came up and I decided to take up one great aspect of working within with the GMCU in 2008 in his family s genealogy and is the opportunity the Numurkah community ” “I am proud to represent the GMCU currently writing a book on One “Now in the position of Branch Lonnie is supported by GMCU and it s a pleasure to work for such Hundred Years of Euroa and District Manager at the Kilmore GMCU, Member Services Officers, Carly a friendly, community orientated Cricket I enjoy the diversity of the role, Gittens and Kim Donnelly, who local business who sponsors a large The GMCU Euroa branch is also and overcoming general everyday he says, “Play an integral part in number of community organisations well served by Debra Hoare and challenges that arise offering the friendly service that “At the Kyabram branch we have a Paula Spencer, whom John says are, “The satisfaction of being able to the Numurkah branch is renowned great team of local member service “Local lasses who share the same assist people to reach their dreams for.” officers in Kathy Cooper, Barb Ryan, customer service work ethic ” through providing finance and Rebecca Clarkson and Kristy Day; we loan product options is an amazing pride ourselves on having enough position to be in, it s both satisfying staff to support a good old fashioned and fulfilling ” customer service model At the GMCU you are not just a number and our service reflects that ” Congratulations Dave Dave reca s, “Whi e studying to pursue by writing a cheque.” an accounting path in Shepparton, Soon after, a new branch was opened to the GMCU Drummond app ied for a position as a te er, at the at Mooroopna, where Dave spent a on 60 years Seymour and Alexandra then, Shepparton Credit Union. further 12 months before returning to the Branch Manager “ n 1983 the credit union approached Shepparton office as a oans officer. in business 72 Station St, Seymour my schoo for potentia candidates, and n 1991 the opportunity arose to move Ph. 5792 1075 as it turned out was fortunate enough to to Seymour and take on the ro e of branch I would like to become one of the successfu app icants. manager, which Dave accepted. personally thank the DAVE Drummond GMCU for pushing me to has been the GMCU “We had very basic computers, that he Seymour GMCU Branch supports create better television Seymour Branch were more ike word processors. Banking a number of sporting c ubs across the and radio commercials and, Manager for over 24 was simp e back then, everyone was greater community, inc uding Seymour, more importantly, for the years, but has spent a tota of 32 years paid by cheque; they wou d come in and Avene and Nagambie and now emp oys a friendships I hope will with the organisation. deposit, then withdraw by either cash or tota of 9 staff. last equally as long as this incredible anniversary! Nigel Parsons Luke and the team OFFICE FURNITURE Producer/Director congratulate the GMcu SPECIALISTS 0499 103 259 on their 60 year anniversary ALL work GuArAnteed 24 hour towinG service

Congratulations to René and the team at Goulburn Murray Credit Union. We look forward to working with you for the next sixty years.

Accredited insurAnce repAirer 29 DRUMMOND RD SHEPPARTON 25-29 Watson Street P l 1800 772 726 03 5443 0344 Shepparton VIC 3630 F l 1300 763 805 E l [email protected] afsbendigo.com.au T: 03 5821 3914 Email: [email protected] www.allstoragesystems.com.au www.woollardsbodyworks.com.au Special GMCU 60th Anniversary Edition - September 2015 – Page 11 Allianz Insurance now with access to Emergency Home Assistance

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Goulburn Murray Credit Union Co-operative Limited ABN 87 087 651 509 AFSL 241364 arranges this insurance as agent of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No 234708 (Allianz). Policy terms, conditions, limits and exclusions apply. Before making a decision about insurance, please consider the Product Disclosure Statement available from Goulburn Murray Credit Union at gmcu.com.au. 1 12 months’ Emergency Home Assistance membership - Offer valid for new Allianz Home Building, Contents or Landlord insurance policies purchased through your financial institution from 5 October to 27 November 2015 – Property owners only. 12 months’ Emergency Home Assistance membership provided by AGA Assistance Australia Pty Ltd ABN 52 097 227 177, trading as Allianz Global Assistance. Full terms, conditions, limits and exclusions available at allianz.com.au/eha_campaign. 2 Up to 12 months’ insurance cover for the price of 11 offer - New Home Building, Contents or Landlord insurance policies only. Available only for policies purchased in-branch and cannot be used in conjunction with any other offer. Minimum premiums may apply. Any discounts/entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements.

Page 12 – Special GMCU 60th Anniversary Edition - September 2015