69th Annual Shareholders’ Meeting
Features Technology Information And Prizes

Navigator Credit Union members are invited to attend the 69th Annual Shareholders’ Meeting at the Jackson County Civic Center in Pascagoula on February 26, 2008. Nvision Bright…was selected as the theme for this year’s event which will provide members with information about how well their credit union performed during 2007 as well as insight into Navigator’s “Bright” future ahead.
Joseph V. Krebs, Jr., Chairman of the Board of Directors commented, “During the 69thAnnual Shareholders’ Meeting, we want members to ‘Nvision’ the endless possibilities that are part of our very “Bright” future. Every member-owner of Navigator can take pride in knowing that their credit union is equipped with stateof- the-art technology that provides the most convenient and secure products and services available!”
In addition to the commemorative mug, which is only available at the Shareholders’ Meeting, members will also receive a neon pen and handy back sack. Members must be present to receive these special give-a-ways and only one back sack will be allotted per attendee.
Be sure to bring your Annual Meeting postcard that was recently mailed to your home. This postcard identifies you as a member and serves as your registration for Navigator’s fantastic prizes which include an i-Pod Shuffle, Digital GPS and the Grand Prize of $500 cash! Members of every age are encouraged to attend this special event. Younger members will also have the chance to meet Navvi-Gator, the credit union mascot for the Super Saver’s Club.

Navigator Dedication To Honor Avara

Navigator Credit Union will honor the commitment and service of W.T. Avara, Jr., on Friday, April 18 as it officially changes the Northrop Grumman Ship Systems branch of Navigator Credit Union to the W.T. Avara, Jr. Building. The honor is bestowed on the late “Pete” Avara who served as President & CEO of Navigator Credit Union (formerly Ingalls Employees Credit Union) for more than 5 decades.
Joseph V. Krebs, Jr., Chairman of the Board of Directors and long-time Avara friend, commented, “It is truly significant that this building— which has stood the test of time and ravages of hurricanes—will bear the name of the man who demonstrated courage and strength as he led the credit union for more than 50 years. I know that I speak for all those who knew the spirit and character of Pete Avara. He will always be remembered as a man who deeply cared for his credit union members and helped anyone he could to enrich their lives.”
Following the dedication, guests will have an opportunity to tour the newly remodeled facility which features state-of-the-art teller stations, safe deposit boxes and drive-through service.

Enroll Today in Navigator e-statements and Bill Pay!

Take advantage of the convenient way to receive and view your monthly or quarterly statements on-line. With Navigator e-statements you will have more:

• Time – view your statement through ’N Touch Web days before you would receive it in the mail.
• Space – e-statements are archived for 15 months so reviewing past statements is as easy as the click of a mouse.
• Peace of Mind – knowing your e-statements are held in a highly secure environment, ready for you to view at any time.

Enjoy the ease of on-line Bill Pay through Navigator ’N Touch Web which allows you to:

• Save recurring payments, track payment history and determine the date every bill is paid.
• Have access to 24-hour support with a toll-free call center dedicated to Navigator members.
• Relax, knowing Navigator Bill Pay provides the “Check Free Guarantee” so you know your payment will arrive on time.

There is no charge for e-statements and members can utilize Bill Pay free for the first six months. For additional information, contact a Member Service Representative at (228) 475-7300 or (800) 344-3281.

Navvi Prize of the Quarter Winner

Navigator Credit Union would like to congratulate Alastair Callahan of Ocean Springs, Mississippi, winner of a giant Christmas stocking filled with toys. As a member of the Navvi-Gator Super Saver’s Club, Alastair was the lucky recipient of Navvi’s Prize of the Quarter simply by making deposits into his savings account.
The 11-year-old Super Saver has been a member of the Navvi-Gator Super Saver’s Club for nearly three months and is saving all of his money so he can purchase a 350Z when he turns 16. In his spare time, Alastair likes performing magic tricks just like David Copperfield. Congratulations, Alastair! You’re learning valuable lessons about saving and earning cool prizes at the same time!

You could be Navvi-Gator’s next winner. With each deposit you make into your Super Saver’s Club account now through March 19, 2008, you will receive an entry form for your chance to win “Baxter Bunny” and his basket full of games and toys.

Lochridge Scholarship Deadline Set

High school seniors wishing to apply for the Bobbie Lochridge scholarship need to submit an application by April 30, 2008 for consideration. This scholarship, in the amount of $1,000.00, will be awarded to a Navigator Credit Union member or a relative of a member, payable to the college of choice and issued upon enrollment.
Bobbie Lochridge served with distinction as Assistant Manager of Ingalls Employees Credit Union for nearly 40 years. Upon the passing of Mrs. Lochridge, a scholarship was established in her name in order to provide financial assistance to a deserving student interested in pursing further education upon high school graduation.
Applications for the Bobbie Lochridge Scholarship are available at any Navigator Credit Union location. Finalists for the 2008 scholarship will be contacted in late May to complete an interview with the Scholarship Committee. Following their selection, the winner will be announced in an upcoming edition of Navigator’s quarterly newsletter. If you have any questions regarding this scholarship, please contact Navigator’s Marketing Department at (228) 475-7300 or (800) 344-3281.

WRAP UP ALL OF YOUR GIFT GIVING AT NAVIGATOR!

VISA Gift Cards are perfect for Mother’s Day, Father’s Day and Graduation! Purchase a prepaid VISA Gift Card at any Navigator location for someone special in your life.

IDENTITY THEFT ALERT

Don’t Get Hooked by Phishers

Credit Union members have recently become a target to the latest identity theft scam known as phishing. Phishers use the Internet to steal money and personal identities.
Victims of phishing usually receive a fraudulent e-mail message containing authentic looking company logos and familiar graphics.
These emails may be personalized in an attempt to lure members to open the e-mail and divulge personal financial information that we already have (such as your account number) or information we do not need to know (such as your PIN). Once captured, phishers use your account information to steal money or create counterfeit ATM cards.
Please don’t fall victim to this scam. Navigator Credit Union will never ask for your username, password, PIN number or other personal information. Simply delete any e-mail that appears to be from your financial institution to protect your identity.

e-blasts Provide Instant Information

Navigator members can be kept apprised of important credit union information through Navigator e-blasts. This new service has already been used to warn members of one significant fraud scam but may also be used in the future to provide alerts such as changes in hours of operation due to severe weather. The service will occasionally be used to announce special promotional rates on loan and saving products and to ask for member feedback.
If you are interested in receiving e-blasts, contact the Navigator Credit Union Member Service Center or sign up at any branch by providing your current e-mail address.

Hamm Named to President’s Council

Navigator Financial Planning Services Representative, Jeffrey C. Hamm, has been named as a President’s Council performer for his outstanding accomplishments during 2007. Hamm, who provides a full range of financial planning services, is a CUNA Brokerage Services, Inc. (CBSI) representative at Navigator Financial Planning Services located at Navigator Credit Union in Moss Point. He earned this significant distinction by meeting specifically defined goals set by Navigator Credit Union and CUNA Mutual Group, which sponsors the CUNA Brokerage Services program.
President’s Council is the highest recognition a CUNA Mutual representative can achieve. “It’s an exclusive, elite group,” said Jeff Post, CUNA Mutual President and CEO. “CUNA Mutual has a performance-based culture, and the honor and exclusivity of qualifying for President’s Council is reserved for the absolute best of the best. These professionals have shown the dedication, the delivery and the determination essential in achieving our goals and continuing CUNA Mutual’s transformation process.”
Navigator Credit Union President & CEO, Laurin F. Avara, stated, “We are incredibly proud of Jeff—not only for reaching this milestone, but for earning this award so quickly after coming to Navigator Financial Planning Services. There is no doubt that he brings a level of knowledge and expertise to our members that truly enhances their lives.” Hamm, who has earned several regional and national Sales Awards since 1999, also earned his Bachelor of Science degree in Finance from the University of South Alabama.
He recently received the designation of Chartered Retirement Planning Counselor (CRPC) through the College for Financial Planning. The CRPC designation uniquely qualifies him to provide counseling on a wide range of retirement issues including distribution options, deferred compensation and managing sources of retirement income.
Hamm is a Registered Representative of CUNA Brokerage Services, Inc., a broker/ dealer offering a full portfolio of securities products, and a member of NASD. He is also a licensed insurance representative of CUNA Mutual Life Insurance Company.
CUNA Mutual Group is the leading provider of financial services to credit unions and their members worldwide. More information on the company is available on the company’s Web site at www.cunamutual.com.

Representatives are registered, securities are sold, and invesment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member NASD/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (866) 512-6109. nondeposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of our guaranteed by the financial institution. CBSI is under contract with the financial institution, throught the financial services program, to make securities available to members. CBS-A604-0707.

Navigator Offers Women’s Symposium

Women of the Gulf Coast have experienced the loss of possessions, the exhaustion of getting homes and lives back together and the frustration that has been part of life post- Katrina. After two years of recovery, many would welcome the opportunity for relaxation and renewal.
Navigator Credit Union is providing such a respite for all those who are in need of rejuvenation at the Navigator Women’s Symposium to be held at the Gautier Convention Center* Friday, March 28 from 8:00 a.m. to 1:00 p.m.. Cost for the event is $30, with a $10 discount for those registered by March 7.The symposium will feature three areas of focus: “Wealth, Wellness & Well-being”. Program presenters will provide insightful information about increasing assets, improving health and achieving balance. Keynote speaker for the event is Jon Gillis, a noted Fortune 500 motivational speaker.
Kathy Scarbrough, Chief Communications Officer for Navigator Credit Union, stated, “Navigator Credit Union has worked very hard to create a uniquely special event. The symposium will provide women with a chance for reflection and fun as we take time to nurture ourselves. We are especially excited about securing Jon Gillis who will have audience members laughing and crying as he shares his message of balancing life’s priorities.”
All participants will receive a free tote bag, continental breakfast and lunch. Everyone registered will be eligible for a number of prizes including the Grand Prize of a Spa Package valued at $350.00! Seating is limited. Please return the completed form below or call 474-3424 to register by phone.

Message from Navvi-Gator!

Hey Moms and Dads, your kids, from newborn to 14, may be eligible for the Navvi-Gator Super Saver’s Club program at Navigator Credit Union. For additional details, visit one of Navigator’s nine convenient locations or call (228) 475-7300 or (800) 344-3281 to speak with a Member Service Representative.