LUMINUS FINANCIAL NEWSLETTER | SUMMER 2011

Welcome to our new newsletter, with our new name and logo! For all of us at Luminus Financial, this is the start of a new era in our development as a credit union. We are very optimistic about our future, and very committed to ensuring that our new brand image represents the very best in financial services for each and every one of our members. “We will live up to the promise of our Values Statement,” says Board Chair Michael Mozewsky. “When you deal with us, you will know that we are adaptable, responsive, committed and co-operative.”

Our Chair’s enthusiasm is shared throughout the organization. “One of the most important things Luminus Financial does is listen to our members’

needs and connects with them,” says Carol Hopkins, a financial services officer at Luminus Financial. Penny O’Hare, a branch manager, emphasizes that she wants ‘Clearly better banking’ to be, “a reality, not just a slogan.” Kendra Wright, in member services, points out that the staff at Luminus Financial are also members who “take pride in making a difference.”

INSIDE THIS ISSUE:

■ Find it all on our new website

■ Simplify your summer with a Luminus Financial loan

■ Luminus Financial honoured for marketing excellence

■ Our best referrals come from you

■ Promise to members New website launched!See page 2

A new look. A continuing promise.

LUMINARYThe

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Find it all on our new website at www.luminusfinancial.comGet a quick update on your account activity. Transfer funds. Check out loans and mortgages, and apply on-line for quick pre-approval. Pay bills – or set up automatic payment dates so you never have to worry about missing a payment. Locate your nearest ATM. Figure out how much you will need to save each month in order to retire. These are just a few of the benefits waiting for you at luminusfinancial.com – which you can access from almost anywhere in the world.

The new Luminus Financial website uses a very successful model adopted and refined by credit unions across Canada. Members and prospective members will find it easy to navigate, whether you’re looking for a particular service such as insurance or credit cards, or whether you are interested

in the history of Luminus Financial, information about our governance, or bios of our staff.

The site also has some very cool tools and calculators. You can create your own personal budget and explore ways to strengthen your financial position. You can compare our rates on a car loan vs. what the dealership is offering you. And you can also find out how much in Member Rebates you would have earned on your mortgage by using our MoreGauge Calculator. It’s well worth a visit to see what interests you.

You can do all of these things in a very secure web environment. The Luminus

Financial site uses the latest in security technology for online banking. Every effort has been made to prevent identity theft or any other inappropriate or illegal activity online. In short, it is an excellent way to save you time and money. Of course, we also are very pleased to speak to you or meet with you at your convenience. ■

Want to add more sunshine to your summer this year? A Luminus Financial loan at 4.00% can erase the clouds of credit card debt with high interest rates, and save you hundreds of dollars in the process. It can also

help you get the most out of your summer with a new boat, renovations to your cottage, or that trip to Europe you’ve always wanted.

Borrowing in the right way can save you money in other ways besides erasing credit card worries. For example, a pre-arranged line of credit loan is always there any time you need it. You can use it, pay it back (or any part of it) and use it again. With this type of loan, you can take advantage of seat sales or a great bargain that you come across, such as a deal on a recreation vehicle.

Another example of how a Luminus Financial loan can save you money is the concept of a “staycation” – a growing trend across North America. Rather than going away for your vacation this summer, consider the value of improving your home’s outdoor living area. Water features (including a pool or hot tub), an enhanced patio

area, an outdoor cooking centre – all of these can make staying home a real pleasure, save you significant travel costs, and add permanent value to your home. As one staycation advocate put it, “I spend most of my year going to and from work in my car. Why do I want to spend half of my vacation or my weekend in my car? Think of the cost of gas, too! By investing in my home, I have more time to truly relax and enjoy life, without extra expense or hassle.”

Speaking of eliminating hassle, getting a Luminus Financial loan is a simple process. You can apply online 24 hours a day, 7 days a week, or call your Luminus Financial branch. We can help you decide on the best type of loan and terms to suit your personal needs, so that this summer can be one of your best ever!

What’s even better is the rate! For a limited time, all variable rate personal loans are at 4.00%! Call 416.366.5534 or 1.877.782.7639 for full details. ■

* See in branch for full details.

Simplify your summer with a Luminus Financial loan at 4.00%*

Luminus Financial honoured for marketing excellenceMay 31st was a special day for our credit union. At the awards gala of the Marketing Association for Credit Unions (MACU), our CEO, George De La Rosa was presented with an AIME award for Achievement in Marketing Excellence. It’s the top award category for MACU, and is selected from entries submitted by credit unions across Canada.

The winning entry from Luminus Financial was for our “Coffee’s on the House” mortgage campaign – which featured a prominent coffee mug stain on all the posters and other promo materials. The results from the campaign, in terms of the total value

of mortgages that came in, were four times the results from the year before.

“Winning this award is gratifying for more than one reason,” commented George De La Rosa, CEO of Luminus Financial. “First of all, the outstanding success of the campaign shows that we have financial products such as our mortgages that really do meet the needs of our members. Also, it proves that our credit union does aim for excellence in all facets of our operations, and we’re capable of doing work that is acknowledged as being among the best in Canada.” ■

For George De La Rosa, CEO, the transformation to Luminus Financial was a key step in reaching out to a much wider market. “We can now serve anyone living or working in Ontario,” he says. “We offer all of the financial products you would expect from a full-service financial institution. The big

difference is in how we provide those services. We want your experience to be truly rewarding – including the financial rewards of ownership through our Member Rebate Program.”

Several initiatives are now in the works to increase awareness of Luminus Financial as a distinctly different financial institution. “We want you to

be as excited about Luminus Financial as we are,” says De La Rosa.

To see what each of the Luminus Financial staff have to say about their hopes for Luminus Financial and their role in its success, go to “Personal/AboutUs/WhoWeAre” at www.luminusfinancial.com. ■

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Our Promise to our Members:As a member-owner of Luminus Financial, you have our commitment to live up to our promise of a clearly better banking experience.

We will:

1. Listen to you.

2. Respond with your financial best interests as our priority.

3. Offer a full range of competitive financial products and services.

4. Treat you as the owner of our institution – because you are.

5. Share our profits with you.

6. Exemplify all Credit Union principles.

7. Make you glad to be a member, always.

Our best referrals come from you

Make a referral. Get a chance to win!

TORONTO MAIN BRANCH (open to the public) 1 Yonge Street, Toronto, ON M5E 1E5 F: 416.366.6225

CENTURY PLACE BRANCH 1 Century Place, Woodbridge, ON L4L 8R2 F: 905.850.7918

FRONT STREET BRANCH 444 Front Street West, Toronto, ON M5V 2S9 F: 416.850.5299

BIRMINGHAM STREET BRANCH 60 Birmingham Street, Toronto, ON M8V 2B8 F: 416.201.3531

Call us at 416.366.5534 or 1.877.782.7639 or visit us at luminusfinancial.com

A credit union is not just a business; it’s a community. We all benefit by having more members, as long as those members share our values and want to see their credit union flourish. At the same time, what we offer to prospective members is exactly what they were

hoping to find in a financial institution.

We encourage you to recommend Luminus Financial to your friends, family and neighbours. You can assure them that when they contact us, they will be glad they did. You can also refer them to

our website for a better understanding of who we are and what we offer. It doesn’t hurt, either, to tell them about your experience with the Member Rebate Program, and then ask, “What did you get from your bank last year, just for doing business with them?” ■

From now until September 30th, every time we receive a call from a prospective member who mentions your name, you will be entered in a draw for an iPad 2! The more referrals, the more chances to win!