Reaching New HeightsGesa Credit Union

2 0 1 0 A n n u a l R e p o r t

miss

ion st

atem

ent

key d

iff er

entia

tors

our v

isio

n

Phot

ogra

ph by

mem

ber R

.J. De

beve

c

To be a financial cooperative that enriches the lives of our members and communities.

Members have access to a broad range of financial products and services that enables them to prosper at a cost justified by the results.

4 We are truly our member’s advocate.

4 We have a strong commitment to deliver financial education.

4We are known for our deep community involvement.

Message from the President M e m b e r LO YA LT Y R e v o l u t i o n i z e s

H ow to T H R I V E i n To d a y ’s F i n a n c i a l M a r ke t Gesa Credit Union

is established.

Gesa grows to 975 members and

$230,000 in assets. Upgraded first office

to 703 Building in Richland.

Gesa grows to $600,000 in assets and

hires first full-time manager.

Membership grows to 3,000,

assets grow to more than $2 million.

Gesa purchases first member-owned

building.

1953

1957

1959

1963

GESA H I S T O R Y

Iam excited to tell you we have reached a significant milestone in Gesa’s history. When I arrived at Gesa in 2007, one of the goals agreed upon at my first Strategic Planning Meeting with the Board was to reach $1 billion in assets by 2012 while holding true to our credit union principles of people helping people. Even though the financial report you are holding shows at September 30, 2010, we were at $980 million in assets, by year-end we had exceeded the $1 billion dollar mark. I am happy to say that this growth is the outcome of our popularity with our members and our relevance in our communities.

Growing over $90 million dollars in calendar year 2010 was an amazing accomplishment for Gesa, considering the still-recovering economic climate. In fact, the steady growth in assets and members through a harsh global economy is affirmation that Gesa is, indeed, where people want to belong.

One of our goals in 2010 was to continue elevating service levels to our members. We began in 2009 to implement a service training program called Creating Member Loyalty, where we encouraged our staff to focus on your needs. This was, in fact, a culture change that improved consistency across branches and enhanced Gesa’s brand identity. This change not only helped Gesa grow, it offered employees an opportunity to expand their skill set and step up to the challenge of advancement. We want them to consider Gesa a career, not just a job. You have confirmed by your letters and comment cards, which we receive daily, that we are accomplishing the goal of elevating service levels.

Members will notice another improvement in service in the near future. We began working in 2010 on major system upgrades that will improve efficiency and speed of opening accounts and processing member requests. In addition, a modern telephone system along with our staff capabilities will enhance your experience.

We know convenient access to your accounts is paramount. That’s why we continue to expand our online capabilities and remote delivery. We intend to make gesa.com your full-service 24/7 web branch. In the upcoming year, look for online account opening, web chat and even text banking from your mobile device.

The implementation of new products and services are carefully evaluated and thoughtfully considered with our members in mind. One such program, Gesa Financial Solutions investment services, was introduced to meet growing membership need for expertise in financial planning and investing. Many members have already taken advantage of this service.

Already in 2011 we’ve rolled out Long Term Care Insurance, Lifestyle Loans and new home construction loans—and we won’t stop there! Plans for student accounts and a Platinum Rewards Visa credit card, are also on the horizon.

You may have also noticed that along with our new branches, our long-standing branches are getting some attention of their own. Branch upgrades and remodels are planned in the coming years. Our new offices are designed in an environmentally friendly fashion with safety, security, and efficiency in mind.

The decisions we make are based on your financial well-being—that’s the credit union difference. Thank you for your membership. Together we’ve built a strong financial cooperative.

Christina C. Brown

1

Christina C. Brown President/CEO

http:gesa.com

Gesa hires new manager.

The history of Gesa tells an incredible story of team spirit and solidarity. Gesa opens its first Inspiration to succeed in our community started back in 1953, when Kennewick branch. consumer loans were needed but difficult to attain. Luckily, the members of

General Electric Supervisor’s Association (G.E.S.A.) had the fortitude to find a working solution to help the people of the Tri-Cities. Over the next fifty-seven years, Gesa evolved to become a well-capitalized, full-service financial With $57 million in institution with nearly 100,000 members. We now serve members in 10 local assets and 21,000 branches throughout Eastern Washington as well as seven high school campus members, Gesa

Headquarters moves offices in the Tri-Cities area. to Goethals in central

Richland. We reached new heights at the end of 2010 with over $1 billion in assets.

And this happened two years ahead of our projections. How we achieved this milestone is where our story truly begins. It all stems from our vision, to enrich the lives of members and communities. Over the years, we have dedicated our

Membership is opened efforts to help members realize dreams, to become a leader in youth financial to Select Employee literacy, and to share our passion for supporting the communities we serve. Groups. New telephone account access, Call-24, Our financial strength and popularity continues to soar! Our membership and Visa Credit Cards grew substantially over 8,000 to 98,000 members by year-end, a testament implemented. to the value our credit union offers to the people of our community. Deposits

increased over $85 million. These past few years have seen turmoil in financial markets, but thanks to our loyal members and solid business practices, we remained a profitable institution, boasting nearly $6 million in net income last Home Equity Loans year while maintaining a strong capital position. introduced.

2

Message from the ChairpersonMembership grows to

1971

1977

1981

1983

1992

4,600 and $7 million in assets. Gesa moves S T R E N G T H E s c a l a t e s F i n a n c i a l G R O W T H into 723 The Parkway. First manager retires. Ce l e b ra t i n g $1 B I L L I O N I N A S S E TS

We’ve become known as a lender of choice as evidenced by our tremendous loan growth of over $160 million in 2010. Our members came to us in droves for business loans, home loans, auto financing needs as well as credit cards at a time when other lenders were pulling back or making unfavorable changes.

Business is booming with our Venture Business suite of services. You’ve trusted our organization for your personal needs, and now our business owner members have put their faith in Gesa.

In addition to increasing our membership, loans and assets, we also expanded our services with hi-tech ATMs, new and improved offices, and many other worthwhile programs that ultimately enhanced your financial experience at Gesa.

Over the past 57 years we have evolved to become a leader in financial youth education, a sponsor and volunteer for many community groups and events, a good steward for our environment, and a nurturing place to manage your finances where you feel you belong. Your Board, volunteers and employees at Gesa take great pride in bringing you a renewed banking experience, and we sincerely thank you for your continued support by choosing us as your financial partner.

William J. MelbergWilliam J. Melberg Chairperson of the Board

S U C C E S S . M I L E S T O N E . C E L E B R A T E . 2 0 1 0 . . . A Ye a r t o R e m e m b e r

In 2010 we reached new heights and found ourselves celebrating momentous milestones. But even as we continue to increase membership and raise your credit union’s assets, you can rest assured we’ll never lose sight of what matters most, our passion to deliver excellent service, being a good steward of our environment, and contributing to the well-being of the communities where we live and do business.

By closely understanding your needs and remaining relevant to your financial life, here’s how we delivered an “above and beyond” experience at Gesa in 2010.

“Mystery Shop” Tells All — We constantly strive to provide a remarkable experience, now it’s been affirmed. Last year Gesa employees were put to the test when undercover “shoppers” came in and posed as members or potential members. The results are in, and we’re proud to say service scores reached a new high. Once again, Gesa employees live true to our tagline, “It’s not where you bank. It’s where you belong.”

Money Protection Increases — We’re pleased to report your Share Insurance Protection has been permanently increased to $250,000 by the NCUA.

New and Improved Offices — Our contributions to the community were well worth the investment, and we retuned the favor with a newly remodeled branch and two new LEED® (Leadership in Energy and Environmental Design) certified offices for your banking convenience.

Introducing... AToM — We gave our ATMs a whole new attitude with AToM, a techno machine who remembers you by name and lets you customize your settings to your delight.

Recognition is Welcomed — Gesa wins “Best in Show” at the Washington Credit Union League Marketing Spectrum Awards and a “Green Award” from the City of Richland for our efforts to protect the environment by building a LEED® certified office.

Members Trust Gesa — When it came time to ask for help in financing your dream home or that sweet ride you’ve been eyeing on the road, Gesa was there every step of the way and delivered some remarkable results.

u718 Real Estate Loans totaling $110.6 million u10,778 Indirect Loans totaling $257.3 million u8,652 Direct Consumer Loans totaling $92.2 million

Businesses Flock to Venture — Business is good in Gesa country and members responded with an overwhelming interest in our business services.

uAdded over $13 million in new business deposits uGranted 94 new Member Business Loans totaling $32 million

Paving the Way for Financial Literacy — Gesa has become a prominent leader with youth financial literacy in Washington. We continue to expand and offer high school students practical hands-on work experience with the addition of 3 new High School Credit Unions (Kennewick, Kamiakin, and Southridge).

We’re also very active with Junior Achievement and our employees helped raise over $11,500 last year. Having such close ties to students, it seemed only logical to implement a private student loan solution. Through our partner, Student Choice Network, we’ve already approved over $2.4 million in loans.

Extra, Extra — We launched a new member focused newsletter called Gesa At A Glance to keep you plugged in with Gesa specials and news.

3

office opens to serve a growing community.

Gesa adds many

1995-1999

1997

1997

services; educational seminars, website,

Visa Check Card, walk-up ATMs and

online account access through Gesa@Home.

Gesa converts from a federal to a state

chartered credit union to allow for growth

and expansion. Membership opens

to anyone who lives, works, worships or

attends school in Benton or Franklin

Counties.

The West Richland

Gesa is the second credit union in the state to sponsor a high school credit union. Gesa merges with Wa-Two FCU in Walla Walla and granted charter to serve that community.

Gesa expands and opens a new full-service Kennewick and Pasco branch with drive-thru tellers and ATMs.

Second high school credit union opens at Hanford High in Richland.

Gesa attains a new milestone with $500 million in assets. Gesa nearly doubles in size.

Gesa merges with Apple Valley CU in Wenatchee.

2000

2001

2002

2004

T E C H N O LO G Y. I N N O V AT I O N . E F F I C I E N C Y. C o m m i t t e d t o S e r v i n g E x c e l l e n c e

Every day we look for new and inventive ways to better serve you. From anticipating how technology will evolve to embracing innovative services, rest assured we’re striving to make a meaningful impact on the lives of our members. Here’s a look at some of our exciting new programs introduced in 2010.

uAutomated Cash Dispensers — Available at drive-thru and select branches to speed up teller transactions.

uFree Coin Counter — Cash in your loose change at any teller station with no hassles and no charge... and don’t forget to tell the kids.

uMember Web Stations — Skip the coffee shop run! Stop by select branches anytime to take care of your banking needs online with one of our private computer kiosks. We’ll supply the coffee for free!

uBiometric Safe Deposit Box Access — Top level security, and your assets are safe and sound. Self-serve at select branches with a scan of your fingerprint.

R E M O D E L . E X PA N S I O N . C O N V E N I E N C E . G r o w i n g t o S e r v e Yo u B e t t e r

The past several years we’ve seen many financial institutions downsize or close their businesses entirely. At Gesa, we’re happy to report our credit union is thriving, our membership is growing, and we’ve been expanding and upgrading our offices to serve you better.

Not only do we have more branch locations, you can take pride knowing your credit union has designed our new offices with environmentally efficient systems. 2010 was a year to celebrate. uSouth Richland Branch/Headquarters — Grand Opening, January 2010

uSouth Kennewick Branch — Grand Opening, March 2010

u Richland Branch — Remodel and Open House, August 2010

4

e S E R V I C E S S e r v i n g u p a N e w Wa y t o B a n k

As technology keeps evolving, so does our eServices that help you manage your accounts with the greatest of convenience and top-notch security. Experience a whole new way to bank ‘cause there’s a new kid in town, AToM the ATM. Nicknamed for his sci-fi brain and warp speed, he’ll save you time and you’ll have fun.

uHe welcomes you by name uHe knows how to speak your language uHe remembers how you like your money (preset "fast cash" amount) uHe deposits checks without envelopes or deposit slips uHe even knows if you want a receipt (another preset preference)

At Gesa we continue to bring you the most innovative services that help manage your finances from anywhere you travel. Whether it’s conducting business on our website and utilizing Gesa@Home, on-the-go with GesaMobile, making purchases with your check card or saving a tree with eStatements... you have access to your accounts and loans 24/7.

G R E E N I N I T I AT I V E S Wo r k i n g H a r d t o P r o t e c t O u r C o m m u n i t y

As we build and remodel our member branches, we are committed to incorporating environmental sustainability into everyday business practices and decisions. We now have two LEED® (Leadership in Energy and Environmental Design) certified buildings, one in South Richland and a second in South Kennewick. Our passion for protecting our environment and communities was recognized by the City of Richland with a Green Award.

Looking beyond our energy-efficient buildings, we encourage members to join our green efforts by signing up for eStatements. Together, we can reduce paper clutter and unnecessary destruction of our trees— all the while you’ll be saving

Gesa is “LEED CERTIFIED “ yourself a little time and money. in South Richland and South Kennewick

5

2006

2007

2008

2005

Third High School CU opens. New branch is

built for Wenatchee members.

Gesa builds a new full-service branch in

West Richland.

Gesa opens a new branch in South

Richland and builds a new branch in

Walla Walla. Board of Directors hire a

new President/CEO. Mortgage Specialists join Loan Department and eStatements are

introduced.

Assets grow to over $800 million with

the merger of Walla Walla Valley FCU.

Gesa opens a second branch in West Pasco boasting the first Gesa deposit-taking ATM. Business Lending is

introduced.

YO U T H . E D U C AT I O N . S U C C E S S . E m p o w e r i n g H i g h S c h o o l S t u d e n t s

Even as our business soars, supporting our community is still the most uplifting. Ten years ago, we embarked on a new mission: To enrich high school students with financial literacy through applicable real-life practices. The solution? Establish credit unions on campus that are run by selectively trained students and powered by Gesa.

Today our high school outreach program has grown tenfold, thanks to the many dedicated students, teachers and Gesa support teams. Gesa supplies equipment, computer systems, and operational knowledge on how to run the branch. With guidance from their teachers and Gesa’s Education Specialist, the students handle teller transactions, new accounts, and plan creative promotions to grow and expand membership.

In addition to running their branches, students also create ID Theft programs, Getting Ready for College seminars, and other similar programs to help educate their fellow classmates.

The success of this program lies within the students. We have continued to grow and expand every year, and now Gesa has 7 on-campus branches boasting the most high school credit unions in the State of Washington. Hard work and dedication drives this youth outreach program, one that has become a very rewarding legacy at Gesa.

SOUT HR IDG E H I G H S C H O O L u KENNEW ICK H I G H S C H O O L u K AMIAKIN H I G H S C H O O L

HANFORD HIGH SCHOOL u RICHLAND HIGH SCHOOL u PASCO HIGH SCHOOL u CHIAWANA HIGH SCHOOL 6

CO L L E G E S C H O L A R S H I P P R O G R A M R e w a r d i n g D r i v e n S c h o l a r s

Every year we are overwhelmed by the achievements we see in our Scholarship Program applicants. Not only are the students excelling in academics, but carry a sense of pride for enriching their community and succeeding on many school teams and extra curricular groups.

Gesa has been offering scholarships to college students for more than two decades through colleges and universities throughout the State of Washington. Since 1987, Gesa has awarded over $150,000 in scholarships to deserving local students.

Recipients of this year’s educational scholarships were honored at Gesa Stadium in Pasco. After the on-field presentation, students and their families were invited to stay for the Dust Devils Baseball game.

In addition to Gesa’s scholarship program, Private Student Loans are available for members and their families who plan to attend a university, or four year degree-granting program. We understand the importance of seeking a higher education and want to help you pursue your dreams.

G E S A A W A R D S 1 0 E D U C A T I O N A L S C H O L A R S H I P W I N N E R S A Y E A R

S T U D E N T S H O N O R E D AT T H E D U S T D E V I L S B A S E B A L L G A M E , G E S A S TA D I U M I N PA S CO 7

u u u

Gesa builds a new LEED-certified headquarters/branch in South Richland. New South Kennewick Branch opens and the fourth High School CU debuts at Chiawana High in Pasco. Business Deposit Services and Citizenship Loans are added. Gesa Financial Solutions is introduced and Gesa sponsors a house for Habitat for Humanity.

Gesa reaches $1 billion in assets!

2009

2010

PA S S I O N . D E D I C AT I O N . G R AT I F I C AT I O N . C o n n e c t i n g w i t h o u r C o m m u n i t i e s

The greatest rewards in life are unlocked by selfless acts. Here at Gesa we take pride in our local communities and charitable partnerships. Gesa is committed to helping Habitat for Humanity and Junior Achievement through monetary pledges, fundraisers, and volunteer hours. Our dedication to the financial education of our communities is evident by our complimentary financial education seminars.

With offices in the Tri-Cities, Walla Walla and Wenatchee, Gesa has made a great impact in these communities through participation with Chamber of Commerce events, local expos and fairs, no-cost financial education, community sports teams, such as the Tri-Cities Dust Devils, and the promotion of higher education for our youth.

Here’s just a few highlights from our volunteer efforts in 2010.

uFinancial Literacy — We continue to expand our seminar offerings such as Home Buying 101, Women and Money, Raising Money-Smart Kids and more! Nearly 500 members attend our free seminars each year.

uJunior Achievement — Junior Achievement is the world’s largest organization dedicated to inspiring and preparing students to succeed in a global economy. Nineteen of our Gesa employees volunteered their time to teach financial lessons in schools for a variety of grade levels, and staff successfully raised funds throughout the year.

uHabitat for Humanity — Last year we gathered a women’s Gesa team to participate in a special homebuilding program where they teach women how to build homes and make a difference for those less fortunate.

uBalloon Stampede — Gesa was the Title Sponsor for the Walla Walla Balloon Stampede. The Balloon Stampede is an annual community event that we are proud to be a part of.

T H E S P I R I T O F G I V I N G . . . I M P A C T I N G L I V E S O N E D A Y A T A T I M E

HABITAT FOR HUMANITY

8

BALLOON STAMPEDE F I N A N C I A L L I T E R AC Y J U N I O R A C H I E V E M E N T

S U P E R V I S O R Y C O M M I T T E E

R e p o r t

It is the responsibility of the Supervisory Committee of Gesa Credit Union to monitor the financial safety and soundness of the credit union and to oversee compliance with various financial and regulatory requirements.

In the opinion of the Committee, Gesa Credit Union has conducted business in a fiscally sound manner in accordance with applicable federal regulations and Washington State law relating to credit unions and the Gesa Credit Union bylaws.

In the process of reaching this opinion, we engaged the services of the independent public accounting firm of Clifton Gunderson LLP. They performed an opinion audit of Gesa Credit Union’s financial statements, as of September 30, 2010. Copies are made available upon request. The firm tests whether the financial statements are free of material misstatement, assesses accounting principles used, evaluates the overall financial statement presentation, and reviews internal controls. A key component of the internal control is the internal auditors.

The internal auditors meet with the Supervisory Committee monthly to review internal audit reports, financial statement trends, information protection status, potential fraud issues, risk assessments, and internal control practices. The Committee also closely monitors the results of the regular state examination.

The support and cooperation from the Board of Directors, management and staff has assisted us in the performance of our duties and is greatly appreciated. It has been a privilege to serve as chairperson of the Supervisory Committee.

Respectfully submitted,

Kimberley Pierret Kimberley Pierret Chairperson

9

S t a t e m e n t s o f F I N A N C I A L C O N D I T I O N ( A u d i t e d )

September 30, 2010 and 2009 B o a r d o f D I R E C T O R S

ASSETS 2010 2009 Cash and cash equivalents $ 69,731,534 $ 59,987,1504William J. Melberg, Chair Investment securities:

Available-for-sale — 13,265,735 Held-to-maturity 68,892,367 132,437,295

4Gregg L. Andrews, Vice Chair

4William W. Roberts, Jr., Secretary Other investments 51,208,000 75,597,834 Federal Home Loan Bank stock 1,090,818 903,4004Iris Anderson, Director Loans held-for-sale 2,756,067 1,765,320

4Stephen O. Arneson, Director Loans to members, net of allowance for loan losses 720,300,153 549,239,604 Accrued interest receivable 2,678,597 3,091,4644Manuel Chavallo, Director Collateral in process of liquidation 562,196 463,786 Premises and equipment, net 48,834,567 41,756,793 NCUSIF deposit 8,167,551 6,586,913

4Robert K. Follett, Director

4Paul A. Korstad, Director Deferred compensation investments 4,272,116 4,006,876 Other assets 2,021,541 2,273,7214Peter T. Smith, Director

TOTAL ASSETS $ 980,515,507 $ 891,375,891

LIABILITIES AND MEMBERS’ EQUIT Y LIABILITIESS u p e r v i s o r y Members’ share and savings accounts $ 884,710,838 $ 797,805,199

C O M M I T T E E Outstanding official checks 3,773,771 5,855,855 Accrued interest payable 24,577 35,494 Accrued expenses and other liabilities 7,199,772 6,812,232 Deferred compensation liabilities 3,278,120 2,599,961

4Kimberley Pierret, Chair

4Michael Saffell TOTAL LIABILITIES 898,987,078 813,108,741

4Irina Galikeeva MEMBERS’ EQUITY - substantially restricted

4Kevin Sullivan Regular reserve 8,916,147 8,916,147 Undivided earnings 75,795,187 71,938,237 Accumulated other comprehensive loss (3,182,905) (2,587,234)

TOTAL MEMBERS’ EQUITY 81,528,429 78,267,150

TOTAL LIABILITIES AND MEMBERS’ EQUITY $ 980,515,507 $ 891,375,891

For complete audited financial statements, please visit a Gesa branch.

10

S t a t e m e n t s o f O P E R AT I O N S ( A u d i t e d )

Years Ended September 30, 2010 and 2009

INTEREST INCOME 2010 2009 Interest on loans to members $ 36,072,418 $ 27,336,536 Interest on investment securities and cash equivalents 5,729,172 10,340,852

TOTAL INTEREST INCOME 41,801,590 37,677,388

INTEREST EXPENSE Dividends on members’ share and savings accounts 10,172,745 12,618,124

NET INTEREST INCOME 31,628,845 25,059,264

PROVISION FOR LOAN LOSSES 6,356,752 5,848,208 NET INTEREST INCOME AFTER PROVISION FOR

LOAN LOSSES 25,272,093 19,211,056

NON-INTEREST INCOME Fees and charges 5,899,273 4,795,740 Gain on sale of loans held-for-sale 862,582 363,055 Gain on sale of investments 443,196 — Loss on sale of premises and equipment (22,168) — Other non-interest income 4,430,993 2,950,018

TOTAL NON-INTEREST INCOME 11,613,876 8,108,813

NON-INTEREST EXPENSE Compensation and benefits 17,361,288 14,350,733 Occupancy 2,259,228 1,398,231 Operations 4,231,391 3,375,980 Professional and outside services 2,941,108 2,465,687 Advertising and promotions 1,482,773 1,080,535 Loan servicing 1,480,443 973,184 NCUSIF premium assessment 2,181,618 1,146,565 Impairment of Corporate Credit Union capital accounts 134,834 3,761,799 Other expense 956,336 1,042,324

TOTAL NON-INTEREST EXPENSE 33,029,019 29,595,038

NET INCOME (LOSS) $ 3,856,950 $ (2,275,169)

For complete audited financial statements, please visit a Gesa branch. 11

EXECUTIVE M a n a g e m e n t Christina C. Brown

President & Chief Executive Officer Don Miller

Senior Vice President, Finance & Operations Brett Jorgenson

Senior Vice President, Lending Jim Delyea

Senior Vice President, Sales & Marketing Steve Oord

Chief Financial Officer Jerry Sims

Vice President, Operations Terri Salinas

Vice President, Risk Management

LEADERSHIP Te a m Ben Rutledge, Assistant Vice President, Business Lending

Chris Taylor, Assistant Vice President, Consumer Lending

Karl D. Guynn, Assistant Vice President, Information Technology

Tim Andrew, Assistant Vice President, Marketing

Randy Wacker, Assistant Vice President, Mortgage Lending

Jeff Gegen, Assistant Vice President, Operations

Ed Allen, Assistant Vice President, Tri-Cities Regional Manager

Jim Gillard, Assistant Vice President, Destination Branches Regional Manager

Richard Waddle, Controller

Sandra Raines, Manager, Human Resources

Debbie McKinnon, Manager, Solution Center

Angie Henderson, Manager, Training & Education

Reachi

ng New

Heigh

ts

Matth

ew M

cFar

land P

hoto

grap

hy

A Bird’s Eye View of Our P R O D U C T S & S E R V I C E S

chec

king &

serv

ices

vent

ure b

usine

ss 4 Business Accounts 4 Business Services

4 Business Loans

4 Business Visa Credit Card

4 SBA Loans

4 Savings 4 Money Market Accounts 4 Certificate Accounts 4 Individual Retirement Plans 4 Retirement &

Investment Services 4 Long Term Care savin

gs &

retir

emen

t 4 Personal Loans 4 Auto Loans 4 Boat & RV Loans 4 Visa Credit Cards 4 Lifestyle Loans 4 Student Loans 4 Home Loans

cons

umer

& ho

me l

oans

4 Checking Choices 4 Home Equity Loans

4 Visa Check Card 4 Overdraft Protection 4 Web Banking 4 Online Bill Payer 4 Worldwide ATMs 4 Mobile Banking

SOUTH RICHLAND 51 Gage Blvd.

Richland, WA 99352 Branch Manager

Denise Sitter

PASCO 2202 W. Sylvester

Pasco, WA 99301 Branch Manager

Jennifer Sanchez

RICHLAND 825 Goethals Dr.

Richland, WA 99352 Branch Manager

Sandra Loera

WEST PASCO 5426 N. Road 68

Pasco, WA 99301 Branch Manager

Melissa Kanabrocki

WEST RICHLAND 4755 Paradise Way

West Richland, WA 99353 Branch Manager

Bev Kippes

WALLA WALLA TIETAN 1603 Penny Lane

Walla Walla, WA 99362 Branch Manager Jessica Hanson

KENNEWICK 100 N. Huntington

Kennewick, WA 99336 Branch Manager

Kara Simpson

WALLA WALLA POPLAR 1355 W. Poplar St.

Walla Walla, WA 99362 Branch Manager

Tammy Dibble

SOUTH KENNEWICK 4500 W. 27th Ave.

Kennewick, WA 99338 Branch Manager

Jaleh Flinders

WENATCHEE 1005 N. Wenatchee Ave. Wenatchee, WA 98801

Branch Manager Patty Galloway

INVESTMENT SERVICES Toll-Free: 877.499.3380 Tri-Cities: 509.378.3380

gesa.com/investments

Cove

r Pho

to by

Mat

thew

McF

arlan

d Pho

togr

aphy

It’s not where you bank. It’s where you belong. gesa.com 888.946.4372 509.946.1611

Corporate Headquarters 51 Gage Blvd. Richland, WA 99352

http:gesa.com