Move Your Loans and Save Retirement Seminar Important Information You Shop. You Earn. You Choose Skip A Payment New InvesTex Website

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1 Move Your Loans and Save Retirement Seminar Important Information You Shop. You Earn. You Choose Skip A Payment New InvesTex Website

2 Move Your Loans to InvesTex and Save. The fall season returns so now is a great time to start preparing for holiday shopping. Reduce monthly loan payments. Pay down high credit card balances. Free up cash and save for the fast-approaching holiday season with these great offers at InvesTex: Cut Your Rate in Half¹ Refinance your vehicle OR signature loan you have at another financial institution to InvesTex and cut your rate in half. Lower your payment to use the savings for holidays shopping. You may also be able to delay your first payment for 90 days... 3 months of payments to stay in your pocket! 3% Rate Reduction Refinance Offer¹ Receive the lower of our calculated rate OR 3% less than the rate you are currently paying at another financial institution. Watch the savings add up to use for the holidays. You may also be able to delay your first payment for 90 days... 3 months of payments to stay in your pocket! Vehicle Loan Rates as low as 2.29% APR² (36 mo.) 2.59% APR² (48 mo.) 2.89% APR² (60 mo.) Holiday Signature Loan Rates as low as 6.49% APR² (6 mo.) 6.99% APR² (12 mo.) 7.49% APR² (24 mo.) Holiday Skip-a-Payment Offer³ It s that time of year when you have the opportunity to skip your loan payments at InvesTex, either for November 2014 or December 2014, to free up cash for holiday shopping. 7.9% APR 2 InvesTex MasterCard Platinum Credit Card Transfer your current credit card balances into our low rate Platinum MasterCard to pay off your balances faster. UChooseRewards When you go shopping, take advantage of the FREE program. Visit UChooseRewards.com to register and view a list of retailer offers. Earn 1 point per every $2 spent when using your FREE InvesTex Debit Card on signature transactions. Watch your points add up fast for millions of redemption choices. Take advantage of these great offers today to free up cash and save for your holiday shopping. Enjoy the fall and have a memorable holiday season! ¹Rate cannot go below our as low as rate per term. ²APR means Annual Percentage Rate. Rates and terms are subject to change without notice. Lone Star Rewards Discounts included. Risk Based Pricing Notice: The Annual Percentage Rates (APR) are quoted as low as depending upon the applicant s individual credit history. Rates quoted are based on approved credit. Your APR may be higher based on your credit information obtained from consumer credit reporting agencies InvesTex uses. Credit card changes require 45 days advance notice. ³Subject to approval. Not available on all loans. There is a $25 fee charged (applied to the balance of each item) for each loan that has a skip payment applied. InvesTex News

3 Retirement Seminar Have you ever wondered if you should continue working until full retirement age? Join us for a free informational meeting about Social Security benefit options and how they may influence your retirement decisions. Topic: Social Security and Retirement Security Tuesday, October 21st starting at 4:45 PM InvesTex Credit Union, 905 Aldine Bender, Houston, TX (Board Room) Hosted By: InvesTex Credit Union and George Torruella, SWBC Investment Services* Special Speaker: Stephen Donovick, Regional Vice President with Prudential Please RSVP to George at or Space is limited so sign up today! *Securities offered through SWBC Investment Services, LLC, a registered broker/dealer. Member FINRA & SIPC. Advisory services offered through SWBC Investment Company, a Registered Investment Advisor. SWBC Investment Services, LLC & SWBC Investment Company are not affiliated with this institution. Funds should not be considered a deposit of institution, ARE NOT OBLIGATIONS OF, OR GUARANTEED BY THIS INSTITUTION OR ANY OF ITS AFFILIATED ENTITIES, may lose value, and are not NCUSIF insured. Supervisory Office: Beth Conley, SWBC Investment Services, LLC, 9311 San Pedro, Suite 600 San Antonio, TX Office Fax . Fall 2014

4 Get to Know Your Credit Union As a member of InvesTex Credit Union, you are an owner and have the right to various information of your credit union in accordance to the Texas State Finance Code InvesTex produces an annual report that is made available during the annual meetings and in each InvesTex branch location. Below is a list of the information available to you to learn more about your credit union: Balance Sheet and Income Statement Overall Financial Condition List of the current Board Members and associated term expiration dates List of the current Management Team Bylaws and Articles of Incorporation Membership Information Services Offered In accordance to section of the Texas Sate Finance Code, you may request to view a summary of the most recent annual audit, the most recent statement of financial condition, the IRS Form 990, as well as any other documents you are entitled to possess. Be sure to pick up the latest annual report and visit our website on a periodic basis for updates on your credit union. Board Elections Members seeking consideration for nomination by the Nominating Committee must submit a personal resume and completed and signed official Director Application and Agreement to Serve form. Official Director Application and Agreement to Serve forms may be obtained by contacting the credit union President at the credit union office which is located at 905 Aldine Bender, Houston, TX 77032, between the hours of 9:00 a.m. and 4:00 p.m. Monday through Friday. In order for an applicant to be considered by the Nominating Committee, all required forms must be returned to the credit union President by 4:00 p.m. on Friday, November 21, Verification of Accounts The Supervisory Committee is performing one of the required audits of credit union records. Please compare the balance(s) on your September 30, 2014 member statement with your records. If your records do not agree, write the differences and an explanation on the form enclosed in your statement. Be sure to include your member number and sign your name. Send the form to: A. John Weaver and Associates, 4008 Louetta Road, Box Number 536, Spring, TX The committee will investigate and advise you on any discrepancies you report. Unless you report any differences within 30 days of September 30, 2014, the balances shown on your statement will be considered correct. If you do not have any discrepancies, there is no need for you to mail a form to the Supervisory Committee. InvesTex News

5 We are excited to announce that your new InvesTex website is now available. The contemporary look is just a hint of the many new-and-improved features awaiting your visit like the added convenience for Online Banking & Bill Pay users to log-in on the home and ebranch page, convenient menu navigation, ability to view on multiple devices (PC, mobile, and tablets) and much more! Be sure to visit the ebranch page for all your remote branching needs. All this at the same website address; InvesTexCU.org Take advantage of all the great information offered at no cost on your new InvesTex website today! Local Service. Global Good. Why do 208 million people worldwide choose credit unions? Because credit unions constantly push to make their communities better places for their members worldwide. On October 16, 2014, join credit union members around the globe in celebrating International Credit Union Day and experience the credit union difference. Visit an InvesTex branch to celebrate with your fellow member-owners! Fall 2014

6 It s that time of year you ve been waiting for! The Skip-a-Payment Promotion continues to be a valuable incentive to the membership. We are excited to announce that the promotion will be offered again during the 2014 holiday season! Visit InvesTexCU.org or watch your upcoming statements for details on how you can skip your November 2014 or December 2014 payments on loans you have at InvesTex.* It s another great way to put cash back in your pocket for your holiday needs. *Subject to approval. Not available on all loans. There is a $25 fee charged (applied to the balance of each loan) for each loan that has a skip payment applied. InvesTex News

7 Employee Service Announcement August 24, 2014 marked 25 years of service for Jana (Anders) Gonzales, VP Business and Community Development. Born and raised in the Aldine-Houston area, Jana started in 1989 as the receptionist and has worked in several departments throughout her tenure. In addition to her commitment to the credit union, Jana also serves on the Spring ISD Board of Trustees, volunteers for local livestock shows, and proudly serves as the face of InvesTex attending many community events with local school districts and businesses. We are proud to have Jana in the community representing the credit union. Her commitment is commendable and we re proud she s a part of our team! Jana enjoys baking, gardening, shopping and spending time with her two sons, Justin and Dillon. She recently married and she and her husband enjoy traveling and spending time together. Congratulations and Happy Anniversary Jana, thank you for all you do! Jana (Anders) Gonzales Congratulations to Jeannie Reyes for 5 years of service. After 12 years of credit union industry experience, Jeannie proudly serves as the Branch Manager for the Downtown One Allen Center branch. Jeannie loves to travel, work out and spend time with her friends and family during her time off. She states she loves to smile and listen to music. Jeannie likes new challenges and learning new things. Thank you Jeannie for your hard work and dedication. Congratulations on 5 years of service! Jeannie Reyes Towel Drive InvesTex proudly supports the Star of Hope Mission Be a star in someone s holiday this year. Donate new bath and hand towels to benefit clients of the Star of Hope mission. InvesTex will once again be partnering with the Star of Hope to collect towels at all of our branch locations during December. Monetary donations are also welcome. Learn more about the Star of Hope Mission online at SOHMission.org. Thank you for your continued support! Fall 2014

8 June-July-August-September 2014 Sponsored the Aldine ISD Education Foundation Golf Tournament Attended Aldine ISD Transportation In-Service Donated gift cards to Grantham Middle School/Aldine ISD Sponsored the Humble High School Faculty Breakfast Attended the Humble ISD New Teacher Orientation Attended the Humble ISD Transportation In-Service Sponsored the Magnolia High School Football Program Attended the New Caney ISD New Teacher Orientation Attended the Spring ISD New Teacher Induction Attended the Spring ISD Transportation In-Service Donated gift cards and school supplies to Burchett Elementary/ Spring ISD Donated gift cards to Humble Elementary/Humble Donated gift cards and birthday tags to Bernshausen Elementary/ Klein ISD Sponsored Tomball Memorial High School/Tomball ISD Faculty Breakfast Donated gift cards and board games to Willow Creek Elementary/ Tomball ISD Donated 50 backpacks with school supplies to the Houston YMCA Operation Backpack Donated over 9,000 diapers for the Star of Hope Mission Collected over $300 for the Houston Chapter of Credit Union for the Miracle Balloon Drive benefiting Texas Children s Hospital Distributed over 22,000 InvesTex Credit Union Academic Calendars InvesTex News

9 Once a Member, Always a Member We understand there are life events that may require some members to move away from the credit union s branch network but we encourage members to continue their membership at InvesTex. With all the credit union s technology-based products and services, continuing membership remotely is more convenient than ever. Whether you move or stay in the area, take advantage of these FREE remote products and services to continue your membership opportunities at InvesTex: ebranch The ebranch is available to assist you remotely with most of the same services available at our physical branches. The ebranch is available from 7:30am to 6pm, Mon-Fri and 8:30am to 3pm on Saturday. Visit InvesTexCU.org or call (866) during business hours. We are ready to help! Online Banking with Bill Pay Online Banking with Bill Pay allows you to access your accounts at InvesTex through a secured web site. You can view your accounts 24/7, transfer funds, verify cleared checks, confirm direct deposits, make loan payments, and more. Mobile Banking App with Check Deposit Access your accounts at InvesTex securely, anytime, anywhere, on your Smartphone. The App is available for both iphone and Android users. Check your balance. Transfer funds. Deposit a check and more! The InvesTex Mobile Banking App is a cost efficient and convenient remote service. CO-OP ATM Network In addition to InvesTex-owned ATMs, you have access to 30,000 surcharge-free ATMs nationwide offered by the CO-OP Network; the largest credit union-only ATM network in the country. Direct Deposit Your paycheck (or other recurring checks) is automatically deposited into the account that you designate at InvesTex. The service allows your money to be available to you the morning of payday. Payroll Deduction Make saving painless and easy. With payroll deduction, you can have a portion of your payroll check deposited into your account or be applied towards a loan payment. ACH Origination Transfer funds from your accounts at other financial institutions to your accounts here at InvesTex. With your authorization, ACH Origination allows your credit union to automate payments and deposits. With these great products and services available, you can continue your membership at InvesTex even if you move out of the area. If you do move, please provide us with your updated mailing address so you can receive your membership statements and other credit union communications. Once a member, always a member! Thank you for your membership! Spring 2014 Fall 2014

10 InvesTex continues to monitor fraud and security to protect your personal financial information. Due to an increase in fraud activity on foreign debit card transactions, InvesTex will no longer automatically allow signature-based transactions outside the U.S. (effective September 1, 2014). If you plan to travel outside the U.S., please contact us to temporarily allow your InvesTex debit card to process signature-based transactions in the countries you plan to travel through. PIN-based transactions will continue to be available outside the U.S. without interruption. We apologize for any inconvenience. Protecting your transactions and your personal financial information is important! With, you choose where to shop and what to get for all the points you earn. Most rewards programs have limited options on where to shop, and it takes forever for your points to accumulate. changes all of that. You have access to hundreds of retailers where you earn big rewards when you use your InvesTex Visa Debit Card, and there are millions of redemption choices! How Does It Work? Look for in-store and online offers at Watch your points add up fast each time you make a purchase using your card at participating retailers. Earn 1 point per every $2 spent when using your InvesTex Visa Debit Card on signature transactions. It s that easy! The more you shop, the more points you earn! Register today at InvesTex News

11 Fall 2014

12 Seminar on Retirement October 21st 905 Aldine Bender Rd. Houston, TX This credit union is federally insured by the National Credit Union Administration. Holiday Closings Columbus Day Monday, October 13 Veterans Day Tuesday, November 11 Thanksgiving Holiday Thursday, November 27 Friday, November 28 Christmas Eve - (closing at 1pm) Wednesday, December 24 Christmas Day Thursday, December 25 New Year s Eve - (closing at 1pm) Wednesday, December 31 New Year s Day Thursday, January 1 Main Office: 905 Aldine Bender Rd. Houston, TX ebranch Phone: (281) Phone Toll Free: (866) Atascocita: 5212 Atascocita Road Humble, TX Fax Number: (281) Fax (Main): (281) Cypresswood: 230 Cypresswood Dr. Suite H Spring, TX Tomball Parkway: Tomball Pkwy. Suite 100 Tomball, TX Visit Us Online: InvesTexCU.org NLW-Heights: 1614 N. Durham Houston, TX Audio Response: (281) Toll Free Audio Response: (866) One Allen Center (Downtown): 500 Dallas, Suite P-110 Houston, TX Routing Number: PRESORT STD US POSTAGE P A I D HOUSTON, TX PERMIT NO. 1769

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