Springtime Savings More Services at InvesTex Skip-A-Payment Online Banking Enhancements Free Benefits VIP Car Buying

Springtime Savings More Services at InvesTex Skip-A-Payment Online Banking Enhancements Free Benefits VIP Car Buying

Good-bye cold weather and hello sun! Blue skies have returned to Texas and our beautiful bluebonnets are blooming. It s time to return outdoors. Whether it is gardening, enjoying outdoor activities, or just spring cleaning, it s time to have fun in the sun to get things done. Whatever your plans may be, spring into the savings with these great offers: Cut Your Rate in Half¹ - Refinance your vehicle or signature loan you have at another financial institution with InvesTex to cut your rate in half. 3% Rate Reduction Program¹ - Receive the lower of our calculated rate OR 3% less than the rate you re currently paying at another financial institution on your vehicle or signature loan. Great Deals on Vehicle Loans - Finance your vehicle purchase or refinance your vehicle loan at another financial institution with InvesTex and save: Rates as low as 2.39% APR² (48 mo.) - 2.99% APR² (72 mo.) Same low loan rates for new, used, and refinanced Free up cash with no payments for the first 90 days (subject to approval) Member Auto Center - FREE online car buying service Springtime Signature Loan - Take advantage of rates as low as 6.49% APR² (6 mo.) to landscape the yard, purchase outdoor patio items, take a springtime vacation or whatever you want. You name it. The choice is yours! Skip-a-Payment³ - Free up cash by skipping your May or June payments on loans at InvesTex. Use the savings for your springtime plans. Low Rate Credit Card - Transfer those high-rate credit card balances at other financial institutions to our low 7.9% APR² Platinum credit card ¹Rate cannot go below our as low as rate for the term requested. ²APR means Annual Percentage Rates. Rates and terms are subject to change without notice. Risk Based Pricing Notice: The Annual Percentage Rates (APR) are quoted low as and high as depending upon the applicant s individual credit history. Rates quoted are based on approved credit. Your APR may be higher based on the credit information obtained from consumer credit reporting agencies InvesTex Credit Union uses. Credit card changes require 45 days advance notice. ³Skip-a-payments are subject to approval. Not available on all loans. There is a $25 processing fee per loan skipped in which is applied to the loan balance. InvesTex News

More services at InvesTex! Credit Card Consolidation Services We are excited to announce Credit Card Consolidation Services will soon be available at GoToMyCard.com. Transfer your high-rate credit card balances from other financial institutions to your low-rate InvesTex credit card. It s fast, easy, and secure to transfer your balances. And the best part; it s FREE! The InvesTex MasterCard Platinum credit card rate is a low 7.9% APR* and filled with shopping and travel benefits. If you don t have an InvesTex credit card, apply today and then transfer your balances to save! New ebranch We are rolling out a new branch called the ebranch. It is an electronic branch that will assist you remotely. The ebranch offers most of the same products and services as our physical branches. You can open an account, apply for a loan, transfer funds between your InvesTex accounts and much more. The ebranch is available Monday through Friday from 7:30am to 6pm and on Saturday from 8:30am to 3pm. Call us at (866) 449-0109. Save time and gas money by using ebranch services today. New Branch Location Coming in 2015, you will have access to another InvesTex branch location. Plans are well underway to build our next branch on property in northeast Houston. The location is on FM 1960 and Kenswick Road; a few miles east of HWY 59 North. The branch will also house our corporate operations and is designed for future growth. *APR means Annual Percentage Rates. Rates and terms are subject to change without notice. Rates quoted are based on approved credit. Credit card changes require 45 days advance notice. Online Banking Enhancements Coming Soon! We are excited to announce that InvesTex Online Banking will soon offer more features that will provide you enhanced convenience and security. Here are just a few of the new features you can look forward to using in the near future: New Look and Feel Change Viewer Settings ( Tiles look) Additional Security Features Such as Email Authentication Scheduled Transfers Offers Multiple Email Addresses for Notification History Display for All Accounts (no more drop-down menu) And much more Technicians are currently implementing these enhancements. Current Online Banking services are not expected to be disrupted during implementation. We anticipate these new enhancements will be available to you later this summer. Be sure to visit our website (InvesTexCU.org) for up-to-date information. Spring 2014

Complaint Notice This Credit Union is incorporated under the laws of the State of Texas and under state law is subject to regulatory oversight by the Texas Credit Union Department. If you have a dispute with InvesTex Credit Union, you should first contact the credit union. If the dispute is not resolved to your satisfaction, you may file a complaint against the credit union by contacting the Texas Credit Union Department through one of the means indicated below: By U.S. Mail: 914 East Anderson Lane, Austin, Texas 78752-1699 Telephone Number: (512)837-9236 Website: www.tcud.state.tx.us Get to Know Your Credit Union As a member of InvesTex Credit Union, you are an owner and have the right to certain information about your credit union in accordance to the Texas Credit Union Department, Rule 91.310. InvesTex produces an annual report that is made available during the annual meetings and in each InvesTex branch location. 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 posses. Be sure to pick up the latest annual report and visit our website on a periodic basis for updates on your credit union. Fraud Notice InvesTex Credit Union does not use text messaging (SMS) as a means to communicate to members. InvesTex does not ask for personal information in an email or text message (SMS) and will not call members on the phone requesting personal information. Let s all be vigilant and avoid fraud. Verification of Accounts InvesTex Credit Union will be performing a verification of member accounts as of June 30, 2014. A letter authorized by our Supervisory Committee will be enclosed with your June 30, 2014 member statement. When you receive your June 30, 2014 InvesTex Credit Union member statement(s), please take a moment to review all your balances and pertinent account information. If your records agree, no action is necessary. If your records do not agree, please document any discrepancies in writing and mail to the address that will be enclosed with the letter. One Allen Center Downtown Branch Our landlord at the One Allen Center Downtown branch informed us that building renovations are scheduled to begin later this year. The renovations will impact services at the Downtown branch. We will continue to provide you timely information in our periodic mailings, publications and on our website. We apologize for any inconvenience. InvesTex News

Skip Your May OR June Loan Payments Free up cash for the summer! Here s a chance to skip your May 2014 OR June 2014 monthly loan payment(s) at InvesTex to temporarily free up cash for you and your family to enjoy the summer. Use the funds to take a vacation, purchase home furnishings, pay off debt, or whatever you and your family plans are this summer. The choice is yours. Skip-a-Payment request forms are available in your member statement, on our website, and in our lobbies. Simply fill out, sign, and return the form to any one of our branch locations. (Skip-a-Payments are subject to approval. Not available on all loans. There is a $25 processing fee per loan.) With your FREE InvesTex Checking Account*, you also get a FREE Debit Card* to use for shopping, dining, and travel, wherever you see the logo. The InvesTex Debit Card combines the convenience of plastic with the practicality of checks. Since it s a debit card, it doesn t replace your existing credit cards and funds are withdrawn from your checking account. Your InvesTex Debit Card also acts as an ATM card by withdrawing cash from your account at an ATM or POS. And remember, InvesTex offers 30,000 FREE ATM locations nationwide as part of the CO-OP Network. Using your FREE InvesTex Debit Card can save you money too with our new program. You shop every day now earn points for your everyday purchase. Simply shop, sign, and earn points to redeem for exciting rewards such as the latest electronics, activities, airline tickets and more. Earn 1 point for every $2 spent on your everyday needs. If you don t have a FREE InvesTex Checking Account, a FREE Debit Card, or signed up for the program, simply visit us by phone, email or in person to let us help you start enjoying the benefits today! *Subject to approval. Spring 2014

Looking for red carpet treatment when buying your next car? Let InvesTex help you from financing and protection to locating that perfect car. Take advantage of our concierge member service. Apply at InvesTex to get a fast decision so you are prepared to shop and negotiate a great deal. Visit our Member Auto Center online to research vehicles, get quotes, get an Auto- Check report, and much more. Contact one of our Preferred Dealerships and ask for the credit union representative by name. Call (832)912-2182 for any auto buying assistance. Visit InvesTexCU.org to get a quote on car insurance and vehicle protection. Purchase your vehicle and finalize financing with InvesTex. Just tell us what you are looking for and our professional car locators will help you get a great price and arrange convenient delivery at a local Preferred Dealership. Now that is V.I.P service! If you re worried about identity theft and need an opportunity to do something about it, Shred Day is for you. InvesTex Credit Union is hosting a Shred Day on: Saturday, May 10th 9am to 12pm Main Branch: 905 Aldine Bender Dr. Bring unwanted or unused papers, credit card statements, bank statements, or any other materials with personal information to be destroyed for FREE. First come, first serve. Also, Enterprise Car Sales will provide FREE trade appraisals on vehicles. Find out your car s trade value, get pre-approved with a low rate, and then go shopping for a new vehicle. See you then. InvesTex News

Employee Service Announcement Congratulations to Keith for 10 years of dedication and leadership to InvesTex! Serving as the CEO and President since March of 2004, Keith joined the credit union with 26 years of experience in the industry. In Keith s personal time he enjoys fossil collecting, wood carving, and reading literature about the colonial period. Most years he and his family spend the month of October constructing a haunted house; rumor has it 2014 will be the biggest and scariest ever. He likes cycling and hopes to one day participate in the Iron Man competition with his sons. Keith and his wife have 6 boys, 3 of which are in college. Keith Kearney Congratulations Keith! We appreciate all you do for our team! Also, congratulations to Bridgett Sanders for 15 years of service and to April Rodriguez for 5 years of service with InvesTex Credit Union. Beginning employment in February of 1999 as a MSR, Bridgett worked serving the members at the main office before being promoted to Branch Manager in 2004. Bridgett has been instrumental in the successful opening of all of the InvesTex branch locations. Since 2011 Bridgett has served the credit union as the Assistant Vice President of Branch Administration. Bridgett describes herself as an avid shopper, enjoys reading and watching football. She mostly enjoys spending time with her family. April joined the InvesTex team in January of 2009 as a Member Service Representative and has worked at multiple branch locations over the years serving our members. Currently, April is the Branch Manager of our Cypresswood branch. She describes herself as a true Houston Texans fan; enjoys spending time with her family and friends, watching football, barbeques, good music, and going out to see the latest movie released. Bridgett Sanders April Rodriguez We thank Keith, Bridgett and April for their dedication and commitment to serving the members of InvesTex and we are proud they are a part of our team! Diaper Drive for Star of Hope During June, InvesTex is collecting diapers and pullups in all sizes and brands to benefit the Star of Hope Mission. Larger sizes are preferred and monetary donations are also accepted. Donations will be accepted at all 6 branch locations, so help us help the little ones. Learn more about the Star of Hope at SOHMission.org. Spring 2014

December 2013 January-February 2014 Donated miscellaneous Science Lab supplies to Hinojosa Pre-K Center/Aldine ISD Contributed to the Aldine ISD Teacher of the Year Winners Donated gift cards to Grantham Middle School/Aldine ISD Donated gift cards and basketballs to Teague Middle School/Aldine ISD Contributed to the Aldine ISD Superintendents FFA Livestock Show Buyers Group Donated gift cards and board games to Helms Elementary/Houston ISD Donated gift cards to Humble High School Contributed to the Humble ISD Superintendents FFA Livestock Show Buyers Group Donated to the Humble High School Presidential Ambassadors Group Donated a new U.S. and Texas Flag to Park Lakes Elementary/Humble ISD Attended the Klein ISD Founders Day Dinner Donated gift cards and board games to Nitsch Elementary/Klein ISD Donated gift cards to Burchett Elementary/Spring ISD Sponsored the Spring ISD Ministerial Alliance Luncheon Participated in the Spring ISD Education Foundation Grant Express Donated gift cards to Tomball Memorial High School/Tomball ISD Sponsored the LSC Foundation Golf Tournament Sponsored the Greater Heights Area Chamber Annual Crawfish Festival Participated in the Star of Hope Towel Drive InvesTex News

WHEN: Thursday, April 24, 2014 WHERE: Strack s Restaurant (Banquet Facility) 5707 Louetta Road Spring, TX 77379 TIME: 7pm DINNER: Dinner tickets are available at all branch locations Adults $5 Children (12 and under) $3 Spring 2014 Annual Meeting Reminder Spring 2014

More Theme Park Options We are excited to announce that members now have access to discounted tickets for Schlitterbahn Waterpark. Once construction is complete on the Corpus Christi location, Texas will include 4 Schlitterbahn Waterparks to choose from (New Braunfels, South Padre Island, Galveston, and Corpus Christi). The fun folks at SplashTown recently announced the name change to Wet n Wild SplashTown in conjunction with a multimillion dollar transformation of Houston s largest waterpark. Opening May 2nd, there will be three (3) new attractions for family fun: FlowRider, Big Kahuna, and Wet n Wild Jr. NEW for 2014, Six Flags Fiesta Texas introduces Bahama Blaster! Bahama Blaster offers an adrenaline rush like no other collection of slides in the region. From a six-story tower, guests step into the enclosed vertical capsule where the floor drops out beneath them, sending riders free-falling 40 milesper-hour through twists, loops and coils. This year, SeaWorld & Aquatica San Antonio will join all SeaWorld parks from coast to coast to celebrate SeaWorld s 50th Celebration. Plans include an 18-month observance that highlights memorable SeaWorld experiences over the past halfcentury. SeaWorld guests will celebrate with a sea of surprises that include new interaction experiences and shows and more up-close animal encounters throughout the park. InvesTex continues to offer discounts on tickets to all these theme parks. Simply visit our website to purchase your discounted tickets and get more information on each park to plan your visit. Discounted theme park tickets are just another great membership benefit at InvesTex. During the week of April 20-26, help us celebrate National Credit Union Youth Week. InvesTex will show youth and teens how to catch the save wave at their credit union. Visit one of our 6 locations to open a youth account. Ask about our Lil Ropers and imember account programs. We can also answer questions children may have about saving money and borrowing responsibly. Remember, InvesTex membership is open to all members of your family. InvesTex News

Spring 2014

New ebranch! 905 Aldine Bender Rd. Houston, TX 77032 This credit union is federally insured by the National Credit Union Administration. Holiday Closings Good Friday Friday, April 18 (closing at 1pm) Memorial Day Monday, May 26th Independence Day Friday, July 4th Download the New InvesTex Mobile Banking App! Android iphone Main Office: 905 Aldine Bender Rd. Houston, TX 77032 ebranch - NEW! Phone: (281) 449-0109 Phone Toll Free: (866) 449-0109 Atascocita: 5212 Atascocita Road Humble, TX 77346 Fax Number: (281) 219-7664 Fax (Main): (281) 449-3649 Cypresswood: 230 Cypresswood Dr. Suite H Spring, TX 77388 Tomball Parkway: 24922 Tomball Pkwy. Suite 100 Tomball, TX 77375 Visit Us Online: InvesTexCU.org Info@InvesTexCU.org NLW-Heights: 1614 N. Durham Houston, TX 77008 Audio Response: (281) 442-4917 Toll Free Audio Response: (866) 298-4917 One Allen Center (Downtown): 500 Dallas, Suite P-110 Houston, TX 77002 Routing Number: 313082838 PRESORT STD US POSTAGE P A I D HOUSTON, TX PERMIT NO. 1769