6.49 % APR 2 48 MONTH TERM WHY? 2.49 % APR % APR 2. Because you can! Finance at InvesTex for the Chance to Win Cash! 1

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1 WHY? Because you can! SPRING 2018 Finance at InvesTex for the Chance to Win Cash! 1 April - May - June 1 - $1,000 Winner per Month $500 Winners per Month 1 Get the Best Rate! Get the Best Term! Get the Best! Auto Loans as low as 2.49 % APR % APR 2 36 Month Term 48 Month Term Refinance your Auto Loan from another Financial Institution with InvesTex Credit Union today! Everyone Qualifies for No Payments for 90 Days! Cut Your Rate in Half 3 Same Rates for New and Used Skip-A-Payment Opportunities SPECIAL PROMOTION SIGNATURE LOAN RATE AS LOW AS 6.49 % APR 2 48 MONTH TERM WITH FUNDED AUTO LOAN 4 1 No purchase necessary. Must be 18 or older to win. May only win once. Winner will be notified by phone. Members who finance or refinance an auto loan of $10,000 or more, or open a credit card with a $5,000 or greater limit, will be entered for a chance to win. Internal refinances not eligible. RVs and Motorcycles eligible. Offer expires 06/30/ APR 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 Credit Union uses. Other terms and restrictions apply and are subject to approval. 3 Cut your loan rate by as much as half with a maximum rate reduction of 5%, unless our calculated rate is lower. 4 When you purchase or refinance a vehicle from another institution to InvesTex Credit Union.

2 Skip-a-Payment Make a Splash with extra cash! Sink the stress with a Skip-a Pay. Skip your May or June loan payment(s) and free up cash for the summer! Use the funds to take a vacation, purchase home furnishings, pay off debt, or for whatever you and your family would like. 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 skipped. Security and Fraud Prevention Enhancement Coming Soon Your identity is valuable. InvesTex is committed to protecting you by adding new security measures. In the coming months, InvesTex will be asking you to provide a password, two security questions and mother s maiden name. You will be asked to provide this information when contacting the credit union or conducting business at any of our branch locations. Identity theft is a growing problem for everyone. We appreciate your assistance. New/Upgraded ATM coming soon to the Cypresswood Branch Location! Employee Service Announcements Congratulations to Mike Gunnigle! March 4th marked 5 years of service and commitment with InvesTex Credit Union. Mike originally joined the InvesTex team as an Assistant Branch Manager at our Cypresswood location. Currently, Mike works in our ebranch as the Branch Manager assisting members with their financial needs. Additionally, Mike serves on the credit committee and spends much of his time assisting staff with loan decisions. In his personal time, Mike enjoys golfing, participating on cook-off teams, and reading. Mike has both a son and daughter in college and enjoys spending time with them. Thank you Mike for your dedication and commitment to serving the members and staff of InvesTex. We are proud you are on our TEAM! February 25th marked 10 years of service for Janice Epps! After leaving her hometown in Louisiana, Janice joined the InvesTex team in Janice works in Human Resources as the HR Assistant and plays a vital role in managing all aspects of the department; including employee benefits, training, and onboarding. Janice has a positive attitude and is a great resource for employees with benefit questions. x CU este Inv Janice enjoys taking road trips to Louisiana to spend time with family and friends. In her spare time she likes to window shop, watch movies, read, and listen to music. Janice also enjoys collecting Barbie dolls and Minnie Mouse memorabilia. Thank you Janice for your dedication and commitment to serving the staff of InvesTex. We are proud you are on our TEAM! Mike Gunnigle Janice Epps

3 Important Information Low-mile vehicles. Extra-mile service. Account Verification InvesTex Credit Union will be performing a verification of member accounts as of June 30, An insert authorized by our Supervisory Committee will be enclosed with your June 30, 2018 member statement. When you receive your June 30, 2018 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. April 1 June 30, 2018 Receive a $250 gift card 1 Since 1952 Complaint Notice Upon purchase from Enterprise Car Sales and Financed with InvesTex Credit Union. Preview our great selection of quality used vehicles at enterprisecarsales.com/investexcu 1: 250 gift card will be issued 30 business days upon purchase of vehicle. Offer valid only on Enterprise vehicles purchased 4/1/18 6/30/18 and financed through InvesTex Credit Union. Offer void when 7-Day Repurchase Agreement is activated. No cash advances. Cannot be combined with any other offers. Not valid on previous purchases. Used vehicles 1: 250 gift card will be issued 30 business days upon purchase of vehicle. Offer valid only on Enterprise vehicles purchased 4/1/18 6/30/18 and financed through InvesTex Credit Union. were previously part of the Enterprise rental fleet &/or an affiliated company s lease fleet or purchased by Enterprise from sources including auto auctions, customer trade-ins Offer void when 7-Day Repurchase Agreement is activated. No cash advances. Cannot be combined with any other offers. Not valid on previous purchases. Used vehicles were previously or from sources, withfleet a possible use including rental, transportation network company other use. for illustration The e logo other & Enterprise part of theother Enterprise rental &/or an previous affiliated company s lease fleet lease, or purchased by Enterprise from sourcesorincluding autophoto auctions, customer only. trade-ins or from sources,arewith a trademarks of Enterprise Holdings, Alltransportation other trademarks arecompany the property of their 2018The Enterprise Sales. I x5.5 Ad 2/18 KD possible previous use including rental, Inc. lease, network or other use.respective Photo for owners. illustration only. e logo Car & Enterprise are trademarks of Enterprise Holdings, Inc. All other trademarks are the property of their respective owners Enterprise Car Sales. I x5.5 Ad 2/18 KD COMMUNITY CORNER DECEMBER JANUARY - FEBRUARY Donated gift cards to Lewis Middle School Faculty Holiday Celebration/Aldine ISD Presented a Financial Literacy Workshop for Parents of Hinojosa EC Pre-K/Aldine ISD Donated to the Aldine ISD Superintendent s Buyers Group for the FFA Livestock Show Donated Gift Cards for Teacher Incentives to Humble High School/Humble ISD Sponsored the Humble High School Alumni Association Golf Tournament Donated Gift Cards to the Klein ISD Police ple Sam Department d r it Ca edd Cr onated to the Klein ISD Day of Design Event Get to Know Your Credit Union Donated Cake and Ice Cream to Nitsch Elementary for their Principal s Club Celebration/Klein ISD Donated Gift Cards for Teacher Incentives and Board Games for Student Incentives to Lewis Elementary/Spring ISD Participated in the Spring ISD Community Resource Fair/Spring ISD Donated Gift Cards for Teacher Incentives and Board Games for Student Incentives to Willow Creek Elementary/Tomball ISD Donated Breakfast to Tomball Memorial High School/Tomball ISD Hosted Students from Klein Collins High School for a Job Shadowing Event/Klein ISD The credit union is incorporated under the laws of the State of Texas and under state law 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 following: By U.S. Mail: 914 East Anderson Lane, Austin, Texas ; Telephone Number: or Website: 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 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 possess. Be sure to pick up the latest annual report and visit our website on a periodic basis for updates on your credit union. Your Credit Card is Getting Better COMING SOON: /DER L New Design More features giving you more control More details to follow. Look for these great enhancements over the summer!

4 Time is Money! Start Earning Today! Limited Time Certificate of Deposit Rate Promotion! 1.89% APY* (24 months) 1.59% APY* (18 months) (Minimum deposit $1,000.00) Must have a vehicle loan, signature loan, or an ITCU Credit Card to qualify. *APY means Annual Percentage Yield. APY assumes dividends remain in the account until maturity. Withdrawals reduce earnings. All accounts must remain open through the end of the dividend period or the maturity date to be paid the accrued dividends. Promotion can be terminated at any time without notice. Save the Date: Annual Meeting Tuesday, April 24, :30-7:00 PM: Dinner 7:00 PM: Meeting Begins The M.O. Campbell Center (Aldine ISD) 1865 Aldine Bender Road, Houston, TX Tickets Adults - $5 Children 12 and Under - $3 Tickets must be purchased by April 16th from any of our 6 branch locations. During June, InvesTex is collecting diapers and pull-ups 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 branch locations, so help us help the little ones. Learn more about the Star of Hope at DIAPER DRIVE Why Having a Financial Professional Matters A good professional provides important guidance and insight through the years. Provided by Jason Stepanik What kind of role can a financial professional play for an investor? The answer: a very important one. While the value of such a relationship is hard to quantify, the intangible benefits may be significant and long lasting. A good financial professional can help an investor interpret today s financial climate, determine objectives, and assess progress toward those goals. Alone, an investor may be challenged to do any of this effectively. Moreover, an uncounseled investor may make self-defeating decisions. Some investors never turn to a financial professional. They concede that there might be some value in maintaining such a relationship, but they ultimately decide to go it alone. That may be a mistake. No investor is infallible. Investors can feel that way during a great market year, when every decision seems to work out well. In long bull markets, investors risk becoming overconfident. The big-picture narrative of Wall Street can be forgotten, along with the reality that the market has occasional bad years. This is when irrational exuberance creeps in. A sudden market shock may lead an investor into other irrational behaviors. Perhaps stocks sink rapidly, and an investor realizes (too late) that a portfolio is overweighted in equities. Or, perhaps an investor panics during a correction, selling low only to buy high after the market rebounds. Often, investors grow impatient and try to time the market. Poor market timing may explain this divergence: according to investment research firm DALBAR, the S&P 500 returned an average of 8.91% annually across the 20 years ending on December 31, 2015, while the average equity investor s portfolio returned just 4.67% per year. 1 The other risk is that of financial nearsightedness. When an investor flies solo, chasing yield and making money too often become the top pursuits. The thinking is short term. A good financial professional helps a committed investor and retirement saver stay on track. He or she helps the investor set a course for the long term, based on a defined investment policy and target asset allocations with an eye on major financial goals. The client s best interest is paramount. As the investor-professional relationship unfolds, the investor begins to notice the intangible ways the professional provides value. Insight and knowledge inform investment selection and portfolio construction. The professional explains the subtleties of investment classes and how potential risk often relates to potential reward. Perhaps most importantly, the professional helps the client get past the noise and buzz of the financial markets to see what is really important to his or her financial life. This is the value a financial professional brings to the table. You cannot quantify it in dollar terms, but you can certainly appreciate it over time. Jason is available by appointment at any InvesTex location. He can be reached at or jstepanik@swbc.com. This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment. 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. *No Credit Union Guarantee *Not NCUSIF Insured *May Lose Value Citations. 1 - zacksim.com/heres-investors-underperform-market/ [5/22/17]

5 Security Corner PROTECTING AGAINST FRAUD InvesTex has several products to assist with security and detection that are FREE: CardValet CardValet enables you to fight debit card fraud with customized real-time alerts. CardValet lets you set preferences and alerts so you can quickly detect and takes steps to prevent fraudulent activity. Receive alerts whenever your card is used. Alerts help you play it Safe. Turn your card "off" if misplaced or stolen and back "on" when you're ready to use it again. Alerts can be based on transaction amount, location, merchant type or transaction type. Stay informed of potential fraud with alerts on attempted and declined transactions. Fraud takes place every day in a variety of ways. You can t always prevent it from happening, but you can create obstacles and set parameters for detection. Cardholders can download the app which is available for both iphone and Android (Apple App Store or Google Play). The app is user friendly and convenient. CardValet will walk you through setting up your account and registering you card(s). GoToMyCard.com Registering is quick, easy, and free. GoToMyCard gives you secure online access to your credit card account so you can: Get your current account summary Review card activity Set alerts for transaction amounts, international transactions, and more View billing statements Make a payment Online Banking Online Banking 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, set alerts, and more. All of this absolutely FREE!! Register online today, at InvesTexCU.org. Our Online Banking is a secured site using a Multi-Factor Authentication sign-on and certified by VeriSign. Further information is available when you register that will answer any questions you may have. As an InvesTex member, you can self-enroll online if you previously provided your address to InvesTex. You can also register by contacting our ebranch at Info@InvesTexCU. org or (866) during regular hours of operation. $ InvesTex Credit Union will not call you and request personal information unless you contacted us first. Reputable companies will not call you and request personal information - ever! Top 10 Scams That Often Target Older Residents What is the best way to avoid a scam? Be aware of what is happening out there. It s important to stay on top of certain scams and unfortunately the scammers are always looking for a new scheme. 10. Sweepstakes scam - you won a contest, lottery, or Publishers Clearing House Sweepstakes 9. Romance scam - scammers contact you through online dating websites or sometimes Facebook 8. Robocall scam - the notorious Rachel from card services 7. Medicare/Healthcare scam - someone posing as a Medicare representative requesting personal information 6. Emergency scam - a call/ from a family member requesting money for an emergency 5. New Medicare Card scam - Medicare does not charge for replacement cards, they are FREE 4. Door-to-Door scam - Magazine, utility, or even alarm systems 3. Are you calling yourself scam? - scammers are making it look like your number on the caller ID which piques your interest to answer 2. Tech Support scam - representative stating they are from Microsoft to get into your hard drive 1. Arrest scam - Often it is someone posing as IRS stating they are coming to arrest you for overdue taxes You can learn more by visiting the Better Business Bureau

6 PRESORT STD US POSTAGE P A I D HOUSTON, TX PERMIT NO FM 1960 Bypass West Road Humble, TX Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government This credit union is federally insured by the National Credit Union Administration. Contact Information Aldine Branch 905 Aldine Bender Houston, TX Cypresswood Branch 230 Cypresswood Dr., Suite H Spring, TX Atascocita Branch 5212 Atascocita Rd. Humble, TX Tomball Branch Tomball Pkwy, Ste. 100 Tomball, TX NLW-Heights Branch 1614 N. Durham Houston, TX FM1960 Branch & Corporate Office 8404 FM 1960 Bypass West Rd. Humble, TX Phone: (281) Phone Toll Free: (866) Fax Number: (281) Fax (Main): (281) Visit Us Online: InvesTexCU.org Info@InvesTexCU.org Routing Number: InvesTexCU.org Audio Response: (281) Toll-Free Audio Response: (866) Online Banking/Bill Pay: InvesTexCU.org Mobile Banking App: Available for Download on Apple & Android Devices Visa Debit Card Activation / PIN Changes: (800) Lost/Stolen Visa Debit Card: (800) Lost/Stolen Credit Card: (800) Download the Free ITCU Mobile App HOLIDAY CLOSURES Memorial Day Monday, May 28th Independence Day Wednesday, July 4th iphone Android