Why? Because You Can!

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1 Moments to Remember. SUMMER 2018 LET US HELP! Auto Loans as low as 2.49 % 2.89 % 36 Month APR Term 1 48 Month 1 APR Term Refinance your Auto Loan from another Financial Institution with InvesTex Credit Union today! E veryone Qualifies for No Payments for 90 Days! Cut Your Rate in Half2 Same Rates for New and Used Skip-A-Payment Opportunities SPECIAL PROMOTION SIGNATURE LOAN RATE AS LOW AS MONTH TERM % APR1 WITH FUNDED AUTO LOAN3 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. 2Cut your loan rate by as much as half with a maximum rate reduction of 5%, unless our calculated rate is lower. 3When you purchase or refinance a vehicle from another institution to InvesTex Credit Union. 1 BEAT THE HEAT WITH THESE GREAT RATES! IRA-Shares Up to $5, % APY* $5,000 to $20, % APY* $20, % APY* CDs-IRA CDs (up to $50,000) 18 Months % APY* 24 Months % APY* 36 Months % APY* 48 Months % APY* 60 Months % APY* CDs-IRA CDs (over to $50,000) 18 Months % APY* 24 Months % APY* 36 Months % APY* 48 Months % APY* 60 Months % APY* *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.

2 Why? Because You Can! Winners During the month of April, May and June, auto loans over $10,000 (new or refinanced from another financial institution) or credit cards (new or increased) for $5,000 or more were in a drawing to win CASH! These members won BIG! Our big winner for loans in the month of April Ms. Genesis Johnson won $1,000! There were four $500 winners for the month of April and May. June winners will be featured in the Fall Newsletter. Financing with InvesTex Credit Union pays off!! The big winner for loans in the month of May Ms. Serina Hebert also won $1,000! Exciting Credit Card Changes Coming Your Way InvesTex Credit Union is excited to announce new credit cards with enhanced features and security, effective August 25, This means there will be a few changes to your account InvesTex Credit Union Scholarship Recipients Connor Hanks Connor graduated from Quest Early College High School/Humble ISD and will attend Texas A&M University-Corpus Christi and major in Business or Communications. Tifani Dixon Tifani graduated from Hargrave High School/Huffman ISD and will attend Texas A&M University and major in Business Marketing. Dorian Dovai Dorian was awarded the Ellis and Clydene Kuehn Scholarship. He graduated from Eisenhower High School/Aldine ISD and will attend Prairie View A&M University to major in Computer Science. In early August you will receive your new Platinum MasterCard. The new card cannot be activated until August 25, Please use your current card until August 24, Credit Card enhancements include a new look, full credit card access within Online Banking, great rewards program (optional), and great rates! Please be advised you will have a new credit card number, so make sure to update any recurring payments. Also, the new mailing address for payments effective August 25, 2018 is: MasterCard, P.O. Box , Dallas, TX, With the new card, we are pleased to announce we are adding an improved rewards program, CURewards (optional). The CURewards site will be available August 27, 2018 through Online Banking under the Credit Card menu. Additional information will be mailed during the month of July and August as well as information on the website. Please contact the credit union at or if you have any questions. Cristy Herrera Cristy graduated from MacArthur High School/Aldine ISD and will attend Texas A&M University to major in Biology. Elysian Majeske Elysian graduated from Klein Collins High School/Klein ISD and will attend Ouachita Baptist University and major in Physical Therapy. Ineceia Carter Ineceia graduated from Davis High School/Aldine ISD and will attend Prairie View A&M University and major in Biology.

3 Low-mile vehicles. Extra-mile service. July 1 September 30, 2018 Receive a $250 gift card 1 Upon purchase from Enterprise Car Sales and Financed with InvesTex Credit Union. Visit us at our new location Houston, TX N. Fwy. 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 7/1/18 9/30/18 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 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 or from other sources, with a possible previous use including rental, lease, transportation network company or other use. Photo for illustration only. The e logo & 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 Donated bikes to Hinojosa EC Pre-K Center/ Aldine ISD Delivered treats to Cypresswood Elementary/ Aldine ISD for Teacher Appreciation Week Donation made to Mac Grad Scholarship Fund/ Aldine ISD Sponsored the Humble ISD Education Foundation Academic Awards Banquet Sponsored the Klein ISD Education Foundation Banquet Delivered treats to Nitsch Elementary/Klein ISD for Teacher Appreciation Week Donation made to Hirsch Elementary/Spring ISD for their Donuts for Dad Event Provided goodie bags for Spring ISD Future Teacher Signing Day Event MARCH-APRIL-MAY Since 1952 COMMUNITY CORNER Donated bikes to Lewis Elementary/Spring ISD Donated granola bars for 1st Annual Spring ISD Fun Run Donation made to Spring Stampede Buyers Group for Spring ISD Livestock Show Sponsored the Spring ISD CTE Scholarship Luncheon Sponsored the Spring ISD Education Foundation Golf Tournament Donation made to Tomball Scholarship Fund Donated gift cards for teacher incentives to Tomball Memorial High School/Tomball ISD Donation made to Susan G. Komen Foundation Sponsored the World Baseball Academy Welcome Back to School! Starting out the school year can be a challenge and can also put a dent in your budget. InvesTex Credit Union is here to help by offering financial services that benefit all of our members! FREE Products and Services! Direct Deposit - School districts generally require direct deposit to process payroll. Checking Several InvesTex checking accounts to choose from that best fit your needs. Visa Debit Card - Combines the convenience of plastic with the practicality of checks. UChoose Rewards You shop every day, now earn points for everyday purchases. Earn 1 point for every $4 spent on signature-based transactions. Branch Network InvesTex offers 6 convenient branch locations throughout the greater Houston area. Co-op ATM Network You have access to 30,000 surcharge-free ATMs nationwide. Online Banking Access your account 24/7 through a secured website. View accounts, transfer funds, verify transactions, make loan payments, pay bills, and more! Mobile Banking App Access your accounts anytime, anywhere. Available for both iphone and Android users. Deposit a check, get directions to a branch, apply for loan, and much more! Great Loan Rates Get cash to help you prepare for your school year. Refinance current loans at a lower rate to free up cash. Apply online or visit with a loan officer to assist you with your financial needs. And much more! InvesTex is a strong supporter of education and we appreciate your commitment and sacrifices made to educate our children. Thank you for everything you do. Have a great school year! Members Matter I wanted to let you know that I just had a home equity loan completed by Becky Carranco. My wife and I were in a time crunch and she went above and beyond to get the job done. I have never seen this done by a financial institution so this was just awesome. She is an asset to your company and wanted to make sure she was commended for her work. Because of her performance, my wife plans on having her car loan refinanced at InvesTex in the near future. Thanks, Bill Moreno InvesTex Member These are the kind of stories we here at InvesTex love to hear and why we love coming to work every day making a difference in people s lives. InvesTex provides exceptional member service and always looks for every opportunity to make life better for each member.

4 Financing a College Education A primer for parents and grandparents. Provided by Jason Stepanik A university education can often require financing and assuming debt. If your student fills out the Free Application for Federal Student Aid (FAFSA) and does not qualify for a Pell Grant or other kinds of help, and has no scholarship offers, what do you do? You probably search for a student loan. A federal loan may make much more sense than a private loan. Federal student loans tend to offer kinder repayment terms and lower interest rates than private loans, so for many students, they are a clear first choice. The interest rate on a standard federal direct loan is 4.45%. Subsidized direct loans, which undergraduates who demonstrate financial need can arrange, have no interest so long as the student maintains at least half-time college enrollment. 1,2 Still, federal loans have borrowing limits, and those limits may seem too low. A freshman receiving financial support from parents may only borrow up to $5,500 via a federal student loan, and an undergrad getting no financial assistance may be lent a maximum of $57,500 before receiving a bachelor s degree. (That ceiling falls to $23,000 for subsidized direct loans.) So, some families take out private loans as supplements to federal loans, even though it is hard to alter payment terms of private loans in a financial pinch. 1,2 You can use a student loan calculator to gauge what the monthly payments may be. There are dozens of them available online. A standard college loan has a 10-year repayment period, meaning 120 monthly payments. A 10-year, $30,000 federal direct loan with a 4% interest rate presents your student with a monthly payment of $304 and eventual total payments of $36,448 given interest. The same loan, at a 6% interest rate, leaves your student with a $333 monthly payment and total payments of $39,967. (The minimum monthly payment on a standard student loan, if you are wondering, is typically $50.) 3 When must your student start repaying the loan? Good question. Both federal and private student loans offer borrowers a 6-month grace period before the repayment phase begins. The grace period, however, does not necessarily start at graduation. If a student with a federal loan does not maintain at least half-time enrollment, the grace period for the loan will begin. (Perkins loans have a 9-month grace period; the grace period for Stafford loans resets once the student resumes half-time enrollment.) Grace periods on private loans begin once a student graduates or drops below half-time enrollment, with no reset permitted. 4 What if your student cannot pay the money back once the grace period ends? If you have a private student loan, you have a problem and a very tough, and perhaps fruitless, negotiation ahead of you. If you have a federal student loan, you may have a chance to delay or lower those loan repayments. 3 An unemployed borrower can request deferment of federal student loan payments. A borrower can also request forbearance, a deferral due to financial emergencies or hardships. Interest keeps building up on the loan balance during a forbearance, though. 1 At the moment, federal student loans can be forgiven through two avenues. The first, the Public Service Loan Forgiveness (PLSF) program, requires at least 10 years of public service, government, or non-profit employment, or at least 120 student loan payments already made from the individual. The second avenue, income-driven repayment plans, first lowers the monthly payment and extends the payment timeline based on what the borrower earns. If the balance is finally forgiven, the loan forgiveness is seen by the Internal Revenue Service as taxable income. (If you have student loan debt forgiven via the PLSF, no taxes have to be paid on the amount.) 1,3 Consult financial aid officers and high school guidance counselors before you borrow. Get to know them; request their knowledge and insight. They have helped other families through the process, and they are ready to try and help yours. Lastly, avoid draining the Bank of Mom & Dad. If your student needs to finance a college education, remember that this financial need should come second to your need to save for retirement. Your student has a chance to arrange a college loan; you do not have a chance to arrange a retirement loan. Jason may 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 SIPC & FINRA. SWBC Investment Services, LLC is not affiliated with this institution. FUNDS SHOULD NOT BE CONSIDERED A DEPOSIT OR GUARANTEED BY THIS INSTITUTION, MAY LOSE VALUE, AND ARE NOT NCUSIF INSURED. Citations. 1 - nbcnews.com/better/business/student-loan-debt-what-kids-their-parentsneed-know-ncna [4/12/18] 2 - www2.cuny.edu/financial-aid/student-loans/federal-direct-loans/ [4/19/18] 3 - credible.com/blog/refinance-student-loans/how-much-will-you-actually-payfor-a-30k-student-loan/ [12/4/17] 4 - discover.com/student-loans/repayment/student-loans-semester-off.html [8/3/17] Tax Free Weekend Back to school shopping is here. Be sure to take advantage of the tax free weekend in August. Texas shoppers get a break from state and local sales taxes on August 10th-12th this year the state s annual tax holiday. As in previous years, the law exempts most clothing, footwear, school supplies and backpacks priced under $100 from sales and use taxes, which could save shoppers about $8 on every $100 they spend. Lay-away plans can be used again this year to take advantage of the sales tax holiday. You can find further details online at window.state.tx.us. Let InvesTex Credit Union help you save even more. Apply now for a low rate signature loan. Use your FREE InvesTex Debit Card at retailers that display the Visa logo and collect points on signature transactions while you shop (earn 1 point for every $4 spent). Apply for one of our low rate credit cards such as the InvesTex Platinum, to help you with back-to-school expenses. Happy shopping!

5 Security Corner IDENTITY PROTECTION: TIPS FOR HURRICANE SEASON As we gear up for Hurricane season, we d like to provide you with some helpful tips: Vital Documents - have documents safe and ready to go. Gather personal and financial information and store in a waterproof bag, put in a safe if possible. Copies - make copies of contents in your wallet and important papers (driver s license, birth certificate, and passport). Family Emergency Disaster Plan - create an emergency plan as well as a communication plan of whom to contact in the event of emergency. Plan a primary and secondary meeting place. Emergency Numbers - keep handy emergency numbers: emergency services, electrical power, natural gas, water, and telephone. Record Model Numbers - record model and serial numbers for expensive items. This information will be useful for insurance companies as well as to identify property. You will also want to take photos of these items. Cell Phones - keep cell phones charged and bring chargers in the event of evacuation. Protect Information/Documents - whether staying at a shelter or friend s home, never let these items out of your sight. These items are key to your identify. Hold Mail - request the U.S. Postal Service to hold mail until you return home. This will keep thieves from getting your information. Evacuating - if evacuating, place documents in a waterproof bag and go. To learn more about what to do before a Hurricane check out the American Red Cross and FEMA websites. 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 on the insert. IMAGINE the possibilities with A LOW-RATE HOME LOAN from InvesTex Credit Union! We offer a variety of mortgage products with great rates. Whether it s a new mortgage or refinance, InvesTex Credit Union can meet your needs! Visit us today at InvesTexCU.org or call us at or to speak with our loan specialist for details. Make your new home a reality. Employee Service Announcements Gary Hugo Congratulations to Gary Hugo! June 1st marked 20 years of service with InvesTex Credit Union. Gary joined StarTrust FCU in 1998 as the VP of Lending and was promoted to EVP during his tenure. In June of 2013, Gary transitioned to the InvesTex team as VP of Branch Administration during the merger with StarTrust. In his current role, Gary oversees all InvesTex branches with the support of 7 branch managers. Gary s personal hobbies include running (including the Austin half-marathon annually), traveling and gardening (no vegetables!). Thank you for your dedication and service, Gary. We re fortunate to have you on our team!

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 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) Corporate Fax Number: (281) ebranch Fax Number: (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) Lost/Stolen Credit Card: Effective (800) Download the Free ITCU Mobile App HOLIDAY CLOSURES Labor Day Monday, September 3rd iphone Android