SPRING Conversion Updates Buy a Little Sunshine Value 360 New Branch Updates Cut Your Rate in Half Skip-a-Payment Opportunity Home Equity Loans

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1 SPRING 2016 Conversion Updates Buy a Little Sunshine Value 360 New Branch Updates Cut Your Rate in Half Skip-a-Payment Opportunity Home Equity Loans Spring

2 IMPORTANT CONVERSION UPDATE INFORMATION The conversion of our core processor has been completed! We are also excited to provide you enhanced services with Online Banking, Bill Pay, 24/7 Phone System (ARU), and Mobile Banking. The changes made went extremely well and we appreciate the tremendous support our members have provided. The enhanced services will provide improved security, speed and the flexibility needed to continue expanding these services in the future as technology evolves. Thank you for your loyal membership! NEW FEATURES: Online Banking & Mobile Banking use the same user name and password Online Banking & Mobile Banking display pending transactions (deposits and withdrawals) Schedule your Bill Payments now through Mobile Banking Capable of setting up Account Nicknames in Online Banking Tool for Budgeting with Online Banking Online Banking & Mobile Banking Search Option allows for a specific dollar amount transaction search Online Banking now shows Merchant Logos (if available) on Transaction History Stop Payments available through Mobile Banking Request checks through Mobile Banking Calculate Loan Payoff through Mobile Banking Online Banking/Mobile Banking/Audio Response - you do not have to share user name and passwords with joint account holders. Each account owner creates their own unique user profiles that give them access to only the accounts that they are on, enhancing privacy. As a reminder, we recommend you do not share your user names, passwords, or PINs. 2 InvesTex News

3 Let s Buy a Little Sunshine Special Signature Loan Rate HURRY, PROMOTION ENDS APRIL 30TH! Borrow for debt consolidation, paying off debts, home improvements, vacations; the choice is yours! 6.90% APR* for up to 48 Months Valid January 1st April 30th Plus, No Payments for 90 Days and Skip-a-Payment Opportunities! Additional Sunshine Earn More on Your Savings Refinance your auto from another institution or finance a new or used auto loan with us between now and April 30, 2016 and we ll offer you a special CD rate! See below for the special rates on 36, 48 and 60 month CDs: Special CD Rates!!! 1.60% APY** for 36 Months 1.70% APY** for 48 Months 1.85% APY** for 60 Months You may also receive these special rates by using your 2015 Tax Refund to Open a New CD at InvesTex by April 30, *APR means Annual Percentage Rate. Rates and terms are subject to change without notice. Offer valid through 04/30/2016. InvesTex Credit Union reserves the right to change or cancel the promotion at any time without notice. **APY means Annual Percentage Yield. Spring

4 InvesTex is your one-stop shop, offering you everything you need for your family s financial success. We refer to it as Value360. It encompasses the variety of products and services you have at your fingertips as an InvesTex Credit Union member. Membership matters! Auto Loans Signature Loans Home Equity Loans Mortgages Student Loans Credit Cards CDs IRAs Savings Accounts Checking Accounts Youth Accounts FREE Mobile App FREE Online Banking FREE Bill Pay FREE 24/7 Phone System FREE Debit Card FREE estatements Surcharge-FREE ATMs New FM 1960 Branch/Corporate Office Opening Mid-May The construction of the new corporate office/branch is almost complete. The full service branch will offer drive-thru lanes with an ATM as well as a Walk-Up ATM. The new branch/corporate office is located near the 1960 bypass in Humble, just west of Highway 59/ Interstate 69, between Lee Road and Kenswick Road. The current Aldine Bender location will continue operations even after the new office opens. Please watch the website for opening dates and information. Visit InvesTexCU.org for the most up-to-date information and construction. 1 2 Aldine: 905 Aldine Bender Road Houston, Texas Cypresswood: 230 Cypresswood Drive, Suite H Spring, Texas Tomball: Tomball Parkway, Suite 100 Tomball, Texas NLW-Heights: 1614 North Durham Drive Houston, Texas Atascocita: Atascocita Road Humble, Texas Opening Mid-May 2016 New FM 1960 Branch: 8404 FM 1960 Bypass West Rd Humble, Texas InvesTex News

5 SPRINGTIME SAVINGS Good-bye cold weather and welcome sunny skies! Whether it s 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 HALF Refinance your vehicle or signature loan from another institution to InvesTex and Cut Your Rate in Half (not to go below our as low as rate per term). GREAT DEALS ON VEHICLE LOANS Finance your vehicle purchase or refinance your vehicle loan from another institution and save: Rates as low as 1.99% APR* (36 month term) Same rates for new, used, and refinanced autos Free up cash with no payments for 90 days (subject to approval) *APR means Annual Percentage Rate. Rates and terms are subject to change without notice. Rates quoted are based on approved credit. Risk Based Pricing Notice: The Annual Percentage Rates (APRs) are quoted as low as depending on 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 reporting agencies InvesTex used. Looking for a New or Used Auto? InvesTex has partnered with Member Auto Center to provide you with a convenient, hasslefree car shopping program. The Member Center Auto Program includes a one-stop car shopping website for your entire car researching needs. Avoid the typical sales people by visiting any one of the Preferred Dealerships and work exclusively with a Credit Union Representative. Visit our Member Auto Center link to research thousands of new and pre-owned vehicles Calculate your monthly payment Get a listing of participating dealers Call for any auto buying assistance Purchase your vehicle and finance with InvesTex Visit InvesTexCU.org to apply and get a fast decision so you are prepared to shop and negotiate a great deal Simply visit InvesTexCU.org to start your car shopping today! Spring

6 imember Account Move to the head of the class with the InvesTex imember account. This account is designed for teens and young adults 14 to 24. Let us help with your financial needs. The imember account is truly a no-cost program focused on service and education. Identification Requirements to Open an imember Account (one of the following): Social Security Card State of Texas Driver s License State of Texas issued Identification Card Great Account! Savings account that only requires a deposit of $5 imember Checking that allows you to handle your account electronically (no need for checks) A FREE Debit Card with is available FREE Online Banking and Mobile Banking FREE 24/7 Phone System (ARU) FREE estatements Free Checking Accounts & More With your FREE InvesTex Credit Union Checking Account,* you also get a FREE Debit Card to use for shopping, dining, and travel, wherever you see the logo. Since it s a debit card, it does not 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 Point-of-Sale terminal. InvesTex Credit Union offers over 30,000 FREE ATM locations nationwide as part of the CO-OP Network. Please Note: Several merchants have recently made the decision to accept PIN based debit card transactions only. They will no longer allow customers to swipe and sign at check-out when using their debit card. The credit union and your new EMV card are NOT creating this change. Your credit union is actively pursuing this issue to ensure your payment choices are preserved. *Subject to approval. 6 InvesTex News

7 Choose the Credit Card That s Best for You All ITCU credit cards now have non-variable rates. You can choose a card with or without rewards, or build your credit history with a secure credit card. Select the card that works best for you by applying today online or in person. CARD TYPE WITHOUT REWARDS WITH REWARDS MasterCard Platinum 7.90% APR* 9.90% APR* MasterCard Gold 10.90% APR* 12.90% APR* Share Secured MasterCard Gold 13.90% APR* Not available with rewards What is a Share Secured Credit Card? A share secured card requires a cash deposit equal to the credit line for the account. For example, if you deposit $500, you can charge up to $500. Advantages of a Share Secured Credit Card A share secured card is designed to help you build credit or repair credit. Best use of a Share Secured Credit Card to Build Credit Rating Use the card to buy a few things each month and pay off your balance in its entirety. ITCU s Share Secured Credit Card MasterCard Gold Share Secured Credit Card, so it s accepted everywhere MasterCard is accepted No Annual Fees A Great Low Rate of 13.90% APR* *APR means Annual Percentage Rates. Rates and terms are subject to change without notice. Credit card changes require 45 days advance notice. Security Corner Stay Protected Online Here are some additional tips you can use to avoid becoming a victim of cyber fraud: Do not respond to unsolicited spam s. Be cautious of s claiming to contain pictures in attached files, as the files may contain viruses. Only open attachments from known senders. Scan the attachments for viruses if possible. Do not click on links contained within an unsolicited . Log directly onto the official website for the business identified in the , instead of linking to it from an unsolicited . If you are asked to act quickly, or there is an emergency, it may be a scam. Fraudsters create a sense of urgency to get their victims to act quickly. Verify any requests for personal information from any business or financial institution by contacting them directly using their main contact information. Spring

8 Skip-a-Payment 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. Home Equity Loans MAKE THE EQUITY IN YOUR HOME WORK FOR YOU Use the equity in your home to do almost anything you please, pay-off those high-interest rate credit cards, make home improvements, take a family vacation, pay for college, or whatever you desire. Rates are low and in most cases, you ll pay no closing cost! Discounted Theme Park Tickets InvesTex continues to offer discounts on tickets to multiple 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! Discounted Tickets 8 InvesTex News

9 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 Employee Service Announcement SHANNON RICHARD Congratulations to Shannon Richard! February 14th marked 5 years of service and commitment with InvesTex Credit Union. Shannon joined InvesTex in 2011 as a Member Service Representative and was quickly promoted to the position she currently holds, ebranch Manager. Shannon s laughter can frequently be heard throughout the office where s she known as a team cheerleader and for her outgoing personality. Shannon enjoys spending time with her husband and children, listening to music, and dancing. Thank you Shannon for your dedication and commitment to serving the members of InvesTex. We re proud you are part of our TEAM! GRADUATE TO A NEW RIDE WE LL MAKE YOUR FIRST PAYMENT UP TO $ Upon purchase from Enterprise Car Sales and Financed with InvesTex Credit Union April 1 June 30, 2016 Call or to get pre-approved by InvesTex Credit Union. Preview our great selection of quality used vehicles at enterprisecarsales.com/investexcu 1 Vehicle must be financed using standard financing terms through InvesTex Credit Union to qualify for payment offer. Member assumes responsibility for making the first loan payment on the agreed due date. Enterprise Car Sales will reimburse up to $350 of the first payment amount into your InvesTex Credit Union savings account. Please allow up to 4 weeks after vehicle is financed through InvesTex Credit Union for reimbursement to occur. Offer void when 7-day Repurchase Agreement is activated. Offer valid 4/1/16 6/30/16. No cash advances. Offer not valid for previous Enterprise purchases or with any other offer. Used vehicles were previously part of Enterprise short-term rental and/or lease fleet or purchased by Enterprise from other sources including auto auctions, with previous use possibly short-term rental, lease or other. All vehicle inventory is available by visiting enterprisecarsales.com or an Enterprise Car Sales location and asking for assistance in finding an available vehicle in Enterprise Car Sales nationwide inventory. Delivery of vehicles outside local area may require transfer fee. The e logo, Enterprise and Haggle-free buying. Worry-free ownership. are trademarks of Enterprise Holdings, Inc. All other trademarks are the property of their respective owners Enterprise Car Sales. G04615 CT 6x5.5 AD 2/16 DB Spring

10 December 2015 January-February-March 2016 Donated to Hinojosa EC Pre-K Literacy Library/Aldine ISD Donated to 46 needy Hinojosa EC Pre-K families for Christmas/Aldine ISD Donated to Aldine ISD Livestock Show Superintendent s Buyers Group Donated to Ford Elementary Super Hero Fun Run/Conroe ISD Donated to Humble High School Choir Program/Humble ISD Donated gift cards to Lemm Elementary/Klein ISD Donated gift cards and board games to Nitsch Elementary/Klein ISD Donated to Westfield High School Lariettes Drill Team/Spring ISD Donated board games to Hirsch Elementary/Spring ISD Participated in the Spring ISD Grant Express delivering Grants Sponsored Greater Tomball Area Chamber of Commerce Holiday Parade Participated in the Klein ISD Celebration Express delivering Grants Donated gift cards to Lewis Elementary/Spring ISD Donated to the Spring ISD Gift of Reading Program Donated gift cards and board games to Willow Creek Elementary/Tomball ISD Sponsored Back-to-School Breakfast for Tomball Memorial High School Faculty/ Tomball ISD Donated to the Texas A&M Aggie Transition Camp Guest Speaker for AXA Advisors College Event 10 InvesTex News

11 Important Information 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, 2016 member statement. When you receive your June 30, 2016 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. Complaint Notice 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: 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 InvesTex produces an annual report that is made available during the annual meetings and each InvesTex Branch locations. 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. Non-Visa Transaction Processing We have enabled non-visa debit transaction processing. This means you may use your Visa-branded debit card on a PIN-Debit Network* (a non-visa network) without using a PIN. The non-visa debit network(s) for which such transactions are enabled are: ACCEL/Exchange Networks, COOP Network or Plus. Examples of the types of actions that you may be required to make to initiate a Visa transaction on your Visa-branded debit card include signing a receipt, providing a card number over the phone or via the Internet, or swiping the card through a point-of-sale terminal. Examples of the types of actions you may be required to make to initiate a transaction on a PIN-Debit Network include initiating a payment directly with the biller (possibly via telephone, Internet, or kiosk locations), responding to a logo displayed at a payment site and choosing to direct payment through using known information derived from an existing relationship with you instead of through use of a PIN. The provisions of your agreement with us relating only to Visa transactions are not applicable to non-visa transactions. For example, the additional limits on liability (sometimes referred to as Visa s zero-liability program) and the streamlined error resolution procedures offered on Visa debit card transactions are not applicable to transactions processed on a PIN-Debit Network. *Visa Rules generally define PIN-Debit Network as a non-visa debit network that typically authenticates transactions by use of a personal identification number (PIN) but that is not generally known for having a card program. Spring

12 905 Aldine Bender Rd. Houston, TX InvesTex News Aldine: 905 Aldine Bender Rd. Houston, TX ebranch Phone: (281) Phone Toll Free: (866) Hour Services Audio Response: (281) Toll-Free Audio Response: (866) Atascocita: 5212 Atascocita Road Humble, TX Cypresswood: 230 Cypresswood Dr. Suite H Spring, TX Tomball Parkway: Tomball Pkwy. Suite 100 Tomball, TX Fax Number: (281) Fax (Main): (281) Visit Us Online: InvesTexCU.org Info@InvesTexCU.org Online Banking/Bill Pay: InvesTexCU.org Mobile Banking App: Available for Download on Apple & Android Devices NLW-Heights: 1614 N. Durham Houston, TX Routing Number: Trust! Service! Visa Debit Card Activation/ PIN Changes: (800) Opening Mid-May 2016 FM 1960 Branch 8404 FM 1960 Bypass West Road Humble, TX Lost/Stolen Visa Debit Card: (800) Lost/Stolen Credit Card: (800) PRESORT STD US POSTAGE P A I D HOUSTON, TX PERMIT NO This credit union is federally insured by the National Credit Union Administration. Holiday Closings Memorial Day Monday, May 30th Independence Day Monday, July 4th