Building lifelong relationships with our members to help them achieve their financial goals. Volume 10, No. 3 Summer

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1 Building lifelong relationships with our members to help them achieve their financial goals Volume 10, No. 3 Summer

2 Our Local Impact Sets Us Apart On our Testimonial page at you ll notice recent notes from members about how Travis Credit Union has helped them. These include an April 11 comment from a member at our Merced branch that read: Everyone that helped me was really good. I ve been so glad to have transferred from the bank I was using. Another note, this one from a member at our Fairfield Branch, said: I come in often and everyone knows me by first name. I love that about TCU. Keep up the excellent work. Pat and I are proud of the local impact the credit union has had in our community, not just with our services and products, but with our commitment to financial education, literacy and advocacy. We believe that what we do to help our neighbors, friends and family members become better money managers, sets us apart from other financial institutions. These aren t just token ideals; they are part of the credit union s culture and social responsibility. Barry Nelson President & CEO For example, Travis Credit Union was recently certified by the U.S. Treasury s Community Development Financial Institutions (CDFI) Fund to better meet the needs of low-income consumers. We re among only 808 organizations in the U.S. to receive this designation, which allows us to expand our programs in these areas. Another example can be found in this issue of Smart Money Matters. We re proud to announce the 2016 recipients of our $1,500 Mary Keith Duff Memorial Scholarship. To date, we have awarded more than $281,500 in scholarships since 2004 to college-bound members. Pat Moreno Board Chair Other efforts include our free financial seminars, our free tax preparation services program and our popular Mad City Money Teen Financial Bootcamp on managing money. Overall, we reached 10,564 people with our financial literacy efforts in These are just a few examples of the local impact the credit union has had over the past year. Pat and I are thankful for having a dedicated group of volunteers, managers and employees who make this all happen, year after year. We re equally grateful to our members for placing their financial trust in us, which allows us to do what we do. Have a safe and fun summer! 2 w w w. t r a v i s c u.org

3 Contents Results of Our 65 Th Annual Meeting 2 Message from the CEO 3 Results from our 65th Annual Meeting Central Valley Community Meeting 4 Congratulations to our 2016 Scholarship Winners Our 65th Annual Meeting was held on Thursday, April 28, 2016, in the Community Room at our corporate headquarters in Vacaville. Board Chair Patricia Moreno and TCU President and CEO Barry Nelson reported about the credit union s 2015 accomplishments and our financial goals for Board elections were held at this meeting. Incumbents Len Augustine, Pat Moreno and Curt Newland were re-elected to three-year terms on the board of directors. Arturo Reyes was re-elected to a three-year term on the Supervisory Committee. Thanks to those members who attended. See you again next year! 6 Business Matters: At Travis, We Mean Business 7 Summer Auto Refi and Rewards 8 In The Community 10 Real Estate News: Travis Has Tools for Homebuyers 100% Financing Central Valley Community Meeting 11 From finding a home to financing it, we ve got you covered 12 Need a Home Refi? We ve got it covered! Enjoy No Points, No Fees Refinancing Energy-efficient homes Save Money Go Green Today Enjoy Higher Limits on Mobile Deposit TCU President and CEO Barry Nelson led our Central Valley Community Meeting on May 24 at the Castle Air Museum. Nelson spoke about items discussed at our recent 65th Annual Meeting and talked about information pertaining to our branches in Atwater and Merced. 13 Six Ways To Protect Your PC 14 Free Seminars (707) or (800)

4 Congratulations to our 2016 scholarship winners Twenty one high school students headed to college this fall are doing so with $1,500 scholarships from Travis Credit Union. Congratulations to our 2016 recipients of the Mary Keith Duff Memorial Scholarship, a program aimed to help collegebound Travis members with college expenses. This annual scholarship program demonstrates the credit union s commitment to higher education in the communities we serve. This year s winners received their awards on June 8 at a ceremony in the Community Room of our corporate offices in Vacaville. The finalists were selected by the Scholarship Committee, which is comprised of credit union board members, volunteers and senior staff. The committee thanks every student who applied for these awards. There we so many applicants for our 21 scholarships that we decided we needed to add one more this year! We re proud that our members include some of our best and brightest local high school graduates around. Good luck on your endeavors! Applying for 2017 scholarships If you will be a high school senior this fall and are a TCU member in good standing, you re eligible to apply for this scholarship for fall You ll need to submit a letter from one of your high school teachers, an official copy of your transcript and a summary of your volunteer activities. A 250-word essay describing your education and career goals is also required. Applications will be available in branches and posted on on January 1, We encourage graduating high school seniors to apply at that time. Alexander Joseph Lopez Vacaville High School Cal Poly San Luis Obispo Civil Engineering Chyrylle Bernabe Digsay Fairfield High School University of California, Berkeley Biology Jake Walejko Buhach Colony High School Cal Poly San Luis Obispo Mechanical Engineering Rachel Danielle Syrett Armijo High School Solano Community College Zoology Alyssa Leigh-Ann Ayala Buhach Colony High School University of California, Davis Bio Chemistry Danielle C. Harris American Canyon High School University of Pennsylvania Chemistry Joseph Kratz De La Salle High School University of California, Berkeley Economics Thomas Mitchell Weisz Armijo High School Arizona State University Kinesiology 4 w w w. t r a v i s c u.org

5 Asia Jones North Bay Christian Academy University of California, Riverside Business Administration Brandon Ryan Ho Napa High School University of California, Los Angeles Pre-Medicine Brittany Danielle Knight Will C. Wood High School Brigham Young University Vocal Performance with an emphasis in Opera Catherine Cortez Saint Patrick-Saint Vincent High School University of California, San Diego Public Health Giovannah Lizette Webb Carondelet High School Yale University Business Management and Administration and Computer Science Grace Marisol Baxter Armijo High School University of California, Davis English and Dance Hailey Nichole Kenyon Vacaville Christian High School Point Loma Nazarene University Dietetics Jackson Schaefer College Park High School San Jose State University Kinesiology Katherine Neithercut Davis Senior High School Mills College Creative Writing Katrina Janae Basinger Will C. Wood High School Brigham Young University Theatre Studies Monica Elena Vree Rodriquez High School University of California, Davis Undeclared-Humanities Olivia Corinne Petnicki Vacaville Christian High School University of the Pacific Health and Exercise Sciences 2016 RECIPIENTS Victoria Lynne Joyce Will C. Wood High School Channel Islands California State University Environmental Science and Resource Management (707) or (800)

6 business matters john shelby vp of business lending At Travis, We Mean Business Business Exit and Succession Planning Today s business owners are not only concerned with how to run their business in the current economic environment but how and when to position their business for sale in the coming years. As a result, the need for an exit and/or succession strategy necessary to successfully convert business assets into a retirement nest egg has increased among those baby-boomers at the helm of their business. Uncertainty in how capital gains will be treated going forward will also likely prompt a further rise in owners wanting to sell their business now to avoid potentially unfavorable tax implications at some point in the future. A change of ownership is on the horizon The Wall Street Journal has predicted a $10-trillion wealth transfer by 2020 through the sale of small businesses alone. Over the next five years, 29% of business with $100,000 to $10 million in revenues are expected to plan a change of ownership. At the larger end of that revenue spectrum, $7 million to $10 million, the number anticipating a change or ownership jumps to 33%. Maximizing the value of the business A recent Sun Trust Bank Study showed that 60% of owners surveyed had delayed their exit plans by at least two years given the Great Recession. And of those who delayed a sale, 42% felt maximizing their business s value in the most important part of their exit plan. According to a Wall Street Journal report on medium sized businesses, 90% were not prepared for sale due to the likelihood of a lower price and/or unacceptable financing terms. In many cases, preparing to sell a business involves working with outside consultants, such as bankers, CPAs, exit strategy experts and attorneys, to help position the business and execute the sale. In addition, the professional consultant typically takes the lead in locating a reliable buyer a critical factor in that the seller will most likely always carry a subordinate note. This process can take up to 2 to 3 years in order to generate maximum value for the seller. SBA financing can make the difference Small Business Administration (SBA) loans are often the best financing vehicle for buyers because the repayment term is 10 years versus 5 years. A longer term will minimize the strain on cash flow. In addition, the buyer can often qualify without complete outside real estate collateral since lenders may be willing to rely on the 75% guarantee from the SBA to offset the under-collateralized risk. Keep in mind that every transaction is different. At Travis, we mean business Travis Credit Union has been providing hands on guidance to businesses like yours for nearly 65 years through up markets and down. Through each of these cycles we have helped companies succeed as they innovate, take risks, and provide the engine for growth and expansion. Travis Credit Union specializes in acquisition financing with an experienced merger and acquisitions lending team with extensive Small Business Administration (SBA) experience. We consistently conduct extensive research with industry experts to develop the products and deliver the service required for successful business acquisition financing. One of the pleasures of running small and mid-sized businesses is the connection that develops between you and your customers. Because of your size you can develop a strong and interactive relationship that serves and anticipates your customers needs. This creates the foundation for a high level of service to our membership. At Travis Credit Union we strive to serve you with the same level of dedication and understanding that you give to your customers. As a TCU member, you should take advantage of our experts in this area. Feel free to reach out to our Business Lending team at any time. You can also reach out to me at jshelby@traviscu.org. 6 w w w. t r a v i s c u.org

7 Don t Wait! THIS OFFER EXPIRES SEPTEMBER 30, 2016 Skip Your Car Payments Refi your Auto Loan to Travis and get 100 bucks + No Payments for 90 Days! Spend the summer doing the things you love to do instead of worrying about your auto loan payments. Simply refinance your existing non-travis auto loan with us by Sept. 30, 2016, and we ll defer your monthly payments for 90 days and give you $100 cash!* Enjoy the financial flexibility that comes with three months of payment deferrals and more money in your pocket. If you re making auto loan payments elsewhere, it pays to refinance your loan with Travis Credit Union. It s the best deal of the summer! Just cut, fill out and bring the coupon below to your nearest Travis branch or visit to apply online. Refi & Rewards Start summer with a 3-month break from Auto Payments and $100 SUMMER AUTO Refinance your auto loan and defer your payments for 90 days and get $100! Bring this coupon into a branch and apply before Sept. 30, 2016 or call (707) or (800) Apply Today! MAIL: EMPLOYEE USE: RETURN TO MARKETING MEMBER NAME: MEMBER # : EMPLOYEE: Don t wait, this coupon expires September 30, 2016 *This offer is for refinance of an auto loan from another lender. Cannot be combined with other consumer loan offers and is not valid on existing Travis Credit Union loans or loans paid to individuals. To qualify, auto refinance applications from another lender must be submitted on or after June 15, 2016 and no later than Sept. 30, Coupon required to receive $100 offer. Auto refinance loan must be at least $15,000 and member or non member must have valid registration in order to qualify for this offer. $100 will be deposited into primary member s savings account within 45 days of the loan funding date. Member is responsible for applicable tax consequences associated with this offer. Please consult your tax advisor. Rates based on creditworthiness and age of vehicle. **90 days deferred payments: The interest on your vehicle loan will continue to accrue from the date your vehicle loan is funded and transferred. Federally insured by NCUA. Everyone who lives, works, worships or attends school in our 12-county area is eligible to join. Certain requirements may apply. (707) or (800)

8 IN THE COMMUNITY Travis Credit Union employees actively support the people and communities we serve through an investment of financial resources and human capital. We re also engaged based on our core purpose, promoting the mission of "People Helping People, through financial literacy and advocacy initiatives. Here are some of the events our employees participated in over the past few months. Financial Literacy Month Resource Fair Travis Credit Union participated in the California Department of Oversight Financial Literacy Month Resource Fair on April 26, 2016, at the California State Capitol. We are champions of financial advocacy and literacy in all of the communities we serve. Credit Union SACTOWN Run TCU employees once again volunteered and participated in the Credit Union SACTOWN Run on April 3 at the State Capitol. This event raises funds for the Childrens Miracle Network Hospitals. 8 You can find events that we host, sponsor or support at The Events tab is located under the Community section of our website. w w w. t r a v i s c u.org

9 Vacaville Boys & Girls Club Bowl-A-Thon Travis Credit Union once again supported the Vacaville Boys & Girls Club Bowl-A-Thon on March 19. We are proud to support organizations that help keep our youth engaged and involved in our communities. Energy Expo On May 7, Travis Credit Union held its first Energy Expo in its Community Room in Vacaville to allow members as well as the public to learn about energyefficient products, including solar electrical systems, without the sales pressure. The event showcased local businesses in the home improvement industry as well as utility companies. (707) or (800)

10 real estate news tanya robinson avp, real estate lending Travis has tools for Homebuyers When you select Travis Credit Union you will work with a local team of Real Estate experts who will take care of you every step of the way. We know how important it is to you. Our goal is to make your purchase go as smoothly as possible and to close on time. We offer no-down VA loans, low-down FHA loans as well as conventional and jumbo loan products up to $3 million. We have short-and-long term fixed rate loans, as well as variable rate options to fit your circumstances. In addition to Fannie Mae s low down program, Travis offers our own version that is available on our ARM product that is limited to first-time homebuyers. We also offer purchase loans with no points and no fees that can help stretch your down payment by reducing your closing costs by an average of $2,500. Our no points, no fees home loan refinancing is a great reason to save money this summer or any time of the year. Take advantage of our competitive low fixed rates to refinance your home today. You ll save money not only on the cost of refinancing but by lowering your mortgage payments as well. If you ve got enough equity in your home, refinancing to a lower rate may also allow you to shorten the term of your existing mortgage so you can pay off your home even faster. You may even consolidate debt and turn your equity into cash! If you know of a friend or family member who is in the market to purchase a home, we d love to hear from them. Travis Credit Union delivers excellent value to our members by also offering you the tools you need for homeownership. Talk to us first and we are confident you will be glad you did. You can call us at (707) or toll free (888) , Monday through Friday, during regular business hours. Or, you can visit our Home Loan Center at Our local branches have Saturday hours, too. Your Dream Home with Zero Down. Get out of the Renter s Rut with 100% Financing from Travis! Are you worried about not saving enough for a down payment to buy a home, despite having solid income and good credit? Is it painful to sign that rent check every month? Do you feel trapped in a Renter s Rut? Our knowledgeable and friendly Mortgage Loan Consultants can explain our 100% financing option, as well as discuss our other home loan products. Just call, click or stop by today: Call (707) Apply online percent-financing/ Stop by a branch! *Offer applies to purchase loans to 100% loan-to-value only. Based on a 95% first mortgage of $417,000 and a 5% fixed equity second mortgage of $22,000 for a total of $439,000. Financing available up to $500,000 for owner-occupied California primary residence properties only. First-time home buyers only (not owned in last 3 years). Minimum 720 FICO score required. Loan requires two months of PITI reserves. Mortgage insurance required. An impound account for taxes and insurance is required and you are responsible for those set-up amounts. Other restrictions may apply. Please consult your tax advisor regarding the deductibility of interest and charges. See account disclosure for complete details. Offer cannot be combined with other discounts or promotions. Certain membership eligibility requirements may apply. NMLS registered. Equal Housing Opportunity 10 w w w. t r a v i s c u.org

11 From finding a home to financing it, we ve got you covered. If you haven t found your dream home or are not yet ready to buy, you can save your favorite searches for later. You can also set up alerts when a home that matches your criteria is listed for sale! Experts available any day HomeAdvantage experts are available seven days a week. They can answer your questions about home buying as well as help you find what you re looking for on our Home Advantage page. We ve made it easier for you when preparing to buy a new home! Travis Credit Union s HomeAdvantage program powered by CU Realty provides you with a one-stop shopping experience that ranges from finding your home to getting pre-approved for a loan. Once you enroll in our program, you ll gain instant online access to services such as full Multiple Listing Service access, recent data on comparable sales, demographics of your desired area, schools data, crime statistics and more! What s more, you ll be able to select from TCU s network of trusted Real Estate Agents and earn up to a 20% rebate on that agent s commission after that loan closes no matter if they re helping you buy or sell a home. Earn a 20% rebate You ll earn a cash rebate of up to 20% of your agents commission when you select a real estate agent within our HomeAdvantage network to buy or sell your home. Our agents all have biographies on our HomeAdvantage Web site. The cash rebate is yours to spend as you wish. The accompanying chart shows your potential rebate, which is based on the total home price and not the amount borrowed. Find a home Use our free service to find the right home in the right neighborhood. You can search by price, city, neighborhood, street or zip code. You select the number of bedrooms, bathrooms and home style and the program automatically searches by your preferences. If you re targeting an area, you can simply circle it on a map and you ll see what s for sale. Find a Real Estate Agent Choose from our network of reputable Real Estate Agents who specialize in your area of interest and are committed toward delivering quality service. We have selected only agents who are fully licensed and have been full-time real-estate professionals for at least three years. You can browse for a Real Estate Agent or we can recommend one for you. All it takes is a phone call or a quick visit to our website. Enroll today! As a member, you can enroll for free in our HomeAdvantage program. Just visit and click on the HomeAdvantage link in our Real Estate section. Enrollment is fast and easy with a simple online form. If you have any questions about this program, you can call HomeAdvantage directly at (800) Enroll today in HomeAdvantage and earn a rebate of up to 20% off the real estate agents commission whether your selling or buying a home! HOME SALE PRICE REBATE $100,000 $600 $200,000 $1,200 $300,000 $1,800 $400,000 $2,400 $500,000 $3,000 $600,000 $3,600 $700,000 $4,200 $800,000 $4,800 (707) or (800)

12 Need a Home Refi? We ve got it covered! Enjoy No Points, No Fees Refinancing If it is time to consider refinancing your home loan, Travis Credit Union can help. Our no points, no fees home loan refinancing can save you money this summer or any time of the year. Take advantage of our competitive low fixed rates to refinance your home loan today! Refinancing your home may help you lower your monthly mortgage payments. And if you ve got enough equity in your home, refinancing to a lower rate may allow you to shorten the term of your existing mortgage so you can pay off your home even faster. You may even consolidate debt and turn your equity into cash! Our knowledgeable and friendly home loan consultants can help determine the best refinance loan for you! Just call, click or stop by to apply: n Call (888) n Apply online at n Stop by your local TCU branch, all with Saturday hours NMLS registered. Equal Housing Opportunity. Energy-efficient homes Save Money Go Green Today! Are you looking for ways to save money on your utility bills? Updating your home with energy-efficient improvements is a great way to save money and be friendly to the environment. Travis Credit Union s Energy Loan allows homeowners to borrow up to $35,000 for energy-related home improvement projects. Best of all, this loan is not tied to the equity in your home because our Energy Loan is not a home loan product. Use our Energy Loan to install a new furnace, an air conditioning unit, solar panels or dual-pane windows. You can also use this the Energy Loan to buy Energy Star-rated appliances such as washing machines, dryers and refrigerators. Enjoys terms of up to 120 months for loans of $1,000 to $15,000.* Terms of up to 180 months are available for loans from $15,000 to $35,000. Energy-efficient homes save money. Start saving on your home today! Stop by a branch or give us a call today at (800) *APR (Annual Percentage Rate). Loan rates are based on applicant s credit history and other underwriting factors. Borrower must provide copy of valid purchase order or invoice for qualified energy-related home improvement project. Energy loan is available only for purchase and installation of new furnaces, air conditioning units, solar panels, dual-pane windows and Energy Star-rated appliances. All loan rates are subject to change daily without notice. This is an unsecured loan and is not associated with a home loan product. Payment per $1,000 balance is based on APR. Payment example may be lower or higher depending on your credit history and other underwriting factors. For example, the payment per $1,000 with a term of 10 years (120 months) at 6.99% is $ The payment for a $20,000 loan with a 120-month term at 6.99% is $ Enjoy Higher Limits on Mobile Deposit Travis Credit Union members who use the Mobile Deposit feature on our Mobile App can now enjoy higher deposit limits. Depending on a member s eligibility, the daily deposit limit is now $20,000. The weekly deposit limit is $40,000, while the monthly limit is $60,000. Take a picture of your check to deposit it Mobile Deposit is a feature of our Mobile App that lets you take a picture of your paper check and deposit electronically using your smart phone or tablet device. Certain restrictions apply. You may download the free app for your Apple or Android device from 12 Travis Credit Union s standard check hold policy applies to deposits made using Mobile Deposit. There is no cut-off time for depositing checks through Mobile Deposit. If you deposit your check after 3:00 p.m. PST, however, the check will be processed the following business day. As a precaution, please retain your check for at least one week before destroying it. For more information, visit our website at or call us at (800) during normal business hours. w w w. t r a v i s c u.org

13 SIX WAYS TO PROTECT YOUR PC Owning a personal computer today comes with challenges such as learning new programs and operating systems. But the greater challenge is protecting yourself from hackers and other types of cybercriminals who try to steal your personal information, infect your computer with a virus or even take over your computer entirely. Fortunately, there are steps you can take to help thwart these cybercrimes. Here are six tips from the U.S. government to protect your personal computer. 1. Create strong passwords The longer the password, the tougher it is to crack. Experts suggest using at least characters for most home users. Mix letters, numbers and special characters in an unpredictable way that only makes sense to you. Avoid using your name, birthdate or common words. Avoid using the same password for several accounts. 2. Back up your computer files Backing up the data on your computer to an external hard drive, a removable disc or some other storage device is a practical way to keep your data safe and backed up if your computer becomes inaccessible or compromised. 3. Check online reviews Research a company before doing business with it. Do an online search using the business name and add a word such a reviews, complaints or scams to determine its legitimacy, especially before you provide the company with your personal and financial information. 4. Guard your personal data Keep safe your Social Security number, credit union account numbers, credit card numbers and other personal and financial data. This data, if stolen, can all be used by identity theft thieves to steal your money or open new fraudulent accounts in your name. Treat your personal information like cash and be cautious about giving it out. 5. Shop at secure online sites If you re shopping or banking online, stick to websites that use encryption to protect your information as it gets transmitted. Look for the https at the beginning of the web address and on every page of the site. It is a sign that the page is encrypted. 6. Use Security Software Ensure your computers security software is automatically updated to protect it against the latest online threats. Out-ofdate anti-virus programs may not stop malware from infecting your computers. Remember to buy security software only from reputable businesses, and never from unexpected pop-up messages or s. talk about savings. say hello to the Sprint Credit Union Member Discount. Consumers Save Businesses Save 10 % 15 % or On select regularly priced Sprint monthly service. Plus, waived activation & upgrade fees (up to $36 in savings each). Learn more Call: 877.SAVE.4.CU Visit: Click: LoveMyCreditUnion.org/Sprint Be sure to mention this code for your discount Consumer: NACUC_ZZM Business: NACUC_ZDS_ZZM Credit union membership validation is required. Get your FREE Love My Credit Union Rewards app and simplify credit union membership validation. Credit approval req. Early Termination Fee (sprint.com/etf): After 14 days, up to $350/line. IL Discount: Available for eligible company employees or org. members (ongoing verification). Discounts subject to change according to the company's agreement with Sprint and are available upon request for monthly svc charges on select plans. Discount only applies to data buy-ups/add-ons for Unlimited, My Way and Framily plans, Talk 450, and primary line on Talk Share 700. Other Terms: Offers and coverage not available everywhere or for all phones/networks/plans. Restrictions apply. See store or sprint.com or Sprint. All rights reserved. Sprint and the logo are trademarks of Sprint. Other marks are the property of their respective owners Sprint Item # CU Solutions Group (707) or (800)

14 free seminars Travis Credit Union offers a variety of free seminars throughout the year on a range of subjects designed to help you achieve your personal and financial goals. Here are the seminars occurring in the third quarter of IDENTITY THEFT: WHO S GOT YOUR NUMBER? How do people make themselves vulnerable to identity theft? This presentation helps you understand how to protect your Social Security number from fraud, become skilled at spotting phishing attacks on your inbox, learn how to shop safely online and what to do if you become a victim of fraud. July 14, 9 to 10:30 a.m., TAFB Family Readiness Center (TAFB personnel only) 10 STEPS TO FINANCIAL SUCCESS From developing a spending plan that works to setting goals and weighing insurance needs, this presentation covers the core concepts necessary to develop and maintain personal financial control. Aug. 8, 5:30 to 7 p.m., Richmond Public Library 325 Civic Center Plaza, Richmond Aug. 9, 6 to 8 p.m., TCU Community Room One Travis Way, Vacaville COLLEGE FINANCING 101 Rising college tuition costs continue to outpace inflation. Through a combination of long-term savings and an understanding of financial aid opportunities, you will learn how to make continuing education for your children or yourself a reality. Sept. 8, 9 to 10:30 a.m., TAFB Family Readiness Center (TAFB personnel only) Sept. 12, 5:30 to 7 p.m., Richmond Public Library 325 Civic Center Plaza, Richmond Sept. 13, 6 to 8 p.m., TCU Community Room One Travis Way, Vacaville Sept. 19, 6:30 to 8 p.m., John F. Kennedy Library 505 Santa Clara St., Vallejo Sept. 21, 6:30 to 8 p.m., Napa Library 580 Coombs St., Napa Sept. 24, 12:30 to 2 p.m., Antioch Public Library 501 W 18th St., Antioch Aug. 11, 9 to 10:30 a.m., TAFB Family Readiness Center (TAFB personnel only) Aug. 15, 6:30 to 8 p.m., John F. Kennedy Library 505 Santa Clara St., Vallejo Aug. 17, 6:30 to 8 p.m., Napa Library 580 Coombs St., Napa Aug. 27, 12:30 to 2 p.m., Antioch Public Library 501 W 18th St., Antioch SOCIAL SECURITY SEMINAR Aug. 25, 6:00-7:00 p.m., TCU Community Room One Travis Way, Vacaville Hosted by: Travis Financial Services Presentation by: Kathleen Shipley HOMEBUYER SEMINAR Preparation for home ownership begins long before the purchase actually takes place. This seminar covers pre-purchase issues such as budgeting, determining how much house is affordable, saving for a down payment and other costs. You ll learn about credit reports, managing your debt-to-income ratio, the types of home loans available and the mortgage lending process. July 16, 9 a.m. to noon, TCU Community Room One Travis Way, Vacaville Aug 20, 9 a.m. to noon, Jantz Café 987 Bellevue Road, Atwater Sept. 17, 9 a.m. to noon, TCU Community Room One Travis Way, Vacaville Sept. 29, 9 to 10:30 a.m., TAFB Family Readiness Center (TAFB personnel only) 14 w w w. t r a v i s c u.org

15 rsvp online To find a list of free seminars visit MAD CITY MONEY This 3-1/2 hour simulation gives high school students a sense of adulthood with income and bills to pay. Each participant is assigned a temporary identity, including occupation, salary, debt, marital status and children, etc. They visit nine merchants in Mad City to choose housing and transportation, and purchase necessities and wants. The goal is to simulate the realities of approaching financial responsibilities. Session objects are: n Practice budgeting as an adult with realistic circumstances n Identify and experience the consequences of poor decisions n Develop good judgment regarding spending n Understand that budgeting is a necessary step in good money management and that it isn t difficult July 6, 12:30 to 4:30 p.m., TCU Community Room One Travis Way, Vacaville July 8, 12:30 to 4:30 p.m., Diablo Valley College 321 Golf Club Road, Pleasant Hill July 13, 12:30 to 4:30 p.m., TCU Community Room One Travis Way, Vacaville July 19, 12:30 to 4:30 p.m., Paradise Skate Roller Rink 1201 W 10th Street, Antioch July 26, 12:30 to 4:30 p.m., Napa Library 580 Combs St., Napa COLLEGE RESOURCE FAIR Attendees will learn about the college admission process and about the various financial aid packages and programs that are available to students and their parents. Also, students can learn tips on how to make their college career a successful one! Sept. 27, 6 to 8:00 p.m., TCU Community Room One Travis Way, Vacaville HOMEBUYER SEMINAR SERIES Session 1 This 75-minute session will provide an overview of the home buying process and what to expect. You will learn about the costs involved, payment examples and down payment requirements. You ll also receive information on obtaining a free copy of your credit report for Session 2. By the end, you ll be able to determine if today is an appropriate time for you to buy and what you can afford. Session 2 This 75-minute session picks up where Session 1 left off or can be taken as a standalone course. It provides information on myths and misconceptions of the buying process. In addition, you ll learn about budgeting and credit requirements. Also, we ll discuss the rules regarding prior Bankruptcy, Foreclosure and Short Sales. By the end of this session, you will know if your credit score is sufficient to buy a home and if not what you can do to improve it. Session 3 This 75-minute session picks up where Session 2 left off or can be taken as a standalone course. We ll go in depth about loan products and which might be the best for you. FHA, VA, Conventional, Jumbo and First Time Buyer programs are explained. You ll learn about Home Advantage, our Real Estate program, as well as the benefits of working with Travis Credit Union. By the end of this session, you ll know if today is the right time to take the next step and get pre-approved and begin working with a real estate agent. 7/13 (Session 1), 7/20 (Session 2), 7/27 (Session 3), 6 to 7:30 p.m. Napa Branch, 3263 Claremont Way, Napa 8/10 (Session 1), 8/17 (Session 2), 8/24 (Session 3), 6 to 7:30 p.m. Davis Branch, 1380 E Covell Blvd, Davis 8/31 (Session 1), 9/7 (Session 2), 9/14 (Session 3), 6 to 7:30 p.m. Peabody Branch, 2010 Peabody Road, Vacaville 9/21 (Session 1), 9/28 (Session 2), 10/5 (Session 3), 6 to 7:30 p.m. Terrace Center Branch, 2721 Lone Tree Way, Antioch (707) or (800)

16 P.O. Box 2069 Vacaville, CA PRESORTED STANDARD U.S. POSTAGE PAID SACRAMENTO, CA PERMIT NO. 195 BRANCH LOCATIONS Antioch Atwater Benicia Clayton Concord Davis Dixon Fairfield Merced Napa 2721 Lone Tree Way 5819 Lone Tree Way 981 Bellevue Road 836-C Southampton Road 5441 Clayton Road 1257 Willow Pass Road 1380 E. Covell Boulevard 1470 Ary Lane NEW LOCATION! 5075 Business Center Drive 2600 Estates Drive (Paradise Valley Residents only) 1340 Gateway Boulevard 2570 North Texas Street 659 Skymaster Drive (Travis AFB) 1194 West Olive Avenue 3263 Claremont Way Richmond 3300-A Klose Way Suisun Vacaville Vallejo 131-A1 Sunset Avenue 11 Cernon Street 2020 Harbison Drive 2010 Peabody Road 1650 E Monte Vista Ave Suite EE Tuolumne Street Woodland 1372 E. Main Street Holiday closures ADDRESSES Mailing P.O. Box 2069, Vacaville, CA Shipping One Travis Way, Vacaville, CA Deposits and Loan Payments Travis Credit Union P.O. Box 8000 Travis AFB, CA ACCOUNT INFORMATION Call-24 Phone Banking (707) or (800) Web site SERVICE DEPARTMENTS Member Service Center (707) or (800) Home Loan Center One Travis Way (707) or (888) Business Services Center One Travis Way Deposit Accounts: (707) Business Loans: (707) PhoneLoan SM (707) or (800) Check Fraud Information (707) or (800) , ext. 4384# Debit / Credit Card Fraud Information (707) or (800) PRESIDENT & CEO Barry Nelson BOARD OF DIRECTORS Patricia Moreno...Chair Deborah Aspling... Vice Chair Mary Coburn... Secretary Tom Kulinski... Treasurer Dee Alarcón... Director Len Augustine... Director Curt Newland... Director Ann Rollin...Director Tim Truesdale Director SUPERVISORY COMMITTEE Doug Beaumont... Chair Arturo Reyes... Member Johanna Benker... Member CORRESPONDENCE Your feedback is important to us. Please address your suggestions or concerns to: Barry Nelson President and CEO Travis Credit Union P.O. Box 2069 Vacaville, CA Unresolved issues or problems regarding the credit union should be directed to: Travis Credit Union Supervisory Committee P.O. Box 2070 Vacaville, CA In recognition of the following holidays, all branches and member service center will be closed: Independence Day Monday, July 04 Labor Day Monday, Sept. 05 Smart Money Matters is produced by Travis Credit Union s (TCU s) marketing department for distribution each quarter to provide TCU news and information that will help members achieve their financial goals. The contents do not constitute legal, accounting, tax or other professional advice. Rates and policies are subject to change. All loans are subject to credit approval. Some restrictions may apply. For complete details, read your account disclosures or contact the credit union. Federally insured by NCUA. Certain membership requirements may apply. Equal Housing Opportunity Summer 2016 NMLS registered For your convenience, Call-24 Phone Banking, Online Banking and PhoneLoan SM will be available on these holidays.