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1 Get a Family Friendly Ride with a Budget Friendly Rate! Vehicle Loans as low as 3.09 % APR % APR 1 36 Month Term 48 Month Term Refinance your Vehicle Loan from another Financial Institution with InvesTex Credit Union today! Everyone Qualifies for No Payments for 90 Days! Cut Your Rate in Half 2 Same Rates for New and Used Skip-A-Payment Opportunities PLAN NOW FOR THAT DREAM VACATION! SPECIAL SIGNATURE LOAN RATES 5.29 % APR % APR 1 36 MONTH TERM 48 MONTH TERM WITH FUNDED VEHICLE LOAN 3 1 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. SPRING 2019

2 InvesTex Credit Union has Resources for You! Financial Wellness! The journey to financial wellness is personal. It impacts health, state of mind, family dynamic and work. InvesTex provides resources that make sense! We partner with our members to achieve shared financial wellness! Your resources when you re ready: FREE Checking Accounts and Debit Card! FREE Online Services (Online Banking, Mobile Banking, Bill Pay and estatements)! FREE Alerts for Accounts, Debit Card and Credit Card! Great Vehicle, Signature and Credit Card Rates! Mortgage/Home Equity Loans! Anytime Access no matter where you are! We are the credit union for you! We ve Got You Covered With Courtesy Pay! Miscalculating the available balance in a checking account can happen from time to time. That s why we offer Courtesy Pay a benefit to members. Rather than returning unpaid items, Courtesy Pay covers overdrafts for qualified members. Courtesy Pay can bring you peace of mind and help you avoid hassle and merchant fees. Inquire today! Smart Shopping and Our Mastercard Go Hand-in-Hand Certain conditions and limits apply. Courtesy Pay $33 per item (applies to checks, ACH Debits, ATM/Debit Card Transactions, and uncollected funds). Courtesy Pay is a Privilege and not a Right and can be removed at the discretion of the credit union. Appropriate opt-in forms are available online and in our lobbies. Annual Meeting Reminder Tuesday, April 16, :30-7:00pm Dinner 7:00pm 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 12th from any of our 6 branch locations. Take advantage of all the great benefits InvesTex Mastercard has to offer. Great Rates as low as 7.9% APR* Optional Rewards Program Online Account Access Card Alerts With an InvesTex Mastercard, enjoy: No Balance Transfer Fees No Annual Fees No Minimum Finance Charge RATES AS LOW 7.9 % AS APR* APPLY TODAY! *APR is Annual Percentage Rate. Changes in rates or terms of credit cards requires a 45 day advance notice. The terms and amounts for which you qualify will be determined by your credit and capacity at the time of the application. Other restrictions may apply.

3 COMMUNITY CORNER DEC JAN-FEB-MARCH 2019 Donation to the two District-wide Teachers of the Year/Aldine ISD Donated gift cards for teacher incentives and bikes/helmets for student incentives to VInes Pre-K/Aldine ISD Financial Workshop Presentation to Parents of Hinojosa Pre-K/Aldine ISD Gift cards donated for Family Engagement Night- Hinojosa Pre-K/Aldine ISD Donation for Aldine ISD Superintendents Buyers Group Livestock Show Donation for Fun Run-Foster Elementary/ Humble ISD Donated bikes/helmets to Grace England Pre-K/Klein ISD Fossil Presentation at Kleb Intermediate/ Klein ISD Hosted Klein Collins High School Job Shadowing Day /Klein ISD Participated in the Klein Collins High School College & Career Extravaganza/ Klein ISD Donated gift cards for teacher incentives and board games for student incentives- Hirsch Elementary/Spring ISD Provided breakfast and gift cards to Tomball Memorial High School Faculty/ Tomball ISD Donated gift cards to Tomball Elementary/ Tomball ISD Employee Service Announcement Congratulations to Keith Kearney who celebrated 15 years of service on March 1st and 33 years in the credit union industry. Mr. Kearney began his career with InvesTex Credit Union in 2004 as the President / CEO. Prior to relocating to Houston, Mr. Kearney worked at Air Force Federal Credit Union, San Antonio Teachers Credit Union and Randolph-Brooks Federal Credit Union in San Antonio. He obtained his Masters of Business Administration and his Bachelors of Business (Accounting) from the University of Texas at San Antonio. Mr. Kearney is a skilled carpenter and woodworker. He and his wife, Kim, have 6 boys and enjoy traveling, and fossil/rock hunting. Thank you, Keith Kearney, for your leadership, commitment and dedication the last 15 years. We appreciate all you do for the employees and members and are proud to have you on our TEAM; congratulations! Vacation Club Accounts Were you short on cash for Spring Break? Open a Vacation Club Account today and start saving now! Family Fun Time! Looking for fun in the sun floating down the lazy river? Seeking the thrill of a Roller coaster? InvesTex has Theme Park tickets at discounted prices for that much-needed family fun time. Visit our website for prices and information.

4 Go ahead and start planning! Whether you are dreaming of that new home or remodeling the kitchen, InvesTex Credit Union can help! Do you already own that home but need extra funds? We can help you unlock that equity from your home with a Home Equity Loan. Need some extra space? Let InvesTex help you with a mortgage for that dream home. InvesTex can make those dreams happen! Visit our website and Apply Today! Make your Summer Sweeter! Free up Cash with InvesTex 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 $28 processing fee per loan skipped. Our CD and IRA Rates Have Increased! CD RATES AS HIGH AS IRA SHARES AS HIGH AS Diaper Drive 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 % APY % APY 1 Save Money! Earn More! *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. Minimum CD deposit required to earn promotional rates. Promotion can be terminated at any time without notice. WORKING FOR YOU YOUR MONEY AND YOUR CREDIT UNION!

5 Security Corner Use Protect Your Account from Fraud with the CardValet App and Other Account Alerts! 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. InvesTex has several products to set up Alerts that are FREE: Set Alerts for your Account, Debit Card, and Credit Card. Online & Mobile Banking Through Online & Mobile Banking you can set alerts under the ALERTS tab: Transaction Alerts Balance Alerts Sign-In Alerts And More! Debit Card Alerts Download the CardValet App to set alerts for: Whenever your card is used Specific dollar amounts Certain locations Merchant type and transaction type Declined purchases Deactivate and Activate your card through your phone--- on demand! Credit Card Alerts Through Online Banking/ Accounts/Credit Card Info tab: Member Alerts: Purchases over a select amount Purchases outside selected states International purchases Declined purchases Online/Phone purchases where card was not present Lost/Stolen Visa Debit Card Lost/Stolen Credit Card 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: Important Information 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 is at 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.

6 PRESORT STD US POSTAGE P A I D HOUSTON, TX PERMIT NO FM 1960 Bypass Road W 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 Road W 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: Audio Response: (281) InvesTexCU.org 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) Credit Card Activation (800) Credit Card PIN Changes (888) Download the Free ITCU Mobile App iphone Android BUILT HERE! LIVE HERE! HOME! INVESTEX CREDIT UNION HOLIDAY CLOSURES Good Friday Day Friday, April 19th Closing at 1pm Memorial Day Monday, May 27th Independence Day Thursday, July 4th