NEWSLETTERFALL 2017

Serving Texas Since 1952 Your Financial Partner for LifeInsightsServing Texas Since 1952 Your Financial Partner for Life

Fall 2017Fall 2017

NEWSLETTERFALL 2017

EOQCongratulations to Janine Castro, the 3rd quarter 2017 Employee of the Quarter. Janine is the Teller Supervisor at our Bryan Branch. She was nominated for EOQ because she is a great leader and supervisor. She leads by example in every way possible. Her hard working personality motivates her peers to try harder and do more. Janine never hesitates to go the extra mile for our members or her co-workers. Way to go Janine!

CLOSINGSHoliday

w w w . g t f c u . o r g

Monday, October 9th in observance of Columbus Day Friday and Saturday, November 10th and 11th in observance of Veterans Day Thursday and Friday, November 23rd and 24th in observance of Thanksgiving Day Monday, December 25th in observance of Christmas DayMonday, January 1st in observance of New Year’s Day

SAVE THE DATE: 2018 ANNUAL MEETING

The 66th Annual Meeting will be held on Thursday, February 22, 2018 at the Asian American Resource Center, 8401 Cameron Road in Austin.

As tradition holds, a barbeque dinner will be served at 5:30 p.m. Tickets for the dinner go on sale January 2, 2018 and are $3 in advance and $6 at the door. The meeting will start at 6:30 p.m. and conclude at approximately 7 p.m. All members are invited and encouraged to attend this special meeting. Members over the age of 16 are entitled to vote. Shuttle service will be provided to the venue from the adjacent parking lot.

The Nominating Committee will meet soon to review possible candidates for the expiring terms on the Board of Directors. The committee consists of Benjamin Moreno, Chairman, Tommy Seargeant and Damon Holditch. If you would like to be considered for a position on Greater Texas Credit Union's Board of Directors, please contact Alesha Willis at (512) 458-2558 ext. 1150 for an application. Please mail your completed application by December 1, 2017 to:

Nominating Committee c/oc/o Greater Texas Credit UnionATTN: Alesha Willis6411 North Lamar Blvd.Austin, TX 78752-4088

WHY CREDIT UNIONS ARE WORTH CELEBRATINGIn 1924, Roy Bergengren, one of the architects of the credit union movement, re�ected on what a credit union can do for people.

Bergengren wrote in the inaugural issue of “The Bridge,” the of�cial newsletter of the American credit union movement, which was then in its infancy. “It may be the bridge over which the tenant farmer travels the wide gap that separates him from ownership. It may be the way that opens the great land of opportunity to the wage worker, who �nds his savings the ‘open sesame’ to broader possibilities for himself and his family.”

Twenty-four years later, in 1948, credit unions in America, and later around the world, began celebrat-ing the philosophy and achievements of credit unions every year on the third Thursday in October. The theme for International Credit Union Day 2017 is “Dreams Thrive Here,” harkens back to Bergengren’s

Federally Insured by the NCUA

Online Loan Applications

Apply for a loan 24/7 by visiting our website.

Mobile App

All of the same great features of online banking now available on your Apple or Android mobile devices. Download our free mobile app at the Apple Store or Google Play.

GTCall 24 - hour Account Access

Automated voice response system lets you check your balance, transfer money, even apply for a loan, all over the phone, from anywhere in the world, 24 hours a day, 7 days a week, free!Austin: (512) 451-5195Nationwide toll-free: 1-800-749-0179

Internet Access

www.gtfcu.orgwww.aggielandcu.org orwww.freecuatms.orgfor many more FREE or NO-FEE ATM locations. You can use your ATM card at PLUS machines worldwide, but if you use machines other than the ones listed above, the first five transactions per month (seven per month for Golden Star members) are free, and you will be charged $2 for every transaction after that.

HELPING HAND LOAN An unexpected expense or an emergency arises and you don’t have the savings or funds to cover it. What do you do? Let Greater Texas and Aggieland Credit Union lend you a Helping Hand. Our Helping Hand Loan is there when you need it most. Previously known as our Merry Money Loan, the Helping Hand Loan is offered year-round.

Helping Hand Loan:

• A loan for unexpected expenses • Low, �xed rate • 10 month repayment • Minimum loan amount of $700 • Maximum loan amount of $2,500 • No waiting period for funding • Members may receive one Helping Hand Loan in a rolling 12 month period

Apply online 24/7 by completing the “Helping Hand Loan” application or contact our Loan Department at (800) 749-9732 ext. 1002 for questions.

GREATER TEXAS CU ANNUAL ERROR RESOLUTION NOTICE In case of errors with or questions concerning your electronic transfers, please telephone us at 800-749-9732 or write us at Greater Texas Federal Credit Union 6411 North Lamar Blvd. Austin, Texas 78752 as soon as you can. Call or write us if you think an electronic transfer or transaction appearing on your statement or on a receipt is incorrect or if you need more information about a transfer or transaction listed on your statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the transfer or transaction appeared. When calling or writing, please follow these three steps:

(1) Tell us your name and member number.(2) Describe the transaction or transfer and explain as clearly as you can why you believe it is incorrect or why you need more information.(3) Tell us the dollar amount of the transaction or transfer.If you tell us orally, we may require that you send us your claim or question in writing within 10 business days. We may also require a formal written claim on our standard forms to be completed and submitted to us within 10 business days.

We will determine if an error occurred within 10 business days after we hear from you and will make a prompt correction if necessary. If we need more time, however, we may take up to 45 days to investigate your claim. If we decide to use more than 10 business days to conduct our investigation, we will credit your account provisionally on the 10th business day (or earlier) for the amount you are questioning. You will have full use of those funds during the course of our investigation. If we ask you to put your claim or question in writing or we ask you to complete a formal written claim on our standard

forms and we do not receive it within 10 business days, we will still conduct an investigation but we may not provisionally credit your account.

For all new accounts, non PIN-related debit card transactions, or foreign-initiat-ed transactions, we may take up to 90 days to investigate your claim. For new accounts, we may take up to 20 business days to provisionally credit your account for the amount you are questioning.

We will notify you of the results within three business days after completing our investigation. If we determine that an error occurred, any provisional credit will become permanent. If we determine that no error occurred, we will send you a written explanation and retract any provisional credit in 5 business days. You may ask for copies of any documents we use in our investigation.

GET A $100 CASH REWARD FOR EVERY NEW LINE YOU SWITCH TO SPRINT

This new exclusive cash rewards offer is our best one EVER! Now, as a credit union member, you can earn $100 for every line when you switch to Sprint®.Here’s how it works:

• Members get a $100 cash reward for every new line when you switch to Sprint®. • Current Sprint customers will receive a $50 cash reward for every line transferred into Sprint Credit Union Member Cash Rewards. • Plus, get a $50 loyalty cash reward every year for every line.

Here’s how to sign up for Sprint cash rewards: 1. Become a Sprint customer. 2. Register at LoveMyCreditUnion.org/SprintRewards or in the Love My Credit Union Rewards® app. 3. Allow up to six to eight weeks to see cash rewards directly deposited into your credit union account!

Make the switch today and save with the Sprint Credit Union Member Cash Rewards!

“The credit union is, in fact, a bridge,”

Continued on page 2

NEWSLETTERFALL 2017 NEWSLETTERFALL 2017

w w w . g t f c u . o r gw w w . g t f c u . o r g

USING A SIMPLE CAR MAINTENANCE CHECKLIST CAN INCREASE YOUR CAR'S LIFE SPAN With the average cost of a new car topping $33,5001, most cost conscious drivers want to keep a car on the road as long as possible. If longevity is your goal, good maintenance practices are essential, but they're easy to overlook or postpone when life gets busy. Following a simple checklist will keep you focused on necessary to-do's that can keep your car running longer.2 Car Maintenance Checklist

Respond to dashboard warning lights or suspected problems immediately. Ignoring them and continuing to drive the car can lead to engine damage and other problems that can require expensive repairs.

Make sure �uids are clean and at the proper level. Change your oil regularly and have your transmission �uid, brake �uid, and coolant checked. If you tend to make many short trips rather than drive long distances, experts suggest you check �uids more often than recommended by the manufacturer.

Keep your tires in�ated. Buy yourself a pressure gauge or use one at a gas station to cut down on tire wear and tear and improve fuel ef�ciency. Check your owner’s manual to �nd the proper in�ation for your car.

Wash and wax your car. Do it yourself or go to an automated car wash. Either way, it's important to keep your car clean and waxed to eliminate dirt, salt and chemicals that can lead to rust and corrosion.

Follow the recommended maintenance schedule. The schedule may bene�t your dealer's service department, but it also bene�ts you, the car owner. Skipping service checks may save money in the short run, but could wind up costing you more in the future. If you �nd the dealerships' services prices high, a good independent mechanic can save you money, especially if parts and repairs are not under warranty.

1 - http://www.usatoday.com/story/money/cars/2015/05/04/new-car-transaction-price-3-kbb-kelley-blue-book/26690191/

2 - http://www.edmunds.com/car-care/top-�ve-ways-to-make-your-car-run-forever.html

https://www.allstate.com/tools-and-resources/car-insurance/tire-pressure.aspx

https://www.farmers.com/inner-circle/car-safety/consequences-of-not-cleaning-your-car/

http://www.samarins.com/maintenance/simple.htmlhttp://www.cartalk.com/content/best-ways-keep -your-car-running

Utility bills. Do you need to keep these around for more than a month? No, you really don’t. Check last month’s statement against this month’s; then, get rid of last month’s bill.

If this seems like too much paper to �le, buy a sheet-fed scanner. If you want to get really sophis-ticated, you can buy one of these and use it to put �nancial records on your computer. You might want to have the hard copies on �le, though, just in case your hard drive and/or your �ash drive go awry.

Fernando Arenivas may be reached at 512.657.1289 or farenivas@swbc.com.

This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their af�liates. All information is believed to be from reliable sources; however we make no representation as to its completeness or accuracy. 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 In- vestment Services, LLC & SWBC Investment Company are not affiliated with this institution. *NO CREDIT UNION GUARANTEE *NCUSIF INSURED *MAY LOSE VALUE.

Citations.

1 - ssa.gov/pubs/EN-05-10081.pdf [7/17]

2 - irs.gov/Businesses/Small-Businesses-&-Self-Employed/How- long-should-I-keep-records [1/24/17]

You might be surprised how many people have �nancial documents scattered all over the house – on the kitchen table, underneath old newspapers, in the hall closet, in the basement. If this describes your �nancial “�ling system,” you may have a tough time keeping tabs on your �nancial life.

Organization will help you, your advisors... and even, your heirs. If you’ve got a meeting scheduled with an accountant, �nancial consultant, mortgage lender, or insurance agent, spare yourself a last-minute scavenger hunt. Take an hour or two to put things in good order. If nothing else, do it for your heirs. When you pass, they will be contending with emotions and won’t want to search through your house for this-or-that piece of paper.

One large �le cabinet may suf�ce. You might prefer a few storage boxes or stackable units sold at your local big-box retailer. Whatever you choose, here is what should go inside:

Investment statements. Organize them by type: IRA statements, 401(k) statements, mutual fund statements. The annual statements are the ones that really matter; you may decide to forgo �ling the quarterlies or monthlies.

In addition, you will want to retain any record of your original investment in a fund or a stock. (This will help you determine capital gains or losses. Your annual statement will show you the dividend or capital gains distribution.)

Bank statements. If you have any fear of being audited, keep the last three years’ worth of them on �le. You may question whether the paper trail has to be that long, but under certain circumstances (lawsuit, divorce, past debts), it may be wise to keep more than three years of statements on �le.

Credit card statements. These are less necessary to have around than many people think, but you might want to keep any statements detailing tax-related purchases for up to seven years.

Mortgage documents, mortgage statements, and home equity loan statements. As a rule, keep mortgage statements for the ownership period of the property plus seven years. As for your mortgage documents, you may wish to keep them for the ownership period of the property plus ten years (though, your county recorder’s of�ce likely has copies).

Your annual Social Security bene�ts statement. Keep the most recent one, as it shows your earnings record from the day you started working. Please

WHICH FINANCIAL DOCUMENTS SHOULD YOU KEEP ON FILE? … and for how long?Provided by Fernando Arenivas

note, however: if you see an error, you will want to have your W-2 or tax return for the particular year on hand to help Social Security correct it.1

Federal and state tax returns. The I.R.S. wants you to hang onto your returns until the period of limitations runs out – that is, the time frame in which you can claim a credit or refund. Keep three years of federal (and state) tax records on hand and up to seven years to be really safe. Tax records pertaining to real property or “real assets” should be kept for as long as you own the asset (and for at least seven years after you sell, exchange, or liquidate it).2

Payroll statements. What if you own a business or are self-employed? Retain your payroll statements for seven years or longer, just in case the I.R.S. comes knocking.

Employee bene�ts statements. Does your company issue these to you annually or quarterly? Keep, at least, the most recent year-end statement on �le.

Insurances. Life, disability, health, auto, home… you want the policies on �le, and you want policy information on hand for the life of the policy plus three years.

Medical records and health insurance. The consensus says you should keep these documents around for �ve years after the surgery or the end of treatment. If you think you can claim medical expenses on your federal return, keep them for seven years.

Warranties. You only need them until they expire. When they expire, toss them.

WHY CREDIT UNIONS ARE WORTH CELEBRATING

sentiment, and it’s meant to serve as a reminder of how effective credit unions like Greater Texas are at helping all people chase and achieve their biggest dreams in life.

This is because, unlike other �nancial institutions, credit unions are not-for-pro�t, so their primary purpose isn’t to score record pro�ts in order to cut distant shareholders bigger dividends checks. Rather, the primary purpose of credit unions is—and always has been—to be of service to their members. That means you.

This people-�rst philosophy doesn’t just mean better service; it translates into a better �nancial deal for consumers. Credit unions, on average, offer higher rates of return on savings accounts, lower rates on loans, and fewer and lower fees than other �nancial institutions.

Through the �rst half of 2016, according to data collected by the Credit Union National Association, credit union members saved $9.3 billion over what they would have paid at banks: $1.9 billion through higher yields on savings, $1.2 billion on lower fees, and $6.2 billion on lower loan rates.

So join us at any of our branches on Oct. 16 to celebrate ICU Day. We will provide light refreshments throughout the day as a “thank you.”

Maybe we’ll even sing* this song written for ICU Day in 1955 and published in The Bridge.

Hail all hail to Credit UnionsThey’re life save through and throughFor the cash you lay awayTo combat the rainy dayFor the loans you needTo make your dreams come true

*Don’t worry—we won’t. We actually want you to come!

Continued from page 1

NEWSLETTERFALL 2017 NEWSLETTERFALL 2017

w w w . g t f c u . o r gw w w . g t f c u . o r g

USING A SIMPLE CAR MAINTENANCE CHECKLIST CAN INCREASE YOUR CAR'S LIFE SPAN With the average cost of a new car topping $33,5001, most cost conscious drivers want to keep a car on the road as long as possible. If longevity is your goal, good maintenance practices are essential, but they're easy to overlook or postpone when life gets busy. Following a simple checklist will keep you focused on necessary to-do's that can keep your car running longer.2 Car Maintenance Checklist

Respond to dashboard warning lights or suspected problems immediately. Ignoring them and continuing to drive the car can lead to engine damage and other problems that can require expensive repairs.

Make sure �uids are clean and at the proper level. Change your oil regularly and have your transmission �uid, brake �uid, and coolant checked. If you tend to make many short trips rather than drive long distances, experts suggest you check �uids more often than recommended by the manufacturer.

Keep your tires in�ated. Buy yourself a pressure gauge or use one at a gas station to cut down on tire wear and tear and improve fuel ef�ciency. Check your owner’s manual to �nd the proper in�ation for your car.

Wash and wax your car. Do it yourself or go to an automated car wash. Either way, it's important to keep your car clean and waxed to eliminate dirt, salt and chemicals that can lead to rust and corrosion.

Follow the recommended maintenance schedule. The schedule may bene�t your dealer's service department, but it also bene�ts you, the car owner. Skipping service checks may save money in the short run, but could wind up costing you more in the future. If you �nd the dealerships' services prices high, a good independent mechanic can save you money, especially if parts and repairs are not under warranty.

1 - http://www.usatoday.com/story/money/cars/2015/05/04/new-car-transaction-price-3-kbb-kelley-blue-book/26690191/

2 - http://www.edmunds.com/car-care/top-�ve-ways-to-make-your-car-run-forever.html

https://www.allstate.com/tools-and-resources/car-insurance/tire-pressure.aspx

https://www.farmers.com/inner-circle/car-safety/consequences-of-not-cleaning-your-car/

http://www.samarins.com/maintenance/simple.htmlhttp://www.cartalk.com/content/best-ways-keep -your-car-running

Utility bills. Do you need to keep these around for more than a month? No, you really don’t. Check last month’s statement against this month’s; then, get rid of last month’s bill.

If this seems like too much paper to �le, buy a sheet-fed scanner. If you want to get really sophis-ticated, you can buy one of these and use it to put �nancial records on your computer. You might want to have the hard copies on �le, though, just in case your hard drive and/or your �ash drive go awry.

Fernando Arenivas may be reached at 512.657.1289 or farenivas@swbc.com.

This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their af�liates. All information is believed to be from reliable sources; however we make no representation as to its completeness or accuracy. 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 In- vestment Services, LLC & SWBC Investment Company are not affiliated with this institution. *NO CREDIT UNION GUARANTEE *NCUSIF INSURED *MAY LOSE VALUE.

Citations.

1 - ssa.gov/pubs/EN-05-10081.pdf [7/17]

2 - irs.gov/Businesses/Small-Businesses-&-Self-Employed/How- long-should-I-keep-records [1/24/17]

You might be surprised how many people have �nancial documents scattered all over the house – on the kitchen table, underneath old newspapers, in the hall closet, in the basement. If this describes your �nancial “�ling system,” you may have a tough time keeping tabs on your �nancial life.

Organization will help you, your advisors... and even, your heirs. If you’ve got a meeting scheduled with an accountant, �nancial consultant, mortgage lender, or insurance agent, spare yourself a last-minute scavenger hunt. Take an hour or two to put things in good order. If nothing else, do it for your heirs. When you pass, they will be contending with emotions and won’t want to search through your house for this-or-that piece of paper.

One large �le cabinet may suf�ce. You might prefer a few storage boxes or stackable units sold at your local big-box retailer. Whatever you choose, here is what should go inside:

Investment statements. Organize them by type: IRA statements, 401(k) statements, mutual fund statements. The annual statements are the ones that really matter; you may decide to forgo �ling the quarterlies or monthlies.

In addition, you will want to retain any record of your original investment in a fund or a stock. (This will help you determine capital gains or losses. Your annual statement will show you the dividend or capital gains distribution.)

Bank statements. If you have any fear of being audited, keep the last three years’ worth of them on �le. You may question whether the paper trail has to be that long, but under certain circumstances (lawsuit, divorce, past debts), it may be wise to keep more than three years of statements on �le.

Credit card statements. These are less necessary to have around than many people think, but you might want to keep any statements detailing tax-related purchases for up to seven years.

Mortgage documents, mortgage statements, and home equity loan statements. As a rule, keep mortgage statements for the ownership period of the property plus seven years. As for your mortgage documents, you may wish to keep them for the ownership period of the property plus ten years (though, your county recorder’s of�ce likely has copies).

Your annual Social Security bene�ts statement. Keep the most recent one, as it shows your earnings record from the day you started working. Please

WHICH FINANCIAL DOCUMENTS SHOULD YOU KEEP ON FILE? … and for how long?Provided by Fernando Arenivas

note, however: if you see an error, you will want to have your W-2 or tax return for the particular year on hand to help Social Security correct it.1

Federal and state tax returns. The I.R.S. wants you to hang onto your returns until the period of limitations runs out – that is, the time frame in which you can claim a credit or refund. Keep three years of federal (and state) tax records on hand and up to seven years to be really safe. Tax records pertaining to real property or “real assets” should be kept for as long as you own the asset (and for at least seven years after you sell, exchange, or liquidate it).2

Payroll statements. What if you own a business or are self-employed? Retain your payroll statements for seven years or longer, just in case the I.R.S. comes knocking.

Employee bene�ts statements. Does your company issue these to you annually or quarterly? Keep, at least, the most recent year-end statement on �le.

Insurances. Life, disability, health, auto, home… you want the policies on �le, and you want policy information on hand for the life of the policy plus three years.

Medical records and health insurance. The consensus says you should keep these documents around for �ve years after the surgery or the end of treatment. If you think you can claim medical expenses on your federal return, keep them for seven years.

Warranties. You only need them until they expire. When they expire, toss them.

WHY CREDIT UNIONS ARE WORTH CELEBRATING

sentiment, and it’s meant to serve as a reminder of how effective credit unions like Greater Texas are at helping all people chase and achieve their biggest dreams in life.

This is because, unlike other �nancial institutions, credit unions are not-for-pro�t, so their primary purpose isn’t to score record pro�ts in order to cut distant shareholders bigger dividends checks. Rather, the primary purpose of credit unions is—and always has been—to be of service to their members. That means you.

This people-�rst philosophy doesn’t just mean better service; it translates into a better �nancial deal for consumers. Credit unions, on average, offer higher rates of return on savings accounts, lower rates on loans, and fewer and lower fees than other �nancial institutions.

Through the �rst half of 2016, according to data collected by the Credit Union National Association, credit union members saved $9.3 billion over what they would have paid at banks: $1.9 billion through higher yields on savings, $1.2 billion on lower fees, and $6.2 billion on lower loan rates.

So join us at any of our branches on Oct. 16 to celebrate ICU Day. We will provide light refreshments throughout the day as a “thank you.”

Maybe we’ll even sing* this song written for ICU Day in 1955 and published in The Bridge.

Hail all hail to Credit UnionsThey’re life save through and throughFor the cash you lay awayTo combat the rainy dayFor the loans you needTo make your dreams come true

*Don’t worry—we won’t. We actually want you to come!

Continued from page 1

NEWSLETTERFALL 2017

Serving Texas Since 1952 Your Financial Partner for LifeInsightsServing Texas Since 1952 Your Financial Partner for Life

Fall 2017Fall 2017

NEWSLETTERFALL 2017

EOQCongratulations to Janine Castro, the 3rd quarter 2017 Employee of the Quarter. Janine is the Teller Supervisor at our Bryan Branch. She was nominated for EOQ because she is a great leader and supervisor. She leads by example in every way possible. Her hard working personality motivates her peers to try harder and do more. Janine never hesitates to go the extra mile for our members or her co-workers. Way to go Janine!

CLOSINGSHoliday

w w w . g t f c u . o r g

Monday, October 9th in observance of Columbus Day Friday and Saturday, November 10th and 11th in observance of Veterans Day Thursday and Friday, November 23rd and 24th in observance of Thanksgiving Day Monday, December 25th in observance of Christmas DayMonday, January 1st in observance of New Year’s Day

SAVE THE DATE: 2018 ANNUAL MEETING

The 66th Annual Meeting will be held on Thursday, February 22, 2018 at the Asian American Resource Center, 8401 Cameron Road in Austin.

As tradition holds, a barbeque dinner will be served at 5:30 p.m. Tickets for the dinner go on sale January 2, 2018 and are $3 in advance and $6 at the door. The meeting will start at 6:30 p.m. and conclude at approximately 7 p.m. All members are invited and encouraged to attend this special meeting. Members over the age of 16 are entitled to vote. Shuttle service will be provided to the venue from the adjacent parking lot.

The Nominating Committee will meet soon to review possible candidates for the expiring terms on the Board of Directors. The committee consists of Benjamin Moreno, Chairman, Tommy Seargeant and Damon Holditch. If you would like to be considered for a position on Greater Texas Credit Union's Board of Directors, please contact Alesha Willis at (512) 458-2558 ext. 1150 for an application. Please mail your completed application by December 1, 2017 to:

Nominating Committee c/oc/o Greater Texas Credit UnionATTN: Alesha Willis6411 North Lamar Blvd.Austin, TX 78752-4088

WHY CREDIT UNIONS ARE WORTH CELEBRATINGIn 1924, Roy Bergengren, one of the architects of the credit union movement, re�ected on what a credit union can do for people.

Bergengren wrote in the inaugural issue of “The Bridge,” the of�cial newsletter of the American credit union movement, which was then in its infancy. “It may be the bridge over which the tenant farmer travels the wide gap that separates him from ownership. It may be the way that opens the great land of opportunity to the wage worker, who �nds his savings the ‘open sesame’ to broader possibilities for himself and his family.”

Twenty-four years later, in 1948, credit unions in America, and later around the world, began celebrat-ing the philosophy and achievements of credit unions every year on the third Thursday in October. The theme for International Credit Union Day 2017 is “Dreams Thrive Here,” harkens back to Bergengren’s

Federally Insured by the NCUA

Online Loan Applications

Apply for a loan 24/7 by visiting our website.

Mobile App

All of the same great features of online banking now available on your Apple or Android mobile devices. Download our free mobile app at the Apple Store or Google Play.

GTCall 24 - hour Account Access

Automated voice response system lets you check your balance, transfer money, even apply for a loan, all over the phone, from anywhere in the world, 24 hours a day, 7 days a week, free!Austin: (512) 451-5195Nationwide toll-free: 1-800-749-0179

Internet Access

www.gtfcu.orgwww.aggielandcu.org orwww.freecuatms.orgfor many more FREE or NO-FEE ATM locations. You can use your ATM card at PLUS machines worldwide, but if you use machines other than the ones listed above, the first five transactions per month (seven per month for Golden Star members) are free, and you will be charged $2 for every transaction after that.

HELPING HAND LOAN An unexpected expense or an emergency arises and you don’t have the savings or funds to cover it. What do you do? Let Greater Texas and Aggieland Credit Union lend you a Helping Hand. Our Helping Hand Loan is there when you need it most. Previously known as our Merry Money Loan, the Helping Hand Loan is offered year-round.

Helping Hand Loan:

• A loan for unexpected expenses • Low, �xed rate • 10 month repayment • Minimum loan amount of $700 • Maximum loan amount of $2,500 • No waiting period for funding • Members may receive one Helping Hand Loan in a rolling 12 month period

Apply online 24/7 by completing the “Helping Hand Loan” application or contact our Loan Department at (800) 749-9732 ext. 1002 for questions.

GREATER TEXAS CU ANNUAL ERROR RESOLUTION NOTICE In case of errors with or questions concerning your electronic transfers, please telephone us at 800-749-9732 or write us at Greater Texas Federal Credit Union 6411 North Lamar Blvd. Austin, Texas 78752 as soon as you can. Call or write us if you think an electronic transfer or transaction appearing on your statement or on a receipt is incorrect or if you need more information about a transfer or transaction listed on your statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the transfer or transaction appeared. When calling or writing, please follow these three steps:

(1) Tell us your name and member number.(2) Describe the transaction or transfer and explain as clearly as you can why you believe it is incorrect or why you need more information.(3) Tell us the dollar amount of the transaction or transfer.If you tell us orally, we may require that you send us your claim or question in writing within 10 business days. We may also require a formal written claim on our standard forms to be completed and submitted to us within 10 business days.

We will determine if an error occurred within 10 business days after we hear from you and will make a prompt correction if necessary. If we need more time, however, we may take up to 45 days to investigate your claim. If we decide to use more than 10 business days to conduct our investigation, we will credit your account provisionally on the 10th business day (or earlier) for the amount you are questioning. You will have full use of those funds during the course of our investigation. If we ask you to put your claim or question in writing or we ask you to complete a formal written claim on our standard

forms and we do not receive it within 10 business days, we will still conduct an investigation but we may not provisionally credit your account.

For all new accounts, non PIN-related debit card transactions, or foreign-initiat-ed transactions, we may take up to 90 days to investigate your claim. For new accounts, we may take up to 20 business days to provisionally credit your account for the amount you are questioning.

We will notify you of the results within three business days after completing our investigation. If we determine that an error occurred, any provisional credit will become permanent. If we determine that no error occurred, we will send you a written explanation and retract any provisional credit in 5 business days. You may ask for copies of any documents we use in our investigation.

GET A $100 CASH REWARD FOR EVERY NEW LINE YOU SWITCH TO SPRINT

This new exclusive cash rewards offer is our best one EVER! Now, as a credit union member, you can earn $100 for every line when you switch to Sprint®.Here’s how it works:

• Members get a $100 cash reward for every new line when you switch to Sprint®. • Current Sprint customers will receive a $50 cash reward for every line transferred into Sprint Credit Union Member Cash Rewards. • Plus, get a $50 loyalty cash reward every year for every line.

Here’s how to sign up for Sprint cash rewards: 1. Become a Sprint customer. 2. Register at LoveMyCreditUnion.org/SprintRewards or in the Love My Credit Union Rewards® app. 3. Allow up to six to eight weeks to see cash rewards directly deposited into your credit union account!

Make the switch today and save with the Sprint Credit Union Member Cash Rewards!

“The credit union is, in fact, a bridge,”

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