Red River Credit Union would like to genuinely thank you for your patience during the core system merger. We successfully merged the two systems into one, giving every member full access to all our credit union has to offer.

Top two reminders for ALL members: #1 Check your contact information today to

verify we have your current address. #2 Sign up for eStatements. It’s convenient,

secure, and eco-friendly. RRCU will deposit $5 in your account for successfully signing up for eStatements.

During the merger process, account disruptions were kept to a minimum, and we were able to complete the process ahead of schedule. Please continue to be patient

if you experience longer wait times in the Louisiana and Mississippi branches or with our phone center. We are working as quickly as we can while keeping each individual member’s best interests in mind.

Again, thank you for your patience during this necessary growth time.

Together at last! Core System Merger was Successfully Completed

75 Reasons Why RRCU is for YOU!Federally insured by NCUA

In this issue:ANNUAL MEETING HIGHLIGHTS ..................... 2ELECTED BOARD MEMBERS ............................ 2EXPANDED ATM NETWORK ............................ 3

SCHOLARSHIP RECIPIENTS .............................. 3EMPLOYEE SPOTLIGHT .................................... 4PROTECTING YOURSELF - CREDIT CARDS ..... 5

Credit UnionCHRONICLE

SUMMER 2018

The Official Newsletter for Members of Red River Credit Union

We EXIST toserve You.

RRCU’s CEO RetiresSaying farewell to a great leader, Robert Buck

Tuesday, June 19th, RRCU held a retirement celebration honoring Mr. Buck for his dedication to the credit union. After 45 years, 24 as president and/or CEO, we know our credit union would not be what it is today without the watchful leadership of Mr. Buck and our Board of Directors.

We wish Mr. Buck well in his retirement and look forward to seeing him on a regular basis as he continues to be a valued member of RRCU. Thank you, Robert Buck, for your outstanding service.

Left: Robert Buck, newly retired CEO. Top: Fred Milton, Board of Directors - Chairman. Top Right: Brad Bailey, President/CEO. Right: Robert Buck holding a 1994 RRCU newsletter announcing his original promotion to President of RRCU.

PAGE 2 CREDIT UNION CHRONICLE SUMMER 2018 Federally insured by NCUA

Red River Credit Union held its 2018 Annual Meeting on Saturday, April 21st, at the Pleasant Grove Performing Arts Center in Texarkana, Texas.

RRCU members and employees were treated to a wonderful musical performance by Branson’s own Shoji Tabuchi Show.

Members who attended the annual meeting entered their name in a drawing for chances to win $3,100 worth of prizes. Cash prizes ranged from $25 to $100 and four $500 six-month share certificates were given away. Congratulations to our winners!

Members had the opportunity to vote for Board of Director candidates also. Eight RRCU members were selected by the Nominating Committee for consideration to fill three 3-year positions and one 1-year position.

Congratulations to our elected board members (shown below) and thank you for your valued service to our credit union.

Nominations for next year’s Board of Directors elections will begin in October. Look for our fall newsletter for details if you or someone you know is interested in applying.

Annual Meeting Highlights Entertainment, Elections and Prize Giveaways!

Fred Milton

Newly Elected Members of the Board of Directors3-Year Term 1-Year Term

Andrea Chewning Annette LynchSteve Conner

Entertainer Shoji Tabuchi.

Holiday Closings

� Independence Day* Wednesday, July 4th

� Labor Day* Monday, Sept 3rd

*To better serve our members, our Texarkana, Texas, Express Branches located on Walton Dr., Texas Blvd., and in Central Mall will remain open for both holidays.

Texarkana (TX) Express Branches 8:00 AM - 8:00 PM

Central Mall (TX) Branch Contact Central Mall for special

Holiday Hours

2018 Award for RRCUWe are excited to be recognized again as the Partnering in Education - Large Business for TISD! This award recognizes volunteer hour contributions many of our RRCU employees give throughout the school year district-wide.

TISD Award (L-R): Sharon Maynard (FastSigns), Sonya Jaynes, Candy Lee, Gina Morgan, Kobey Mabry, Felicia Drake, Patricia Cunningham (with award), and Anne Slade (Spring Lake Park Elementary Principal).

2017-2018 Scholarship RecipientsRRCU Partnering School Districts with Student Branches

The Official Newsletter for Members of Red River Credit Union PAGE 3

Each school year Red River Credit Union is proud to partner with TASD, TISD, and LEISD. Through this partnership, each high school has its own student credit union and we provide two students with jobs as student tellers. We also provide financial literacy in the classrooms throughout the school year. This program has a great impact on students who are eager to learn and gain knowledge about finances, credit, and budgeting early on. Along with this program we provide a $1500 scholarship to one senior, from each high school, each year. To the right are the 2018 scholarship recipients chosen by our scholarship committee. Thank you to all of the seniors who took the time to complete an application and essay.

Arkansas High School Recipient:MORGAN MORROW, daughter of Scotty and Jennie Morrow. Morgan will be attending the University of Arkansas at Little Rock in the Fall and plans to Major in Art and Design.

Texas High School Recipient:LAIKEN MCKAY, daughter of James and Rebecca McKay. Laiken will be attending Baylor University in the Fall and plans to Major in Chemistry/Pre-Medicine.

Liberty Eylau High School Recipient:KOLBY CUPPS, son of Thomas Cupps and Kristin Cox. Kolby will be attending the University of North Texas in the Fall and plans to Major in Mechanical Engineering.

1-Year Term

As a member of RRCU, we waive the fee for accessing your RRCU account using RRCU ATMs in our service area. In the absence of a RRCU ATM, members now have surcharge-free ATM access to their RRCU account through the Dolphin Debit Access system of ATMs.

The Dolphin ATM® Alliance is a group of ATMs owned and operated by Dolphin Debit Access that provides surcharge-free transactions to the members of participating financial institutions. To find a Dolphin Debit ATM near you, visit our website under Resources/Locations and Hours.

Expanded ATM Network!

Another way toserve YOU better!

Federally insured by NCUA

Employee SpotlightFern BranchBryan K. Leviston, Loan OfficerBryan Leviston has been serving members at the Fern branch in Shreveport, Louisiana, for the past two years. Bryan is from the Shreveport area, returning after spending 28 years in Atlanta, Georgia. Mr. Leviston is a member of the Omega Psi Phi Fraternity and a volunteer with BizCamp, a FREE entrepreneurship training program for middle school, high school, and Job Corps students in the Shreveport area.

When asked about his position with RRCU, Bryan said:“As the economy becomes more complex, my goal

is to provide exceptional service and information to our members and our surrounding community. I want to work directly with them to provide

solutions that are tailored specifically for them so

that they can make good financial decisions.”

As a loan officer, Bryan can assist members in applying for auto loans and pre-approvals, refinancing, home improvement loans, personal loans, and more. Stop by our Fern Branch for a visit or give Bryan a call for all your lending needs.

PAGE 4 CREDIT UNION CHRONICLE SUMMER 2018

We had a great turn out for the grand opening of our new full-service Sulphur Springs branch. This newly constructed, free-standing branch is conveniently located at 822 Gilmer St., across from Brookshire’s in Sulphur Springs, Texas.

Denise Fulk, Branch Manager / Loan Officer, and staff are

ready to assist you with all of your banking needs.

We would like to thank the members of the Sulphur Springs Chamber of Commerce who attended the event to help us celebrate the expansion.

Visit our new Sulphur Springs Branch today and get to know our helpful and friendly staff.

Sulphur Springs BranchGrand Opening

Shopping is EASIER and more SECURE!

You can use your RRCU Debit Card with Apple Pay, Google Pay, and Samsung Pay. Mobile wallet technology is making it safer and easier to shop online, in stores, in apps, and even vending machines.

Just enter your RRCU Debit Card information into your mobile wallet app, then leave the card behind and use your mobile wallet to make purchases. The lists of retailers accepting mobile wallet technology are growing every day. Check out our website for links to aconstantly increasing list of retailers today.

Your Mobile Wallet is Waiting...

Some restrictions apply.Visit www.rrfcu.com for details.

Look for this symbol.

Bryan LevistonLoan Officer800-822-3317, ext 1603

Sulphur Springs Ribbon Cutting Ceremony.

The Official Newsletter for Members of Red River Credit Union PAGE 5

Safety tips to help you keep all your credit cards safer: � Keep a list of all your credit cards in a safe place,

including the account number and phone number to the issuing company in case the card is lost or stolen.

� Always sign a new credit card immediately. � DO NOT write the PIN for the account on the card. � When making a purchase with a credit card, make sure

you get the card back and the receipt. Check the receipt for accuracy before leaving.

� When using a credit card at a restaurant or store, make sure that all blank lines are marked through so that no one can change the final amount.

� NEVER sign blank credit card receipts. � Review your credit card statement as soon as possible.

Match charges with your receipts to ensure all charges are yours and are for the correct amount.

� Only travel with the credit cards you plan on using.

� Never give the account number of the credit card over the phone unless you initiate the call.

� When making an order over the telephone, try to avoid using a cordless phone. Cordless phone messages can be easily intercepted by devices as unsophisticated as baby monitors and police scanners.

Keep up with tips and alerts with our online Alert Center at www.rrfcu.com. Look for Security Center under Resources.

Tips for Protecting YourselfAgainst Credit Card Fraud

Searching for Your Next Investment? RRCU offers Commercial Real Estate and Investment Property Loans!Whether you’re just getting started or wanting to expand your existing property portfolio, RRCU can finance owner-occupied commercial real estate, office buildings, commercial strip centers, apartments, duplexes, residential rental properties, and more! We offer great rates and quick closings. Contact one of our Commercial Lending Officers today:

Bryan DePriest Commercial Lending

Officer903-735-3194

bdepriest@rrfcu.com

Bob BruggemanPR & Business

Development Officer903-735-3107

rbruggeman@rrfcu.com

Jay W. CowanVice President,

Commercial Lending903-735-3197

jcowan@rrfcu.com

Call or come by to visit with one of our knowledgeable business professionals today.

PO BOX 5909TEXARKANA, TX 75505-5909

PRST STDUS Postage

PAIDTexarkana, Texas

Permit 298

Board of DirectorsFred MiltonChairman

Robert SheppardVice-Chairman

Andrea Chewning Secretary/Treasurer

Board Members:

Robert (Bobby) AblesJessie SamsSteve ConnerDavid WallsRon ClevelandAnnette Lynch

Senior ManagementBrad BaileyPresident/CEO

Sharon PaceSr. Vice-Pres.

Odds and EndsGoing on Vacation? Let us know so we can ensure your RRCU Debit Card works for you.

Checks with 9000 series are NOT available at RRCU. Check numbers cannot exceed 8999. After your check numbers reach 8000, please restart your check numbering over at 1000. When ordering checks from any non-RRCU source, please contact us at 903-735-3000 for important account information.

Our repo list is constantly changing. Call, go online, or visit your local branch today for the latest selection at great prices.

We’re Social - find us on Facebook at redrivercreditunion. Like our page for the latest credit union news, updates, promotions, events, and more!

RRCU Call Center903-735-3000800-822-3317

RO$EY RRCU 24-Hr Audio-Response Teller903-793-3400800-833-1528

Mortgage and Business Services Departments4405 Summerhill RoadTexarkana, TX 75503

Websitewww.rrfcu.com

Federally insured by NCUA

Log onto www.rrfcu.com or download our mobile app to find the RRCU branch

or ATM in your area.

Get started while you’re on the move!Try our mobile Mortgage Application feature. Apply for a mortgage pre-approval* anytime and from anywhere, using your mobile device.

Just log on to our homepage at www.rrfcu.com and click the “Apply for a

Mortgage” button to complete the simple application in minutes.

Mortgage is Mobile

*Loans are subject to qualification and credit approval. Financing options subject to change. Other restrictions may apply.