PRESORT STD US POSTAGE

PAID HOUSTON TX

PERMIT NO 1769 NORTH HOUSTON SOUTHWEST HOUSTON 24909 Kuykendahl 9700 Richmond Suite 150 Tomball TX 77375 Houston TX 77042

7135953400 bull 8004440197 bull wwwusecreditunioncom

Federally Insured by NCUA

1 Observe your surroundings If the ATM is obstructed from view or poorly lit go to another machine

2 Take along a friend if you can especially at night

3 Be prepared Have your card in hand when you approach the ATM

4 Look for suspicious activity If you feel uneasy cancel your transaction and leave the area immediately

5 Donrsquot display your cash Put it away immediately and always keep your receipt

USE Today Your ATM safety is important to us Keep these tips ATM Safety Tips in mind when you use your ATM or Debit Card

6 If you leave your car to walk to an ATM always lock the car before approaching the machine

7 If you drive up to an ATM be sure to keep your doors locked and engine running while conducting your transaction

8 If you are followed after using an ATM go to a crowded well-lit area and call the police

9 Report any incident immediately to USECU and your local police

USE Today FALL 2016

lsquo T is t he Season to Give amp Get

The holidays are just around the Plus when you use your new corner so now is the time to make USECU Visa Credit Card a list and GIVE to others Your during October November and And with a USECU Visa Credit December you could GET a Card gift giving is easy and next

little something for yourself affordable Your next payment could be bull Rates start as low as 990 paymentAPR1

bull No annual fees on us3 One winner will be drawn bull No transaction fees could be and their credit card balance bull 25-day interest-free grace period2

paid up to $2003

bull Free cash advances at USECU on us3 branch locations

Donrsquot wait ndash Apply Today at wwwUSECreditUnioncom 1APR is annual percentage rate Rates and terms based on credit qualifications and are subject to change without notice 2Grace period on all purchases when your account is paid in full by the due date on your previous statement or there is no previous balance 3One winner will be drawn per month ndash October November and December of 2016 - and their balance paid up to $200 maximum If the amount is less than $200 the billed amount will be paid the balance will not be applied to previous or future bills nor will any cash balance be given You must apply qualify and use your new USECU VISA Credit Card before the end of each month ndash October November and December - to be automatically entered into the drawing No purchase necessary To enter without using a USECU VISA Credit Card mail a 3times5 card with name address and contact information to USE Credit Union Attn Marketing 24909 Kuykendahl Tomball TX 77375 Entries must be received no later than 5pm CST on December 31 2016 Winners are selected in a random drawing to be held by the credit union in early November 2016 early December 2016 and early January 2017 The chance of winning depends on the number of entries received Officials and employees of the Credit Union are not eligible to participate in the Drawing Offer ends December 31 2016

wwwusecreditunioncom bull 7135953400 Federally Insured by NCUA

1 Democratic Control 2 Open and Voluntary Membership 3 Non-Discrimination 4 Service to Members 5 Distribution to Members

6 Building Financial Stability 7 Cooperation Among

Cooperatives 8 Social Responsibility 9 Ongoing Education

So when we wish you a Happy ICU Day know that wersquore thanking you for belonging to a movement thatrsquos helping your neighborsmdashand people around the worldmdashgrow thrive and follow their dreams

1APR is Annual Percentage Rate Rates and terms based on credit qualifications A fixed-rate loan for $2500 based upon a 649 APR paid over 12 months would have 12 month monthly payments of $21571 Loan rates and terms are accurate as of 1112016 and are subject to change without notice Offer good November 1 2016 - January 31 2017

USECU has the perfect way to brighten your holiday season ndash a holiday loan

Borrow up to $2500

Rates as low as

649 APR1

Terms up to 12 months Apply online at wwwUSECreditUnioncom at any USECU branch location or call us at (713) 595-3400

Happy Holidays from USE Credit Union

Brighten the Season with a Holiday Loan

For more than 160 years credit unions have put people before profit On October 20 2016 credit unions around the world will celebrate International Credit Union Day

Credit unions are not-for-profit financial cooperatives offering the same services as other financial institutions but with a people-first philosophy ldquoThe authentic differencerdquo this yearrsquos ICU Day theme zeros in on nine principles that make credit unions different from banks and other financial institutions They are

Celebrate International Credit Union Day October 20 2016

USECU Privacy Notice Federal law requires us to tell you how we collect share and protect your personal information Our privacy policy has not changed and you may review our policy and procedures with respect to your personal information at wwwusecreditunioncomprivacy-noticehtml or we will mail you a free copy upon request if you call us at (713) 595-3400

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USECU Holidays Columbus Day - October 10th Veterans Day - November 11th Thanksgiving Day - November 24th Christmas Eve - December 24th (close 1200 PM) Christmas Day - December 26th New Yearrsquos Eve - December 31th (close 1200 PM) New Yearrsquos Day ndash January 2 2017

Access your account using NetBranch online banking or our mobile app 247365

Let s face it The cost of holiday gifts decorations and food can add up quickly and put a big dent in your budget so we re all looking for ways to keep costs down and still have a happy holiday Keep these tips in mind as you enter into the biggest shopping season of the year

Make a List and Budget Write down the name gift idea and the maximum amount you re willing to spend Don t forget gifts for teachers and neighbors and tips for your babysitter hair stylist etc Don t spend more than 15 percent of your household annual income on holiday gifts and entertainment

Start Shopping Early ndash Don t wait until the last minute to shop or you may end up overspending and impulse buying When you start early you have time to compare prices on big-ticket items such as electronics or even a new bike

Shop Online - It s fast easy and you can easily comparison shop Plus you also resist extra temptations like eating out or making impulse purchases

Register for Discounts - If you visit a retailer s site and sign up for their email list yoursquoll typically receive a first-time subscriber discount Sign up using a separate email account so it s easier to keep track of these offers

Use a Coupon App - Coupons don t just come in the Sunday paper anymore You can access them with free apps such as Coupon Sherpa and RetailMeNot which provide instant access to retailers coupons Just pull up the image on your smartphone and the cashier can scan You can also sign up at sites such as Rather-Be-Shoppingcom and Offerscom to receive advanced notification when retailers will offer coupons

Hit Up Black Friday (if yoursquore brave) - If you re looking for great deals and aren t afraid of battling large crowds the day after Thanksgiving is a must Get a head start at Blackfridayorg to see the deals from various stores so that you can plan where to go and what to buy

Take Advantage of Cyber Monday - A spin-off of Black Friday Cyber Monday is the biggest online shopping day of the holiday season and takes place the Monday after Black Friday Check out Cybermondaycom the official website for extra discounts and hourly specials

Know the Best Time To Buy Things - Discounts for many products are still tied to a particular month of the year so know when you can get the best deals

bull October ndash Bikes grills lawn mowers denim and camping gear

bull November ndash Big and small appliances vacuum cleaners furniture laptops TVs tablets digital cameras and kitchen cookware

bull December ndash HDTV s cookware small appliances tools and toys reach their lowest prices as Christmas approaches

8Holiday Saving T ips

Nominating Committee Accepting Applications The USE Credit Union Nominating Committee is conducting its search for individuals who are interested in being considered as a nominee on the USE Credit Union Board of Directors The Nominating Committee is appointed by the credit union s Board of Directors and has the responsibility of preparing a slate of nominees to be announced at the 2017 Annual Meeting If you are interested in being considered as a nominee please send a resume regarding your interest and background no later than December 15 2016 to

USE Credit Union ATTN Board Applications 24909 Kuykendahl Tomball TX 77375

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USECU Holidays Columbus Day - October 10th Veterans Day - November 11th Thanksgiving Day - November 24th Christmas Eve - December 24th (close 1200 PM) Christmas Day - December 26th New Yearrsquos Eve - December 31th (close 1200 PM) New Yearrsquos Day ndash January 2 2017

Access your account using NetBranch online banking or our mobile app 247365

Let s face it The cost of holiday gifts decorations and food can add up quickly and put a big dent in your budget so we re all looking for ways to keep costs down and still have a happy holiday Keep these tips in mind as you enter into the biggest shopping season of the year

Make a List and Budget Write down the name gift idea and the maximum amount you re willing to spend Don t forget gifts for teachers and neighbors and tips for your babysitter hair stylist etc Don t spend more than 15 percent of your household annual income on holiday gifts and entertainment

Start Shopping Early ndash Don t wait until the last minute to shop or you may end up overspending and impulse buying When you start early you have time to compare prices on big-ticket items such as electronics or even a new bike

Shop Online - It s fast easy and you can easily comparison shop Plus you also resist extra temptations like eating out or making impulse purchases

Register for Discounts - If you visit a retailer s site and sign up for their email list yoursquoll typically receive a first-time subscriber discount Sign up using a separate email account so it s easier to keep track of these offers

Use a Coupon App - Coupons don t just come in the Sunday paper anymore You can access them with free apps such as Coupon Sherpa and RetailMeNot which provide instant access to retailers coupons Just pull up the image on your smartphone and the cashier can scan You can also sign up at sites such as Rather-Be-Shoppingcom and Offerscom to receive advanced notification when retailers will offer coupons

Hit Up Black Friday (if yoursquore brave) - If you re looking for great deals and aren t afraid of battling large crowds the day after Thanksgiving is a must Get a head start at Blackfridayorg to see the deals from various stores so that you can plan where to go and what to buy

Take Advantage of Cyber Monday - A spin-off of Black Friday Cyber Monday is the biggest online shopping day of the holiday season and takes place the Monday after Black Friday Check out Cybermondaycom the official website for extra discounts and hourly specials

Know the Best Time To Buy Things - Discounts for many products are still tied to a particular month of the year so know when you can get the best deals

bull October ndash Bikes grills lawn mowers denim and camping gear

bull November ndash Big and small appliances vacuum cleaners furniture laptops TVs tablets digital cameras and kitchen cookware

bull December ndash HDTV s cookware small appliances tools and toys reach their lowest prices as Christmas approaches

8Holiday Saving T ips

Nominating Committee Accepting Applications The USE Credit Union Nominating Committee is conducting its search for individuals who are interested in being considered as a nominee on the USE Credit Union Board of Directors The Nominating Committee is appointed by the credit union s Board of Directors and has the responsibility of preparing a slate of nominees to be announced at the 2017 Annual Meeting If you are interested in being considered as a nominee please send a resume regarding your interest and background no later than December 15 2016 to

USE Credit Union ATTN Board Applications 24909 Kuykendahl Tomball TX 77375