THE NEW ONE WEBSITE! See story page 3-4 The cash you need, when you need it. Short-term in minutes up to $1,500—94% approval.

Get an Advance Pay short-term from One Nevada . We’re faster and charge less than the competition. • Loans up to $1,500 for two weeks. • Pay only $12.50 per $100 borrowed. Notice: A short-term loan should be used for short-term financial needs • No application fees. only, not a long-term financial solution. Consumers with financial difficulties can visit getadvancepay.com for free access to financial education and online tutorials. The cost is $12.50 per $100 borrowed if you have direct deposit, $15 per $100 borrowed without direct deposit. Visit getadvancepay. com for complete details and costs associated with this product. Call (800) 388-3000 or visit a local branch to apply. OneNevada.org/advancepay point focal CONTENTS Fellow member-owners: NEW OneNevada Website We would like to call to your Page 3—4 attention a recent trend in the financial services industry that Trending — Banking Outside the could adversely affect you. It Branch seems more and more lenders and Page 5—6 $ % service providers are promising Short-term loans in minutes up to 1,500—94 approval. incredible ease and convenience, but at an exorbitant cost. Member Profile Mortgage loans are a prime example. Several lenders Major General L.D. Johnston (Ret) are now widely advertising incredibly fast and easy U.S. Air Force services, particularly via the internet. We’ve researched their fees and charges and found that on average they Page 7–8 charge several thousand dollars more than ONCU for an identical loan. Plus, the process isn’t really any easier or Balance — Get Financially Fit faster after the initial application is filed. Page 9–10 This marketing gimmick is also popping up for those interested in selling a home. Several companies are advertising that they will buy your home, pay the title and Borrow — Don’t be fooled by escrow fees, and even pay for your move. We’ve found that “Mortgage Magicians” these companies are either paying significantly below Page 11 market value for your home or assessing large fees. We too believe in providing fast and easy service, Serving the Community but in an honest and forthright way. We also offer the convenience of applying for a mortgage or auto loan Page 12 online through our website and mobile app. Our mortgage team is right here in Nevada and will guide you through Did You Know? the process without overcharging you. Shred Event So when you’re ready to buy or sell your home, be sure Employee Focus to shop around. Compare costs, fees and service then make an informed decision. We’ll even help you compare, Page 13 at no cost or obligation.

Thank you for your membership.

Bradley W. Beal, President/CEO

Focal Point is produced Send comments and quarterly by One Nevada suggestions to: as a service to our One Nevada Credit Union members. The goals of Focal Point this magazine are to 2645 South Mojave Road inform you about our Las Vegas, NV 89121 FOCAL POINT STAFF products, provide financial Jennifer Salvador, AVP MARKETING education and present [email protected] topics important to you. For address corrections, Jake Ludens, AVP MARKETING please speak with a Financial AVP MARKETING — NORTHERN NEVADA Lisa Jansen, Copyright ©2017. One Nevada Service Representative or Credit Union. All rights reserved. call us. Jara Pearson, DIGITAL MEDIA STRATEGIST Reproduction, in whole or in part, To find a branch in your area, Corey Scribner, SR DIGITAL CONTENT DESIGNER without written permission is prohibited. Federally insured by go to OneNevada.org or Greg Pace, SR GRAPHIC DESIGNER NCUA. Equal Housing Lender. download our mobile app. Check It Out! he OneNevada.org website your account. The Online Banking system app, a link to the app is available on the debuted a brand-new look on you use to access your accounts retains home page of the website when you visit September 13, 2017. The website the same design with which you’re using your smartphone or tablet. now adjusts automatically for already familiar. Be sure to try out our enhanced Search any device you use – from On mobile devices, the most features to help you find what you’re Tsmartphones to desktop computers – to frequently accessed items are now right looking for on OneNevada.org. You’ll be help you find the information you need. on the home page of OneNevada.org, and able to find detailed information and easily We also relocated the login form to you can find the complete site menu by contact our Customer Support team to ask provide you with the most secure Online clicking the icon on the upper right corner them questions about your account or any Banking experience possible. You can now of any page of the site. If you haven’t of One Nevada’s services. click the “Login” link and go directly to the experienced how easy it is to access your The Help documentation within the secure Online Banking system to access accounts with the One Nevada mobile Online Banking system has been improved

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3 SOUTH (702) 457-1000 | NORTH (775) 827-3880 | Q4 2017 Check It Out! as well. Just click the “Help” link on the upper right corner of any page while accessing your account to find answers for your Online Banking questions. If you have any questions, please call our Nevada-based Contact Center (OneNevada.org/contact) and we’ll be happy to help!

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ONENEVADA.ORG | Q4 2017 4 TRENDING

Banking Outside the Branch. What can you do remotely with the One Nevada mobile app? Here are a few features available to members at No Charge.

LOG IN WITH YOUR APPLY FOR LOANS CHECK YOUR CREDIT FINGERPRINT Start your loan application or check SCORE & CREDIT REPORT Tired of typing passwords? You can the status of an existing application A fantastic new feature in the configure “Quick Access” from the right inside the mobile app! You can One Nevada mobile app is the One Nevada app’s side menu and apply for Credit Cards, Home Loans, ability to not only see your log in to your account using just Personal Loans and Auto Loans any current credit score, but also your fingerprint. This biometric time on your smartphone or tablet. access your complete credit technology can save you time and report. One Nevada members keep your login information secure. can access their credit information 24 hours a day through this feature, included with all One Nevada accounts.

5 SOUTH (702) 457-1000 | NORTH (775) 827-3880 | Q4 2017 CARD CONTROLS Switch Cards On and Off Instantly enable groceries and fuel for everyday If you happen to misplace your debit Turn your card on and off with purchases, but disable entertainment or , card control allows you a single touch, and the status is and travel until required. changed immediately. With ultimate to turn your cards on and off to protect Customize Transaction Types control comes peace of mind. your accounts from unauthorized Enable specific types of transactions, use. You can also set up spending Choose Merchant Categories depending on expected card usage. For limits that will automatically turn Enable specific categories of example, if you do not shop online often, off your card when you have reached merchants, depending on expected you can disable eCommerce but turn it a specified amount. Card control card usage. For example, you can on instantly when required. is included with all of One Nevada checking and credit card accounts.

ONENEVADA.ORG | Q4 2017 6 MAJOR GENERAL LD JOHNSTON (RET)

Major General LD Johnston (Ret) Former Commander, Air Warfare Center, Nellis Air Force Base Las Nevada, NV

It’s the Airman... F-4 Phantom It’s the Airman, not the General, who stands armed atop the bunker on Christmas Eve

It’s the Airman, not the General, who crews the jet in the snow and the blowing sand

It’s the Airman, not the General, who wades waist-deep in the murk to fix the water line

It’s the Airman, not the General, who rigs the wires on which the Orders are sent

It’s the Airman, not the General, who jumps under fire, to rescue the downed lieutenant

It’s the Airman, not the General, who sews tight the wounds of a gravely injured comrade It’s the Airman, not the General, who drafts the letter to a fallen warrior’s Mother

Today, it’s the Airman, not the General, whose children are born...when he is TDY, again!

Thus, it is to the Airman, that the General and each of us F-16 Fighting Falcon must dedicate ourselves...fully, faithfully, and forever! L.D.J.

7 When approached to be the member profile L.D. said: “I really don’t measure up to the truly Great Americans I’ve known, nor the young troops who are serving overseas right now... I can’t imagine anyone would want to read about an old L.D. with wife Sherri. Richard (L.D. and Sherri’s busted-up fighter pilot!” son), daughter-in-law Jangme and their cat Kayla.

Q: How long have you been with One Q: What Air Force planes did you fly Q: What was the toughest part of your Nevada? primarily? 32 years in the Service? A: Since 1990 A: During the first10 years, I flew the F-4 A: “Family separation” has always been in Vietnam, California, Georgia, Spain a challenge for military members, and Q: Favorite thing about One Nevada and Germany. The last 20+ years I it certainly is today. There’s no way Credit Union? flew the F-16 here at Nellis (on three to completely ease the personal pain A: My wife and I have been credit union assignments), South Carolina, Korea, of missing a child’s birth, birthday or members for over 45 years, and we love Georgia and Southwest Asia. their first Christmas. I saw it break-up the people and the professionalism of marriages, distance parents from their the folks at One Nevada Credit Union. Q: What were your assignments at Nellis children, and cause more heartache Air Force Base? than our great troops deserved. We Q: When did you enlist in the Air Force and A: My wife and I were extraordinarily knew and know it’s a part of the what attracted you to join? fortunate to be assigned at Nellis for 8 mission, but it’s still a tough biscuit. A: Like many of our young Airmen today, of our 32 years in the Air Force. In the It’s also why my wife Sherri and I really in 1965, the Air Force ROTC program at mid-80s, we were part of a combat- enjoy our son Richard and his wife Oklahoma State provided the “financial ready F-16 wing, culminating as a Jangme, living here in the Vegas valley. aid” that enabled me to afford college. squadron commander. In the early 90s, The minute I lifted-off on a junior-year I was the commander of the Weapons Q: What do you remember most about “orientation flight” in an Air Force School (the Air Force version of Top your last assignment as the Warfare fighter, I knew I wanted to fly fighters Gun). In 2000, I was blessed with the Center commander at Nellis? forever. best “old guy, flying job” in the Air A: After three decades of watching our Force, commander of Nellis’ Warfare Airmen do incredible things, using Q: What’s the most memorable event of Center. their ingenuity and aggressiveness your first assignment in Vietnam? when deployed or in combat situations, A: That would have to be the F-4 Phantom Q: What was the most rewarding part of these young Americans blew me away mission where my jet was hit by your Air Force career? in the way they handled the events ground fire, and we ejected over North A: It was certainly exciting to fly and of “911.” From the initial alerts that Vietnam. Except for malfunctions in the fight at low and high altitude over Tuesday morning, to the tireless way ejection seat and parachute, and being almost every continent and having the they performed unimaginable tasks shot-at in the chute, it wasn’t that bad. opportunity to lead combat forces from in defense of Nellis and the Vegas My partner in the fighter was captured, Southeast Asia to Southwest Asia. But valley, to their preparation for potential but a Navy rescue-man (from my own serving in remote locations with our conflict, it just makes you proud to high school) and his chopper crew kept young troops was the most rewarding. be associated with such outstanding me from being killed or captured. Unfortunately, the average American Warriors. isn’t able to see the unbelievable dedication and selflessness of our Thank you for your service L.D.J! country’s young Soldiers, Sailors, Airmen and Marines.

8 Get Your Finances In Shape! Did you know that as a One Nevada member you have FREE ACCESS to a plethora of financial education resources? One Nevada has partnered with industry-leading BALANCE to provide you with counseling services, debt management, webinars, podcasts and additional online tools to help with your fiscal matters. For all your financial life stage changes and more, we—in partnership with BALANCE—are here to help.

CREDIT REPORT REVIEW Balance counselors are certified credit report reviewers who know their stuff. They are financial gurus, here to give you guidance and support.

BALANCE TRACK Learn the basics of personal finance with the BalanceTrack educational modules.

MY BALANCE Use MyBalance to create a budget plan that helps you achieve your financial goals.

GET IN BALANCE Learn to manage your checking account with the Get in Balance educational module.

DEBT & BUDGET STUDENT LOAN HOMEOWNERSHIP Coac COACHING COACHING Coac COACHING We offer a Debt We speak the Housing can be an Management Plan, language of overwhelming subject and are committed student loan to tackle on your own, to providing financing fluently, whether you are dreaming comprehensive and are ready to of owning your first home, money work with you or struggling to make management in a one-on-one mortgage payments on education and student loan your current home. Our counseling. counseling session. counselors are readily available to help you make sense of it all.

9 RENTAL COACHING BANKRUPTCY COACHING

Coac We offer free education Coac We help clients that have trouble keeping up on building credit and with bills and find themselves spiraling out of becoming a desirable control with debt that seems impossible to repay. tenant. Our specialized rental counselors will help you develop a For detailed information about these personalized spending valuable FREE programs go to: plan and provide you with OneNevada.org/balance advice for saving money, increasing income, and reducing debt.

10 BORROW

Mortgages aren’t always what they appear to be.

ne of the biggest 3) NEGOTIATE. Meet with 2-3 lenders mistakes you can and compare interest rates, terms and make when purchasing lender fees, and ask for a breakdown of total costs so you can compare. Ask about incentives, and if a home, is choosing one is offering a cash incentive, ask the other why Oa lender without shopping around. they are not offering the same. Considering all of the online mortgage lenders offering low or no fees and some offers filled 4) SHOP SMART. Don’t be fooled by some of the with gimmicks, we wanted to remind you to online companies that might advertise better rates, no fees and speedy closings. Sometimes it’s best shop around before choosing a lender. to work with someone in person that can explain the process and all the details, being this might Here are some steps you should take be the largest purchase you’ll ever make. Fast and before settling on a lender: easy might come at a cost. Some of these lenders 1) EDUCATE YOURSELF. First educate and will promise you the world but tack on hidden fees. determine if you qualify for a specific type Even if interest rates and loan terms are similar of mortgage like conventional, VA, FHA or across different lenders, final costs and fees at each ONCU’s New Start Mortgage. Also, look into lender might not be. state assistance programs that can help with down payment costs like the Home is Possible Be sure to work with a reputable mortgage program. Learn about rates and terms. team and research their reviews online or ask for testimonials. And don’t hesitate to ask our 2) DO MORE HOMEWORK. Ask your home- Mortgage Services team at One Nevada what we owning friends for recommendations if can offer and how we compare to other lenders. they’ve had a good experience, and ask what issues they were faced with.

Enjoy near record low mortgage rates and no hidden fees! Call (702) 382-4094 for more information or apply online at OneNevada.org/mortgage.

11 Federally insured by NCUA. Equal Housing Lender. SERVICE KUDOS

ONE NEVADA CREDIT UNION IS PROUD TO SPONSOR MEAGAN D. Roger Aviation Nation 2017 Air and White and his team made refinancing my house a piece Space Expo — November 10-12 of cake. He does everything to make the process as easy and fast as possible. If you want Celebrating the the lowest rate and great customer service, U.S. Air Force’s Roger White at One Nevada Credit Union is your guy. I will definitely be working with him 70th Birthday in the future for all of my mortgage needs! at Nellis Air Force Base. SCHEDULE: Friday, Nov. 10 Practice day — Open to military, local first responders and their families. Saturday-Sunday, Nov. 11 and 12 Open to the public. Be sure to stop by the One Nevada Booth for a free giveaway!

Fill the Bus – As students got ready to head back to school, One Nevada successfully partnered with Communities In Schools of Western NV to collect school supplies for at-risk students in Washoe County. One Nevada members donated back packs, pencils, pens, markers, notepads, binders and other school supplies. Thank you One Nevada members for helping us Fill the Bus!

he world’s largest free hot- annual balloon raffle contest for fun Biggest Little Bulb Project – Rotary Club of Reno launched air balloon festival happens in prizes, including the coveted Star Wars the Biggest Little Bulb Project this year to collect Reno the second weekend of basket. Over 90 unique hot-air balloons thousands of spring flower bulbs that will be planted this fall in the Sculpture Garden in Bicentennial Park in September each year, and took to the skies, but the real star of the T downtown Reno. One Nevada is proud to be a sponsor One Nevada was there to celebrate! show was the One Nevada balloon. This and donor of 1,800 bulbs for the special red, white and Thousands of balloon enthusiasts stopped event is pure magic and we are a proud blue garden display. by the One Nevada booth to say good sponsor! morning to our team and to enter the ONENEVADA.ORG | Q4 2017 12 EMPLOYEE FOCUS Daniel Duffy DID YOU KNOW? Financial Advisor – CUSO Financial Services, L.P. at One Nevada Credit Union How long have you been with ONCU? I have served The Man Behind the Machine. members in the Investment Program for almost 12 years. Can you explain how the Investment Group , available n 1967, British inventor John Shepherd- through CUSO Financial Services, L.P. (CFS*) can help members? Our goal is to help improve our customers’ Barron introduced the first De La Rue financial lives in every area. This could be helping set up Automatic Cash Machine (DACS) in college savings to a complete financial ILondon. The machine used a cheque-like plan for their future goals and dreams. token that had a Personal Identification Number Our customer base is so diverse. One (PIN) placed on it that was made up of a day we are helping a family find a better fixed rate another day we are radioactive compound of carbon-14. The machine helping with a 401K rollover. would detect the radioactive emission of the PIN Where can a member meet with you number and match it to a number entered on a or any of the other CFS* Financial keypad. Advisors? At any one of our Since then ATMs and PINs have evolved to branches by appointment, just call using magnetic encoded cards and numbers that us at 702-641-4323. are generated through smartphones. Watch for What’s the biggest misconception new innovations at One Nevada’s ATMs in the about financial planning? People near future, including side loading card acceptors believe you have to have a lot of money to start. We want to educate to protect against card skimming. members on how to build a financial John Shepherd-Barron Credit Reuters Source: https://en.wikipedia.org/wiki/John_Shepherd-Barron house for their future, including having an adequate emergency fund. Another misconception that hinders people from sitting down with a Don’t miss the FREE Shred Event! Financial Advisor is thinking they will get sold something. Our goal is to educate and improve their financial situation. If we are not able to do that, we have no right asking for their business. At what age should you start financial planning? The time to start is now. One of the biggest problems I see is procrastination. Most people have good intentions, but never put them into action. The ideal time is a parent starting something for their child, but the bottom line is, it’s never too late. What is the most important thing someone should know before meeting with a CFS* Financial Advisor? We are not going to force you to do anything. The first appointment will be a “Get to know each other” and how we can best serve their needs appointment. If the customer feels comfortable, we will go from there. Best part about working at the CU? It is like a family. It’s DONATIONS WILL BENEFIT an atmosphere where everyone loves what they do. The Southern Nevada way everyone gets along and the relaxed atmosphere Friday, October 20 CMDR—Connor and makes it a joy to come to work. Millie’s Dog Rescue Tell us about a fond memory you have from your first North Decatur and days on the job? I remember our customers would sit I-215 Branch and wait for a certain FSR no matter how long it took. It just made me realize how different ONCU was from any 6241 N. Decatur Blvd. other financial institution I had been a part of and how Ste 110 CMDR important relationship building is. Connor Millie CONNOR & MILLIE'S DOG RESCUE *Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered 10:00 AM – 1:00 PM connorandmilliesdogrescue.org Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. One Nevada Credit Union has contracted with CFS to make non- To manage potential wait times, please limit your number of boxes or bags to a maximum of three per person. deposit investment products and services available to credit union members. Boxes may be no larger than 26.7”L x 15.7”W x 14”H (or about the size of a 21-gallon tote). No boxes or containers CFS representatives do not provide tax or legal guidance. For such guidance please consult with a qualified professional. of any kind may be left behind. All persons participating in shredding services are required to remain with their 13 items. No dropping off of items is allowed. Electronics, ink cartridges and cardboard will not be accepted. Work for the Best of the Best!

WHO WOULDN’T WANT TO WORK FOR ONE OF THE BEST PLACES TO WORK IN AMERICA? If you want to work with a team of skilled professionals who work together as a family of financial experts, we are the employer for you. We offer competitive salaries, comprehensive benefits and advancement potential in a positive, supportive and professional atmosphere. At One Nevada, our dynamic, motivated and highly-skilled staff are proud to serve our members. We are continually seeking enthusiastic and talented individuals to join our growing team. For more information and to view additional positions, visit us at onenevada.org/careers. Financial Services Collector Licensed Agent/Realtor Contact Center Representative I Representative responsible represents Buyer and provides prompt and professional performs all loan for controlling, Seller members of One service to all members and interviewing and collecting, Nevada Credit Union as potential members via the Credit processing, new communicating, well as outside clients. Union’s ACD telephone system accounts, paying/ and skip tracing on answering callers’ questions receiving member delinquent loans regarding accounts, including transactions, greets and for One Nevada transaction activity, membership, directs members, and Credit Union. loans, research and cross-sells cross-sells Credit Union Credit Union products and products and services. services.

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Products and Services available to One Nevada Members Handy Information Checking Accounts Savings Accounts Loans Southern Nevada Branches 12 in Southern Nevada, full branch listing at One Checking® Rewards— Tons Primary—Smart, simple savings. Auto—New, used and refinance. OneNevada.org. of free services, earn unlimited Holiday—Easy way to save for Home Loans—First, second, home cash back on debit card All branches except Nellis AFB, transactions, $5 monthly fee. holiday expenses. equity and home equity lines of credit. M – F, 10:00 a.m. – 6:00 p.m. One Checking®—Tons of Special Share—Save for a special Nellis AFB, M – F, 9:00 a.m. – 5:00 p.m. free services, no monthly fee occasion such as a wedding, Personal—Signature, emergency, with 15 signature debit card anniversary or vacation. lines of credit, share secured and Northern Nevada Branches credit builder. transactions per month or Share Certificates—Federally Two in Northern Nevada, full branch listing at $2,000 in average daily balance. insured with terms from 3 months Business—Specializing in OneNevada.org. to 4 years, $1,000 minimum balance. commercial real estate lending. MyChecking—Free youth All branches, M – F, 10:00 a.m. – 6:00 p.m. account for ages 15–17, tons of MoneyMaker—Flexible and VISA® Signature Credit Cards— free services. federally insured savings at Low-rate, low-fee Signature card Extended Contact Center Hours Essential—Free account for competitive rates. with CU Rewards™ and cash back options available. lower-income members, tons of Preferred Money Market—Earn a M – S, 10:00 a.m. – 9:00 p.m. free services. higher rate if you have a relationship Advance Pay Short Term Loans— Sunday, 10:00 a.m. – 6:00 p.m. with our Investment Group. Borrow up to $1,500 for two weeks for less than the other guys. IRAs—Roth, regular and Coverdell Educational IRA options available ATM Locations with Share Certificates and 44 One Nevada ATMs in Nevada, full ATM listing MoneyMaker. at OneNevada.org. * ** Over 46,000 fee-free Allpoint ATMs – visit Insurance Investments Remote Banking allpointnetwork.com to find ATMs near you. Auto—We shop multiple carriers 401K Rollovers—Many IRA rollover Services to find you the best rates. options available. Mobile Apps—Manage your Lost/Stolen Cards Home—We’ll get you all the Annuities, Mutual Funds and account with your smartphone or To report lost or stolen credit cards: protection you need. Brokerage Accounts—Get income tablet, pay bills, deposit checks or (800) 449-7728 you need for retirement. send money. Life—Term, whole and mortgage To report lost or stolen debit cards: protection. Financial Planning—Local Allpoint ATMs—Enjoy 46,000 (800) 528-2273 representatives are ready to fee-free ATMs nationwide. Renters—Protects your personal personally assist you and your Ca$h Perks—Get rewards based 24-Hour Debit Card Help Fraud / Disabled Visa property and provides liability family’s needs. Debit Card: (866) 664-9364 protection. on where you shop everyday with your debit or credit card. Retirement Planning—We’ll help Bill Pay Support AD&D—Covers you in the event ® you plan income strategies and KeepTrack —Pull all of your Metavante Corporation: (866) 873-9580 of death or loss of a limb, sight, inheritance strategies. speech or hearing due to an outside accounts right into your accident. One Nevada online banking Mobile Banking Apps **Non-deposit investment products and account. Apple App Store: Credit Life & Disability—Pays off services are offered through CUSO Financial Search “One Nevada Credit Union” your loan in the event of death, Services, L.P. (“CFS”), a registered broker-dealer Online Banking—View your makes your payments in the (Member FINRA/SIPC) and SEC Registered accounts, transfer funds, apply for Investment Advisor. Products offered through loans and more. Google Play Store: event of a disability. CFS are not NCUA/NCUSIF or otherwise Search “One Nevada Credit Union” federally insured, are not guarantees or Online Bill Pay—Pay bills online Umbrella—Get liability coverage obligations of the credit union, and may above the limits of your auto for free. Holiday Closings involve investment risk including possible loss • October 9 – Columbus Day and home policies. of principal. Investment Representatives are E-Statements—Save paper and • October 27 – Nevada Day registered through CFS. One Nevada Credit postage. Guaranteed Auto Protection— Union has contracted with CFS to make • November 10 – Veterans Day Helps cover the difference non-deposit investment products and services Social Media—Keep in touch with • November 23-24 – Thanksgiving between the balance of your available to credit union members. the credit union via Facebook, • December 25 – Christmas loan in an emergency. Twitter and other online sites. • January 1 – New Years *Products are not NCUA/NCUSIF insured and are not guaranteed or obligations of One Nevada Account Alerts—Sign up for text Credit Union. Property, casualty and life insurance offered through One Nevada Insurance or e-mail alerts for information Services, LLC. IMPORTANT DISCLOSURE: To offer you an accurate quote, we may need to collect information from consumer reporting agencies, such as driving record, claims and credit history about your account. reports. Future reports may be used to update or renew your insurance.