UTAH BUSINESS Fall 2018 FAST 50 AWARD

Goldenwest , a leading provider of Among the Credit Union’s most innovative projects financial services in , was recently honored as spurring its recent growth is the organization’s health one of Utah Business Fast 50 for 2018 (USU Credit insurance division. Union operates as a division of Goldenwest). Each “While providing our members with significant year the publication names Utah’s 50 fastest growing savings on their insurance, many business owners COMPETING FOR YOUR DEPOSITS companies based on revenue data that is analyzed asked if Goldenwest could help them get better rates for year-over-year growth for the past five years. on group health insurance plans,” continued Wahlen. If you have been paying any attention at all to the financial markets, you know “We have been fortunate to have our hard work result “After careful thought and consideration, Goldenwest there has been remarkable change in just the last 12 months. Savings rates in many successful achievements for Goldenwest,” acquired Salt Lake City-based healthcare insurance languished at all-time lows for many years. Borrowing rates also remained at stated Kerry H. Wahlen, Goldenwest President/CEO. brokerage, Benefit Management Services. With this historical lows, meaning incentives to borrowers and disincentives to savers. “In 2012, Goldenwest operated 17 branches, served brokerage, re-named Goldenwest Financial Services All of that has changed. 84,000 members, and held $800 million in assets. Six dba Goldenwest Health Insurance, Goldenwest years later, our organization operates 39 branches, has added more than 60 clients with group plans Elasticity (or perhaps inelasticity) in the financial markets appears to have serves 135,000 members, and holds $1.5 billion in for health, dental, vision, life and accidental death reached an inflection point and credit unions, banks, and all depository assets. Most important, Goldenwest has maintained insurance. The book of business for the brokerage institutions are now competing for your money by paying higher rates. its financial strength and distinct return-to-member now sits at $32 million.” We have responded by making sure our suite of deposit products meets a during this high-growth period.” Wahlen says the Credit Union’s top priorities include variety of savers’ goals and needs. Wahlen added the two key events that created cultivating an environment that promotes smart and David Butterfield For those who would like to begin a savings plan, putting a little bit away significant momentum for Goldenwest’s growth were sustainable growth, and implementing an innovative Division President the strategic mergers with USU Credit Union in 2014 business plan that differentiates Goldenwest from the each payday or each month or when you have extra cash, we have our Flex and Healthcare Credit Union in 2017. other financial service providers in the market. CD. Start with as little as $50 and add money to your savings plan as you go. We offer term CDs for one month or up to five years. Each of these term CDs offers bump options so that you can take advantage of anticipated higher rates in the future. You can start a standard term CD with as little as $500. These deposit certificates make great wedding, graduation, or new baby gifts!

Our specialized savings products may offer targeted tax incentives to help you save for specific USU Credit Union Information purposes. We can help determine if one of these will work for you: Health Savings Accounts; Education Savings Accounts; and, Individual Retirement Accounts.

GUARANTEED Make sure to check out any special offers we may have at the time. Recently, we have offered some LOWEST PRICES ON Board of Directors usucu.org very favorable special savings plans, such as a step-up CD, a 21-month at 2.50% APY and a 31-month Bill Hart, Chair at 2.85% APY. Visit our website at usucu.org or come see us at any branch location to help determine ® what works best for you. DISNEYLAND Dan Musgrave, Vice Chair Jeanette Smyth, Secretary usucu.mobi As always, all of our deposit accounts are insured to at least $250,000 and backed by the full faith RESORT TICKETS Stoney Wayment and credit of the United States Government. AT YOUR USU CREDIT UNION Steve Carroll We look forward to being here for you and your family in both good times and bad—now and for Tad Neuenswander 435-753-4080 or 800-248-6361 many years in the future! Brandon Hendrickson FOR MEMBER-EXCLUSIVE PRICING Dave Adams VISIT USUCU.ORG FOR MORE Noé Vázquez youtube.com/goldenwestcu INFORMATION

Supervisory Committee Follow CEO Kerry Wahlen Ron Gebhardt, Chair @goldenwestcuceo Steve Carroll, Board Liaison Mike Liptrot @usucreditunion Andy Blackburn Dan Stober facebook.com/usucreditunion

usucreditunion Goldenwest Corporate Offices 5025 Adams Ave, Ogden, UT 84403 PO Box 1111, Ogden, UT 84402 gwcu.org/presidents-blog MONEY-SAVING STRATEGIES FREE FINANCIAL FOR THE HOLIDAYS WELLNESS COUNSELING

Fall is in the air, which means the holidays are just around the corner. Does the holiday shopping season wreak havoc on Did you know that as a member of USU Credit Union, Their goals are to make sure you feel confident with your finances? Take action with these tips that will help you avoid debt and save you money: you have access to FREE money management and your action plan and encourage you to follow up to financial education services? We’ve partnered with report your progress. GreenPath, a non-profit financial wellness organization Open a Flex CD. dedicated to helping people lead financially healthy Post-Appointment A 12-month Flex CD is a good option to stash money all year. Add money at any lives for more than 50 years. Following your counseling session, your financial time, and make penalty-free withdrawals during the first three business days of counselor will email you notes, a personalized financial each quarter. USU Credit Union members can set up a one-on-one plan including your goals, and additional free online phone appointment with a GreenPath expert for a free e-courses to continue to educate yourself at your own Make purchases with The Aggie Card Rewards . counseling session. pace. USUCU offers The Aggie Card with no annual fee. Plus, through October, all online, mobile, and qualifying recurring purchases earn triple points! Setting An Appointment GreenPath offers many more services and products Pay-off credit card balance as quickly as possible. Setting up an appointment is quick and easy with the in addition to their initial financial counseling session, toll-free number 800-550-1961. Their customer service such as debt management plans, housing services, Don’t let holiday purchases be an all-year expense. The sooner you pay off the representatives are polite, thorough, and efficient. They student counseling, credit report reviews, and balance on your card, the lower your interest payments will be (if any). will make sure you have all the information you need continued financial education. This is a great resource to prepare for your financial review, and set a time and to help with your financial goals and work your way to date that works around your schedule. your financial freedom. Learn more about our 12-Month Flex CD or The Aggie Card at any USUCU branch, call 800-283-4550, or visit usucu.org. Counseling Session Visit usucu.org/services/greenpath to learn more The GreenPath financial counselors are helpful and about how GreenPath can help you. personable. They are knowledgeable about finances and are prepared to answer your questions.

Counselors will begin by establishing your purpose for calling and address concerns you have with your finances. Such concerns may include how to:

• Establish total monthly debt, income OPT-IN TO TEXTING and expenses; Never miss an opportunity to save money. With today’s technology and quick • Explain budgeting options and financial plans; access to information, now you can receive text messages for updates on • Create a personalized budget sheet; events and promotional offers on USU Credit Union’s products and services. • Organize a payment plan to pay off debt; • Set sustainable financial goals to move you forward; Text USUCU to 1-855-449-2968 to opt-in and take advantage of this • Review your credit report and find ways convenient service. to establish or continue to build credit; and • Make a timeline of the tasks in order to By texting USUCU to 1-855-449-2968, you are agreeing to receive recurring marketing and informational texts. You may receive up to 4 messages per month. Message and data rates may apply. USU Credit Union is not liable for any delays in the receipt of any SMS messages complete them. connected to this program. If you wish to opt out of USUCU text alert services at any time, send the word STOP to 1-855-449-2968. For help, call 1-800-283-4550 or text the word HELP to 1-855-449-2968. Supported by all major phone carriers.

Offer valid September 1 – October 31, 2018

NMLS #440574 WHEN SHOULD YOU PURCHASE AN UMBRELLA POLICY?

Umbrella insurance is extra liability insurance to protect you from major claims and lawsuits. For additional liability coverage above the limits of your homeowners and auto insurance policies, talk to your local Goldenwest insurance expert. ISLAND OR ISLANDS? Make an informed decision about umbrella insurance Finance home improvement, your dream vacation or consolidate 1-888-853-8992 debt with a USU Credit Union Home Equity Line of Credit. Rates as low as Prime Rate + 0%. No Fees or Closing Costs. MONEY-SAVING STRATEGIES FREE FINANCIAL FOR THE HOLIDAYS WELLNESS COUNSELING

Fall is in the air, which means the holidays are just around the corner. Does the holiday shopping season wreak havoc on Did you know that as a member of USU Credit Union, Their goals are to make sure you feel confident with your finances? Take action with these tips that will help you avoid debt and save you money: you have access to FREE money management and your action plan and encourage you to follow up to financial education services? We’ve partnered with report your progress. GreenPath, a non-profit financial wellness organization Open a Flex CD. dedicated to helping people lead financially healthy Post-Appointment A 12-month Flex CD is a good option to stash money all year. Add money at any lives for more than 50 years. Following your counseling session, your financial time, and make penalty-free withdrawals during the first three business days of counselor will email you notes, a personalized financial each quarter. USU Credit Union members can set up a one-on-one plan including your goals, and additional free online phone appointment with a GreenPath expert for a free e-courses to continue to educate yourself at your own Make purchases with The Aggie Card Rewards credit card. counseling session. pace. USUCU offers The Aggie Card with no annual fee. Plus, through October, all online, mobile, and qualifying recurring purchases earn triple points! Setting An Appointment GreenPath offers many more services and products Pay-off credit card balance as quickly as possible. Setting up an appointment is quick and easy with the in addition to their initial financial counseling session, toll-free number 800-550-1961. Their customer service such as debt management plans, housing services, Don’t let holiday purchases be an all-year expense. The sooner you pay off the representatives are polite, thorough, and efficient. They student loan counseling, credit report reviews, and balance on your card, the lower your interest payments will be (if any). will make sure you have all the information you need continued financial education. This is a great resource to prepare for your financial review, and set a time and to help with your financial goals and work your way to date that works around your schedule. your financial freedom. Learn more about our 12-Month Flex CD or The Aggie Card at any USUCU branch, call 800-283-4550, or visit usucu.org. Counseling Session Visit usucu.org/services/greenpath to learn more The GreenPath financial counselors are helpful and about how GreenPath can help you. personable. They are knowledgeable about finances and are prepared to answer your questions.

Counselors will begin by establishing your purpose for calling and address concerns you have with your finances. Such concerns may include how to:

• Establish total monthly debt, income OPT-IN TO TEXTING and expenses; Never miss an opportunity to save money. With today’s technology and quick • Explain budgeting options and financial plans; access to information, now you can receive text messages for updates on • Create a personalized budget sheet; events and promotional offers on USU Credit Union’s products and services. • Organize a payment plan to pay off debt; • Set sustainable financial goals to move you forward; Text USUCU to 1-855-449-2968 to opt-in and take advantage of this • Review your credit report and find ways convenient service. to establish or continue to build credit; and • Make a timeline of the tasks in order to By texting USUCU to 1-855-449-2968, you are agreeing to receive recurring marketing and informational texts. You may receive up to 4 messages per month. Message and data rates may apply. USU Credit Union is not liable for any delays in the receipt of any SMS messages complete them. connected to this program. If you wish to opt out of USUCU text alert services at any time, send the word STOP to 1-855-449-2968. For help, call 1-800-283-4550 or text the word HELP to 1-855-449-2968. Supported by all major phone carriers.

Offer valid September 1 – October 31, 2018

NMLS #440574 WHEN SHOULD YOU PURCHASE AN UMBRELLA POLICY?

Umbrella insurance is extra liability insurance to protect you from major claims and lawsuits. For additional liability coverage above the limits of your homeowners and auto insurance policies, talk to your local Goldenwest insurance expert. ISLAND OR ISLANDS? Make an informed decision about umbrella insurance Finance home improvement, your dream vacation or consolidate 1-888-853-8992 debt with a USU Credit Union Home Equity Line of Credit. Rates as low as Prime Rate + 0%. No Fees or Closing Costs. UTAH BUSINESS Fall 2018 FAST 50 AWARD

Goldenwest Credit Union, a leading provider of Among the Credit Union’s most innovative projects financial services in Utah, was recently honored as spurring its recent growth is the organization’s health one of Utah Business Fast 50 for 2018 (USU Credit insurance division. Union operates as a division of Goldenwest). Each “While providing our members with significant year the publication names Utah’s 50 fastest growing savings on their insurance, many business owners COMPETING FOR YOUR DEPOSITS companies based on revenue data that is analyzed asked if Goldenwest could help them get better rates for year-over-year growth for the past five years. on group health insurance plans,” continued Wahlen. If you have been paying any attention at all to the financial markets, you know “We have been fortunate to have our hard work result “After careful thought and consideration, Goldenwest there has been remarkable change in just the last 12 months. Savings rates in many successful achievements for Goldenwest,” acquired Salt Lake City-based healthcare insurance languished at all-time lows for many years. Borrowing rates also remained at stated Kerry H. Wahlen, Goldenwest President/CEO. brokerage, Benefit Management Services. With this historical lows, meaning incentives to borrowers and disincentives to savers. “In 2012, Goldenwest operated 17 branches, served brokerage, re-named Goldenwest Financial Services All of that has changed. 84,000 members, and held $800 million in assets. Six dba Goldenwest Health Insurance, Goldenwest years later, our organization operates 39 branches, has added more than 60 clients with group plans Elasticity (or perhaps inelasticity) in the financial markets appears to have serves 135,000 members, and holds $1.5 billion in for health, dental, vision, life and accidental death reached an inflection point and credit unions, banks, and all depository assets. Most important, Goldenwest has maintained insurance. The book of business for the brokerage institutions are now competing for your money by paying higher rates. its financial strength and distinct return-to-member now sits at $32 million.” We have responded by making sure our suite of deposit products meets a during this high-growth period.” Wahlen says the Credit Union’s top priorities include variety of savers’ goals and needs. Wahlen added the two key events that created cultivating an environment that promotes smart and David Butterfield For those who would like to begin a savings plan, putting a little bit away significant momentum for Goldenwest’s growth were sustainable growth, and implementing an innovative Division President the strategic mergers with USU Credit Union in 2014 business plan that differentiates Goldenwest from the each payday or each month or when you have extra cash, we have our Flex and Healthcare Credit Union in 2017. other financial service providers in the market. CD. Start with as little as $50 and add money to your savings plan as you go. We offer term CDs for one month or up to five years. Each of these term CDs offers bump options so that you can take advantage of anticipated higher rates in the future. You can start a standard term CD with as little as $500. These deposit certificates make great wedding, graduation, or new baby gifts!

Our specialized savings products may offer targeted tax incentives to help you save for specific USU Credit Union Information purposes. We can help determine if one of these will work for you: Health Savings Accounts; Education Savings Accounts; and, Individual Retirement Accounts.

GUARANTEED Make sure to check out any special offers we may have at the time. Recently, we have offered some LOWEST PRICES ON Board of Directors usucu.org very favorable special savings plans, such as a step-up CD, a 21-month at 2.50% APY and a 31-month Bill Hart, Chair at 2.85% APY. Visit our website at usucu.org or come see us at any branch location to help determine ® what works best for you. DISNEYLAND Dan Musgrave, Vice Chair Jeanette Smyth, Secretary usucu.mobi As always, all of our deposit accounts are insured to at least $250,000 and backed by the full faith RESORT TICKETS Stoney Wayment and credit of the United States Government. AT YOUR USU CREDIT UNION Steve Carroll We look forward to being here for you and your family in both good times and bad—now and for Tad Neuenswander 435-753-4080 or 800-248-6361 many years in the future! Brandon Hendrickson FOR MEMBER-EXCLUSIVE PRICING Dave Adams VISIT USUCU.ORG FOR MORE Noé Vázquez youtube.com/goldenwestcu INFORMATION

Supervisory Committee Follow CEO Kerry Wahlen Ron Gebhardt, Chair @goldenwestcuceo Steve Carroll, Board Liaison Mike Liptrot @usucreditunion Andy Blackburn Dan Stober facebook.com/usucreditunion

usucreditunion Goldenwest Corporate Offices 5025 Adams Ave, Ogden, UT 84403 PO Box 1111, Ogden, UT 84402 gwcu.org/presidents-blog