Your Future Is in Your Hands. Just in Case

QUARTERLY FINANCIAL INFORMATION FOR ONE NEVADA CREDIT UNION MEMBERS

Your future is in your hands. Just in case.

LET’S DO AN INSURANCE CHECKUP.

When life gets a little daring, just remember to stay protected.

With over 80 years’ combined experience helping Nevadans find the right coverage at the best price, we consider ourselves insurance experts.

Now’s a great time to do a checkup on your current auto, home, or life policies.

Call us: 800-388-3000, option 4 Email: [email protected] Visit: onenevadainsurance.com

Products are not NCUA/NCUSIF insured and are not guaranteed or obligations of One Nevada Credit Union. Property, casualty, and life insurance offered through One Nevada Insurance Services. IMPORTANT DISCLOSURE: To offer you an accurate quote, we may need to collect information from consumer reporting agencies, such as your driving record, claims, and credit history reports. Future reports may be used to update or renew your insurance. FOCAL POINT

Greetings, fellow Members! Contents With cooler temperatures, the variety of Hallogivingmas decorations hitting the Defend your financial future stores, and everything pumpkin spice, Pages 3–4 there’s no doubt fall has arrived! And for One Nevada, fall means it’s planning Go all in on your financial season. stability Pages 5–6 Throughout this year’s Focal Point issues, we’ve introduced you to three of the four financial behaviors that we believe help you build lifelong financial strength and stability: spend Member profile: wisely, borrow sensibly, and save diligently. In this last issue Jennifer Joseph of 2019, we focus on the fourth financial behavior . . . plan Bartender at South Point thoughtfully. Hotel, Casino and Spa Henderson, Nevada Planning thoughtfully is about protecting you and your Pages 7–8 family’s financial future by preparing for the unexpected. There’s nothing that can derail the family budget more than Six tips to avoid the latest an unexpected accident, illness, or mechanical breakdown. insurance scams That’s why in this issue you’ll find articles covering the various Pages 9–10 types of insurance that can help your family be resilient in the face of these unexpected hardships. Getting familiar with Knowing the types of insurance you need and how much insurance lingo to buy can be confusing. Here’s the great news! Your credit Page 11 union membership gives you access to our experienced insurance advisors at One Nevada Insurance Services. Yes, Serving the community it’s true! Your credit union has it’s own insurance agency that Page 12 can help you evaluate your family’s needs and find the right coverage at the best price. Did you know? Employee focus As always, thank you so much for your continued membership. Page 13

Best regards,

Paul Parrish President/CEO

One Nevada produces Focal Point quarterly as a service to you. Our goal is to bring you real financial knowhow that helps you be financially well.

Focal Point team Send comments and suggestions to: Deborah Colby, SVP-Chief Marketing Officer One Nevada Credit Union — Focal Point Jennifer Salvador, AVP-Content and Production 2645 South Mojave Road Jake Ludens, AVP-Demand Generation Las Vegas, NV 89121 Lisa Jansen, AVP-Community Engagement [email protected] Jara Pearson, Digital Media Strategist For address corrections, please speak with a Mike Tymczyn, Product Marketing Strategist Financial Service Representative or call us. Greg Pace, Sr Graphic Designer To find a branch in your area, go to Toni Marie Flowers, Marketing Operations Coordinator onenevada.org or download our mobile app. FOCAL POINT Defend your financial future.

uying insurance is unlike buying anything else. It’s Bsomething you purchase and hope you never have to use.

Think about it, if you drive a car, then you probably have auto insurance. And we’re fairly sure you don’t want to In other words, your money and get into an accident. Therefore, you’re everything you’ve worked hard to paying for something you hope you acquire could be lost if you go without won’t need. But it’s nice to know it’s health insurance while you’re alive, there. Especially when it comes to your auto insurance if you own a car, financial future. homeowners insurance if you own a home, or liability insurance if you From health and auto insurance, to have substantial property you want to life insurance, pet insurance, and protect. even renters insurance, the insurance coverage you purchase is only used Let’s say you don’t have proper auto • Life insurance for those you love. when something goes wrong, like an insurance coverage and you’re injured • Disability insurance if you’re ever auto accident, household mishap, in a terrible auto accident. You could injured or become ill and can no or loss of a family member. Life is be in the hospital for a while. The bills longer work. not predictable, but having the right for your care will come right out of your • Long-term care insurance to protect insurance adds some predictability savings. Once that’s gone, your family your finances from the high cost of and a layer of defense to your financial may be forced to pull money out of nursing home care. future. We call that financial resiliency. your retirement fund, sell your home, or • Pet insurance to ensure you never both. have to choose when to save your Here’s how the right advice and pet. insurance coverage can work in your The right insurance gives you and • Accident and sickness insurance to favor and protect your family from life’s your family steady footing for those cover hospital stay and transportation random curveballs. moments. costs. • Payment Protection insurance to Insurance plays an important role Options you should consider include: ensure your credit and finances are Putting money away into an emergency • Auto insurance if you drive or own not affected if you’re unable to make fund and saving for your retirement is a vehicle. a loan payment due to loss of a job, vital. But equally important is insurance. • Homeowners insurance if you own illness, or accident. The right insurance policy will protect a home. your savings and other assets from • Renters insurance if you rent your Understanding life insurance being depleted if you or someone you home and want to protect the What you’re buying when you start a love is injured in an accident, becomes value of your belongings. life insurance policy is the promise of a sick, or worse. payout to your family after you’ve . . . how

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can we put this delicately . . . stopped Don’t forget your last will and You can write up your own will and breathing. Nobody wants to talk about testament testament right now. There are plenty mortality, but it’s an eventuality that What you want for your family, of websites out there that can help. you can insure for your loved ones. your property, and your finances is But you might consider hiring an important. A Last Will and Testament attorney to look it over or at least get The main reason that life insurance is a legal document that outlines the document notarized. even exists is for your family. When you who gets your money, property, purchase a life insurance policy, you’re guardianship of your children, and Insurance is our thing — we can not doing it for you. You’re doing it for who will be the executor of those make it yours too them, whether that’s a spouse, partner, decisions. You can even designate One Nevada Insurance Services kids, parent, or other family member. who will take care of your pets when knows the world of insurance and The right policy will provide for those you cannot. can help you find the right mix of who rely on you for their immediate coverage, cost, and protection to and long-term financial stability. But, like a life insurance policy, if you keep your financial future in focus, no don’t have one in place, your family matter how unpredictable life gets. Picking the right insurance policy is will be left to sort things out on their something One Nevada Insurance own. A solid, legal, up-to-date will Call: 800-388-3000, option 4 Services can help you do, but for and testament makes life a lot easier Visit: onenevadainsurance.com now just know that the general rule is for those you love after your life has coverage equaling six to eight times expired or you become incapacitated Email: [email protected] your annual income. That way your and unable to make decisions. family has years to adjust and remain financially stable. onenevada.org | Q4 2019 4 FOCAL POINT Go all in ON YOUR FINANCIAL STABILITY.

We get it. We live in Nevada. Gambling is all around us. But as your credit union, the only sure bet to protecting your financial stability is to plan for the unexpected.

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Be resilient to setbacks file a GAP claim and then finance your without a medical examination. So, Most of us know we should have next vehicle with us. You’ll find it can why should you have AD&D and how adequate home, auto, and life cost significantly more when purchased does it build your financial resiliency? insurance, but there are three other through an auto dealer. Best of all, that It doesn’t. But it does build your Go all in types of insurance that, depending fee can be included with your monthly family’s financial resiliency if the on your family finances and needs, vehicle loan payment. unthinkable happens. ON YOUR FINANCIAL STABILITY. can help you and your family dust yourselves off and get back on track Major Mechanical Protection (MMP) Who needs it? financially after unexpected moments Insurance Anyone who financially supports a happen. Here’s a quick rundown to New cars and trucks come with a partner or family. help you determine if any of these are warranty that covers mechanical right for your family. issues, faulty electronics, and more. Why you need it. But when that warranty runs out, the To help your family be resilient Guaranteed Asset Protection (GAP) manufacturer is not going to fix your car financially if the unthinkable happens. Insurance for free, and those repairs can add up When you borrow money to buy a quickly. What it costs. new vehicle, you’re on the line to pay It depends on the amount of that money back, even if the vehicle is We all know that vehicles will break coverage you purchase. Your One totaled or stolen. Yes, your insurance down eventually, so MMP is there to Nevada membership includes $2,000 coverage will pay for the full value of protect your savings from costly repairs. of free coverage once you opt-in, and the vehicle at the time of the accident Plus, it could help you keep your vehicle additional coverage amounts are or theft, but because vehicles lose for a longer period of time, meaning available at discounted rates. value, it may not be enough to cover you’d still have a warranty and have the full loan amount. You could owe your vehicle paid off. Bonus, right? Add to your financial safety net. thousands on a car or truck you can’t While it always seems counter- even drive. GAP Insurance covers Who needs it? intuitive to spend money to protect the gap between what you owe and Anyone financing a vehicle that’s money, insurance really can be a what your standard auto insurance nearing or just outside its warranty great hedge on the bet life places will pay. With GAP Insurance, you’re period or who desires coverage above against your financial future. protecting your family’s savings the typical new vehicle warranty. and putting yourself in a position to One Nevada Insurance Services finance a replacement vehicle instead Why you need it. offers GAP and MMP, and they can of working to pay off the remaining Because check-engine lights cause put you in touch with the right people balance. anxiety. who offer AD&D. Whether your auto loan is with One Nevada or not, our Who needs GAP? What it costs. team can save you a lot of money. Anyone financing a new (or new-ish) Getting a quote through One Nevada Over the past year, we’ve helped vehicle without a significant down is easy. And you’ll quickly discover that members save over $425,000 on GAP payment. A general rule of thumb is MMP can cost significantly more when and MMP insurance products versus that if your down payment is less than purchased through an auto dealer. The what it would cost at a dealership. 20% of the vehicle purchase price, you cost can be included with your monthly That’s something to consider. likely need GAP insurance. vehicle loan payment. Try One Nevada Insurance Services Why you need It. Accidental Death and Dismemberment All it takes is 15 minutes to get a To avoid owing money on a car you (AD&D) Insurance quote on the insurance services you cannot drive. Accidents happen, and as the name need and honest answers on all the implies, AD&D insurance gives your coverage you don’t. What it costs. family a one-time, lump-sum cash Policies are $499 when purchased payout if you’re unexpectedly not there Call us: 800-388-3000, option 4 through One Nevada. Plus, the credit to provide for them due to an accident. Email: [email protected] union will pay you $1,000 should you It’s like a mini life insurance policy Visit: onenevadainsurance.com

onenevada.org | Q4 2019 6 MEMBER FOCUS

“It took me until I was 35 to buy my first home all on my own, but I did it! One Nevada helped me every step of the way on that journey.”

Jennifer Joseph Bartender at South Point Hotel, Casino & Spa Henderson, Nevada

Member since: 2003

Bartending holds a certain When she arrived, Jen went to house for herself and her son, who bartending school, which led to was in kindergarten at the time. bit of romance for most banquet bartending and union people. It’s a career that apprentice bar backing. Now, she’s “Prices continued to climb and I full time at her favorite casino just off remember losing heart back then, encourages conversation, the 15 on Las Vegas Blvd South. because it seemed unlikely that I amateur therapy, and would ever qualify for a single-family friendliness. “Bartending is more than just home at those price points,” Jen pouring drinks,” she commented recalled. over the music wafting among the For Jen Joseph, those are just a few of regulars and tourists. “Whether it’s That’s when the big recession hit. the perks she loves about her job and beer rotation, cash and credit card living in a 24/7 city that this Midwest transactions, or just deep cleaning the Like a lot of locals, Jen remembers girl affectionately calls home. bar, it’s truly a team effort. Plus it’s fun the sad stories of bad loans, bad

coming up with new and tasty drinks advice, and eventual foreclosures. “I’ve lived in the Las Vegas area for people to enjoy!” For the longest time, she was envious since relocating from the Midwest in of others who were approved for a December 1997,” Jen answered when Back when Jen started her bartending home loan while she was not. As it asked about her move to Vegas. career, she really wanted to buy a turned out, they were approved for

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more than they could afford. way members are treated by them,” When she’s not mixing drinks and sharing Jen’s patience paid off. Jen said, leaning against the back her love for One Nevada, Jen professes to of the bar. “I’m more than just an being a homebody. “By 2010-11, the housing market was account number.” still very slow, and because of that, “I truly do love my home! I’m usually and better handling of my finances, I Achieving the American dream of enjoying the fabulous valley weather was finally able to purchase a brand home ownership can be challenging outdoors with our two beagles, Hunter new home in Henderson,” she said when you only have one income. and Roxie,” Jen said thoughtfully, pulling with a proud smile. “It took me until I But this professional barkeep and a chilled glass from a nearby freezer. was 35 to buy my first home all on my amazing mom did it. And the One own, but I did it! One Nevada helped Nevada team was there to help her As the interview ended, and she poured me every step of the way on that save money on homeowners and yet another perfect pint without even journey.” auto insurance too. looking, she added some sage advice: to save for the things you truly want, plan When asked about her membership “I definitely use a variety of the ahead financially, drink responsibly, and and why she chose One Nevada, she insurance services One Nevada never drink and drive. didn’t even pause. provides,” she added. “I have referred many of my friends and customers to Solid words to live by, Jen. We’ll see you “My favorite thing about One Nevada One Nevada simply because of the at happy hour. is definitely the employees and the employees.”

onenevada.org | Q4 2019 8 FOCAL POINT Six tips to avoid the latest insurance scams.

Just like fraudsters that take over your credit card number or send you an email asking for private info to send your $5,000,000 inheritance, bogus insurance companies exist across the spectrum of providers and trap unsuspecting victims every day.

Recently, an unsuspecting 2. You can’t find any information comfortable meeting face-to-face consumer in California signed about the company online. and the insurance agent refuses, it’s If a quick, online search of the likely good to walk away. A legitimate up for a loan payment insurance company turns up blank, you’re likely company will have nothing to hide. policy. She thought she was looking at a scam. If the agent insists on completing the signing up for an insurance plan deal over the phone, hang up and that would cover her privately 3. The company isn’t licensed. find another plan. At One Nevada If the company seems to check out we can certainly help you over the funded loans. Unfortunately ok, but you can’t find any proof that phone, but we’re happy to sit down for her and thousands of other they’re licensed, call the Insurance with you in person as well. Californians, every premium Commissioner’s toll-free consumer she paid only fattened up the number to verify at 800-562-6900. 6. The plan’s details are unclear. Always do your due diligence scammers’ pockets. 4. The plan is super cheap. before signing up for an insurance There are more expensive insurance plan. If the policy is ambiguously Avoid being the next victim! plans which provide more robust worded, you may be signing up for a scam. Research the company and Before signing up for an insurance coverage, and there are cheaper plans which provide the barest policy well, and if anything seems policy of any kind, watch out for minimum. And then there are bogus suspicious, opt out, and stay safe! these seven red flags: plans which claim to offer the best of both worlds and promise you all the And, as always feel free to give coverage you need at a crazy, low One Nevada Insurance Services a call at 800-388-3000, option 4 to The agent uses high-pressure price. When a plan sounds too good 1. discuss any questions you might tactics to get you to sign up for the to be true, it’s probably a scam. have about an outside plan or one plan. with us. You should never be pressed to sign 5. The insurance agent refuses to up for a plan at risk of losing out on a meet you in person. “deal”. If an agent’s pressure is making Many people buy insurance online you uncomfortable, walk away. nowadays, but if you’re more

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onenevada.org | Q4 2019 10 FOCAL POINT

GETTING FAMILIAR WITH Insurance Lingo.

Every industry has or damaged. It typically equals the Deductible: the amount that replacement cost minus depreciation. you’re responsible to pay before your its own special list of insurance company will cover any Adjuster: this is a person who losses. terms and acronyms. is employed by the insurance Insurance services is provider. They examine and settle Depreciation: a reduction in the insurance claims based on estimates value of your asset as time passes; no exception. of damage as well as your policy usually due to wear and tear. coverage amounts. To help you better understand Fair value: the amount of money it how One Nevada Insurance Appraisal: simply an estimate of would cost to buy the property being Services can help with your the value of the insured property. insured. Insurance companies and financial resiliency, we’ve put adjusters look carefully at the fair together some common words Claim: a request to an insurance value. and phrases used by the company to compensate you for professionals. Of course, if you a covered loss or policy event. If Premium: what you pay the ever have a question or need something goes wrong, you file a insurance company for the insurance some advice, our team is ready to claim. coverage you have chosen. The help at onenevadainsurance.com, premium can be affected by your 800-388-3000, option 4, or Declaration page: a one-sheet coverage and deductibles. [email protected]. document that clearly spells out the insurance policy you’ve purchased. Replacement cost: the total Actual cash value: this is the This includes what’s covered, what’s dollars necessary to replace the repayment value you can expect not covered, the insurance company property being insured without to receive if your property is lost name, and any contact information calculating depreciation. you’ll need to file a claim.

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Community Kudos Great Reno Balloon Race JEFF L. “This, by far, is one of the best financial institutions I’ve dealt with. Very accommodating and understanding to the new locals that we are. Gaby L was awesome! She gave me insight into their available programs and helped me immensely!”

Upcoming Events Hannah Tyler Co-Host of the Moo Crew with Bob, Ryan and Hannah at KBUL 98.1 getting ready • October 26 – Discovery’s Halloween to take the first flight of the event with our flight crew and Las Vegas pilot Jeff Ebel. Trick-or-Treat Event. Nevada families enjoyed an uplifting experience at this year’s Great Reno • November 16 – 17 – Nellis AFB Aviation Balloon Race when they stopped by the One Nevada sponsor booth and Nation Air Show 2019. received a free souvenir photo. We invited guests to soar with us by getting • December 5 – Member Appreciation into a replica balloon basket and creating a photo memory of their time at Holiday Party. the annual balloon festival. • December 12 – 14 – 39 North Pole Griswold Challenge presented by One Nevada.

Nevada Interscholastic Activities Association (NIAA) NIAA/One Nevada 2A State Golf Tournament (Girls) October 14 & 15 Toana Vista Golf Course in West Wendover

NIAA/One Nevada 3A/4A State Golf Tournament (Girls) October 21 & 22 Location: Boulder Creek Golf Club in Boulder City (3A) and the TPC Summerlin course (4A)

NIAA/One Nevada 3A/4A State Tennis Tournament (Boys/Girls) October 30-November 2 Location: Bishop Gorman High School (4A) and The Meadows School (3A)

NIAA/One Nevada State 2A/3A/4A Cross Country Championships (Boys/Girls) Photo by Jules Karney/MaxPreps. November 9 Location: Rancho San Rafael Park in Reno One Nevada is the proud title partner of the Nevada Interscholastic Activities NIAA/One Nevada State 1A/2A/3A/4A State Volleyball Tournament (Girls) Association (NIAA). The NIAA is the November 14-16 non-profit, governing body of Nevada Location: Faith Lutheran High School in Las Vegas high school athletics and activities. As we move through the school year, NIAA/One Nevada State 1A/2A/3A State Football Championships (Boys) we’re proud to partner with the NIAA to November 22-23 bring you nearly 230 regional and state Location: Northern Nevada TBD championships annually. Upcoming state championships are listed here. NIAA/One Nevada State 4A Football Championships (Boys) Tickets are available on-site. For more December 7 information visit NIAA.com. Location: Sam Boyd Stadium, UNLV

onenevada.org | Q4 2019 12 FOCAL POINT Employee focus

Did you know? Karla Goplin Insurance Agent Can you tell us about your position and how The average you got started in the insurance industry? I’ve been with the credit union since July 2007. kids’ allowance It’s such an amazing place to work, and a lot is $65 a month. of co-workers have turned into really good friends. While in college, my uncle opened an You read that right. Long gone insurance agency, and I helped get his office are the days of getting $5 for an up and running. I enjoyed educating people on allowance. According to a survey, what their coverage really meant and kids today get close to $800 a helping them understand exactly year from an allowance. what they were buying. A few years later, I started as an agent with One All I know is if I were a kid today, I Nevada. We’ve grown quite a bit from when I started. Source: www.moneysmartguides.com/fun- would be investing that money so facts-about-money-i-bet-you-didnt-know I could retire by the time I hit 40. What do you think sets One Nevada Insurance Services apart from other insurance agencies? As part of the credit Free webinars. union, members already have that trust in us with their financial Along with our financial partners at Balance, we’re excited to needs. We strive to be a one-stop announce our free webinars for October, November, and December. shop where members can bank, Our webinars are open to everyone and packed with useful info. Just obtain a loan, invest, or obtain make sure to reserve your virtual seat. insurance. We get to know our members and help them along their financial journey first with auto and renters insurance and then bundling the auto insurance with a homeowners policy. October November December Can you explain the benefits of getting my insurance with the credit After identity theft. Ten steps to TBD — Check the union? We’re an independent agency, financial success. website below. which means we work with multiple companies to try and find you the best coverage at a great rate. In many Reserve your seat at onenevada.org/learn. cases, our insurance carriers offer our members a discount just for being One Nevada members. What do you think holds people back the most when it comes to buying insurance or what might be the biggest misconception? I think for most people, it’s the time they think it will take to obtain a quote. It’s a really fast and simple process. The misconception is most people think it’s something you pay for but won’t ever use. Insurance is a safeguard to help put you back financially where you were prior to a loss. There are dozens of car accidents everyday and it’s an insurance policy that pays off that car, repairs damages, or replaces a car for you. What do you like to do in your spare time? You can usually find me at a local park with my family. I have two kids, six and a two year old. I am a gamer chick and enjoy playing video games when time permits.

13 South 702-457-1000 | North 775-827-3880 | Q4 2019 Yes, they’re worth it.

PLAN FOR WHEN THE GOING GETS RUFF!

With Pet Insurance, you’ll worry less about the cost of care and more about getting your best friend on the road to recovery.

• Get preferred pricing. • Use any vet. • Get cash back on vet bills.

Now’s the purrfect time to get your furry children covered.

Call us: 800-388-3000, option 4 Email: [email protected] Visit: onenevadainsurance.com/pet.

One Nevada Products and services Handy information Checking accounts Savings accounts Loans onenevada.org One Checking® Rewards— Primary—Smart, simple savings. Auto—New, used and refinance. Tons of free services, earn Branch hours unlimited cash back on debit Special Share—Save for a special Home Loans—First, second, home card transactions, $5 monthly occasion such as a wedding, equity and home equity lines of anniversary or vacation. credit. Branch hours fee. 9am to 5pm Share Certificates—Federally Personal—Signature, emergency, One Checking®—Tons of • Fort Apache free services, no monthly insured with terms from 3 months to lines of credit, share secured and 4 years, $1,000 minimum balance. credit builder. • Nellis AFB fee with 15 signature debit • N. Decatur/215 card transactions per month Money Market—Flexible and Business—Specializing in • Pearl or $2,000 in average daily federally insured savings at commercial real estate lending. • Plumb Lane (Reno) balance. competitive rates. VISA® Credit Cards—Low-rate, MyChecking—Free youth All other branches not listed above Preferred Money Market—Earn low-fee Signature card with CU 10am to 6pm account for ages 15–17, tons of a higher rate if you have a Rewards™ and cash back options free services. relationship with our Investment available. Contact Center hours Group. Essential—Free account for Advance Pay Short Term Loans— Mon-Sat: 9am-8pm lower-income members, tons IRAs—Roth, regular and Coverdell Borrow up to $1,500 for two Sun: 10am-6pm of free services. Educational IRA options available weeks for less than the other guys. with Share Certificates and ATM Locations MoneyMaker. 46 One Nevada ATMs in Nevada, full ATM Insurance* Investments** Digital banking services listing at onenevada.org. Auto—We shop multiple 401K Rollovers—Many IRA rollover Mobile Apps—Manage your Over 46,000 fee-free Allpoint ATMs – visit carriers to find you the best options available. account with your smartphone or allpointnetwork.com or our app to find ATMs rates. tablet, pay bills, deposit checks or near you. Annuities, Mutual Funds and send money. Home—We’ll get you all the Brokerage Accounts—Get income Lost/stolen cards protection you need. you need for retirement. Allpoint ATMs—Enjoy 46,000 To report lost or stolen credit cards: fee-free ATMs nationwide. Life—Term, whole and Financial Planning—Local 800-449-7728 mortgage protection. representatives are ready to Ca$h Perks—Get rewards based on personally assist you and your where you shop everyday with your To report lost or stolen debit cards: Renters—Protects your personal family’s needs. debit or credit card. 800-528-2273 property and provides liability protection. Retirement Planning—We’ll help KeepTrack®—Pull all of your outside 24-hour debit card help fraud / disabled you plan income strategies and accounts right into your One Visa Debit Card: 866-664-9364 AD&D—Covers you in the event inheritance strategies. Nevada online banking account. of death or loss of a limb, sight, speech or hearing due to an Online Banking—View your Bill pay support **Non-deposit investment products and Metavante Corporation: 866-873-9580 accident. services are offered through CUSO Financial accounts, transfer funds, apply for Services, L.P. (“CFS”), a registered broker- loans and more. Payment Protection—Pays off dealer (Member FINRA/SIPC) and SEC Mobile banking apps your loan in the event of death, Registered Investment Advisor. Products Online Bill Pay—Pay bills online for Apple App Store: makes your payments in the offered through CFS are not NCUA/NCUSIF free. Search “One Nevada Credit Union” event of a disability. or otherwise federally insured, are not guarantees or obligations of the credit union, E-Statements—Save paper and Google Play Store: Umbrella—Get liability and may involve investment risk including postage. Search “One Nevada Credit Union” coverage above the limits of possible loss of principal. Investment your auto and home policies. Representatives are registered through CFS. Account Alerts—Sign up for text One Nevada Credit Union has contracted or e-mail alerts for account Holiday closings Guaranteed Auto Protection— with CFS to make non-deposit investment information. • October 14 – Columbus Day Helps cover the difference products and services available to credit • October 25 – Nevada Day union members. between the balance of your • November 11 – Veterans Day loan in an emergency. • November 28-29 – Thanksgiving • December 25 – Christmas Day *Products are not NCUA/NCUSIF insured and are not guaranteed or obligations of One Nevada Credit Union. Property, casualty and life insurance offered through One Nevada Insurance Services. 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 reports. Future reports may be used to update or renew your insurance.