Filling up Your Retirement Passport

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Schedule a complimentary consultation with one of our CFS* Investment Representatives. Call us directly at (702) 641-4323 or visit us online at: ONCUinvestments.com

*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 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-deposit investment products and services available to credit union members. (Member FINRA/SIPC) point focal CONTENTS Greetings, fellow Members! Beat the Heat The heat is on and summer has Page 3—4 arrived. I hope everyone had a great Fourth of July and that you’re enjoying the summer with friends and family. Passport to Retirement Here at One Nevada, we’ve been Page 5—6 busy working on this issue of Focal Point. The summer travel season is Member Profile in high gear, and in this issue, we’ve got your passport to Vaughn Hartung preparing for retirement and your guide to banking on the Washoe County, District 4 Commissioner go while you wander the globe. Owner Vaughn Hartung Enterprises This issue also covers the key themes from our recent Former Owner/Partner Hartung and Dickman Focal Point member survey. Special thanks to all of you Photography Studios who responded to our survey about how we can improve Sparks, Nevada this magazine. We got a ton of great feedback about both Page 7–8 the magazine and One Nevada in general. We’ve read each and every comment, and this issue 10 Tips to live the reflects some of the changes we’ve made to make the magazine more useful for you. Plus, check out the article perfect retirement on page 11 for a summary of the key themes we received Page 9–10 about how to make One Nevada better for you. Lastly, I wanted to address our recent, planned Focal Point survey findings system outage. I understand how inconvenient system Page 11 outages can be for you, especially over a weekend. I truly appreciated your patience and understanding during the outage. Serving the Community The reality is that these events are necessary from Page 12 time to time to ensure that we’re keeping our systems updated and prepared for the future so we can continue Did You Know? to provide you the highest level of security and the latest in features and functionality. I’m confident the changes Employee Focus that we implemented will benefit you for years to come. Page 13 Thanks so much for your continued membership!

Paul Parrish, 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. Our goal is to Focal Point FOCAL POINT STAFF help you understand all 2645 South Mojave Road that membership offers Deborah Colby, SVP MARKETING/CMO Las Vegas, NV 89121 you, provide financial Jennifer Salvador, AVP MARKETING education and present [email protected] topics important to you. For address corrections, Jake Ludens, AVP MARKETING Schedule a complimentary consultation with one of our CFS* Investment Representatives. please speak with a Financial AVP MARKETING — NORTHERN NEVADA Lisa Jansen, Copyright ©2018. 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. Insured by NCUA. go to OneNevada.org or Greg Pace, SR GRAPHIC DESIGNER Equal Housing Lender. download our mobile app. Beat the Heat

his time of year, everyone seems to be traveling here or there. As a One Nevada member, you can take your financial prowess on the Troad with you thanks to the One Nevada mobile app.

DO THE DIGITAL THING Ever imagine life without your smartphone? Yeah, right! Those handheld bits of internet have become essential tools in winning debates and finding places to eat. When you’re a One Nevada member, that phone can do even more. All you need is the One Nevada Mobile

3 SOUTH (702) 457-1000 | NORTH (775) 827-3880 | Q3 2018 WITH ON-THE-GO BANKING AND CREDIT CHECKS

App and an Online Banking login to do BE CREDIT SAVVY Did we mention it’s FREE? Those FREE credit some remarkable, on-the-go things. We get it. Checking your credit score can checks allow you to: seem like a huge chore. Plus, there’s a • Get unlimited access to your reports and score Save money. When you’re out rumor going around that the more often • Save money with personalized offers shopping, you can redeem your debit you check your credit, the more it will • Stay current with credit report alerts card rewards at local retailers. Look for damage your score. We’re here to dispel the Cash icon. that myth and make credit savviness as DOWNLOAD THE ONE NEVADA MOBILE easy as using Online Banking. APP for your iOS (Apple) or Android device at Save time. Deposit checks, pay bills, Check Your Credit for FREE when One Nevada.org/app. Then take us with you transfer money, check your balances you log in to Online Banking or use the everywhere you go this summer. or find an ATM. It’s all there and easy Mobile App and look for ‘Credit Score.’ to use. This FREE service allows you to check Need help? Give us a call at (800) 388-3000 or Protect yourself. Check your credit your credit report and score while you’re stop by any branch. score and monitor your credit from your on vacation and continually monitor for phone. We call it being credit savvy. possible fraud.

ONENEVADA.ORG | Q3 2018 4 Filling Up Your Retirement Passport he journey toward retirement The question is: will it be enough to retire bonds, annuities, as well as tried-and-true is packed with all kinds of on time? That all depends on when you savings accounts. fascinating locations that plan to retire, what you want to do during A 401(k) is a great example. These plans T you won’t find on any ordinary retirement, if you plan to continue your are often tax-deferred, meaning you don’t map. This adventure contains destinations current lifestyle, and how well you’ve pay any taxes on your withdrawals until like the city of 401(k), Downsizing Lane and planned ahead for inflation and your retirement. With annual IRS contribution Mt. Market Evaluations – all essential stops future medical expenses. limits as high as $24,000 for those 50 and as you fill up your retirement passport and older, these can be a great way to boost START BY CUTTING EXPENSES come closer to living your dreams. your retirement savings. Downsizing can be a great stamp for your ARE YOU READY FOR RETIREMENT? retirement passport. After all, it’s a good CALCULATE YOUR FUTURE Every day, another 10,000 Baby Boomers bet that you’ll spend less on housing and One Nevada has several retirement turn 65 in the U.S.1 While that’s a local transportation during retirement based calculators to help you fill up your staggering thought, what’s even more than you are now. Of course, medical bills retirement passport. You’ll find them all at startling is that about 30% of them will and the cost of traveling and leisure could OneNevada.org/calculators, they include: have no significant retirement savings. offset some of those savings, which leads How Much Will I Need to Retire? Use The idea behind retirement is that to a discussion about the future. this calculator to determine if you can you’re no longer working for a living. PLANNING FOR TOMORROW maintain your current lifestyle during Instead, you’re living off the money you Depending on how full your retirement retirement and what changes you saved and the investments you made passport is today, there are investment might need to make to get more from during your working years. If you’re like options that could help you catch up your later years. most Americans, you have some savings, with your retirement goals. Those may including an employer retirement include employer plans (401(k)), personal plan, Social Security benefits and other Individual Retirement Accounts, stocks, investments.

1Pew Research Center; 22016 TransAmerica Center study; 3Non-deposit investment products and services are offered through CUSO. Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered 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.

5 SOUTH (702) 457-1000 | NORTH (775) 827-3880 | Q3 2018 How Much Will I Get from Social Xers still have some time to plan for and • Are you planning to care for your aging Security? This quick calculator save toward retirement. However, it’s parents? will help you estimate your Social estimated that 40% of Gen-Xers do not • Are you in the market for a second or Security benefits and help you have a plan for retirement2. That could vacation home? decide if you should take your be because they’re currently sending kids WORK WITH A RETIREMENT PASSPORT EXPERT withdrawals early or wait. off to college or spending their money on Once you’ve had a chance to review how everyday expenses. How Much Will Inflation Affect much you’ll actually need to save for and live If you’re in Generation X and want to My Retirement? Easily understand in retirement, it could be time to chat with a plot your course toward retirement, start the effects of inflation on your professional who understands taxable income, by utilizing the calculators mentioned in retirement income with this inflation, market evaluations and a lot more. this article, talk to a professional, max out forward-thinking calculator. One Nevada Investment Services3, available your employer’s retirement plan, and be through CUSO Financial Services, L.P. (“CFS”), How Long Will My Savings Last realistic about your current and future could help you get your passport ready for in Retirement? This is the biggest needs by asking yourself some honest your biggest adventure yet. You’ll find them at question most people have about questions. ONCUinvestments.com or stop by any branch to retirement. • Do you have kids who will need help make an appointment. paying for college? Could they take How Much Can I Put into a 401(k)? out loans instead? Estimate your possible, annual • Do you have too much debt? Is that contributions as you work toward debt keeping you from saving your savings goals. enough for retirement? GET YOUR GEN-X STAMP • Do you plan to move into a larger The oldest among Generation X home soon? Could you stay in your won’t turn 65 until 2026. So, most current home?

One Nevada Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members. CFS representatives do not provide tax or legal guidance. For such guidance please consult with a qualified professional. Information shown is for general illustration purposes and does not predict or depict the performance of any investment or strategy. Past performance does not guarantee future results.

ONENEVADA.ORG | Q3 2018 6 VAUGHN HARTUNG

Washoe County District 4 Commissioner Owner Vaughn Hartung Enterprises Former Owner Hartung and Dickman Photography Studios Sparks, Nevada

7 Representatives of 12 of Nevada’s “I can manage all of my 17 Counties attended meetings in Washington D.C. to talk about banking needs any time county needs and priorities. of the day or night.”

eople first get into Western Regional Water Commission While retirement is still a handful of politics for all the right Board of Trustees, is vice chair of the years away for Commissioner Hartung, reasons, including Truckee Meadows Water Authority, he knows he will enjoy his many infrastructure improvements, along with a long list of other important hobbies, including collecting antique community support, resource boards. clocks, fishing, hunting, yard work and managementP and more. For “Water is the most precious travel. Commissioner Vaughn Hartung it was, commodity we have,” Hartung added, “We will probably start traveling and continues to be, all of the above. rattling off exact statistics about water more than we have historically,” he said. First elected to represent District 4, usage and reserves, from lakes and “We want to go to Europe.” including Sparks, Spanish Springs and rivers to reservoirs. He knows his stuff, While he’s there, Hartung knows he Wadsworth in 2012, Hartung plans to and the people who elected him seem can still get his work done as an elected run again in 2020 to continue serving the to appreciate his enthusiasm and official. Last year, during a trip to Hawaii, community that he and his family have energy just about as much as Hartung Hartung was able to cast his vote on a enjoyed for more than three decades. appreciates his One Nevada Credit Union specific item even though he was not “I first moved to Northern Nevada membership. physically in Nevada. in 1980,” Hartung recalled. “I taught “I’ve been a member of the credit “I can connect with the staff via text photography at Truckee Meadows union since I moved here,” he said when or phone call. It’s a new world.” Community College and UNR. I then asked about One Nevada. “I like the For all of us at One Nevada Credit later opened a photography studio in service and the ability to do everything Union, including the members, 1983. We were booking weddings and online. I have a full-service bank from my Commissioner Vaughn Hartung is other events 12 to 18 months in advance desktop or smartphone. I can manage all a welcome ally and trusted voice during our most successful years.” of my banking needs any time of the day who understands the importance of For decades, Hartung has enjoyed the or night.” community, family, people-helping- roles of small-business owner, employer, Hartung and his wife have put their people and recognizing our military teacher, community volunteer and most One Nevada membership to good use, heroes. recently that of elected official. financing their home and saving up to “I’m proud to say, we live in the “Right now, my passion is water,” help their kids go to college. greatest country in the world.” Hartung proudly stated. As for retirement, the Hartung family When it comes to water and has been planning for the future for You can learn more about Commissioner sustainability, Hartung is an important decades. Hartung on the Washoe County website. political influencer in the state of “I think about retirement all the Nevada, named Public Official of the time,” he added with a nod. “We’ve Year by the Nevada Water Environment been saving for retirement since we got Association. Hartung also chairs the married 34 years ago.” 8 1O Tips TO LIVE THE PERFECT RETIREMENT.

hen people dream about their retirement, they often imagine sunny beaches and exciting trips abroad. But in reality, Wretirement is about careful budgeting. Nearly half of all Americans never attempt 1 online, check with the company or service to calculate what they need for retirement provider you visit most. Often times, simply until it’s too late. Sure, there’s Social asking about a senior discount will save you Security, but with an average payout of money. just $1,404 per month2, clipping coupons 3. JOIN A CLUB. The American Association and finding discounts where you can could of Retired Persons (AARP), Association be a rewarding way to get more from your of Mature American Citizens (AMAC), or retirement savings. American Seniors Association (ASA) are all great options. Some organizations 1. DOWNSIZE. Do you have a large amount charge annual or lifetime member dues, of equity in your home? Could you have a but make it worth your while with steep garage sale and move into a smaller home, discounts at restaurants, travel destinations condo or flat? Maybe you’d like to live in an and necessities. There are even discounts 5. GIVE YOURSELF A MONTHLY (OR RV and travel the country. Downsizing not available on life, health and auto insurance. BI-WEEKLY) PAYCHECK. Regardless of only helps cut expenses, but it can also put your retirement accounts or where your a large amount of money to work for your 4. GET A PART-TIME JOB. Being active money is located, take each disbursement retirement years. during retirement is a must. If you find as if it were a paycheck. That will help you yourself with a lot of downtime, go out and better manage your finances and stick 2. DISCOVER DISCOUNTS. America loves get a part-time job doing something you to your budget. Additionally, re-calculate its active and engaged seniors. You can love. You’ll get out of the house, interact your distributions annually to help ensure capitalize on that with special discounts. with others and make some money. you’re not taking too much from your Look for restaurants, national park passes, Through our partnership with Balance savings. The goal is to ensure your money supermarkets, pharmacies, hotels, camping Financial Fitness, you’ll find a great article outlives you, not the other way around. sites, vacation packages and more that offer about job options for the semi-retired at You’ll find a long list of retirement-based discounts. If you cannot find information OneNevada.org/balance. calculators at OneNevada.org/calculators.

1Employee Benefit Research Institute; 2Social Security Administration; 3Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are 9 not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. 10. TALK TO A FINANCIAL EXPERT. There are people out there who can show you how to 6. USE ALTERNATIVE TRANSPORTATION. for assistance with nutrition guidelines get more from your savings, including tax Taking the bus or drive-share options like as well as coupons for discounts on fresh benefits, estate planning, and retirement Uber or Lyft can save you a lot of money. fruits and vegetables for seniors who income strategies. Best of all, an expert could Your savings could include the cost of qualify. look at your situation and see things you may have missed. gasoline, insurance, car payments and 9. TRACK YOUR SPENDING. Your One repairs, as well as taxes and fees. Nevada membership gives you access Wherever you are in your retirement journey, it’s never too late to do some math and find 7. STAY HEALTHY. When you stay healthy, to some powerful money and budget ways to reduce spending, outpace inflation you’ll likely spend less on doctor visits, tracking tools with Mobile and Online medications, and treatments. Get out and Services. Download the free app for and enjoy your golden years to the fullest. walk every day, exercise more, take the stairs your mobile device, or simply log in to OneNevada.org on your computer. There Give us a call at (800) 388-3000 or stop by any whenever you can and take the dog for a ® walk or two . . . or three. you’ll find KeepTrack Personal Finance branch and we’ll introduce you to the experts Tracking, account alerts, instant access at One Nevada Investment Services3, available 8. CUT THE RED TAPE. The government is to your most recent transactions and the through CUSO Financial Services, L.P. (“CFS”), there to help when you need it. Visit sites chance to review your credit score and who may be able to help you get the most from like nutrition.gov and fns.usda.gov/sfmnp history. And it’s all free. your retirement savings.

The easiest way to find the nearest ATM our investments between opening more Thanks, fellow members is with the One Nevada mobile app. After branches and delivering you the latest in for the hundreds of you log in, click on ‘Locations’ and view the digital services. nearest AllPoint and One Nevada ATMs. You We’ll continue to evaluate locations responses to our Focal can access locations on our website too. carefully, and we’ll invest in locations where we see the best opportunity to Point magazine survey. ATM EXPERIENCE serve both you, our existing members, as We appreciate you taking the time out of We definitely heard that we have some well as potential members. Right now, we your busy life to answer our questions and opportunities to improve your ATM anticipate adding a new location in Reno give us feedback. We read each and every experience. Key feedback included ATMs within the next 12 to 18 months. comment, and we’ll use your feedback being out of cash, deposits jamming, and When it comes to extended hours, we do to help improve your member magazine machines not always being operational not expect to extend branch weekday hours and your credit union. We heard four key when you need them. We’re working or add Saturday hours in the immediate feedback themes: closely with our ATM partner to address future. That said, we have extended our 1. You love One Nevada’s Contact Center hours to include member service; evenings and weekends 2. You want more to better assist you with fee-free ATMs; issues that may arise after 3. You want a better the branches close. ATM experience; Plus, we continue to and We asked. make investments in 4. You’d like more our mobile app so that branches and you can do more from extended hours. You responded. wherever you are versus having to travel to a MEMBER SERVICE branch. We’re thrilled to Did you know that hear how much you with our mobile app love our branch and you can check account member service teams. balances, transfer funds, Please accept our sincere deposit checks, send money to thanks for all the kind words! We take pride your concerns friends and family, view your in being a welcoming financial institution and improve this credit score and more? If you’d always ready to help you. We’ve shared your experience for you. like assistance installing our responses with the team so they know how mobile app, just stop by any they make a difference. BRANCH LOCATIONS AND branch. FEE-FREE ATMS EXTENDED HOURS Thanks once again for your You also love our fee-free ATMs, but you Some of you asked for more branch membership and survey aren’t always sure how to find them easily. locations or extended hours. This responses. Your feedback With over 46,000 AllPoint ATM network is always a tough one. With many helps us improve One locations, fee-free cash is never far away at members asking for greater digital Nevada for all. places like CVS, Walgreens, Target and more. convenience, it’s important we balance

11 SOUTH (702) 457-1000 | NORTH (775) 827-3880 | Q3 2018 SERVICE KUDOS N. Decatur Branch One Year Anniversary MARY ROSE S. My first time opening a checking and savings account was with this bank. The service here is beyond outstanding. I, as a young adult, came to One Nevada Credit Union seeking financial advising and credit building options. I was introduced to the credit builder loan and it’s credit building process. The details were brief but extremely easy to understand. The process of opening a checking account, a savings account, and applying for credit builder loan took no longer than an hour. I highly recommend their On April 26, we celebrated the 1-year anniversary of our N. Decatur branch. To show financial services! our appreciation, we gave away numerous prizes, including a chance to win up to $500 in the Money Machine. Over $2,200 was awarded. Thank you for making our first year in the neighborhood a fantastic one! Reno Food Truck Friday Spring 2018 Reno and Las Vegas Shred Events

The Reno Spring Shred Event The Las Vegas Spring Shred Event We raised $2,737 for SPCA of Northern We collected $800 for Make-A-Wish Nevada. SPCA is Reno’s original no-kill Southern Nevada. This amazing local animal shelter. Their primary mission is to charity grants wishes of children with life- end euthanasia and care for animals until a threatening medical conditions to enrich new forever, loving home is found. the human experience with hope, strength and joy. Thank you to all who donated. Congratulations to the winners of the ONCU 2018 Community Leadership Scholarships! One Nevada Credit Union, in partnership with the The Public Education Foundation, award Community Leadership Scholarships Food Truck festival season is upon us, and One annually to four eligible students as Nevada is there for all the fun! Food Truck Friday a way of recognizing and rewarding serves up 35 local and regional food trucks those graduating high school seniors featuring an assortment of delicious food, tasty that have contributed to the success desserts and cool refreshing beverages. It’s the of their community through their place to be in Reno during the summer. volunteer and leadership efforts. One Nevada proudly supports Food Truck (From left to right) Applications are judged on academic Fridays. We invite you to stop by our sponsor Rosalia Sedano achievement, leadership, career goals, booth for your chance to win One Nevada Southwest Career & Technical Academy quality of answers to the leadership prizes. Come join us for food, fun and music Christian Bombara essay questions and the scope of the each Friday night at Idlewild Park. Shadow Ridge High School student’s community activity. Food Truck Friday — Idlewild Park Karen Dang – Clark High School 4 p.m. – 9 p.m. every Friday May 18 - Sept 28 Not Pictured Brennan Berti – Rancho High School ONENEVADA.ORG | Q3 2018 12 EMPLOYEE FOCUS Tony Clate DID YOU KNOW? Assistant Vice-President of Facilities How long have you been with the Credit Union? U.S. Bureau of Engraving and Printing I have been with the credit union for over 6 years. Tell us about your position and what you do. The facilities department repairs, maintains and builds whatever is needed for the good of the credit union. From improvements to remodeling, we assist with any new construction that is needed. You have a military background, did you learn your trade while serving? Yes, I proudly served in the United States Marine Corps. I did learn some of my trade in the Corps. How do you think your military career prepared you for your career now? The Marine Corps taught me discipline, integrity and team work as well as how to be a leader. he United States Bureau of Engraving and Printing Where did you learn most (also called the “Money Factory”) has two active facilities of your trade skills? I learned from which it prints money today. There is one located glazing from my father. I learned in Washington, D.C. and another in Fort Worth, Texas. mechanical skills from a friend of T the family and electrical/electricity from school. Together these two facilities use a mind-blowing 9.7 tons of ink per day. That is almost the equivalent weight of three cars! Source: supermoney.com Your position is behind the scenes and our members don’t really get to see what you do and how hard your team works, what would you say is the most integral part of your job? The most integral part of any facilities job is to get what work is needed done with Win a Magical Shopping Spree! professionalism and quality. Our service to the credit union and employees is top priority; we You’ll be running through a warehouse want each employee to feel safe at work. filled with merchandise, located in one of the most magical cities in the country What is the most rewarding part of your job? – Chicago, Illinois – and grabbing all you The most rewarding part of my job is to see and hear the satisfaction from the members and can. And it won’t cost you a dime! employees. The airfare, three days and two nights What do you think is the biggest misconception at the Renaissance Blackstone Hotel, about you and your team? I think the meals, entertainment, and loads of misconception is we do not care, yet we as money in merchandise – it’s all on us! a department strive to achieve the highest To be part of the magic, all you quality and we do care. Sometimes work orders need to do is go to curewards.com may take longer than expected, due to safety and enter to win, then use your One priorities first. Nevada CURewards card three times What do you think makes One Nevada a “Best per week from now until September 9, Place to Work”? I think the reason we achieve 2018.* While on the Rewards site, take this status is because One Nevada treats all a preview of the exciting merchandise employees like family. you could be grabbing in a 60-second What do you like to do in your free time? Any warehouse run. Chances are you might hobbies? My favorite hobby is magic; I have be a winner, so take a look and be sure been doing that since I was very young. My other to enter! hobby is assembling models.

*For complete details and the official rules, visit cumagicminute.com

13 SOUTH (702) 457-1000 | NORTH (775) 827-3880 | Q3 2018 Own your dream.

SAVE AN AVERAGE OF $4,000 ON A HOME MORTGAGE. Buying a home is a big decision and one that could Contact us about our mortgage programs at cost you more than you should pay. We offer multiple Las Vegas Area: (702) 382-4094 programs with local underwriters, saving members an Reno/Sparks: (775) 827-3880, x4643 average of $4,000. We offer VA, FHA and Conventional or visit OneNevada.org/mortgage financing to meet a wide variety of needs. Apply today and get started towards home ownership.

We Do Business in Accordance With the Federal Fair Housing Law and Equal Credit Opportunity Act. *Based on Southern and Northern Nevada survey of competing lenders as of March 2017. 1APR is annual percentage rate. Comparisons based on a $200,000 30-Year Fixed Rate conventional mortgage loan at 80% loan-to-value (LTV). 2Payment example: $969.30 per month at 4.169% APR for 360 months. Payment does not include taxes or insurance. Comparison and rate sampling as of 2/14/17 from lender websites and/or loan officers. These are estimates only based on data available at the time, please contact lender for complete accuracy verification. Rates change daily, contact us for the most current rate for One Nevada. 3Sample only, actual amount may be higher or lower based on each specific situation. NMLS ID: 402788. PRSRT STD U.S. POSTAGE PAID Las Vegas, NV Permit No. 2020

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. 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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 • September 3 – Labor Day and home policies. of principal. Investment Representatives are E-Statements—Save paper and registered through CFS. One Nevada Credit postage. Guaranteed Auto Protection— Union has contracted with CFS to make Helps cover the difference non-deposit investment products and services Social Media—Keep in touch with between the balance of your available to credit union members. the credit union via Facebook, loan in an emergency. Twitter and other online sites. *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.