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In this issue:ANNUAL MEETING HIGHLIGHTS. 2ELECTED BOARD MEMBERS. 2EXPANDED ATM NETWORK. 3SCHOLARSHIP RECIPIENTS. 3EMPLOYEE SPOTLIGHT. 4PROTECTING YOURSELF - CREDIT CARDS. 5The Official Newsletter for Members of Red River Credit UnionCreditUnionCHRONICLESUMMER 2018We EXIST toserve You.Together at last!Core System Merger was Successfully CompletedRed River Credit Union would like to genuinely thankyou for your patience during the core system merger. Wesuccessfully merged the two systems into one, giving everymember full access to all our credit union has to offer.if you experience longer wait times in the Louisiana andMississippi branches or with our phone center. We areworking as quickly as we can while keeping each individualmember’s best interests in mind.Top two reminders for ALL members:#1 Check your contact information today toverify we have your current address.#2 Sign up for eStatements. It’s convenient,secure, and eco-friendly. RRCU willdeposit 5 in your account for successfullysigning up for eStatements.Again, thank you for your patience during this necessarygrowth time.During the merger process, account disruptions werekept to a minimum, and we were able to complete theprocess ahead of schedule. Please continue to be patientRRCU’s CEO RetiresSaying farewell to a great leader, Robert BuckTuesday, June 19th, RRCU held aretirement celebration honoring Mr. Buckfor his dedication to the credit union. After45 years, 24 as president and/or CEO, weknow our credit union would not be what itis today without the watchful leadership ofMr. Buck and our Board of Directors.We wish Mr. Buck well in his retirementand look forward to seeing him on a regularbasis as he continues to be a valued memberof RRCU. Thank you, Robert Buck, for youroutstanding service.Federally insured by NCUALeft: Robert Buck,newly retired CEO.Top: Fred Milton,Board of Directors- Chairman.Top Right: BradBailey, President/CEO.Right: RobertBuck holding a1994 RRCU newsletter announcing his originalpromotion to President of RRCU.75 Reasons Why RRCU is for YOU!

Annual Meeting HighlightsEntertainment, Elections and Prize Giveaways!Red River Credit Union held its 2018Annual Meeting on Saturday, April21st, at the Pleasant Grove PerformingArts Center in Texarkana, Texas.RRCU members and employeeswere treated to a wonderful musicalperformance by Branson’s own ShojiTabuchi Show.Members who attended the annualmeeting entered their name in adrawing for chances to win 3,100worth of prizes. Cash prizes rangedfrom 25 to 100 and four 500 sixmonth share certificates were givenaway. Congratulations to our winners!Members had the opportunity to votefor Board of Director candidates also.Eight RRCU members were selectedby the Nominating Committee forconsideration to fill three 3-yearpositions and one 1-year position.Congratulations to our elected boardmembers (shown below) and thankyou for your valued service to ourcredit union.Nominations for next year’s Boardof Directors elections will begin inOctober. Look for our fall newsletterfor details if you or someone you knowis interested in applying.Entertainer Shoji Tabuchi.Newly Elected Members of the Board of Directors3-Year TermFred Milton1-Year TermSteve ConnerHolidayClosings Independence Day*Wednesday, July 4th Labor Day*Monday, Sept 3rdAndrea ChewningAnnette Lynch2018 Award for RRCUWe are excited to be recognized again as the Partnering in Education - LargeBusiness for TISD! This award recognizes volunteer hour contributions many ofour RRCU employees give throughout the school year district-wide.*To better serve our members, our Texarkana,Texas, Express Branches located on Walton Dr.,Texas Blvd., and in Central Mall will remain openfor both holidays.Texarkana (TX) Express Branches8:00 AM - 8:00 PMCentral Mall (TX) BranchContact Central Mall for specialHoliday HoursPAGE 2 CREDIT UNION CHRONICLETISD Award (L-R): Sharon Maynard (FastSigns), Sonya Jaynes, Candy Lee, Gina Morgan, KobeyMabry, Felicia Drake, Patricia Cunningham (with award), and Anne Slade (Spring Lake ParkElementary Principal).SUMMER 2018Federally insured by NCUA

Expanded ATM Network!As a member of RRCU, we waive the fee for accessing yourRRCU account using RRCU ATMs in our service area. Inthe absence of a RRCU ATM, members now have surchargefree ATM access to their RRCU account through the DolphinDebit Access system of ATMs.The Dolphin ATM Alliance is a group of ATMs owned andoperated by Dolphin Debit Access that provides surchargefree transactions to the members of participating financialinstitutions. To find a Dolphin Debit ATM near you, visit ourwebsite under Resources/Locations and Hours.Another way toserve YOU better!2017-2018 Scholarship RecipientsRRCU Partnering School Districts with Student BranchesEach school year Red RiverCredit Union is proud topartner with TASD, TISD,and LEISD. Through thispartnership, each highschool has its own studentcredit union and we providetwo students with jobs asstudent tellers. We alsoprovide financial literacy inthe classrooms throughoutthe school year. Thisprogram has a great impacton students who are eagerto learn and gain knowledgeabout finances, credit, andbudgeting early on. Alongwith this program weprovide a 1500 scholarshipto one senior, from eachhigh school, each year.To the right are the 2018scholarship recipientschosen by our scholarshipcommittee. Thank you toall of the seniors who tookthe time to complete anapplication and essay.Arkansas High SchoolRecipient:MORGAN MORROW,daughter of Scotty andJennie Morrow. Morganwill be attending theUniversity of Arkansas atLittle Rock in the Fall andplans to Major in Art andDesign.Texas High SchoolRecipient:LAIKEN MCKAY,daughter of James andRebecca McKay. Laikenwill be attending BaylorUniversity in the Falland plans to Major inChemistry/Pre-Medicine.Liberty Eylau HighSchool Recipient:KOLBY CUPPS, sonof Thomas Cupps andKristin Cox. Kolby will beattending the Universityof North Texas in the Falland plans to Major inMechanical Engineering.The Official Newsletter for Members of Red River Credit UnionPAGE 3

Employee SpotlightFern BranchYour Mobile Walletis Waiting.Bryan K. Leviston, Loan OfficerBryan Leviston has been serving members at the Fernbranch in Shreveport, Louisiana, for the past two years.Bryan is from the Shreveport area, returning afterspending 28 years in Atlanta, Georgia. Mr. Leviston is amember of the Omega Psi Phi Fraternity and a volunteerwith BizCamp, a FREE entrepreneurship training programfor middle school, high school, and Job Corps students inthe Shreveport area.When asked about his position with RRCU, Bryan said:“As the economy becomesmore complex, my goalis to provide exceptionalservice and informationto our members and oursurrounding community.I want to work directlywith them to providesolutions that are tailoredspecifically for them sothat they can make goodfinancial decisions.”Shopping is EASIER and more SECURE!You can use your RRCU Debit Card with Apple Pay, GooglePay, and Samsung Pay. Mobile wallet technology is makingit safer and easier to shop online, in stores, in apps, andeven vending machines.Just enter your RRCU Debit Card information into yourmobile wallet app, then leave the card behind and use yourmobile wallet to make purchases. The lists of retailersaccepting mobile wallet technology are growing every day.Check out our website for links to aconstantly increasing list ofretailers today.Bryan LevistonLoan Officer800-822-3317, ext 1603Look for thissymbol.As a loan officer, Bryan can assist members in applyingfor auto loans and pre-approvals, refinancing, homeimprovement loans, personal loans, and more. Stop by ourFern Branch for a visit or give Bryan a call for all yourlending needs.Some restrictions apply.Visit www.rrfcu.com for details.Sulphur Springs BranchGrand OpeningWe had a great turn out forthe grand opening of ournew full-service SulphurSprings branch. This newlyconstructed, free-standingbranch is conveniently locatedat 822 Gilmer St., acrossfrom Brookshire’s in SulphurSprings, Texas.Denise Fulk, Branch Manager/ Loan Officer, and staff areready to assist you with all ofyour banking needs.We would like to thank themembers of the SulphurSprings Chamber of Commercewho attended the event to helpus celebrate the expansion.Visit our new Sulphur SpringsBranch today and get to knowour helpful and friendly staff.Sulphur Springs Ribbon Cutting Ceremony.PAGE 4 CREDIT UNION CHRONICLESUMMER 2018Federally insured by NCUA

Tips for Protecting YourselfAgainst Credit Card FraudSafety tips to help you keep all your credit cards safer:Keep a list of all your credit cards in a safe place,including the account number and phone number to theissuing company in case the card is lost or stolen.Always sign a new credit card immediately.DO NOT write the PIN for the account on the card.When making a purchase with a credit card, make sureyou get the card back and the receipt. Check the receiptfor accuracy before leaving.When using a credit card at a restaurant or store, makesure that all blank lines are marked through so that noone can change the final amount.NEVER sign blank credit card receipts.Review your credit card statement as soon as possible.Match charges with your receipts to ensure all chargesare yours and are for the correct amount.Only travel with the credit cards you plan on using.Never give the account number of the credit card overthe phone unless you initiate the call.When making an order over the telephone, try to avoidusing a cordless phone. Cordless phone messages can beeasily intercepted by devices as unsophisticated as babymonitors and police scanners.Keep up with tips and alerts with our online Alert Center atwww.rrfcu.com. Look for Security Center under Resources.Searching for Your Next Investment?RRCU offers Commercial Real Estate and Investment Property Loans!Whether you’re just getting started or wanting to expand yourexisting property portfolio, RRCU can finance owner-occupiedcommercial real estate, office buildings, commercial strip centers,apartments, duplexes, residential rental properties, and more!We offer great rates and quick closings. Contact one of ourCommercial Lending Officers today:Jay W. CowanVice President,Commercial Lending903-735-3197jcowan@rrfcu.comBryan DePriestCommercial LendingOfficer903-735-3194bdepriest@rrfcu.comBob BruggemanPR & BusinessDevelopment Officer903-735-3107rbruggeman@rrfcu.comCall or come by to visit with one of ourknowledgeable business professionals today.The Official Newsletter for Members of Red River Credit UnionPAGE 5