FA L L 20 19 I S S U E

805·543·1816 SESLOC.ORG

Register for Identity Theft Services With a HomeFREE CheckingTM account, you receive free identity theft detection and resolution coverage for you, your spouse or partner, plus children up to 25 years of age and parents living at home.1 You‘re also entitled to receive proactive monitoring services, which includes continuous credit monitoring,2 monthly credit scores upon demand,2 an annual credit report 2 and dark web monitoring. Call (805) 543-1816 or visit any branch to get your Unique Member ID and register at sesloc.org/identity-theft-services.

PROTECT YOURSELF October is National Cybersecurity Awareness Month. You can help prevent cyber crime with our tips, events and services.

Shred Your Confidential DocumentsSESLOC Shred Day events offer an easy way for members to destroy sensitive information. Visit our Paso Robles branch on October 5 between 9 a.m. and noon, and we’ll shred your confidential documents for free.

LIMITATIONS: The limit is two legal-size boxes (12 x 10 x 15 inches) per member, or about 80 pounds. The service is provided on a first-come, first-serve basis and offered only during the event’s scheduled time frame, or until the trucks are at capacity. Details at sesloc.org/shred-days.

1. Identity theft insurance is underwritten by Lyndon Southern Insurance Company, a member of the Fortega family of companies. The information provided is a program summary. Please refer to the Identity Theft Expense Reimbursement Evidence of Coverage forms for additional information including details of benefits, specific exclusions, terms, conditions and limitations of coverage. Coverage is currently not available to residents of the state of New York and may not be available in other U.S. territories or jurisdictions in the future.2. Applicable to individuals age 18 and older who have a valid credit file. Credit monitoring, report and score are provided by TransUnion, subject to change. This credit score may not be consistent with the credit score model used by a lender, and therefore can not be relied upon to determine credit worthiness for any particular loan opportunity.

ONLINE SAFETY Checklist

Get more tips from Ken Long, SESLOC’s SVP/Chief Information Officer, plus take a quiz to test your ability to spot a phishing scam at

sesloc.org/cybersecurity-month.

REMEMBER: SESLOC will never call, text or email you asking for personal or confidential information.

Get our Cybersecurity Toolkit for Your BusinessWhile everyone can benefit from staying safe online, businesses need a solid strategy to protect their business, their customers and their data from growing cybersecurity threats. Get our toolkit at sesloc.org/cybersecurity-month.

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Use strong, complex passwords and change them often.

Never leave tech devices unattended.

Sign up for eStatements in Online Banking.Mailed documents can put you at risk from dumpster divers with criminal intent.

Beware of suspicious emails and phone calls. Avoid visiting unknown websites or down- loading software from untrusted sources.

Encrypt sensitive data on your workstation, laptop or mobile devices, and shred your documents. For example: SSN’s, credit card information, student records, health information, etc.

October 17International Credit Union Day

In alignment with the people-first philosophy of credit unions, SESLOC offers higher rates of return on savings accounts, lower rates on loans, and lower fees than other financial institutions. With 53,000 members strong, we’re truly making a difference on the Central Coast. Stop by any branch on October 17 to celebrate your membership and receive special giveaways!* *While supplies last

Our Commitment to Your Financial EducationWe provide financial seminars on a variety of topics throughout the year to help members make informed decisions. Recently, we expanded our offering with new topics and formats. In June, we held our first Home Sweet Home education event that featured a new table talk format, similar to speed dating. We gathered home buying experts in one location, including a realtor, a home inspector, a mortgage lender, a private mortgage insurance representative and escrow and title company representatives. Gathering in small groups encouraged questions and open dialog. We plan to offer this informative event again in 2020-stay tuned! In September we offered Cybersecurity + Online Banking Tips as a seminar topic, which covered ways to stay safe online, and provided a demonstration of key Online Banking features. Attendees left feeling more confident using our digital technologies. Do you have suggestions for our next education event? Email info@sesloc.org, call (805) 543-1816 or visit your nearest branch with ideas. Visit sesloc.org/seminars to view or register for upcoming events.

Education Grants Help Expand Classroom ResourcesWe awarded over $20,000 in Education Grants during the 2018-2019 school year. Support local schools by sharing the application with Central Coast teachers. The application can be found at sesloc.org/education-grants.

SESLOC Business Services Now Offers Quick Approval Business LoansRunning a business requires financing, services and support to move forward efficiently. That’s why we’re now offering Quick Approval Business Loans* for Business Visa® Credit Cards (up to $20,000) and Business Vehicle Loans (up to $50,000). See our competitive rates and apply easily online or at any branch. It’s just another way we’re helping businesses succeed on the Central Coast. Learn more at sesloc.org/business-services.

Please join us in welcoming Joey Ferrell, SESLOC’s new Senior Relationship Manager. With a deep level of expertise in nonprofit banking and a 10-year veteran of the U.S. Coast Guard, we are excited for the value he will bring to Business members.

*Other eligibility qualifications required for loan approval. Restrictions may apply.

Meet Javier Aguilera Your Mortgage Loan Officer in Santa Maria Originally from: Santa Maria, CASESLOC Mortgage Loan Officer since: March 2019 Weekends on the Central Coast include: Playing in a men’s softball tournament, hiking, biking, or enjoying Santa Maria Style BBQ with friends and family.Cheers for: Los Angeles Dodgers, Los Angeles Lakers and the Green Bay Packers.SESLOC is the #BestJobEver because: The people. Everyone is so welcoming and willing to help.What first-time homebuyers should know: Buying a home is a big deal. People rush into home ownership because it’s seen as a sign of adulthood and financial responsibility. First, ask yourself if it’s really time to buy a home. As a Mortgage Loan Officer with more than 15 years of experience in the financial industry, I can guide you along the path toward this big commitment.Tell us how you “Bring it Home” : Getting to know the members and building long-term relationships is key. Rather than just assessing current needs, discussing your future goals and plans is important so they know they always have someone with their best interest in mind. (805) 623-1070 | (805) 540-9539 (cell) jaguilera@sesloc.org | Habla Español NMLS #1845413

From Your SESLOC CEOI’d like to start by saying thank you for your generous support throughout August to help raise funds for Jack’s Helping Hand, a local nonprofit that offers programs for special needs children and their families. Over the last five years, you’ve contributed over $35,000 to help build the Jack Ready Imagination Park, a universally accessible playground where special needs children can play along-side able-bodied children in a safe, sunny environment. It was truly an honor to walk into our branches and see the walls covered with handprints as a display of your support. On the heels of the Capital One data breach in late July, where a hacker accessed the personal information of approximately 106 million credit card customers, we are even more committed to raising awareness for staying safe online. SESLOC maintains strict internal policies and performs ongoing security tests to keep your information secure, but we also provide programs and resources to help protect your accounts. Your Identity Theft Services1 benefit, which is free with HomeFREE Checking™, can help offer protection against threats like these. One of the truly unique and powerful features is dark web monitoring,2 which alerts you if we detect your information on the dark web. It only takes a few minutes to activate your Identity Theft Services features. Be sure to see instructions on the first page of this newsletter and check out other activities we are offering online and in branch during National Cybersecurity Awareness Month in October.In addition to providing services to keep your personal information safe, we’re excited to announce a new program to help keep your personal budgets on track. Every branch now offers the expertise of Money Coaches, who can provide guidance for getting control over your finances, from building emergency savings to reducing debt. Each of our coaches completed a 6-month training program to learn how to assess an individual’s financial health and provide guidance toward achieving financial goals. This program is just another way we embody the credit union philosophy of people helping people. Also new this past quarter are the Quick Approval Business Loans, which help local businesses get the funding they need with express service. We want our community to prosper and thrive, and that includes making credit union funding more streamlined and accessible. If you haven’t already, rediscover the same low fees, competitive rates and uncomplicated pricing for your personal accounts, but now for your business. We appreciate your continued confidence and support and wish you a safe holiday season.

Geri LaChance PRESIDENT / CEO

SESLOC Wealth Management is provided through our relationship with CUSO Financial Services, L.P. (CFS)* an Independent Broker-Dealer and SEC Registered Investment Advisor formed for the express purpose of serving Credit Union members’ investment and financial planning needs.

Q: How long should I hang on to an investment?

A: You’ll want to hang on to an investment as long as it meets your objectives. Is it likely to continue to perform as well as or better than comparable investments? Is it still appropriate for your age, risk tolerance and financial goals? Evaluating your investments once or twice a year will help you make that determination. A common mistake among investors is to hold on to an investment because it has fallen in value, hoping to earn your losses back before moving on. A good rule of thumb is that if you aren’t willing to buy more of that investment at the lower value, it may be time to sell it. A good time to re-evaluate is when changes occur in the management of a mutual fund or company in which you own stock. You generally have no way of predicting what effect new management may have on the value of the securities. If you’re just getting started with investments or even a seasoned pro, get more insight from our next seminar, Investment Basics, offered in Atascadero on November 19. Seating is limited and fills up quickly, so register today at sesloc.org/seminars.

As a SESLOC member, you have access to our knowledgeable CFS* Financial Advisor, Brian Lee. Contact Brian today to book an appointment to discuss your unique financial situation.

ASK A FINANCIAL PLANNER

*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. SESLOC has contracted with CFS to make non-deposit investment products and services available to credit union members. CFS and its representatives do not provide tax advice. For specific tax advice, please consult a qualified tax professional.

Brian Lee (805) 540-7788brian.lee@cusonet.comCA Insurance License: #0C68512

Call for Board Nominations Each spring, SESLOC members select Directors to lead our Credit Union. From October 4, 2019 - November 15, 2019, we are accepting applications for nominations for qualified members who are willing to volunteer as Credit Union directors in a governance capacity for a three-year term.QUALIFICATIONS:t SESLOC primary member t 18+ years of aget Good standing for the last three yearst Demonstrated good character and fiscal responsibility . Not engaged in any business or enterprise which is, or could appear to be, in conflict with the duties of a credit union official, or interfere with independence and impartiality. . May apply each year, including directors whose terms are expiring

HOW TO SUBMIT FOR NOMINATION: Completed applications must be received by Friday, November 15, 2019. Applications are available at each SESLOC branch. Complete and return application to:

SESLOC Federal Credit Union PO Box 5360 San Luis Obispo, CA 93403-5360 ATTN: Nominating Committee

Columbus Day: Monday, October 14

Veterans Day: Monday, November 11

Thanksgiving Day: Thursday, November 28(We will be open the Friday after Thanksgiving)

Christmas Eve: Tuesday, December 24 (Branches close at 2 pm)

Christmas Day: Wednesday, December 25

New Year’s Day: Wednesday, January 1

HOLIDAY CLOSURES

SUPERVISORY COMMITTEEKen SanFilippo, Chair Lee CunninghamDan DeGroot Stacy KolegraffBarry VanderKelen

This publication does not constitute legal, accounting or other professional advice. Although it is intended to be accurate, neither the publisher nor any other party assumes liability for loss or damage due to reliance on this material.

©2019 SESLOC Federal Credit Union.

Savings are federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government. National Credit Union Administration, a U.S. government agency.

SENIOR MANAGEMENTGeri LaChance, President/CEOKelli Fite, COOKen Long, CIO Josh Tucker, CRO Nancy ArnoldSVP, Human Resources & Development Manuel Cervantes SVP, Consumer & Mortgage LoansLiz SummerSVP, Business Services

BOARD OF DIRECTORSDr. Alden Shiers, ChairTom Lebens, Vice ChairAnthony Cangelosi, Board Financial OfficerBarbara Melvin, SecretaryDr. Gary Hoskins, DirectorJacquie Paulsen, DirectorCharlene Rosales, Director

More access than most banksWith a SESLOC debit card, you have access to more than 50 surcharge-free ATMs on the Central Coast, plus 30,000 nationwide.

SESLOC ATMst Each SESLOC brancht At the Laguna Village Shopping Center in San Luis Obispot Inside Spencer’s Fresh Market in Morro Bay and Santa Mariat Inside the San Luis Obispo Regional Airportt On the Cuesta College Campus*

CO-OP ATMst At CoastHills Credit Union and Golden 1 Credit Union locationst At 7-Eleven stores and Costco locations* *These ATMs do not accept deposits.

Find an ATM CALL 1-888-748-3266TEXT An address or zip to 91989 (my coop)*

APP Download the free CO-OP ATM Locator AppWEB Visit co-opatm.org* May be subject to a fee by your wireless provider.

BRANCH LOCATIONSPaso Robles705 Golden Hill RoadMonday – Thursday: 9a.m. – 5p.m.Friday: 9a.m. – 6p.m.

Atascadero8380 El Camino RealMonday – Thursday: 9a.m. – 5p.m.Friday: 9a.m. – 6p.m.

San Luis Obispo3807 Broad StreetMonday – Friday: 9a.m. – 6p.m.Saturday: 9a.m. – 1p.m.

Arroyo Grande1399 East Grand AvenueMonday – Thursday: 9a.m. – 5p.m.Friday: 9a.m. – 6p.m.

Santa Maria2506 South BroadwayMonday – Thursday: 9a.m. – 5p.m.Friday: 9a.m. – 6p.m.

HEADQUARTERS3855 Broad StreetSan Luis Obispo

MAILING ADDRESSP.O. Box 5360San Luis Obispo, CA 93403-5360

PHONE NUMBERSContact Center(805) 543-1816Monday – Friday: 8a.m. – 6p.m.

Voice Phone Teller24-hour account transactions

(805) 543-5624 (888) 4-SESLOC

SESLOCRewards.org (888) 211-1741

Identity Theft Services For eligibility: (805) 543-1816 To file a claim or manage account: (800) 357-6392

Lost or Stolen Cards Credit / Debit / ATMFor calls after business hours(805) 543-1816(909) 941-1398* *Use if calling from outside the United States. This number also accepts collect calls.

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