North Desert5050 N. Desert Blvd., 79912Monday - Thursday:9 a.m. - 5 p.m.Friday: 9 a.m. - 6 p.m.Saturday: 9 a.m. - 1 p.m.• Drive-thruMonday - Friday:7:30 a.m. - 6 p.m.Saturday: 9 a.m. to 1 p.m.

Kenworthy9993 Kenworthy St., 79924Monday - Thursday:9 a.m. - 5 p.m.Friday: 9 a.m. - 6 p.m.Saturday: 9 a.m. - 3 p.m.• Drive-thruMonday - Friday:7:30 a.m. - 6:30 p.m.Saturday: 9 a.m. to 3 p.m.

Lee Treviño1555 N. Lee Treviño Dr., 79936Monday - Thursday:9 a.m. - 5 p.m.Friday: 9 a.m. - 6 p.m.Saturday: 9 a.m. - 3 p.m.• Drive-thruMonday - Friday:7:30 a.m. - 6:30 p.m.Saturday: 9 a.m. to 3 p.m.

Marshall Road1741 Marshall Rd., Fort Bliss,79906Monday - Thursday: 9 a.m. - 5p.m.Friday: 9 a.m. - 5:30 p.m.Saturday: 9 a.m. - 1 p.m.End of month: 8 a.m. - 6 p.m.

WBAMC500 N. Piedras St., Fort Bliss,79920Monday - Friday:8 a.m. - 4 p.m.

East Fort Bliss20727 Constitution Ave. Fort Bliss, 79918Monday - Friday:9:30 a.m. - 5 p.m.Saturday: 10 a.m. - 3 p.m.End of month: 8 a.m. - 6 p.m.• Drive-thruMonday - Friday:9:30 a.m. - 6 p.m.Saturday: 10 a.m. to 3 p.m.

Lohman3791 East Lohman Ave., 88011Monday - Thursday: 9 a.m. - 5 p.m.Friday: 9 a.m. - 6 p.m.Saturday: 9 a.m. - 1 p.m.• Drive-thruMonday - Friday: 7:30 a.m. - 6 p.m.Saturday: 9 a.m. - 1 p.m.

Del Rey3105 Del Rey Blvd., 88012Monday - Thursday: 9 a.m. - 5 p.m.Friday: 9 a.m. - 6 p.m.Saturday: 9 a.m. - 1 p.m.• Drive-thruMonday - Friday: 7:30 a.m. - 6 p.m.Saturday: 9 a.m. to 1 p.m.

Foster300 E Foster Rd., 88055Monday - Thursday: 9 a.m. - 5 p.m.Friday: 9 a.m. - 6 p.m.Saturday: 9 a.m. - 1 p.m.• Drive-thruMonday - Friday: 7:30 a.m. - 6 p.m.Saturday: 9 a.m. to 1 p.m.

Member Service CenterToll free number: 1-800-351-1670El Paso: (915) 562-1172Las Cruces: (575) 526-4401Monday - Friday: 8 a.m. - 6 p.m.Saturday: 9 a.m. - 1 p.m.

Online Bankingwww.firstlightfcu.orgemail: cumail@firstlightfcu.org

PAL Voice Response System:751-1147 or 1-800-362-9076

Routing number312080941

Mailing addressP. O. Box 24901El Paso, TX 79914-9001

P.O. Box 24901 El Paso, TX 79914-9001

El Paso Las Cruces

4 1

Fall/Winter 2014

A FirstLight Federal Credit Union quarterly publication

➤ Page 3

Newly Elected Board Members

Holiday Closings

November 11 - Veterans DayNovember 27 - Thanksgiving DayDecember 25 - Christmas Day

Computer CoreConversion Process

➤ Page 2

Federallyinsuredby NCUA

Community Events

*TM & © 2014 Cartoon Network. Scooby-Doo, Shaggy and all Scooby-Doo marks and images associated with Scooby-Doo, Shaggy are the property of Hanna-Barbera and/or Warner Bros All Rights Reserved.

Nolan Richardson

2014 Sun Bowl Marshal:

• Ft. Bliss – State of the Military: August 6

As a community partner with our military, FirstLight FCU alsohas a strong presence and relationship with Fort Bliss.

FirstLight FCU has been the title sponsor of the El Paso GreaterChamber of Commerce’s State of the Military Address for thepast five years. On August 6, Major General Stephen Twitty gavethe annual address highlighting the major achievement of FortBliss from the past year. We are proud of our history with themilitary and the support we give to events like these at Fort Bliss.

• Las Cruces – Salsa Fest: August 24

Salsa Fest is an event held annually to raise funds for the LasCruces Downtown Partnership, an organization that is in the

process of revitalizing and bringing economic development andemployment to the heart of the Las Cruces area. Salsa Festbrings over 5,000 attendees from around the community to tastesalsa from different vendors and walk-through the historicdistrict. FirstLight FCU has helped support this event from itsstart. This year we had over 50 employees from both the LasCruces and El Paso area volunteer at this event. Our employeeshelped in every aspect of the event, from handling money, toassisting the Salsa Makers that were competing for awards.FirstLight FCU had an amazing workforce who withstood theblazing heat with smiles and eagerness to help.

• El Paso – Battle of I-10

UTEP Athletics and FirstLight FCU have joined forces for thisyear's rivalry series between the Miners and the NM State

Aggies. FirstLight FCU is the official sponsor for the "Battle of I-

10" and will have its name attached to every sport pitting the twoteams together in 2014-15. This year's UTEP-NMSU football gamewas a "White Out" and all fans were encouraged to wear whiteto the game. Fans received their FREE White Out or Battle of I-10t-shirt by opening a checking account at any FirstLight FCUlocation in El Paso in the weeks prior to the big game.

Karl Murphy, President and CEO of FirstLight FCU, takes pride inleading an organization that puts its members and the communityfirst. "FirstLight Federal Credit Union constantly gives back to theEl Paso, Fort Bliss and Las Cruces communities in many ways,"said Karl Murphy. "This year, we are extremely excited to partnerwith UTEP in support of their students, faculty and staff."

UPCOMING EVENTS:• March of Dimes High Heels for High Hopes

in Las Cruces on November 21.

• Scooby-Doo and Shaggy Meet and Greet – OutletShoppes of El Paso. Wednesday, November 26, 3:00-6:00 pm. Must bring your own camera and limit one picture per family.

• 78th Annual FirstLight Federal Credit Union SunBowl Parade.Thursday, November 27, starting at 10:00 am on Montana Ave.

The Outlet ShoppesWednesday, Nov. 26, 3 p.m. - 6 p.m.

Helping You Achieve Financial Success

2

FirstLight Statistics

As of August 31st, FirstLight FederalCredit Union reported the following:

Assets: $850,260,612

Loans: $673,964,204

Deposits: $748,525,859

Members: 114,379

3

We want to take this opportunity tothank you! As many of you know, werecently went through a conversion

of our computer systems which will help bringFirstLight Federal Credit Union to new levelsof quality and service. Our previous systemwas not one that could provide the servicethat we feel our members deserve and it wastime for a change. This has been a longprocess, but we are sure that you will greatlyenjoy the positive impact this conversion willhave on your member experience.

We appreciate your patience during ourconversion process. Even though we regret theinterruption of service, this was necessary inorder to ultimately provide the type of servicethat exceeds our members expectations. Our staff continues to learn and familiarizethemselves with the improved features thatthis new and robust system has to offer toprovide the quality service you expect. Rest assured that we will continue to workhard to assist you with any issues or questions that you might have during this post-conversion period.

As we get close to a new year, we are veryexcited for the changes that will come toFirstLight FCU and how they will help youachieve your financial success! We thank youfor giving us the opportunity to serve you. It is a privilege for us to be your financialpartner and there is nothing that weappreciate more than your membership. If there is anything that we can do to make your experience as a FirstLight FCU member better, please let us know. We are here for you!

Thank you and wishing you best!

Karl MurphyPresident/CEO

Carmen Renée Jimenez was born inEl Paso, Texas on September 15, 1976. As a native El Pasoan, she attended localelementary and high schools and then leftEl Paso, Texas to attend Texas A&MUniversity. Upon graduating with a degreein Bachelor of Environmental Design inMay 2000, she relocated to Phoenix,Arizona, to advance her studies inarchitectural and construction-relatedcourses at Arizona State University. In2004, she became a LEED AP. Sheparticipated and placed first in the U.S.Green Building Council’s First AnnualUSGBC Design Competition held in2003. In 2005, Renée and her familydecided to relocate back to El Pasowhere she accepted a position as projectmanager with MNK Architects, Inc. In2009, she was elevated to principal and in2012, elected President/CEO of MNKArchitects, Inc. Renée is actively involved

in many civic organizations includingGEPCC, USGBC (local and national),Rotary, and AIA.

Jaime Barceleau, a lifelong El Pasoresident, is a Board member, and hasserved on the FLFCU SupervisoryCommittee. Jaime, CEO of the Paso delNorte Children’s Development Center,earned a Master of Science degree at UTAustin. Jaime has over 31 years of militaryservice. He is a lay minister with hischurch, and has served on a number ofnon-profit, civic, and municipal boards.Jaime has earned many civic awardsincluding the 2011 NASW LifetimeAchievement Award for contributions to his community.

Sylvia Duarte was born and raised in El Paso, Texas. She graduated from theUniversity of Texas at El Paso with a

Bachelor Degree of BusinessAdministration. She has been a publicservant for the past seven years with theCounty of El Paso. Sylvia began as theInternal Audit Supervisor at the CountyAuditor’s Office where she gainedvaluable experience about governmentalfiduciary responsibilities, which preparedher for her next endeavor as the ChiefDeputy for the District Clerk in 2011.Through her diverse experience in boththe private and public sector, she valuesand understands the importance ofaccountability and transparency in anorganization, especially when dealing withpublic funds. Sylvia is currently serving onthe Supervisory Committee withFirstLight Federal Credit Union. One ofher biggest and most rewardingaccomplishments is being a wife and amother of four children.

Newly Elected Board Members

You may use your Visa Debit Card toinitiate both Visa debit transactionsand non-Visa debit transactions with-

out using a personal identification number(PIN) to authenticate the transaction.

A Visa debit transaction is initiated when yousign a receipt upon purchase, provide a cardnumber including the 3 digit security code,or swipe your card at the point of sale androute the transaction to Visa by selecting the credit key.

The rights and protections provided by Visa,including additional consumer liability limitsand streamlined error resolution procedures, are only available for the Visa debit transactions.

Non-Visa debit transactions are initiatedthrough the PULSE network when you entera PIN at the point of sale upon purchase. A non-Visa debit transaction may also occurfor certain bill payment transactions or during an e-commerce/mail/telephone

transaction by specifically requesting theagent to route as a non-Visa transaction.The rights and protections provided by Visa as mentioned above do not apply to non-Visa debit transactions.

Please contact FirstLight Federal CreditUnion at 1-800-351-1670 with any questions you may have regarding this notice.Thank you,Card Services Department

Important Annual Notice Regarding Non-Visa® Pinless Debit Transactions

This notice applies only to holders of a Visa Debit Check Card

The FirstLight Federal Credit Union Nominating Committee has selected the following persons for thethree open positions on the Board of Directors for 2015. Under Credit Union bylaws, nominations for theBoard of Directors may also be made by a petition signed by one percent of the members, or a

maximum of 500 members. The deadlines for nominations by petition is December 15, 2014. Interestedpersons should contact Pat Aguilera at 915-562-1172 or 575-526-4401 for more information.

Thank You to Our MembersComputer Core Conversion Process

North Desert5050 N. Desert Blvd., 79912Monday - Thursday:9 a.m. - 5 p.m.Friday: 9 a.m. - 6 p.m.Saturday: 9 a.m. - 1 p.m.• Drive-thruMonday - Friday:7:30 a.m. - 6 p.m.Saturday: 9 a.m. to 1 p.m.

Kenworthy9993 Kenworthy St., 79924Monday - Thursday:9 a.m. - 5 p.m.Friday: 9 a.m. - 6 p.m.Saturday: 9 a.m. - 3 p.m.• Drive-thruMonday - Friday:7:30 a.m. - 6:30 p.m.Saturday: 9 a.m. to 3 p.m.

Lee Treviño1555 N. Lee Treviño Dr., 79936Monday - Thursday:9 a.m. - 5 p.m.Friday: 9 a.m. - 6 p.m.Saturday: 9 a.m. - 3 p.m.• Drive-thruMonday - Friday:7:30 a.m. - 6:30 p.m.Saturday: 9 a.m. to 3 p.m.

Marshall Road1741 Marshall Rd., Fort Bliss,79906Monday - Thursday: 9 a.m. - 5p.m.Friday: 9 a.m. - 5:30 p.m.Saturday: 9 a.m. - 1 p.m.End of month: 8 a.m. - 6 p.m.

WBAMC500 N. Piedras St., Fort Bliss,79920Monday - Friday:8 a.m. - 4 p.m.

East Fort Bliss20727 Constitution Ave. Fort Bliss, 79918Monday - Friday:9:30 a.m. - 5 p.m.Saturday: 10 a.m. - 3 p.m.End of month: 8 a.m. - 6 p.m.• Drive-thruMonday - Friday:9:30 a.m. - 6 p.m.Saturday: 10 a.m. to 3 p.m.

Lohman3791 East Lohman Ave., 88011Monday - Thursday: 9 a.m. - 5 p.m.Friday: 9 a.m. - 6 p.m.Saturday: 9 a.m. - 1 p.m.• Drive-thruMonday - Friday: 7:30 a.m. - 6 p.m.Saturday: 9 a.m. - 1 p.m.

Del Rey3105 Del Rey Blvd., 88012Monday - Thursday: 9 a.m. - 5 p.m.Friday: 9 a.m. - 6 p.m.Saturday: 9 a.m. - 1 p.m.• Drive-thruMonday - Friday: 7:30 a.m. - 6 p.m.Saturday: 9 a.m. to 1 p.m.

Foster300 E Foster Rd., 88055Monday - Thursday: 9 a.m. - 5 p.m.Friday: 9 a.m. - 6 p.m.Saturday: 9 a.m. - 1 p.m.• Drive-thruMonday - Friday: 7:30 a.m. - 6 p.m.Saturday: 9 a.m. to 1 p.m.

Member Service CenterToll free number: 1-800-351-1670El Paso: (915) 562-1172Las Cruces: (575) 526-4401Monday - Friday: 8 a.m. - 6 p.m.Saturday: 9 a.m. - 1 p.m.

Online Bankingwww.firstlightfcu.orgemail: cumail@firstlightfcu.org

PAL Voice Response System:751-1147 or 1-800-362-9076

Routing number312080941

Mailing addressP. O. Box 24901El Paso, TX 79914-9001

P.O. Box 24901 El Paso, TX 79914-9001

El Paso Las Cruces

4 1

Fall/Winter 2014

A FirstLight Federal Credit Union quarterly publication

➤ Page 3

Newly Elected Board Members

Holiday Closings

November 11 - Veterans DayNovember 27 - Thanksgiving DayDecember 25 - Christmas Day

Computer CoreConversion Process

➤ Page 2

Federallyinsuredby NCUA

Community Events

*TM & © 2014 Cartoon Network. Scooby-Doo, Shaggy and all Scooby-Doo marks and images associated with Scooby-Doo, Shaggy are the property of Hanna-Barbera and/or Warner Bros All Rights Reserved.

Nolan Richardson

2014 Sun Bowl Marshal:

• Ft. Bliss – State of the Military: August 6

As a community partner with our military, FirstLight FCU alsohas a strong presence and relationship with Fort Bliss.

FirstLight FCU has been the title sponsor of the El Paso GreaterChamber of Commerce’s State of the Military Address for thepast five years. On August 6, Major General Stephen Twitty gavethe annual address highlighting the major achievement of FortBliss from the past year. We are proud of our history with themilitary and the support we give to events like these at Fort Bliss.

• Las Cruces – Salsa Fest: August 24

Salsa Fest is an event held annually to raise funds for the LasCruces Downtown Partnership, an organization that is in the

process of revitalizing and bringing economic development andemployment to the heart of the Las Cruces area. Salsa Festbrings over 5,000 attendees from around the community to tastesalsa from different vendors and walk-through the historicdistrict. FirstLight FCU has helped support this event from itsstart. This year we had over 50 employees from both the LasCruces and El Paso area volunteer at this event. Our employeeshelped in every aspect of the event, from handling money, toassisting the Salsa Makers that were competing for awards.FirstLight FCU had an amazing workforce who withstood theblazing heat with smiles and eagerness to help.

• El Paso – Battle of I-10

UTEP Athletics and FirstLight FCU have joined forces for thisyear's rivalry series between the Miners and the NM State

Aggies. FirstLight FCU is the official sponsor for the "Battle of I-

10" and will have its name attached to every sport pitting the twoteams together in 2014-15. This year's UTEP-NMSU football gamewas a "White Out" and all fans were encouraged to wear whiteto the game. Fans received their FREE White Out or Battle of I-10t-shirt by opening a checking account at any FirstLight FCUlocation in El Paso in the weeks prior to the big game.

Karl Murphy, President and CEO of FirstLight FCU, takes pride inleading an organization that puts its members and the communityfirst. "FirstLight Federal Credit Union constantly gives back to theEl Paso, Fort Bliss and Las Cruces communities in many ways,"said Karl Murphy. "This year, we are extremely excited to partnerwith UTEP in support of their students, faculty and staff."

UPCOMING EVENTS:• March of Dimes High Heels for High Hopes

in Las Cruces on November 21.

• Scooby-Doo and Shaggy Meet and Greet – OutletShoppes of El Paso. Wednesday, November 26, 3:00-6:00 pm. Must bring your own camera and limit one picture per family.

• 78th Annual FirstLight Federal Credit Union SunBowl Parade.Thursday, November 27, starting at 10:00 am on Montana Ave.

The Outlet ShoppesWednesday, Nov. 26, 3 p.m. - 6 p.m.

Helping You Achieve Financial Success