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HomeTown Bank Newsletter
 409-763-1271 www.htbna.com September 2016
 

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First Bird Out of the Nest
by Scott Kusnerik, Executive Vice President
Scott Kusnerik
Executive Vice President
Fall is just around the corner and the school bells have rung! The streets are now busier during the morning commute as parents rush their children to preschools, elementary schools and high schools.

I recently had a �commute� to San Marcos for College! This year marks my daughter�s first one as a student at Texas State University.  After all the fun of her senior year at Ball High School in Galveston last year, moving her, my first child, to college involved many emotions. As I pushed the cart loaded with my daughter�s belongings up a four-story hill to her new home for the next four years, there was sadness, stress, anxiety, fear and love.   Sadness- knowing that you will only see her periodically from now on, and she is no longer a part of your everyday life.  Stress- which comes from dealing with �Move In Day� at the Dorm and thinking, �Do we have enough time? Do we have everything we need? Will we be able to find our way around the campus?�  Then, anxiety and fear- �Will she be okay?  Will she make good grades? Will she get along with her roommates and make new friends?� And finally, Love- the first child is always special and now my Baby Girl is not a baby anymore, and she is moving on to another stage in her life, and one that I have little control over. 

Here at HomeTown Bank, we know that you too may become nervous when making your banking decisions. Emotions arise and you may feel like financial security is an uphill push or wonder how much control you truly have if the future is unknown.  Our team of dedicated, community bankers is always ready and willing to support you on the account level with our many deposit and savings options or even with a loan- when times can be tough as well as in the good times when your business or �nest� is expanding, for instance.  And we are only a local phone call away!

I am going to miss my daughter�s daily smiles, her laughs, her unique personality, her relationship with her brother, who is now our �only� child at home.  But there came a time where we needed to let go as she left the nest and started to fly. I know now that I only have three more years with my son and plan to take full advantage of that time because it will be gone before I know it!

In the meantime, my daily routine as a community banker always keeps me happily busy, serving how I can and who I can for HomeTown Bank. I take pride in the quality of service that our team delivers and always look forward to this time of year when the weather is a bit cooler and Longhorn football begins. But what I�m looking forward to most, of course, is Thanksgiving- when college students typically visit the nest!
Happy Birthday, Alvin Branch!

The Alvin Branch recently celebrated its 9th birthday with the community. Pictured are Chad Dudley, Diana Ramos, and Ray Rusk. Click here for more pictures!
Join Our Team! We're Hiring!
HomeTown Bank is a truly rewarding place to work and we are currently hiring! Check out our openings here: http://www.htbna.com/careers.php
A �Wish Comes True� at Harbourview Care Center in League City

First row (left to right): Irene Farmilette, Mary Hawkins, Jonie Sowl, and Cheryl Walker
Back row (left to right): Bill Provenzano (League City Branch Manager), Harbourview Care Center Administrator Marvena Miner, President & CEO Jimmy Rasmussen, and Marie Utley.
Tracking and Cutting Down on Your Grocery Bill
Simple tips can help you save big

There are many bills you can�t easily control, but your food bill isn�t one of them. Here are a few ways to help track and cut costs.
Is It Time to Start Planning for the Holidays?
It�s never too early to get prepared!

Between the in-laws coming to town and figuring out where your 47 cousins are going to sit at the dinner table, there is enough to stress about during the holidays � money doesn�t need to be one of them.
Published by HomeTown Bank
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Disclaimer - All content contained in this newsletter is for informational purposes only and should not be relied upon to make any financial, accounting, tax, legal or other related decisions. Each person must consider his or her objectives, risk tolerances and level of comfort when making financial decisions and should consult a competent professional advisor prior to making any such decisions. Any opinions expressed through the content in this newsletter are the opinions of the particular author only.

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