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HomeTown Bank Newsletter
 409-763-1271 October 2016

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HTB�s United Way Campaign Kick-Off!
by Stephany Cantu, Vice President
�I slept and dreamt that life was joy.  I awoke and saw that life was service.  I acted and behold, service was joy.�- Rabindranath Tagore

This quote was given to me just before the United Way Kickoff Luncheon.  It resonates with me as I think of how helping and serving our communities brings so much joy.  As a supporter of United Way, HomeTown Bank and its employees look forward to fall as we begin our fundraising campaign.

We have an absolutely great team of employees that contribute to the United Way.  One of the unique ways that we raise money, here at HomeTown Bank, is by giving our employees the option to participate in �theme days� with costumes, games, and contests.

Our campaign this year will be the week of October 31st through November 4th.  What will you see at HTB?  Lots of festive fun!   Will you be lucky enough to be in the presence of a �Princess� when you visit one of our branch locations?  Will a �Pirate� accept your deposit? Come and join the fun as we act on our service and spread a little joy!

And as we always say during this time of year: �Pardon our wear as we are giving our share!��for United Way!

Stephany Cantu
Vice President
Chair- HomeTown Bank�s United Way Committee
Fixed-Rate Versus Adjustable-Rate Mortgages
Acquire the loan agreement that is right for you

When shopping for the best mortgage, knowing the facts will help consumers obtain the right deal for their particular situation. A great place to start is by gaining an understanding of the differences between a fixed-rate and an adjustable-rate mortgage.
Teaching Kids to Be Money-Smart
The money lessons your children should know

When raising your children, it�s only natural to want to do right by them. And one way to do that is to teach them essential life skills, like being financially savvy. In fact, many adults run into financial troubles simply because they weren�t given any lessons on finances at a young age.
Welcome, Lauren Zahniser!

Assistant Vice President Lauren Zahniser manages teller and new account services at the Pearland branch.
Congratulations, Dana Escamilla

Congratulations, Dana Escamilla - Promoted to Assistant Vice President
Happy Anniversary, Ray Rusk!

Senior Vice President and Branch Manager Ray Rusk celebrates 10 Years with HomeTown Bank of Alvin!
HomeTown Bank Staff races The Daily News� Press Run!

Ashley Trevino, Jacklyn Black, Audrey Harwood, Jill Fredo, Elise Worthen, and Racheal Espinosa braved the rain at the annual Daily News Press Run over the Galveston Causeway on September 12th. HomeTown Bank was a proud sponsor of this event which raised money for Newspapers in Education.

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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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