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HomeTown Bank Newsletter
 409-763-1271www.htbna.bankJune 2018

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Opening Letter
by Angela Brooks
Senior Vice President

There has been some “buzz” around local banks lately about the newly instated Beneficial Ownership Law. The following is helpful information for our business customers to understand. FinCEN is a bureau of the U.S. Department of the Treasury whose mission is to safeguard the financial system from illicit use and combat money laundering. FinCen‘s New Beneficial Ownership disclosure rule was first proposed four years ago, and the final rule went into effect with mandatory compliance on May 11, 2018. This rule is to help the government fight financial crime. Federal regulation requires certain financial institutions, credit unions, mutual funds, brokers, and dealers in securities to obtain, verify, and record information about the beneficial owners that own 25% or more of a legal entity.

How to Find That Perfect Summer Job
Avoid the dreaded summertime blues with these job hunting tips

Many students and young adults consider summer to be a time for rest and relaxation. However, numerous young professionals in high school, college and beyond recognize the opportunities available during the summer months. If you’re looking for a seasonal career opportunity this year, consider the following tips to help you find that perfect summer job.
6 Ways to Improve Your Credit Score
Practical steps to enhance the health of your finances

Having a healthy credit score is necessary if you wish to apply for loans to help finance big-ticket expenses such as a house or a higher education. If your credit score needs a boost, don’t despair. Here are six practical strategies to increase it.
Congratulations to Kathy McClure and Chad Dudley
Celebrating 10-Year Anniversaries at HomeTown Bank!

Please join us in congratulating Kathy McClure and Chad Dudley, who are celebrating their 10th anniversary as members of the HomeTown Team.
HomeTown Bank of Pearland is a proud supporter of Pearland High School Oiler Football

Pictured is Branch Manager and Senior Vice President Sean Murphy (right) with Brad Crain at the recent golf tournament fundraiser for the Pearland Touchdown Club held at Golfcrest Country Club.
Basic Investing for Beginners
Get started investing with these basics and tips

Investing money is a vast, complicated ordeal that requires substantial knowledge and practice, whether you’re intending to buy and sell stock, build and rent out office space or invest in a retirement savings program. Because of this complexity, taking your first steps on the road to successful investing can seem daunting; however, every hopeful investor can benefit from understanding these basic ideas.
Why Life Insurance is Important
Make sure your family has a secure future after you’ve passed on

Life insurance can be a difficult thing to talk about. Considering that it is less about you and more about the people and responsibilities you will leave behind when you die, not to mention the morbidity of the discussion in general, it is an easy topic to want to ignore or put off for another day. However, having your affairs in order is incredibly important no matter your age, and a big part of that puzzle is having life insurance.
Melissa Martinez Named Employee of the Year!

Melissa Martinez, HomeTown Bank Special Projects Coordinator, has been named our Employee of the Year.
Community Banking at its Best!
Congratulations to the Alvin branch - voted Best Bank by the readers of the Alvin Sun and Advertiser!

Pictured from left to right are: (front row) Rebecca Sliter, Christina Huerta, Debra Dunn and (back row) Brenda Kivch, Branch Manager and Senior Vice President Ray Rusk, Vice President Chad Dudley, and Assistant Vice President Armando Garza.
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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