Bookmark & Share:               409-763-1271 www.htbna.bank August 2019   Meet Steve Owens Audrey Harwood Named Employee of the Year! Pros and Cons of Borrowing Money from Your Retirement Account Tips for Saving Money on Textbooks Congrats to Scott Kusnerik! Crystal Martinez Promoted to Assistant Vice President 4 Ways to Pay Off Your Mortgage Quicker When to Start Saving for the Holidays Alvin Branch Celebrates 12 Years! February 2019 December 2018 October 2018 [MORE] Meet Steve Owens Senior Vice President, Friendswood Bay Area Branch Manager Are you ready for some football? I sure am, and it’s soon approaching. I must proudly admit that I graduated from Dickinson High School where I was once a Gator. Football and band were some of the best times. However, often when you think you’ll never change, you do. After moving to League City, my son went to high school at Clear Falls, and I became a Knight. As you probably guessed, since I’m in Friendswood, I’m now a Mustang! I can’t wait until football and band start up this year, and not to mention, college football! I’m a Fight’n Texas Aggie, Class of ’86, and once an Aggie, always an Aggie…Gig’em! I’m proud to be the newest employee at HomeTown Bank, managing our Friendswood Bay Area location on FM 528 where I’m also the Commercial Lender. I’ve been here for 5 months now, and I have loved every day! The culture is warm from everyone in the Bank. I’m excited about football season, but I’m just as excited about being here, at HomeTown Bank! I appreciate the opportunity this Bank has afforded me, and I appreciate all our customers who have been here, and those who have joined me at HomeTown Bank! Thank you! Go Mustangs, and Gig’em Aggies! Tips for Saving Money on Textbooks Shop smarter when buying college textbooks When you head off to college, you expect to make new friends and have new experiences. Unfortunately, not all new experiences are fun — like paying $300 for a book on biology. Crystal Martinez Promoted to Assistant Vice President Congratulations to Crystal Martinez on her promotion to Assistant Vice President at HomeTown Bank's League City branch. When to Start Saving for the Holidays Strategies for a debt-free holiday season Although summer is in full swing and the holidays seem like they’re a world away, it’s never too early to plan for the holidays. Alvin Branch Celebrates 12 Years! The Alvin branch recently celebrated 12 years this past July and welcomed customers and community friends for lunch and cake! Thank you to all who joined the festivities! Pictured are Chad Dudley, Armando Garza and branch manager Ray Rusk. Audrey Harwood Named Employee of the Year! Audrey Harwood, Real Estate Loan Processor in our League City branch, has been named HomeTown Bank’s Employee of the Year. Pros and Cons of Borrowing Money from Your Retirement Account How to determine whether you should borrow from your retirement savings In desperate financial situations, tapping into your retirement funds may seem like your best or only option to stay afloat. As could be said for any major financial decision, your best approach before pulling the trigger on making a withdrawal from your 401(k) is laying out the various advantages and risks that it presents. Congrats to Scott Kusnerik! Please join us in congratulating Scott Kusnerik, who is celebrating 10 years with HomeTown Bank and who recently received his second Rotary Paul Harris Fellow Award. 4 Ways to Pay Off Your Mortgage Quicker Save thousands by paying off your mortgage early Mortgage payments can be a major drain on your budget. Paying off the minimum amount each month can be helpful in the short term, but the extra interest and duration of the loan can make a significant dent in your long term spending power. Fortunately, there are a few simple ways to pay off your mortgage quicker and finally free your budget. Published by HomeTown Bank Includes copyrighted material of IMakeNews, Inc. and its suppliers. 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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