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ON THE MARKNuMark Credit Union NewsFALL 2024IN THIS ISSUEFREE SEMINAR -MORTGAGE REFINANCEEASING THE STRESS OFHOLIDAY SPENDINGCU KIND DAY - DOING GOOD FEELS GOODLLOYD FREDENDALL ANNOUNCES HISRETIREMENT FROM NUMARK CREDIT UNIONPROTECT YOUR CAR,PROTECT YOUR FINANCESNuMark Credit Union announcedrecently the retirement of itsPresident and CEO, LloydFredendall. The credit union issad to see him go but wisheshim the best in this next chapterof his life. His retirement will beeffective March 31, 2025.Fredendall has been a part of thecredit union movement for over30 years. He became Presidentand CEO of the credit union after NuMark merged with NorthStar Credit Union (NorthStar) in 2021, taking over for previous CEO, Ann Dubie, after her retirement.“When I started in my current role way back in 1991 at what was then theNaperTech Federal Credit Union, I honestly figured that I would be herefor 2 to 3 years, but as we grew and sharpened our focus on our coremission of serving our members, we quickly became a family.” saidFredendall about his time working at credit unions. “It was around then that I knew I found a place for life. I always believed in our mission and enjoyed working towards those member-oriented goals with an awesome group of people who live and breathe the idea of people helping people.”- Article continues on the next pageNUMARK NEWSNATIONAL WREATHS ACROSS AMERICA DAY 2024

With winter not far away, there’s more than just the holidays to be worriedabout. While the season can be beautiful, the weather can wreak havoc onyour car and rack up a huge bill to fix the damage. To save yourself a headache(and money), there’s a few things you can do ahead of time to prepare yourcar for winter.Protect Your TiresThe first thing to do is check your tire quality and air pressure. It’s importantto ensure you have at least 4/32-inch tread depth for colder weather. Checkyour tire pressure as well, as weather changes can cause it to drop, wearingyour tires down quicker and putting you at a higher risk of a blowout.It’s also worth getting yourself a set of winter tires. Even if you have AWD tires, in the winter the tread can become hard as a rock, which doesn’t help you avoid sliding. Winter tires are built specifically to provide better grip on the road.Check Your FluidsWith winter comes freezing temperatures, which can mean that the fluid levels in your car could be at risk, and therefore the health of your vehicle. It’s a good idea that before the temperatures get to their freezing points, you check the coolant, brake, power steering, and windshield wiper fluids. It’s especially important with your coolant, as it controls the heat in your car, which you’ll need to defrost your windshield for visibility.Expect the UnexpectedEven if you’ve checked all your fluids, checked your tires and the air pressure, anything can happen. That’s why it’s a great idea to put together a “Winter Emergency Kit,” to keep in your car that contains the following: basic first-aid kit, jumper cables, flashlight, brush and scraper, blanket, extra gloves and hat, and small shovel. These will come in handy if you find yourself in a roadside emergency in the winter.Winter has a lot of things to look forward to – hot apple cider, holidays spent with the family, and fun parties to end the year with a bang. However, the weather can cause a lot of damage to your car if you aren’t properly prepared. Save yourself the hassle and make sure that your car is ready for winter before those freezing temperatures really hit.If you’re still on the hunt for a new vehicle to last you through the winter, or you know that this might be your car’s lastwinter with you, rest assured that there are a variety of loan options at NuMark for you to get the car you want at a pricethat your budget can manage. Visit us at numarkcu.org or give us a call at 815-729-3211.After graduating from Northern Illinois University in 1983, Fredendall went on to work for a variety of organizations within the financial industry, including the Federal Home Loan Bank and Illinois Department of Financial Institutions (Credit Union Division). When he became CEO of NorthStar in 1991 — then called NaperTech FCU – the credit union was operating out of a single-leased office space and only had $16M in assets. By the time of the merger with NuMark and NorthStar, NorthStar had grown to four branch locations and over $200M in assets under Fredendall’s leadership.NuMark is now proud to have 13 locations throughout the South suburbs of Chicago and has over $824M in assets. Thecredit union offers a full menu of services and products and serves over 60,000 members throughout the Southwest Chicago and Northwest Indiana area.“I will of course miss the many Board members, Team members, and Credit Union members alike that I have befriended over the years,” added Fredendall. “However, I take great solace in knowing that our staff and members will be in the very capable hands of Michelle Balog who will soon be taking over the reins. On top of that, in my opinion Michelle is supported by one of, if not the best teams in the credit union industry.”NuMark is incredibly grateful for the incredible leadership during Fredendall’s tenure with the organization. The credit union is determined to continue exemplifying Fredendall’s passion for the credit union movement and supporting the surrounding communities through financial assistance and community outreach.PROTECT YOUR CAR, PROTECT YOUR FINANCES- Cover Article (Continued)

Fall is officially here, which means that the holiday seasonis right around the corner. While the holidays are a greattime of the year to spend amongst family and friends, itcan also be stressful financially when you’re wanting tobuy presents for your loved ones but are on a tighter budget.It doesn’t have to be stressful, though! There are plenty ofways for you to get your holiday shopping done withoutworrying that you’re going to blow your budget. Plan Ahead and BudgetIt can be stressful, but there’s never a bad time to startplanning for your holiday expenses. If you already have a list of items you want to buy for friends and family, start looking at prices now so you can get an idea of how much you’ll be spending.Some other expenses you might want to plan for are potential travel, the cost of sending out holiday cards, and anydonations you might want to make during this Season of Giving. If you’re able to look back on bills from previous yearsaround the holidays, that can be a huge help with figuring out an estimate. Once you have a general estimate of how much you’ll potentially be spending, you can start really planning for the holidays and adjusting your budget to account for theadditional expenses.Make Your Two ListsIt’s understandable that around this time, you want to be able to give gifts to everyone in your life – but that’s unfortunately not realistic. It’s a good rule of thumb that if you find yourself wanting to buy gifts for more than five people outside of your immediate family, you should probably start cutting it down.Picking 3-5 friends outside your immediate family to purchase for is a helpful tactic for keeping down your gift bill. It doesn’t mean that you can’t give to other friends and people in your life, either! For those that you decide not to buy for, you can still spread some holiday season joy with some homemade gifts like holiday cookies or sending them a holiday card!It’s Okay to Say NoWith the excitement of holidays comes the expectations of donations and invites to celebrations. Keep in mind that it’s okayto say no every now and then.You can’t donate to every charity and cause that’s asking for help during the holidays. Keep in mind that you’re not the only one being asked to help. It’s better to pick out a few organizations that mean a lot to you to send a donation to during theholidays. Your support also doesn’t have to be monetary, either! Plenty of food banks, soup kitchens, and other kinds ofcharities need additional help during the holiday season to assist in organizing donations. Look into potential volunteeropportunities instead to donate your time – that way you’re still helping out without affecting your budget.The same goes for parties. While it’s easy to feel the pressure to say yes to every single invitation, you really don’t have to. Parties can be costly, especially if you bring a gift for each host and are potentially buying new clothes as well. Similar todonating, pick out a few parties to actually attend throughout the season. For the ones you say no to, you can always send them a holiday card to show them you appreciated the thought.As much fun as the holidays are meant to be, the financial strain can get in the way of that joy for a lot of people. There are a lot of different ways to prepare for the additional expenses, including making homemade gifts, volunteering your time at local charities, and having an account used strictly for holiday expenses, like NuMark’s Christmas Club account. Remember that this season is for spending time with those who mean the most to you, and that gifts and material things come second. If you do need help with your holiday finances, remember to use NuMark as a resource! Visit us at numarkcu.org or give us a call at 815-729-3211.EASING THE STRESS OF HOLIDAY SPENDING

Throughout the year, NuMark Credit Union accepts donations for Wreaths Across America to help sponsor wreaths at Abraham Lincoln National Cemetery. Stop by your nearest NuMark branch to donate. For everynew Veteran/Active Military Account opened throughout the year, $10 is donated to Wreaths Across America. With your help over the last fourteen years, NuMark has raised over $44,387 for Wreaths Across America and sponsored 4,587 wreaths!We encourage you and your family to join in the Wreath-Laying Event at Abraham Lincoln National Cemetery that will be held at 11AM on December 14th. If you would like to register to volunteer, click here to learn more.NATIONAL WREATHS ACROSS AMERICA DAY -DECEMBER 14, 2024Each December on National Wreaths Across America Day, volunteers coordinate wreath-laying ceremoniesat Arlington National Cemetery, as well as more than 2,500 additional national cemeteries in all 50 U.S. states, at sea and abroad. Their mission is to remember the fallen, honor those who have served and teach the value of freedom to our children.“The Wreaths Across America wreath laying is reallya celebration of life,” says Wreaths Across AmericaCorporate Development/Community Relations, Bre Kingsbury. “That one wreath symbolizes one family.One family that was able to smile because of thegenerous donations.”

WHERE YOU ARE FAMILYCU KIND DAY - DOING GOOD FEELS GOOD!Our volunteers will be helping these amazing organizations with different tasks throughout the day to lighten their loads and lend a helping hand. See below to learn more about these much deserving organizations.The Bridge Teen Center is an innovative grassroots nonprofit community center that was designed around theinterests and needs of teens in the suburbs. They opened in 2010, and have served over 13,000 different teens and families from 128 Chicago Southland and Northwest Indiana communities.For 35 years, DuPage Pads has been providing year-round programs to feed and shelter individuals and families who are homeless. They also connect those in need to case management and other services.Through monetary and food donations, the St. Patrick Church supports a Food Pantry that is open on the third Wednesday of the month at 9:00am. It is run by a few dedicated volunteers to help fill in the gap for those in need in their local community.NuMark will again be participating in the Illinois Credit Union League’s 4th annual CU Kind Day on Monday, October 14th! This is a day where Illinois credit unions roll up their sleeves and give back to the communities they serve.This year, NuMark staff, family and friends will bevolunteering in-person at The Bridge Teen Center(Orland Park, IL), DuPage Pads (Downers Grove, IL)and the St. Patrick Church Food Pantry (Amboy, IL).

WHERE YOU ARE FAMILYContact UsSr. Editors: The NuMark Marketing Dept.Ask@numarkcu.orgVisit numarkcu.org for branch locations and hours. NUMARK NEWS NuMark in the Community! See all of the fun things we have been doing in the communities we serve!Federally Insured by NCUA.END OF YEAR HOLIDAY CLOSINGSFederal Holiday - Monday, October 14thVeterans Day - Monday, November 11thThanksgiving - Thursday, November 28thChristmas Eve - Tuesday, December 24th (Open until 12:00 PM)Christmas Day - Wednesday, December 25thNew Year’s Eve - Tuesday, December 31st (Open until 12:00 PM)New Year’s Day - Wednesday, January 1stWhen our NuMark branches are closed, you can alwaysmanage your account, and find local ATMs through our appor online at numarkcu.org.Happy holidays from your NuMark family!We hope you enjoy your time spent with family and friends.