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A W O R D FROM THE CEO 2 | WINTER 2019 As we begin a new year, many of us are in a goal-setting mode, creating a personal blueprint for our future. For me personally, I could not be more proud to begin serving as American Airlines Federal Credit Union's new President and CEO. It's an amazing honor to lead this organization that's so passionate about our purpose and focused on our members and each other. We have a lot of exciting changes in store for 2019, including a complete website redesign in the second quarter and some behind- the-scenes changes for our debit card processing in the third quarter. Also, construction is underway on our new headquarters — as part of the One Campus, One Team American Airlines initiative — with a targeted completion in the fourth quarter. For you, our members, the new year is a chance to draw your own fi nancial blueprint. Our resolution is to help every member achieve fi nancial wellness by providing helpful services such fi nancial check-ups, credit monitoring, educational seminars and products designed to get you on the right fi nancial track. As with every issue of ® , there's lots of great material here, including things that impact your credit score (Page 4), good habits for budgeting (Page 9), goals for fi nancial wellness (Page 16) and much more. And you can rest assured that despite all of the changes the new year may bring, what isn't changing is the Credit Union's dedication to serving as an advocate for all of our members and helping them improve their fi nancial well- being. I look forward to all of us building a bright future together. All the best, Gail Enda President & CEO President & Chief Executive Offi cer Gail K. Enda Senior Vice President, Marketing and Operations Lori Hall Vice President, Marketing & Business Development Lori Reeves Marketing Communications Manager Todd Camp Draw your fi nancial blueprint PUBLISHED BY Path Creative, LLC Creative Director J.R. Arebalo Jr. Editorial Director Jennifer Robertson Norris Account Director KariAnne Skinner Hendricks Operations Director Jennifer Arebalo Contributing Writers Brian Keagy, Mark Henricks, Gina Mayfi eld, Bridget McCrea Jordan Rane, Tamekia Reece, Haley Shapley EDITORIAL OFFICES 2201 Long Prairie Road Suite 107-840 Flower Mound, TX 75022 editor@pathdesigngroup.com ® is published by Path Creative, LLC ©2019. All rights reserved. No part of this magazine may be reprinted or otherwise duplicated without the written permission of the editor and American Airlines Federal Credit Union. American Airlines Credit Union and CAARS are registered trademarks of American Airlines, Inc. This publication may provide links or references to internet sites as a convenience to our readers. While American Airlines Credit Union endeavors to provide resources that are reputable and safe, we are not responsible for the information, products or services obtained on such sites and are not liable for any damages arising from your access to such sites. The content, accuracy and opinions expressed and the links provided by these resources are not monitored or endorsed by American Airlines Credit Union. These articles are for general information purposes only. American Airlines Credit Union urges its members to do independent research and to consult with fi nancial and legal professionals before making fi nancial decisions. The opinions expressed by the authors do not necessarily refl ect the opinions and views of American Airlines Credit Union, nor does the inclusion of the articles in this magazine constitute endorsements by the authors or American Airlines Credit Union of any of the products advertised therein. ® and cent$ ® : it all adds up are registered trademarks of American Airlines Federal Credit Union. American Airlines Credit Union and the Flight Symbol are marks of American Airlines, Inc. Editor's Note: For more on Gail Enda, see Page 10.