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A W O R D FROM THE CEO 2 | WINTER 2021 President & Chief Executive Offi cer Gail K. Enda Senior Vice President, Member Experience Lori Hall Vice President, Marketing & Business Development Lori Reeves Marketing Communications Manager Todd Camp Ready for a fresh start 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 Joseph Guinto, Brian Keagy, Mark Henricks, Bridget McCrea, Jordan Rane, Haley Shapley Intern Lucas Arebalo EDITORIAL OFFICES 2201 Long Prairie Road Suite 107-840 Flower Mound, TX 75022 editor@pathcreative.net ™ is published by Path Creative, LLC ©2021. 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. With the arrival of the new year, many of us are saying good riddance to 2020. I believe we all have high hopes and expectations for 2021, so perhaps our resolutions for this year have a different meaning or a greater sense of urgency than in years past. For many, 2020 dealt unimaginable personal and fi nancial setbacks. For others, it meant putting dreams on hold — no big family gatherings, no bucket-list vacation. In my nearly 20 years of working for American Airlines Federal Credit Union, I've repeatedly witnessed the resilience of our members when faced with challenges. That fortitude assures me that this time will be no different — you'll come back stronger than ever. And all of us here at the Credit Union remain committed to you, to stand by your side as you launch your next chapter. But beyond putting 2020 in the rearview mirror, 2021 is also special year for the Credit Union. In May, we'll celebrate our 85th anniversary. When our founders fi rst gathered in 1936, the goal of this fl edgling fi nancial institution was clear: Caring for our members. And despite more than eight decades of change, both good and otherwise, that mission has remained consistent. That also includes keeping our members informed, so you'll fi nd plenty of helpful information in this online edition of ™, including focusing on goals for the new year (Page 6); regaining a work-life balance (Page 10); growing professionally, fi nancially and spiritually in 2021 (Page 12); getting back to basics with life skills (Page 16), avoiding peer-to-peer fraud (Page 48) and much more. I think our best days are ahead of us and no matter what 2021 may bring, we're stronger and better off facing it together. All the best, Gail Enda President & CEO