OWNERSCOUNT

A publication for the members of Hawaii Community Federal Credit Union.

In This Issue:• Service Awards …………… Pg. 2

• 2016 Board of Directors Announcement …………… Pg. 2

• Aloha Lakme ……………… Pg. 3

• New Executive Team Members …………… Pg. 3

• 2016 College Scholarships $18,500 in Scholarships awarded …………………… Pg. 4

• Student Choice Lending Solutions …………………… Pg. 4

• Our Keiki Are Strong Savers! ……………… Pg. 5

• Coming Soon VISA Card Upgrades ………… Pg. 6

Holiday Schedule:Offices closed on the following dates:

• Independence Day | Mon. 7/4

• Employee Training Day | Fri. 8/19

• Labor Day | Mon. 9/5

• Columbus Day | Mon. 10/10

• Veterans’ Day | Fri. 11/11

• Thanksgiving Day | Thur. 11/24

• Christmas Day (observed) | Mon. 12/26

Community Calendar:• Relay for Life

of Kona Saturday, July 9 Old Airport Park Stop by our tent and make a donation!

• Kako`o I Na Keiki - Back to School Supply Drive July 1 - 23 Collection site at all branches. Stop by and make a school supply donation.

2016

Congratulations to Crystal Williams for being named Hawaii Community Federal Credit Union’s Employee of the Year for 2015!

Crystal has been serving our members for three years and was commended for her exemplary and outstanding service and support to her fellow coworkers. She was described as exhibiting the qualities and competencies that support accountability, integrity, teamwork and a commitment to service excellence. Crystal started as a Teller Clerk at the Kohala Branch and 2 years later was promoted to a Branch Support Services Specialist. This year she was promoted to a Loan Officer. As a young and up and coming credit union professional, she was recently nominated and accepted into the Credit Union National Association’s Crashers program. Crystal is also an active volunteer in a variety of school, sports and community events.

Mahalo for all of your contributions to the Credit Union and our members.

The Sheraton Kona Resort & Spa at Keauhou Bay provided an enjoyable setting for our annual business meeting and luncheon. Over 350 members joined together on Saturday, April 30, 2016 for our business session and a luncheon featuring an all-you-can eat buffet, a variety of entertainment and the ever popular cash prizes, while commemorating staff achievements. Governor Ige joined us in celebration and was able to share how being a credit union member can help positively shape your life, truly making ownership count.

We look forward to celebrating our 80th Annual Membership Meeting & Luncheon with you next year. See you there!

2015 EMPLOYEE OF THE YEAR: CRYSTAL WILLIAMS

July

Crystal Williams

79TH ANNUAL MEMBERSHIP MEETING & LUNCHEON

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ON BOARD: 2016 BOARD OF DIRECTORS ANNOUNCEMENT

SERVICE AWARDS

This year we celebrated 185 years of service, by 14 employees and 2 volunteers, at the Annual Membership Meeting & Luncheon. Mahalo to our staff for all their hard work and commitment to our members.

Hawaii Community Federal Credit Union is pleased to announce three members nominated and appointed to the nine-member board of directors. Peggy Ciriako, Tournament Director at Kona County Club, was appointed for another full term. Mary Katayama, President of Union Products of Kona, Inc., was also appointed for another full term. Lloyd Tanaka, Kona and South Kona Clinic Manager and Interim Director of Clinic Operations for Kaiser’s Neighbor Island Clinics was appointed to fill a vacancy on the board.

The Board officers are Dwight Manago as chairman, Daryl Kurozawa as vice chairman, Chrystal Yamasaki as secretary, and Tom Griffiths as treasurer. Also serving on the Board are Carol Ikeda and Marilyn Koschella.

Board members serve three-year terms on a voluntary basis. They are responsible for providing direction to staff to meet members’ financial needs, as well as maintaining the sound fiscal condition of the credit union.

Photo Description (L to R): Toni Claire Haanio, Jay Cabico Jr., Dean Uemura, Sue Miskowic, Kristen Beaudet, Sheena Ancheta, Elnora Regpala, Melody Carvalho, Lia Shim, Andrea Hori. Not Pictured: Priscilla Yokota, Kristy Akao, Adriana Cantiberos, Desiree Clifford.

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Mary Katayama Director

Lloyd Tanaka Director

Peggy CiriakoDirector

STAFF SERVICE AWARDS35 YEARSToni Claire Haanio, Senior Operations Officer

30 YEARSDean Uemura, EVP Support Services

15 YEARSAndrea Hori, Senior Teller

10 YEARSSheena Ancheta, Member Services SpecialistKristen Beaudet, Training Coordinator

10 YEARS (CONTINUED)Jose Cabico Jr., Senior Mortgage Loan Processor Melody Carvalho, Call Center OfficerSue Miskowic, Administrative SpecialistElnora Regpala, Loan ProcessorLia Shim, Compliance CoordinatorPriscilla Yokota, ACH/EFT Clerk

5 YEARSKristy Akao, Youth Services CoordinatorAdriana Cantiberos, Call Center RepresentativeDesiree Clifford, Loan Officer

VOLUNTEER SERVICE AWARDS5 YEARSDwight Manago, Board Chair Daryl Kurozawa, Vice Chair

NEW EXECUTIVE TEAM MEMBERS:

Hawaii Community Federal Credit Union is proud to welcome two new members to the executive management team.

After 11 years of service, Lakme Nishie has retired from Hawaii Community Federal Credit Union. She was hired in 2005 as the Kohala Branch Manager and in 2015 was promoted to Branch Manager/Assistant Vice President. Lakme was a graduate of the Western CUNA Management School program and oversaw the renovation of the Kohala branch that brought improved service access and delivery to the Kohala members. Lakme’s knowledge, expertise, loyalty and dedication was an invaluable asset to the Credit Union and she will be missed by staff and members. We wish Lakme all the best in her retirement.

Mahalo and congratulations.

Ryan McGrady Vice President of Operations

Ryan will be responsible for the overall supervision, direction, and evaluation of all operations of the Credit Union’s branches and call center, as well as all internal product and service delivery channels.

Ryan previously served as the Branch Manager at Yolo Federal Credit Union in Sacramento, California and was later promoted to the Director of Branch Operations. “Ryan’s experience in operations and management made him the ideal candidate for this important role within our Credit Union,” said Mel Ventura, Executive Vice President of Member Services.

Ryan received a Bachelor’s Degree in Philosophy from the University of California – Santa Cruz in 2007 and a Masters of Business Administration degree from California State University- Monterey Bay in 2013. He also was an active volunteer with the Meals on Wheels Elderly Nutrition Program in Woodland, California.

Tad Matsubara Controller

Tad will oversee the Credit Union’s accounting functions, internal audits, and the daily operations of the finance department, as well as coordinating the company’s financial planning, debt financing and budget management functions.

“I am grateful to be a part of the Hawaii Community Federal Credit Union team and I will work towards future sustainability and growth for the Credit Union and its member/owners,” said Matsubara. As a certified public accountant and member of the American Institute of Certified Public Accountants, Matsubara brings eight years of accounting experience having

previously worked with Daren Katayama CPA LLC as a tax accountant, at Kwock & Company CPAs as an auditor, and as an accounting specialist for Central Pacific Home Loans.

Matsubara graduated from Konawaena High School in 2002 and received a Bachelors in Business Administration in Accounting from the University of Hawaii at Manoa in 2007. He also received a Master’s in Business Administration with a focus in Accounting from Chaminade University of Honolulu in 2010.

Deposit on the go! Snap. Send. Deposit. Deposit checks while on the go with Mobile Check Deposit on your smart phone.

Visit hicommfcu.com/mobile for more details.

COMING SOON: Membership Online!

We’re constantly trying to find new ways to provide service and

convenience to our members. Soon you will be able to open a

new account or add to an existing account online at

hicommfcu.com.

ALOHA LAKME

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2016 marks Hawaii Community Federal Credit Union’s 30th year of scholarship awards. Scholarship funds were awarded to 8 recipients chosen out of a field of 195 applications from 15 high schools on the Island of Hawaii. Congratulations and best wishes to our college-bound recipients.

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2016 SCHOLARSHIP RECIPIENTS$18,500 IN SCHOLARSHIP FUNDS AWARDED

STUDENT CHOICE LENDING SOLUTIONS

Student loans designed with YOU in mind!We offer an alternative student loan program, Credit Union Student Choice, that helps students fill the funding gaps that federal aid can leave

behind. As the cost of both public and private colleges and universities continues to increase, federal funding has not kept up. This growing gap

between what college costs and the financial aid available is causing many families to resort to higher cost loans to pay for higher education.

For more details, visit our educational loan webpage at

www.hicommfcu.com/accounts/loan-and-credit/educational-loan

Our Student Loans Offer:• Significantly lower rates• No origination fees• Flexible repayment terms

• An easy online and phone application!

Prior to Applying for a Credit Union Student Choice Loan, be sure to...• Fill out a Free Application for Federal Student Aid (FAFSA)• Apply for scholarships - you never know how many you may be eligible for• Take the maximum amount of Federal Stafford Loans

• Know which college you are going to attend

John Y. Iwane Scholarship

Luigi RemoKealakehe High School

Frank Ishii Scholarship

Lauren VillafuertaHonokaa High School

Peter T. Hirata Scholarship

Honu Tea O Te Rai Akau-NguyenHawaii Preparatory Academy

Mitsugi Inaba Scholarship

Daylen Calicdan Kamehameha Schools Hawaii

Albert Akana ScholarshipAbcde Matias

Waiakea High School

Michael Asam Scholarship

Brianna HalliwellKonawaena High School

Katsumasa Tomita Scholarship

Jonathan UhlmannSt. Joseph High School

Student Credit Union Scholarship

Yuki ZbytovskyKohala High School

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Our Keiki Are Strong Savers!

Our Strong Savers Won Big!

This past April we celebrated National Credit Union Youth Month™ by getting credit union strong with our savers. Our keiki members were encouraged to save as much as they can and get strong! Throughout the month we celebrated with fun activities at our branches. This year our savers deposited over $760,000 and conducted nearly 4,400 transactions – what a great start for our keiki to discover the power of saving early at Hawaii Community Federal Credit Union!

Archer SakataRadio Flyer 4-in-1 TrikeRaina Fukunaga

Leapfrog LeapPad3 Kids Learning Tablet

Grant SimmonsBeats Pill Portable Speaker

Karter MahelonaNintendo 3DS XL

73-5611 Olowalu St., Kailua-Kona, HI 96740

EMAILinfo@hicommfcu.com

WEBSITEwww.hicommfcu.com

CONTACT US808-930-7700 800-514-2328 808-329-8192 TTY

CALL24808-329-9440800-303-9440

LOST/STOLEN VISA808-930-7700 800-514-2328800-543-5073 (After hours)

The Owners Count newsletter is published for members of Hawaii Community Federal Credit Union. The articles and opinions in this publication are for general information only and are not intended to provide specific advice or recommendations for a specific product or service. We suggest that you consult your attorney, accountant or financial or tax advisor with regard to your individual situation. Entire publication© Hawaii Community Federal Credit Union, 2016. All rights reserved.

Federally insured by NCUA

Presorted STDU.S. Postage

PAIDWC

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COMING SOON! VISA Card Upgrades Our VISA® Credit Cards you know and love are being upgraded! The Classic, Gold and Platinum cards are coming fully equipped with EMV chip technology later this year as well as a few more changes to help make your life easier.

What is a Chip Card? Your chip card comes with an encrypted microchip embedded in the card. The microchip provides an enhanced layer of security to your transactions.

How is the Chip Card More Secure? The embedded microchip provides unique data specific to your card and the transaction being processed. These security features make your new chip card extremely difficult to counterfeit.

MobiMoney App Taking your card security to the next level with controls right on your smart phone.

MobiMoney’s card controls will allow you to see details about your card while on the go as well as providing you the tools to help prevent fraudulent charges.

Just some of the features include: • ON/OFF: Turn your card on or off with with a single touch

for any duration.

• Location: Specify card usage immediately for an area or region of the map. Allow or deny international transactions.

Spend Limits: Set thresholds for transaction amounts along with weekly and monthly spend limits.

Location Alerts: Alert when your location is different from a merchant location.

Stay tuned for more information!

ALL NEW ARTWORK