ATFCU Homebuyer Seminar

Whether you're a first-time homebuyer or looking for guidance on financing options, this homebuyer seminar will help provide the knowledge you need to navigate the home-buying process with confidence.

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Location: ATFCU Shoal Creek Branch - 8929 Shoal Creek Blvd, Austin, TX 78757 - or online

Date & Time: October 3, 2026, 11:30AM - 12:30PM CDT

What you'll learn about

• The homebuying process
• Understanding your budget & credit
• Mortgage options
• How to search for a home
• How to make an offer & negotiate
• Home inspections & appraisal

We will have mortgage professionals from our mortgage partner, Member First Mortgage, LLC answer all of your home financing questions. There will be informational materials, opportunities for Q&A, a light breakfast for those attending in person, and you will be entered to win 4 Texas Stars game tickets¹.

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*This is not a commitment to lend. All lending products are subject to credit and property approval. Refinancing an existing mortgage loan may cause the total finance charges to be higher over the life of the loan. Additional restrictions may apply. Member First Mortgage, LLC (MFM) is a partner of Austin Telco Federal Credit Union (11149 Research Blvd., Suite 300, Austin, TX 78759 | (512) 302.5555 | NMLS ID: 422857). MFM is a licensed Mortgage Lender/Servicer (Corporate Office: 616 44th Street SE, Grand Rapids, MI 49548 | (866) 898.1818 | NMLS ID: 149532). For licensing information, please visit www.nmlsconsumeraccess.org. Equal Housing Opportunity.

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¹ NO PURCHASE NECESSARY TO ENTER AND WIN.

ODDS OF WINNING DEPENDENT ON NUMBER OF ENTRIES.

The Sweepstakes begins at 11:30:00a.m. Central Daylight Time (“CDT”) on October 3, 202, and ends at 12:30:00p.m. CDT on October3, 2026.

The winner will be determined by random drawing of eligible entries conducted at Austin Telco Federal Credit Union’s headquarters located at 11149 Research Blvd, Ste 300, Austin, TX on October 5, 2026. Final determination of the winner will be made by an Austin Telco Federal Credit Union (ATFCU) official whosedecision is final. The winner need not be present to win. Winner will be notified via phone or email on the drawing date reflected above. To claim the prize, winner must respond to phone or email; the winner will have twenty-four (24) hours to respondafter being contacted by phone or email provided during registration. In theevent the winner is unable to be contacted, the winner’s timely response is notreceived, or the winner does not qualify, ATFCU reserves the right to choose analternate winner by random drawing from all remaining eligible entries no morethan twenty-four (24)hours after ATFCU becomes aware of the forfeiture. To obtain the name ofthe winner, send your request and a self-addressed, stamped envelope to AustinTelco Federal Credit Union 11149 Research Blvd, Ste 300, Austin, TX 78759,Attn: Marketing – ATFCU HomebuyerSeminar Sweepstakes. All such requests must be received within six (6)weeks after the end of the Sweepstakes Period.

Employees and officials of Austin Telco Federal Credit Union and the immediatefamily members or other members of any such employee's or official's householdare not eligible to participate.

Prize: Only one (1) prizeis available. Winner will receive four (4) Texas Stars Hockey premium tickets(to a to-be-determined home game at the arena during the 2026-2027 regularseason. The approximate retail value (“ARV”) of the Prize is $350.

Prize winner shall be solely responsible for federal, state, and local taxes, if any. All expenses not specifically provided for herein, including transportation to and from the venue, parking, concessions, and merchandise (if applicable), are the winner’s sole responsibility. Any winner who is, or has previously been, a member of ATFCU must be in “good standing” as defined by the policies of ATFCU, and cannot have been disqualified for membership with ATFCU, or the Prize(s) will be forfeited.

By accepting a prize, the winner(s) consent(s) to disclosure of his/her/their name(s) and agree to grant ATFCU the right to use his/her/their name(s) for promotional purposes without further compensation or permission, except were prohibited by law.

Participants agree that Austin Telco Federal Credit Union and its employees and/or officials (collectively, “Telco Parties”) and each of their respective affiliates and their members, officers, employees, and representatives(collectively, “Releasees”) shall not be liable for and hereby release the Releasees from losses or injuries of any kind resulting from participation in contest, acceptance of the prize, or any technical malfunctions of the telephone network, computer system, computer equipment, software, or any combination thereof, or any misdirected entries. Participants also agree that theindividuals and entities listed in this paragraph are not responsible or liablefor any injury or damage to a participant related to or resulting from any part of this contest. IN NO EVENT WILL AUSTIN TELCO FEDERAL CREDIT UNION OR ITSAFFILIATES, SUBSIDIARIES, OR MARKETING PARTNERS AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, REPRESENTATIVES AND AGENTS OR ANY OTHER RELEASEES, BERESPONSIBLE OR LIABLE FOR ANY DAMAGES OR LOSSES OF ANY KIND, INCLUDING DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES ARISING OUT OF ANY PARTICIPATIONIN THE CONTEST.

The sponsor of the Sweepstakes is Austin Telco Federal Credit Union. This Sweepstakes is in no way sponsored, endorsed, or administered by or associated with Facebook,Twitter/X, or Instagram. All trademarks used are the property of their respective owner(s) and are used for prize description purposes only.

You may enter the Sweepstakes by mail without attending the ATFCU Homebuyer Seminar during the sweepstakes period. To receive one (1) entry, hand-print the following on a plain 3” x 5” index card: “ATFCU Homebuyer Seminar Sweepstakes,” your full name, full mailing address, day and evening phone numbers, email address (if any), and date of birth and mail it with proper postage in a sealed, stamped and hand-printed #10 envelope to: “Austin Telco Federal Credit Union ATTN: Marketing – ATFCU Homebuyer Seminar Sweepstakes”, 11149 Research Blvd., Suite 300 Austin, TX 78759. Limit one (1) entry per 3” x 5” index card. Mail-in entries must be handwritten and postmarked by September 26, 2026, and received by October 3, 2026. Proof of sending or submission will not be deemed to be proof of receipt by ATFCU. No mechanical reproductions will be accepted. ATFCU is not responsible for lost, late, illegible, invalid, misdirected, mutilated, incomplete, or postage-due mail/entries, which will be disqualified. Mail-in entries become the property of ATFCU and will not be returned.