Dear Valued Member:

On behalf of the management and board of directors of Smart Financial Credit Union (SFCU), I am pleased to share exciting news. We have received preliminary regulatory approval to merge with Texas Dow Employees Credit Union (TDECU).

SFCU’s board of directors and leadership team support this merger. However, the final decision is up to you, our members. Should you vote to approve this union between SFCU and TDECU, the combined credit union will have assets of more than $5.8 Billion serving approximately 460,000 members with 45 branches throughout the Texas gulf region.

Your vote is very important, and a merger between SFCU and TDECU must have the approval of a majority of members of the credit union voting on the proposal. Along with this letter, you will find a Notice of Special Meeting and a ballot to cast your vote. Should you require additional information, please direct questions to our attention at mergerinsights@smartcu.org.

To be counted, your ballot must reach us by the date and time announced for the meeting and noted in the member notice.

We greatly appreciate your membership and thank you for your support.

Sincerely,

LeAnn Kaczynski
President/CEO
Smart Financial Credit Union