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Allpoint™ Network Signs
$900 Million Texas Dow Employees Credit Union

Allpoint Helps Top 10 Texas Credit Union Expand Presence in Core Markets and Across the Nation

For Immediate Release
February 20, 2006

BETHESDA, MD — The largest credit union in the Galveston and Brazoria counties has joined Allpoint Network to expand their presence in core markets around Houston and Lake Jackson. By joining Allpoint, TDECU now offers its 91,000 members more than 850 surcharge-free ATMs in the Houston metro area, 2,600 in Texas, and 35,000 nationwide.

Allpoint Network, recently purchased by long-time partner Cardtronics, is the nation's largest surcharge-free ATM network. Allpoint enables credit unions such as TDECU to compete more effectively with larger banks, enhance product and service offerings, and serve more members at a fraction of the cost of building and maintaining its own network.

Ronald O. Wright, Remote Retail Delivery Director at TDECU believes the alliance adds an enormous benefit for its members. "At TDECU, we strive to offer our members the best possible service," said Mr. Wright. "Partnering with Allpoint, the largest surcharge-free ATM network is a natural fit to help us meet that goal."

"We are very proud to be working with TDECU and helping them serve their members locally and nationwide", said Ben Psillas, President of Allpoint. "ATM access remains one of the primary reasons consumers join a financial institution and TDECU has now leveled the playing field with larger banks".

With 35,000 surcharge-free ATMs coast to coast, Allpoint provides credit union members with greater access, convenience, and savings.

TDECU members can find Allpoint ATMs via a search function linked on the TDECU web site, or just by looking for the green Allpoint logo on ATMs nationwide.

About Allpoint
Allpoint, a division of Cardtronics, is America's Largest Surcharge-Free ATM Network, with 35,000 ATMs in leading national and regional merchant locations across the country. Allpoint provides greater access, convenience and savings to customers of financial institutions with limited ATM presence while providing the institution with the tools to compete more effectively for customers. For more information or to find the nearest Allpoint surcharge-free ATM, visit the company's web site at www.AllpointNetwork.com.

About Texas Dow Employees Credit Union
Founded in 1955, TDECU is the largest credit union in the Galveston/Brazoria county area and currently serves more than 91,000 members with nearly $900 million in assets. TDECU's current field of membership includes the employees and retirees of Dow Chemical Company-Texas division and many other area companies, as well as the family members of employees and retirees. TDECU currently operates nine branch locations and offers a complete selection of convenient, innovative, and competitive products and services—including savings and checking accounts, consumer and mortgage loans, credit cards, and much more. For more information about TDECU, visit www.tdecu.org.

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Allpoint
Ben Psillas, President of Allpoint Network
301-492-2103
bpsillas@allpointnetwork.com

TDECU
Deby K. Samuels
Ronald O. Wright, Remote Retail Delivery Director
979-299-3678
rwright@tdecu.org