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ArrowCreek View | September 2026

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The official NEWS magazine of the ArrowCreek® Homeowners Association september 2026 VOLUME 21 issue 5

WildfireSeason 20

new! management Report - Firstservice 10 for the song - a community of patrons 22 july 4th event - photo review 30


BU ILDING A R ROWC R E E K ’ S FUTURE – TOGETHER

Exclusive access. Proven builders. Extraordinary results. Our partnership with A Diaz Builders LLC and ArrowCreek’s premier custom home teams gives our clients first-look access to the community’s most exceptional new construction before it ever hits the market.

808.937.7393 soni.jackson@sothebysrealty.com sonijackson.sierrasothebysrealty.com NV S.0177775

775.772.3519 tawny.garrick@sothebysrealty.com tawnygarrick.sierrasothebysrealty.com NV BS.1002735

If your property is currently listed with another broker, it is not our intention to solicit that listing. This material is based upon information that we consider reliable, but because it has been supplied by third parties, we cannot represent that it is accurate or complete, including price, or withdrawal without notice; square footage is an estimate only. Any renderings and illustrative maps are conceptual only and subject to change. ©MMXXVI Sotheby’s International Realty Affiliates, Inc. All Rights Reserved. Sotheby’s International Realty® is a licensed trademark to Sotheby’s International Realty Affiliates, Inc. An Equal Opportunity Company. Each Office Is Independently Owned And Operated. Copyright© Sierra Sotheby’s International Realty 2026.


Contents DEPARTMENTS 4

Board of Directors' Note

10

Management Report

12

Governing Committees

16

Budget & Finance

18

Wildfire Mitigation

24

Socials & Events

26

ArrowCreek Calendar

30

July 4th Event Photos

34

ACHOA Harvest Festival

36

Security & Safety

38

Where in the World

features

11 20

ArrowCreek view magazine ADVERTISING DISCLOSURE STATEMENT The ArrowCreek View is the official Magazine of the ArrowCreek Home Owners Association (ACHOA). It contains important information for all residents. Additional hard copies of the magazines are available at the Residents’ Center and the magazine is posted on the www.ArrowCreek.com website. Listing of services, vendors, individuals and/or groups is not an endorsement by the ACHOA.

22

liberty dogs - change a vets life Imagine knowing that the love, guidance, and time you invested in a dog helped a Veteran living with PTSD regain independence and confidence.

wildfire season is year round We tend to think about wildfires during certain months of the year, especially in the heat of the summer. But wildfires can happen anytime.

for the song a community of patrons Over the past three years, The Club at ArrowCreek and the entire ArrowCreek community have become something extraordinary: a genuine community of patrons.

on the coveR Photo by Greg Newman The ArrowCreek View is looking for community photos to be used on a future cover. Your digital photos must be submitted via email to: acview89511@gmail.com.

mission

ACHOA 2021-2026 Strategic Plan Review mystery object in south reno wildfire mitigation town hall wildfire season harvest festival

12 15 18 20 38

The Board is charged with setting broad policy and giving the operations team, supported by its management company, the tools

to accomplish both tactical and strategic goals. The ultimate mission of the Board is to protect and enhance the ArrowCreek community’s reputation and services so that home values remain strong.

vision

ArrowCreek offers a premier lifestyle with a robust variety of amenities

and activities for families and individuals and a friendly and rewarding team environment for employees that together build a more beautiful, more unified, and safer community – making us simply the best community in Northern Nevada to live, work and play.

www.arrowcreek.com | September 2026 | 3


ArrowCreek View is the official publication of the ArrowCreek HOA published by CCMedia Publishing. 775.548.6562 | www.cc.media Sales: peggy@ccmpublishing.com Design: Tina Cutler

ACHOA contact info Inquiries, concerns, requests to the Board or Committees: ACservice@associasn.com

board of directors' note As you read this, it will be two years since

community members and neighbors. Yet,

the 18 days in September of 2024 that

we are only human. When the smoke

Use TownSq (www.townsq.io) to ask questions or make comments concerning the ArrowCreek View, check your account real time, view secured ACHOA documents, and see announcements!

the Davis fire threatened our community.

clears and the urgency fades, we may slip

Many of you will remember the evacuation

back into complacency regarding our fire

orders and the chaos surrounding the

readiness.

Management Company Associa Sierra North (ASN) 10509 Professional Cr. #200 Reno, NV 89521 775.626.7333 P | 775.626.7374 F

marching closer as you packed what

ArrowCreek's ASN Community Manager Bernadette Rodas, brodas@associasn.com 775.334.7411 Ombudsman for Owners in CICCH/HOAs http://.red.nv.gov.content/CIC/Main/ CICOmbudsman@red.nv.gov 702.486.4480 ACHOA General Manager Scott Peterlin, scottachoa@gmail.com

residents' center ArrowCreek Security ArrowCreek BOARD

775.850.4620 Hours: 5am - 10pm Daily 775.850.4450 Gatehouse

fire and how you felt seeing the flames belongings you could take into your cars, prepared to leave, and wondered if you would see your homes again. Some of you did not leave when evacuation was called for, opting to stay until the last minute. The fire, caused by a carelessly tended campfire, spread rapidly through the dense fields of cheat grass and

ArrowCreek pays between $15-$18 thousand dollars a year for a consultant to inspect 20% of the homes for excessive fuels and prepares a report for each of those homeowners. Homes are chosen in specific neighborhoods in a roundrobin process over five years. Each report shows a drawing of the property and identifies where fuels should be reduced to maintain the property in a

woodlands, aided by the high winds. Through the efforts of many emergency personnel the fire was stopped before

safer manner. These recommendations can speak to the size and types of trees and shrubs and their proximity to the

it jumped over highway 431, but not before burning down fourteen homes, two commercial structures, a church, and many outbuildings.

home, and they can speak to attic vents that need to be screened to prevent ember entry into the structure. This effort takes the consultant many weeks

ArrowCreek has been a Firewise

to complete, compile, and provide to the

Bill Schimandle, Board President Margaret McConnell, Vice President Mike Henry, Secretary Jed Daoust, Treasurer Paul Burkett, Director Kendrick Bratcher, Director Dave Brooks, Director

community for several years now. Through

community manager, who then sends an

the direction of former board members

email to residents informing them that

and assisted by volunteers and committee

their report is available. This year, out of

members, we have taken a multi-faceted

185 homes inspected, only 29% of the

approach to maintaining our resistance to

residents responded and requested their

ADRC MEMBERS

fire in our wildland urban interface. We

report. The board is concerned about this

have applied for and received grants to

low response rate on such an important

help us reduce fire fuels in our common

program, and we struggle to figure out

areas, and some of that work is going

how we can improve participation and

on this year thanks to our partnership

assist homeowners in reducing fire fuels

with Truckee Meadows Fire Protection

on their properties. Your property can be

District. We hold town halls and bring in

as safe as it can be, but if your neighbor’s

speakers from Washoe County Emergency

house has a high fuel load it will catch fire

Management, Living with Fire, NV Energy,

and then burn down your house as well.

Jeff Jones, ADRC Chair Dave Brooks, Board Liaison Jed Daoust, Board Liaison Sue Lasky Carolyn Stone Michelle Mulleneaux The ArrowCreek Board of Directors, on its behalf and for the Association, disclaims responsibility for the content of any articles not authored by Board members, community volunteers, or employees. Articles of general interest on subjects reported or discussed at public Board meetings published in the magazine are the responsibility of the residents submitting them. The editors reserve the right to edit submitted material for clarity and length.

and consultants, all of whom deliver the message that fuels management and fire readiness depend on each of us as

We are asking you, our neighbors, to remember the reality of the Davis Fire, Continued on page 6

4 | ArrowCreek View | Homeowners Association Magazine ®


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board information Cont. and help us keep the neighborhood as resilient as possible

associasn.com, or to the board president at arrowcreekpresident@

from these destructive fire events. We are reaching out to those

gmail.com. And of course, we invite you to connect with board

homeowners who did not request their reports, and we are

members as you see them around the community. Please request

available to help homeowners understand their reports. We will

your fuels report, ask if your home was inspected, or request

host a wildfire specific town hall in August, and hopefully many

that your home be placed on the inspection list – we are here to

of you will have attended and left with a better understanding of

assist. You can also pick up literature at the Residents’ Center that

how we, as a community, can help each other create a truly fire

will help you to manage fuels, to select fire-resistant plants, and

resilient community.

how to plant to prevent ladder fuels near your homes.

We ask that you remain vigilant. The certainty of fire in our

Thank you for all your efforts to keep our community safer from

wildland urban interface in Washoe County is one hundred

the disastrous effects of wildfire and for being part of one of

percent, and the only variable will be how we prepare for it and

Northern Nevada’s premier communities.

guard against it. Please help us help you and your neighbors

Board of Directors

before another event strikes and it is too late to act. For more information about any of the resources mentioned above, you can reach out to the community manager at acservice@

6 | ArrowCreek View | Homeowners Association Magazine ®


Wake Up to Mountain Views. More than just a neighborhood. It’s a lifestyle.

From breathtaking mountain views to thoughtfully designed a rare balance: peaceful without feeling disconnected. Families love the incredible schools and open spaces. Professionals love and quick getaways to Tahoe. It’s clean, modern, and quietly vibrant, without the noise of other parts of Reno. That’s why Hayden is passionate about helping clients find their place here, because when you love where you live, everything else just falls into place.

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board information Cont. first service residential transition - the new community manager for the achoa Under NRS 116.023, a “community manager” is “a person

staff to introduce future associates to FSR benefits and employee

or organization who provides for or otherwise engages in the

policies.

management of a common-interest community and is required for the ArrowCreek Homeowners Association, Inc. (ACHOA). On October 1, 2026, First Service Residential (FSR) will take over

» Initial ACHOA documents have been transferred to FSR which include governing documents, collection policy with vendor contracts, vendor contracts, ACHOA advisory committee charters

community management functions for the ACHOA.

and membership, inspection guidelines, utility bills, current banks

The ACHOA Board has been closely overseeing the transition from

accounts, current and past Board Minutes, current and past

Associa Sierra North to FSR, and the process is on track. Associa and

Committee minutes, past Annual Meeting minutes, and other

FSR have completed transitions together before, and the ACHOA

required documents including community complaints and past

board is confident the two teams will coordinate a smooth handoff.

legal actions.

The transition process has started, and the following transactions are being planned and implemented:

» The Architectural Design and Review Committee (ADRC) guidelines, current files, and past files will be transferred. This will

» Residents will receive a direct contact from FSR with an invitation to enroll in the new resident systems. This will include preferred contact information and billing requirements for monthly

include all applications and reviews of ADRC deposits and fees. » Detailed financial information including Federal and Washoe County taxes, most recent financials, current and past audited

assessment.

statements, Reserve Study, past budgets for Operating Fund,

» The 2026 Board Election will be coordinated for the upcoming

Capital Fund and Reserve Fund, Investment Fund Manager

three open positions on the Board. More information in the

relationship with current and past Fidelity Investment statement,

future.

and credit card needs.

» FSR Human Resource team will be working with current ACHOA

» The current ArrowCreek website and TownSQ will be retired. A single new website will replace both, offering public information as well as a private, secure channel for resident-only content. » All homeowner information will remain strictly confidential during and after the transition, as required by Nevada law. » The new contract with FSR, like all HOA contracts and documents, is available for any resident to review in person per Nevada NRS statutes. To review it, contact the board president at arrowcreekpresident@gmail.com. If you have any questions or concerns, please reach out the ACHOA Board President at the above email address.

KYM HANSON, LE

Owner & Master Esthetician

ArrowCreek Board Elections It is the season for elections including the ACHOA Board of Directors for the 2027 Board. There will be three

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open Board positions this election as per the Association Bylaws and CC&Rs. The Community Manager will make available in September the Board Applications for community volunteers. The Applications must be received

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by the Community Manager by October 30, 2026. The voting will start in November, and results will be provided at the Annual Meeting of the Community on December 8, 2026, at 5pm. Please consider turning in your

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8 | ArrowCreek View | Homeowners Association Magazine ®


HungrySheep are great sheep! During late April, May, and June, 900 hungry sheep enjoyed grazing in and around the Thomas Creek and Whites Creek watersheds above our community. This program is coordinated by the Forest Service’s proactive fire mitigation program. When we say hungry sheep are great sheep, we’re not kidding. For the short time they were here, those cute furry creatures devoured about 135 tons of cheatgrass and other vegetation over 1,500 acres! Many of those areas are hard to reach for us humans but the sheep are incredibly thorough. They should get gold stars for their effort. And, a big THANK YOU to everyone for keeping your dogs on leash during the time the sheep were visiting. Only one incident occurred when an off-leash dog attacked a sheep, but the good news was that the sheep was okay. And, the Forest Service believes that the dog did not come from the ArrowCreek community. Good job, folks!!! Never fear – the sheep will be back to munch a bunch next year!

www.arrowcreek.com | September 2026 | 9


management report first service residential - preparing for a seamless transition On behalf of the entire FirstService

While our partnership officially begins on

Communication will be a priority throughout

Residential team, we are honored to have

November 1, our transition team is already

the transition. Approximately three weeks

been selected by the ArrowCreek Board

working behind the scenes with the Board

before November 1, residents will receive

of Directors as your new community

and current management to ensure every

a welcome packet by mail with account

management partner beginning November

aspect of the transition is thoughtfully

information, payment instructions, online

1, 2026.

planned and carefully executed.

portal registration details, key contacts, and

For more than 35 years, FirstService

Preparation includes a comprehensive

Residential has been dedicated to one

financial transition, secure transfer of

simple promise: Life, Simplified. As North

community records, and the launch of a

America's leading residential community

new resident website where homeowners

management company, we combine local

can access governing documents, account

Following the transition, we look forward

expertise with the resources, technology, and

information, architectural forms, community

to hosting a community welcome event

support of a national organization to help

news, online payments, and other important

where residents can meet the FirstService

Boards and communities thrive.

resources.

Residential team, learn more about the

One thing became clear throughout our

Equally important is supporting the

conversations with the Board and during our

associates who help make ArrowCreek a

time learning about ArrowCreek: this is an

special place to live. Our Human Resources

exceptional community. It is evident that the

team will work closely with the associates

Board, dedicated volunteers, and residents

who serve the community to ensure a

We are grateful for the confidence the Board

care deeply about the place they call home.

smooth onboarding experience and provide

has placed in us and look forward to earning

We are honored to have been selected as

access to FirstService Residential's resources,

your trust through exceptional service,

your management partner and look forward

tools, training, and ongoing support. By

thoughtful communication, and a seamless

to supporting the Board's vision while

investing in the team members throughout

transition. We are excited to begin this

building lasting relationships throughout the

the transition, we can create an even stronger

new partnership and serve the ArrowCreek

community.

experience for both associates and residents

community for many years to come.

answers to frequently asked questions. A follow-up email will be sent closer to the transition with important reminders and contact information.

resources available to them, ask questions, and begin building the relationships that are at the heart of successful community management.

from day one.

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10 | ArrowCreek View | Homeowners Association Magazine ®


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change a veteran's life - foster a puppy Imagine knowing that the love, guidance,

If you're not ready for a full-time puppy,

every moment of encouragement helps

and time you invested in a dog helped

weekend fostering offers another meaningful

prepare these remarkable dogs for a future

a Veteran living with PTSD regain

way to help. Fosters take home one of our

of service.

independence and confidence. That's the

shelter dogs for the weekend, giving the dog

impact Liberty Dogs volunteer puppy raisers

valuable experience in a home environment

and weekend fosters make every day. Liberty

while providing a much-needed break from

Dogs is looking for caring individuals and

kennel life. Weekend fosters help reinforce

families to join our mission by raising or

training, expose dogs to everyday routines,

fostering our future Service Dogs.

and give them the opportunity to relax,

Puppy raisers welcome an 8-week-old puppy

bond, and thrive.

into their home and provide the foundation

Whether you choose to raise a puppy or

for success by teaching basic manners,

open your home to a shelter dog, you'll

socializing the puppy, and attending training

become an essential part of our mission to

classes. Liberty Dogs provides the training,

transform the lives of Veterans with PTSD.

support, veterinary care, and supplies while

Every outing, every training session, and

you provide the love and commitment.

www.arrowcreek.com | September 2026 | 11

No matter how much time you can give, your impact is immeasurable. Join the Liberty Dogs team and help us build the next generation of life-changing Service Dogs. To learn more about becoming a puppy raiser or weekend foster, visit our website at libertydogs.org or contact the Liberty Dogs Volunteer Team at kfreeman@libertydogs. org. Together, we can give hope, one puppy at a time.


governing committees ACHOA 2021 - 2026 strategic plan review The Association developed and approved a Strategic Plan for the

or replaced to enhance the ACHOA trail network. The Residents’

years 2021 to 2026. This five-year plan has been an effective

Center was improved with new flooring, room dividers, restroom

guide to evaluate services for the ACHOA community based upon

upgrades, and other equipment changes.

feedback from past resident Community Demographic Surveys and Amenities Surveys. The results that follow recognize the commitment of past ACHOA Boards and Committee Volunteers, ACHOA Staff and Community General Manager over the last five years.

Continue to Strengthen the Brand and Reputation of the Community both Inside and Outside the Front Gates. The ArrowCreek View continued to improve and provides an excellent source of information for residents and non-residents alike. The ACHOA website and Front Gate Electronic sign continue to

Goal was to Maintain and Improve, as Necessary, the Existing

provide updated information to Community members. The Board

Road Program and Replacement of Other Assets Owned by the

communications and Email blasts improve transparency as do

Association to maintain and grow property values. The last of the

Town Hall meetings and informative Board meetings.

Allite ever-shrinking asphalt installed by the original Developer

Continued on page 14

has been replaced, and many paved walkways have been repaired

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governing committees Cont. Continue to Strengthen the Team Environment for Board

Continue the Team’s Efforts in Providing and Maintaining

Members, Association Employees, Committee Members, and

Manageable and Enforceable Community Standards to Maintain

Community Manager to Successfully Set Goals, Achieve Goals,

the Appeal of the Community and Protect Property Values.. With

Manage and Service the Association’s Current and Future Needs.

homes now reaching 20 to 30 years in age, landscape and home

Continue to Strengthen the Wildfire Prevention Plans to safeguard ArrowCreek residents and protect property values. The proactive partnership with Truckee Meadows Fire Protection District in getting additional grant funds for fire fuel reductions supported by the ACHOA and The Club at ArrowCreek has been a model of success. Home inspections, education seminars, and the ACHOA being a Firewise Community have provided immediate benefits to ACHOA lot owners. This effort must be continuously supported. Continue to Improve the Infrastructure and Landscape of the Community Common Area to Improve the Aesthetic Appeal of the Community and protect property values. The Landscape and Trails Committee working with Staff has been active in re-landscaping and enhancing the ArrowCreek Parkway median inside the main gate and the neighborhood monument signs on ArrowCreek Parkway, while recognizing the grey water issues in some areas.

maintenance issues continue to grow. The ADRC has developed new guidelines for new and remodel construction including addressing landscaping issues. Inspections by staff have assisted in identifying problem areas, and this will be a continuing issue for the next cycle. Past strategic plans have consistently highlighted community strengths to preserve and opportunities to enhance the community’s overall image. These Strategic Plans were developed by the community volunteers for OUR COMMUNITY. The next five-year Strategic Plan will focus on the new partnership with FirstService Residential property management company which will comply with Nevada Revised Statutes 116 which allows for an alternate management structure for an HOA such as ArrowCreek. This relationship will replace the previous ACHOA hybrid management model that focused on self-management versus the new Community Manager controlled model. For a copy of the Strategic Plan, go to TownSq until the end of September.

Creating a master landscape plan to deal with the over thirty years of aging plant material and drip irrigation systems that date back to the 1990s continues to be a challenge. In addition, a first ever Trails Map was created for the ArrowCreek community highlighting the interconnecting trails within and outside our community.

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RealTrends Verified 2026

Lexi Cerretti Tahoeicon.com | 775.833.1646 | Lexi@compass.com | NV S.75552 Compass is a real estate broker licensed in the State of Nevada and the State of California operating under multiple entities. DRE License Numbers 01991628, 1527235, 1527365, 1356742, 1443761, 1997075, 1935359, 1961027, 1842987, 1869607, 1866771, 1527205, 1079009, 1272467. All material is intended for informational purposes only and is compiled from sources deemed reliable but is subject to errors, omissions, changes in price, condition, sale, or withdrawal without notice. No statement is made as to the accuracy of any description or measurements (including square footage). This is not intended to solicit property already listed. No financial or legal advice provided. Equal Housing Opportunity. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions.

14 | ArrowCreek View | Homeowners Association Magazine ®


deep within the Earth rather than by burning fossil fuels. Wells are drilled thousands of feet into underground reservoirs of hot water and steam. The steam—or steam produced from the hot water—is directed through a turbine, causing its blades to spin. The spinning turbine drives a generator that converts the mechanical energy into electricity. South Reno has long been recognized as one of Nevada's major geothermal energy regions. Nevada ranks second in the nation in installed geothermal power generation capacity, making geothermal energy an important part of the state's renewable energy portfolio. One of the area's best-known geothermal resources is Steamboat Hot Springs, located about eight miles east of ArrowCreek near Old U.S. Highway 395. The site has a rich history that dates back to the early 1800s, when pioneers and travelers - including Mark Twain - visited the springs for their therapeutic waters. In 1861, the springs became the site of a health resort and hospital. Today, Steamboat Hot Springs continues its healing tradition as a wellness center and spa while also serving as the location of utility-scale geothermal power plants and commercial heating systems. Although the mysterious hillside structure has fueled curiosity and inspired countless theories, its true significance is much more grounded: it highlights that South Reno is located above one of the nation's largest geothermal regions.

Mystery

object seen in south reno by terry brodt In early June, a mysterious structure appeared in the rolling hills just east of the Galena "G." It is clearly visible while driving up ArrowCreek Pkwy. from Virginia Street, and at night the towering structure is fully illuminated.

Windows,

The unusual sight quickly became the talk of the ArrowCreek community and generated considerable discussion on the neighborhood social media platform Nextdoor. Standing high above the hillside with its network of pipes, rotating equipment, and massive lifting hook, the structure inspired plenty of speculation. Some residents guessed it was an oil drilling rig, others thought it might be a military installation, and one imaginative post joked, "They have landed, and they are among us."

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The mystery, however, has a much more down-to-earth explanation. The structure is a drilling derrick being used to access a geothermal reservoir beneath the surface. A derrick is an essential part of geothermal drilling operations because it provides the height, lifting power, and structural support needed to drill deep wells and install the equipment required to reach underground heat sources. Geothermal power plants generate electricity by harnessing heat from

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www.arrowcreek.com | September 2026 | 15


BUDGET & FINANCE treasurer's report

is real money earned on the community's savings rather than sitting

ArrowCreek's finances are in the strongest position they've been

idle.

in years — and the work underway now is designed to keep them there.

The best example of planning paying off: this summer's $2.4

Where we stand. The Association is well capitalized, with roughly

bond maturities scheduled years ago for exactly this purpose. No

$10 million across our operating and reserve accounts. Our reserve

special assessment, no scramble.

million road program is fully funded from reserves, paid for by

balance alone has grown from under $6 million at the start of 2024 to more than $9 million today. Homeowner delinquencies

A better budgeting process. We have overhauled how the budget

remain very low.

is built. Rather than rolling last year's numbers forward, every line

Our reserves are also working harder than ever. Through the first

to our reserve study. We track variances monthly and hold each

half of 2026, investment income is up approximately 26% over

department accountable to its plan. The goal is simple: a budget

the same period last year, and our blended return improved from

that predicts reality. Greater accuracy up front means fewer

3.6% to 3.9% — putting us on pace for our strongest year yet. That

surprises and fewer mid-year corrections.

is now tested against actual spending history and tied directly

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16 | ArrowCreek View | Homeowners Association Magazine ®


Budget season. We are in the middle of building the 2027 budget,

the Board has approved a transition to FirstService Residential.

so here is where things stand. First, the news that matters most:

The boards we spoke with — several of them communities

there are no special assessments in sight — none contemplated,

similar to ours in size and complexity — were consistent: stronger

none needed. Second, we anticipate recommending a measured

financial reporting, responsive on-site management, better digital

increase in dues.

communication, and genuine support for committees. We thank

Those two facts are connected. Communities that avoid special assessments are precisely the ones that make steady, sensible adjustments along the way — funding reserves as costs rise, rather than deferring the bill and handing residents a painful surprise later. Peer communities we interviewed during our management search confirmed exactly that approach: regular, predictable

Associa Sierra North for their years of service, and we look forward to what this next chapter makes possible. A structured transition plan is underway, and we will keep you informed at every step. Thank you for your continued engagement.

— Jed Daoust, ACHOA Treasurer

increases, and no special assessments. We are not picking a number out of the air. We are building it from the reserve study, several years of line-by-line spending history, our contract and insurance reviews, current inflation, and the roughly $400,000 in investment income our reserves will generate this year — which offsets costs that would otherwise fall to homeowners. The goal is a number that is reasonable, defensible, and no higher than it needs to be. A new management partner. Following a comprehensive RFP and reference checks with comparable master-planned communities,

www.arrowcreek.com | September 2026 | 17


wildfire mitigation

town hall - wildfire mitigation In August, more than 160 residents attended the Wildfire

During this meeting, attendees were introduced to Truckee

Mitigation Town Hall hosted by the ArrowCreek HOA and The

Meadows Fire Chief, Richard Edwards, who commended

Club at ArrowCreek. In 2025, Truckee Meadows Fire Protection

ArrowCreek’s overall efforts to reduce fuels in the community.

District submitted and was awarded over $480,000 through two

Truckee Meadows Community Coordinator, Brett Taylor, showed

grants for fuels reduction in ArrowCreek. Both the ACHOA and

slides of work completed, emphasizing methods use to attack

The Club supported the applications with cash and in-kind match.

overgrown areas without encouraging cheatgrass growth. Taylor also focused on the importance of defensible space, especially

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clearing an initial 5-foot zone around your home. Many questions were asked about how much vegetation residents could clear outside their property lines. This is covered in the ArrowCreek Rules & Regulations for Property Usage, Section 13. Others asked about rules for having to keep flammable native vegetation on their lots. Major emphasis on defensible space and home hardening was

Complimentary In-Home Consultations

provided by Bill Steward, Foresight Fire Consulting, and Jenni Burr, Living with Fire, UNR. Kelly Echeverria, Washoe County Office of Emergency Management, stressed knowing the Ready, Set, Go evacuation process. Ready – create defensible space on an ongoing basis and assemble an emergency kit. Set – monitor emergency notifications; plan for your family and pets; pack your car. Go – evacuate when told to leave or, if you don’t’ feel safe, go early. Echeverria also stated that the countywide evacuation study on communities and other areas would be completed soon. The meeting was extremely beneficial and informative. Most of the brochures available were taken home that evening. In addition, they can be obtained at the Residents’ Center.

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18 | ArrowCreek View | Homeowners Association Magazine ®


COMEDIAN

BILLY GARDELL SATURDAY, OCTOBER 3 TO PURCHASE TICKETS PLEASE SCAN QR CODE

atlantiscasino.com/billy

Must be 21. Management reserves all rights.


WildfireSeason

» Driving or parking on dry grass or vegetation. The underside of your vehicle is hot! » Ensuring trailer chains don’t drag on the ground

is year round - Be Aware, Be Prepared

» Visiting closed areas or public lands where wildfires occur (Davis

By Kathi Delegal, Ad Hoc Fuels Committee We tend to think about wildfires during certain months of the year, especially in the heat of the summer. But wildfires can happen anytime. Remembering the Davis Fire in September 2024 started me thinking about awareness and preparation, and I thought it might be a good idea to go over important issues that all of us know, but

Fire) Even if there is no Red Flag Warning, we should keep the same level of awareness whenever there are dry fuels. If you see or hear about fire restrictions in the area, that’s a big indicator of a high potential for wildfire.

may not think about during our busy lives.

preparation

red flag warnings

» Volo Village is no longer being used by ArrowCreek to distribute

We hear on the news about Red Flag Warnings. What are they? What causes the National Weather Service to issue these warnings for a specific area? Here’s their criteria:

emergency information to residents. In addition, Code Red no longer exists. Please sign up for Smart 911 if you haven’t done so. Help police, fire, and EMS locate you faster in an emergency. To sign up for Smart 911, go to readywashoe.com and click on Alerts

» Warm temperatures

& Warnings, and click Sign Up for Smart 911.

» Low humidity » Dry fuels » Wind speeds anticipated to be over 20 mph within 24 hours

» Create Defensible Space around your home. This is an area between your home and an oncoming fire where vegetation has

During Red Flag Warnings, the National Weather Service asks us to

been removed or modified to reduce wildfire threat. There are 3

avoid the following activities:

zones included in this area.

» Using open flames or heat outdoors – cooking, use of power tools

Zone 0 – The Ember Resistant Zone 0-5 feet; Zone 1 – Lean, Clean and Green Zone 5-30 feet;

or mowing

Zone 2 – Reduced Fuel Zone 30-100 feet.

» Smoking outdoors

Fall

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20 | ArrowCreek View | Homeowners Association Magazine ®


» Be prepared to evacuate. Create a Go-Bag with supplies for at least

Every year, the HOA pays for 20% of home inspections to help

3 days for you and your pets. Take all essentials: prescriptions

residents prepare for wildfire. That means every five years you are

and other medications, car keys, cell phones and chargers, credit

provided with an inspection. To get a link to your inspection report,

cards, cash, glasses and important household documents. Have

you can reach out to Associa at acservice@associasn.com.

meeting and communications plans in place and remember cell

This year, 187 inspections were completed, and only 54 (29%) of

service may be down.

residents asked for their report. That report can be critical in terms

» If there is time, take outside cushions inside and leave some lights

of helping protect you and your family in case of wildfire. The HOA

on inside and out. Important: close your garage door to prevent

has provided a great service to residents free of charge to safeguard

fire from entering your home space more easily.

this community. Please get and read your report. It might help you take steps around your home to protect you and your neighbor.

» During a fire or other emergency, Perimeter (a mapping software will notify the public in and around an evacuation zone when an

don't be responsible for preventing ground air support

event triggers the activation of the Perimeter application. You can

» If you are told to evacuate, please go! Do not have firefighters

program) will be utilized. Washoe County Emergency Management

get the Perimeter app at perimetermap.com. Perimeter does not

worrying about you rather than fighting the fire. Remember the

replace Smart 911 but does provide up-to-date information as part

Davis Fire – if it had jumped Mt. Rose Hightway, it would have

of the alert.

taken only 15 minutes to get to ArrowCreek. » If a fire occurs in or around ArrowCreek, NEVER go to observe the

» Another application that can be helpful during wildfire emergencies is watchduty.org. Real-time maps, incident reports,

fire. You will be interfering with fire personnel’s ability to fight the

and verified alerts.

fire because they will have to worry about you! » NEVER FLY DRONES in the area! In addition to being against

Several brochures are available at the Residents Center addressing this and other wildfire issues. They contain valuable information,

the law, if a drone is spotted, all firefighting planes and helicopters

and I urge you to pick one up.

will be grounded for pilot safety.

YOUR MISSION DATES

MAY 30 – JAN. 10

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775.786.1000

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musicians, they have helped nationally touring artists build multi-performance visits throughout Northern Nevada while creating unforgettable evenings for club members, residents, and guests alike.

The Novelists

FortheSong

a community of patrons

Over the past three years, The Club at ArrowCreek and the entire ArrowCreek community have become something extraordinary: a genuine community of patrons. Partnering with For the Song, Northern Nevada's first nonprofit support organization for nationally touring

For the Song is committed to bringing to our community.

This summer, that partnership reached another level. Micky & the Motorcars opened the summer with a crowd on its feet for favorites including "Sister Lost Soul" and Warren Zevon's "Lawyers, Guns & Money." Uncle Lucius reminded everyone why they are among America's most respected roots bands and Tae & the Neighborly brought an entirely different blues and R&B energy to the Grand Lawn with originals like "Fool's Kitchen" and "Carry On.”

On Sunday, September 20, ArrowCreek welcomes The Novelists, Reno's own nationally touring indie rock band. Their appearance marks a milestone as the first Reno-based artists selected by For the Song—a reminder that world-class touring musicians are not only brought to Northern Nevada; sometimes, they begin here. On Thursday, October 15, the beautifully reimagined Vista Room Music Club opens its indoor season with Southwest favorites The Sugar Thieves, whose blend of blues, soul, R&B and Americana promises another memorable evening.

The summer also welcomed the extraordinary Kruse Brothers, whose classically trained voices, remarkable harmonies and exceptional songwriting made them a fitting addition to the ArrowCreek stage. Joined by Northern Nevada's own Jakota Wass Band, they once again demonstrated the caliber of artistry

Many of these national touring artists had little economic reason to stop in Northern Nevada. Because of the generosity of the ArrowCreek community, they are not simply passing through—they are returning, building relationships, and creating more opportunities to share their music throughout our region.

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22 | ArrowCreek View | Homeowners Association Magazine ®


Contemporary Design Meets Extraordinary Views

Sophisticated Modern Living Overlooking the Lower Legends Course

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Set above the lower Legends Course, this exceptional residence is framed by sweeping golf, city, valley, and mountain views. Sophisticated main-level living unfolds through an expansive Great Room and stunning Chef’s Kitchen, featuring quartzite countertops, a dramatic waterfall island, and premium Thermador appliances. Five en-suite bedrooms offer comfort and privacy, while a versatile lower-level space provides endless possibilities. Outside, a private spa, fire feature, built-in BBQ, and covered balcony create an inviting setting for effortless entertaining and relaxation.

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ArrowCreek interest groups BOOK CLUB II Charlotte Curtis charcurtisedd@aol.com

Bridge social Betsy Burgess betsyhburgess@gmail.com

Chefs club

socials & events

Portia Corlin portiacorlin@gmail.com Mary Enright enright5mom@gmail.com

Crafters Mary Steele marysteele6239@att.net

cycling club Jeff Foster jeff-foster@sbcglobal.net

hand, knee & foot club Carol Uhlan 775.852.6638 Lenore Lemon 760.914.2911

mah jongg Donna Branson renobransons@yahoo.com

MASTERMINDS Jessica Hartwig jessica@livinvision.net

men's tennis Don McConnell dfmcconnell67@gmail.com

motorcycle Thomas Wroblewski tomwro@sbcglobal.net

pickleball Mary Ann Gaebe jimgaebe@charter.net www.acpc.clubexpress.com

ping pong Gray Wright gray.wright@outlook.com

retired thinkers club Gray Wright gray.wright@outlook.com

scale models Hawley MacLean hawley@hmaclean.com

arrowcreek pickleball club in full swing

skiing

by mary ann gaebe, president

Kelly Young keyoung@pacbell.net

Summer was in full swing at our ArrowCreek pickleball courts. Tuesday, Thursday and

snow shoeing We're looking for a Group Leader!

wine lovers Terry Brodt terrybrodt@comcast.net

women's tennis Nancy Aston cmgreno2@gmail.com

Saturday mornings are busy with open play every week. Wednesdays have a group of women playing in the warm mornings as well. We welcome new players all the time. It is a joy to see them, hesitant at first, joining in the fun and quickly learning how to play. We have people of all ages – from 14 to 54 years old! If you have been thinking about trying it out, come on out to the courts and join us! It is a great workout and social outlet. On a recent Saturday we had 24 people at our courts. You are welcome to bring a guest with you. Check out our website at acpc.clubexpress.com or contact Mary Ann Gaebe at JimGaebe@Charter.net.

24 | ArrowCreek View | Homeowners Association Magazine ®


Peter Brunt is seated in the 1st row, center with a baseball cap saying Vintage 1936

90th birthday celebration in the south of france Former ArrowCreek resident Peter Brunt recently celebrated his 90th birthday in grand style, joined by numerous current and former ArrowCreek residents and friends. The celebration was held at the beautiful 17th-century Château Destinée, situated on the banks of the Dordogne River approximately one hour east of Bordeaux, France. After 19 years in ArrowCreek and active membership at The Club at ArrowCreek, Peter and Jane Mellors relocated to the NouvelleAquitaine region of France in 2022 to be closer to family. Their home is just a short drive from Château Destinée, making it the perfect venue for this special occasion.

Peter enjoyed a distinguished career in the aerospace industry. In 1982, he served as Director of Communications Satellite Engineering in Canada before moving to the United States in 1987 to work on the International Space Station program. From 1994 until his retirement in 2004, he contributed to several major communications satellite programs in the United States. The memorable celebration brought together longtime friends from both sides of the Atlantic to honor Peter’s remarkable life, career, and 90 years of achievements.

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arrowcreek calendar save the date

socials & events Cont.

Mondays Mah-Jongg 3 - 5pm 3rd Wednesday of the Month Wine Lovers Club Mondays & Thursdays Barre Blitz 9 - 10am Thursdays Social Bridge 3 - 5pm 2nd Thursday of the Month Chefs Club Fridays Hand, Knee & Foot Club 1 - 5pm Join Us!

september 7

Labor Day, ASN office closed

9

ADRC Meeting, 10am

15 Executive Session/Hearing Mtng, 5 - 6pm via Zoom 23 2027 Budget & Reserve Owner Workshop, 6 - 7pm, Residents' Center

OCTOBER 17 ACHOA Fall Festival, 1 - 4pm, Residents’ Center *The above meeting schedule may be subject to change and may be modified at any time.

summer meetings with the arrowcreek chefs club! ArrowCreek Chefs Club held a festive July 8th meeting at the ArrowCreek Residents’ Center, complete with a Red, White, and Blue theme to celebrate our U.S.A. 250th Independence Day. With a BBQ Americana theme and 25 chefs in attendance, all signed up to bring a dish & a beverage of choice to share potluck style, with hamburgers and hot dogs sizzling on the poolside grill. There were plenty of side dishes and desserts to round out the meal, and tables

calendar key adrC

Architectural Design Review Committee (closed meeting). Held the 2nd Wednesday of each month. Deadline to submit is the 1st Wednesday of each month.

aSN Associa Sierra North board meeting Regular meeting of the board of directors. Homeowners welcome. Owner forum at the beginning of each meeting. Executive Sessions may be held prior to each regular board meeting. Meeting dates may be subject to change.

Executive Session Meeting of the board of directors to discuss delinquencies, legal issues and CC&R violations. (Closed meeting.)

town hall Informal gathering with owners and board for open general discussion about items of concern. (No action is taken at meeting.)

were decorated with red, white and blue, flag decor. The chefs' monthly meetings are a great time to relax & reconnect with friends and neighbors, share good food and good times.

This year the chefs have voted to have a

With an email roster of over 70 people, the ArrowCreek Chefs Club continues to meet

“Themed Menu” each month, choosing a country to try new recipes from.

the 2nd Thursday of each month from 5 -

Everyone has had a great time learning

7pm, usually at the ArrowCreek Residents’

new recipes, tasting new dishes, and often

Center, and also hosts meetings at different

reminiscing about their favorite memories

chefs’ homes. It takes help from all

of that part of the world. As we round out

members to set up each meeting and clean

the summer season, we look forward to

up the space after, which ensures everyone

new menus and many more gatherings

has a great time.

here in our community of ArrowCreek.

26 | ArrowCreek View | Homeowners Association Magazine ®


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socials & events Cont.

Sheila Galuppo, Katrina Bader, Sandy Poff, Ronay Bovarnick. Delores McLaughlin, Shannon Jill, Rebekah Skrable, Joan Brodt, Jodi Miller and Sara Schmitz

Sheila Galluppo, Ronay Bovarnick, Rebekah Skrable, Erna Bailey, Jodi Miller, Becki Meholn and Kim Zunino enjoying Rombauer wines

Three Presidents--Stan Jaeger, Former ACHOA President, Terry Brodt, AC Wine Lovers President and Bill Schimandle, current ACHOA President

arrowcreek wine lovers In July, ArrowCreek Wine Lovers enjoyed three memorable summer evenings celebrating great wines and good company with fellow enthusiasts. The first event was hosted by Rebekah and Ryan Skrable and featured premium wines from Fortunati Vineyards in Napa Valley. The 106 attendees each brought an appetizer to share, creating an impressive array of food that paired beautifully with the evening's wine selections, including Chardonnay, Zinfandel, a Bordeaux-style blend, and a bold Cabernet Sauvignon. The second gathering was hosted by Debbie and Dean Shotwell and showcased wines from McGrail Vineyards, located in California's Livermore Valley AVA. Returning to ArrowCreek for the second consecutive year, McGrail was once again a favorite among Wine Lovers. Their Patriot Cabernet Sauvignon and Cabernet Reserve were especially well received, earning rave reviews from the 100 attendees. Lastly, the ArrowCreek Wine Lovers gathered for a fun and memorable evening in late July at the home of Erna and Reb Bailey. Nearly 100 members attended, enjoying an impressive selection of appetizers paired with approximately 55 different wines. The Wine Lovers group is dedicated to celebrating the enjoyment of wine and the enduring tradition of bringing people together. Events like these highlight the fellowship, friendships, and strong sense of community that make the club so special.

28 | ArrowCreek View | Homeowners Association Magazine ®


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socials & events Cont. arrowcreek july fourth Hundreds of neighbors gathered to celebrate the nation’s 250th birthday at several events organized by the ACHOA. The festivities kicked off with a parade of over a dozen decorated golf carts. Local veterans representing the Navy, Army, and Air Force joined the procession and were honored with the National Anthem. The ACHOA Social Committee extends a sincere thank you to all participants; the decorations were exceptional, making the judging process very difficult. The winners and their designated charities are: First Place: Robert Smith Family – Veterans' Guest House Second Place: Mal and Diane Coghlan – Northern Nevada Legal Aid Third Place (Tie): Mendy Elliott – The Children's Cabinet Third Place (Tie): Annette Kruder - The Children's Cabinet The celebration continued at the home of Hawley MacClean, where over 150 residents toured an intricate replica of the Alpine and Western Pacific Railroad. Attendees enjoyed the display while reflecting on the railroad’s historic role in building our nation. At the Residents' Center, over 150 community members enjoyed various activities, including bounce houses, games, and temporary tattoos. Children had the opportunity to meet with Truckee Meadows firefighters and explore their fire truck, while the ice cream truck provided a popular treat for all ages. Thank you to everyone who participated in making this milestone Independence Day celebration a success.

30 | ArrowCreek View | Homeowners Association Magazine ®


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socials & events Cont.

32 | ArrowCreek View | Homeowners Association Magazine ®


CARE IN YOUR NEIGHBORHOOD – COMING SOON! A new primary care and urgent care clinic is coming soon to Southwest Reno. PRIMARY CARE:

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socials & events Cont.

arrowcreek book club Left: TCAC Book Club members at their June meeting. Right: Book Club I members at meeting on June 25

ACHOA

sat. 1 - 4pmoctober 17, 2026 arrowcreek residents' center Pumpkin Patch

pick & decorate

Costumes! wear halloween

Fun carnival games, a magician, spooky treats, and harvest snacks that are sure to get everyone in the Halloween spirit. More than just a celebration, the Harvest Halloween Festival is a great way to connect with neighbors and make lasting memories together!

See you on the 17th! Boo! 34 | ArrowCreek View | Homeowners Association Magazine ®


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security contact info Please don’t hesitate to contact us at the Gatehouse if you need assistance or notice any suspicious circumstances. If you have not logged into the QuickPass system and need your username and password, please contact Leda at the gatehouse or email her at acsecure@msn.com for this information. Gatehouse telephone Gatehouse fax

security & safety

775.850.4450 775.850.4451

Security Gatehouse email acsecure@msn.com www.quickpass.us

emergency number 911 non-emergency numbers Reno Public Safety Dispatch

775.334.2121

Washoe County Communications Dispatch

775.785.9276

City of Sparks Emergency Services

775.353.2231

wildlife issues ArrowCreek is one of many communities located in a “Wilderness Urban Interface” area and, as such, residents may more frequently experience problems with animals, reptiles and insects in or near their homes or property. Residents are responsible for any issue regarding wild animal/snakes etc., on their property. Security staff will assist by giving residents the correct phone number of the agency that may be able to assist them.

wildlife info & resources ArrowCreek Security

775.850.4450

Washoe County Regional Animal Services Office

775.353.8900

Dispatch

775.322.3647

NV Department

775.688.1331

of Wildlife Reno Snake Rescue

we have great people helping us! by hal albright I had an unfortunate experience having work done on my vehicle. Fortunately, I was given a loaner to drive. Unfortunately, the loaner did not have a transponder to automatically raise our community entry gate. I will not admit to being intellectually challenged by age, but I kept driving into the entry gate for residents. Without the transponder, the gate would not open, and I had to be admitted by the security person on duty. First, I had never really appreciated how nice that service is to keep us safe and to monitor traffic in our community. Never once was I admitted without scrutiny to determine that I belonged. Second, it reminded me of how many times I travel in and out of our community. There are over a thousand home sites with probably an average of 2.5 people per home site. Many residents are exiting and entering the community multiple times per day, which translates into thousands of people passing through the security gate daily. Then add the number of people entering the community to perform work and to visit owners, and the number of people accessing the security gate is mind-boggling. In fact, in 2023 between 1.1 million and 1.3 million vehicles entered the community! Third, I was completely impressed by the professionalism and kindness with which I was treated. Never once was I addressed in other than a proper, courteous, and respectful manner. It had to be somewhat exasperating to have me bumble my way into the wrong lane time after time, but each person at the gate never expressed that exasperation and eventually teased me as I came in. Fourth, monitoring people accessing the community is only one of the duties the staff performs. In addition, they perform at least the following duties: a. provide drive-by services around the community to make sure things are in order, b. register vehicles and attach transponders to vehicles and golf carts,

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c. oversee emergencies involving members --like admitting ambulances and other first responders, d. provide vacation home reviews for members who are on vacation, e. monitor traffic for speeders and other offenders who endanger the community members through their reckless behavior. Also, they keep an eye on road conditions for accidents, debris, flooding, and other problems, f. handle resident incident problems and reports, g. review claimed CC&R violations, h. bus stop enforcement, i. community building checks and lock up, j. snow removal coordination. As I think you can see, the security staff have a hard job 24 hours a day, 365 days a year. Each of us ought to be cognizant of the difficulty of their job and realize they are an important and necessary part of our community. I talked to Rick Reyomes and Scott Peterlin, who suggested some ways we can all help them perform their duties even more efficiently. They suggested: a. use Quick Pass to register your guests and visitors. The gate then knows they are expected and can admit them quickly. We have all seen the line of work trucks and visitors waiting to get into the

community. Quick Pass registration really makes this admission faster. When I needed help registering for Quick Pass, the staff walked me through it quickly and with enough knowledge that I could do it alone from then on, b. don’t speed. How much time can you gain from the security gate to your home--a minute? There are pedestrians, deer, kids on electric vehicles, school buses, dogs and all manner of potential dangers on the roads in the community. Be extremely careful. c. be courteous and nice. Each one of these professionals is here to help, serve and protect us. Not one of them woke up in the morning wanting to interact adversely with a member of this community. When they applied for this job, they realized it was a job of service and when they were interviewed, they were certainly made aware that that was their primary goal. They will be thrust into a million different situations and we must help them work their way through them. d. monitor your own property. Bring your trash receptacles in, close your garage doors, groom your yard and review the CC&Rs so you can be sure you are in compliance. This is a great community, and if we each pitch in, we can help ensure the Security Staff can be even more effective.

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www.arrowcreek.com | September 2026 | 37


We love to view your photos and hear your stories. Share your travel with us by providing a photo of yourself with your ArrowCreek View and a short caption identifying people and your location. Send your photo to our ArrowCreek View team at: acview89511@gmail.com. High resolution photos required.

WHERE IN THE WORLD IS ArrowCreek VIEW?

traveling this fall? Don't forget to pack your Arrowcreek View! ArrowCreek resident, Sandy Poff and her best friend, Camille Lowe, biking in Amsterdam ▼

Linda Graebner & Charlie Shalvoy in Frisco, Colorado visiting former ArrowCreek residents, Gary and Lindy Pestello

38 | ArrowCreek View | Homeowners Association Magazine ®


DREAM • BUILD • LIVE

Scan to Scan to see see our our work. work.

We are a premier general contractor and custom home builder, creating award-winning spaces, large and small. Our friendly and knowledgeable staff will act as your guide during every step of the build process.

Custom Home Construction Specialists Award-Winning Remodeling Contractors

775-359-7688 KirbyConstructionCo.com


PRSRT STD U.S. POSTAGE PAID RENO, NV PERMIT #931

ArrowCreek Homeowners Association Care Of Associa Sierra North 10509 Professional Circle No.200, Reno NV 89521 775.626.7333 P | 775.626.7374 F www.ArrowCreek.com

1

LOAN RATE

DISCOUNTS on newly originated consumer loans 2

INTEREST RATE

UNLIMITED

BONUS

FEE-FREE ATM

on linked savings and money market accounts 3

withdrawals nationwide 4

V I S I T YO U R LO C A L B R A N C H O R N S B A N K . CO M /G O L D TO L E A R N M O R E . 1. Please refer to the Deposit Account Agreement, Account Disclosure, Deposit Rate Sheet and Personal Account Schedule of Fees, or speak with a banker for more details. 2. Gold Account customers must elect to do autopay from their Gold Account at the time of originating a new loan to qualify for the rate discount. Selected products include Home Equity Line Of Credit, Auto loan, Recreational Vehicle loan, Unsecured Term loan, and Unsecured Line of Credit. Subject to credit approval. Terms and conditions apply. 3. Interest rate bonuses are automatically applied to qualifying interest-bearing deposit accounts when the primary account holder of the checking account is also an owner of the qualifying linked accounts. See the Nevada State Bank Deposit Products Rate Sheet for more information. 4. $0 for transactions at ATMs owned by Nevada State Bank or other divisions of Zions Bancorporation, N.A. Unlimited ATM fees waived on this account for transactions at non-Zions Bancorporation, N.A. ATMs when using Visa® Debit or ATM Cards. Additional ATM fees may be assessed by operators of ATMs not owned by Zions Bancorporation, N.A. Unlimited ATM operator fee refunds will be provided on this account for transaction charges assessed by non-Zions Bancorporation, N.A. ATM operators when using Nevada State Bank Visa® Debit or ATM Cards. A D I V I S I O N O F Z I O N S B A N C O R P O R AT I O N , N . A . M E M B E R F D I C

EQUA L H OUS I N G L E N D E R N M L S # 467014

©2026 Zions Bancorporation, N.A. 4707741-260429


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