Visit Our New Branch. Inside this issue: Win $10! 2014 Issue I N. Major Dr. in Beaumont.

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1 2014 Issue I Visit Our New Branch 1795 N. Major Dr. in Beaumont Inside this issue: Home Solutions Page 1 DuGood Lending Center Page 2 NEW Text Notifications Page 4 Board Election Results Page 4 and much more! Win $10! We have three birth dates hidden. If yours matches the exact month, day, and year, call (409) and we ll deposit $10 into your account.

2 Home Solutions Whether you re planning to buy, build, refinance, or use the equity in your home, we can tailor a loan to meet your individual needs. Plus, your loan will be serviced right here at the credit union by people you know and trust. If you ever have a question or concern, our lending experts will take care of you not someone miles away! Mortgage Loans 10% down with NO PMI Low fixed rates Low closing costs Terms up to 30 years No pre-payment penalties Home Equity Loans Use the funds for any purpose Low fixed rates Borrow up to 80% of your home s loan-to-value Terms up to 20 years Refinance every 12 months if you wish No closing costs* Tax advantages check with your tax advisor* Home Owner Express Loans Receive the funds the same day you apply no waiting! Borrow up to $30,000 Terms up to 60 months Use the funds for any purpose Fast, easy application process No appraisal necessary No fees Land Loans Low fixed rates Up to 80% financing Low closing costs Terms up to 15 years No pre-payment penalties Interim Construction Loans Low fixed rates (interest payments only) No duplicate closing costs Easy transfer to a traditional mortgage Local appraisers Low Rates and Discounts At DuGood, you ll always find great low rates and low fees. Plus, we offer loyalty discounts where you can get a.25% rate discount on home equity loans, or half off the origination fee for other home loans. Applying for a DuGood Home Loan is easy and hassle-free. Just give us a call, stop by, or apply online at *No closing costs on home equity loans under $250,000. An appraisal fee may apply. Check with your tax advisor for potential tax benefits on home equity loans. To qualify for a loyalty discount you must have a checking account and one other DuGood loan. Home Owner Express Loans are unsecured loans available for members who currently have a home loan financed with the credit union. Restrictions may apply. Contact the credit union for full details. Access Your Account Anytime, Anywhere: Call 24 - Telephone Access Beaumont Area: (409) Toll Free: Net 24 - Online Access Web Address: Mobile: m.dugood.org or with our mobile app. Mobile App Account access and much more. Available on iphone, ipad, and Android devices. Get it at m.dugood.org/app. Nationwide Account Access Thousands of locations available through our Shared Branch and CO-OP ATM networks. Learn more at. 1 Federally insured by NCUA. Equal Opportunity Lender.

3 President & CEO Jada Kelley Board of Directors Leo Begnaud Chairman Don Albanese Vice Chairman New Major Drive Branch Grand Opening Celebration Dieter Schulz Treasurer Join us at the grand opening of our newest branch, located at 1795 North Major Drive in Beaumont! Our new Major Drive location has over 9,000 square feet and features a full service Lending Center, Investment Center, five-lane drive thru, Safe Deposit Boxes, drive thru ATM, and many other amenities. We re pleased to provide another convenient, full service branch to meet the needs of our members. Terry Early Secretary Dan Harrington Membership Officer Wayne Dionne Larry Ducharme Chester Foret Steve Graffagnino DuGood will be hosting a weeklong celebration filled with door prizes, refreshments, and giveaways*. Plus, we re offering a special new loan promotion! See back cover for more details. Mailing Address P.O. Box Beaumont, TX m.dugood.org or Text us: dugood@dugood.org txt@dugood.org Stop by any branch during April for a chance to win! MONDAY Win: a Gas Grill 350 Pine St. Fax (409) N. Major Dr. Fax (409) Lumberton 695 N. Main St. Fax (409) Port Neches 2501 Nall St. Fax (409) Vidor 1430 N. Main St. Fax (409) Orange 3109 Edgar Brown Dr. Fax (409) Jasper 1061 S. Wheeler Fax (409) WEDNESDAY Win: an ipad THURSDAY Win: Power Tools FRIDAY Win: a Spa Day Ribbon Cutting 10 a.m. - 2 p.m. Beaumont 7505 Eastex Fwy. Fax (409) Win: a Kindle Give us a call: (409) (409) (409) Nederland 4008 N. Twin City Hwy. Fax (409) TUESDAY *While supplies last DuGood Lending Center Lending a Helping Hand At DuGood, we re here to lend a helping hand. Our professional staff has decades of experience and is ready to help you get the money you need while providing a lending experience you ll love. (4/26/80) You ll find we have the best deals and loans for any lifestyle. New or Used Auto Loans and Refinances Mortgage, Construction, and Home Equity Loans Commercial, Real Estate, and Business Loans Boats, Motorcycles, ATVs, and RVs Visa Platinum Credit Cards with Rewards Personal Loans and Lines of Credit Discover How Convenient Getting a Loan Can Be Stop by any DuGood branch or apply online Call our 24/7 Lending Center day or night Use our Mobile App (iphone, ipad, and Android) 2

4 DuGood Tech Services: Saving You Time for What s Important Sometimes there s just not enough hours in the day to make it to your neighborhood branch. And while we love seeing you, we totally understand. Our technology services are fast, convenient, and best of all FREE! They can help lighten your schedule, so you can spend time doing the things that really matter. Mobile App Our app is available for iphone, ipad, and Android. You can use it to manage your money, apply for a loan, find the nearest branch or ATM, and so much more! Remote Deposit Deposit checks no matter where you are! Open our mobile app, snap a photo, and click Deposit Check. It s just that easy. Mobile Banking Not part of the Apple or Android crowd? You can access many of the same features on our mobile app by visiting m.dugood.org. Text Account Access Check your balance or view your history all by text! Register at Then, text the proper commands to CUACCT (282228). You ll receive a reply within seconds. Account Alerts Receive an or text reminder when your balance is low, a payment is due, or a direct deposit is made. There are hundreds of options to choose from! Log in to Net 24 to sign up. Text Notifications New! Sign up to get a text about information that may affect your account, such as disaster recovery efforts or branch closings. Be the first to know about important credit union news! Bill Pay Say goodbye to mail delays, late fees, checks, and postage costs with our FREE online Bill Pay. Enroll by logging in to Net 24. Live Chat Have questions? Talk to a credit union representative on our website. Just click the Live Chat banner. Get answers to your questions without the wait. Text Messaging It s perfect for asking questions about the credit union when you re on the go! Just text your questions to txt@dugood.org. New Tech Service Coming Soon P2P Person to Person Online Payments At DuGood, we re always looking for ways to make money management more convenient for our members. Be on the lookout for our newest technology product, P2P, coming soon. This service allows you to use Net 24 on your computer or mobile device to: Transfer money to or from your accounts at other financial institutions Pay friends, family, or other third parties online all you need is their mobile number or address 3

5 Stay Informed with Text Notifications We re always looking for ways to communicate with our members quickly and effectively. You deserve to know what s happening at your credit union. (10/15/65) That s why we re excited to offer DuGood Text Notifications! This FREE service is a one-way communication channel that sends automated messages about: Information that may affect your account Disaster recovery efforts Branch emergency closings You ll recognize our messages because they will come from DuGood FCU at We encourage all members (primary AND joint owners) to sign up. Any phone that can receive a text message will work. Other Text Services Text Notification is the newest addition to our growing suite of technology services, and is different from any other text service we offer. Text Messaging Chat with a credit union representative by text Text Account Access View account balances and history by text Account Alerts Receive a text or when your balance is low or a payment is due Sign up Today Signing up for DuGood Text Notifications only takes a few seconds. Please register each unique cell phone number separately. Notifications are automated messages and are not set up to receive replies. Sign up using our mobile app, on our website at /text, or just give us a call. One of our friendly credit union representatives will be happy to help. We will never request or share personal, confidential account information via text. Your wireless carrier may charge you to receive text messages if you do not subscribe to an unlimited messaging plan. Contact your wireless service provider for details. To unsubscribe, text STOP to For help text HELP anytime. Your privacy is always protected and your information will not be shared. DuGood Hosts 52 nd Annual Meeting Sign up for s And Stay Connected Thank you to our members, staff, and Board of Directors for making the 52 nd Annual Meeting a great success. Congratulations to our re-elected Board Members: Wayne Dionne Director Steve Graffagnino Director Larry Ducharme Director If you d like to see some of DuGood s most recent accomplishments, check out our 2013 Annual Report. Just visit and look for it under the Member Services menu. We believe that communication is key to a strong relationship! From time to time, we send out s on important topics like: Disaster recovery & branch openings or closings Information that may affect your account Tips on how to avoid viruses and scams Helpful hints about our products & services New products and services Special events, giveaways, and educational opportunities Your time is valuable, and we won t overwhelm your inbox. Sign up online at. 4

6 We Love to DuGood In Our Community Giving back to members and the community is the heartbeat of our credit union. We d like to thank our members, community leaders, and employees for all of their help in our efforts to make Southeast Texas a better place. Last year, DuGood: Volunteered over 1,800 hours Sponsored more than 80 community events Gave back over $530,000 to members and local organizations Donation to Hope Women s Resource Center Nederland Heritage Festival Better Business Bureau Senior Expo Vidor Chamber Breakfast 5 Gift of Life Color Rush Jasper Azalea Festival LifeShare Blood Drive Beaumont branch

7 DuGood Member Perks At DuGood, members matter! We re so thankful that you ve chosen to be part of our credit union family. And to show our appreciation, we re giving back to you with events, giveaways, scholarships, and more. There s a lot to look forward to this spring and summer. Mother s Day Giveaway April 28 May 6 Pamper your mom on her special day by entering to win a relaxing afternoon at the MCM Eleganté Spa. Stop by your local branch between April 28 and May 6 to sign up. The winner will be announced on May 7. Father s Day Giveaway June 2 10 Every guy loves to grill! Surprise your pops with a grill set and a gift basket fit for a king. You can enter at any DuGood location between June 2 and June 10. The winner will be announced on June 11. Student Advisory Council Scholarships DuGood is looking for a few good Lamar Cardinals to help us develop student-friendly products and plan events for youth. It s a great opportunity to learn about the credit union movement and earn a $500 scholarship. To learn more, visit our website or us at students@dugood.org. Enjoy these Great Benefits all Year Financial education for all ages Scholarships for high school seniors Discounts on tickets to Schlitterbahn, Sea World, & Six Flags Discounts on autos & more at FREE Shred Week for Members May 12 May 16 Are papers piling up at your house? It s time to spruce up your space this summer by getting rid of old documents. Bag them up and bring them to your neighborhood DuGood location! Not only does shredding get rid of clutter, it s also a great way to safeguard against identity theft, which is one of the fastest growing crimes in the nation. Staying Safe and Going Green We re always looking out for our members! In addition to free events like Shred Week, we have several products that can help keep your identity safe and secure. estatements Access your credit union statements day or night by logging into Net 24. (7/25/90) It s great for the environment, our credit union, and members. When members utilize estatements, it eliminates paper waste, mail delays, and postage costs, allowing DuGood to save more and give back to you! ID Theft Protection It applies to all your accounts, not just those at DuGood. You can take advantage of our FREE plan or purchase a plus plan for just a few dollars a month. For more tips on protecting your credit union account, visit our Security Center online at. We will be closed for the following holidays: Good Friday Friday, April 18 Memorial Day Monday, May 26 Independence Day Friday, July 4 Labor Day Monday, September 1 6

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