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GET A LOAN. CHOOSE YOUR REWARD. PAGE 2 FOURTH QUARTER 2016 CHOOSE NECHES



2NECHES FEDERAL CREDIT UNION · FOURTH QUARTER 2016

GET PRE-APPROVED HOLIDAY RATES CREDIT CARD HOLIDAY RATE: ON YOUR NEXT AUTO LOAN.. HOLIDAZED Your sweetest holiday dreams….. Now come with extra savings. 8 ‘TIS THE SEASON TO GIVE... 1.9% APR* on credit card ATNOSDMWRAIENRGTAIST4VT0E! ”R Neches FCU has what you purchases* made during By being pre-approved you need to help relieve the will have greater purchasing stress of trudging to the November 1 – December 31, 2016. power at the dealership and mailbox in January only Cardholders will have six months to save time and money. You to find a slew of bills from holiday purchases at holiday rate. will know exactly what you can afford and how much Christmas shopping Sprees. $2,500 SHOPPING LOANS: your monthly payments will be. This will cut out a lot of Do you find that Christmas shopping time waiting and haggling at sometimes leaves you feeling like the dealership. Uncle Scrooge? Reduce stress with a special $2,500 signature loan from 40”SWMINARAT TV! Neches FCU. Rates as low as NECHES FCU GIVEAWAY SUBJECT TO TERMS AND RESTRICTIONS OF 7.50% NECHES FCU. THE GIVEAWAY WILL END ON NOVEMBER 15TH. For more information: Call a loan officer at 409.722.1174 or visit nechesfcu.org. All payments will apply to interest, fees, and promotional balances first. Late payments may cause your APR to revert back to the standard purchase rates prior to the end of the promotional period. Cash advances and balances transfers are excluded from the promotional rate. Your APR will revert back to the standard purchase rate disclosed in your credit card agreement at the end of the promotional period. Not all cardholders will qualify for this rate. 2016 COUPON HOLIDAY SKIP-A-PAYCheck one box for the month in which you would like to Skip-A-Payment. NOVEMBER DECEMBERNAME: ADDRESS: CITY: STATE: ZIP: HOME PH: WORK PH:CREDIT UNION ACCOUNT # SUFFIX(ES): SIGNATURE: DATE: Return Skip-A-Pay Coupon to the credit union office or mail. Neches FCU, P.O. Box 1118, Port Neches, TX 77651. You may drop the coupon off at any of our 11 locations.*Subject to approval.ALL loans must be current in order to be eligible for Skip-A-Pay program. Loans excluded from this offer include Visa, Mastercard, Real Estate related loans, Line of Credit and Holiday Loans. If approved, this skip-a-payment will amend the terms of your loan or loan advance. Except for the amendment to your payment schedule, all other terms of your loan or loan advance willremain unchanged and in effect. Interest will continue to accrue on all loans affected by this program, and the maturity date on each loan skipped will be extended by one month.Your regular payment schedule will resume in the month or next payment period immediately following the skipped payment. If GAP was purchased on this loan, skipped payments may cause a shortage in coverage. The primary borrower must be the person requesting the skip payment. Neches FCU reserves the right to decline skip payment requests at our discretion.

2016 CASINO SANTA BUS TRIP IS COMING TO NECHES FCU Join us as we take another trip this year to the Grand Casino Santa will return to Neches Federal Credit Coushatta, Wed., Nov. 9, 2016. Union to take his picture with members for Free and hand out our special Christmas Members who plan to go on the trip goodies. Don’t miss the fun! are asked to arrive at 8:30am at 2239 Nall in Port Neches or at 1955 Dowlen Santa’s sleigh will stop at these locations Rd in Beaumont. The buses will from 3pm - 5pm on: depart around 9 am from the credit union and will arrive back around • Monday, December 12th - 299 Country Lane 5pm. A $10 deposit is due by Friday, Drive, Lumberton Branch November 4, 2016 to reserve your • Tuesday, December 13th - 776 Magnolia, seat. We have three buses going so Port Neches Branch hurry and reserve your seat today! • Wednesday, December 14th - 1955 Dowlen, Seats available on a first come first Beaumont Branch serve basis. • Thursday, December 15th - 410 Texas Ave, Bridge City Branch FOR RESERVATIONS CALL • Friday, December 16th - 2623 Nederland Ave, 409.749.6321 Nederland BranchFAMILY PORTRAITS NFCU Neches FCU members are invited to OCPREEDNITHUONUIOSNE join us for Family Portraits. Friday, October 21, 2016 11am – 2pm Portraits are available by appointment only at the following locations. Credit Union week is upon us Members are invited to visit again! Neches Federal Credit the credit union and will be • 776 Magnolia, Port Neches, Friday, Union is celebrating the year eligible for giveaways and November 4th – Sunday, November 6th 2016. We want to thank you door prizes. The credit union • 1955 Dowlen, Beaumont, Friday, November for making your credit union will serve members BBQ 18th – Sunday, November 20th stronger. chip beef sandwiches and Members will receive one free 8x10 portrait. beverages at all locations from Offer limited to one free portrait per family. This year Neches FCU is 11am to 2pm.* Photography by: C & G Photography; Call to hosting its annual Open schedule your appointment today: House on Friday, October *while supplies last 749-6321 21, 2016 in celebration of International Credit Union Day. 4NECHES FEDERAL CREDIT UNION · FOURTH QUARTER 2016

ATMS NFCUNECHES FCU WEB SPOTLIGHT ATM LOCATOR 0 . Part of what makes owning a Neches Neches FCU’s  ‘Shop Local’ FCU Debit Card with Rewards so great helps members do business in SETX. is the ability to access over 100,000 surcharge free ATM’s across the Did you know...Neches offers FREE advertising for Neches Business country. To help locate your nearest Members. Are you looking for marketing and networking opportunities ATM we provide you with a ‘Surcharge that won’t cost you? nBusiness is a business directory located on free ATM’ search locator at both Neches’ website that allows Neches business account members FREE nechesfcu.org and within our Neches advertising. It also creates a referral and networking opportunity FCU iPhone and Android apps. between businesses. By buying from your friends and neighbors in the NFCU community we are supporting each other and our local economy. This locator allows you to search Neches FCU branches, ATM’s, and Have your business listed in the directory by following the application shared branches by zip code or by your form online or by emailing [email protected].  current location. Visit nechesfcu.org for more details.REDUCINGYTOHUERRMISOKNOEFYOUTLIVING BY MARIOREEN GIBSON FINANCIAL ADVISOR, NECHES RETIREMENT AND INVESTMENT SERVICES (409) 749-6315 :: [email protected] that Social Security benefits might Understand that you may need to workshrink in the future.  Today, there are three part time in your sixties and seventies.workers funding Social Security for every The income from part time work can be anretiree. By federal estimates, there will be economic lifesaver for retirees. Suppose youonly two workers funding Social Security for walk away from your career with $500,000every retiree in 2030. Social Security’s trust in retirement savings. In your first year offund is projected to run dry before 2034, and retirement, you decide withdraw 4% of thatCongress may intervene to rescue it before for income, or $20,000. At that withdrawalthen. The strain on Social Security will rate, not even adjusting for inflation, thatmount over the next 20 years as more and money will be gone in 21 years. What ifmore baby boomers retire. With this in mind, you worked part time and earned $20,000-there’s no reason not to investigate other $30,000 a year? If you can do that for fivepotential retirement income sources now. or ten years, you effectively give your retirement savings five or ten more years to last and grow.Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc.(CBSI), member FINRA / SIPC a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (866)512-6109. Non-deposit investment and insurance products are not federally insured, involve investment risk, may lose value and arenot obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financialservices program, to make securities available to members.

BACK TO SCHOOL Members enjoyingAltus Back to School Event NEDERLAND FOOTBALL NECHES NIGHT MIRACLE JEANS DAY AT THE NFCU BRANCHES! CCOORMNMEURNITY Neches Federal Credit Union having fun and giving back to the community every month!EMPLOYEES POSE WITH THE BEST CREDIT UNION BUM PHILLIPS TROPHY! NFCU voted Best CU by the Reader’s Choice! LUMBERTON CHAMBER EVENT 6NECHES FEDERAL CREDIT UNION · FOURTH QUARTER 2016

P.O. Box 1118 | Port Neches, Texas 77651-1118nechesfcu.org Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States MANAGEMENT BOARD OF DIRECTORS Government. This newsletter is informational in nature and does not purport to give legal, tax or financial advice. Jason Landry������������������������������� President/CEO Buddy Spivey, ChairmanLOCATIONS Vickie Conkle ��������������������Senior VP of Operations Dave Bennett Paula Cappadonna�������������� Senior VP of Finance George Bryant, IIIPORT NECHES – Magnolia Ken Dollinger776 Magnolia | 409-722-1174 HUMAN RESOURCES Bobby GibsonLobby: M-Th 9am-5pm | Fri 9am-6pm John HammondDrive-Thru: M-Th 7am-5pm | Fri 7am-6pm | Sat 9am-12noon Kristen Stewart.��������������� VP of Human Resources Ronn Harmon Jay HillinPORT NECHES – Nall INFORMATION SYSTEMS Andrea Johnson2239 Nall | 409-727-1639 Mark MajorsLobby: M-Th 9am-5pm | Fri 9am-6pm | Sat 9am-12pm John Heard������������������������������������������������ VP of IS Charles SanfordDrive-Thru: M-Th 7am-5pm | Fri 7am-6pm | Sat 9am-12noon LOANS ADVISORY BOARD MEMBERSPORT NECHES – PNG High School409-722-1174 Lisa Rowland ������������������������������������ VP of Loans CJ IsomM-Fri 7:30am-3:30pm Kristin Butler������������������������������������ AVP of Loans Linda Thomas Wayne Stokely�������� Commercial Lending Manager James SmithNEDERLAND Marsha Dougharty������������ Collections Supervisor2623 Nederland Avenue | 409-729-2831 SUPERVISORY COMMITTEELobby: M-Th 9am-5pm | Fri 9am-6pm MARKETING & BUSINESS DEVELOPMENTDrive-Thru: M-Th 7am-5pm | Fri 7am-6pm | Sat 9am-12noon John DeVillier Jason Duplant ������������� VP of Marketing & Business Darnell HansonNEDERLAND – Nederland High School Pattilea Wilson409-722-1174 DevelopmentM-Fri 7:45am-3:30pm Dawn Fournier����������AVP of Business DevelopmentBEAUMONT – Dowlen1955 Dowlen Road | 409-860-0800 ACCOUNTINGLobby: M-Th 9am-5pm | Fri 9am-6pm | Sat 9am-12pmDrive-Thru: M-Th 7am-5pm | Fri 7am-6pm | Sat 9am-12pm Jill Sandberg���������������������������� AVP of AccountingBEAUMONT – Pearl MEMBER FINANCIAL SERVICES1254 Pearl Street | 409-832-4936Lobby: M-Th 9am-5pm | Fri 9am-6pm Marioreen Gibson����������������������Financial AdvisorDrive-Thru: M-Th 7am-5pm | Fri 7am-6pm MEMBER SERVICESLUMBERTON Alta Frazier���������������������AVP of Research & Product299 Country Lane Drive | 409-299-5277Lobby: M-Th 9am-5:30pm | Fri 9am-6pm NALL BRANCH Development/MSRDrive-Thru: M-Th 7:30am-5:30pm | Fri 7am-6pm | Sat 9am-12noon Kelly Chatelain �������������������������� Branch ManagerLUMBERTON – Lumberton High School409-299-5277 DOWLEN-BMT BRANCHM-Fri 7:30am-3:30pm Kelly Hellweg������������������������������ Branch ManagerBRIDGE CITY410 Texas Avenue | 409-238-6400 DOWNTOWN-BMT BRANCHLobby: M-Th 9am-5pm | Fri 9am-6pmDrive-Thru: M-Th 7am-5pm | Fri 7am-6pm | Sat 9am-12noon Judy Corbin����������������������������������� Branch Manager NEDERLAND BRANCH Jessi Graham ����������������������������� Branch Manager LUMBERTON BRANCH Tina Warren ��������������������������������� Branch Manager COMPLIANCE Nancy Moseley ���������������������� Compliance Officer MAGNOLIA BRANCH Jacob Devillier����������������������� Frontline Supervisor BRIDGE CITY BRANCH Summer Lynam�������������������������� Branch Manager SERVICE CENTER Megan Woodard��������������� Service Center Manager