195 Silas Deane Highway, Wethersfield, CT 06109 / 800-842-1778 / 860-563-2617 / www.dutchpoint.org

Winter 2016 Newsletter

The beginning of a new year is an exciting time for all of us. We can look back at our accomplishments from the previ-ous year and look forward to our plans and dreams for the New Year. This past October marked your credit union’s 55th anniversary. While many financial services providers have come and gone over the past 55 years, we have thrived and remained strong due to the support and loyalty of our members. We look forward to being here for you for many more years to come.

I am pleased to say 2015 was another successful year for your credit union. Our focus was on providing you with out-standing financial services, convenient ways for you to conduct your business with us, and to continue to provide the highest level of account security. Last year we introduced a new responsive website design, providing easier navigation and a uniform look across all online devices. For those who use newer Apple devices, we introduced Apple-pay as a way of streamlining your purchase transactions in a safe and convenient manner. For your increased security, online banking was enhanced with a more complex login password and we introduced EMV chip technology for our Visa credit cards, making your credit card transactions at retailers safer.

As we move forward in 2016 we expect to be very busy. New enhancements are planned for our electronic delivery channels to make it easier to do business with your credit union. When Samsung and Android Pay become available we look forward to implementing that technology for your shopping convenience. We will continue to enhance our loan products to help you with your financing needs and fit you with the best loan solution for your lifestyle. And, of course, we will continue with programs and events that have proven themselves popular with all our members, that include per-sonalized credit reviews, financial education and budgeting, and community shred days.

We often receive emails or letters from members telling us about their experience with Dutch Point. Here is an email from a member I would like to share with you. Dutch Point is first and foremost a wonderful friend. The Representatives with whom I interact are top notch in their skill and abilities, assisting me and my family in whatever is needed. Wheth-er it is a loan, online banking, mortgage advice and more, these team members glow with professionalism, respect, and kindness. The employees are worth their weight in gold. As a family, or as an individual, I’d want them on my side. Thank you all so very much for always being there, and, for always saying..............YES WE CAN. Carl D., Member Since 1998.

We appreciate and value member feedback, not just telling us how well we are doing, but letting us know what we can do to improve or be better. We may not always be able to meet your request, but rest assured we will continue to work hard to meet your everyday financial needs.

Our commitment to you and to the communities we serve is to continue to move the credit union forward by providing exceptional value, convenience, and the highest level of service each and every day. From all of us at Dutch Point we wish you a happy, healthy and prosperous New Year.

Warmest Regards,

Francis R.N. ProtoPresident and CEO

Message from the President and CEO

2015 Newington Shred Day

Apply today at 800-842-1778 or

www.dutchpoint.org.

What’s Your Dream for 2016?Is this the year you buy a new home? We can help!

Take advantage of our great mortgage program and get a $250 Visa® gift card. (Apply by 3/31/16 to qualify.)

There is much more to the mortgage business than crunching numbers and calculating interest rates. For us it’s all about helping members realize their dreams. At Dutch Point we offer the following to meet your mortgage needs:

To learn more about our mortgage program, call 800-842-1778 or

visit www.dutchpoint.org.

Perhaps you are in the market for a new car?

• Wide range of products to choose from• Competitive interest rates and low fees• Timely decisions and seamless closing• No points options

With an auto loan from Dutch Point, you will enjoy local service -- plus we offer:

The holidays are over, but not your expenses if you have debt on high- rate credit cards.

Transfer your high-rate credit cards to a Dutch Point Visa Platinum Rewards Card and get a transfer rate of 2.99%APR on balance transfers for 12 months. Your rate then reverts to as low as 8.99%APR, lower than most store credit cards and bank cards.

• No Balance Transfer Fee• Free Rewards Program

APR - ANNUAL PERCENTAGE RATE. Rate available for 12 months from the date of your first qualifying balance transfer transaction. After the promotion period ends your rate returns to your standard APR. Rate based on creditworthiness. Mini-mum transfer balance $100. Rate subject to change. Certain conditions may ap-ply. Promotion may not be combined with any other CU offers or discounts. Exist-ing CU loans/debt do not qualify for promotion. Offer expires March 31, 2016.

Apply today and you will enjoy —

Stop Abominable Holiday Debt!

2.99%APR for one year!

• OnLine Account Access/eStatements• Free Year-End Statement Summary

• New/Used vehicle loans with extremely low rates

• Flexible terms• Fast approval process• Apply 24/7 online or over the phone• Purchase or refinance• 90-day deferred payment• Local financing

To learn more call 800-842-1778 or online at www.dutchpoint.org.

Save to Win is a special savings account at Dutch Point Credit Union

that gives you all the benefits of having a savings account - plus more! You get chances to win

$5,000 quarterly prizes, plus monthly cash prizes! Every $25 deposit into this certifi-cate helps build your savings

and gets you another chance to win -- up to 10 chances every month.

Plus, all the money you deposit into the Save to Win account is still yours, with interest! To participate, account holders must be 18 years or older and live in Connecticut.

Call today to learn more about Save To Win.

Tell your friends and family to say good-bye to big bank fees and you’ll each get $50. It’s Easy -- All they have to do is become a member of Dutch Point Credit Union and open a DPCU checking account. If your friend or family member opens a checking account with the following: eStatement, Direct Deposit* and a DPCU Debit Card -- You Both Receive $50.

It’s Simple -- Just tell them about the value of membership with Dutch Point and how easy it is to become a member. All they have to do is visit our website at www.dutchpoint.org and complete our simple online membership form. That’s It!

* In order to qualify for the $50 referral bonus the new member must open one of our 3 checking accounts and have the following services with the account: Debit Card, eStatement, and Direct Deposit of at least $100 per month. After the qualifying conditions are met, the bonuses will be paid within 60 days. This offer is avail-able for a limited time only. Must open a $5.00 savings account to be eligible for membership. For tax purposes 1099’s will be sent to the IRS for incentives paid.

Credit Union Branches and Contact Information

Call Center: 860-563-2617 / 800-842-1778 Website: www.dutchpoint.org Email: windmill@dutchpoint.org

Wethersfield: 195 Silas Deane Highway Newington: 465 Willard Avenue Niantic: 8 West Main Street West Hartford: 50 South Main Street (Town Hall) Bloomfield: 1 Wintonbury Mall Berlin: 107 Selden Street

Lost/Stolen Cards: DPCU Visa Card - 800-449-7728 -- Debit Card - 800-472-3272

Holiday Closings

Monday, January 18th - Martin Luther King, Jr. DayMonday, February 15th - Presidents’ DayMonday, May 30th - Memorial Day

For a complete list of 2016 Holiday closings visit our website.

IMPORTANT INFORMATIONNotice for Visa Check Card Holders

Non-Visa Pinless Debit Transactions:

Privacy Notice - Federal law requires us to tell you how we collect, share, and protect your personal infor-mation. Our privacy policy has not changed and you may review our policy and practices with respect to your personal information at www.dutchpoint.org. We will mail you a free copy upon request if you call us at 800-842-1778.

You may use your Visa Debit Card to initiate both Visa debit transactions and non-Visa debit transactions without using a personal identification number (PIN) to authenti-cate the transactions.

To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe your card through a point-of-sale (POS) terminal and choose to route the transaction over a Visa network.

To initiate a non-Visa debit transaction, you may enter a PIN at a point-of-sale terminal or, for certain bill payment transactions, provide the account number for an e-com-merce or mail/telephone order transaction after clearly indicating a preference to route it as a non-Visa transac-tion. We have enabled non-Visa debit transaction processing on the NYCE or Accel/Exchange network(s).

The rights and protections applicable only to Visa debit transactions, including additional consumer liability limits and streamlined error resolution procedures, as described in your Electronic Fund Transfers Agreement and Disclo-sure, will not apply to transactions processed through non-Visa networks.

Please contact the Credit Union with any questions you may have regarding this notice.

Dorothy J. Sullivan Scholarship - 2016

Dorothy J. Sullivan Scholarship applications for 2016 are now being accepted. The Scholarship was initiated to hon-or and recognize the vast accom-plishments made by Dorothy J. Sullivan during her 43-year career at Dutch Point.

Requirements: To qualify for the DJS Scholarship, the student must be the primary member of his or her own account at Dutch Point Credit Union. The DJS Scholarship application is available at www.dutchpoint.org. Applications must be completed, printed and mailed to the credit union by April 30, 2016. Dutch Point will be awarding up to 5 one-time $1,000 Scholarships to provide students entering their college freshman year with financial assistance toward a college education. Scholarship details, entry information, and any restrictions or conditions can be found online at www.dutchpoint.org.

Privacy Notice

Date: Tuesday, March 22nd Time: 7:00 p.m. Place: 107 Selden Street, Berlin, CT Eversource Cafeteria

2016 Annual Meeting - Save the Date