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September 2009
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The Great Gas Giveaway
Contest begins October 1, 2009

Call for Nominations
for DUCA’s Board of Directors.

DUCA Mortgages
Know all of your mortgage options.

We’re Looking For Members “Just Like You”
Let them know it pays to bank at DUCA
You already know it pays to bank at DUCA. You have discovered the high level of service in our branches, DUCA’s competitive interest rates on deposits and loans, and you have already shared in our profits through our unique Bonus Share program. Isn’t it time you shared your experience with your family, friends and neighbours?

Earn up to $150 for referring a new member
Everyone wins when you refer someone to DUCA. Not only will you be helping to grow our membership, but you and the new member could each receive up to $150 depending on the products and services they choose. There is no limit to the amount of people you can refer allowing you to earn even more rewards!*

How can I refer?
If you know someone who is interested in becoming a member, simply fill out a form including information about how we can contact them. Bring it to your local DUCA branch and we’ll take care of the rest.

It pays to bank at DUCA
It won’t take long before the people you referred realize why you do your banking here. They’ll see how it pays to bank at DUCA. It’s time you spread the word - DUCA is looking for members “Just Like You”.
* Some conditions apply. Ask for details.

Children’s St. Nic Party
Enjoy a traditional Dutch family event
Where: Delta Toronto East Hotel, 2035 Kennedy Rd, Scarborough When: Saturday, November 28, 2009 Doors open at 12:00 noon, entertainment begins at 1:00 p.m. Admission $3.00 per person at the door includes entertainment, refreshments and of course a visit from Sint Nicolaas and his Pietermannen. For more information contact the Dutch Canadian Association of Greater Toronto at 416.229.1753. Sponsored by DUCA Financial Services Credit Union Ltd.

Reminders & Notices
DUCA 2010 Calendars
Calendars will once again be available in midOctober in our branches. Be sure to ask for your free copy!

2010 Membership Fees

2010 membership fees of $3.50 per member will be debited from members’ accounts in December 2009.

55th Anniversary Gift Card Set

Christmas Food Parcels
Help the Committee “Netherlands Bazaar”
The Christmas season will soon be upon us and once again the Committee “Netherlands Bazaar” is depending on your cooperation to successfully identify those families who will receive a Christmas food parcel. If you know of any family of Dutch heritage in Ontario, in extreme financial circumstances, we need to hear from you before Thursday, November 12, 2009. Our registered charitable standing was granted on the condition that all recipient needy families were of Dutch heritage. Even with this restriction we are hard pressed to meet the needs of those who qualify and each year we have to carefully select the needy who will receive support. The families who received a parcel last year will not automatically receive one this year. We require confirmation of their current circumstances. Please note that we must know the name, address, telephone number, how many family members, the ages of the children and the reason why they should receive aid. All names given are kept in confidence. Please forward all applications to: G. Spaans, Committee “Netherlands Bazaar”, 15 Pavilion St, Unionville ON, L3R 1N8. If you have questions, please contact, Ge Spaans 905.477.1243, Jannie Thomas 416.498.8706, Anne Mol 905.713.1323, or Greta Niemeyer 416.222.2087. Thank you for your ongoing support.

There are limited quantities of Sabelis Gift Card Sets left. Don’t forget to pick up yours at your local branch today!

Dutch Wire Transfers
DUCA Partners with Deutsche Bank
DUCA Financial Services is pleased to announce our partnership with Deutsche Bank AG Frankfurt. Deutsche Bank is a leading global investment bank in Germany and Europe, with growing markets in North America and Asia, and market presence in 72 countries. What does this mean to our members? Our members will be able to send and receive Euros to/from the Netherlands and Internationally through our new account at Deutsche Bank. Please note that transfers through ING/Postbank or Rabbobank are no longer possible. Members receiving pensions from Holland will have them automatically redirected through to Deutsche Bank so no further action will be necessary. Our account information for Euro wire transfers at Deutsche Bank: Account #: 1749191 00 SWIFT/BIC: DEUTDEFFXXX IBAN: DE17 5007 0010 0174 9191 00 Branch name and address: Deutsche Bank AG Frankfurt Rosmarkt 19, Frankfurt-am-Main, 60311, Germany If you have any questions how this may affect the way you do your banking, contact us at 1.866.800.3822 or


The Great Gas Giveaway
Apply for your MasterCard Today!
Apply for a CHOICE REWARDSTM DUCA MasterCard® today and have the chance to win a year of free gasoline, valued at $1,800 and a $2,500 donation in your name to United Way of Canada. From October 1 to November 25, 2009 when you sign up for a CHOICE REWARDSTM DUCA MasterCard you will receive an entry to win 1 of 6 regional Grand Prizes. The regional grand prizes consist of 12 monthly gas cards of $150 each. That’s not all. In addition, a $2,500 donation will be made in the name of each regional Grand Prize Winner to their local United Way of Canada to distribute to a local charity. These charities address important issues - supporting families in crisis, helping immigrants integrate into society, supporting government/community outreach, training children to become volunteers, teaching environmental sustainability and providing school lunch programs. We offer a number of CHOICE REWARDSTM DUCA MasterCards. Choose which card is right for you, and earn CHOICE REWARDS points for every dollar you spend. You choose which card suits your needs: •	 Low Fee CHOICE REWARDSTM MasterCard •	 Gold CHOICE REWARDS MasterCard •	 Low Fee Gold CHOICE REWARDS MasterCard •	 Platinum Class MasterCard •	 No Fee CHOICE REWARDSTM MasterCard •	 Student CHOICE REWARDSTM MasterCard Talk to the staff at your branch for more details!
*NO PURCHASE NECESSARY. Contest open from October 1, 2009 to 11:59 PM CST on November 25, 2009. Open to residents of Canadian provinces (excluding Quebec) who are over the age of majority. 6 Grand Prizes available to be won (1 per region), each consisting of a one (1) year’s supply of gas payable as 12 monthly gift cards to a local gas station (as determined by the Sponsor), each valued at $150 and a $2,500 donation made to the winner’s local United Way of Canada or charity of their choice (subject to approval of the Sponsor, acting reasonably). Approximate Retail Value (“ARV”) of each Grand Prize is $4,300. Skill testing question required. Odds of winning depend on the number of eligible entries received by region. For full contest rules, please visit www. GLOBAL PAYMENT is a trademark of FIA Card Services, National Association used pursuant to licence. MASTERCARD is registered trademark of MasterCard International Incorporated and is used under licence. CHOICE REWARDS is a registered trademark of FIA Card Services, National Association used pursuant to licence.

Safety Deposit Boxes
Please note that safety deposit box rent for 2009 - 2010 is due and payable on November 1, 2009. The rent plus GST will automatically be deducted from your account. Size 1.5” x 1.5” 2.5” x 5” 2.5” x 10” 5” x 5” 5” x 10” 10” x 10” Fee $ 40.00 $ 48.00 $ 80.00 $ 80.00 + + + + GST 2.00 2.40 4.00 4.00 7.15 = = = = = $ $ $ $ Total 42.00 50.40 84.00 84.00

$ 143.00 + $ 250.00 +

$ 150.15** $ 262.50**

12.50 =

**A rebate of 10% will be paid on these boxes if the member enters the box less than 5 times annually. Note: Seniors (60+) receive 10% discount on all boxes.

Win Free Gas for a Year!



Becoming a DUCA Director
With nominations for directors taking place, some members may ask what it takes to become a director at DUCA. Candidates for director must be nominated by 6 members in good standing. Once the nomination has been received and validated, the nominee will be interviewed by the Chairman of Election and one other sitting director to ensure that the process is understood. Resumes not to exceed 125 words and a current colour picture of the candidate will be printed in the December issue of thePost. Paper ballots will be distributed in the same publication. We will continue offering members the option of voting with a paper ballot, or on-line. Once elected, a director must attend monthly board meetings, usually held on the 2nd Tuesday of each month. In addition, most directors sit on one or two committees, which will result in 20 to 25 meetings per year. All meetings are held during the day. A director’s fiduciary responsibilities are many, however the following qualities make for a good director: •	 Good team player with business experience •	 Understands corporate governance/responsibilities/legal accountability/finance •	 Understands and promotes DUCA’s goals and philosophy of doing business •	 Willing and able to give the time needed for meetings and preparation for them

Call for Nominations
Nominations for candidates for the Board of Directors will be accepted up to December 4, 2009 at 5:00 p.m. A Nomination Form and rules for nominations are included on this page and are available at each of our branch locations. There are 3 Board positions open, each with a three year term. The terms of Henry Buikema, Angela Pollard and Richard Wells have expired. Marten A. Mol Chairman of Election Please drop the completed nomination form off at any DUCA office or mail to the address below to arrive no later than 5:00 p.m. on December 4, 2009. Chairman of Election DUCA Financial Services Credit Union Ltd. 5290 Yonge Street Toronto, Ontario M2N 5P9

Rules For Nominations
Every year, DUCA requests its members to submit names of people who could potentially be directors of the credit union. DUCA has nine directors, each serving a term of three years before they must stand for re-election. Rules for nominations are contained in DUCA’s By-Laws, which are available at all DUCA branches. The deadline for nominations is December 4, 2009. All nominations must be signed by no less than six other members of the credit union whose membership is in good standing. The nominee will signify his or her acceptance as provided on the form. The individual nominated must give a brief (maximum 125 words) personal resume and a recent colour photograph which is to be attached to the completed nomination form. THIS IS A CALL FOR NOMINATIONS ONLY! If more nominations than openings are received, ballots for voting will be issued to every member household early in 2010. A write-up of each candidate will be published in the December 31, 2009 issue of thePost and posted at each branch.
NAME of person nominated

Account Number
SIGNATURE of person nominated

Names of Nominating Members and Account Numbers (Please PRINT)

1 2 3 4 5 6


DUCA Mortgages
We have a Mortgage that Fits Your Needs.
When most people think of a mortgage, they think their options are limited to term and rate. Your home is probably the largest investment you will ever make, so you should take the time to discover all of your mortgage options. At DUCA, we have a mortgage that fits your needs.


Variable Rates From

Fixed Rate Mortgages
When you select a Fixed Rate Mortgage you can take comfort in knowing that your interest rate and payment will not change over the length of your term. DUCA offers fixed rate terms from 6 months to 7 years and a choice of monthly, biweekly, semi-monthly or weekly repayments on your mortgage.


Fixed Rates From

Variable Rate Mortgages
With today’s current low rate environment, DUCA’s Variable Rate Mortgage is a popular choice. Our Variable Rate Mortgage allows you to take advantage of fluctuating interest rates as it is based on our prime rate. With the Variable Rate Mortgage you can lock in to a fixed term at any time. When you select this product, you should monitor changes in the prime rate and consider ‘locking in’ if you feel a fixed rate term is more ideal.

Flex Mortgages
A DUCA Flex Mortgage offers maximum flexibility when it comes to selecting a mortgage to fit your needs. With a DUCA Flex Mortgage you have the ability to structure your mortgage into four different components. Choose between variable rate, fixed rate and PrimeLine (line of credit) products, or select any combination these under the same mortgage. You can even vary the length of terms depending on your preference. This allows you to balance lower variable rates with the security of an unchanging fixed rate.

Multi Mortgages
Thinking about renovating your home? With a DUCA Multi Mortgage, you can access up to $100,000 without paying any legal fees.2 In combination with today’s interest rates, there has never been a better time to invest in your home. A DUCA Multi Mortgage makes it easy to take advantage of current money saving Government programs like the Home Renovation Tax Credit and the Natural Resources Canada ecoEnergy Retrofit Grant.

Bonus Shares
No matter which DUCA Mortgage is right for you, they all carry the added value of Bonus Shares. Let us show you the difference our Bonus Share program can make. Ask us today!

Rates subject to change without notice. 2 Some conditions apply. Ask a loans officer for more details. Processing fee is waived for mortgages exceeding $50,000.


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