Contract of Sale of Lanscaping Business by maq13956

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									FivePoint Credit Union




Dollar Saver             2009 Q3




Classic
Car Sale
- July16th-25th

  Scholarship Winners
  Announced
  Checking for
  Check Scams
             Car Sale
 Classic Southeast Texas, formerly Classic Chevy Cadillac, and FivePoint are teaming up to bring you a
 special promotion starting July 16th through July 25th. Come by Classic during those dates
 and you’ll find specials throughout the lot and on financing. Members will get a .25% discount on their
 auto loan and a chance to get their car note paid until 2010.
 Each loan that is financed through FivePoint will receive a $250 Gift Card.
 Call FivePoint for more information or just come by and take advantage of
                                                                                        ClassicSoutheastTexas.com
 the special financing.                                                                 3855 Eastex Freeway, Beaumont, Texas




Scholarship
Winners                                                                                                       “ECO
Announced
FivePoint is excited to announce the 2009 FYI Scholarship recipients.
We had a very talented group to pick from this year, and we are certain
                                                                                                               TIP ”.
that we have invested our money wisely in these five students.                                                With the high temperatures of
                                                                                                              summer upon us, now is the time
                      Haley Breaux is a 2009 graduate
                      from Nederland High School. She is                                                      to pack away the cool-weather
                      a third generation, lifelong FivePoint                                                  clothes and clear out what you
                      member and plans to study medicine
                      at Baylor University in the fall.                                                       don’t want. Instead of throwing
                                                                                                              away those clothes, consider
                      Cody Warren is a 2009 graduate from                                                     finding a new home for them.
                      Lumberton High School. A member
                      since 1996, he will be attending Texas                                                  Goodwill, Salvation Army or even
                      Tech University in the fall.                                                            consignment shops are classic
                                                                                                              options and not only are you
                      Haley Richardson is a 2009 graduate from Community
                      Christian School in Orange. A member since 2008, she                                    being GREEN, your’re helping
                      had the distinguished honor of being Salutatorian of her                                someone in need.
                      graduating class. She will be attending Sam Houston
                      State University in the fall.

                      Robert Weatherholt is a 2009 graduate from Bridge           Erik Granado is
                      City High School. A member since 2008, Robert had the       a 2009 graduate
                      distinguished honor of being the Valedictorian of his       from Memorial High
                      graduating class. He will be attending Lamar University     School. A member
                      in the fall.                                                since 1998, he
                                                                                  will be attending          Notice on Safe
                      We would like to congratulate all of our scholarship        Stephen F. Austin
                                                                                  State University in
                                                                                                             Deposit Boxes
                      recipients and to wish them good luck in all their                                     The fee for drilling a safe deposit box
                      academic endeavors.                                         the fall.                  will be $150, effective August 15th.
                                                                                                                      New Passwords
           have
 Some Fun
  this Summer
                                                                                                                        Required for
                                                                                                                      Home Banking
                                                                                                                                Starting
 Each year we offer tickets to theme parks at a
 discounted rate. Check the schedule to your favorite                                                                             September 1st
 park and see how much you’ll save by purchasing                                                                                    FivePoint is going the extra mile to
 your tickets through FivePoint. And start enjoying your                                                                                 protect your information.
 summer vacation!
                                                                                                                                                       In an era of identity
    Description of ticket                    Age      our price      gAte price                                                                        theft, FivePoint wants to
    FIESTA TEXAS: San Antonio                                                                                                                   make sure that your financial
    Fiesta Texas - ONE DAY                3 yrs +          $26.90          $49.99                                                       information is as secure as possible. To
    SCHLITTERBAHN: Galveston                                                                                                   increase protection, we are now implementing
    Galveston - ADULT                    12 yrs +          $34.55          $41.12                                     guidelines to help you choose a password for your
    Galveston - CHILD                   3 - 11 yrs         $30.22          $32.46                                     Home Banking that will minimize the risk of someone
    SCHLITTERBAHN: New Braunfels                                                                                      illegally accessing your account.
    New Braunfels - ADULT                12 yrs +          $37.79          $43.29
    New Braunfels - CHILD               3 - 11 yrs         $30.22          $34.63                                     Your new passwords should meet the
    SPLASHTOWN: Houston                                                                                               following criteria:
    Splashtown - ONE DAY                  4 yrs +          $20.29          $35.38
                                                                                                                        • Password should be between 6 and 8 characters
    Splashtown - SEASON PASS              4 yrs +          $59.98          $75.06
    SEAWORLD: San Antonio                                                                                               • Password should not contain leading or
                                                                                                                          trailing blanks
    SeaWorld - ADULT                    VISIT WWW.5POINT.ORG
    SeaWorld - CHILD                    Click on the SeaWorld logo                                                      • Password should contain alpha AND
                                                                                                                          numeric characters

CHECKING FOR
                                                                                                                        • Password will expire every 180 days
                                                           What happened to Smith is one example of a wide
                                                           range of fake check scams carried out in the United
CHECK SCAMS                                                States every year. A Consumer Federation of America
                                                           survey estimates that 1.3 million Americans have been
                                                                                                                      These new guidelines will be implemented September
                                                                                                                      1st. If you have any questions regarding the new
Thousands of Americans learn a painful lesson in           the victim of a fake check scam, with an average loss of   password guidelines, please feel free to contact
banking every day: Waiting for a check to clear            $3,000 to $4,000 per consumer.                             FivePoint Member Services and we will be more than
and then getting access to the money from a bank
doesn’t mean the check has really cleared.                                                                            glad to help you with any concerns.
                                                           The Consumer Federation of America’s tips
Take Harry Smith of New York, who responded                against fake check scams:
to an ad on Craigslist.com for an office assistant.
A woman e-mailed him and said her British
company was starting to sell its product in the
                                                             • Never agree to pay to claim a prize;                   $250,000 Share
United States, but was having trouble dealing
                                                             • Never agree to pay for grants from the
                                                               government or foundations;                             InSurance
                                                                                                                      ProtectIon
with checks from customers. She needed someone
to collect the checks and then send the money to             • Never agree to cash checks and send the
her company.
It was a commission job -- deposit the checks, wait
                                                               money somewhere as part of a job working
                                                               from home;                                             extended to 2013
for the funds to become available at his bank, then          • Never agree to wire money to anyone you                The Helping Families Save Their Homes Act of 2009,
send cash to her, minus 10 percent for Smith.                  have not met in person and known for a                 signed into law May 20, 2009, includes a provision
After Smith checked out what seemed like a                     long time;                                             extending $250,000 share insurance coverage provided
legitimate company on the Internet, he started                                                                        by the National Credit Union Share Insurance Fund
receiving checks totaling several thousand dollars           • If it seems suspicious, consult your state
                                                                                                                      through December 31, 2013. Previously, this level of
and deposited them in his account. When his bank               or local consumer protection agency, the
                                                                                                                      coverage was set to expire December 31, 2009. NCUA
released the funds, he sent cash to an address                 Federal Trade Commission, the U.S. Postal
outside the country.                                                                                                  will shortly update its guidance about share insurance
                                                               Inspection Service or another trusted
                                                                                                                      coverage to address the provisions of the new law.
But after a few weeks, his bank notified him                   source; and
                                                                                                                      Information about NCUA insurance coverage is available
the checks he had deposited had actually been                • Remember that there is no legitimate                   online via the Share Insurance Tool Kit at http://www.
returned, and that he owed the bank all the                    reason why anyone who wants to give you a
money he had withdrawn.                                                                                               ncua.gov/Resources/ShareInsuranceToolkit.aspx.
                                                               check or money order would ask you to send
Smith has not heard from his business partner                  money anywhere in return.
since and doesn’t even know who she really is.
He still owes his bank money, is unemployed and
doesn’t know what action the bank might take               (“Checking for Check Scams,” CNNMoney.com,
against him.                                               Scott Spoerry, CNN senior producer, May 28, 2009)
Work WIth                                                                                                                               And The Big
                                                                            (Pictured L to R: Barbara James, Member;
                                                                            Kyna Garrett, Assistant Store Manager, Beaumont)


Someone                                                                                                                                 Winners Are…
you truSt!                                                                                                                              In April, FivePoint held a “Greetings from Hawaii”
                                                                                                                                        loan promotion and the grand prize for one lucky
                                                                                                                                        member was a vacation worth up to $5000. The
                                                                                                                                        promotion was a huge success and the lucky winner
                                                                                                                                        was Barbara James. Congratulations to Barbara!


                                                                                                                                                                              James Deleon




                                                                             We also had a “Yard Sale” Home Equity and Mortgage
                                                                             loan promotion and the winner received $10,000 in
                                                                             landscaping from Jay’s Landscape in Beaumont.
            Matt Borel
                                                                             Not only did we give away the big prize, we also gave
A Message from the MEMBERS                                                   each member that funded a loan a gift card worth
Financial Services Program                                                   $100 to Jay’s Landscape.
  • Is your retirement money invested properly?                              The promotion ran from May 1st through June 31st
  • Will you have enough income in retirement?                               and the lucky member that received the FREE
  • How will you pay for a child’s education?                                landscaping was James Deleon.
  • Financially, what would happen to your family
    if you died?                                                             Look for the before and after
  • How will you pay for long-term care?                                     lanscaping pictures of Mr. Deleon’s
The Members Financial Services Program                                       home in our next issue of Dollar Saver.
located at FivePoint Credit Union has one
objective: to help you reach your financial
goals. We’re here to help you make sound
financial decisions consistent with your risk
tolerance, investment time-lines and goals.

The program works in cooperation with your
credit union and complements the products
and services the credit union makes available to
you. Together we can provide a total package to
help you realize your full financial potential.

When it comes to insurance and investments,
we understand the importance of a trusted
partner. Contact Matt Borel, Members Financial
Services Representative, today at 409-984-2270
for a no-cost, no-obligation appointment.


                                                                           OuR BRIDGE CITy
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


                                                                           STORE IS BACK
advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (866)
512-6109. Nondeposit investment and insurance products are not
federally insured, involve investment risk, may lose value and are not
obligations of or guaranteed by the financial institution. CBSI is under
contract with the financial institution, through the financial services
program, to make securities available to members.                          The devastating floodwaters of Hurricane Ike destroyed our Bridge City Store. For eight long months, FivePoint
B2MM-0205-8114                                                             employees worked tirelessly to serve our Bridge City members through our Community Store and a temporary
                                                                           building. On May 5th, the official ribbon was cut and the grand opening of the new and improved Bridge City
                                                                           Store was put into play. Stop by and say hello and be sure to check out the newly renovated FivePoint store.
                                                                           We are pleased with the new layout and we think you will be too!
                                                 Out & About
                                                       with FivePoint
 Relay
        for Life
 FivePoint Credit Union employees, family
 members and friends participated in the Relay
 for Life walk on April 24, 2009. The event was held
 at Bulldog Stadium, which benefits the American
 Cancer Society. The FivePoint Relay Team, called
 FivePoint Fury, raised $25,034.57 and was named
 2009’s Super Team of the year! Also, one of the
 credit union’s employees, Candy Harrison, was
 named 2009’s Leader of the Pack.                         This award is given to a cancer survivor who
                                                          demonstrates the true spirit of Relay for Life
                                                          through leadership, fundraising and advocacy. We
                                                          are all so proud of you Candy! FivePoint would like
                                                          to thank our corporate sponsors Texas Auto Works
                                                          Collision Center, Vin’s Paint and Body Shop, SE Texas
                                                          Collision Repair Group, Like New Automotive and all
                                                          other business and individuals who contributed to
                                                          our team. The staff of FivePoint would also like to
                                                          send a big thank you to our membership and the
                                                          community for their support of this noble cause.
                                                          Without your contributions we would have never
                                                          reached our goal.




FivePoint Credit Union
Donates $10,000
to Bridge City Project Graduation
John Gothia, President of the Bridge City Project
Graduation Committee, turned to the media to
ask the golden triangle for help. Bridge City was
short $25,000 from the 2008 fund raising figures.
Because of Hurricane Ike the donations were down
and fundraisers didn’t flourish like in the past. He
said Bridge City wanted to give their students the
celebration they deserve and asked anyone to
contact him to donate money or giveaways.
FivePoint Credit Union answered his call by donating   Committee. “We heard this and thought it would be a really great opportunity and a great cause,” Erik Shaw
$10,000 to Project Graduation. Erik Shaw, President    said. “What better way to give back to the community than to give the kids some place to go on graduation
and CEO of FivePoint, presented the $10,000 check      night.” “This is a huge boost to our funds,” Gauthier said. “I was probably speechless, which is really hard for me. This
to the graduating seniors, BCISD staff and Board       just goes to show that the community will respond if you let them know what your situation is. FivePoint definitely
members and the Bridge City Project Graduation         went above and beyond here.”
Out & About Continued
                                                                IRAs Play an Increasingly
CARE Fund                                                       Important Role in Saving
2008-2009
Employees have had another successful year raising              for Retirement
money for the CARE Fund, Community Action for                   To ensure a financially secure retirement, Americans will rely on the “three-legged stool” of retirement savings in which
Responsible Employees. In May of last year, employees           Social Security, employer-sponsored retirement plans, and personal savings provide income during retirement.
selected two charities in the area that needed our help.        As retiring baby boomers put added strain on the Social Security system and company-sponsored retirement plans are
They were Family Services of Southeast Texas (Women’s           replaced with defined contribution plans, IRAs play an increasingly important role in saving for retirement, according to
and Children’s Shelter) and the Humane Society of               the most recent report from the Investment Company Institute, the national association of U.S. investment companies.
Southeast Texas.                                                The report found that IRAs represent more than one-quarter of U.S. total retirement assets and account for 10% of all U.S.
                                                                household financial assets.
                                                                As of May 2008, 41% of households owned an IRA and the traditional IRA was
                                                                the most common IRA type. Twice as many households own traditional
                                                                 IRAs (32%) as own Roth IRAs (16%), due in part to rollovers from
                                                                employer-sponsored retirement plans. A Traditional IRA may
                                                                provide you significant immediate tax saving, and due to the
                                                                deferral of all taxes on earnings, the power of compound earning
Employees donated a small portion of their paycheck in
                                                                is strengthened.
order to give back to the community. FivePoint is proud to
say that each organization received a check for $1422.76.        With a Traditional IRA:
The check presentations were made at a breakfast                    • Earnings accumulate tax-deferred
reception on June 10th. Plus, during the past year,
                                                                    • Contributions are tax-deductible if you qualify
employees have gone the extra mile to help with some
immediate needs of these organizations.                          Roth IRA’s offer unique and exciting savings opportunities,
                                                                 and they’ve gotten better over the years. Roth IRAs give
Women’s and Children’s Shelter:                                  many members an easy and safe way to plan for
 · A clothing drive was held to help the SACS resale shop        the future.
   in the Colonnade shopping center. The proceeds from
   this resale shop go toward helping with expenses of the        With a Roth IRA:
   shelter.                                                         • Contributions are allowed at any age
 · FivePoint employees collected enough clothes to fill               (with earned compensation)
   two large vans. The employees also collected additional          • Qualified distributions are tax-free
   laundry and dish soap, cleaning supplies, baby wipes,            • Flexible withdrawal options are available
   brooms, paper towels, shower shoes, hair products,
   razors and tooth paste in order to stock the pantry with
   everyday items.
For the Humane Society:                                                                                                        It’s
  · An extra collection was held to help with immediate
    needs. Those donations went toward a new floor scale                                                                       AlreADy
    to weigh the animals inside the shelter instead of having
    to take them to the clinic.                                                                                                hurrIcAne
                                                                                                                               seAson.
  · Other immediate items included bleach, office supplies
    and the extra $200 needed to sponsor 3 dog beds.
The participants of the CARE Fund are so very proud of
what they could do to give back to the community and
the difference they could make in someone’s life.



NEW Website
  coming soon
  A new look is coming to FivePoint’s website.
  We are currently redesigning our website and you’ll
  find a few things easier to navigate. You’ll be able to        Are you PrePAreD?
  login to your account right from the home page and             Pick up your hurricane Preparedness card today! In
  have more information at your fingertips. By making            case of an evacuation, this card has important phone
  the site interactive, you can watch the latest FivePoint       numbers and routing numbers you might need. It’s
                                                                 information you can use right at your fingertips. these
  video, view community photos and give us feedback,
                                                                 wallet-sized cards are available at any of our FivePoint
  all from our new website. And if you want to do a              stores, or you can simply cut out the information in this
  little banking, you certainly can do that too! Log on to       Dollar saver and take it with you. remember, we’re here
  www.5pointcu.org and watch for the new design.                 for you, no matter where you are.
                                                          We would like
  Employee                                                to hear from you
Anniversaries                                            We are conducting a survey and need your
                                                         feedback. We would like to know how many
                                                         of our business members are currently using
                                                         or would be interested in using QuickBooks.
                                                         QuickBooks would be a FREE service to
                                                         merchants who have a business account with
                                                         us. Give us your feedback by emailing us at
                                                         info@5pointcu.org.


                                                         Credit Card
                                                         Balance
Jennifer Webb      Theresa Moyers      Melissa Kenny     on Home
5 Years            5 Years             5 Years           Banking
                                                         Now Active
                                                         Exciting news in Home Banking.
                                                         Now you can access your FivePoint credit
                                                         card balance while you are logged into Home
                                                         Banking. Look for the Credit Card tab at the top,
                                                         click on it and that’s it! You will be able to select
                                                         your card(s) and look at transactions, statements
                                                         and make payments, all within Home Banking.
                                                         No need for multiple passwords.
Sara Glass         Cheri Smith         Theresa Edwards
5 Years            10 Years            15 Years
                                                             In the market
                                                         for a nice, clean
                                                          pre-owned vehicle?



Kathy Daily        Carol Bertrand      Corliss Jones
15 Years           20 Years            30 Years
                                                           It’s Simple!
      Holiday                                              Go to www.5pointcu.org and click
                                                           on the “Online Tools” button. You can see


 Closings                                                  our selection of vehicles and submit bids
                                                           online. If you want to see them in person,
                                                           stop by our Port Arthur store and look for
 September 7th ....................... Labor Day           the PRE-OWNED sign.

 November 26th - 28th ........... Thanksgiving
 December 24th-26th ............. Christmas                                       Pre-Owned
                                                                                 Vehicles
Port Arthur                          Beaumont                        Lumberton                    Bridge City        Nederland
Mailing Address | PO Box 1366 | Nederland,Texas 77627
800.825.8829                  www.5pointcu.org                 Email: info@5pointcu.org
Lobby Hours                                Drive-Thru Hours                                         Saturday Lobby
Monday-Friday 9 am - 5 pm                  Monday-Friday 7 am - 7 pm                                Nederland
(Port Arthur, Beaumont, Lumberton,         Saturday 9 am - 1 pm                                     9am - 1pm
Bridge City, Nederland)                    Port Arthur, Beaumont,Lumberton, Nederland
                                           Bridge City Store
                                           7:30 am to 6 pm
                                           Saturday 9 am - 12 noon


Off Site ATM Locations
 BeAuMOnT                        FastLane # 16                 GROVeS                     PORT ARTHuR
 FastLane # 2                    205 IH – 10 North             FastLane # 27
 190 North Major                                               3911 Pure Atlantic         FastLane # 18
 Drive                           FastLane # 24                                            3648 Hwy 73
                                 3875 IH – 10 South            FastLane # 29
 FastLane # 3                                                  5410 West Parkway          SILSBee
 5610 College Street             FastLane # 25                                            Super Wal-Mart
                                 2245 IH – 10 & Wash-          JASPeR                     Murphy Oil Station
 FastLane # 5                    ington                        Super Wal-Mart
 3890 IH – 10 South                                            Murphy Oil Station         VIDOR
                                 FastLane # 26                                            FastLane # 4
 FastLane # 6                    10915 Eastex Fwy              LuMBeRTOn                  Hwy 105 & FM 1132
 1755 East Cardinal                                            FastLane # 1                                                      Please
 Drive & MLK                     FastLane # 28                 901 North Main             FastLane # 14
                                 1650 West Cardinal Drive                                 695 West Railroad                      do your
 FastLane # 9
                                 FastLane # 33
                                                               neDeRLAnD                                                         part and
 2810 Eastex Fwy                                               FastLane # 12              WeST ORAnGe
                                 4115 East Lucas               104 Memorial Hwy           Super Wal-Mart                         recycle
 FastLane # 10
 7395 Hwy 105 &                  FastLane # 34                 FastLane # 17
                                                                                          Murphy Oil Station                     this
 Major Drive                     195 IH – 10 North             839 Nederland Avenue       WInnIe                                 newsletter.
                                                                                          FastLane # 13
 FastLane # 11                   Jefferson County              Southeast Texas Regional   IH – 10 & FM 1663
 255 Dowlen Road                 Courthouse                    Airport
                                 Pearl Street
 FastLane # 15
 10910 Eastex Fwy                Lamar Montagne Center



                                                                                                                                       Presort Std
                                                                                                                                       U.S. Postage

                                                                                                                                       PAID
                                                                                                                                     PC Mailing Services
Money for Loans. Right here at Home.                                                                                                       78217


PO Box 1366 | Nederland, Texas 77627

								
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