Five County CU Donating to End Hunger

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1 Summer 01 Five County CU Donating to End Hunger Courtney Lavigne presenting our Ending Hunger donation to Deb Larrabee, Treasurer of Lisbon Area Christian Outreach. The check was for $1,0.00 to LACO. They run a food pantry for residents of Lisbon, Durham and Bowdoin. This check was presented to Kim Gates, a volunteer with the Bath Area Food Pantry, with Hillary Barone & Jackie Stilphen. $ will buy $3, worth of food, that will go to anyone needing assistance within their service area. Party Palooga Schedule of Events 01 Five County Credit Union is in its th year of a partnership with local company Party Palooga owned by Rob Woodman. Party Palooga has provided free elaborate face painting and balloon twisting at many events in Maine throughout the summer festival season, courtesy of Five County Credit Union. Be sure to stop by the Five County tent at the next event. Visit facebook.com/fivecounty for event times and updates. ROCKLAND LOBSTERFEST - August TOPSHAM FAIR - August SKOWHEGAN FAIR - August SCARBOROUGH SUMMERFEST - August BRUNSWICK ARTS FEST - August GREAT FALLS BALLOON FESTIVAL - Lewiston - August NEW GLOUCESTER COMMUNITY FAIR - August BIW PICNIC - September FREEPORT ARTS FEST - September HOLIDAY AT HADLOCK - December

2 Relay Recap Five County is proud to announce that with the last of our Relay funds turned in, our total raised for this year s 01 Relay for Life comes to $,.7. In addition, the Credit Union increased our corporate sponsorship of this event to $1,00 this year. Five County Credit Union is well known to the local American Cancer Society Office for our support of the Brunswick Relay for Life. This comes from the amount of funds we raise as a team, the fact that the Finance Committee that counts all of the donations consists of Five County employees and the corporate sponsorship that is presented each year. We are proud belonging to an organization well known for doing such great things in our community! Thank you to everyone who participated in this year s Relay for Life, whether you helped plan the event, contributed to our fundraisers or planned one of your own, joined the team and collected pledges from friends and family, pledged a coworker, walked at Relay or showed up the night of Relay in support. It could not have been done without your help and support. Our affordable Home Equity Line of Credit, may be just what you Need. ~ NO Application Fee ~ NO Closing Costs* ~ NO Prepayment Penalties ~ Competitive Rates Visit MaineLendingExpert.com for details about credit costs and terms Call Us Toll-Free at Ask Us to speak with a Credit Union Representative TODAY! *All terms and conditions are subject to underwriting criteria, and may not be available to all borrowers. Present APR of 3.% (current as of 1/17/13) will vary with the Wall Street Journal Prime Lending Rate, based on a margin of 0% to 1.%. In no event shall the APR exceed 18%. Federall Insured by NCUA Leslie Trentalange. (pictured above), paid talent for Five County Credit Union Home Equity Commercial. Scrapbooking for Special Olympics Join us and learn how to preserve your photos and memories in a way that you will be proud to share! Rick Roy will be holding scrapbooking classes on Saturdays 9:00am to :00pm on Sept. 0, 01; Oct. 18, 01; Nov., 01; Jan. 10, 01; Feb. 7, 01; March 1, 01; April 18, 01; and May 30, 01 (subject to change). Contact Rick Roy by ([email protected]) to reserve your table. The cost is $3 per table for each class. Sign up early and the cost is $30. These classes have been popular and there are limited tables, so reserve your space early! Make checks directly payable to Special Olympics of Maine, which may be tax deductible. Supplies will also be available for purchase with proceeds to benefit the Special Olympics of Maine. So start organizing those photos and join us for a day of creating those memories for years to come! Don t Get Burned By Identity Theft This Summer In preparation for summer rays, you ve slathered on sunscreen. Okay, now how about your equally vulnerable personal data? Here are six low-tech ways to avoid being burned by identity theft this summer. 1. Check your accounts every week for unauthorized transactions. Whether you use Online Banking or Mobile Banking, scroll through the transactions. If any of them are unfamiliar, contact us right away.. Create a different password for each online account. Thinking up and remembering unique, difficult-to-hack passwords for each account is difficult, but worth the effort. 3. Don t click on unknown links in an unsolicited . That goes for pop-ups and attachments, too. Any of them may hide spy software.. Go digital to avoid a paper trail. An account statement in the trash can reveal your name, address, account number, and purchase patterns, allowing a scammer to fake new transactions that might not trigger a fraud alert. To foil these felons, sign up for electronic statements.. Don t skimp on antivirus software. Staying on top of worldwide hacker threats takes a big investment of time, skill, and money, so the best brands aren t cheap. Ask your computer guru or check online forums to see what software the pros prefer, and be sure to keep it up to date.. Review your credit report every four months. You can download a free report once a year from each of the three big credit reporting bureaus. Be on the lookout for loans or credit cards taken out in your name, or other people s delinquencies and defaults posted to your account. The report will explain how to report fraud or errors. Last, our fraud alert system flags purchases (particularly big ones) that don t match your usual pattern, so be sure to keep us posted if you plan to use your debit or credit card to pay for a hotel in Nome, Alaska, or buy a pricey home theater. It takes only a few minutes to call and give us a heads-up. That way, you ll reduce the risk of your unusual transaction being declined and help our fraud software catch the really bad guys instead. * The Best Way to Manage All Your Online Passwords, The Wall Street Journal, /7/1

3 Shared Branching Five County is one of 1 Credit Unions in Maine and among,000 nationwide that participates in shared branching. Shared Branching is a service designed to provide alternate locations and extended hours of service to credit union members who belong to participating credit unions. The purpose of Shared Branching is that services can be provided to a member as if the member was transacting business in the lobby of their own credit union. Visit mainecreditunions.org/surfatm-locator for a complete list of surcharge-free ATM s. Five County has 1 full service branches across Maine, 9 locations & our call center are open until 8pm. Come and see us for all of your financial needs. No matter where you re going, we ll meet you there deserve to Isave money with Five County CU Free Visa Balance Transfer No Balance Transfer Fees LOW Rate - Prime plus 3% for the life of the balance* Ask Us about this A significant savings for you! Now is a great time to take advantage of moving your balances to our VISA card, consolidating and paying off your debt! Online Account Management Open an Account Online, /7 It s Easy, Fast, Secure & Convenient Local Service with True Convenience We re here when you need us, in person until 8pm, six days a week Call: Click: Stop By: Visit one of our 9 branches open til 8pm, with other branches open to serve you Read the Fine Print About this Visa Promotion. *Annual Percentage Rate (APR) for promotional balance transfers made from July 1, 01 to Decemner 31, 01 will vary with the market based on the Prime Rate as published in the Wall Street Journal, plus a margin of 3.00% for the life of the promotional balance. Present APR of.% is current as of June 9, 01. This Visa Promo Ends December 31, 01 Federally Insured By NCUA. Helping an Elderly Relative s Finances Stay Secure If you have a parent, other relative, or friend who lives alone and is getting on in years, one of the most caring things you can do is to open a discussion about protecting his or her future financial security. Some tips: 1. Mention your own preparations for the unexpected. You know, Chris and I have given each other a power of attorney in case either of us finds it difficult to handle money matters in the future. I would have extra peace of mind if I knew you d made an arrangement like that, too.. Don t talk gloom and doom. Preparing for possible impairment is just part of planning for the future, like having a will or a health care proxy. 3. Suggest that your loved one meet with an attorney to discuss the best way to safeguard her money. One option is for her to grant someone she trusts the power to make financial decisions on her behalf. This legal power of attorney can be defined as narrowly or as broadly as she wishes. It s to be used only if needed, and she can revoke it anytime.. Assist a loved one who s worried about running out of money. She or he should make an appointment for a financial checkup with a reputable professional. For example, many members of the National Association of Personal Financial Advisors ( will conduct a one-time review for a flat fee of $00 to $1,00. So be brave and have that conversation soon. Years from now, you don t want to regret a missed opportunity to provide someone you love with the financial serenity they deserve.

4 1 9 8 NEWSLETTER CONTEST Complete the Sudoku puzzle below and send in your answers to be entered to win a $0 CASH PRIZE Fill in the blank squares so that each row, each column and each 3 x 3 block contain all of the digits 1-9. Name: Phone: Address: Here s how it works: 1) Entries with the correct responses will be eligible for one $0 cash prize. The winning member will receive funds which will be deposited directly into their savings account that will be given in conjunction with the Summer 01 newsletter. ) Response deadline: October 1, 01, drawing on October, 01. 3) One entry per member per issue. ) Entries can be mailed back, attention: INFORMER, P.O. Box 98, Bath, Maine 030, or can be dropped off at any Five County branch. Congratulations to our most recent winner, Jeff Oehlert from Rockland! Federally Insured by NCUA TRADITIONAL BRANCH HOLIDAY CLOSINGS Labor Day: Closed Saturday, August 31 and Monday, September 1 Columbus Day: Closed Saturday, October 11 and Monday, October 13 Veterans Day: Tuesday, November 11 Thanksgiving Day: Thursday, November 7 Christmas Eve: Wednesday, December Open 8:30-1:00 Christmas Day: Thursday, December New Year s Eve: Wednesday, December 31 Open 8:30-3:00 New Year s Day: Thursday, January 1, 01 NOTICE: MEMBER S CHOICE Credit Life and Credit Disability Insurance is voluntary and not required in order to obtain a loan. If coverage is elected, you have the right to cancel coverage at any time by contacting your credit union. PO Box 98, Bath, ME 030 Five County Credit Union Locations Auburn (WalHMart) Lobby Hours Mon-Sat 8:30am 8:00pm Augusta (WalHMart) Lobby Hours Mon-Sat 8:30am 8:00pm Bath Lobby Hours Mon-Fri 9:00am :30pm Sat 9:00am 1:00pm Drive Up Hours Mon-Fri 8:00am :00pm Sat 9:00am 1:00pm Presort Standard U.S. Postage PAID Farmington, ME Permit No. 30 Bowdoinham Lobby Hours Mon-Sat 8:30am 8:00pm Brunswick Lobby Hours Mon-Sat 9:00am 8:00pm Drive Up Hours Mon-Sat 8:00am 8:00pm Falmouth Lobby Hours Mon-Fri 9:00am :30pm Sat 9:00am 1:00pm Drive Up Hours Mon-Fri 8:00am :00pm Sat 9:00am 1:00pm Lewiston Lobby Hours Mon-Fri 9:00am :30pm Sat 9:00am 1:00pm Drive Up Hours Mon-Fri 8:00am :00pm Sat 9:00am 1:00pm Lisbon Lobby Hours Mon-Fri 9:00am :30pm Sat 9:00am 1:00pm Drive Up Hours Mon-Fri 8:00am :00pm Sat 9:00am 1:00pm Portland Lobby Hours Mon-Fri 9:00am :00pm Rockland Lobby Hours Mon-Thu 9:00am :00pm Fri 9:00am :00pm Sat 9:00am 1:00pm Drive Up Hours Mon-Thu 8:00am :00pm Fri 8:00am :00pm Sat 9:00am 1:00pm Scarborough (WalHMart) Lobby Hours Mon-Sat 8:30am 8:00pm Skowhegan (WalHMart) Lobby Hours Mon-Sat 8:30am 8:00pm Topsham Lobby Hours Mon-Sat 9:00am 8:00pm Drive Up Hours Mon-Sat 8:00am 8:00pm Waterville (WalHMart) Lobby Hours Mon-Sat 8:30am 8:00pm Windham (WalHMart) Lobby Hours Mon-Sat 8:30am 8:00pm Phone Number (in Maine) Serving those who live, work or worship in Androscoggin, Cumberland, Kennebec, Knox, Lincoln, Sagadahoc, Somerset and Waldo Counties.

5 Farleigh Wada Witt. All rights reserved. DAC Part, PP June 011 1

6 Farleigh Wada Witt. All rights reserved. DAC Part, PP June 011