What s Under Your Roof?

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1 S P R I N G A New Look for Our Website We re updating our website to give it a fresh new look. We re also adding some new features that we hope will enhance your online experience. Online Banking Video Our website will feature a video which focuses specifically on our Online Banking program. The video walks you through how to sign up for Online Banking, how to view your accounts, pay bills, make transfers between accounts, and covers several other additional products such as Mobile Banking and E-Statements. Online Q & A Feature We re also adding a knowledge base to our website that will answer your most commonly asked questions. Just look for the Infinity Wizard and type in your question! Over the next few months, we ll be working to add other enhancements to provide further convenience to our members stay tuned for future announcements. INFINITY ATMs Are Now Fee-Free! INFINITY has eliminated its fee for excessive ATM withdrawals. Members can now enjoy unlimited ATM transactions with no fees at any INFINITY ATM. For a list of surcharge-free ATMs in the SUM networks, visit Note: INFINITY has no control over other financial institutions who assess surcharge fees for use of their ATMs. What s Under Your Roof? Your home is a valuable asset that can help you pay for some of your biggest dreams. A Home Equity Line of Credit or 2nd Mortgage Loan from INFINITY lets you convert your available equity into cash. A Home Equity or 2nd Mortgage Loan can be used for just about any major expense home improvements, college tuition, you name it! You may also qualify for no closing costs apply today and ask us how. Home Equity Line of Credit Variable rate as low as Prime Rate % (currently 4.75% APR*) Borrow up to 80% of your home s value 10 year draw period 2nd Mortgage Loan 5 years: as low as 4.99% APR** 7-10 years: as low as 5.99% APR** Fixed rate for term of loan Borrow up to 90% of your home s value ($100,000 maximum) If you re planning a major purchase sometime soon, we can help you discover if you have equity available in your home. For more information, stop by or call any INFINITY office, or log on to to apply online. * Variable rate based on Prime Rate plus a margin. Prime Rate can vary monthly; your APR will be adjusted quarterly. Amount of margin ranges from +1.50% to +4%, depending on your equity and credit history. Maximum possible APR is 18%. **Rate varies based on your equity and credit qualifications.

2 President s Message Given the recent woes of the financial industry and increasing deficit numbers, one can only hope that it all stops soon. The reality is that there may be a slight economic correction but financial institutions are being mandated by reform from Washington. This will make a difference on earnings that, in essence, will be paid for by the consumer. Banking is complex for everyone to grasp and understand. If the current administration is looking for banks to step up and furnish funding for the job markets, it will not likely happen because of the current low financial picture. In my opinion, reform comes a little late and banks should be healthy before taking on the risky business of financing startup companies that will provide new jobs. Even Infinity, with a healthy balance sheet, cannot afford to do risky lending. Business losses are exactly that. It means that institutions will tap other fee sources to recoup their income. So, in other words, getting the economy jumpstarted with jobs is going to be difficult. A few months ago, we mailed out a survey to a random selection of 2,500 of our members. The results were positive and, on behalf of Infinity, I wish to thank you for your input. I am proud to announce some major developments on the operational side that will be implemented over the next few months. First, our web site is in the process of being revamped. We have purchased an informational software piece that will answer questions, via our website, on just about everything at the credit union. This service, available 24 hours a day, will help members get their questions answered, even when the credit union is closed. As a part of this process, all new questions that are not currently on the program will be analyzed and then implemented as part of the database. This, in addition to our current Telephone Banking service and an all new mortgage application capability and a rate watch service, will increase your ability to make quick decisions on your financial needs. See our article about the new website on page 1 of this newsletter, and stay tuned for future announcements. We continue to feel very confident about our financial picture and personally thank you for your continued support and patronage of our services. Respectfully Submitted, Kenneth E. Williams Kenneth E. Williams President/CEO Notice of Annual Meeting & Election of Vacant Directorships INFINITY s Annual Meeting will be held on Thursday, May 6, 2010, at 6:00 p.m., at the Centurion Conference Center, 202 Larrabee Road in Westbrook, Maine (adjacent to Infinity s main office). The Nominating Committee has received the necessary paperwork from two candidates for the two seats available on INFINITY s Board of Directors. The candidates are Pamela Lemieux and Richard Powell. According to the Bylaws, there will be no need to send ballots for the election process, and nominations will not be taken from the floor at the Annual Meeting. The Secretary will cast one ballot for each candidate listed above. Available for State, Federal, or Property Taxes If you discover you owe income tax to Uncle Sam or if you re struggling to come up with your property taxes in one lump sum, INFINITY can help you stretch out those payments over a one year period: Tax Loan As low as 8.00 % APR* Up to 1 year To apply, stop by or call any INFINITY office today, or log on to to apply online. * Rate for Net Pay & Prime Advantage members; others add.25 to listed rate. Rate varies based on credit qualifications. p a g e 2

3 Shrink Your Mortgage Payment Down to Size Has it been awhile since you checked the interest rate on your mortgage loan? If so, you may be paying more than you need to! INFINITY offers very competitive rates on home loans, currently as low as: 3.75% Rate / 4.164% APR* 10 Year Fixed Rate Mortgage Loan (1 point) 3.25% Rate / 3.713% APR** 3/1 Adjustable Rate Mortgage Loan By refinancing, you can lock in today s low rates and enjoy predictable monthly payments for the life of your loan. With low fees and fast, friendly service, the process is surprisingly easy. Even a small reduction in your interest rate can add up to big savings in the long run. Call or stop by today, we ll be glad to run the numbers for you! * Quoted rates are the lowest rates as of 3/10/2010. Your rate will be based on your credit qualifications and may be higher. For fixed rate loan, estimated monthly payment: 10 year loan at 3.75% = $ per $10,000. Adjustable rate subject to change during loan term, based on LIBOR rate as found in the Wall Street Journal 45 days prior to the change date, plus 2%, with floor of 3.75% APR. Loans available for up to 80% of property s value. Deposits Accepted at Arundel Branch ATM INFINITY s newest ATM in Arundel has something unique - a deposit feature! INFINITY members can now make deposits at our Arundel ATM: No envelope or deposit slip required Reads your checks, counts your cash and adds up your total deposit Verifies your deposit by displaying images of your checks and listing the cash you deposited on the screen and on your receipt Funds from check deposits are available the 2 nd business day after the business day of deposit Check out this new feature at our Arundel branch located at 1298 Alfred Road, just 4½ miles from the Biddeford turnpike exit. Low Rate Auto Loans When you re shopping for a new or used car, you need to consider more than just the price. Your financing package can make a big difference in your monthly payment and your outof-pocket expenses. Get more mileage for your money INFINITY has rates as low as 3.99% APR* with flexible terms to help make your car payment fit your budget. With our flexible financing options you may not even need a down payment! Negotiate from the driver s seat get pre-approved before you shop. You ll know exactly how much you can afford, and you ll be able to negotiate your price with your financing already in place, and our preapproved draft in hand. We ll even give you something extra: $50 FREE Gas Card Auto Loans of $12,000 or more $25 FREE Gas Card Auto Loans from $7,000 to $11,999 For free, convenient pre-approval, simply call us, stop by your nearest branch, or use our online application form at * Rate for Net Pay & Prime Advantage members; others add.25 to listed rate. Rate varies based on credit qualifications and year of vehicle. p a g e 3

4 FREE Regular Checking that s ALWAYS FREE Your money-saving Share Draft checking account with time-saving conveniences is here. NO minimum balance NO monthly service charge NO per item fees & unlimited check writing Plus FREE First Box of New Checks FREE Cash & Check Card FREE Online Home Banking & Bill Pay FREE Direct Deposit + Savings Get a FREE SubZero Lunch Tote & Bottle Use our FREE & Easy Switch Kit to move your checking account we ll help you with all the details regarding your automatic payments and deposits. You re never far from a friendly credit union office. In addition to our five offices in Arundel, Bangor, Kennebunk, Portland, and Westbrook, INFINITY participates in the Shared Branching network, which gives you access to your money at over 3,800 credit union locations nationwide. For a list of participating credit unions, visit Come to your member-owned, locally-operated INFINITY FCU and open your FREE checking account today. * Member purchases check reorders. Prepaid MasterCard The prepaid MasterCard Travel card offers the solution to your travel need: More convenient and safer than cash Can be replaced if lost or stolen Make purchases and get cash wherever Debit MasterCard is accepted Easy to get and reload at any INFINITY office Enjoy the convenience of a credit card without the risk of overspending or having to pay interest. Stop by any INFINITY office to purchase your Prepaid MasterCard today. This card is issued by MetaBank pursuant to license by MasterCard International Incorporated. Holiday Closings Monday, April 19 - Patriots Day We may be closed, but our automated services are always available: Online Banking ATM/Debit Card Telephone Banking 24-7 Loan Applications For Sale 2004 Suzuki X7 Hardtop, 89,990 miles. If interested, contact INFINITY s Collection Dept. at (207) , ext Office Hours and TDD Access Monday through Friday 9:00 AM to 5:00 PM Saturday 9:00 AM to Noon (Lobby service in Westbrook, Bangor, Kennebunk, & Arundel) Local Telephone: Toll Free: Loan Applications Phone: , option 4 Online: FAX Westbrook: Portland: Bangor: Kennebunk: Arundel: Loan Department: Mortgages: Mailing Address P.O. Box 9742 Portland, ME Branches 202 Larrabee Road Westbrook, Maine Davis Farm Road Portland, Maine Broad Street Suite 1 Bangor, Maine Port Road Kennebunk, Maine Alfred Road Arundel, Maine All rates subject to change without notice. p a g e 4

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