Member Matters

January 2017

Our Mission: Serving members with convenient financial services and a smile they can trust.EQUAL OPPORTUNITYLENDER

Bank where you belong.

1000 Lisbon Street · Lewiston, ME 04240836 Center Street · Auburn, ME 04210

207-783-1475www.centralmainecu.com

CHANGES TO REQUIREMENTS FOR ONLINE BANKING ACCESSComputers with browsers and operating systems that don’t support Transport Layer Security (TLS) will not be able to access AnyTme Access Online Banking after April 1, 2017. TLS 1.2 is the most current version and is considered to be the most secure. TLS 1.0 and 1.1 are earlier, now less secure versions. Browsers and operating systems that support TLS 1.2 will typically utilize it by default. After this change, users accessing AnyTime Access must use operating systems and browser versions that support TLS 1.2 and ensure that TLS 1.2 is enabled.

Below is a basic TLS 1.2 compatibility chart:

NOMINATIONS FOR BOARD OF DIRECTORSThe Nominating Committee of Central Maine Federal Credit Union has placed the names of the following persons in nomination for upcoming vacancies on the Board of Directors:

Marguerite Gagne – is the retired CEO of Monmouth Credit Union. She has served on the Norm Nolette Chapter of Credit Unions as Vice President, Treasurer and President. She has also served as a Trustee on the Board of the Insurance Trust. Margie brings to the Board a great understanding of the values and principles of credit unions.

Richard Mailhot − is the retired owner of Mailhot’s Electronics. He served on the Board of Central Maine Credit Union from 1988-1999 and also served in the Maine House of Representatives from 1996-2004. Mr. Mailhot has served on many Lewiston boards including Public Works, Personnel & Civil Service Board, Zoning Board of Appeals and the

HUD Commission. He brings to the Board an extensive knowledge of credit union operations and State regulations.

Marc Paquette – is an Investment Advisor and owner of Twin City Financial Group. He is a graduate of St. Dominic High School and received a B.S. in Finance from the University of Maine in Orono in 1994. Marc currently serves on committees and boards for Camp No Limits, Rotary, and United Way. He feels it is important to not only work in the community but to give your time as well.

Microsoft Edge

Microsoft IE Desktop and mobile version 11

Microsoft IE Desktop versions 9 and 10

Firefox 27 and higher

Google Chrome 38 and higher

Compatibility by default

Compatibility by default

Capable when running in Windows 7 or newer, but not enabled by default

Compatibility by default

Compatibility by default

Mobile Safari versions 5 and higher

Microsoft Windows Server 2008 R2 and higher

Microsoft Windows Server 2008 and below

Microsoft Windows 7,8.0, 8.1 and 10

Microsoft XP/Vista and below

Compatibility by default

Compatibility by default

Not compatible with TLS 1.2

Compatibility by default

Not compatible with TLS 1.2

The election will not be conducted by ballot and there will be no nominations from the floor when there is only one nominee for each position to be filled. Nominations for vacancies may also be made by petition signed by a minimum of 1% of eligible voting members with a maximum of 500 signatures. The closing date for the Secretary to receive nominations by petition is January 30, 2017. Petitions must be accompanied by a signed certificate stating that the petitioner is agreeable to nomination and will serve if elected, and must also submit a Statement of Qualifications and Biographical Data.

SUPERVISORY COMMITTEE OPENINGSIf you’re interested in being considered for future openings for our Supervisory Committee, please contact Vicki Stuart, President/ CEO. The Supervisory Committee performs internal audits that assure corporate records are prepared accurately, reviews internal controls, and ensures policies and procedures are maintained and followed. Financial experience is helpful for Supervisory Committee members.

BROWSERS & OPERATING SYSTEMS TLS 1.2 COMPATIBILITY BROWSERS & OPERATING SYSTEMS TLS 1.2 COMPATIBILITY

BOOKS FOR KIDSLIBRARIAN SOCIAL

Central Maine Credit Union recently hosted a reception to present donations to public elementary school librarians. Books for Kids is the Credit Union’s signature community project designed to foster reading in children. Donations are made annually to Androscoggin County public elementary school libraries.

Central Maine Credit Union appreciates the service provided to the children of the community by the elementary school librarians and the annual event is a way to recognize them for their service while giving them the opportunity to meet and socialize.

SAFE DEPOSIT BOXRENTAL CHARGEAnnual safe deposit box rental charges will be deducted from your designated account on Wednesday, January 11, 2017. Please be aware that there is a $20 late charge if the money is not in your account for withdrawal on this day. You can avoid this fee by having the money available the day before the transfer.

Credit Union HoursMonday - Thursday:8:30 A.M. - 5:00 P.M.

Friday: 8:30 A.M. - 6:00 P.M.Saturday: 9:00 A.M. - Noon

Drive Up HoursMonday - Thursday:7:30 A. M. - 5:00 P.M.

Friday: 7:30 A.M. - 6:00 P.M.Saturday: 9:00 A.M. - Noon

66th ANNUAL MEETING – March 26, 2017 – 1:00 P.M. Saint Dominic Academy, Auburn

SCHEDULE OF CHARGES & FEES (Effective December 31, 2016)

The following list of fees reflects the philosophy of the Credit Union that the fairest treatment of all members requires the assessment of some fees on costly services to those members who utilize the service. This philosophy has been adopted to ensure the most equitable treatment of all members. Fees are based on the Total Loan & Share Balances the member holds within these ranges: Less than $100, $100 - $24,999.99, $25,000 +

DISCLOSURE ON PINLESS TRANSACTIONS

Central Maine Federal Credit Union enables non-Visa debit transaction processing and does not require that each such transaction be authenticated by a PIN. A non-Visa debit transaction may occur on your Central Maine Credit Union Visa debit card through the Accel Network. Below are examples to distinguish between a Visa debit and a non-Visa debit transaction:

• To initiate a Visa debit transaction at the point of sale, the cardholder signs a receipt, provides a card number (e.g., in e-commerce or mail/telephone order environments), or swipes/inserts the card through a point-of-sale terminal.

• To initiate a non-Visa debit transaction, the cardholder enters a PIN at the point-of-sale terminal or, for certain bill-payment transactions, provides the account number for an e-commerce or mail/telephone order transaction after clearly indicating a preference to route it as a non-Visa transaction. A non-Visa debit transaction will not provide the zero-liability protection benefit. Provisions of the cardholder agreement relating only to Visa transactions are inapplicable to non-Visa transactions.

Central Maine Credit Union employees volunteered over 300 hours in our community in 2016!

Stay on Top of Your Credit Report

Only one website has been officially authorized to provide free credit reports: AnnualCreditReport.com. You also can call 877-322-8228, or complete a request form and mail it to:

Annual Credit Report Request ServiceP.O. Box 105281

Atlanta, GA 30348-5281

Order your credit report for free from each credit bureau once each year. Remember, you can access your credit report for free, but not your credit score.

Winner of our Take a Chance to End Hunger in

Maine Raffle!

Between October 1 and December 16, 2016, we sold 50/50 raffle tickets to benefit Ending Hunger in Maine.

Tickets were sold by our employees at both of our locations for $2 each. The final total on December 16th was $674. The winning ticket was drawn on December 16, 2016, by Lisa Dumond, from our accounting firm of Ouellette & Associates. The winner was Ronald D. who received 50% of the money collected from the ticket sales and 50% was donated to Maine Credit Unions’ Ending Hunger in Maine campaign.

Dominic Roux 2017 Scholarship

Central Maine Credit Union offers the Dominic J. Roux Scholarship Award, available to high school seniors, college students, and adult student members. You may print out an application from our website. The deadline for submission is April 30, 2017.

Direct Deposit Your 2016 IRS Tax Refund

The IRS will transmit your tax refund directly to your Credit Union account. It’s quicker, safer and easier. Our routing number and your account number is all you need. Our routing number is 211287926. To arrange for direct deposit to your checking account, use the number at the bottom of your check beginning with 50.

To arrange for direct deposit to your savings account, use the account number shown on your statement, a dash (-), and your suffix (e.g. 999999-4).

Credit Union ClosingsMonday, January 16Martin Luther King Jr. Day

Monday, February 20 Presidents’ Day

Monday, May 29Memorial Day

Wednesday, July 4Independence Day

Share Draft:Return Check/ NSF $25Overdraft Item Paid $25Stop Payments $20/ $10/ $5Stop Payment using AnyTime Access FreeOverdraft Transfer from Savings $3Statement Copy/ StmtSuffix History $3 per month/ $2 / Free Check Orders VariesCopy of check - (AnyTime Access– Free) $5 each/ $3 / FreeAccount Reconcilliation (billed in quarter hour increments) $40 / $20 / $15(Minimum $10.00)Manually Cleared Checks $3 / $1 / FreeOver-the-Counter Checks (4) $5 / $3 / Free 6 mthDeposit Item Returned $20 / $10 / FreeCharged - Off Checking Fee $100Charged - Off Account Fee $100 Money Orders/ Official Cks $3 / $2 / FreeStop Payment (if permitted) $25 / $10 / Free Account Research $40/hour/ $20 hour/ $15 hour(1st hour collected up front)

Telephone Transaction or Inquiry $2 each / $1 each / $.50 Close Out IRA $10.00

ACH Origination- Cancel or Change $20/ $10/ Free(Set up is free) Visa Fees:Annual Fee $0Rush Card $40Card Replacement $15Late Payment $25Overlimit Fee $0Statement Copy $3 / $2 / FreeInsufficient Funds $25Copy of Draft $10 / $5 / FreePhone transaction or inquiry $3 / $1 / $.50Foreign transactionsurcharge 1% Federal Express– in U.S. $40 / $25 / $20 Safe Deposit Box Fees:3" x 5" $255" x 5" $353" x 10" $405" x 10" $5010" x 10" $70Box Drilling $165Late Payment Fee $20 / $15 / $5Visa Gift Cards: $5.95 / $4.95 / $3.95Mortgage Payoff: $25

Bill Pay:Monthly Service FreeCopy of Check $10 / $5 / FreeStop Payment (if allowed) $20 / $10 / FreeResearch/Payment Inquiry $40 per hr / $20 / $15(1st $25 collected up front - $25 minimum)

Fax Fees $5 / $2 / FreeOutgoing & Incoming

Account Reopening Fee $25Notary Fee - Member $10 / $5 / Free Outgoing Wire Fee $20 / $15 / $10(per attempt)

Incoming Wire Fee $5 / $2 / FreeVerification of Deposit $10 / $5 / Free Mortgage/Equity Discharge $22(not income to the CUU. Paid to Registry of Deeds) Photocopies (within reason) No Charge Electronic (ACH) Withdrawal Fees:Stop Payment $20 / $15 / FreeInsufficient Funds $25Indemnity Return $25 / $15 / Free Legal Processing (liens, subpoenas, writs, etc.) $25 Certificate Early Withdrawal Penalty:6 month 60 days12 month 90 days18 month 120 days24 month 180 days36 month 180 days48 month 180 days60 month 180 days(Number of days interest. IRA early withdrawals may differ). Dividend Check Mailed to Other Financial Institution $10Backup Withholding (at set up) $10 / $5 / Free Consumer Loan App. Fee $25(waived if loan is closed/originated or denied by CU)

Subordination Request $150 / $100 / $50(Plus cost of appraisal, if needed)

Foreign Currency Exchange $20Process Canadian Check $15 / $10 / $5 Laminate Items (Not Issued by Central Maine FCU) $3 / $2 / $1 Visa Debit/ATM Card Fees:Transaction @ non SurF ATM Free(ATM owner may charge fees for use)Card Replacement (no trade-in) $15Card Block - Abuse $5Debit Card PIN Change (at ATM) FreeDebit Card PIN Change (by CU staff) FreePhone Inquiry or transaction $2 / $1 / $.50Foreign Transaction Surcharge 1% Mortgage Modification Request N/A / $999 / $799

Copy of Deposited Check $5 / $2 / FreeInternet banking Freee-Statements FreeReturned Mail $5 / $2 / Free Non-member check cashing $10 Please Note: Fees will never be assessed if they are the result of credit union error. Some fees are waived for Members Choice. Par Value of one full share account is $10.