December 2017 Newsletter

Member News

We’ve had a busy few months at Quinte First, with lots happening in

our branches and in the community!

We had an awesome turnout at all of our member appreciation days

in September. We had music and food, and it was great to see all

our members out having fun and sharing in the celebrations.

We had a wonderful turnout at our kids Halloween party in

Frankford on October 28th. Thanks to all the volunteers and to

everyone who came out to enjoy the day! There was lots of fun had

by all! We had free refreshments, games, crafts, music, a costume

contest and free pumpkins for all the kids!

Our HWY 2 branch did an amazing job raising funds for the Banker’s Buy a Bed Race in September.

They held bake sales, and auctioned off chances to throw a pie at Gino! Although they didn’t win the

race- they were all winners in the end, raising over $1,600 dollars to buy new hospital beds at

Trenton Memorial Hospital!

Our staff really went all out for Halloween! From Snow White and the Seven Dwarves at North Front

Street to the cast of Grease in Frankford- everyone looked amazing!

Quinte First held the first annual “Bands Together” fundraiser in Stirling on November 18th. There was

awesome live music from Derek Arsenault, Deb O’Connor and Rob Waite. Thanks to everyone who

came out to support a great local cause- we raised over $500 for the Stirling Splash Pad Fund!

What’s New in Wealth?______

Don’t miss out on your chance to make an RRSP contribution for 2017!

RRSP contributions made during the first 60 days of 2018 may be

claimed as a deduction from income for the 2017 tax year. The deadline

for 2017 contributions is March 1, 2018.

To find your RRSP contribution room you can check your previous years

Notice of Assessment. You can also call the the Government TIPS line,

1-800-267-6999. It is an automated system and you will need to provide

your Social Insurance Number, your day/month/year of birth and the total

income you entered on line 150 of either your 2016 or 2015 tax return.

Talk to one of our Loans Officers today about how to apply for an RRSP

loan to take full advantage of your contribution limit!

Watch for the upcoming announcement of the 2018 TFSA contribution

limit to help you maximize your potential savings!

Contact one of our wealth advisors today:

Mike Lisle mlisle@quintefirst.ca Belleville

613-966-4111 ext. 265

Lillian Czindl lczindl@quintefirst.ca Belleville

613-966-4111 ext. 232

Demiah Fisk dfisk@quintefirst.ca Belleville

613-966-5550 ext. 35

Margie Chabassol mchabassol@quintefirst.ca Trenton

613-394-3361 ext. 305

Canada 150 Volunteer Challenge

As part of Canada’s 150th

celebration, the Canadian Credit

Union Association (CCUA) has

issued its own Canada wide Credit

Union challenge. Their goal is to

have every Canadian credit union

contribute volunteer hours to

reach a grand total of 150,000

volunteer hours this year!

Thank you so much to all the staff,

members, Board of Directors and

all our friends and families who

donated so many hours to our

community this year! We have

surpassed our original goal of

1000 hours by an amazing 3010

hours, for a grand total of 4010

hours for the year! That’s an

incredible contribution to our

community, and we are very

grateful to everyone who donated

their time to help others over the

year.

Our year to date total of

volunteer hours is:

4010

Check out our YouTube

channel

Go to YouTube and type in

Quinte First

Credit Union

Find out what’s going

on at Quinte First!

Co-op Corner!

Loans and Lending

Christmas is right around the corner and it’s time to take advantage of our Stocking Stuffer loans! If you need a

little extra cash for Christmas, but don’t want to pay those high credit card interest rates then check out our

Stocking Stuffer loans! Borrow up to $3,000 at a fixed rate of 9.9%. Talk to our lending staff today for details!

For more information on how to make the most of your RRSP contribution limit, contact our experienced

lending staff to discuss an RRSP loan. Remember the deadline for 2017 contributions is March 1st, 2018.

Laurie Golden- Lending Services Officer 613-966-4111 ext. 267

Eric Adams- Lending Officer 613-398-6103

Lois Schwager- Senior Lending Services Officer 613-966-5550

Amanda Young- Senior Lending Services Officer 613-966-4111 ext.222

Gino Leone- Senior Lending Services Officer 613-394-4872

Did you know that credit unions created the first full-service ATM’s?

That’s the credit union difference!

Credit Unions are financial co-operatives. That means that the people who choose

to bank with Quinte First Credit Union are the same people who own the credit

union! The people who do their banking with us every day and sit on our Board of

Directors are one and the same, and that means we always put the needs of our

members first.

Credit unions put people before profit and we keep your money in the local

economy. Whether it’s through lending to home owners or small businesses, or

providing financial literacy education to youth in our community; we strive to

make decisions in the best interests of our members and our community. That’s the

credit union difference, and that’s the Quinte First difference.

Community Connections__ Quinte First was pleased to be a sponsor of the Savour Bay of Quinte Food and Drink Festival event once again

this year. It was a great evening celebrating the local tastes of Quinte, with local chefs and locally sourced

ingredients. Quinte First was also proud to be a returning sponsor of the annual Quinte Immigration Services

children’s Christmas party. It was a wonderful evening to welcome families that are new to Canada; full of food,

fun, gifts and a visit from Santa. Our staff volunteers had a great time helping out at the party, and loved seeing

the joy and excitement of all the kids! We were also pleased to be sponsor of the Quinte Business Acheivement

Awards on October 20, where Kim Lee spoke about Quinte First, and Scott Lafleur presented an award for Best

Agribusiness to Pasta Tavola. As Quinte’s only local financial institution we are committed to helping support

our community, and to helping causes that are important to our members, staff. We value your feedback, and

would love to hear about local causes that are important to you.

Financial Literacy_____________________

Quinte First is committed to helping improve financial confidence and skills in our community. This year we

have delivered over 45 free adult and young adult financial literacy workshops in our community. We’ve been

fortunate to partner with libraries in Belleville and Quinte West, as well as seven different community

organizations to offer a wide variety of workshops. Our workshops are not branded, and there are never any

sales pitches- we believe that sharing our financial knowledge with our community results in a stronger local

economy. Quinte First is also proud to have visited 12 local schools this year and given over 50 workshops to

students on financial literacy and the co-operative business model. For more information on our free

Financial Literacy Workshops, or book a workshop for your school or community organization,

contact Michelle Christmann at 613-966-4111 ext. 268 or via email at mchristmann@quintefirst.ca

Upcoming Free Financial Literacy Workshops

Why Filing Taxes is a Good Idea Friday, Feb 13, 2018 - Belleville Library -6:00pm

Identity Theft and Fraud Prevention Tuesday March 20, 2018- Quinte West Public Library,

Trenton Branch-6:00pm

Friday March 23, 2018- Quinte West Public Library,

Frankford Branch-2:00pm

Tuesday March 27, 2018- Belleville Library, 6:00pm

Quinte First Helpful Hint’s__

Did you know Quinte First has a free mobile banking app that you can download on your mobile device? For

more information visit our website or talk to a staff member at your nearest branch. Have you used one of our

new ATM machines recently installed at our RCAF and Sidney Street branches? They are envelope free and have

added security features to help keep you safer and more secure! We are always looking for ways to improve

service and give our members a better banking experience.

If you have a helpful hint you would like to share, please submit it via email to Michelle

Christmann at mchristmann@quintefirst.ca or drop it off in person at your nearest branch.

Moneypalooza Quinte First Credit Union was so proud to help organize the very first “Moneypalooza”

event this year at Quinte Secondary School on November 14th. It was a full day of financial literacy workshops for

Grade 11 and 12 students. We were fortunate to have some local businesses like Newman Insurance and Y Buy Nu

Auto Sales come out for the day and talk to students about important life skills like how to buy your first car, how

to choose insurance that’s right for you, and how to get the best rates. We were also joined by the CRA, who spoke

to students about why and how to file your taxes. Quinte First staff also presented some valuable workshops on

credit cards, budgeting, shopping smart and basic financial literacy. It was a great way to prepare students for some

of the big financial decisions coming up in their lives, and help get them started on the path to financial success!

Kim Lee presenting our

donation to Quinte

Immigration Services

Teaching kids about financial literacy

at Murray Centennial Public School

in Trenton

Quinte S.S. student run co-op

business using their profits to

help the Christmas Sharing

program.

CEO’s Corner

As 2017 draws to a close, I would like to extend best wishes for the holiday season. As we walk

through the holiday season this year, it does the heart good to turn thoughts toward home.

We spend time with our families. We hold close to tradition. We stand together as we take

stock, looking back on our year’s successes and failures. We eagerly await the freshness of a

new beginning come January 1.

I would like to take this opportunity to thank our loyal members. We value your patronage

and appreciate your confidence in us. We are excited about our future and are grateful to live,

work and support our local comminutes. For our current members, I humbly thank you for

your business and look forward to continuing to provide you with trusted solutions and

exceptional service. If you are not currently doing business with us, I welcome the

opportunity to introduce you to the positively different service experience and earn your

business.

I would also like to express my gratitude to the group of professional employees here at

Quinte First who work diligently to support the needs of our members. Our dedicated team is

our greatest asset and this year through many challenges and growth the team continued to

work exceptionally hard. Their loyalty and hard work are the bedrock for our success.

Once again, we thank you for your continued support. On behalf of management, the Board

of Directors and the entire Quinte First team, we wish you a wonderful holiday season and a

prosperous New Year.

Thank you for your business,

Carrie Gregoire, CPA, CGA

With 5 convenient locations to serve you.

Belleville Trenton Frankford 191 North Front Street 17538A HWY 2 34 South Trent Street 613-966-5550 613-394-4872 613-398-6103 293 Sidney Street 251 R.C.A.F. Road 613-966-4111 613-394-3361

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Follow us on Twitter @quintefirst Find us online at www.quintefirst.ca

Christmas Hours:

Monday December 25 : Closed

Tuesday December 26: Closed

Monday January 1: Closed

All branches will be open during regular hours on all other days

over the holiday season. Please talk to representatives at your

nearest branch if you have any questions or concerns.