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									   NOVEMBER 2008

                                              Sleep Soundly. Your Money is Safe with Us.
  ATa                                    Stop tossing and turning!               You can sleep   And, with the backing of the NCUA, your

GLANCE                                   soundly knowing your money is safe
                                         with Insight Financial Credit Union.
                                                                                                 savings are federally insured to at least
    BRANCHES CLOSED                      Insight Financial is a not-for-profit                                 We continue our commitment
       Tuesday, November 11              cooperative, owned and run for                                         to provide you with excellent
   in observance of Veterans’ Day
                                         the benefit of our members                                                financial   products     and
      Thursday, November 27
 in observance of Thanksgiving Day       -   that     means         higher                                          services, and we have the
                                         savings rates and lower                                                      resources to back that
     17TH ANNUAL HIGGS                   loan rates for YOU. As                                                       promise.      We      are
       SCHOLARSHIP                       a credit union, we have                                                      continuing to prosper
The December 15th deadline for the
Higgs Scholarship is approaching. If     never felt pressured to                                                      even     during     these
you are a graduating high school         make risky investments                                                      troubled      economic
senior planning to attend a 2 or 4
year College or University, you are      or bad mortgages.                                                          times and encourage you
eligible to apply for the scholarship.         The      fact       that   your                                   to come to us for any of
Download      an     application    at
www.InsightAccounts.com         under    deposits are federally insured                                       your current lending needs.
About Us – Community Involvement         through the National Credit Union                                   For more information about
or pick one up at any branch.
                                         Administration (NCUA), a U.S. government                NCUA insurance, please visit the NCUA
                                         agency, should help you sleep better than a             website at www.ncua.gov. And remember, a
                                         glass of warm milk.              Not one penny of       friendly, helpful Money Coach is here to
    More Options                         insured savings has ever been lost by a                 answer any of your questions at 407.426.6000
     with Home                           member of a federally insured credit union.             or toll-free 888.843.8328.
The new enhancements will be up
and running on Insight Financial’s
home banking site later this month.                                          Give Yourself a Gift!
You can access your accounts,
transfer funds and pay bills online,     The holidays are here and Insight Financial wants to offer
and soon you’ll be able to view          you a gift that keeps on giving – the Insight Financial Visa®
your pending transactions on your
checking account. All you’ll have to     Platinum credit card. With rates as low as 9.9% APR*, no
do is click on the amount in the         annual fees, worldwide acceptance and immediate access to
available balance column of your         cash, our Visa® Platinum credit card is the card to use for all
checking account and all the
pending transactions that haven’t yet    of your holiday shopping. And, for every dollar you charge
posted to your account will be listed    on your Insight Financial Visa® Platinum credit card, you
right there.                             can earn points toward a valuable reward – like a Weber gas
     These new enhancements are
Insight Financial’s way of continuing    grill, a Canon digital camera, or even a big screen HDTV!
to provide you with an easier, more            If you don’t have an Insight Financial Visa® Platinum credit card, now is the perfect time
convenient way to handle your            to apply for one! This holiday season get yourself a gift – the Insight Financial Visa® Platinum
finances. Keep an eye out for even
more exciting things to come to          credit card. Call 407.426.6000 or toll-free 888.843.8328 to apply for your Insight Financial
Home Banking!                            Visa® Platinum credit card or request a credit line increase today.

                                         *Annual Percentage Rate
         Great Loan Rates!
                                                                                      Go Green! And Save Even MORE Green!
    EFFECTIVE DATE: NOVEMBER 1, 2008                                      Insight Financial would like to thank you for doing your part to keep the
                                       Annual Percentage Rate             environment green by offering you a way to keep more green in your pocket!
   New Auto/Truck ................5.49% - 14.99%                          Purchase a new or used vehicle that gets 25 or more highway miles per gallon
   Used Auto/Truck................5.99% - 14.99%                          and we’ll offer you a special interest rate discount of 0.50% APR* when you
   Classic Auto ......................9.49% - 17.49%                      autodraft your loan payment from your Insight Financial checking account.
   New Boat (72 mos.) ..........6.99% - 14.99%                                  Qualifying for this rate discount is easy! Just bring in proof, whether it’s a
   Used Boat (72 mos.)..........7.49% - 15.49%                            window sticker or a print out from the internet, that the “green vehicle” you want
   New Motorcycle ................5.99% - 13.29%                          to purchase gets 25 highway miles per gallon and we’ll give you a great, low rate
   Used Motorcycle ..............6.49% - 13.79%                           plus you may be eligible to receive 90-days deferred payments.
   New RV..............................8.99% - 16.99%                           Don’t be green with envy because your friends are driving around with a fuel
   Used RV ............................9.99% - 17.99%
                                                                          efficient car and more green in their pockets. Call 407.426.6000 or toll-free
   New Jet Ski/ATV ................8.99% - 16.99%
                                                                          888.843.8328 or visit www.InsightAccounts.com and apply today!
   Used Jet Ski/ATV ..............9.99% - 17.99%
                                                                          *Annual Percentage Rate. 0.25% APR auto loan discount applies to new loans with an additional 0.25% APR
   Signature Loan ($500 min.)..13.99% - 17.99%                             loan discount applied to new loans when you autodraft your loan payment from your Insight Financial
   Line of Credit ($7,500 max.) ............16.99%                         checking account. Special offer does not apply to refinancing existing Insight Financial auto loans. Your
                                                                           actual rate will be customized based on your credit characteristics. This offer is subject to credit approval
   12-12-12 Loan ................................12.00%                    and loan disbursement. Interest accrues from the date of contract. APR subject to change. Offer ends
                                                                           December 31, 2008.
   New Computer
   (Up to 36 mos., $5,000 max.) ..........16.99%
* These loan rates, effective November 1, 2008, are an addendum
  to your LoanLiner agreement. The payment amount and due date
  of payments will be determined at the time of each advance and
  disclosed on the Funds Request Voucher. The lowest rates
                                                                                       Shine up your                                                  Now is Your Time to
  shown are for members with excellent credit. Your actual rate will
  be customized based on your credit characteristics and term of
  the loan. Please retain this notice with your LoanLiner agreement
  and Truth in Lending disclosures for future reference. Rates are
                                                                                        Motorcycle!                                                   Ride – for 1% Less!
  subject to change at anytime without notice.
                                                                          Join the Insight Financial team and support                            To celebrate Insight Financial’s Cruise for a
                                                                          our 2nd Annual Cruise for a Cause on                                   Cause to benefit the Russell Home for
                                                                          Saturday, November 8, 2008, to benefit the                             Atypical Children, we have dropped our
                                                                          Russell Home for Atypical                                                           already low motorcycle rates
                                                                          Children. You don’t have to be a                                                    by 1%!         From now until
                                                                          biker to participate in this event.                                                 November 15, you can hop on a
                                                                          We invite everyone to join in                                                       brand new Harley-Davidson or
                                                                          our poker run for this worthy                                                       cruise around on the bike of
                                                                          cause.                                                                              your dreams for a motorcycle
                                                                               A $20 donation is all it takes                                                 loan rate as low as 5.99% APR*.
   Paradise is calling and we’re giving someone the                       to register your bike or car, which includes: 1                        Plus, you can get an additional 0.25% APR
   chance to win an Island Getaway valued at                              door prize ticket, 1 poker hand and lunch.                             off when you autodraft your loan payment
   $5,000 – or one of hundreds of $100 gift cards                         Extra poker hands are available for $5 each.                           from your Insight Financial checking
   in our Holiday Sweepstakes. Entering is simple.                        Registration forms, maps and details can be                            account, and you may be eligible to receive
   Every time you pay a bill online with Bill Payer                       found at www.InsightRide.dojiggy.com.
                                                                                                                                                 90-days deferred payments.
   through December 31, 2008, you'll receive an                           Registration forms are also available at any of
                                                                                                                                                      Already participating in Insight
   automatic entry into the sweepstakes. The more                         our eleven branches.
                                                                                                                                                 Financial’s Cruise for a Cause motorcycle
   bills you pay, the more chances you have to win!                            The ride will kick off at the Orlando-
                                                                                                                                                 poker run on your very own motorcycle?
         Anytime you need help using Bill Payer,                          Downtown branch located at 206 Hillcrest
                                                                                                                                                 Make sure you’re not paying too much for it.
   we’re here for you. Just call 877.864.5183 for                         Street, Orlando, and will end at the Maitland
                                                                                                                                                 Now is a great time to refinance your
   Bill Payer questions or payment inquiries and a                        branch at 480 S. Keller Rd., Orlando. The
                                                                          ride begins at 9:00 a.m. and we’ll be looking                          motorcycle loan to take advantage of Insight
   helpful Member Service Representative will                                                                                                    Financial’s low loan rates and get in on the
                                                                          for the last bike to come in at 1:00 p.m. Lunch
   answer your call 24-hours a day, 7-days a week.                                                                                               90-days deferred payment special! Call
                                                                          will be served and door prizes will be given
         Don’t miss out on the convenience of Bill                                                                                               407.426.6000 or toll-free 888.843.8328 to
                                                                          away! The player with the best poker hand
   Payer – it could have you packing your bags for                                                                                               get pre-approved or to transfer your loan to
                                                                          wins a cash prize! So stop by the Final
   an island getaway! And best of all, Bill Payer is                                                                                             Insight Financial.
                                                                          Destination to enjoy the fun!
   absolutely FREE!
                                                                               For more information about how                                    *Annual Percentage Rate. Motorcycle loans are available for
   Visit us online or come in to any branch for more information about                                                                            repayment terms up to 72 months. Longer repayment terms
   Bill Payer. No purchase necessary. Void where prohibited.
                                                                          you can get involved, contact Debbie                                    may be available based on other factors. A higher APR may
   For complete rules and additional important information                Cotton at 407.659.2768 or email                                         apply for repayment terms greater than 72 months. Special
   (including how to enter if you are not a Bill Payer user), visit                                                                               offer does not apply to existing Insight Financial motorcycle
   https://secure.orcc.com/promo/2008Q4/Q42008rules.html.                 dcotton@insightfinancialcu.com.                                         loans. Offer ends November 15, 2008.

                                                                                                                   It is the mission of Insight Financial Credit Union
                                                                                                                   to provide exceptional member service.
                                                                   P.O. Box 4900
                                                                   Orlando, FL 32802-4900

                                 CALL CENTER 407.426.6000 • TOLL-FREE 888.843.8328 • SMARTLINE TOLL-FREE 800.96 FUNDS


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