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iSustainable

Environment | Business | Community

Some people think being sustainable means treating our planet with care. That’s true, in part. It’s also about sustaining yourself, your family and your community.

That means your health and well being, your financial state and yes, your environment.

At First Independent, our goal is to reduce our carbon footprint - the negative impact we make on our environment - and offset it with sound, community-minded business practices.

It’s also our responsibility to provide our employees and clients with the tools they need to achieve financial sustainability. And the resources our community needs to thrive and grow.

Reduce Your Carbon Footprint

  • Go Paperless: Stop receiving statements and bills in the mail. It's safer for you, and the environment.
  • Pay Bills Online: It's safer and costs less.
  • Buy Green: Look for energy efficient, planet-friendly products. And bring your own bag.
  • Cut Costs: Switch to CFC bulbs, turn off appliances and electronic devices when not in use. Conserve water. Recycle. Watch your utility bills drop.
  • Drive Less: Combine errands. Ride your bike or walk. Take public transportation. Share a ride with a friend, coworker or fellow traveler. Save on gas.
  • Shop Local: Buy locally made food and products. Support your local farmers market and businesses. Grow your own food. Reduce the miles it takes for a meal to reach your plate.

Green Tools

Oregon Natural Step Network - learn how to incorporate green living into your home and business at www.ortns.org

Commuting Options - track commuting at www.ClarkCommute.org and www.wheeloptions.org.

Local Farmers Markets - find out how to get food grown close to you at www.localharvest.org or at www.usda.gov.

Calculate Your Carbon Footprint - find out how many planets it takes to sustain your current lifestyle at www.earthday.net.

Calculate Your Paper Footprint - find out your paper consumption and how to reduce it at www.payitgreen.org.

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Introducing Green Flex Line!

Just like our traditional Flex Line,** use the equity in your home as a loan with fixed rates and terms, or as a line of credit - or both. You decide. And now, get rewarded for being green.

With Green Flex Line, take an additional 0.10% off your loan rate when you purchase green friendly:

With Green Flex Line:

  1. Paperless Statements and Online Banking are required
  2. A minimum of $5,000 must be advanced for Green purposes
  3. Proof of the Green Expenditure to First Independent within 90 days of establishing Green Flex Line:

Proof of Green purchases should be e-mailed to GreenFlexLine@firstindy.com

Or mailed to:
First Independent Bank
Green Flex Line
PO Box 8904
Vancouver, WA 98668

 

** This home equity line of credit includes both variable rate advances and a fixed rate loan option. The Annual Percentage Rate (APR) for variable rate advances is as low as Wall Street Journal (WSJ) Prime Rate – 0.75. Depending on borrower credit worthiness and combined loan to value ratio (CLTV), variable rate advances may range from WSJ Prime – 0.75%, which is 4.50% as of 4/15/08 to WSJ Prime + 1.0%. Rate may vary, but never to exceed 25.00% APR. The APR as of the same date for fixed rate loans is as low as 6.64%. APR may be higher for other loan amounts, CLTVs and credit qualifications. Fixed rate option conversion fee of $50 per conversion (waived if fixed rate loan is requested at HELOC origination). Auto pay from a First Independent account required. If auto pay is cancelled, the APR will increase by 0.25%. Annual fee of $50 after the first year. Credit line not to exceed 85% of market value as determined by an independent third party. Property and title insurance required. Flood insurance required where necessary. Prepayment penalties, other restrictions and fees may apply. Rates and terms subject to change without notice. Best rate based on a Flex Line loan with $25,000 minimum draw. Also requires opening a Choice or Choice Plus checking account with Auto Pay and Platinum Debit Card. Green Flex Line 0.10% discount requires proof of purchase of environmentally friendly items. Subject to credit approval.

 

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Copyright 2008, First Independent Bank  |  Member FDIC  |    Equal Housing Lender

* PRIMEVEST Financial Services, Inc. is an independent, registered broker/dealer and registered investment adviser. Member SIPC/FINRA. Securities and insurance products offered by PRIMEVEST: * Not FDIC insured * May go down in value * Not financial institution guaranteed * Not a deposit * Not insured by any federal government agency. Advisory services may only be offered by Investment Adviser Representatives in connection with an appropriate PRIMEVEST Advisory Services Agreement and disclosure brochure as provided.

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Financial Advisors are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with residents of other states will only be made upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States.