Marriagee. The To-Do s Before and After the I Do s CONTACT US. Products for Life

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1 e The To-Do s Before and After the I Do s CONTACT US For more information abot any of the in this brochre, call , visit or website at or stop by the branch nearest yo. LM-2011 Federally insred by NCUA. Prodcts for Life

2 starting yor ato and insrance yor ftre congratlations getting married is an exciting time. it s also a big step financially. 1 Now yo need to think abot combining acconts, creating a bdget, prchasing insrance, yor financial ftre and more. Add planning a wedding into the mix, and yo can see how overwhelming it all can be. While we wish we cold help yo with the wedding plans, we d rather stick to what we do best financial prodcts and. Montain America can help yo prepare for a life of financial bliss.

3 starting yor ato and insrance yor ftre as long as we both shall live starting yor Before yo tie the knot, it s best to What is yor attitde toward 2Montain America Credit Union he Union of an Online Registry and Cash Gifts MatriMoney SM Wedding Registry. Choosing the perfect wedding registry has never been easier. Montain America s MatriMoney Wedding Registry lets wedding gests give yo the gift of cash so yo can get the gifts yo really need, withot the hassle of retrning items or signing p for mltiple registries. Spend yor cash gifts where and when yo want. Conveniently access yor cash gifts with yor new Visa Debit Card. Receive a starter packet that incldes helpfl tips and registry cards. Family and friends can visit or website and give their gifts sing a major credit card. tie p any financial loose ends. Sit down with yor ftre spose and talk abot yor financial sitation where yo are now and where yo want to be in six months, one year, a decade and beyond. When getting married, there are a nmber of financial decisions yo need to make as a cople: Are yo going to have individal checking acconts or a joint one? How mch of each of yor incomes is going to be sed for normal hosehold expenses, sch as tilities and rent? sing credit cards? How freqently are yo going to prchase big-ticket items like a new car? What is yor comfort level with spending and debt? What is yor risk tolerance for investments? What are each of yor retirement plans? Discssing some of these topics might be togh, bt in the end, commnication is key to avoiding ftre conflicts over money. 3 Say I DO to this proposal by opening yor MatriMoney Wedding Registry at yor nearest Montain America branch today. Who is going to be responsible for actally writing the checks or making the online payments for monthly bills? What are yor long- and shortterm financial goals? Once yo ve determined yor financial plan, Montain America can help yo pt it into action. We offer a fll range of prodcts and to help yo and yor new spose get to where yo re going.

4 starting yor ato and insrance yor ftre who forgot to pay the power bill. To sign p, simply visit or website, 4 Montain America Credit Union Join Together in Financial Harmony Bdgeting Setting p and following a monthly bdget that emphasizes long-term savings is an important step in achieving financial sccess. Here are for tips that can help yo proceed toward healthier financial times: q Evalate what yo spend. Yo can t begin to create a bdget ntil yo ve made a list of all yor expenses. w Determine the percentage of yor income allocated to each expense. Trimming expenses a-little-bitat-a-time will be mch easier to manage than large-cts-takenall-of-a-sdden. e Set p spending priorities by ranking expenses. Yo can then eliminate the nimportant items, which may be enogh to help yo begin saving. If it isn t, eliminate a few of yor moderately important expenditres. r Pay yorself first. Set p atomatic transfers in Online Branch so a portion of yor income is transferred to a special savings accont instead of sitting in yor reglar checking accont. This will also help yo save more easily since yo won t be as tempted to spend money yo don t see. t Periodically review yor spending plan and make adjstments as necessary. This way yo se yor money as efficiently as possible. Use the worksheet on page 20 to create yor own bdget. Convert payments to a monthly amont when calclating yor bdget. For example, yor ato insrance may be billed every six months, so divide the premim by six. A20 BALANCE SM Montain America can help yo set p a bdget and achieve yor other financial goals with the BALANCE Program. Or BALANCE Program gives yo access to personal finance information and conseling six days a week. And it s free! Set p yor bdget today by contacting a BALANCE conselor toll-free at Conselors are available Monday throgh Thrsday, 6 a.m. to 9 p.m. (MST), Friday, 6 a.m. to 6 p.m. and Satrday, 9 a.m. to 6 p.m. Bill Pay One easy way to make sre yor bdgeting process rns smoothly is by atomating yor basic bills. This free service will help streamline yor money management, allowing yo to avoid fights abot To Cherish and Keep Yor Money Savings Acconts Saving is a great way to accmlate wealth by earning interest. In the short term, it gives yo an emergency cshion in the event of a large, nforeseen expense. In the long term, it will enable yo to accomplish yor financial goals, sch as paying for a child s edcation, a new home or yor retirement. It s never too late to start saving, bt of corse, the earlier yo start, the more wealth yo can bild. Montain America offers a variety of savings options with competitive rates to help yo start bilding for yor ftre right now. 5

5 starting yor ato and insrance yor ftre 6Montain America Credit Union Traditional Savings Acconts As the cornerstone of yor financial plan, a savings accont allows yo to keep yor money in a safe place while it earns interest each month. Competitive interest rates are paid. Interest is componded and paid monthly by Montain America. It s easy access to yor money. Yo can open secondary savings acconts for planned expenses like vacations, edcation, holidays and gifts. Term Deposits Watch yor savings grow with a Term Deposit from Montain Money Market Acconts As with Term Deposits, Money Market acconts allow yo to grow yor savings at interest rates higher than those offered with traditional savings acconts. Bt what really sets Money Market acconts apart from Term Deposits is the ability to make deposits and withdrawals anytime yo want. Yo can have: Unlimited access to yor fnds. Competitive interest rates. Interest that is paid monthly. A minimm balance of only $2,500. Higher balances, which can earn higher interest rates. Financial Control Together or Apart Checking Acconts One of the qestions yo will need to answer as a cople is whether yo re going to have individal checking acconts or a joint one. A checking accont is one of the most basic financial, bt not every checking accont is the same, especially when it comes to Montain America s MyStyle Checking. MyStyle Checking Forget abot one-size-fits all checking acconts. Montain America has a better way. Now yo can create a checking accont that fits yor lifestyle. Loan disconts. Credit monitoring. I.D. protection. Interest-earning options. And mch more. Open yor checking accont today by visiting yor nearest branch, calling or going to or website, 7 America. We offer a variety of MyStyle gives yo the freedom flexible terms at competitive rates so yor savings can bild p faster than in a traditional savings accont. They earn higher dividends than other savings vehicles. Terms can be from 6 months to 5 years. The minimm deposit is $500. Start accmlating wealth today by opening yor Montain America savings accont. Visit yor nearest branch, call or go to or website, to choose the featres yo se most and then adds rewards on top of that. Cstomize yor accont with: Msic downloads. Cash gifts.

6 starting yor ato and insrance yor ftre Take Charge of Married Life Credit Cards If yo or yor spose is jggling Visa Platinm Card No annal fee high-rate credit cards from other financial instittions, consider 25-day grace period on all prchases 8Montain America Credit Union getting a joint credit card accont at Montain America. All of or cards offer competitive low rates and the option to earn rewards points toward gifts and travel. Or cards can also give yo freedom (yo never know when yo ll have nexpected expenses), and they ll help yo bild credit for larger prchases down the road. Low, competitive interest rate Special travel advantages Worldwide ATM access Rewards points available Visa Debit Card Looks jst like a credit card Accepted like a credit card 9 Yo can se yor Montain America credit card for jst abot anything. Yor dream honeymoon The money is drawn from yor checking accont Worldwide ATM access Gifts yo don t get at yor wedding New frnitre Rewards Points Enroll in Extra Awards and get rewards for prchases yo make with yor Montain America New appliances Remodeling credit card. For every dollar yo spend sing yor card, yo ll earn one point to se toward gifts and And more travel anywhere in the world!

7 starting yor ato and insrance yor ftre 10 settling down together in yor new home Getting married often means moving into a new home that will comfortably accommodate yor new family. Whether yo re prchasing yor first home, moving into a bigger place or renovating the one yo already own, Montain America has low-rate that fit yor needs. First-Time Homebyer Loans Conventional and Refinance Loans Interest-Only Home Eqity Lines of Credit Make sre yor home is properly financed. Get yor Home Eqity Line of Credit or Mortgage Loan today. Call or go to or website, 11 Montain America Credit Union For more information abot prchasing or refinancing a home or getting a home eqity line of credit, see or Owning a Home brochre. Loans sbject to credit approval

8 starting yor ato and insrance yor ftre 12 Montain America Credit Union something sed, something new, something borrowed, something ble ato and Jst Married! In no time at all, yo ll have those wonderfl words emblazoned across the back of yor car six tin cans tied to yor back bmper clanking as yo drive away. All eyes will be on yo and yor car. Yo ll want to make a good impression. Whether yo re looking for a new or sed vehicle for yor marriage, something bigger to fit the kids or an RV for those pcoming family camping trips, Montain America can help with yor next ato or RV loan. When yo borrow from s, yo ll get the best car at the best rate, which means yo won t be left feeling ble. Competitive, low rates No application fees New or sed vehicles Recreational vehicles Montain America financing at hndreds of participating dealerships Get yor next ato or RV loan at Montain America. It s qick and easy. Apply today at yor nearest branch or online at 13

9 starting yor ato and insrance yor ftre protecting yor family, home and health regardless of the obstacles yo may face together insrance 14 As yo get older and yor family 15 begins to grow, insrance pro- Montain America Credit Union tection becomes more and more important. Being properly insred, however, is more than jst protecting yor health and assets; it s also protecting yor financial secrity. An nexpected twist of fate cold change yor financial otlook and yor life. That s why the best strategy is to expect the nexpected. Fortnately, there s an affordable alternative: term life insrance. With term life insrance from Montain America Insrance Services, yo ll have peace of As yo re planning yor ftre together, it s a perfect time to evalate and pdate yor insrance mind knowing that yor family is covered withot breaking yor bdget. Term life insrance is: coverage. A Montain America Affordable save hndreds of Insrance Services representative dollars every year. can help make sre yo and yor family are completely covered. Cstomizable pick the coverage amont and term length. Term Life Insrance Versatile choose a term to ensre Permanent (or whole) life insr- yor child s college edcation and ance polices can be expensive. yor are covered.

10 starting yor ato and insrance yor ftre 16 Montain America Credit Union Homeowners Insrance Chances are, yor home is yor single most valable asset. That s why it s so important to protect it. Homeowners insrance provides financial protection against disasters. A standard policy covers both damage to yor property and yor liability or legal responsibility for any injries and property damage yo or members of yor family case to other people. This even incldes damage cased by hosehold pets. Damage cased by most disasters is covered bt there are exceptions. Yo mst by separate policies for flood and earthqake coverage. Maintenance-related problems are yor responsibility. Renters Insrance If yo rent a home or an apartment, yo need renters insrance. While yor landlord may have insrance, it only protects the bilding. Yor belongings are not covered. Renters insrance can protect yor personal property against fire, theft and vandalism. It can also help protect yo if a gest is accidentally injred at yor home. Renters insrance doesn t cover everything, however. Yo mst by separate policies for flood and earthqake coverage. Steps to bying a homeowners or renters insrance policy: q Determine how mch it wold cost to replace the contents in yor apartment or rental home. w Make an inventory and take photographs of yor possessions. e Talk with a Montain America Insrance Services representative. r Choose the policies that fit yor sitation. Ato Insrance Ato insrance helps yo repair or replace yor atomobile if it s damaged or destroyed by an accident, fire, theft or other mishap. It also provides protection against liability claims reslting from injry, loss of life or property damage cased by an accident involving yor vehicle. Montain America Insrance Services has affordable ato insrance policies that fit yor niqe sitation. So, now, yo can keep yor insrance policy with the same company that provided yor ato loan. Ensre Yor Insrance is Up-to-Date Yor life and everything in it can change withot warning. Make certain yor insrance policies are pdated on a reglar basis. We recommend reviewing yor policies with an insrance expert at least once a year to garantee all yor bases are covered. Whatever insrance needs yo have, Montain America Insrance Services can help yo find the policy that gives yo the financial resorces to protect yor family and property at an affordable price. Contact s today at for yor FREE consltation. Insrance prodcts offered by Montain America Insrance Services, LLC, are not a deposit, not an obligation of or garanteed by any credit nion, not insred by the NCUA, and in the case of life insrance, may go down in vale. Prchasing of insrance prodcts will not affect the extension of credit in any way. 17

11 starting yor ato and insrance yor ftre Traditional IRAs taxes on any representatives and personalized earnings are deferred ntil yo service and investment tracking, withdraw fnds from the ac- LPL Financial Services also offers 18 Montain America Credit Union from this day forward yor ftre Preparing for marriage is more than jst the wedding or even for the next few years. Yo also need to consider where yo want to be in five, ten, twenty years and beyond. Will yo have enogh money set aside to live LPL Financial Services Representatives are available to meet with yo at any Montain America branch. At an appointment, they ll help draft a retirement plan that s best for yo and yor new family. cont letting yor investments compond faster. To set p or make contribtions to a Traditional IRA, yo mst not have reached age 70½ by the end of the year. Yo mst start taking the minimm distribtion on April 1 of the year after yo trn 70½. Roth IRAs contribtions are made with after-tax income, a wide array of investment options, inclding: Stocks & Bonds. Mtal Fnds. Fixed & Variable Annities. Asset Accmlation & Allocation. Real Estate Investment Trsts. 19 comfortably throgh retirement? What will happen to yor estate in the event of yor death? These may be togh qestions to ask yorself, bt yo need to consider them. Yor ftre and yor family s ftre depend on it. IRAs Get better growth potential and tax advantages with an Individal Retirement Arrangement (IRA) accont. IRA acconts provide tax advantages for retirement savings, and they re cstomizable so yo have tax-deferred growth potential and withdrawals are sally tax-free saving yo tax dollars on the accmlated earnings. There are no age restrictions associated with setp, contribtions or distribtions.* Call s today at or tollfree to set p yor FREE consltation. Make Yor Own Times of Plenty Investment and Retirement Planning can make them fit yor sitation. Some IRA investment options inclde mtal fnds, stocks, bonds and term deposits. The two most Other Investments Besides sond financial gidance from flly licensed, registered *Restrictions, penalties and taxes may apply. Unless certain criteria is met, Roth IRA owners mst be 59½ or older and have held the IRA for 5 years before taxfree withdrawals are permitted. LPL Financial Services, Montain America s broker/dealer, can help yo invest the right way. common acconts are Traditional IRAs and Roth IRAs, and each offers different tax advantages. Not credit nion deposits Secrities offered throgh LPL Financial, member FINRA/SIPC. Insrance* prodcts offered throgh LPL Financial or its licensed affiliates. Not insred by the NCUA or any federal government agency Not obligations of or garanteed by a bank, credit nion or LPL Financial May lose vale *Insrance prodcts may also be offered throgh Montain America Insrance Services, LLC.

12 Bdget Worksheet 20 Montain America Credit Union INCOME: CATEGORY BUDGET AMOUNT AMOUNT SPENT DIFFERENCE Net Wages and Bonses Net Interest Income Net Investment Income Net Miscellaneos Income Income Sbtotal EXPENSES: HOME: Mortgage/Rent Homeowners/Renters Insrance Property Taxes Home Repairs/Maintenance/ HOA Des Home Improvements Misc. UTILITIES: Electricity Water/Sewer Natral Gas/Oil Telephone (Land Line, Cell) FOOD: Groceries Eating Ot/Lnches/Snacks FAMILY OBLIGATIONS: Child Spport/Alimony Day Care/Babysitting HEALTH AND MEDICAL: Insrance (Medical/Dental/ Vision) Ot-of-Pocket Medical Expenses Fitness (Gym/Massage/Yoga) PETS: Food Grooming/Boarding/Vet

13 TRANSPORTATION: Car Payments Gasoline/Oil Ato Repairs/Maintenance/Fees Ato Insrance Other (Bs/Light Rail Train/Taxi) DEBT PAYMENTS: Credit Cards Stdent Loans Other Loans ENTERTAINMENT/RECREATION: Cable TV/Videos/Movies Compter/Internet Expense Hobbies Sbscriptions/Des Vacations CLOTHING: Work Clothing Everyday Clothing Children s Clothing INVESTMENTS AND SAVINGS: 401(k)/IRA Stocks/Bonds/Mtal Fnds College Fnd Savings Emergency Fnd (Enogh to cover living expenses for 3-6 months) MISCELLANEOUS: Toiletries/Hosehold Prodcts Gifts/Donations Grooming (Hair/Make-p/etc.) Other Misc. Expenses Total Investments and Expenses Srpls/Shortage (Spendable income mins expenses & investments)