Great new service capabilities begin soon! Funding Dreams! Holidays Observed. Holidays Observed. Winter 2012

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1 AV ES Winter 2012 Holidays Observed Your credit union will be closed for the following holidays: Martin Luther King...January 16 President s Day...February 20 Funding Dreams! Every dollar deposited into Day Air Credit Union gets reinvested into the community. That s why this year, our commitment is to fund your dreams and grow our community through $100 MILLION DOLLARS in loans! We want to help the Miami Valley grow. So tell your friends, families and neighbors so we can share the local community spirit! Great new service capabilities begin soon! Beginning March 27, you will have access to many new and improved financial services thanks to a system upgrade! Your Day Air Credit Union staff is working hard to offer services that many of you have requested: services that will help you manage your finances better, and make your life easier. Improvements Include: Enhanced Internet Banking Personalized Online Security New Statement Styles Mobile Banking Many things will remain the same. The focus of this upgrade is on you: how can Day Air make your financial life better, simpler, and easier. While the emphasis is on improvements, you will have the same friendly Day Air staff, along with the same great service. The best way to stay informed is via . If we do not have your current address on file, please provide it by logging into internet banking, PCU, and clicking Preferences and then Change . Or just give your address to a staff member the next time you call or visit an office. QUESTIONS? Visit our website and click on the Day Air System Upgrade button on the home page. Holidays Observed... President s Day... IMPORTANT DATES: Friday, March 23 All branches will shut down at the close of business. Saturday, March 24 - Monday, March 26 All branches will be closed for the upgrade and training. Tuesday, March 27 New services begin!

2 Turbo Tax Online We know you want your tax refund ASAP, and you want your taxes done right. Try TurboTax for the Web today at www. to know your return is accurate and to get your refund in as few as 10 days. Day Air s Routing Number is Day Air Credit Union s fee schedule will be updated as of February 1, Please review the below schedule. FEE SCHEDULE Fee Schedule External February 2012 Checking Account Fees NSF fee $27.00 per item Stop Payment fee (EFT, BillPayer, Share Drafts) $27.00 per item or series Simply Checking $5.00 per month if minimum daily balance falls below Supreme Checking $ Fresh Start Checking $15.00 per month Overdraft Transfer from Savings $5.00 per occurrence Internet Banking BillPayer access through Internet Banking Money Market Account Fees $7.00 per month if minimum daily balance falls below Monthly Service fee $2, Money Market Withdrawal/Transfer fee 6 free $5.00 per item Super Saver Account Fees $10.00 per month if minimum daily balance falls below Monthly Service fee $10, Christmas Club Account Fees $10.00 if funds are withdrawn prior to October 31 of each Early Withdrawal fee year per occurrence Other Service Fees (applicable to all accounts) Account Reconciliation/Research fee $20.00 per hour ($20 minimum) Statement/history copy $2.00 per month Early account closure Account closed within 6 months of open date $25.00 Replacement Visa Debit/ATM Card $5.00 Deposited Item Return fee $15.00 per item $5.00 per month, after 6 months with no transactions and Inactive Account fee account under $ Inactive BillPayer fee $5.00 per month after 3 months no activity Escheat fee $50.00 per account Check Cashing fee total deposits under $100 or no loans or direct deposit $5.00 Electronic Funds Transfer Fees Day Air Credit Union owned ATMs Non Day Air owned ATMs First 5 are 6+ are $2.00 each PIN based POS Withdrawal fee ATM Overdraft fee (includes Check Card transactions) $27.00 per item Regulation D violation $5.00 each Credit Union Membership Membership Share $5.00 in main share account. Safe/Personal Deposit Box Rental 3x5 $30.00 per year 3x10 $50.00 per year 5x5 $70.00 per year 10x10 $ per year Replacement Key $15.00 Lost Keys Box Drilling $150.00

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5 President s Message Dear Members, 2011 saw a stagnant economy try to gain traction. Your Credit Union contributed to the local economy by once again making more loans than ever before. Day Air had a very successful year thanks to members like you who look to the Credit Union for solutions to all your financial needs. As a locally based, community oriented organization, all decisions are made here in the Miami Valley and everyone at the Credit Union is active in our community. Lending should continue to increase in 2012 to meet all your borrowing needs; and a goal was set to lend more than $100 million during the year! Credit Union staff is busy preparing for a major systems upgrade that will allow for greater efficiencies and better service. After extensive evaluation of options, a core processing system conversion is planned for the weekend of March 24. We re excited to be doing this as it will allow your Credit Union to offer the state of the art financial products and services you deserve. Hardware upgrades, systems changes, and extensive staff training will enable us to bring you even greater service improvements in the future. New and enhanced financial products and services will be available following the system upgrade. Such enhancements include mobile banking, enhanced online banking, text banking, personal payments, digital signature capability and much more. If you have questions regarding the upgrade, please visit our website, and click on Day Air System Upgrade, to get the latest information. We wish you the best in 2012 and want you to know that we respect your financial situation, whether you have a hundred dollars or a hundred thousand dollars. We hope you will do all of your financial business at your member-owned Credit Union, and tell your friends and relatives about us. Day Air for ALL your savings and ALL your loans! Have a healthy and prosperous New Year! Sincerely, William J. Burke President & CEO Apply for a Day Air Scholarship Day Air Credit Union will award two (2) $1,000 scholarships for tuition and fees to full-time students enrolled in an accredited college or university for the academic year. Apply today at To learn more, please contact Day Air Credit Union at (937)

6 PO Box Kettering, Ohio Financial Planning for the New Year! Day Air is ready to ring in the New Year by helping you improve your financial condition - no matter what the situation might be. You can rest assured that Day Air is in a great position to continue to help all members. Through CFS*, we offer a complimentary, no obligation consultation with Jonathan Peirson, a registered Financial Advisor at Day Air, who will work with you to help you identify and achieve your long-term financial goals. Whether it be Retirement Planning, Stocks and Bonds, IRAs, College Planning, Mutual Funds, or anything else, call us at (937) for your complimentary appointment today! There is no better time to start fresh than the New Year. Whatever your financial need might be, we have a solution - all year long! Just ask and we will assist you with all of your financial needs. *Non-deposit investment products and services are offered through CUSO Financial Services, L.P. ( CFS ), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Day Air Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members DAYAIRCU