Mike Spanik Larry McDaniels Dave Hodge. You can contact the Nominating Committee at

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1 Vol. 32, No. 1 A Quarterly Newsletter Published By West-Aircomm Federal Credit Union Pay Off Your Mortgage WAC Home Equity Refinance Loan Great Rate 3.85% APR & Low Closing Costs It appears that interest rates for mortgage loans are rising and now might be the ideal time to pay off your mortgage/ home loan with a West-Aircomm Home Equity Refinance Loan. The fixed interest rate is a low 3.85% APR for up to a 10 year term. There are many advantages with a WAC Home Equity Refinance Loan versus a conventional mortgage; minimal closing costs, build equity faster and save thousands of dollars in interest charges, no points or prepayment penalties plus faster loan decisions, and you will close on your Home Equity Refinance Loan in weeks not months. There is a requirement that this special can only be a first mortgage, unlike a typical Home Equity Loan which is normally a second mortgage. However, if you already own your home without a mortgage, you can take advantage of this loan and use the money for any good reason! Apply today online at westaircomm.com, at any of our branches, by phone at or fax at (application is available at westaircomm.com). Annual percentage rate accurate as of 01/01/14 could change without notice. The fixed monthly 10 year-term payment for $10,000 borrowed is $ Owner occupied home required. Property insurance required. Title insurance and appraisal may be required. There is a $ documentation fee. Subject to WAC s underwriting standards. Other rates and terms are available. Winter Clean-Up Loan $3,500 Unsecured Loan Super Low 5.99% APR See Application on Page 4 If you over did Christmas spending a bit and added some debt using high- priced charge or credit cards, WAC has a low cost loan solution. We are now offering a $3,500 unsecured loan 24 month term at an incredibly low rate of 5.99% APR. As a matter of fact, you can use the loan proceeds as you choose even if you didn t overspend for the holidays! Apply today before interest rates rise! It s as easy as ABC; complete the brief loan application/promissory note on page 4 in 5 minutes. APR = Annual Percentage Rate. The interest rate of 5.99% is for only qualified borrowers. This special offer could change without notice. Other rates and terms are available January, WAC Annual Election Procedures 3 Credit Union Updates 4 Winter Clean-Up Loan Application 6 Introducing GreenPath 6 West-Aircomm s Products/Services/ Contacts Current Loan & Saving Rates At:

2 FEDERAL CREDIT UNION'S P.O. Box Buffalo Street Beaver, PA FAX: Vol. 32, No. 1 January, Beaver Grade Road Moon Twp., PA FAX: Mike Spanik Larry McDaniels Dave Hodge 2015 Main Street Aliquippa, PA FAX: Board of Directors Phil Pietrandrea, Chairman Logan Little, Secretary Larry McDaniels, Vice Chairman Dave Hodge, Director Mike Spanik, Treasurer Rod Bear, Director Ray Brunner, CEO/Director BEAVER OFFICE HOURS 9:00 a.m. - 4:45 p.m. THURS. 9:00 a.m. - 6:45 p.m. SAT. 9:00 a.m. - Noon BEAVER DRIVE-THRU HOURS 8:30 a.m. - 6:00 p.m. THURS. 8:30 a.m. - 6:45 p.m. SAT. 9:00 a.m. - Noon MOON OFFICE & DRIVE-THRU HOURS 9:00 a.m. - 4:45 p.m. THURS. 9:00 a.m. - 6:45 p.m. SAT. 9:00 a.m. - Noon (Drive-Thru Only) ALIQUIPPA OFFICE & DRIVE-THRU HOURS 9:00 a.m. - 4:45 p.m. THURS. 9:00 a.m. - 6:00 p.m. WAC Annual Election Procedures The 2014 election of officers will be conducted by mail ballot. This will give every member an opportunity to vote. The Board of Directors positions will be for three year terms. Nomination of Candidates can be made by the Nominating Committee or by petition. Credit Union Chairman, Phil Pietrandrea, has appointed the following to serve on the Nominating Committee for the upcoming election: You can contact the Nominating Committee at The following are election procedures to be followed according to the National Credit Union Administration Guidelines: Persons interested in becoming candidates are advised to apply to the Nominating Committee. All interested persons must submit a short biographical resume with qualifications (75 words or less) by January 30, The committee will advise all applicants as to whether or not they have been nominated by February 14, Applicants not nominated by the Nominating Committee or applicants wishing to use the petition process must file their petitions for nomination with the secretary of the credit union by March 14, All applicants using the petition process must get the signatures of a minimum of 1% of the membership (membership as of 12/31/13). The applicant must also submit a certificate stating they are agreeable to the nomination and will serve if elected. In addition, the applicant must give a short resume (not more than 75 words) containing biographical data. This data will be published in the official candidate listing and mailed along with the ballot. Posting of nominations and petitions in the Beaver, Aliquippa and Moon branches by March 21, Ballots mailed to all members (as of 12/31/13) by April 1, Deadline for return of ballots by midnight of april 15, April 26, Annual Meeting.

3 Free estatements For a number of years, WAC has offered free estatements to our members. E-Statements are convenient, easy to access, and more punctual than regular mail. It would not only benefit you, but also would help WAC decrease mailing costs! There are many benefits of estatements: Fast Receive access to your statements on the first day of each month. Free- You pay nothing for estatements. Convenient Access your statement anytime and anywhere. Secure WAC secures your account information with password entry, firewalls and encryption. How do I get started? You can sign up online at westaircomm.com. First sign up for WAC s Home Banking program online called Virtual Branch. The next step is to sign up for free estatements no more paper! Questions: If you are having any questions or difficulty signing up for estatements, please call a Member Service Representative at or them at wacfcu@ westaircomm.com. They will help guide you through the process. Upcoming Holidays MARTIN LUTHER KING, JR. BIRTHDAY Monday, January 20, 2014 PRESIDENTS DAY - Monday, February 17, 2014 $1,000 Scholarships For High School Seniors High school seniors graduating by July 1, 2014 are eligible to apply for a $1,000 West- Aircomm scholarship. WAC will award three $1,000 scholarships in 2014 at our annual meeting. In addition, the Beaver Valley Chapter of Credit Unions will award five $500 scholarships in As a member of West-Aircomm, you are eligible to apply for each of these scholarships. The applications and requirements are available in any of our branches and online at For additional information, contact Erin Forrester at Withholding Notice (Form 2317) Payments from your IRA are subject to federal income tax withholding, unless you elect no withholding. You may change your withholding election at any time prior to your receipt of a payment. To change your withholding election complete the appropriate form provided by West-Aircomm. Withholding from IRA payments, when combined with other withholding, may relieve you from payment of estimated income taxes. However, your withholding election does not affect the amount of income tax you pay. You may incur penalties under the estimated tax rules if your withholding and estimated tax payments are insufficient. Contact IRA coordinator, Renee Hubbard at , for more information.

4 Winter Clean-Up Loan APPLICATION Loan Purpose Credit Union Account No. Name Address Time At Address (years) Home Phone ( ) Birth Date Social Security Number No. of Dep. Children Cell Phone ( ) Addresss Own Home Mo. Pmt. $ Landlord or Mortgage Holder Employer Name Rent Mo. Pmt. $ Name & Phone No. Employer Phone Length of Employment Clock No. Position **Gross Monthly Salary **$ Credit Reference Credit Reference *Co-Applicant Name Address Balance $ Monthly Payment $ Balance $ Monthly Payment $ Home Phone ( ) Birth Date Social Security Number Cell Phone ( ) Addresss Employer Phone No. ( ) *Complete Co-Applicant Information *only if applying for Joint Credit **Gross Monthly Salary **$ **You don t have to include income from alimony, child support or seperate ** maintenance if you don t want us to consider that income. LENDER: West-Aircomm Federal Credit Union, 485 Buffalo Street, Beaver, PA Number of Monthly Payments 24 Payroll Deduction (If eligible) Deposit proceeds into my WAC checking account. Finance Charge $ Yes No Yes No Amount Financed $3, Total of Payments $3, Monthly Payments $ Annual % Rate 5.99% This loan application is subject to normal underwriting standards. The loan proceeds can t be used to refinance/payoff existing WAC loans. Sign this Agreement. FOR VALUE RECEIVED, I promise to pay you the Principal Balance (amount financed) of $3,500.00, together with the accrued charges computed on the entire unpaid balance at the Annual percentage Rate stated above, payable in 24 monthly installments of $ The date funds are disbursed shall be the date of the loan and the first due date in one month after the date of the loan and payments are due on the same day of each succeeding month. From any payments made, you will deduct the charges due to the date of payment and the remainder of the payment will be applied to the Principal Balance. If the entire amount is not paid in full by the final due date, the remaining balance will accrue interest at the Annual Percentage Rate until paid in full as shown above. All or any part of the Principal Balance can be paid at any time. SECURITY INTEREST, I agree this loan is secured by all the share and deposits in all of my individual and joint accounts with the PROMISSORY NOTE Credit Union now and in the future, with the exception of an Individual Retirement Account. LATE CHARGE, If your payment is more than 25 days late, we may charge you 5% of the payment with a minimum of $ DEFAULT, If I fail to pay any installments on time, if I die or file bankruptcy, I will be in default and you may demand immediate payment of the unpaid balance plus accrued interest owing. If the Credit Union has demanded immediate payment of the unpaid balance, the Credit Union can apply my shares and deposits in the Credit Union towards what I owe. NO WAIVER, The Credit Union can delay enforcing any of its rights any number of times without losing its rights. PREPAYMENT, If I pay off early I will not have to pay a penalty. THIS PROMISSORY NOTE, is subject to your acceptance and will be voided and returned to me if the loan is not approved. This offer can be withdrawn without notice. X Borrower X Date Signed Co-Borrower Date Signed

5 WAC ROTH An IRA designed to build up funds without ever paying taxes on the investment earnings IRA BUSINESS BUSINESS REPLY REPLY MAIL MAIL FIRST-CLASS MAIL PERMIT NO.160 BEAVER,PA FIRST-CLASS MAIL PERMIT NO.160 BEAVER,PA FIRST-CLASS MAIL POSTAGE WILL BE PAID BY ADDRESSEE PERMIT POSTAGE NO. WILL 160BE PAID BEAVER BY ADDRESSEE PA POSTAGE WILL BE PAID BY ADDRESSEE WEST-AIRCOMM WEST-AIRCOMM WEST-AIRCOMM FEDERAL CREDIT UNION FEDERAL PO BOX 568 CREDIT UNION FEDERAL PO CREDIT BEAVER BOX 568 UNION PO BOX PA BEAVER 568 PA BEAVER PA (TAPE HERE AFTER FOLDING.) (TAPE HERE AFTER FOLDING.) No age limit when you must start taking withdrawals. Pay no federal taxes whatsoever on withdrawals during retirement if you are age 59-1/2 or older and have had money Call the Member Services Department in the account for at least five years at for more information IRA Accounts are federally insured up to $250,000 by the NCUA, a U.S. Government Agency. BUSINESS REPLY MAIL NO POSTAGE NO NECESSARY POSTAGE NECESSARY IF MAILED IF MAILED IN THE UNITED IN THE STATES UNITED STATES PURCHASE MONEY AND REFINANCED MORTGAGES AVAILABLE Conventional Fixed Rate, Adjustable, Jumbo and FHA Loans Competitive Rates Apply Online at Westaircomm.com or at any of the Branches Questions Contact Scott Brunner at (CUT ON DOTTED LINE.) (CUT ON DOTTED LINE.) (CUT ON DOTTED LINE.) (CUT ON DOTTED LINE.)

6 Introducing GreenPath West-Aircomm has teamed up with GreenPath Debt Solutions... We are happy to announce our newest member and employee benefit, GreenPath. West-Aircomm is committed to serving our members and our employees, and we are providing you with free access to money management and financial education services. West-Aircomm has teamed up with GreenPath Debt Solutions, an organization that has been assisting individuals for more than 50 years. Through GreenPath, you will enjoy unlimited access to certified, degreed financial counselors who will help you develop a budget and action plan based on your personal financial situation and goals. You can receive assistance with: Personal and family budgeting Understanding your personal credit report and how to improve your score Personal money management Debt repayment Avoiding bankruptcy, foreclosure, and repossession GreenPath can give personalized answers to your individual needs. For issues ranging from a proactive savings plan to saving a home from foreclosure, advice is only a phone call away. GreenPath counselors are available Monday through Thursday 8 a.m. to 10 p.m. (EST), Friday 8 a.m. to 7 p.m. and Saturday from 9 a.m. to 6 p.m. To use this new service, simply call or visit them on the web at PRODUCTS / SERVICES / CONTACTS LOAN DEPARTMENT WEST-AIRCOMM VISA PLATINUM CREDIT CARD INVESTMENT DEPARTMENT MEMBERS FINANCIAL SERVICES SAVINGS ACCOUNTS / NEW MEMBERSHIP FREE CHECKING ACCOUNT AND VISA DEBIT CARD PAYROLL DEDUCTION DIRECT DEPOSIT HOME BANKING / BILL PAY & ESTATEMENTS PERSONAL TELLERLINE (Outside Area Codes 412 & 724) FAX ROUTING/ACH NUMBER TOLL FREE NUMBER (Outside Area Codes 412 & 724) WEBSITE ADDRESS ADDRESSES wacfcu@westaircomm.com loansvisa@westaircomm.com newaccounts@westaircomm.com atmdebit@westaircomm.com