Member Benefits Personal Banking with Exclusive Perks

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1 Member Benefits Personal Banking with Exclusive Perks Federally Insured by NCUA

2 Being a member of Vantage West Credit Union comes with great benefits. Let us guide you through the many ways you can maximize your credit union experience. Annual Skip-A-Payment Need extra cash? Sometimes, freeing up money meant for a loan payment can help a lot in meeting an unexpected expense, or having a nice family vacation. With our Annual Skip-A-Payment, you may be able to take a break from your monthly payments once per year, per loan. Eligible loans include: Consumer Visa Credit Cards, Auto Loans, Signature Loans, and Share Secured Loans. Overdraft Protection We know it s important to keep your credit and reputation safe. As a member service, Vantage West offers two overdraft options that can help when it counts most. Overdraft Privilege Designed with your protection and convenience in mind, Vantage West offers Discretionary Overdraft Privilege for members in good standing. If you overdraw your checking account, we may pay the overdraft, subject to the limit of your Overdraft Privilege. This allows you to avoid the embarrassment of returned items, or paying more on merchant fees. 1 Overdraft Protection People make mistakes, so the occasional overdraft is bound to happen. With Vantage West s Overdraft Protection, we can link your Visa credit card, savings account or home equity line of credit to your checking account, and have these serve as funding sources to help cover any shortfall. This offers a less costly option than standard overdraft practices.

3 Special Discounts, Cash Back Offers & Rewards Think of us as being more than just your credit union. As you go about your day, we can open doors to exclusive money-saving offers so you pay less, save more, and reward yourself. From special cash back offers from online and brick-and-mortar retailers you already shop with, to member discounts on the latest smartphone, vacation packages and more, count on us to make your credit union membership that much more rewarding! ScoreCard Rewards Treat yourself to special gifts, services, or even a dream vacation. Watch your points add up when using your Vantage West Visa credit/debit card, and redeem these for special offers. Best of all, your points never expire! For the most updated rewards catalogue and to redeem your points, visit scorecardrewards.com. Purchase Rewards Here s another great way to earn cash back: Purchase Rewards using your Vantage West Visa debit card! Simply log in to Online Banking, activate special offers from your favorite participating retailers, and shop using your debit card. The more you shop the more cash back you earn! You can also conveniently access Purchase Rewards using our free mobile app. Exclusive 3 rd Party Offers What s on your mind? Home improvements, upgrading your car to this year s model, or a trip to Disneyland? We ve partnered with leading providers of electronics and technology, travel, automobiles, apparel, insurance and more.

4 Visa Checkout Love shopping online, but hate all the hassles when it s time to pay? Simplify online payment with Visa Checkout and your Vantage West Visa card. Visa Checkout is a digital payment service that can make your online payments as easy as online shopping whether on the go with your tablet or smartphone, or at home with your computer. Be sure to enroll for the service at vantagewest.org/visacheckout. ID Theft Resolution Services Identity theft continues to be the fastest growing crime in America, and can seriously hurt your finances, credit history and reputation. Vantage West offers many ways to help members protect themselves from falling victim to identity theft or fraud, or prevent further loses. Identity Theft 911 Premium Checking SM account holders enjoy exclusive access to FREE ID Theft and Resolution Services, provided by Identity Theft 911 (IDT). With this unique benefit, have peace of mind knowing that a fraud specialist can help in case of identity theft or fraud both of which can take time, money, and patience to resolve.

5 Proactive & Preventative Services Unique to what others have to offer, IDT also provides proactive assistance even before any actual ID theft or fraud is detected. They can help protect your identity in various situations that include break-in, theft or robbery; military deployment; moving/relocating; notification of a data breach, and more. Resolution Services A fraud specialist can assist credit union members with unlimited, hands-on resolution services when fraud and/or identity theft has been detected or is suspected. IDT will help notify creditors and agencies, file police reports, and set up FREE credit monitoring for a year. For helpful tips and to learn more about current ID theft scams and data breaches, visit Vantage West s Educational ID Theft Center, powered by Identity Theft 911, at vwestcu-idthefthelp.org. Business Banking Whether you re a small business owner or a company with more complex needs, we have the resources and experienced professionals to help you grow. We offer a full range of business products and services, free financial education workshops, and enhanced employee benefits with our Work Perks program. We do U.S. Small Business Administration (SBA) loans, too!

6 Certified Financial Counselors If you need help balancing your financial life, we offer free one-on-one counseling with a Certified Credit Union Financial Counselor. Get budgeting tips, learn how to improve your credit score, and more. Visit a branch or contact us to schedule your appointment today. 2 Vantage West Financial Advisors When making important financial decisions about your future, you want sound, objective advice from someone you can trust. Vantage West Financial Advisors located at the credit union can help you determine the right investment and insurance strategy for your unique financial situation. They are available to meet with you at any Vantage West branch location. To schedule your no-cost, no-obligation consultation, call us, drop by your nearest branch, or visit our website today. Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC Insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. FR

7 TruStage Insurance Products When life throws you a curve ball, TruStage can help protect you and your family from unexpected financial hardship. As a credit union member, you gain exclusive access to Life Insurance, Accidental Death & Dismemberment Insurance, Auto and Property Insurance at competitive rates. TruStage insurance products and programs are made available through TruStage Insurance Agency, LLC. Life insurance and AD&D insurance are issued by CMFG Life Insurance Company. Auto and Home Insurance Program are issued by leading insurance companies. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union. TSH To learn more about other exclusive member benefits, including special discounts and offers, visit vantagewest.org/benefits. 1 If an overdraft item is paid through the Discretionary Overdraft Privilege program, a fee will be imposed for each overdraft item. Discretionary Overdraft Privilege is non-contractual and discretionary. Opt in required to cover ATM and debit card transactions. Additional information can be found in the Discretionary Overdraft Privilege Disclosure. 2 Certified Credit Union Financial Counselors provide a confidential money management review. Vantage West Credit Union is neither licensed by the State of Arizona, nor the federal government as a credit counseling agency. Members may be referred to one or more credit counseling agencies as needed. Financial Counselors do not give tax or legal advice and should in no way be interpreted or relied upon for such advice. Some products and services are subject to approval. Certain restrictions and fees may apply. Subject to change without notice. Certain types of transactions may require specific equipment. For the most current information, go to vantagewest.org. NMLS# Powered by

8 Locations Pima County 1st Avenue 4280 N. 1st Ave. Broadway 8465 E. Broadway Blvd. Catalina N. Oracle Rd. Craycroft S. Craycroft Rd. DM Air Force Base 3320 S. Craycroft Rd., Bldg Marana (AZ Pavilions) 8290 N. Cortaro Rd. Northwest 550 W. Magee Rd. Rita Ranch 7394 S. Nexus Rd. Southwest 3125 E. Valencia Rd. Tanque Verde 7163 E. Tanque Verde Rd., Ste. C114 University 801 E. Speedway Blvd. Wilmot 1100 N. Wilmot Rd. Maricopa County 32nd & Shea Black Canyon N. 32nd St N. 24th Ln. Pinal County Casa Grande San Manuel 2008 E. Florence Blvd. 141 W. 8th Ave. Cochise County Tombstone 218 S. Sumner St. Contact Information Online vantagewest.org or Phone or Corporate Address 2480 N. Arcadia Ave., Tucson, AZ Mailing Address P.O. Box 15115, Tucson, AZ 85708