The Personal Loan Special Below Market Rate 5.99% APR Free Gift

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1 Vol. 32, No. 24 A Quarterly Newsletter Published By West-Aircomm Federal Credit Union October, April, The Personal Loan Special Below Market Rate 5.99% APR Free Gift West-Aircomm is now offering The Personal Loan Special through December 31, A personal loan is an unsecured loan that normally has a higher interest rate than a secured loan. However, we have money to lend at a below - market interest rate of 5.99% APR! The money can be used for the holidays, payoff credit cards, vacation or for any good reason. You can pay back the loan up to a 5 year term at the low fixed interest rate of 5.99% APR! Better yet, if you borrow a minimum of 5,000 in new money, you will receive a free bag of goodies including a Stadium Blanket! You will also be eligible to receive a free gift bag including a stadium blanket, if you transfer a minimum of 5,000 in credit card balances to your West-Aircomm Platinum Credit Card. The 6.99% APR for balance transfers is good for the life of the balance! For your convenience, a postage paid loan application is on page 4 of the newsletter. A loan specialist is available to answer any of your questions at or by at loansvisa@westaircomm.com. APR=Annual Percentage Rate of 5.99% is good through 12/31/14 for all qualified borrowers. There are other rates and terms available. The monthly payment for a 5,000 loan at 5.99% APR for a 5 year term is The interest rate is also in effect for amounts borrowed of less than 5,000. Skip A Pay November 1st If you have a West-Aircomm loan, you may qualify for Skip A Pay between November 1st and December You can skip your monthly payment for just for all titled, personal and savings secured loans! To qualify, your loan must be current without a loan modification, a member in good standing and a loan payment must be made within the past 45 days. Around November 1st, visit westaircomm.com for detailed information about Skip A Pay. For more information, contact a loan specialist at or by at loansvisa@westaircomm.com. 2 GreenPath Debt Solutions 3 Credit Union Updates 4 Personal Loan Special Application 6 West-Aircomm s Products/Services/ Contacts, Withholding Notice and Home Loan Information

2 P.O. Box Buffalo Street Beaver, PA FAX: Vol. 32, No. 4 October, Beaver Grade Road Moon Twp., PA FAX: 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. - 6:00 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. - 6:00 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. - 6:00 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. West-Aircomm has teamed up with GreenPath Debt Solutions... One of our newest member and employee benefit is GreenPath. West-Aircomm is committed to serving our members and our employees, and we provide you with free access to money management and financial education services. West-Aircomm has recently 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 free service, simply call or visit them on the web at

3 Come Celebrate International Credit Union Week With Us! Help us celebrate International Credit Union Week from Tuesday, October 14th through Friday, October 17th at our branches in Beaver, Aliquippa and Moon. We want to thank our members for their loyalty and business, so join us for a week of celebration! On October 16th, International Credit Union Day, visit any of the branches for coffee, donuts and some lunch! Santa Is Coming To West-Aircomm Good news kids! Santa will be visiting both our Moon and Beaver branches on Saturday, December 13th from 9:00 a.m. - noon. Remember kids don t forget to make your list for Santa and always listen to your parents! Free estatements If you are a Virtual Branch banking user, you can sign up for FREE estatements online. estatements are: Fast - Receive access to your estatements 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. Call a Member Service Representative today at for additional information. T Christmas Club Holders 2014 Once again, Christmas Club checks will be deposited into your WAC checking account on October 1st. If you have less than 100, the amount will remain in your Christmas Club. If you don t have a WAC checking account, the amount will be deposited into your savings account. Regional And National Shared Banking There are many credit unions in the Pittsburgh area that have become outlets for the shared branching network. You can transact your WAC banking at any of the credit union outlets, not only in Pittsburgh, but across the country! To get an updated list of outlets, visit our website at and click on CU Service Centers, located on the homepage. Attention Safe Deposit Box Holders Your 2015 annual fee for your safe deposit box will be deducted from your share/savings account on January 30th. You can opt out of this by sending a signed request to make an alternative payment arrangement to: WACFCU, Attention MSR, P.O. Box 568, Beaver, PA Upcoming Credit Union Holidays COLUMBUS DAY - Monday, October 13 VETERAN S DAY - Tuesday, November 11 THANKSGIVING DAY - Thursday, November 27 CHRISTMAS EVE - Wednesday, December 24, Closed 1:00 p.m. CHRISTMAS - Thursday, December 25 NEW YEAR S EVE - Wednesday, December 31, Closed 2:00 p.m. NEW YEAR S DAY - Thursday, January 1

4 Personal Loan Special Application Individual Credit: You must complete the Applicant section about yourself and the Other section about your spouse if: 1. your spouse will use the account, or 2. you are relying on your spouse s income as a basis for repayment. If you are relying on income from alimony, child support, or separate maintenance, complete the Other section to the extent possible about the person on whose payments you are relying. Joint Credit: Each applicant must individually complete the appropriate section below. If Co-Borrower is spouse of the Applicant, mark the Co-Applicant box. Guarantor: Complete the Other section if you are a guarantor on an account/loan. Check the below to indicate the type of account(s) and type of credit for which you are applying. Individual Joint Amount Requested Purpose APPLICANT OTHER Co-Applicant Spouse Other NAME NAME ACCOUNT NUMBER ACCOUNT NUMBER SOCIAL SECURITY NUMBER DRIVER S LICENSE NUMBER/STATE SOCIAL SECURITY NUMBER DRIVER S LICENSE NUMBER/STATE BIRTH DATE HOME PHONE CELL PHONE BUSINESS PHONE/EXT. BIRTH DATE HOME PHONE CELL PHONE BUSINESS PHONE/EXT. ADDRESS ADDRESS PRESENT ADDRESS (Street - City - State - Zip) OWN RENT PRESENT ADDRESS (Street - City - State - Zip) OWN RENT LENGTH AT RESIDENCE LENGTH AT RESIDENCE MORTGAGE/RENT OWED TO: MORTGAGE/RENT OWED TO: MORTGAGE BALANCE MONTHLY PAYMENT INTEREST RATE MORTGAGE BALANCE MONTHLY PAYMENT INTEREST RATE % COMPLETE FOR JOINT CREDIT: COMPLETE FOR JOINT CREDIT: MARRIED SEPARATED UNMARRIED (Single - Divorced - Widowed) MARRIED SEPARATED UNMARRIED (Single - Divorced - Widowed) EMPLOYMENT/INCOME NAME AND ADDRESS OF EMPLOYER EMPLOYMENT/INCOME NAME AND ADDRESS OF EMPLOYER % START DATE NOTICE: ALIMONY, CHILD SUPPORT, OR SEPARATE MAINTENANCE INCOME NEED NOT BE REVEALED IF YOU DO NOT CHOOSE TO HAVE IT CONSIDERED. EMPLOYMENT INCOME OTHER INCOME START DATE NOTICE: ALIMONY, CHILD SUPPORT, OR SEPARATE MAINTENANCE INCOME NEED NOT BE REVEALED IF YOU DO NOT CHOOSE TO HAVE IT CONSIDERED. EMPLOYMENT INCOME OTHER INCOME NET GROSS SOURCE NET GROSS SOURCE STATE LAW NOTICES OHIO RESIDENTS ONLY: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. SIGNATURES You promise that everything you have stated in this application is correct to the best of your knowledge. If there are any important changes you will notify us in writing immediately. You authorize the Credit Union to obtain credit reports in connection with this application for credit and for any update, increase, renewal, extension, or collection of the credit received. You understand that the Credit Union will rely on the information in this application and your credit report to make its decision. If you request, the Credit Union will tell you the name and address of any credit bureau from which it received a credit report on you. It is a crime to willfully and deliberately provide incomplete or incorrect information in this application. APPLICANT S SIGNATURE DATE OTHER SIGNATURE DATE

5 AnIRA designed to build up funds without ever paying taxes on the investment earnings Pay no fede ral taxes whatsoever on IRA (FOLD HERE TO MAIL. PLEASE DO NOT CUT.) BUSINESS REPLY MAIL FIRST-CLASS MAIL PERMIT NO.160 BEAVER,PA FIRST-CLASS MAIL PERMIT POSTAGE NO. WILL 160BE PAID BEAVER BY ADDRESSEE PA WEST-AIRCOMM WEST-AIRCOMM FEDERAL CREDIT UNION FEDERAL PO CREDIT BOX 568 UNION PO BOX BEAVER 568 PA BEAVER PA No age limit when you must start taking withdrawal als. 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 info rmation Accounts are federal ly insured up to 250,000 by the NCUA, a U.S. Government Agency. BUSINESS REPLY MAIL POSTAGE WILL BE PAID BY ADDRESSEE (FOLD HERE TO MAIL. PLEASE DO NOT CUT.) NO POSTAGE NECESSARY IF MAILED IN THE 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.) (TAPE HERE AFTER FOLDING.)

6 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 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 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. WAC Home Loan 3.25% APR West-Aircomm is now offering a Home Loan - with a low fixed rate of 3.25% APR for 96 months that can be used for a multitude of reasons. You can pay off your first mortgage and save thousands of dollars in interest, consolidate your loans, remodel your home or use the funds for any good reason! The interest paid in most cases is tax deductible. The closing costs for this loan are much lower than a conventional mortgage and there aren t any points or prepayment penalties. Plus you can close on your loan inweeks not months! You can apply for this great offer today online at westaircomm.com, at any of our branches or by phone at Annual percentage rate accurate as of 10/01/2014 could change without notice. The fixed monthly 8 year term payment for 10,000 borrowed is Owner occupied home required. Property insurance required. Title insurance and appraisal may be required. Documentation fee of Up to 85% LTV. Subject to WAC s underwriting standards. Other rates and terms available.