Westoba. -ssential. WestProtect and Phillips Insurance Agency Join Forces. Plus

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1 FALL 2014 Credit unions, members gear up to celebrate International Credit Union Day October 16, 2014 ach year on the third Thursday of October, credit unions around the world join together to celebrate International Credit Union Day. This year, Credit Union Day takes place October 16. International Credit Union Day OCTOBR 16, 2014 Westoba Community fundraising Throughout the summer months, many Westoba branches host fundraiser BBQs for the charity of their choice. Below are photos from a few of those events: 200+ million people worldwide choose a credit union Connect Using #ICUDay Credit Union Day began in 1948 as a way to acknowledge the credit union movement s history and celebrate its achievements. The goal of the day is raising awareness of the work credit unions do locally and internationally. WestProtect and Phillips Insurance Agency Join Forces Here at Westoba Credit Union, we contributed over $350,000 back to the community in 2013 by way of a cash donation or sponsoring local events and community projects. In addition, Westoba staff donated on average over 3000 personal hours to many worthy charities and community events throughout the year. GLOBAL GOOD. Local Service. O -GO We re so happy you re a part of our credit union community and on Credit Union Day, please join us for refreshments at one of our 21 branch locations across Manitoba. CO OP RA CAT IG DU DIS TR IBU TIO TM IO G CO OP AM O TIO O RA TIV M MB TO S S R S RV IC TO M M O D M B CR AT -D IC CO IS CR TR O IM I L AT IO Contact Us RS Corporate Office Unit C, th Street Brandon, MB R7A 48 bem OP LU & VO T AR MB Y M BU ILD I G R SH FI A SO IP CIA L ST AB ILI TY C IA L R SP O S IB ICU2014_PosterWC.indd 1 IL IT Y Branch Offices 6/12/14 8:50 AM When should you start saving for your child s education? photo: istockphoto by stockstudiox You just survived back-to-school time and all the usual expenses that come with it: school supplies, backpacks, clothing, shoes, activity fees, etc. But as your child gets older, there s another back-to-school expense looming on the horizon and it s a big one saving for their post-secondary education. So when should you start? And how? An RSP is a tax-sheltered education savings account that allows you, your family and friends to save for your child s post-secondary education. There is no annual contribution limit with a maximum lifetime contribution limit of $50,000. By opening an RSP for your child, he or she is eligible to receive funds from the Canada ducation Savings Grant (CSG). Through Carberry Branch hosted a BBQ on June 13 and raised $662 for the Carberry Food Bank. Pictured above is the cheque presentation. the CSG, the government adds an additional 20 per cent on your contributions, up to an annual maximum of $2,500. This means that if you contribute $2,000 a year to your child s RSP, the government will kick in an additional $400 per year. If you re interesting in opening an RSP for your child, or simply looking for more information on how best to save for their post-secondary education, please call us at WSTOBA. We will be happy to connect you with someone who can help. Scholarships Swan Lake member Kailee Rutherford was the winner of a $1,000 scholarship from CRI Canada Ltd. Kailee graduated from Prairie Mountain High School in Somerset, Manitoba in June 2014, and is attending the University of Manitoba this fall to pursue a science degree with hopes of a career in medicine. Pictured (left to right) are Jo-Ann Scott (Account xecutive, CRI Canada), Kailee Rutherford and Randy Brown (Westoba VP of Member Solutions) Brandon: 10th & Princess... ATM th & Victoria... ATM st & McTavish... ATM th & Kirkcaldy*... ATM Wealth Management Centre Carberry... ATM Cartwright Glenboro Killarney... ATM La Riviere inette Belmont (sub-branch) Onanole... ATM Pilot Mound Rivers estprotect Insurance Agency and Phillips Insurance Agency are partnering to offer members and nonmembers more options. When it comes to insurance and investments, having options is key and this partnership offers just that. Both locations still carry the same great insurance products as before but by connecting the two through a referral system, members will always have the right coverage in place to meet their specific needs. 1st Street Branch in Brandon hosted a BBQ on June 13, which raised $735 for Helping Hands Soup Kitchen. Shilo... ATM Souris Swan Lake Bruxelles (sub branch) The Pas... ATM Winnipeg: 1890 Pembina Hwy.... ATM Portage Ave.*... ATM With this merger, Phillips Insurance Agency has moved to a new location in the First Victoria strip mall at the southwest corner of Victoria Avenue and 1st Street in Brandon. The official address is Unit B-510 1st Street. Wanda Villers of Phillips Insurance Agency says, Kathleen, Sheri and I are very excited to be part of the Westoba organization. We feel it provides us with even more opportunities to improve our client service and look forward to not only working with the Westoba Team, but also getting to know its members. WestProtect Insurance Agencies 10th Street * Drive-Thru ATM at this branch WestProtect Insurance Agency remains located at their 10th Street location in downtown Brandon or Toll Free TeleService Representatives Monday to Friday 8:00 am to 8:00 pm Saturday 8:00 am to 4:00 pm Automated TeleService 24 hours a day, 7 days a week westoba.com TLSRVIC is a registered trademark owned by Vancouver City Savings Credit Union and is used under licence. ACCULIK & Design are registered trademarks owned by the Credit Union Central of Canada and are used under licence. CU@HOM is a trademark owned by Credit Union Central of Canada and is used under licence. MMBR CARD Design is a registered certification mark owned by Credit Union Central of Canada and is used under licence. ITRAC & Design are registered trademarks owned by Interac Inc., authorized user of the mark. CIRRUS & Design are registered trademarks owned by Cirrus System Inc. and are used under licence. MASTRO is a registered trademark owned by Maestro International Inc. and is used under licence. MASTRCARD & Design are registered trademarks owned by MasterCard International Inc. This newsletter is printed on paper containing 10% recycled content. Staff of Phillips Insurance Agency (left to right): Sheri Dillabough, Kathleen Kalberg and Wanda Villers. -ssential Plus and -ssential Plus Unlimited IMM Printed in Canada by Leech Printing Ltd Fittingly, the theme for Credit Union Day in 2014 is Local Service. Global Good. On October 16, over 200 million credit union members from 103 different countries will celebrate with open houses, picnics, fairs, festivals, parades and other activities. The simplest answer is as soon as possible. With rising tuition at an upwards of $20,000 over four years, a registered education savings plan (RSP) is an excellent way to start. W Portage Avenue Branch in Winnipeg hosted a BBQ on July 9 and raised $50 for the Winnipeg Pet Rescue Shelter. -ssential Plus Account Do you do the majority of your banking online and want the convenience and flexibility of banking 24/7 while saving money with one monthly fee? The -ssential Plus and -ssential Plus Unlimited products are our digital solution for your digital lifestyle! COST: Monthly fee of $5.95 (maximum of 40 debits a month) Monthly fee of $14.95 (unlimited debits) Please visit or call Teleservice at for more information.

2 Heart & Stroke Foundation presents ADs to Westoba communities This spring, Westoba staff visited four Westoba communities that were recipients of Automated xternal Defibrillators (ADs) from the Heart & Stroke Foundation. This was in thanks to the 50th Anniversary $10,000 grants awarded in Sean Crawford, Manager of Philanthropy for the Heart and Stroke Foundation, awarded each community location with a plaque. Shown below are the presentations: At Swan Lake, the AD was installed at the Dakota Ojibway Child & Family Services building. Pictured (left-right) are Alissa Bevan (Westoba Marketing Coordinator), Judy Chaske (Child & Family Services), Sean Crawford (Heart & Stroke Foundation) and Sean s son van Crawford. ric Plaetinck (Village of Glenboro, left) received the AD for the Village of Glenboro from Sean Crawford (Heart & Stroke Foundation). They are pictured here with Sean s son van Crawford and Jackie Olver (Westoba s Glenboro Branch). In Rivers, Rolling Dale nterprises received the AD. Pictured (left to right) are Melissa Rushton (Westoba s Rivers branch), Teri Joynt (Rolling Dale nterprises), van Crawford and Sean Crawford (Heart & Stroke Foundation). At Onanole, the AD was installed at the Fire Department. Pictured (left to right) are Sean Crawford (Heart & Stroke Foundation), van Crawford, Marnie Marcischuk (Westoba s Onanole Branch), Dwight McMillan (Onanole Fire Department) and Pennie ylen (Westoba Marketing Coordinator).

3 Westoba evolves to better meet Member needs Members come first at Westoba. We take pride in delivering quality products and exceptional service. Our credit union community is comprised of unique members whose financial needs vary. To better serve members like you, we created specialized teams made up of knowledgeable staff who have the skills to offer excellent personal, commercial and agricultural advice, as well as sound insurance and financial planning guidance. It s about elevating member access to expertise, says Jim Rediger, CO of Westoba Credit Union. We not only offer flexibility and convenience in how members manage their finances through various online, telephone and inbranch services, but also provide exceptional advice through specialized teams who can focus on your specific areas of interest. The Member Solutions Team is led by Vice President Randy Brown, alongside Associate Vice Presidents Don Cataford, Leanne DeVliegere and Melody Judson. These individuals manage dedicated regional teams of professionals committed to ensuring you continue receiving the high level of service you ve grown accustom to as a Westoba member. The Business Solutions Team is led by Vice President Kevin Bower and Associate Vice President Rob Margetts. Together with the Managers of Business Solutions, Melissa Rushton and Keith Parry, Kevin and Rob are building a team of experienced Business Account Representatives ready to help support commercial businesses and agricultural operations. Success for Westoba is defined through the collective success of our members. Thank you for being a part of our credit union community. Our Member and Business Solutions Teams look forward to building our successful relationship well into the future. Westoba s convenient and secure way to send money online.. Welcome to hyperwallt, Westoba s solution for you. This is right for you if you need to securely transfer funds around the world; are a PRIMARY owner of an active chequing or savings account; need to easily transfer between U.S. and Canadian Funds while transferring money; and/or want an online payment solution. You will enjoy the ease and convenience of sending money via , directly from your Westoba account. hyperwallt is now available via MemberDirect Online Banking. Please visit the transfers section of your online banking to learn more, or visit

4 Let Ottawa know that My Credit Union Matters! Credit unions are a crucial part of Canada s economy. very year, they put billions into local communities through loans, investments and community projects. This kind of activity is the foundation of strong local economies. But Ottawa doesn t always understand credit unions and recently they ve decided to tax credit unions the same as banks. Canada s credit unions are asking the federal government to announce in budget 2015 a new tax measure that recognizes that credit unions are different. To get there, Ottawa needs to hear from you. You can remind Ottawa that My Credit Union Matters! by visiting a new web site launched by Credit Union Central of Canada, the national trade association for the credit union system. Visit today to: b Send a letter to the federal Minister of Finance to remind Ottawa that credit unions aren t like banks and shouldn t be taxed the same. c Click on Share your Story to add your voice to others talking about how credit unions make a positive difference for families, businesses and communities. d Get your friends involved by sharing the site on Facebook, or on Twitter using the #mycumatters tag. If you have questions or suggestions, we want to hear from you. mail Credit Union Central of Canada at [email protected]. Get rewarded for everyday spending with a CHOIC RWARDS MasterCard. Ask us for details WSTOBA westoba.com

5 FALL 2014 Credit unions, members gear up to celebrate International Credit Union Day October 16, 2014 ach year on the third Thursday of October, credit unions around the world join together to celebrate International Credit Union Day. This year, Credit Union Day takes place October 16. International Credit Union Day OCTOBR 16, 2014 Westoba Community fundraising Throughout the summer months, many Westoba branches host fundraiser BBQs for the charity of their choice. Below are photos from a few of those events: 200+ million people worldwide choose a credit union Connect Using #ICUDay Credit Union Day began in 1948 as a way to acknowledge the credit union movement s history and celebrate its achievements. The goal of the day is raising awareness of the work credit unions do locally and internationally. WestProtect and Phillips Insurance Agency Join Forces Here at Westoba Credit Union, we contributed over $350,000 back to the community in 2013 by way of a cash donation or sponsoring local events and community projects. In addition, Westoba staff donated on average over 3000 personal hours to many worthy charities and community events throughout the year. GLOBAL GOOD. Local Service. O -GO We re so happy you re a part of our credit union community and on Credit Union Day, please join us for refreshments at one of our 21 branch locations across Manitoba. CO OP RA CAT IG DU DIS TR IBU TIO TM IO G CO OP AM O TIO O RA TIV M MB TO S S R S RV IC TO M M O D M B CR AT -D IC CO IS CR TR O IM I L AT IO Contact Us RS Corporate Office Unit C, th Street Brandon, MB R7A 48 bem OP LU & VO T AR MB Y M BU ILD I G R SH FI A SO IP CIA L ST AB ILI TY C IA L R SP O S IB ICU2014_PosterWC.indd 1 IL IT Y Branch Offices 6/12/14 8:50 AM When should you start saving for your child s education? photo: istockphoto by stockstudiox You just survived back-to-school time and all the usual expenses that come with it: school supplies, backpacks, clothing, shoes, activity fees, etc. But as your child gets older, there s another back-to-school expense looming on the horizon and it s a big one saving for their post-secondary education. So when should you start? And how? An RSP is a tax-sheltered education savings account that allows you, your family and friends to save for your child s post-secondary education. There is no annual contribution limit with a maximum lifetime contribution limit of $50,000. By opening an RSP for your child, he or she is eligible to receive funds from the Canada ducation Savings Grant (CSG). Through Carberry Branch hosted a BBQ on June 13 and raised $662 for the Carberry Food Bank. Pictured above is the cheque presentation. the CSG, the government adds an additional 20 per cent on your contributions, up to an annual maximum of $2,500. This means that if you contribute $2,000 a year to your child s RSP, the government will kick in an additional $400 per year. If you re interesting in opening an RSP for your child, or simply looking for more information on how best to save for their post-secondary education, please call us at WSTOBA. We will be happy to connect you with someone who can help. Scholarships Swan Lake member Kailee Rutherford was the winner of a $1,000 scholarship from CRI Canada Ltd. Kailee graduated from Prairie Mountain High School in Somerset, Manitoba in June 2014, and is attending the University of Manitoba this fall to pursue a science degree with hopes of a career in medicine. Pictured (left to right) are Jo-Ann Scott (Account xecutive, CRI Canada), Kailee Rutherford and Randy Brown (Westoba VP of Member Solutions) Brandon: 10th & Princess... ATM th & Victoria... ATM st & McTavish... ATM th & Kirkcaldy*... ATM Wealth Management Centre Carberry... ATM Cartwright Glenboro Killarney... ATM La Riviere inette Belmont (sub-branch) Onanole... ATM Pilot Mound Rivers estprotect Insurance Agency and Phillips Insurance Agency are partnering to offer members and nonmembers more options. When it comes to insurance and investments, having options is key and this partnership offers just that. Both locations still carry the same great insurance products as before but by connecting the two through a referral system, members will always have the right coverage in place to meet their specific needs. 1st Street Branch in Brandon hosted a BBQ on June 13, which raised $735 for Helping Hands Soup Kitchen. Shilo... ATM Souris Swan Lake Bruxelles (sub branch) The Pas... ATM Winnipeg: 1890 Pembina Hwy.... ATM Portage Ave.*... ATM With this merger, Phillips Insurance Agency has moved to a new location in the First Victoria strip mall at the southwest corner of Victoria Avenue and 1st Street in Brandon. The official address is Unit B-510 1st Street. Wanda Villers of Phillips Insurance Agency says, Kathleen, Sheri and I are very excited to be part of the Westoba organization. We feel it provides us with even more opportunities to improve our client service and look forward to not only working with the Westoba Team, but also getting to know its members. WestProtect Insurance Agencies 10th Street * Drive-Thru ATM at this branch WestProtect Insurance Agency remains located at their 10th Street location in downtown Brandon or Toll Free TeleService Representatives Monday to Friday 8:00 am to 8:00 pm Saturday 8:00 am to 4:00 pm Automated TeleService 24 hours a day, 7 days a week westoba.com TLSRVIC is a registered trademark owned by Vancouver City Savings Credit Union and is used under licence. ACCULIK & Design are registered trademarks owned by the Credit Union Central of Canada and are used under licence. CU@HOM is a trademark owned by Credit Union Central of Canada and is used under licence. MMBR CARD Design is a registered certification mark owned by Credit Union Central of Canada and is used under licence. ITRAC & Design are registered trademarks owned by Interac Inc., authorized user of the mark. CIRRUS & Design are registered trademarks owned by Cirrus System Inc. and are used under licence. MASTRO is a registered trademark owned by Maestro International Inc. and is used under licence. MASTRCARD & Design are registered trademarks owned by MasterCard International Inc. This newsletter is printed on paper containing 10% recycled content. Staff of Phillips Insurance Agency (left to right): Sheri Dillabough, Kathleen Kalberg and Wanda Villers. -ssential Plus and -ssential Plus Unlimited IMM Printed in Canada by Leech Printing Ltd Fittingly, the theme for Credit Union Day in 2014 is Local Service. Global Good. On October 16, over 200 million credit union members from 103 different countries will celebrate with open houses, picnics, fairs, festivals, parades and other activities. The simplest answer is as soon as possible. With rising tuition at an upwards of $20,000 over four years, a registered education savings plan (RSP) is an excellent way to start. W Portage Avenue Branch in Winnipeg hosted a BBQ on July 9 and raised $50 for the Winnipeg Pet Rescue Shelter. -ssential Plus Account Do you do the majority of your banking online and want the convenience and flexibility of banking 24/7 while saving money with one monthly fee? The -ssential Plus and -ssential Plus Unlimited products are our digital solution for your digital lifestyle! COST: Monthly fee of $5.95 (maximum of 40 debits a month) Monthly fee of $14.95 (unlimited debits) Please visit or call Teleservice at for more information.

6 FALL 2014 Credit unions, members gear up to celebrate International Credit Union Day October 16, 2014 ach year on the third Thursday of October, credit unions around the world join together to celebrate International Credit Union Day. This year, Credit Union Day takes place October 16. International Credit Union Day OCTOBR 16, 2014 Westoba Community fundraising Throughout the summer months, many Westoba branches host fundraiser BBQs for the charity of their choice. Below are photos from a few of those events: 200+ million people worldwide choose a credit union Connect Using #ICUDay Credit Union Day began in 1948 as a way to acknowledge the credit union movement s history and celebrate its achievements. The goal of the day is raising awareness of the work credit unions do locally and internationally. WestProtect and Phillips Insurance Agency Join Forces Here at Westoba Credit Union, we contributed over $350,000 back to the community in 2013 by way of a cash donation or sponsoring local events and community projects. In addition, Westoba staff donated on average over 3000 personal hours to many worthy charities and community events throughout the year. GLOBAL GOOD. Local Service. O -GO We re so happy you re a part of our credit union community and on Credit Union Day, please join us for refreshments at one of our 21 branch locations across Manitoba. CO OP RA CAT IG DU DIS TR IBU TIO TM IO G CO OP AM O TIO O RA TIV M MB TO S S R S RV IC TO M M O D M B CR AT -D IC CO IS CR TR O IM I L AT IO Contact Us RS Corporate Office Unit C, th Street Brandon, MB R7A 48 bem OP LU & VO T AR MB Y M BU ILD I G R SH FI A SO IP CIA L ST AB ILI TY C IA L R SP O S IB ICU2014_PosterWC.indd 1 IL IT Y Branch Offices 6/12/14 8:50 AM When should you start saving for your child s education? photo: istockphoto by stockstudiox You just survived back-to-school time and all the usual expenses that come with it: school supplies, backpacks, clothing, shoes, activity fees, etc. But as your child gets older, there s another back-to-school expense looming on the horizon and it s a big one saving for their post-secondary education. So when should you start? And how? An RSP is a tax-sheltered education savings account that allows you, your family and friends to save for your child s post-secondary education. There is no annual contribution limit with a maximum lifetime contribution limit of $50,000. By opening an RSP for your child, he or she is eligible to receive funds from the Canada ducation Savings Grant (CSG). Through Carberry Branch hosted a BBQ on June 13 and raised $662 for the Carberry Food Bank. Pictured above is the cheque presentation. the CSG, the government adds an additional 20 per cent on your contributions, up to an annual maximum of $2,500. This means that if you contribute $2,000 a year to your child s RSP, the government will kick in an additional $400 per year. If you re interesting in opening an RSP for your child, or simply looking for more information on how best to save for their post-secondary education, please call us at WSTOBA. We will be happy to connect you with someone who can help. Scholarships Swan Lake member Kailee Rutherford was the winner of a $1,000 scholarship from CRI Canada Ltd. Kailee graduated from Prairie Mountain High School in Somerset, Manitoba in June 2014, and is attending the University of Manitoba this fall to pursue a science degree with hopes of a career in medicine. Pictured (left to right) are Jo-Ann Scott (Account xecutive, CRI Canada), Kailee Rutherford and Randy Brown (Westoba VP of Member Solutions) Brandon: 10th & Princess... ATM th & Victoria... ATM st & McTavish... ATM th & Kirkcaldy*... ATM Wealth Management Centre Carberry... ATM Cartwright Glenboro Killarney... ATM La Riviere inette Belmont (sub-branch) Onanole... ATM Pilot Mound Rivers estprotect Insurance Agency and Phillips Insurance Agency are partnering to offer members and nonmembers more options. When it comes to insurance and investments, having options is key and this partnership offers just that. Both locations still carry the same great insurance products as before but by connecting the two through a referral system, members will always have the right coverage in place to meet their specific needs. 1st Street Branch in Brandon hosted a BBQ on June 13, which raised $735 for Helping Hands Soup Kitchen. Shilo... ATM Souris Swan Lake Bruxelles (sub branch) The Pas... ATM Winnipeg: 1890 Pembina Hwy.... ATM Portage Ave.*... ATM With this merger, Phillips Insurance Agency has moved to a new location in the First Victoria strip mall at the southwest corner of Victoria Avenue and 1st Street in Brandon. The official address is Unit B-510 1st Street. Wanda Villers of Phillips Insurance Agency says, Kathleen, Sheri and I are very excited to be part of the Westoba organization. We feel it provides us with even more opportunities to improve our client service and look forward to not only working with the Westoba Team, but also getting to know its members. WestProtect Insurance Agencies 10th Street * Drive-Thru ATM at this branch WestProtect Insurance Agency remains located at their 10th Street location in downtown Brandon or Toll Free TeleService Representatives Monday to Friday 8:00 am to 8:00 pm Saturday 8:00 am to 4:00 pm Automated TeleService 24 hours a day, 7 days a week westoba.com TLSRVIC is a registered trademark owned by Vancouver City Savings Credit Union and is used under licence. ACCULIK & Design are registered trademarks owned by the Credit Union Central of Canada and are used under licence. CU@HOM is a trademark owned by Credit Union Central of Canada and is used under licence. MMBR CARD Design is a registered certification mark owned by Credit Union Central of Canada and is used under licence. ITRAC & Design are registered trademarks owned by Interac Inc., authorized user of the mark. CIRRUS & Design are registered trademarks owned by Cirrus System Inc. and are used under licence. MASTRO is a registered trademark owned by Maestro International Inc. and is used under licence. MASTRCARD & Design are registered trademarks owned by MasterCard International Inc. This newsletter is printed on paper containing 10% recycled content. Staff of Phillips Insurance Agency (left to right): Sheri Dillabough, Kathleen Kalberg and Wanda Villers. -ssential Plus and -ssential Plus Unlimited IMM Printed in Canada by Leech Printing Ltd Fittingly, the theme for Credit Union Day in 2014 is Local Service. Global Good. On October 16, over 200 million credit union members from 103 different countries will celebrate with open houses, picnics, fairs, festivals, parades and other activities. The simplest answer is as soon as possible. With rising tuition at an upwards of $20,000 over four years, a registered education savings plan (RSP) is an excellent way to start. W Portage Avenue Branch in Winnipeg hosted a BBQ on July 9 and raised $50 for the Winnipeg Pet Rescue Shelter. -ssential Plus Account Do you do the majority of your banking online and want the convenience and flexibility of banking 24/7 while saving money with one monthly fee? The -ssential Plus and -ssential Plus Unlimited products are our digital solution for your digital lifestyle! COST: Monthly fee of $5.95 (maximum of 40 debits a month) Monthly fee of $14.95 (unlimited debits) Please visit or call Teleservice at for more information.