Checking Account Options September 1st, 2013 (rates are subject to change)

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1 Checking Account Options Earn with Eco-Checking. Good for you. Good for us all. Point West Credit Union is rooted in the cooperative nature of credit unions - we are all about people helping people. And in this case, we are people helping people and the environment, with some earnings, all mixed in. Use your credit union to the fullest and earn more with Eco Checking. It is good for you, and good for your credit union. Account details are listed below. Speak with a Member Service Representative if you have any questions. Account Type/Minimum Balance Special Features Dividend Rate/APY Eco Checking/$0 Free checking featuring 2.50% APY on balances up to fees, and special promotions just for Eco Checking members. See * below for Eco Checking requirements Up to $25, %/2.529%* Bonus Checking/$0 Free checking featuring 0.50% APY on balances up to fees, and special promotions just for Bonus Checking members. See * below for Bonus Checking requirements Up to $25, %/0.501%* Free Checking/$0 Free checking featuring 0.25% APR discount on loans and no monthly fees. See * below for Free Checking requirements Standard Checking/$0 Our standard checking featuring 0.25% APR discount on loans. Includes a $10 monthly service fee. See * below for Standard checking requirements Fresh Start Checking/$0 The second chance checking account for members who do not qualify for Standard checking because of damaged credit and/or a ChexSystems record. Includes a $10 monthly service. Ask a Member Service Representative for details. *Dividend Rate/APY may change at any time. No enrollment is necessary to receive Dividend Rate/APY. Dividend Rate/APY are applied to balances up to $25,000. Dividend Rate/APY is accrued daily and paid monthly. Dividend Rate/APY is applied to one checking suffix per account. Dividend Rate/APY is only applied to one account per primary member. Requirement period runs from the 28th of the prior month to the 27th of the current month. Eco Checking requires 5 credit card purchases, a successful login to online banking, a direct deposit or multiple direct deposits totaling $500 or more from an external source, and enrollment in e-statements in the requirement period. Bonus Checking requires 5 debit card purchases, a successful login to online banking, a direct deposit or multiple direct deposits totaling $500 or more from an external source, and enrollment in e-statements in the requirement period. Free checking requires enrollment in e-statements. Standard checking fees only apply to new checking accounts as of 2/1/2012 if the member is younger than 55 years of age. Existing checking accounts and members 55 years of age or older will not receive a Standard Checking Service Fee. Loan discounts do not apply to VISAs or real estate loans. APR = Annual Percentage Rate. APY = Annual Percentage Yield. Point West Credit Union is a member-owned cooperative and pays dividends/interest based on current earnings. Future rates cannot be guaranteed. Dividends on High Yield Passbook, Club Accounts, and IRAs are computed from day of deposit to day of withdrawal and posted on the last day of the month. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the interest rate and frequency on compounding for an annual period. See our Fee Schedule for complete details on individual fees charged for specific services. You can also find our rates online at pointwestcu.com. Call Member Services at for additional service or assistance. Federally insured by the NCUA.

2 Savings & Investment Options Account Type/Minimum Balance Special Features Dividend Rate/APY High Yield Savings /$25 Club Accounts /$0 Money Market /$2,500 Earn daily dividends, paid monthly. Deposit, withdraw, or transfer with an ATM Card, featuring worldwide ATM access. Or save for taxes or special occasions with our Club Accounts. No ATM access to club accounts. Up to 6 withdrawals or transfers per month. Make transfers through Online Banking, SpeedyLine telephone teller, or in person. This account does not pay dividends on balances of less than $2,500. $100,000 or more %/0.000% $50,000 - $99, %/0.000% $25,000 - $49, %/0.000% $10,000 - $24, %/0.000% $0 - $9, %/0.000% $100,000 or more %/0.250% $50,000 - $99, %/0.125% $25,000 - $49, %/0.050% $10,000 - $24, %/0.050% $2,500 - $9, %/0.025% Share Certificates Dividends are calculated daily and paid monthly. Penalties are assessed for early withdrawal. NCUA insurance is $250,000 per member. Ask a Member Service Representative for details regarding NCUA insurance. For details on Share Certificates, please contact Point West at to speak with a Member Service Representative. Certificate Type Term Deposit Interest Rate/APY Account Disclosures Member+ Share Certificates 12 months $500 - $200, %/0.500% Minimum Certificate deposit of $500, maximum deposit of $200,000. Member + Certificates require a Point West Checking Account and Debit Card, plus three of the following products/services: direct deposit, consumer loan, VISA card with activity, e-statements, youth saving account affiliation with automatic transfer to the youth account. Conditions apply if not all criteria are maintained for the term of the certificate. For details please speak with a Member Service Representative Regular Share Certificates 12 months $500 - $200, %/0.250% 36 months $500 - $200, %/0.750% 60 months $500 - $200, %/1.000% Minimum Certificate deposit of $500, maximum deposit of $200,000. Terms and conditions apply. Penalties for early withdrawal will be assessed. Contact Point West at for details Individual Retirement Account (IRA) IRA accounts may be invested into Share Certificates or Savings Accounts. Save and defer taxes up to $5,500 per wage earner per year if you qualify. No set-up, annual, or transfer fees. Insured separately by the NCUA to $250,000. Dividends are calculated daily and paid monthly. Roth, SEP, and Education IRAs also available. Contact your tax advisor. You may qualify, if you are 50 years or older, for the catch-up, which could be $6,500 per year. Savings and Money Market Transfer Limitations - Up to six (6) transfers per calendar month, per suffix/account. The transfer limitation applies to preauthorized, automatic, overdraft, and telephone transfers (including SpeedyLine and Onling Banking) to another account of yours or a Federally insured by the NCUA. third party. A preauthorized transfer includes any arrangement with Point West Credit Union to pay a third party from your account upon written or oral orders (such as your automoblie insurance company or health club), including orders received through the Automated Clearing House (ACH). There is no limit on the number of transactions you may make to another Point West Credit Union account or withdrawals (checks made directly to you) when such transfer or withdrawal is initiated in person, by mail or at an ATM. APR = Annual Percentage Rate. APY = Annual Percentage Yield. Point West Credit Union is a member-owned cooperative and pays dividends/interest based on current earnings. Future rates cannot be guaranteed. Dividends on High Yield Passbook, Club Accounts, and IRAs are computed from day of deposit to day of withdrawal and posted on the last day of the month. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the interest rate and frequency of compounding for an annual period. See our Fee Schedule for complete details on individual fees charged for specific services. You can also find our rates online at pointwestcu.com. Call Member Services at for additional service or assistance. Investment Services* Point West has partnered with Dean Eisenbraun of Lion Financial to provide Investment Services* to Point West Members. To learn more, visit pointwestcu.com or contact Dean directly at or dean@lionfa.com. *Security and advisory services offered through KMS Financial Services, Inc. Member FINRA/SIPC. Investments are: NOT NCUA/FDIC INSURED, NO CREDIT UNION GUARANTEE, MAY LOSE VALUE.

3 Loan & VISA Rates Loan Type Terms and Special Features APR New and Used Auto Finance up to 115% of purchase price on new autos. Finance up to 115% Kelly Blue Book, applies to vehicles 7 years old or newer. Terms to 84 months. Lowest rate stated is for 60 month term and A+ credit. 1.99% to 16.99% (New Fixed)* 2.24% to 16.99% (Used Fixed)* Older Used Auto New or Used RV/Boat Bikes Lines of Credit and Personal Loans Finance up to 105% Kelly Blue Book, applies to vehicles 8-10 years old. Terms to 60 months. Lowest rate stated is for a 60 month term and A+ credit. Finance up to 100% of purchase price on new, and 100% Kelly Blue Book on used. Terms to 15 years. Applies to RVs and boats 7 year old or newer. Minimum loan of $750, maximum loan of $5,000. Terms up to 36 months. Lowest rate requires auto pay and is based on credit. Advance the Line of Credit online at pointwestcu.com or through SpeedyLine, our telephone teller. Terms of 60 months for personal loans. 2.99% to 18.99% (Fixed)* 7.75% to 24.75% (Variable) 4.74% to 8.74% (Variable)* 10.00% to 24.00%* (Variable)* Share Secured A loan to help members repair their credit. Deposit funds into a Point West share account or share certificate to secure the loan. Borrow up to 100% of the share balance. Loan status is reported to the credit bureaus. 1.24% (Fixed) VISA Platinum No annual or international transaction fees, auto rental and travel accident insurance, worldwide acceptance. Use as a charge card, ATM card, or for point-of-sale access. 25- day grace period, payment 3% of balance. 8.95% purchase rate 12.45% cash advance rate + $5 fee VISA Classic No annual or international transaction fees, 25-day grace period, accepted worldwide. Use as a charge card or ATM card, or for point-of-sale access. Payment 3% of balance % purchase rate 18.49% cash advance rate + $5 fee SilverLine VISA No annual or international transaction fees, 25-day grace period, accepted worldwide. Use as a charge card, ATM card, or for point-of-sale access. Payment 3% of balance % purchase rate 17.49% cash advance rate + $5 fee Fresh Start VISA $25 initial processing fee, 25-day grace period, accepted 17.90% purchase rate worldwide. Use as a charge or ATM card, or for point-of-sale 21.40% cash advance rate + $5 fee access. Payment 3% of balance. No international transaction fees. Home Mortgage & Home Equity Loans Contact us for home mortgage information: For Home Equity: see the home mortgage & home equity loans rate sheet. Contact us and view the home mortgage & home equity loans rate sheet. *For lowest rate, loan payments must be made via automatic payment. Rate is 0.25% higher for non-auto pay loan payments. Typical payment is $12.89 per $1000 borrowed. APR = Annual Percentage Rate. All rates are subject to change. All rates are variable, unless noted otherwise, and are tied to the Prime Rate. Rate changes the 1st day of the month after the Prime Rate index changes. You will receive written notification in advance of any increase. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral, and your credit score. All loans are subject to credit approval. Call Point West s Consumer Loan Center at or for the latest rates and terms.

4 Home Mortgage & Home Equity Loans Loan Type Features Rates and Terms Home Equity Line of Credit (HELOC)** - Variable Access an equity line of credit for up to 80% loan to value (LTV). Variable rate, tied to the federal prime rate. Access funds by check or transfer. Reduce the rate by 0.25% with automatic payment from a Point West account. Minimum rate of 2.50% APR. Prime Rate + Interest Margin Margin as low as +0.00% APR 2.50% APR lowest rate Home Equity Line of Credit (HELOC)* - Fixed Lock in a fixed rate on your home equity line of credit for up to 15 years. Access an equity line of credit for up to 80% loan to value (LTV). No annual fee. Access funds by check or transfer. 4.00% APR Fixed* lowest rate 65% LTV w/ autopay Home Equity Fixed Term Loan Access an equity loan for up to 80% loan to value (LTV). A fixed rate with no annual fee. Reduce the rate by 0.25% with auto payment from a Point West account. 2.75% APR Fixed* lowest rate on 7 year 65% LTV w/ autopay Purchases & Refinances Visit our website at pointwestcu.com and click on Home in the Loans section for details on purchases and refinances through Point West. Call or for details *APR = Annual Percentage Rate. Rates for all Point West Credit Union loans connected to home equity are determined by credit score and loan to value. Rates stated above are based on A+ credit. Minimum Line of Credit for the Fixed HELOC is $5,000. Payment must be made via automatic payment. Rate is 0.25% APR higher for non-auto loan payments. **APR = Annual Percentage Rate. To qualify for a HELOC, a member must have sufficient home equity to qualify for minimum line of $5,000. Rates change the 1st day of the following month after Prime Rate index changes. Minimum payment 1.5% of outstanding balance. The margin connected to Prime Rate is determined by credit score. Maximum rate of 18.00% APR. Typical payment is $7.54 per $1000 borrowed.

5 Business Accounts Account Type/Minimum Balance Features Dividend Rate/APY Business Savings /$25 Earn daily dividends, paid monthly. Minimum Balance of $25. $100,000 or more %/0.000% $50,000 - $99, %/0.000% $25,000 - $49, %/0.000% $10,000 - $24, %/0.000% $0 - $9, %/0.000% Business Eco Checking/$0 Money Market /$2,500 Free checking featuring 2.50% APY on balances up to fees, and special promotions just for Eco Checking members. See * below for Eco Checking requirements Up to 6 withdrawals or transfers per month. Make transfers through Online Banking, SpeedyLine telephone teller, or in person. This account does not pay dividends on balances of less than $2,500. Up to $25, %/2.529%* $100,000 or more %/0.250% $50,000 - $99, %/0.125% $25,000 - $49, %/0.050% $10,000 - $24, %/0.050% $2,500 - $9, %/0.025% Merchant Card Services If your business is expanding, the need for a flexible credit card payment system can be critical to your continuing success. Choosing the right financial partner for your merchant program can be equally important. Point West Credit Union s Merchant Bankcard Service Program uses a state-ofthe-art system. Credit card and purchase card transactions can be processed electronically through a point-of-sale (POS) terminal, a touch-tone phone, or PC, and automatically deposited into your business account. Point West Credit Union s Merchant Bankcard Service Program provides the following: - Straightforward pricing with month-to-month service agreement. - Complete training for your staff. - Competitive discount rates designed to give you the best rate based on your processing method and volumes hour customer service. - Detailed statements identifying bankcard activity each month by location. - Varied processing options, including automated response (ARU), PC processing or merchant terminal processing. - Experienced personnel who understand merchant bankcard services and applications. - A helpful, solution-focused customer service representative when you call with a problem or inquiry. *Dividend Rate/APY may change at any time. No enrollment is necessary to receive Dividend Rate/APY. Dividend Rate/APY are applied to balances up to $25,000. Dividend Rate/APY is accrued daily and paid monthly. Dividend Rate/APY is applied to one checking suffix per account. Dividend Rate/APY is only applied to one account per primary member. Requirement period runs from the 28th of the prior month to the 27th of the current month. Eco Checking requires 5 credit card purchases, a successful login to online banking, a direct deposit or multiple direct deposits totaling $500 or more from an external source, and enrollment in e-statements in the requirement period. Bonus Checking requires 5 debit card purchases, a successful login to online banking, a direct deposit or multiple direct deposits totaling $500 or more from an external source, and enrollment in e-statements in the requirement period. Free checking requires enrollment in e-statements. Standard checking fees only apply to new checking accounts as of 2/1/2012 if the member is younger than 55 years of age. Existing checking accounts and members 55 years of age or older will not receive a Standard Checking Service Fee. Loan discounts do not apply to VISAs or real estate loans. Savings and Money Market Transfer Limitations - Up to six (6) transfers per calendar month, per suffix/account. The transfer limitation applies to preauthorized, automatic, overdraft, and telephone transfers (including SpeedyLine and Onling Banking) to another account of yours or a third party. A preauthorized transfer includes any arrangement with Point West Credit Union to pay a third party from your account upon written or oral orders (such as your automoblie insurance company or health club), including orders received through the Automated Clearing House (ACH). There is no limit on the number of transactions you may make to another Point West Credit Union account or withdrawals (checks made directly to you) when such transfer or withdrawal is initiated in person, by mail or at an ATM. APR = Annual Percentage Rate. APY = Annual Percentage Yield. Point West Credit Union is a member-owned cooperative and pays dividends/interest based on current earnings. Future rates cannot be guaranteed. Dividends on High Yield Passbook, Club Accounts, and IRAs are computed from day of deposit to day of withdrawal and posted on the last day of the month. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the interest rate and frequency on compounding for an annual period. See our Fee Schedule for complete details on individual fees charged for specific services. You can also find our rates online at pointwestcu.com. Call Member Services at for additional service or assistance. Federally insured by the NCUA.