Welcome Important Information About Your Accounts

Welcome Important Information About Your Accounts

People helping people achieve their financial goals. It started as a simple idea. Over time it became our mantra. Today, it s not only our mission, it s our #1 priority.

June 1, 2014 Dear Member: It is with great pleasure that I welcome you to Vantage West Credit Union! It has been a month since the merger of Tombstone Federal Credit Union and Vantage West Credit Union took place. We have been working diligently to ensure that the transition to Vantage West is as seamless as possible. I am pleased to inform you that our goal to have our systems fully integrated by July 1, 2014 is on schedule. We are now taking the final steps necessary to consolidate our technologies and operations. During this process, our focus is to ensure we are able to continue to serve your financial needs, and extend all the available resources and benefits to you as a new Vantage West member. Today, we are providing you with this comprehensive packet to assist you with your account(s) throughout the merger process. Here, you will find timely information regarding account changes and enhancements, as well as important action points you will need to be aware of. Most changes will go into effect on July 1, with a few exceptions noted. We are also providing you with Vantage West s member disclosures. While we have tried to anticipate many of your questions, you may call us at 520.298.7882 or 800.888.7882 for further assistance. In addition, you can reference the Tombstone Member information web page containing the most current updates on the merger at vantagewest.org. You will find a link to this web page from the Tombstone Federal website: tombstonefederal.com. We are committed to serving you as we live true to our mission, People helping people achieve their financial goals our #1 priority. Sincerely, Robert D. Ramirez President/CEO Vantage West Welcome Packet 1

Table of Contents Important Branch Closure Notice.....3 Your New Account Number.....3 Share and Loan Account IDs.....3 Routing & Transit Number.....4 (For Checks, ACH Transactions, Check-by-Phone Transactions, etc.) Automated Deposits or Withdrawals Using Your Checking or Savings Account Numbers.....4 Visa Debit Cards.....4 Automated Deposits or Withdrawals Using Your Visa Debit Card Numbers.....5 Electronic Services/Account Access.....5 (Online Banking, Bill Pay, estatements, PhoneBank, Mobile Banking & Other New Electronic Services) Deposit Account Changes...7 (Personal Accounts, Business Accounts) Statements.....9 Check Usage and Check Orders...10 (Existing Checks, New Check Orders) Loan Payment Information...10 (Coupon Books and Payments) Dual Accounts...10 Par Value...10 Safe Deposit Boxes...11 Service Discontinuation...11 Vantage West Contact and Mailing Information...11 Branch Hours and Locations, ATMs and Shared Branching...12 Fees and Fee Changes...13 (Personal Accounts, Business Accounts) Vantage West Credit Union Membership Terms and Conditions...17 (Personal Accounts, Business Accounts, General Membership) 2 Vantage West Welcome Packet

Important Branch Closure Notice The Tombstone Branch will be closed on Monday, June 30, so the system consolidation can take place. The branch will re-open on Tuesday, July 1. For additional branch locations and hours, please see page 12. Your New Account Number Effective July 1, Tombstone account numbers will change to avoid possible duplication and to align the Tombstone account number structure with the Vantage West system. As important as your account number is, we have tried to simplify the change as much as possible. To determine your new account number, add 210000 to your current account number as shown in the examples to the right. Current Tombstone Federal account number 1234: 1234 +210000 = 211234 (NEW Account Number) Current Tombstone Federal account number 34: 34 +210000 = 210034 (NEW Account Number) Share and Loan Account IDs Changes may be made to existing share and loan IDs. These are the two- or three- digit IDs that differentiate each share or loan type, and are often used during phone banking, or when setting up Automated Clearing House (ACH) transactions. Below are examples of how your IDs may change based on Vantage West s account ID structure. For specific information on your own account ID changes, please contact us. Also, you will be able to view the new IDs once you enroll in Vantage West s Online Banking (see page 5 for Online Banking information). Personal Accounts New Vantage West Share IDs 00 Regular Share 70 Checking 65 Money Market (Premium Share) 81 Share Certificates 60 Traditional Individual Retirement Accounts (IRAs) and IRA Share Certificates 51 Roth IRAs and Roth IRA Share Certificates New Vantage West Loan IDs 01 Consumer Loans 21 Line of Credit 91 Mortgage Loans Business Accounts New Vantage West Business Share IDs 00 Business Regular Share 65 Business Premium Share 30-34 Standard Business Checking New Vantage West Business Loan ID 40-42 Business Loans Vantage West Welcome Packet 3

Routing & Transit Number (For Checks, ACH Transactions, Check-by-Phone Transactions, etc.) Vantage West s Routing & Transit Number ( Routing number ): 322174708 A financial institution s Routing number is used to clear checks or set up ACH payments/credits (such as payroll deposit) and check-by-phone payments. You will need this number to set up future items such as these. Automated Deposits or Withdrawals Using Your Checking or Savings Account Numbers All current direct deposits and pre-authorized withdrawals will continue to be honored. When receiving an item for credit to, or debit from your account, Vantage West will notify merchants of the change in the Routing number and Account number on your behalf. This will help assure proper and timely processing in the future. Any new direct deposits or pre-authorized withdrawal transactions should be set up following these instructions: Checking Accounts Vantage West s Routing Number: 322174708 Account #: Please contact us to obtain your new, properly formatted account number s MICR (Magnetic Ink Character Recognition) line, which includes a specialized check digit. Savings Accounts Vantage West s Routing Number: 322174708 Account #: Place two (2) zeroes in front of your NEW account number (as described on page 3) followed by your share ID (this will make a 10-digit number). Example: NEW account number 211234, share ID 65. You would use 0021123465. Visa Debit Cards If you currently have a Visa Debit Card with Tombstone, you will receive a replacement card on or about June 20, along with additional information about the use of your new card. You will also receive a new Personal Identification Number (PIN) in the mail 3 to 5 days after receiving your new Visa Debit Card. Important information about your current Tombstone Visa Debit Card: Your Tombstone Visa Debit Card will continue to work through June 30, 2014. DO NOT DESTROY your Tombstone Visa Debit Card until after July 1, 2014. Important information about your new Vantage West Visa Debit Card: Your Vantage West Visa Debit Card will start working on July 1, 2014, but you must activate the card prior to being able to use it. Activation information will be located on a sticker on the card itself. Should you elect to personalize your new PIN, you may go to any Vantage West branch on or after Tuesday, July 1, to select a new PIN. You will need to use your new PIN with your new card for ATM or point-of-sale (POS) access. Change in daily transaction limits: ATM daily (aggregate) withdrawal limits will increase to $510 POS daily (aggregate) transaction limits will increase to $3,010 Powered by New Visa Debit Card Features: Vantage West is pleased to provide additional features to your Visa Debit Card. As of July 1, you ll have the ability to personalize your Debit Card through the Design Your Own Card portal on our website. You ll also begin earning points for qualifying (signature-based) purchases through our ScoreCard Rewards program. Points are redeemable for a variety of gifts and travel accommodations at Scorecardrewards.com. You ll begin receiving quarterly ScoreCard statements following the system consolidation. 4 Vantage West Welcome Packet

Automated Deposits or Withdrawals Using Your Visa Debit Card Numbers For existing authorizations using your Tombstone Debit Card number, please contact those merchants, on or after July 1 and provide them with your new card number and expiration date. For new authorizations made on or after July 1, always use your new card number and expiration date. If you do not have a Visa Debit Card or a checking account, contact us or visit vantagewest.org to learn more about the features and benefits that come with a Vantage West Visa Debit Card and checking account. Electronic Services/Account Access (Online Banking, Bill Pay, estatements, PhoneBank, Mobile Banking & Other New Electronic Services) Important Notice Electronic access to your accounts (with the exception of your Visa Debit Cards) will be temporarily unavailable starting the evening of Friday, June 27, until the morning of Tuesday, July 1, so that the system consolidation can take place. Online Banking Beginning the evening of Friday, June 27, your account information will no longer be accessible through the Tombstone website (with the exception of estatements, which will be available until August 1). If you want to archive your statements, be sure to download, and save or print them from the Tombstone system prior to August 1. Beginning on July 1, your account information will be available on Vantage West s Online Banking site at vantagewest.org. Please note that account history and transaction details prior to June 28 will not be available through Vantage West s Online Banking. As such, we encourage you to electronically save or print your transaction history as needed. You will be able to enroll in Vantage West s Online Banking starting July 1. To enroll in Vantage West s Online Banking, simply go to vantagewest.org, click on the yellow Log In tab (fig.1), select Online Banking, and then click Enroll Now. (fig.2) (fig.1) (fig.2) The first time you log in, you will use your NEW six-digit Vantage West account number (see page 3) as your username and the last four digits of your Social Security Number as the temporary password. You will then be prompted to create a new username and password, provide us with an email address, and review and accept the Vantage West Online Banking Agreement. The enrollment process also includes an enhanced security login process. This will require you to provide a phone number or email address where you can receive a one-time pass code to verify your identity when logging in to Online Banking. You may designate a computer as a trusted computer by Adding Extra Security, which will allow you to bypass this process during future logins. Vantage West Welcome Packet 5

Bill Pay To ensure that your transition to Vantage West s Bill Pay system goes smoothly, please take note of the important dates and action items below. Also, as indicated in our letter dated May 1, 2014, we recommend you note all of your payees information now, so you can have this on-hand when you enroll in Vantage West s Online Banking and Bill Pay on or after July 1. Starting 12:00 noon on Thursday, June 26, Tombstone s Bill Pay will no longer be accessible. If you want to archive your Bill Pay information, including history and merchant information, be sure to download, and save or print these from the Tombstone Bill Pay system prior to that time. Previously scheduled payments with payment due dates through June 26 will be processed. Any payments scheduled for June 27 or later through the Tombstone Bill Pay system will NOT be processed. On Tuesday, July 1, Bill Pay will be available to you through Vantage West s Online Banking. You will need to enter your payees information and schedule any payments accordingly. Simply click on the Bill Payment button (near the top of the screen) inside Online Banking to access Bill Pay. We are pleased to announce that all current Tombstone Bill Pay users will receive free Bill Pay for one year. (Please refer to Deposit Account Changes/Checking Accounts on how to retain free Bill Pay after July 1, 2015.) estatements If you are already signed up for estatements, you will receive your normal Tombstone notification email when your June estatement is ready. June 2014 and older estatements will no longer be available or accessible through the Tombstone Federal system after August 1. Since they will not be accessible through the Vantage West systems either, please be sure to download your June 2014 and any prior estatements for retention purposes. Starting with July estatements (which will be available on or close to the first business day of August), you will be able to view and access your Vantage West estatements within Vantage West s Online Banking (see page 5). Once you ve enrolled, simply log in to your account and click on the Additional Services > estatements button near the top of the screen. Your Vantage West estatements will remain online (accessible inside of Vantage West s Online Banking) for a period of three years. PhoneBank Starting Tuesday, July 1, you may begin conducting telephone transactions through Vantage West s 24/7 PhoneBank system at 800.269.7070 (outside of Tucson) or 520.751.7070. To access PhoneBank, enter your NEW Vantage West account number (see page 3). To create a PIN, you will be prompted to enter the primary accountholder s 4-digit birth year and last four digits of the primary accountholder s Social Security Number. Mobile Banking & Other New Electronic Services Your Vantage West membership opens the door to a host of other convenient account access and electronic services. These services, which will be available to you on July 1, include: Mobile Banking - Access your accounts from your smartphone with our FREE Mobile App, Text Message Banking, Mobile Deposit Online Account Opening at vantagewest.org External Transfers - Through Popmoney, you can send money to virtually anyone using their email address, mobile number, or bank account information. Or, you can transfer money between your Vantage West accounts and accounts with other financial institutions. Email and text alert notifications and more 6 Vantage West Welcome Packet

Deposit Account Changes (Personal Accounts, Business Accounts) When the systems are combined on July 1, each of your current deposit accounts will be converted to a comparable Vantage West account. In some cases, the change will merely be in the title of the account (visible in Online Banking, for instance). The information below explains such changes and provides a brief description of the new account. For full account terms and conditions (disclosures) and a full listing of fees, please see those respective sections of this packet. For additional information on each account, as well as other accounts offered by Vantage West, please contact us or visit vantagewest.org. Dividend Rates and Structures All of Tombstone s current deposit product rates and structures will remain in effect and will continue to be offered until June 30, 2014. On July 1, Vantage West s fixed and variable share accounts rates and structures will take effect. Note that existing Share Certificates will not be affected. Current rates are posted at vantagewest.org. Personal Accounts Savings Accounts Regular Share - This share account, which houses most members par value deposit of $5.00, will remain a Regular Share. These accounts have a $5 minimum balance requirement, no monthly service fee, earn dividends based on average daily balance, and more. For any member without a Regular Share, one will be opened and we will work with you as needed to move your $5.00 par value deposit/minimum required balance to that share. Other/Secondary Savings - This share account will become an Additional Share. However, if you customized yours by renaming it for a specific use (such as Vacation Savings ), your account will transfer to the Vantage West system with the name you gave it. These accounts have no minimum balance requirement, no monthly service fee and earn dividends based on average daily balance. Money Market - This share account will become a Premium Share. Premium Share accounts have a $500 minimum balance requirement, earn tiered dividends based on average daily balances of $500 or more, have no monthly service fee, allow for up to six checks to be written per month, and more. If the $500 minimum balance requirement is not maintained, you may consider converting the Premium Share to a Secondary Savings. Please contact us so we can work with you to evaluate your options and meet your needs. Share Certificates & Individual Retirement Account (IRA) Share Certificates - The only change to these types of accounts will be the share ID used to identify the account. Prior to maturity, you will receive a notification of the new terms that will be available to you at maturity. At maturity, your Share Certificate will roll over based on the terms stated in your notice. However, you will have seven days from the roll over date to make changes to your Share Certificate. Individual Retirement Accounts (IRAs) - Each type of retirement savings account will be changed to a comparable Vantage West IRA as follows: Traditional IRA - This share account will become a Premium Share IRA. Roth IRA - This share account will become a Roth Share IRA. Both Vantage West IRA types offer a tiered dividend structure based on the account balance. Vantage West Welcome Packet 7

Checking Accounts Each type of checking account will be changed to a Vantage West checking account. Although we will transfer existing checking accounts to the most economical Vantage West checking option, you may find the Premium Checking Account (PCA) better suited for your needs. (We ve provided a description of our PCA below.) Share Draft Checking Accounts will all become ValuFirst Checking, and will have the following features: No monthly service fee No minimum balance requirement Earn Rewards Points through the ScoreCard program for qualifying (signature-based) Visa Debit Card purchases FREE Online Banking with FinanceWorks powered by Quicken FREE Mobile Banking (no Vantage West fees) FREE Online Bill Pay with Direct Deposit and a Visa Debit Card No-Fee Visa Debit Card 1 Discretionary Overdraft Privilege of $500 (for qualifying accounts) 2 Effective July 1, the Discretionary Overdraft Privilege fee will increase from $25 to $32. Also, for those who have it, the Discretionary Overdraft Privilege tolerance limits for Share Draft Checking (currently $300) will be increased to $500 (the allowable amount under a ValuFirst Checking Account). Vantage West s Premium Checking Account SM Although your existing checking accounts will transfer to the Vantage West system as described above, Vantage West also offers a Premium Checking Account (PCA). Along with the features offered by ValuFirst, the PCA provides these additional features and benefits which may better suit your financial needs: No monthly service fee with a $3,000 minimum daily balance, or $15,000 in combined loan balances, or $25,000 in combined share balances, or a First Mortgage Loan FREE ID Theft Resolution Services 3 Earns dividends on average daily balances of $3,000 or more FREE Online Bill Pay FREE unlimited withdrawals at non-vantage West ATMs 4 FREE unlimited use of all Vantage West ATMs FREE Official Checks Discretionary Overdraft Privilege of $750 (for qualifying accounts) 2 1 If you do not already have a Visa Debit Card, one will not automatically be issued to you upon the July 1 system consolidation. Contact us If you would like to obtain one. 2 If an overdraft item is paid through the Discretionary Overdraft Privilege program, a fee of $32 will be imposed for each overdraft item created by share drafts, ACH, Point-of-Sale, ATM withdrawals, in-person withdrawals, or by other electronic means. A negative balance, including any and all fees, is due and payable upon demand with a maximum repayment period of 30 days. Opt in required to cover ATM and Debit Card transactions. Discretionary Overdraft Privilege is non-contractual and discretionary. It is not a Vantage West Credit Union (VWESTCU) obligation and VWESTCU may refuse to provide the service on any checking account, at any time, and from time to time. Additional information can be found in the Discretionary Overdraft Privilege Disclosure. 3 Identity Theft Services are provided by Identity Theft 911, and do not reimburse for any financial losses. Services are available to Vantage West Premium Checking Account (PCA) holders, and anyone living in the PCA holder s immediate household, including children of the PCA holder through age 23 who are away from home as full-time students. 4 No Vantage West fees. 8 Vantage West Welcome Packet

Business Accounts Changes to Business Savings and Checking Accounts will occur as follows: Business Savings Accounts Regular Business Share This share account, which houses most business members par value deposit of $5, will become a Business Regular Share. The Business Regular Share has a $5 minimum balance requirement, earns dividends based on the average daily balance, has no monthly service fee, and more. For any business member without a Business Regular Share, one will be opened and we will work with you as needed to move your $5 par value deposit/minimum required balance to that share. Money Market Business accounts This business account will change to Business Premium Share. Business Premium Share accounts have a minimum balance of $500, earn dividends based on average daily balance, have no monthly service fee, allow up to 6 checks per month, and more. If the $500 minimum balance requirement is not maintained, you may consider consolidating the funds in this account with the funds in the Business Regular Share. Please contact us so we can work with you to evaluate your options and meet your needs. Business Checking Accounts Share Draft Business accounts will change to Vantage West s Standard Business Checking, and will include the following features: 100 transactions per month $100 minimum balance to open $5 monthly maintenance fee (Waived for 1 year on existing Tombstone Business Checking accounts!) No minimum balance Overdraft Protection available Visa Debit/ATM card Online Banking 10 bill payments per month for $5.95 (additional payments are 75 each) Although all existing business checking accounts are converting to the most economical business checking account Vantage West offers, we also have other business checking options which may better suit your needs. Some products and services are subject to approval. Certain restrictions and fees may apply. Federally insured by NCUA. Subject to change without notice. For the most current information, go to vantagewest.org. NMLS# 485751 Statements Paper statements will continue to be mailed as usual, but they will have a new look to them starting with the July 2014 statement. Even if you previously opted out of receiving a statement, you will begin receiving them (in paper form) starting with the July 2014 statement. Beginning July 1, you will have the option to sign up for estatements through Vantage West s Online Banking or by contacting us. For information on estatements and enrolling in Vantage West s Online Banking, see Electronic Services/ Account Access beginning on page 5. Vantage West Welcome Packet 9

Check Usage and Check Orders Existing Checks At this time, members with personal and/or business checking accounts may continue to use their Tombstone Federal checks. Shortly after August 1, a new box of checks will be mailed containing updated account information, at which time you should begin using the new Vantage West checks and immediately destroy the Tombstone checks. We highly recommend that you shred the old checks for security purposes. New Check Orders After July 1, if/when you need new checks, we encourage you to order them through us. You may order checks in a branch, over the phone, or online. When ordering checks from an outside source, you will need to provide the vendor with Vantage West s Routing number, and your account s MICR (Magnetic Ink Character Recognition) line, which includes a special check digit. Please contact us to obtain your account s MICR line. Loan Payment Information For members with loans which are set up for automatic payments from either a Tombstone account or another bank account, there is no need for you to take any action. The payment will continue to occur as scheduled. Members with payment coupon books will receive a new payment coupon book in July and can continue to use the Tombstone payment coupons until then. Also, until July 1, you may continue to mail loan payments to the Tombstone Branch. Beginning July 1, please mail all loan payments to: Vantage West Credit Union P.O. Box 15115 Tucson, AZ 85708 As of July 1, all loan payments may also be made at any of our branches or through Vantage West s Online Banking (see page 5 for enrollment instructions). The ability to set up new loan payments from non-vantage West bank accounts will be available soon. Dual Accounts If you currently have accounts with both Tombstone and Vantage West ( dual accounts ), your accounts will NOT merge during the July 1 system consolidation. (This applies even if you have opened a separate Vantage West account since the May 1 merger date.) Note that regardless of the number of accounts you hold, every member may only have one vote in elections or other events requiring a member vote. If you would like to consolidate your accounts following the system merger, please visit any branch or contact us after July 1 and we will gladly assist you. Par Value In order to maintain a personal or business account with Vantage West and your ownership share in the credit union (i.e., membership ), a $5 par value deposit is required to be kept in your Regular Share or Business Regular Share Account. Also, the minimum balance of Vantage West s Regular Share and Business Regular Share Accounts is $5 (Tombstone s par value was $5, as well.) Your par value deposit is your money, and it would be returned to you if you were to discontinue your membership. For any member who does not already have a Regular Share or Business Regular Share, and/or the $5 par value deposit/minimum balance, an appropriate Regular Share will be opened and we will work with you as needed to properly fund the share. 10 Vantage West Welcome Packet

Safe Deposit Boxes Vantage West collects rental fees annually, at the time of original rental and succeeding rental anniversary dates. The current annual rental cost is as follows: 3 x 5 $20.00 5 x 5 $35.00 5 x 10 $60.00 We are glad to inform you that Vantage West s Safe Deposit Box rental fees and fee collection method will be waived for 1 year for Tombstone members who are already renting a Safe Deposit Box at the Tombstone Branch. Whether you have paid an annual fee or are paying monthly for your Safe Deposit Box, after June 30, 2014, no further fees will be collected until July 1, 2015. At that time, Vantage West s rental fees and fee collection method will be implemented, and your Regular Share Account will be debited for the fee in effect at that time. Service Discontinuation Effective July 1, Money Orders will no longer be available for purchase. However, we have Official Checks available to meet your needs (Free with Premium Checking). Vantage West Contact and Mailing Information Online You will find a great deal of information and resources about Vantage West on our website, including access to Online Banking and Live Chat (available during business hours). We encourage you to visit vantagewest.org to learn more about the full range of Vantage West products and services. By Phone Until July 1, please continue to contact the credit union in the same manner you are accustomed to at 520.457.3551. Vantage West is pleased to inform you that as of July 1, you will gain access to our toll-free, live Member Information Center (MIC) for assistance with your Vantage West accounts. Our knowledgeable staff members will be available to assist you during the following regular business hours: Mondays - Thursdays: 8 am 5 pm Fridays: 8 am 6 pm Saturdays: 9 am 1 pm Tucson Only: 520.298.7882 Outside of Tucson: 800.888.7882 Telecommunications Device for the Deaf (TDD): 520.733.9453 Mail Email Fax Mailing address: P.O. Box 15115 Tucson, AZ 85708 Email: info@vantagewest.org Fax: 520.917.2434 Corporate Office: 2480 N. Arcadia Ave. Tucson, AZ 85712 The Corporate Office does not provide member services such as deposits, withdrawals, ATMs, or transactions. Vantage West Welcome Packet 11

Branch Hours and Locations, ATMs and Shared Branching Branch Hours We are pleased to serve Tombstone members at all Vantage West branches effective Tuesday, July 1. The regular business hours for most branches are as follows: Mondays - Thursdays: 9 am 5 pm Fridays: 9 am 6 pm Saturdays: 9 am 1 pm * *San Manuel and Tombstone branches are not open on Saturdays. We are evaluating potential Saturday hours for the Tombstone Branch and will inform our members if this changes. Branch Locations Pima County 1st Avenue 4280 N. 1st Ave. Broadway 8465 E. Broadway Blvd. Catalina 16460 N. Oracle Rd. Craycroft 2222-4 S. Craycroft Rd. DM Air Force Base (Limited Access) 3320 S. Craycroft Rd., Bldg. 2520 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 (Phoenix) Pinal County Casa Grande San Manuel 10440 N. 32nd St. 3416 N. 24th Ln. 2008 E. Florence Blvd. 141 W. 8th Ave. Cochise County Tombstone 218 S. Sumner St. ATMs As of July 1, you will gain full, surcharge-free access to all Vantage West ATMs. In addition, we also offer surcharge-free access to other select ATMs (cash-dispensing only) throughout Arizona. One such ATM is inside the Sierra Vista Kmart store at 2011 East Fry Blvd. For a full listing of Vantage West and other surcharge-free ATMs, contact us or visit vantagewest.org. 12 Vantage West Welcome Packet

CO-OP Shared Branch Network We are also pleased to inform you that effective July 1, your accounts will be accessible through Shared Branching. Vantage West participates in the CO-OP Shared Branch network so you can conveniently access your accounts at more than 5,000 branches and 2,000 self-service locations in all 50 states, Puerto Rico, Guam and military bases around the globe. In order for your account to be located and accessed by a representative at any Shared Branch, you will need to tell them your account is with Vantage West Credit Union, and give them your NEW account number. For locations and additional information, please visit www.co-opsharedbranch.org or download the CO-OP Shared Branch mobile app for your smartphone. Call 1.888.837.6500 for personal assistance, or 1.888.SITE.COOP or 1.888.748.3266 to locate a branch by phone. Fees and Fee Changes When the systems are combined on July 1, the Vantage West Fee Schedule will take effect for Tombstone accounts. Below are the fees as of May 2014, categorized as Eliminated Fees, Decreased Fees, New Fees, and Increased Fees. For the most current list of fees, please contact us or visit vantagewest.org. Consumer Accounts ELIMINATED FEES TOMBSTONE VANTAGE WEST Photocopy of Deposited Item $5.00 $0.00 Photocopy of Statement (per page) $2.00 $0.00 Statement Mailed $2.50 $0.00 Open Trust Account $125.00 $0.00 Late Return Requests (deposit by 1pm) $15.00 $0.00 Money Market Withdrawals (3+ per item) $1.50 $0.00 IRA Transfer or Termination (waived for 65 +) $15.00 $0.00 Card Replacement $15.00 $0.00 ATM/Debit Card Rush Order $75.00 $0.00 Debit Card Dispute (authorized transactions) $25.00 $0.00 Loan Origination Fee $15.00 $0.00 Night Drop Lost Key $15.00 $0.00 Night Drop Addition Key Request $5.00 $0.00 Copy Fee $0.25 $0.00 Fax Services (per page) $1.00 $0.00 International Fax (per page) $10.00 $0.00 Vantage West Welcome Packet 13

DECREASED FEES TOMBSTONE VANTAGE WEST Official Checks $4.00 $3.00 Third-Party Check Acceptance $10.00 per check $7.00 per check Wire Transfer $25.00 $20.00 3 x 5 Safe Deposit Box (annual) $30.00 $20.00 5 x 5 Safe Deposit Box (annual) $50.04 $35.00 5 x 10 Safe Deposit Box (annual) $80.04 $60.00 NEW FEES TOMBSTONE VANTAGE WEST Backup Withholding (per dividend period) $0.00 $6.00 Excess Withdrawal/Transfer Regular Shares (after 3 per month) $0.00 $3.00 Overdraft Privilege ($10 or less) $0.00 $15.00 Premium Checking (without qualifying balance/product) $0.00 $ 6.00 Reliance Checking (per month) $0.00 $9.00 Cancellation of Stop Payment $0.00 $10.00 Live Transaction for echecking (excludes deposits) $0.00 $3.00 Subordination (Real Estate) $0.00 $125.00 Insurance Placement $0.00 $55.00 Line of Credit Annual Fee $0.00 $25.00 Loan Modification $0.00 $25.00 Visa Late Payment $0.00 $25.00* Conversion (fixed or variable) $0.00 2% or $200 Classic Visa Annual Fee $0.00 $25.00 Foreign ATM Withdrawals (each) $0.00 $1.75 Foreign ATM Inquiries $0.00 $0.50 Visa Multi-International Transaction Actual Cost $0.00 1.00% Visa Single-International Transaction Actual Cost $0.00 0.80% Check-by-Phone Loan Payment $0.00 $7.00 Coin Processing $0.00 3.00% Inactive Account (except minors; after 12 months) $0.00 $5 per month Locator Service $0.00 $10.00 Popmoney Transfer (overnight service only) $0.00 $8.00 Posting Reject $0.00 $3.00 Temporary Checks (1st order free) $0.00 $5.00 Return Deposited Item/Return Electronic Payment $0.00 $15.00 International Wire Tracers, Reversal Requests $0.00 $100.00 Safe Deposit Box Lost Key Fee $0.00 $20.00 Safe Deposit Box Delinquency Fee $0.00 $15.00 Safe Deposit Box Collection Expense $0.00 $20.00 Safe Deposit Box Lock Replacement & Drilling Cost $0.00 $130.00 3 x 10 (annual) $0.00 $50.00 10 x 10 (annual) $0.00 $100.00 Share Certificate Early Withdrawal Fee $0.00 $25 + 1.5 % * Or the amount of the required payment whichever is less. 14 Vantage West Welcome Packet

INCREASED FEES TOMBSTONE VANTAGE WEST Excess Share Account Withdrawals (over 6 per month) $1.50 $15.00 Non-Sufficient Funds (Share and Checking) $30.00 $32.00 Overdraft Privilege (greater than $10) $25.00 $32.00 Overdraft Transfer from Share Source $1.00 $6.00 Non-Sufficient Funds (LOC, Heloc, or Visa check) $30.00 $32.00 Dormant Account (unclaimed property) $12.00 $25.00 Research (minimum 1 hour) $10.00 $20 per hour International Wire Transfer $75.00 $100.00 Legal Processing Fee $25.00 $50.00 Vehicle Title Processing Fee $15.00 $30.00 Mortgage Record and Release of Deed $35.00 $40.00 Business Accounts We are pleased to bring you an expanded suite of Business Banking products and services designed to help businesses run efficiently. Vantage West is committed to providing our business members with all the tools needed to run a successful business including Business Loans, Business Accounts, Credit Cards, Merchant Services, Payroll Services, and more. Below is Vantage West s Business Account Fee Schedule as of May 2014. For the most current list, please contact us or visit vantagewest.org. BUSINESS REGULAR SHARE ACCOUNTS Backup Withholding (per dividend period) $6.00 Excess Withdrawal/Transfer from Business Regular Shares * $3.00 Non-Sufficient Funds (per item) $32.00 BUSINESS PREMIUM SHARE ACCOUNTS Backup Withholding (per dividend period) $6.00 Excess Withdrawal/Transfer from Business Premium Shares (after 6 per month)* $15.00 Excess Share Account Withdrawals Checks (over 6 per month)** $15.00 Non-Sufficient Funds (per item) $32.00 BUSINESS CHECKING ACCOUNTS Standard Business Checking $5.00 per month Excess Transaction Fee over 100 $0.10 each Community Business Checking $5.00 per month Excess Transaction Fee over 150 $0.10 each Select Business Checking $10.00 per month Excess Transaction Fee over 300 $0.10 each Premier Business Checking $25.00 per month Excess Transaction Fee over 500 $0.10 each Additional 200 transactions (for Premier Business Checking only) $10.00 Business Deposit Corrections $2.00 per Correction Non-Sufficient Funds (per item) $32.00 Overdraft Transfer from Business Regular Shares, or Business Line of Credit $6.00 (Overdraft transfers in increments of $100) Overdraft Transfer from Business Visa Credit Card No Charge (Overdraft transfers in increments of $100) Stop Payment $25.00 Cancellation of Stop Payment $10.00 Internet 24-7 Online Bill Pay-Standard Business Checking $ 5.95 per month 1st 10 Transactions $.75/each additional over 10 Internet 24-7 Online Bill Pay-Community, Select & Premier Business Checking No Charge Vantage West Welcome Packet 15

BUSINESS PLASTIC/ATM CARDS Visa Checking Card No Charge ATM Access Card No Charge Foreign ATM withdrawals (each) $ 1.75 Foreign ATM Inquiries $.50*** Visa Multi-Currency International Transaction Actual Cost (Currently 1%) Visa Single-Currency International Transaction Actual Cost (Currently 0.8%) OTHER FEES Account Conversion/Closing**** $25.00 Cash & Coin Orders $1.20 per $1,000 Check-By-Phone Loan Payment $ 7.00 Coin Processing 3% of Coin Value Dormant Account (unclaimed property) $25.00 Inactive Account (after 12 months inactive) $ 8.50 per month Legal Processing Fee $50.00 Locator Service $10.00 Official Checks $ 3.00 per check Posting Reject $ 3.00 Temporary Checks (first order free) $ 5.00 Research $20.00 per hour ($20 Minimum) Returned Deposit Check Single Party/Multiple Party $15.00 Returned Mail $ 5.00 Third Party Check Acceptance $ 7.00 per check Domestic Outgoing Wire Transfers $20.00 Domestic Incoming Wire Transfers $ 5.00 International Outgoing Wire Transfers $40.00 International Incoming Wire Transfers $ 5.00 ONLINE BUSINESS BANKING & CASH MANAGEMENT (These fees are in addition to the monthly service fees for business checking and any transaction fees that normally apply. Basic Business Banking (Includes access to Online Business Banking basic services to view account and book transfers, set up user privileges, and Webconnect for QuickBooks) Online Domestic Wire Transfers Online International Wire Transfers ACH processing DEPOSIT NOW REMOTE DEPOSIT FOR BUSINESS Option 1: Business member to purchase or lease scanner RDC Monthly Maintenance Fee (Requires certified scanner which can be purchased or rented pricing varies.) Option 2: 1st Scanner provided to business member by Vantage West Credit Union No Charge $20 per wire $40 per wire $30 per month $20.00 per month $30.00 per month RDC Monthly Maintenance Fee (24-month contract required.) * Teller (over-the-counter) transaction ** Fee applies to Business Premium Share and High Yield Money Market share accounts. *** Fee is charged in addition to any Transaction Fee that may apply, depending on Account Type. **** Account(s) closed or converted to other account(s) within 6 months of opening or conversion of the account(s) 16 Vantage West Welcome Packet

Vantage West Credit Union Membership Terms and Conditions Personal Accounts MEMBERSHIP AND ACCOUNT AGREEMENT This Agreement covers your rights and responsibilities concerning your accounts and the rights and responsibilities of the Credit Union providing this Agreement (Credit Union). In this Agreement, the words you, your, and yours mean anyone who signs an Account Card, Account Change Card, or any other account opening document (Account Card). The words we, us, and our mean the Credit Union. The word account means any one (1) or more share or other accounts you have with the Credit Union. Your account type(s) and ownership features are designated on your Account Card. By signing an Account Card, each of you, jointly and severally, agree to the terms and conditions in this Agreement, and any Account Card, Funds Availability Policy Disclosure, Truth-in-Savings Disclosure, Electronic Fund Transfers Agreement and Disclosure, Privacy Disclosure, or Account Receipt accompanying this Agreement, the Credit Union s bylaws and policies, and any amendments to these documents from time to time that collectively govern your membership and accounts. 1. MEMBERSHIP ELIGIBILITY To join the Credit Union, you must meet the membership requirements, including purchase and maintenance of the minimum required share(s) ( membership share ) as set forth in the Credit Union s bylaws. You authorize us to check your account, credit and employment history, and obtain reports from third parties, including credit reporting agencies, to verify your eligibility for the accounts and services you request. 2. INDIVIDUAL ACCOUNTS An individual account is an account owned by one (1) member (individual, corporation, partnership, trust, or other organization) qualified for credit union membership. If the account owner dies, the interest passes, subject to applicable law, to the account owner s estate or Payable on Death (POD) beneficiary/payee or trust beneficiary, subject to other provisions of this Agreement governing our protection for honoring transfer and withdrawal requests of an owner or owner s agent prior to notice of an owner s death, and to any security interest or pledge granted by the account owner, and subject to our statutory lien rights. 3. JOINT ACCOUNTS A joint account is an account owned by two (2) or more persons. a. Rights of Survivorship. Unless otherwise stated on the Account Card, a joint account includes rights of survivorship. This means that when one (1) owner dies, all sums in the account will pass to the surviving owner(s). For a joint account without rights of survivorship, the deceased owner s interest passes to his or her estate. A surviving owner s interest is subject to the Credit Union s statutory lien for the deceased owner s obligations, and to any security interest or pledge granted by a deceased owner, even if a surviving owner did not consent to it. b. Control of Joint Accounts. Any owner is authorized and deemed to act for any other owner(s) and may instruct us regarding transactions and other account matters. Each owner guarantees the signature of any other owner(s). Any owner may withdraw or transfer funds, pledge to us all or any part of the shares, or stop payment on items without the consent of the other owner(s). We have no duty to notify any owner(s) about any transaction. We reserve the right to require written consent of all owners for any change to or termination of an account. If we receive written notice of a dispute between owners or inconsistent instructions from them, we may suspend or terminate the account and require a court order or written consent from all owners in order to act. c. Joint Account Owner Liability. If an item deposited in a joint account is returned unpaid, a joint account is overdrawn, or if we do not receive final payment on a transaction, the owners, jointly and severally, are liable to us for the amount of the returned item, overdraft, or unpaid amount and any charges, regardless of who initiated or benefited from the transaction. If any account owner is indebted to us, we may enforce our rights against any account of the indebted owner, including all funds in the joint account, regardless of who contributed the funds. 4. POD/TRUST ACCOUNT DESIGNATIONS A Payable on Death (POD) account or trust account designation is an instruction to the Credit Union that an individual or joint account so designated is payable to the owner(s) during his, her, or their lifetimes and, when the last account owner dies, is payable to all surviving POD or trust beneficiaries/payees. Upon the death of the last account owner, if there is more than one (1) surviving beneficiary/payee, the account is owned jointly by such beneficiaries/payees without rights of survivorship. Any POD or trust beneficiary/payee designation shall not apply to Individual Retirement Accounts (IRAs). We are not obligated to notify any beneficiary/payee of the existence of any account nor the vesting of the beneficiary/payee s interest in any account, except as otherwise provided by law. This paragraph does not apply to an account held on behalf of or in the name of a trust. 5. ACCOUNTS FOR MINORS We may require any account established by a minor to be a joint account with an owner who has reached the age of majority under state law and who shall be jointly and severally liable to us for any returned item, overdraft, or unpaid charges or amounts on such account. We may pay funds directly to the minor without regard to his or her minority. Unless a guardian or parent is an account owner, the guardian or parent shall not have any account access rights. We have no duty to inquire about the use or purpose of any transaction. We will not change the account status when the minor reaches the age of majority unless the change is authorized in writing by all account owners. 6. UNIFORM TRANSFERS/GIFTS TO MINORS ACCOUNT A Uniform Transfers/Gifts to Minors Account (UTMA/UGMA) is an individual account created by a custodian who deposits funds as an irrevocable gift to a minor. The minor to whom the gift is made is the beneficiary of the custodial property in the account. The custodian has possession and control of the account for the exclusive right and benefit of the minor and, barring a court order otherwise, is the only party authorized to make deposits, withdrawals, or close the account. We have no duty to inquire about the use or purpose of any transaction. If the custodian dies, we may suspend the account until we receive instructions from any person authorized by law to withdraw funds or a court order authorizing withdrawals. 7. AGENCY DESIGNATION ON AN ACCOUNT An agency designation on an account is an instruction to us that the owner authorizes another person to make transactions as agent for the account owner regarding the accounts designated. An agent has no ownership interest in the account(s) or credit union voting rights. We have no duty to inquire about the use or purpose of any transaction made by the agent. 8. DEPOSIT OF FUNDS REQUIREMENTS Funds may be deposited to any account, in any manner approved by the Credit Union in accordance with the requirements set forth in the Truth-in-Savings Disclosure. Deposits made by mail, at night depositories, or at unstaffed facilities are not our responsibility until we receive them. We reserve the right to refuse or to return any deposit. a. Endorsements. We may accept transfers, checks, drafts, and other items for deposit into any of your accounts if they are made payable to, or to the order of, one (1) or more account owners even if they are not endorsed by all payees. You authorize us to supply missing endorsements of any owners if we choose. If a check, draft, or item that is payable to two (2) or more persons is ambiguous as to whether it is payable to either or both, we may process the check, draft, or item as though it is payable to either person. If an insurance, government, or other check or draft requires an endorsement, we may require endorsement as set forth on the item. Endorsements must be made on the back of the check or draft within 1½ inches of the top edge, although we may accept endorsements outside this space. However, any loss we incur from a delay or processing error resulting from an irregular endorsement or other markings by you or any prior endorser will be your responsibility. b. Collection of Items. We act only as your agent and we are not responsible for handling items for deposit or collection beyond the exercise of ordinary care. We are not liable for the negligence of any correspondent or for loss in transit, and each correspondent will only be liable for its own negligence. We may send any item for collection. Items drawn on an institution located outside the United States are handled on a collection basis only. You waive any notice of nonpayment, dishonor, or protest regarding items we purchase or receive for credit or collection to your account. We reserve the right to pursue collection of previously dishonored items at any time, including giving a payor financial institution extra time beyond any midnight deadline limits. c. Restrictive Legends. Some checks and drafts contain restrictive legends or similar limitations on the front of the item. Examples of restrictive legends include two signatures required, void after 60 days, and not valid over $500.00. We are not liable for payment of any check or draft contrary to a restrictive legend or other limitation contained in or on the item unless we have specifically agreed in writing to the restriction or limitation. d. Final Payment. All items or Automated Clearing House (ACH) transfers credited to your account are provisional until we receive final payment. If final payment is not received, we may charge your account for the amount of such items or ACH transfers and impose a return item charge on your account. Any collection fees we incur may be charged to your account. We reserve the right to refuse or return any item or funds transfer. e. Direct Deposits. We may offer preauthorized deposits (e.g., payroll checks, Social Security or retirement checks, or other government checks) or preauthorized transfers from other accounts. You must authorize direct deposits or preauthorized transfers by filling out a separate form. You must notify us at least 30 days in advance to cancel or change a direct deposit or transfer option. If your account is overdrawn, you authorize us to deduct the amount your account is overdrawn from any deposit, including deposits of govern- Vantage West Welcome Packet 17

ment payments or benefits. Upon a bankruptcy filing, unless you cancel the authorization, we will continue applying payments from direct deposits in accordance with your authorization on file with us. If we are required to reimburse the U.S. Government for any benefit payment directly deposited into your account, we may deduct the amount returned from any of your accounts, unless prohibited by law. f. Crediting of Deposits. Deposits made after the deposit cutoff time and deposits made on holidays or days other than our business days will be credited to your account on the next business day. 9. ACCOUNT ACCESS a. Authorized Signature. Your signature on the Account Card authorizes your account access. We will not be liable for refusing to honor any item or instruction if we believe the signature is not genuine. If you have authorized the use of a facsimile signature, we may honor any check or draft that appears to bear your facsimile signature, even if it was made by an unauthorized person. You authorize us to honor transactions initiated by a third person to whom you have given your account number, even if you do not authorize a particular transaction. b. Access Options. You may withdraw or transfer funds from your account(s) in any manner we permit (e.g., at an automated teller machine, in person, by mail, Internet access, automatic transfer, or telephone, as applicable). We may return as unpaid any check or draft drawn on a form we do not provide, and you are responsible for any loss we incur handling such a check or draft. We have the right to review and approve any form of power of attorney and may restrict account withdrawals or transfers. We are under no obligation to honor any power of attorney which we reasonably conclude is invalid or unreliable or has been revoked. c. Credit Union Examination. We may disregard any information on any check or draft other than the signature of the drawer, the amount, and any magnetic encoding. You agree that we do not fail to exercise ordinary care in paying an item solely because our procedures do not provide for sight examination of items. 10. ACH & WIRE TRANSFERS Except as amended by this Agreement, electronic fund transfers we permit that are subject to Article 4A of the Uniform Commercial Code will be subject to such provisions of the Uniform Commercial Code as enacted by the state where the main office of the Credit Union is located. We may execute certain requests for an electronic fund transfer by Fedwire. Fedwire transactions are subject to Federal Reserve Board Regulation J. You may order an electronic fund transfer to or from your account. We will debit your account for the amount of the electronic fund transfer and will charge your account for any fees related to the transfer. Unless we agree otherwise in writing, we reserve the right to refuse to execute any order to transfer funds to or from your account. We are not obligated to execute any order to transfer funds out of your account if the amount of the requested transfer plus applicable fees exceeds the available funds in your account. We are not liable for errors, delays, interruptions, or transmission failures caused by third parties or circumstances beyond our control, including mechanical, electronic, or equipment failure. We will not provide you with next day notice of ACH transfers, wire transfers, and other electronic payments credited to your account. You will receive notice of such credits on your account statements. You may contact us to determine whether a payment has been received. If we fail to properly execute a payment order, and such action results in a delay in payment to you, we will pay you dividends or interest for the period of delay as required by applicable law. The dividends or interest paid to you will be based on the lowest nominal dividend or interest rate we were paying on any account during that period. Payment orders we accept will be executed within a reasonable time of receipt but may not necessarily be executed on the date they are received. Cutoff times may apply to the receipt, execution and processing of fund transfers, payment orders, cancellations, and amendments. If a request for a fund transfer, payment order, cancellation, or amendment is received after a cutoff time, it may be treated as having been received on the next fund transfer business day. Information about any cutoff times is available upon request. From timeto time, we may need to suspend processing of a transaction for greater scrutiny or verification in accordance with applicable law, and this action may affect settlement or availability of the transaction. When you initiate a wire transfer, you may identify the recipient and any financial institution by name and by account or identifying number. The Credit Union and any other financial institutions facilitating the transfer may rely strictly on the account or identifying number, even if the number identifies a different person or financial institution. Any account owner may amend or cancel a payment order, even if that person did not initiate the order. We may refuse any request to amend or cancel a payment order that we believe will expose the Credit Union to liability or loss. Any request that we accept to amend or cancel a payment order will be processed within a reasonable time after it is received. You agree to hold us harmless from and indemnify us for all losses and expenses resulting from any actual or attempted amendment or cancellation of a payment order. We may require you to follow a security procedure to execute a payment order or certain electronic fund transfer transactions. We will notify you of any such security procedures, and you agree that our security procedures are commercially reasonable. 11. ACCOUNT RATES AND FEES We pay account earnings and assess fees against your account as set forth in the Truth-in-Savings Disclosure and Schedule of Fees and Charges. We may change the Truth-in-Savings Disclosure or Schedule of Fees and Charges at any time and will notify you as required by law. 12. TRANSACTION LIMITATIONS a. Withdrawal Restrictions. We will pay checks or drafts, permit withdrawals, and make transfers from available funds in your account. The availability of funds in your account may be delayed as described in our Funds Availability Policy Disclosure. We may also pay checks or drafts, permit withdrawals, and make transfers from your account from insufficient available funds if you have established an overdraft protection plan or, if you do not have such a plan with us, in accordance with our overdraft payment policy. We may refuse to allow a withdrawal in some situations and will advise you accordingly if: (1) there is a dispute between account owners (unless a court has ordered the Credit Union to allow the withdrawal); (2) a legal garnishment or attachment is served; (3) the account secures any obligation to us; (4) required documentation has not been presented; or (5) you fail to repay a credit union loan on time. We may require you to give written notice of seven (7) to 60 days before any intended withdrawals. b. Transfer Limitations. We may limit the dollar amount or the number of transfers from your account. Please consult your Truth-in-Savings Disclosure or your Electronic Fund Transfers Agreement and Disclosure. 13. CERTIFICATE ACCOUNTS Any time deposit, term share, share certificate, or certificate of deposit account allowed by state law (certificate account), whichever we offer, is subject to the terms of this Agreement, the Truth-in-Savings Disclosure, and the Account Receipt for each account, the terms of which are incorporated herein by reference. 14. OVERDRAFTS a. Payment of Overdrafts. If, on any day, the available funds in your share or deposit account are not sufficient to pay the full amount of a check, draft, transaction, or other item posted to your account plus any applicable fee ( overdraft ), we may pay or return the overdraft. The Credit Union s determination of an insufficient available account balance may be made at any time between presentation and the Credit Union s midnight deadline with only one (1) review of the account required. We do not have to notify you if your account does not have sufficient available funds to pay an overdraft. Your account may be subject to a charge for each overdraft regardless of whether we pay or return the overdraft. For ATM and one-time debit card transactions, you must consent to the Credit Union s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member s opt-in choice for overdraft protection and the Schedule of Fees and Charges. Except as otherwise agreed in writing, if we exercise our right to use our discretion to pay an overdraft, we do not agree to pay overdrafts in the future and may discontinue covering overdrafts at any time without notice. If we pay an overdraft or impose a fee that overdraws your account, you agree to pay the overdrawn amount in accordance with your overdraft protection plan or, if you do not have such a plan with us, in accordance with our overdraft payment policy. b. Order of Payments. Checks, drafts, transactions, and other items may not be processed in the order that you make them or in the order that we receive them. We may, at our discretion, pay a check, draft, or item, and execute other transactions on your account in any order we choose. The order in which we process checks, drafts, or items, and execute other transactions on your account may affect the total amount of overdraft fees that may be charged to your account. Please contact us if you have questions about how we pay checks or drafts and process transfers and withdrawals. 15. POSTDATED AND STALEDATED CHECKS OR DRAFTS You agree not to issue any check or draft that is payable on a future date (postdated). If you do issue a check or draft that is postdated and we pay it before that date, you agree that we shall have no liability to you for such payment. You agree not to deposit checks, drafts, or other items before they are properly payable. We are not obligated to pay any check or draft drawn on your account that is presented more than six (6) months past its date. 16. STOP PAYMENT ORDERS a. Stop Payment Order Request. Any owner may request a stop payment order on any check or draft drawn on the owner s account. To be binding, the order must be in writing, dated and signed, and must accurately describe the check or draft, including the exact account number, the check or draft number, and the exact amount of the check or draft. This exact information is necessary for the Credit Union s computer to identify the check or draft. If we receive incorrect or incomplete information, we will not be responsible for failing to stop payment on the check or draft. In addition, we must receive sufficient advance notice of the stop payment order to allow us a reasonable opportunity to act on it. If we recredit your account after paying a check or draft over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the payee, 18 Vantage West Welcome Packet

to assign to us all of your rights against the payee or other holders of the check or draft, and to assist us in any legal action. b. Duration of Order. Oral stop payment orders for check or drafts will lapse within 14 calendar days unless confirmed in writing within that time. Written stop payment orders for checks or drafts are effective for six (6) months and may be renewed for additional six (6) month periods by requesting in writing that the stop payment order be renewed within a period during which the stop payment order is effective. We are not required to notify you when a stop payment order expires. c. Liability. Fees for stop payment orders are set forth in the Truth-in-Savings Disclosure or Schedule of Fees and Charges. You may not stop payment on any certified check, cashier s check, teller s check, or any other check, draft, or payment guaranteed by us. Although payment of an item may be stopped, you may remain liable to any item holder, including us. You agree to indemnify and hold the Credit Union harmless from all costs, including attorney s fees, damages, or claims related to our refusing payment of an item, including claims of any joint account owner, payee, or endorsee in failing to stop payment of an item as a result of incorrect information provided by you. 17. CREDIT UNION LIABILITY If we do not properly complete a transaction according to this Agreement, we will be liable for your losses or damages not to exceed the amount of the transaction, except as otherwise provided by law. We will not be liable if: (1) your account contains insufficient funds for the transaction; (2) circumstances beyond our control prevent the transaction; (3) your loss is caused by your or another financial institution s negligence; or (4) your account funds are subject to legal process or other claim. We will not be liable for consequential damages, except liability for wrongful dishonor. We exercise ordinary care if our actions or nonactions are consistent with applicable state law, Federal Reserve regulations and operating letters, clearinghouse rules, and general financial institution practices followed in the area we serve. You grant us the right, in making payments of deposited funds, to rely exclusively on the form of the account and the terms of this Agreement. Any conflict regarding what you and our employees say or write will be resolved by reference to this Agreement. 18. CHECKS OR DRAFTS PRESENTED FOR PAYMENT IN PERSON We may refuse to accept any check or draft drawn on your account that is presented for payment in person. Such refusal shall not constitute a wrongful dishonor of the check or draft, and we shall have no liability for refusing payment. 19. REMOTELY CREATED CHECKS OR DRAFTS For purposes of this paragraph, account means a transaction account, credit account, or any other account on which checks or drafts may be drawn. A remotely created check or draft is a check or draft created by someone other than the person on whose account the check or draft is drawn. A remotely created check or draft is generally created by a third party payee as authorized by the owner of the account on which the check or draft is drawn. Authorization is usually made over the telephone or through on-line communication. The owner of the account does not sign a remotely created check or draft. In place of the owner s signature, the remotely created check or draft usually bears a statement that the owner authorized the check or draft or bears the owner s printed or typed name. If you authorize a third party to draw a remotely created check or draft against your account, you may not later revoke or change your authorization. It is your responsibility to resolve any authorization issues directly with the third party. We are not required to credit your account and may charge against your account any remotely created check or draft for which the third party has proof of your authorization. 20. PLEDGE/STATUTORY LIEN Unless prohibited by law, you pledge and grant as security for all obligations you may have now or in the future, except obligations secured by your principal residence, all shares and dividends and all deposits and interest, if any, in all accounts you have with us now and in the future. If you pledge a specific dollar amount in your account(s) for a loan, we will freeze the funds in your account(s) to the extent of the outstanding balance of the loan or, if greater, the amount of the pledge if the loan is a revolving loan. Otherwise, funds in your pledged account(s) may be withdrawn unless you are in default. Federal or state law (depending upon whether we have a federal or state charter) gives us a lien on all shares and dividends and all deposits and interest, if any, in accounts you have with us now and in the future. Except as limited by federal or state law, the statutory lien gives us the right to apply the balance of all your accounts to any obligation on which you are in default. After you are in default, we may exercise our statutory lien rights without further notice to you. Your pledge and our statutory lien rights will allow us to apply the funds in your account(s) to what you owe when you are in default, except as limited by federal or state law. If we do not apply the funds in your account(s) to satisfy your obligation, we may place an administrative freeze on your account(s) in order to protect our statutory lien rights and may apply the funds in your account(s) to the amount you owe us at a later time. The statutory lien and your pledge do not apply to any Individual Retirement Account or any other account that would lose special tax treatment under federal or state law if given as security. By not enforcing our right to apply funds in your account to your obligations that are in default, we do not waive our right to enforce these rights at a later time. 21. LEGAL PROCESS If any legal action is brought against your account, we may pay out funds according to the terms of the action or refuse any payout until the dispute is resolved. Any expenses or attorney fees we incur responding to legal process may be charged against your account without notice, unless prohibited by law. Any legal process against your account is subject to our lien and security interest. 22. ACCOUNT INFORMATION Upon request, we will give you the name and address of each agency from which we obtain a credit report regarding your account. We agree not to disclose account information to third parties except when: (1) it is necessary to complete a transaction; (2) the third party seeks to verify the existence or condition of your account in accordance with applicable law; (3) such disclosure complies with the law or a government agency or court order; or (4) you give us written permission. 23. NOTICES a. Name or Address Changes. You are responsible for notifying us of any name or address change. The Credit Union is only required to attempt to communicate with you at the most recent address you have provided to us. We may require all name and address changes to be provided in writing. If we attempt to locate you, we may impose a service fee as set forth in the Truth-in-Savings Disclosure or Schedule of Fees and Charges. b. Notice of Amendments. Except as prohibited by applicable law, we may change the terms of this Agreement at any time. We will notify you of any change in terms, rates, or fees as required by law. We reserve the right to waive any terms of this Agreement. Any such waiver shall not affect our right to future enforcement. c. Effect of Notice. Any written notice you give us is effective when we receive it. Any written notice we give to you is effective when it is deposited in the U.S. mail, postage prepaid, and addressed to you at your statement mailing address. Notice to any account owner is considered notice to all account owners. d. Electronic Notices. If you have agreed to receive notices electronically, we may send you notices electronically and discontinue mailing paper notices to you until you notify us that you wish to reinstate receiving paper notices. 24. TAXPAYER IDENTIFICATION NUMBER AND BACKUP WITHHOLDING Your failure to furnish a correct Taxpayer Identification Number (TIN) or meet other requirements may result in backup withholding. If your account is subject to backup withholding, we must withhold and pay to the Internal Revenue Service (IRS) a percentage of dividends, interest, and certain other payments. If you fail to provide your TIN, we may suspend opening your account. 25. STATEMENTS a. Contents. If we provide a periodic statement for your account, you will receive a periodic statement of transactions and activity on your account during the statement period as required by applicable law. If a periodic statement is provided, you agree that only one (1) statement is necessary for joint accounts. For share draft or checking accounts, you understand and agree that your original check or draft, when paid, becomes property of the Credit Union and may not be returned to you, but copies of the check or draft may be retained by us or by payable-through financial institutions and may be made available upon your request. You understand and agree that statements are made available to you on the date they are sent to you. You also understand and agree that checks, drafts, or copies thereof are made available to you on the date the statement is sent to you, even if the checks or drafts do not accompany the statement. b. Examination. You are responsible for promptly examining each statement upon receiving it and reporting any irregularities to us. If you fail to report any irregularities such as forged, altered, unauthorized, unsigned, or otherwise fraudulent items drawn on your account, erroneous payments or transactions, or other discrepancies reflected on your statement within 33 days of the date we sent the statement to you, we will not be responsible for your loss. We also will not be liable for any items that are forged or altered in a manner not detectable by a reasonable person, including the unauthorized use of a facsimile signature machine. c. Notice to Credit Union. You agree that the Credit Union s retention of checks or drafts does not alter or waive your responsibility to examine your statements or the time limit for notifying us of any errors. The statement will be considered correct for all purposes, and we will not be liable for any payment made or charged to your account unless you notify us in writing within the above time limit for notifying us of any errors. If you fail to receive a periodic statement, you agree to notify us within 14 days of the time you regularly receive a statement. 26. INACTIVE ACCOUNTS If your account falls below any applicable minimum balance and you have not made any transactions over a period specified in the Truth-in-Savings Disclosure or Schedule of Fees and Charges, we may classify your account as inactive or dormant. Unless prohibited by applicable law, we may charge a service fee, as set forth in the Truth-in-Savings Disclosure or Schedule of Fees and Charges, for processing your inactive account. If we impose a fee, we will notify you, as required by Vantage West Welcome Packet 19

law, at your last known address. You authorize us to transfer funds from another account of yours to cover any service fees, if applicable. To the extent allowed by law, we reserve the right to transfer the account funds to an account payable and to suspend any further account statements. If a deposit or withdrawal has not been made on the account and we have had no other sufficient contact with you within the period specified by state law, the account will be presumed to be abandoned. Funds in abandoned accounts will be reported and remitted in accordance with state law. Once funds have been turned over to the state, we have no further liability to you for such funds, and if you choose to reclaim such funds, you must apply to the appropriate state agency. 27. SPECIAL ACCOUNT INSTRUCTIONS You may request that we facilitate certain trust, will, or court-ordered account arrangements. However, because we do not give legal advice, we cannot counsel you as to which account arrangement most appropriately meets the specific requirements of your trust, will, or court order. If you ask us to follow any instructions that we believe might expose us to claims, lawsuits, expenses, liabilities, or damages, whether directly or indirectly, we may refuse to follow your instructions or may require you to indemnify us or post a bond or provide us with other protection. We may require that account changes requested by you, or any account owner, such as adding or closing an account or service, be evidenced by a signed Account Change Card and accepted by us. 28. TERMINATION OF ACCOUNT We may terminate your account at any time without notice to you or may require you to close your account and apply for a new account if: (1) there is a change in owners or authorized signers; (2) there has been a forgery or fraud reported or committed involving your account; (3) there is a dispute as to the ownership of the account or of the funds in the account; (4) any checks or drafts are lost or stolen; (5) there are excessive returned unpaid items not covered by an overdraft protection plan; (6) there has been any misrepresentation or any other abuse of any of your accounts; or (7) we reasonably deem it necessary to prevent a loss to us. You may terminate an individual account by giving written notice. We reserve the right to require the consent of all owners to terminate a joint account. We are not responsible for payment of any check, draft, withdrawal, transaction, or other item after your account is terminated; however, if we pay an item after termination, you agree to reimburse us. 29. TERMINATION OF MEMBERSHIP You may terminate your membership by giving us written notice or by withdrawing your minimum required membership share(s), if any, and closing all your accounts. You may be denied services for causing a loss to the Credit Union, or you may be expelled for any reason as allowed by applicable law. 30. DEATH OF ACCOUNT OWNER We may continue to honor all transfer orders, withdrawals, deposits, and other transactions on an account until we know of a member s death. Once we know of a member s death, we may pay checks or drafts or honor other payments or transfer orders authorized by the deceased member for a period of ten (10) days after that date unless we receive instructions from any person claiming an interest in the account to stop payment on the checks, drafts, or other items. We may require anyone claiming a deceased owner s account funds to indemnify us for any losses resulting from our honoring that claim. This Agreement will be binding upon any heirs or legal representatives of any account owner. 31. UNLAWFUL INTERNET GAMBLING AND OTHER ILLEGAL ACTIVITIES You agree that you are not engaged in unlawful Internet gambling or any other illegal activity. You agree that you will not use any of your accounts, access devices or services for unlawful Internet gambling or other illegal activities. We may terminate your account relationship if you engage in unlawful Internet gambling or other illegal activities. 32. SEVERABILITY If a court holds any portion of this Agreement to be invalid or unenforceable, the remainder of this Agreement shall not be invalid or unenforceable and will continue in full force and effect. All headings are intended for reference only and are not to be construed as part of the Agreement. 33. ENFORCEMENT You are liable to us for any losses, costs, or expenses we incur resulting from your failure to follow this Agreement. You authorize us to deduct any such losses, costs, or expenses from your account without prior notice to you. If we bring a legal action to collect any amount due under or to enforce this Agreement, we shall be entitled, subject to applicable law, to payment of reasonable attorney s fees and costs, including fees on any appeal, bankruptcy proceedings, and any postjudgment collection actions. 34. GOVERNING LAW This Agreement is governed by the Credit Union s bylaws, federal laws and regulations, the laws, including applicable principles of contract law, and regulations of the state in which the Credit Union s main office is located, and local clearinghouse rules, as amended from time to time. As permitted by applicable law, you agree that any legal action regarding this Agreement shall be brought in the county in which the Credit Union is located. 35. NEGATIVE INFORMATION NOTICE We may report information about your loan, share, or deposit accounts to credit bureaus. Late payments, missed payments, or other defaults on your accounts may be reflected in your credit report. CUNA Mutual Group, 1993, 95, 96, 99, 2000, 03-07, 09, 10, ALL RIGHTS RESERVED D10009-e FUNDS AVAILABILITY POLICY DISCLOSURE This disclosure describes your ability to withdraw funds at Vantage West Credit Union. It only applies to the availability of funds in transaction accounts. The Credit Union reserves the right to delay the availability of funds deposited to accounts that are not transaction accounts for periods longer than those disclosed in this policy. Please ask us if you have a question about which accounts are affected by this policy. 1. GENERAL POLICY Our policy is to delay the availability of funds from your cash and check or draft deposits. During the delay, you may not withdraw the funds in cash and we will not use the funds to pay checks or drafts that you have written. 2. DETERMINING THE AVAILABILITY OF A DEPOSIT When we delay the availability of a deposit the length of the delay is determined by counting the business days from the day of your deposit. Everyday is a business day except Saturdays, Sundays and federal holidays. If you make a deposit before 4:00 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. However we will consider deposits made after 4:00 p.m. or on a day that we are not open as deposited on the next business day we are open. If you make a deposit to an ATM that we own or operate before 4:00 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. However we will consider deposits to an ATM that we own or operate made after 4:00 p.m. or on a day that we are not open as deposited on the next business day we are open. The length of the delay varies depending on the type of deposit and is explained below. 3. SAME-DAY AVAILABILITY Funds from the following deposits to your account will be available on the same business day we receive the deposit. Electronic direct deposits. U.S. Treasury checks or drafts that are payable to you. Wire transfers. Checks or drafts drawn on Vantage West Credit Union. Traveler s checks. 4. SAME-DAY AVAILABILITY FOR CERTAIN DEPOSITS MADE IN PERSON Funds from the following deposits are available on the same business day we receive your deposit if you make the deposit in person to one of our employees: Cash. State and local government checks or drafts that are payable to you. Cashier s, certified, and teller s checks or drafts that are payable to you. Federal Reserve Bank checks or drafts, Federal Home Loan Bank checks or drafts, and postal money orders, if these items are payable to you. If you do not make your deposit in person to one of our employees (for example, if you mail the deposit), funds from these deposits will be available by the first business day after the day we receive your deposit. 5. AVAILABILITY OF OTHER CHECK OR DRAFT DEPOSITS The first $200.00 from a deposit of other checks or drafts will be available by the first business day after the day of your deposit. The remaining funds will be available by the second business day after the day of your deposit. For example, if you deposit a check or draft of $700.00 on a Monday, $200.00 of the deposit will be available by Tuesday. The remaining $500.00 will be available by Wednesday. 6. HOLDS ON OTHER FUNDS If we cash a check or draft for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check or draft we cashed would have been available if you had deposited it. If we accept for 20 Vantage West Welcome Packet

deposit a check or draft that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately, but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check or draft that you deposited. 7. LONGER DELAYS MAY APPLY We may delay your ability to withdraw funds deposited by check or draft into your account an additional number of days for these reasons: We believe a check or draft you deposit will not be paid. You deposit checks or drafts totaling more than $5,000.00 on any one (1) day. You deposit a check or draft that has been returned unpaid. You have overdrawn your account repeatedly in the last six (6) months. There is an emergency, such as failure of communications or computer equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit. 8. SPECIAL RULES FOR NEW ACCOUNTS If you are a new member, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,000.00 of a day s total deposits of cashier s, certified, teller s, traveler s, and federal, state, and local government checks or drafts will be available on the same business day of your deposit if the deposit meets certain conditions. For example, the checks or drafts must be payable to you. The excess over $5,000.00 will be available on the ninth business day after the day of your deposit. If your deposit of these checks or drafts (other than a U.S. Treasury check or draft) is not made in person to one of our employees, the first $5,000.00 may not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available by the ninth business day after the day of your deposit. 9. DEPOSITS AT ATMS Funds from any deposits (cash or checks or drafts) made at automated teller machines (ATMs) may not be available until the second business day after the date of your deposit. 10. FOREIGN CHECKS OR DRAFTS Checks or drafts drawn on financial institutions located outside the U.S. (foreign checks or drafts) cannot be processed the same as checks or drafts drawn on U.S. financial institutions. Foreign checks or drafts are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks or drafts will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawn. CUNA Mutual Group, 1988, 2007, 09, ALL RIGHTS RESERVED DAZAU7 (11452)-e ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement is the contract which covers your and our rights and responsibilities concerning the electronic funds transfer (EFT) services offered to you by Vantage West Credit Union ( Credit Union ). In this agreement, the words you and yours mean those who sign the application or account card as applicants, joint owners, or any authorized users. The words we, us, and our mean the Credit Union. The word account means any one (1) or more savings, checking and Premium Share, Share Certificates accounts you have with the Credit Union. Electronic funds transfers are electronically initiated transfers of money from your account through the EFT services described below. By signing an application or account card for EFT services, signing your card, or using any service, each of you, jointly and severally, agree to the terms and conditions in this agreement and any amendments for the EFT services offered. 1. EFT SERVICES If approved, you may conduct any one (1) or more of the EFT services offered by the Credit Union. a. ATM Card. If approved, you may use your card and personal identification number (PIN) in automated teller machines (ATMs) of the Credit Union, STAR and PLUS networks, and such other machines or facilities as the Credit Union may designate. For ATM transactions, you must consent to the Credit Union s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from this type of transaction. Services and fees for ATM overdrafts are shown in the document the Credit Union uses to capture the member s opt-in choice for overdraft protection and the Schedule of Fees and Charges. At the present time, you may use your card to: Make deposits to your savings, checking, or Premium Share accounts. Withdraw funds from your savings, checking, or Premium Share accounts. Transfer funds from your savings, checking, and Premium Share accounts. Obtain balance information for your savings, checking, Premium Share, VISA, and Line of Credit accounts. Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at POS terminals that carry STAR, PLUS network logo(s). Make payments to your Line of Credit, VISA credit line or loan. The following limitations on the frequency and amount of ATM transactions may apply: There is no limit on the number of cash withdrawals you may make in any one (1) day. You may withdraw up to a maximum of $500.00 in any one (1) day, if there are sufficient funds in your account. There is no limit on the number of POS transactions you may make in any one (1) day. You may purchase up to a maximum of $3,000.00 from POS terminals per day, if there are sufficient funds in your account. For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. You may transfer up to the available balance in your accounts at the time of the transfer. See Section 2 for transfer limitations that may apply to these transactions. Because of the servicing schedule and processing time required in ATM operations, there may be a delay between the time a deposit (either cash or check) is made and when it will be available for withdrawal. b. VISA Checking Card. If approved, you may use your card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking account. For one-time debit transactions, you must consent to the Credit Union s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transaction. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, STAR, PLUS and networks, and such other machines or facilities as the Credit Union may designate. However, provisions of this Agreement relating to Visa transactions do not apply to transactions processed through non-visa networks. To initiate a Visa Debit transaction, you may sign a receipt, provide a card number or swipe your card through a point-ofsale (POS) terminal and choose to route the transaction over a Visa network. Please refer to the Member Liability section of this Agreement for terms and conditions. At the present time, you may use your card to: Make deposits to your savings, checking, or Premium Share accounts. Withdraw funds from your savings, checking, or Premium Share accounts. Vantage West Welcome Packet 21

Transfer funds from your savings, checking, and Premium Share accounts. Obtain balance information for your savings, checking, Premium Share, VISA, and Line of Credit accounts. Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. Order goods or services by mail or telephone from places that accept Visa. Make payments to your Line of Credit, VISA credit line or loan. The following limitations on the frequency and amount of VISA Checking Card transactions may apply: There is no limit on the number of VISA Checking Card purchases you make per day. Purchase amounts are limited to the amount in your account. You may purchase up to a maximum of $3,000.00 per day. There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. You may purchase up to a maximum of $3,000.00 from POS terminals per day, if there are sufficient funds in your account. For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. You may transfer up to the available balance in your accounts at the time of the transfer. See Section 2 for transfer limitations that may apply to these transactions. c. PhoneBank. If we approve PhoneBank for your accounts, a separate personal identification number (PIN) will be assigned to you. You must use your personal identification number (PIN) along with your account number to access your accounts. At the present time, you may use PhoneBank to: Withdraw funds from your savings, checking, or Premium Share accounts. Transfer funds from your savings, checking, or Premium Share accounts. Obtain balance information for your savings, checking, loan, and Premium Share accounts. Make loan payments from your savings, checking, or Premium Share accounts. Access your Line of Credit, VISA Line of Credit, and Home Equity Line of Credit account. Determine if a particular item has cleared. Obtain tax information on amounts earned on savings, checking, Premium Share, and Share Certificates accounts or interest paid on loan accounts. Verify the last date and amount of your payroll deposit. Obtain Loan Balance, Payment Amount, Due Date, Loan Payoffs, and Available Credit. Your accounts can be accessed under PhoneBank via a touch-tone telephone only. PhoneBank service will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a short time each day for data processing. There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day. See Section 2 for transfer limitations that may apply to these transactions. The Credit Union reserves the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address of record. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limits. The Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction, and there may be limits on the duration of each telephone call. d. Preauthorized EFTs. Direct Deposit. Upon instruction of (i) your employer or (ii) the Treasury Department or (iii) other financial institutions, the Credit Union will accept direct deposits of your paycheck or federal recurring payments, such as Social Security, to your savings, checking or premium share account. Preauthorized Debits. Upon instruction, we will pay certain recurring transactions from your savings and checking account. See Section 2 for transfer limitations that may apply to these transactions. Stop Payment Rights. If you have arranged in advance to make electronic fund transfers out of your account(s) for money you owe others, you may stop payment on preauthorized transfers from your account. You must notify us orally or in writing at any time up to three (3) business days before the scheduled date of the transfer. We may require written confirmation of the stop payment order to be made within 14 days of any oral notification. If we do not receive the written confirmation, the oral stop payment order shall cease to be binding 14 days after it has been made. A stop payment request for preauthorized Electronic Fund Transfers will apply to all subsequent transfers, unless you withdraw the request. Notice of Varying Amounts. If these regular payments may vary in amount, the person you are going to pay is required to tell you, ten (10) days before each payment, when it will be made and how much it will be. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment or when the amount would fall outside certain limits that you set. Liability for Failure to Stop Payment of Preauthorized Transfers. If you order us to stop payment of a preauthorized transfer three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. e. Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills with a check or share draft, you may authorize your check or share draft to be converted to an electronic funds transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic funds transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization. f. HOME BANKING 24-7. If we approve HOME BANKING 24-7 for your accounts, a separate personal identification number (PIN) will be assigned to you. You must use your personal identification number (PIN) along with your account number to access your accounts. At the present time, you may use HOME BANKING 24-7 to: Withdraw funds from your savings, checking, or Premium Share accounts. Transfer funds from your savings, checking, or Premium Share accounts. Obtain balance information for your savings, checking, loan, certificate, and Premium Share accounts. Make loan payments from your savings, checking, or Premium Share accounts. Access your Line of Credit, Home Equity Line of Credit, and VISA Line of Credit account. Make bill payments to preauthorized creditors. Obtain copies of cleared checks. Obtain transaction history information. Your accounts can be accessed under HOME BANKING 24-7 via personal computer. HOME BANKING 24-7 will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a short time each day for data processing. We reserve the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address of record. We may set other limits on the amount of any transaction, and you will be notified of those limits. We may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction, and there may be limits on the duration of each access. 22 Vantage West Welcome Packet

There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day. See Section 2 for transfer limitations that may apply to these transactions. g. Bill Payment. The Bill Payment Service permits you to use your personal computer to direct payments from your designated online Bill Payment Account to third parties you wish to pay. All payments you make will be deducted from the checking account that you designate as your Bill Payment Account for the Bill Payment Service. Funds must be available (collected funds) in your Bill Payment Account on the scheduled payment date. If the date you schedule a payment to be initiated falls on a non-business day (Saturday, Sunday, or holiday), funds must be available in your Bill Payment Account the following business day (e.g. Monday). After funds are withdrawn from your Bill Payment Account to make a payment, we may make the payment either by transferring funds electronically to the payee or by mailing the payee a check. We cannot guarantee the time that any payment will be credited to your account by the vendor. There is no limit on the number of bill payments per day. 2. TRANSFER LIMITATIONS For all savings and Premium Share accounts, you may make no more than six (6) transfers and withdrawals from your account to another account of yours or to a third party in any month by means of a preauthorized, automatic or Internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you exceed these limitations, your account may be subject to a fee or be closed. 3. CONDITIONS OF EFT SERVICES a. Ownership of Cards. Any card or other device which we supply to you is our property and must be returned to us, or to any person whom we authorize to act as our agent, or to any person who is authorized to honor the card, immediately according to instructions. The card may be repossessed at any time at our sole discretion without demand or notice. You cannot transfer your card or account to another person. b. Honoring the Card. Neither we nor merchants authorized to honor the card will be responsible for the failure or refusal to honor the card or any other device we supply to you. If a merchant agrees to give you a refund or adjustment, you agree to accept a credit to your account in lieu of a cash refund. c. Foreign Transactions. Visa. Purchases and cash withdrawals made in foreign currencies will be debited from your account in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated rate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from the rate that would have been used on the purchase date or cardholder statement posting date. A fee of 1.00% of the amount of the transaction, calculated in U.S. dollars, will be imposed on all multiple currency foreign transactions, including purchases, cash withdrawals and credits to your account. A fee of 0.80% of the amount of the transaction, calculated in U.S. dollars, will be imposed on all single currency foreign transactions, including purchases, cash withdrawals and credits to your account. A foreign transaction is any transaction that you complete or a merchant completes on your card outside of the United States, with the exception of U.S. military bases, U.S. territories, U.S. embassies or U.S. consulates. d. Security of Access Code. You may use one (1) or more access codes with your electronic funds transfers. The access codes issued to you are for your security purposes. Any codes issued to you are confidential and should not be disclosed to third parties or recorded on or with the card. You are responsible for safekeeping your access codes. You agree not to disclose or otherwise make your access codes available to anyone not authorized to sign on your accounts. If you authorize anyone to use your access codes, that authority shall continue until you specifically revoke such authority by notifying the Credit Union. You understand that any joint owner you authorize to use an access code may withdraw or transfer funds from any of your accounts. If you fail to maintain the security of these access codes and the Credit Union suffers a loss, we may terminate your EFT services immediately. e. Joint Accounts. If any of your accounts accessed under this agreement are joint accounts, all joint owners, including any authorized users, shall be bound by this agreement and, alone and together, shall be responsible for all EFT transactions to or from any savings, checking and Premium Share, Share Certificates or loan accounts as provided in this agreement. Each joint account owner, without the consent of any other account owner, may, and is hereby authorized by every other joint account owner, make any transaction permitted under this agreement. Each joint account owner is authorized to act for the other account owners, and the Credit Union may accept orders and instructions regarding any EFT transaction on any account from any joint account owner. 4. FEES AND CHARGES There are certain fees and charges for EFT services. For a current listing of all applicable fees, see our current Fee Schedule that was provided to you at the time you applied for or requested these electronic services. From time to time, the charges may be changed. We will notify you of any changes as required by applicable law. If you use an ATM not operated by us, you may be charged a fee by the ATM operator and by any national, regional, or local network used in processing the transaction (and you may be charged a fee for a balance inquiry even if you do not complete a funds transfer). The ATM surcharge will be debited from your account if you elect to complete the transaction or continue with the balance inquiry. 5. MEMBER LIABILITY You are responsible for all EFT transactions you authorize. If you permit someone else to use an EFT service, your card or your access code, you are responsible for any transactions they authorize or conduct on any of your accounts. TELL US AT ONCE if you believe your card has been lost or stolen, if you believe someone has used your card or access code or otherwise accessed your accounts without your authority, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If a transaction was made with your card or card number without your permission, and was either a Visa or Interlink transaction, you will have no liability for the transaction, unless you were grossly negligent in the handling of your account or card. For all other EFT transactions, including ATM transactions or if you were grossly negligent in the handling of your account or card, your liability for an unauthorized transaction is determined as follows. If you tell us within two (2) business days you can lose no more than $50.00 if someone used your card without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your card, and we can prove we could have stopped someone from using your card without your permission if you had told us, you could lose as much as $500.00. Also, if your statement shows transfers that you did not make including those made by card, code or other means, TELL US AT ONCE. If you do not tell us within sixty (60) days after the statement was sent to you, you may not get back any money lost after the sixty (60) days if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your card has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: (520) 298-7882 (800) 888-7882 - Outside of Tucson TDD# (520) 733-9453 or write to: Vantage West Credit Union P.O. Box 15115 Tucson, AZ 85708 You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission. 6. RIGHT TO RECEIVE DOCUMENTATION a. Periodic Statements. Transfers and withdrawals made through any ATM or POS terminal, debit card transactions, audio response transactions, preauthorized EFTs, online/pc transactions or bill payments you make will be recorded on your periodic statement. You will receive a statement monthly unless there is no transaction in a particular month. In any case, you will receive a statement at least quarterly. b. Terminal Receipt. You can get a receipt at the time you make any transaction (except inquiries) involving your account using an ATM, and/or point-of-sale (POS) terminal. c. Direct Deposit. If you have arranged to have a direct deposit made to your account at least once every sixty (60) days from the same source and you do not receive a receipt (such as a pay stub), you can find out whether or not the deposit has been made by calling (520) 298-7882 or (800) 888-7882 - outside of Tucson. This does not apply to transactions occurring outside the United States. Vantage West Welcome Packet 23

7. ACCOUNT INFORMATION DISCLOSURE We will disclose information to third parties about your account or the transfers you make: As necessary to complete transfers; To verify the existence of sufficient funds to cover specific transactions upon the request of a third party, such as a credit bureau or merchant; If your account is eligible for emergency cash and/or emergency card replacement services, and you request such services, you agree that we may provide personal information about you and your account that is necessary to provide you with the requested service(s); To comply with government agency or court orders; or If you give us your written permission. 8. BUSINESS DAYS Our business days are Monday through Friday, excluding holidays. 9. CREDIT UNION LIABILITY FOR FAILURE TO MAKE TRANSFERS If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we may be liable for your losses or damages. However, we will not be liable for direct or consequential damages in the following events: If, through no fault of ours, there is not enough money in your accounts to complete the transaction, if any funds in your accounts necessary to complete the transaction are held as uncollected funds pursuant to our Funds Availability Policy, or if the transaction involves a loan request exceeding your credit limit. If you used your card or access code in an incorrect manner. If the ATM where you are making the transfer does not have enough cash. If the ATM was not working properly and you knew about the problem when you started the transaction. If circumstances beyond our control (such as fire, flood, or power failure) prevent the transaction. If the money in your account is subject to legal process or other claim. If funds in your account are pledged as collateral or frozen because of a delinquent loan. If the error was caused by a system of any participating ATM network. If the electronic transfer is not completed as a result of your willful or negligent use of your card, access code, or any EFT facility for making such transfers. If the telephone or computer equipment you use to conduct audio response or online/pc transactions is not working properly and you know or should have known about the breakdown when you started the transaction. If you have bill payment services, we can only confirm the amount, the participating merchant, and date of the bill payment transfer made. For any other question you have involving the billing statement of the participating merchant, you must contact the merchant directly. We are not responsible for investigating such errors. Any other exceptions as established by the Credit Union. If your card is damaged or blocked. 10. NOTICES All notices from us will be effective when we have mailed them or delivered them to your last known address in the Credit Union s records. Notices from you will be effective when received by the Credit Union at the address specified in this agreement. We reserve the right to change the terms and conditions upon which this service is offered. We will mail notice to you at least twenty-one (21) days before the effective date of any change. Use of this service is subject to existing regulations governing the Credit Union account and any future changes to those regulations. The following information is a list of safety precautions regarding the use of ATMs and night deposit facilities: Be aware of your surroundings, particularly at night. Consider having someone accompany you when the ATM or night deposit facility is used after dark. Close the entry door of any ATM facility equipped with a door. If another person is uncomfortably close to you at the time of your transaction, ask the person to step back before you complete your transaction. If it is after the regular hours of the financial institution and you are using an ATM, do not permit entrance to any person you do not know. Refrain from displaying your cash at the ATM or night deposit facility. As soon as your transaction is completed, place your money in your purse or wallet. Count the cash later in the safety of your car or home. If you notice anything suspicious at the ATM or night deposit facility, consider using another ATM or night deposit facility or coming back later. If you are in the middle of a transaction and you notice something suspicious, cancel the transaction, take your card or deposit envelope, and leave. If you are followed after making a transaction, go to the nearest public area where people are located. Do not write your personal identification number (PIN) or access code on your ATM card. Report all crimes to law enforcement officials immediately. If emergency assistance is needed, call the police from the nearest available public telephone. 11. BILLING ERRORS In case of errors or questions about electronic funds transfers from your savings, checking and Premium Share, Share Certificates accounts or if you need more information about a transfer on the statement or receipt, telephone us at the following number or send us a written notice to the following address as soon as you can. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears. Call us at: (520) 298-7882 or (800) 888-7882 - Outside of Tucson or write to: Vantage West Credit Union P.O. Box 15115 Tucson, AZ 85708 Tell us your name and account number. Describe the electronic transfer you are unsure about and explain, as clearly as you can, why you believe the Credit Union has made an error or why you need more information. Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within ten (10)* business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45)** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10)* business days for the amount you think is in error so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account. We will tell you the results within three (3) business days of completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. * If you give notice of an error within thirty (30) days after you make the first deposit to your account, we will have twenty (20)business days instead of ten (10) business days to investigate the error. ** If you give notice of an error within thirty (30) days after you make the first deposit to your account, notice of an error involving a POS transaction, or notice of an error involving a transaction initiated outside the U.S., its possessions and territories, we will have ninety (90) days instead of forty-five (45) days to investigate the error. NOTE: If the error you assert is an unauthorized Visa transaction, other than a cash disbursement at an ATM, we will credit your account within five (5) business days unless we determine that the circumstances or your account history warrant a delay, in which case you will receive credit within ten (10) business days. 24 Vantage West Welcome Packet

12. TERMINATION OF EFT SERVICES You may terminate this agreement or any EFT service under this agreement at any time by notifying us in writing and stopping your use of your card and any access code. You must return all cards to the Credit Union. You also agree to notify any participating merchants that authority to make bill payment transfers has been revoked. We may also terminate this agreement at any time by notifying you orally or in writing. If we terminate this agreement, we may notify any participating merchants making preauthorized debits or credits to any of your accounts that this agreement has been terminated, and that we will not accept any further preauthorized transaction instructions. We may also program our computer not to accept your card or access code for any EFT service. Whether you or the Credit Union terminates this agreement, the termination shall not affect your obligations under this agreement for any electronic transactions made prior to termination. 13. GOVERNING LAW This agreement is governed by the bylaws of the Credit Union, federal laws and regulations, the laws and regulations of the state of Arizona, and local clearinghouse rules, as amended from time to time. Any disputes regarding this agreement shall be subject to the jurisdiction of the court of the county in which the Credit Union is located. 14. ENFORCEMENT You are liable to us for any losses, costs or expenses we incur resulting from your failure to follow this agreement. You authorize us to deduct any such losses, costs or expenses from your account without prior notice to you. If we bring a legal action to collect any amount due under or to enforce this agreement, we shall be entitled, subject to applicable law, to payment of reasonable attorney s fees and costs, including fees on any appeal, bankruptcy proceedings, and any post- judgment collection actions. CUNA Mutual Group, 1993, 2007, 09, ALL RIGHTS RESERVED DAZAN6 (510024)-e Business Accounts BUSINESS MEMBERSHIP AND ACCOUNT AGREEMENT This Business Membership and Account Agreement ( Agreement ) covers the responsibilities concerning accounts owned by a business or organization account owner ( Account Owner ) and the credit union providing this agreement ( Credit Union ). In this Agreement, the words you and yours mean the Account Owner and each person signing an Account Card ( Account Card ).The words we, us, and our mean the Credit Union. The word account means any one or more share or other accounts you have with the Credit Union. 1. CONTRACT. Your account type(s) is(are) designated on your Account Card. Your account shall be held as a single/individual account in the name of the Account Owner. By signing an Account Card, you agree to the terms and conditions in this Agreement and Account Card, the Funds Availability Policy Disclosure, Rate Sheets, Fee Schedules, any Account Receipt, the Credit Union s Bylaws and policies, any amendments to these documents from time to time which collectively govern your membership and accounts, all applicable present and future federal and state laws and regulations, local banking customs, and the rules of any clearing house association with whom we may deal. The word bylaws means the Bylaws or the Code of Regulations of the Credit Union. 2. MEMBERSHIP ELIGIBILITY. To join the Credit Union the Account Owner must meet the membership requirements including, if applicable, the purchase and maintenance of the minimum required share(s) ( membership share ), as set forth in the Credit Union s Bylaws or established from time to time by the Credit Union s Board of Directors. You authorize us to check your account, credit and employment history, and obtain reports from third parties, including credit reporting agencies, to verify your eligibility for the accounts and services you request. 3. ACCOUNT ACCESS. a. Authorized Persons. The following are persons authorized ( Authorized Person(s) ) to establish and act on behalf of the Account Owner with respect to accounts held at the Credit Union. If the Account Owner is a sole proprietorship, the business owner and any person designated by the business owner; If the Account Owner is a partnership, each partner (or general partner in the case of a limited partnership) and any person designated by the partners; If the Account Owner has any other form of organization or is an unincorporated organization or association, the individuals vested with the power to make decisions concerning the operation of the Account Owner must designate the persons authorized to establish accounts at the Credit Union and transact business on such accounts on behalf of the Account Owner. b. Authority. Authorized Persons are vested with authority to open and close accounts on behalf of the Account Owner, and transact any business of any nature on such accounts including but not limited to the following: Depositing, withdrawing and transferring funds into, out of and between one or more account Signing drafts, checks and other orders for payment or withdrawal; Issuing instructions regarding orders for payment or withdrawal; Endorsing any check, draft, share certificate and other instrument or order for payment owned or held by the Account Owner; and Receiving information of any nature about the account. We have no obligation to inquire as to the use of any funds or the purpose of any transaction made on your account by an Authorized Person and are not responsible for any unauthorized transaction by an Authorized Person. We will not be liable for refusing to honor any item or instruction if we believe the signature is not genuine. It is your responsibility to provide us with specimen signatures of all Authorized Persons and to inform us immediately in writing of any changes. If you have authorized the use of a facsimile signature of any Authorized Person, we may honor any document that appears to bear such a facsimile signature. c. Access Options. You may withdraw or transfer funds from your account in any manner we permit (e.g., in person or by automated teller machine, point of sale device, automatic transfer or other available electronic means, mail or telephone). Authorized Persons may execute additional agreements and documents we require to access, transact business on and otherwise exercise authority over your account. We may return as unpaid any draft drawn on a form we do not provide. Any losses, expenses, or fees resulting from or imposed due to handling such a draft will be charged to your account. d. Credit Union Examination. We may disregard information on any draft or check, other than the signature of the drawer, the amount and any magnetic encoding. You agree we do not fail to exercise ordinary care in paying an item solely because our procedures do not provide for sight examination of items. 4. DEPOSIT OF FUNDS REQUIREMENTS. Funds may be deposited to accounts, in any manner approved by the Credit Union in accordance with the requirements set forth on our rate sheet(s) and fee schedule(s) applicable to business accounts. We have the right to refuse any deposit, limit the amount that may be offered for deposit, and return all or any part of a deposit. Deposits made by mail, at night depositories or at unstaffed facilities are not our responsibility until we receive them. a. Endorsements. We may accept transfers, checks, drafts, and other items for deposit into any of your accounts if they are made payable to, or to the order of the Account Owner even if they are not endorsed. If a check, draft or other item that is payable to two or more persons is ambiguous as to whether it is payable to either or both, we may process the check, draft or item as though it is payable to either person. If an insurance, government, or other check or draft requires an endorsement as set forth on the back of the check or draft, we may require endorsement as set forth on the item. We may, but are not required, to accept for cash or other value checks, drafts, or items made payable to the Account Owner provided such items are endorsed with an original or facsimile signature of the required number of Authorized Persons. Endorsements must be made on the back of the share draft or check within 1Y, inches from the top edge, although we may accept endorsements outside this space. However, any loss we incur from a delay or processing error resulting from an irregular endorsement or other markings by you or any prior endorser will be your responsibility. b. Collection of Items. We act only as your agent and we are not responsible for handling items for deposit or collection beyond the exercise of ordinary care. Deposits made by mail or at unstaffed facilities are not our responsibility until we receive them. We are not liable for the negligence of any correspondent or for loss in transit, and each correspondent will only be liable for its own negligence. We may send any item for collection. Items drawn on an institution located outside the United States are handled on a collection basis only. You waive any notice of nonpayment, dishonor, or protest regarding items we purchase or receive for credit or collection to your account. We reserve the right to pursue collection of previously dishonored items at any time, including giving a payor financial institution extra time beyond any midnight deadline limits. c. Restrictive Legends. Some checks and drafts contain restrictive legends or similar limitations on the front of the item. Examples of restrictive legends include two sig- Vantage West Welcome Packet 25

natures required, void after 60 days, and not valid over $500.00. We are not liable for payment of any check or draft contrary to a restrictive legend or other limitation contained in or on the item unless we have specifically agreed in writing to the restriction or limitation. d. Final Payment. All items credited to your account are provisional until we receive final payment. If final payment is not received, we may charge your account for the amount of such items and impose a return item charge on your account. Any collection fees we incur may be charged to your account. We reserve the right to refuse or return any item or funds transfer. e. Direct Deposits. We may offer preauthorized deposits (e.g., payroll checks, Social Security or retirement checks, or other government checks) or preauthorized transfers from other accounts. You must authorize direct deposits and preauthorized transfers by filling out a separate document. You must notify us at least thirty (30) days in advance to cancel or change a direct deposit or transfer option. Upon a bankruptcy filing, unless you cancel an authorization we will continue making direct deposits in accordance with your authorization on file with us. If we are required to reimburse the government agency for any benefit payment directly deposited into your account, we may deduct the amount returned from any of your accounts, unless prohibited by law. If your account is overdrawn, you authorize us to deduct the amount your account is overdrawn from any deposit, including deposits of government payments or benefits. f. Crediting of Deposits. Deposits made after the deposit cutoff time and deposits made on either holidays or days that are not our business days will be credited to your account on the next business day. 5. ELECTRONIC FUNDS TRANSFERS. a. Uniform Commercial Code Article 4A and Other Agreements. Except as amended by this Agreement, electronic funds transfers we permit that are subject to Article 4A of Uniform Commercial Code will be subject to such provisions of the Uniform Commercial Code as enacted by the state where the main office of the Credit Union is located. You may be provided with a separate document providing details about certain types of electronic funds transfer transactions available on your account. Any provisions in such documents purporting to limit your liability for unauthorized transactions, imposing liability on us for failing to stop a preauthorized electronic funds payment and imposing duties on us in the case of billing errors are not applicable to your account. b.fedwire Transactions. We may execute certain requests for electronic funds transfers by Fedwire. Fedwire transactions are subject to Federal Reserve Board Regulation J. c. Authorization for Transfers/Debiting of Accounts. Any Authorized Person is authorized to make or order electronic funds transfers to or from your account. We will debit your account for the amount of an electronic funds transfer and will charge your account for any fees related to the transfer. If a signature is required to authorize a funds transfer, the required number of signatures of Authorized Persons must be present before we will execute the transfer. d. Right to Refuse to Make Transfer/Limitation of Liability. Unless we agree otherwise in writing, we reserve the right to refuse to execute any order to transfer funds to or from your account. We are not obligated to execute any order to transfer funds out of your account if the amount of the requested transfer plus applicable fees exceeds the available funds in your account. We are not liable for errors, delays, interruptions or transmission failures caused by third parties or circumstances beyond our control including mechanical, electronic or equipment failure. e. No Notice Required. We will not provide you with next day notice of ACH, wire transfers and other electronic payments credited to your account. You will receive notice of such credits on your account statements. You may contact us to determine whether a payment has been received. f. Interest Payments. If we are required by law to pay interest to you, you agree that the rate of interest shall be the lowest available nominal dividend or interest rate paid on accounts during the time interest payments are required. g. Provisional Credit tor ACH Transactions. We may provisionally credit your account for an ACH transfer before we receive final settlement. If we do not receive final settlement, we may reverse the provisional credit or require you to refund us the amount provisionally credited to your account. h. Payment Order Processing and Cut-off Times. Payment orders we accept will be executed within a reasonable time of receipt. Unless we have agreed otherwise in writing, a payment order may not necessarily be executed on the date it is received or on a particular date you specify. Cut-off times may apply to the receipt, execution and processing of funds transfers, payment orders, cancellations, and amendments. Funds transfers, payment orders, cancellations, and amendments received after a cut-off time may be treated as having been received on the next following funds transfer business day. Information about any cut-off times is available upon request. From time to time, we may need to temporarily suspend processing of a transaction for greater scrutiny of verification in accordance with applicable law. This action may affect settlement or availability of the transaction. i. Identifying Information. When you initiate a wire transfer, you may identify the recipient and any financial institution by name and by account or identifying number. The Credit Union and any other financial institutions facilitating the transfer may rely strictly on the account or other identifying number even if the number identifies a different person or financial institution. j. Amendments and Cancellations of Payment Orders. Any Authorized Person may amend or cancel a payment order regardless of whether that person initiated the order. We may refuse requests to amend or cancel a payment order that we believe will expose the Credit Union to liability or loss. Any request to amend or cancel a payment order that we accept will be processed within a reasonable time after it is received. You agree to hold us harmless from and indemnify us for all losses and expenses resulting from any actual or attempted amendment or cancellation of a payment order. k. Security Procedures. We may require you to follow a security procedure to execute a payment order or certain electronic funds transfer transactions. We will notify you of any such security procedures. Unless we permit you to establish a different security procedure, you agree that the security procedures contained in the Credit Union s policies are commercially reasonable verification of payment orders and other electronic funds transfers. If we permit you to establish a different security procedure, you agree that procedure is a commercially reasonable method of verifying electronic funds transfers. 6. ACCOUNT RATES AND FEES. We pay account earnings and assess fees against your account as set forth in our business account rate sheet(s) and fee schedule(s). We may change our rate sheet(s) and fee schedule(s) at any time and will notify you as required by law. 7. TRANSACTION LIMITATIONS. a. Withdrawal Restrictions. We reserve the right to restrict withdrawals or transfers from your account and shall not be liable for any restrictive action we take regarding i) withdrawals or transfers; or ii) payments or non-payments of a share draft, except for those damages which may arise solely as a result of the Credit Union s negligence. We permit withdrawals only if your account has sufficient available funds to cover the full amount of the withdrawal or you have an established overdraft protection plan. Drafts or other transfers or payment orders which are drawn against insufficient funds may be subject to a service charge as set forth in our business account rate sheet(s) and fee schedule(s). If there are sufficient funds to cover some, but not all, of your withdrawal, we may allow those withdrawals for which there are sufficient funds. We may limit or refuse a withdrawal in some situations, and will advise you accordingly; for example: (1) a dispute between Account Owners (unless a court has ordered the Credit Union to allow the withdrawal); (2) a legal garnishment or attachment is served; (3) the account secures any obligation to us; (4) required documentation has not been presented; (5) you fail to repay a Credit Union loan on time; (6) if (non-corporate account) a depositor is deceased or (corporate account) the corporation is in bankruptcy proceedings or has been dissolved and the required disposition of the account has not been made; (7) someone with authority to do so requests us not to permit the withdrawal; or (8) there are other circumstances which do not permit us to make the withdrawal. We also reserve the right to refuse any withdrawal which is attempted by any method not specifically permitted by us. We may require you to give written notice of seven (7) days to sixty (60) days before any intended withdrawals. Although we are required by law to reserve the right to require seven (7) days advance notice prior to permitting withdrawals, we do not presently exercise this right. b. Transfer Iimitations. For accounts in which transfer limitations apply, during any month you may not make more than six (6) withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer, by telephone order or instruction, or by check, draft, debit card, if applicable, or similar order. A preauthorized transfer includes any arrangement with us to pay a third party from your account upon oral or written orders including orders received through the automated clearinghouse ( ACH ). When a transfer exceeds these limitations we may refuse or reverse it, we may assess fees against your account, and we may suspend or close your account and transfer the balance to an account without such transfer limitations. There is no limit on the number of transfers you may make to a Credit Union loan account. There is no limit on the number of withdrawals you may make if the withdrawal is made in person, by mail, messenger or at an A TM. There is also, no limit on the number of telephone requests for withdrawals in the form of a check, which is then mailed directly to you, although we may impose a fee for such services. 8. CERTIFICATE ACCOUNTS. Any time deposit, term share, share certificate, or certificate of deposit account allowed by state law ( Certificate Account ), whichever we otter, is subject to the terms of this Agreement, our business account rate sheet(s) and fee schedule(s), the Account Deposit Receipt(s). if provided, and any other documents we provide for the account, the terms of which are incorporated herein by reference. 26 Vantage West Welcome Packet

9. OVERDRAFTS AND DISHONORED ITEMS. a. Overdrafts. If on any day the available funds in your account are not sufficient to pay checks, drafts, fees, returned items and other items posted to your account, those amounts will be subject to our overdraft procedures or an overdraft protection plan you have established for your account. We are not required to pay any item that will exceed the available balance tor your account or that will cause the approved credit limit on an overdraft protection plan to be exceeded. The available balance tor your account is determined according to our funds availability policy. Whether the balance in your account is sufficient to pay an item may be determined at any time between presentation of the item and our midnight deadline with only one review of the account required. Items drawn on your account may be paid in any order we choose. We may return any item and are not required to notify you if your account or overdraft credit limit does not contain sufficient funds to pay the item. However, we may, at our discretion pay items that overdraw your account. By paying an item drawn on insufficient funds we do not agree to pay such items in the future. We may charge fees to your account, as set forth in our business account rate sheet(s) and fee schedule(s), tor items drawn on insufficient funds regardless of whether we pay the item or return it. If we pay an item, impose a fee or post an item that overdraws your account, you must repay the amount according to requirements of our overdraft policy. b. Dishonored Items. We may redeposit items taken for deposit, cash or other value, or we may return the item to you and charge your account. If your account does not contain sufficient funds to reimburse us for the amount of the item, you must repay us for the amount we are unable to collect from your account. If we choose to redeposit an item, we are not required to notify you that the item was returned unpaid. We may charge your account and/or seek recovery directly from you for any item that is returned due to your breach of warranty under the Uniform Commercial Code as adopted in the state where our main office is located. 10. CHECKS PRESENTED FOR PAYMENT IN PERSON. We may refuse to accept any draft drawn on your account that is presented for payment in person. Such refusal shall not constitute a wrongful dishonor of the draft and we shall have no liability for refusing payment. If we agree to cash a check that is presented for payment in person, we may require the presenter to pay a fee. Any applicable check cashing fees are stated in the fee schedule(s) applicable to business accounts. 11. POSTDATED AND STALEDATED DRAFTS. You agree not to draw or issue any draft that is postdated. If you do draw or issue a draft that is payable on a future date, we shall have no liability if we pay the draft before its payment date. You agree not to deposit drafts, checks, or other items before they are properly payable. We are under no obligation to pay a draft/check drawn on your account that is presented more than six (6) months after the date it was written. If, however, the draft/check is paid against your account, the Credit Union shall have no liability for such payment. 12. FOREIGN CURRENCY. All drafts drawn on your account shall be payable in currency of the United States of America. You agree not to draw a draft payable in any foreign currency. If you give us an order to pay the draft in foreign currency, we shall have the right to return the draft unpaid. If, however, we should pay the draft we shall not be responsible for the currency conversion and any fees assessed for collection, and you shall be bound by our determination of the currency conversion rate and the data and manner in which we make the conversion. 13. STOP PAYMENT ORDERS. a. Stop Payment Order Request. Any Authorized Person may request a stop payment order on any draft drawn on your account. To be binding an order must be dated, signed, and describe the account and draft number and the exact amount. The stop payment will be effective if the Credit Union receives the order within a reasonable time for the Credit Union to act upon the order and you state the number of the account, number of the draft, and its exact amount. You understand that the exact information is necessary for the Credit Union s computer to identify the draft. If you give us incorrect or incomplete information, we will not be responsible for failing to stop payment on the draft. If the stop payment order is not received in time for us to act upon the order, we will not be liable to you or to any other party for payment of the draft. If we recredit your account after paying a draft over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the payee, to transfer to us all of your rights against the payee or other holders of the draft and to assist us in any legal action. b. Duration of Order, You may make an oral stop payment order which will lapse within fourteen (14) calendar days unless confirmed in writing within that time. A written stop payment order is effective for six (6) months and may be renewed in writing from time to time. We do not have to notify you when a stop payment order expires. c. Liability. Fees for stop payment orders are set forth on our fee schedule(s). You may not stop payment on any certified check, cashier s check, teller s check, or any other check, draft, or payment guaranteed by us. Although payment of an item may be stopped, you may remain liable to any item holder, including us. You have the burden of establishing the fact and amount of loss resulting from the payment of an item contrary to a binding stop payment order. You agree to indemnify and hold the Credit Union harmless from all costs, including attorney s fees, damages or claims related to our refusing payment of an item, including claims of any Account Owner, payee, or indorsee in failing to stop payment of an item as a result of incorrect information provided by you. 14. CREDIT UNION LIABILITY. If we do not properly complete a transaction according to this Agreement, we will be liable for your losses or damages not to exceed the amount of the transaction, except as otherwise provided by law or elsewhere in this Agreement. We will not be liable if: (1) your account contains insufficient funds for the transaction; (2) circumstances beyond our control prevent the transaction; (3) your loss is caused by your or another financial institution s negligence; or (4) your account funds are subject to legal process or other claim. We are not liable if drafts or other items were forged or altered so that the forgery or alteration could not be reasonably detected. We will not be liable for consequential damages, except liability for wrongful dishonor. We are not responsible even though a draft is paid by us if we acted in a commercially reasonable manner and exercised ordinary care. We exercise ordinary care if our actions or nonactions are consistent with applicable state law, federal reserve regulations and operating letters, clearinghouse rules, and general banking practices followed in the area we serve. You grant us the right, in making payments of deposited funds, to rely exclusively on the form of the account and the terms of this Agreement. Any conflict between what you or our employees may say or write will be resolved by reference to this Agreement. 15. UNAUTHORIZED USE OF CHECK WRITING AND FACSIMILE SIGNATURE EQUIPMENT. You are responsible for maintaining the security of all facsimile signatures, check writing equipment, and supplies. You must promptly notify us in writing of any checks that have been lost or stolen or the unauthorized use of facsimile signature equipment and the circumstances surrounding the loss, theft or unauthorized use. We are not liable for any unauthorized use of such facsimile signature. 16. PLEDGE OF SHARES/STATUTORY LIEN. Unless prohibited by law, you pledge and grant as security for all obligations you may have now or in the future, except obligations secured by your principal residence, all shares and dividends and, all deposits and interest, if any, in all accounts you have with us now and in the future. If you pledge a specific dollar amount in your account for a loan, we will freeze the funds in your account(s) to the extent of the outstanding balance of the loan or, if greater, the amount of the pledge if the loan is a revolving loan. Otherwise, funds in your pledged account(s) may be withdrawn unless you are in default. Federal or state law, depending on whether we have a federal or state charter, gives us a lien on all shares and dividends and all deposits and interest, if any, in accounts you have with us now and in the future. Except as limited by state or federal law, the statutory lien gives us the right to apply the balance of all your accounts to any obligation on which you are in default. After you are in default, we may exercise our statutory lien rights without further notice to you. Your pledge and our statutory lien rights will allow us to apply the funds in your account to what you owe when you are in default, except as limited by state or federal law. If we do not apply the funds in your account(s) to satisfy your obligation, we may place an administrative freeze on your account(s) in order to protect our statutory lien rights and may apply the funds in your account(s) to the amount you owe us at a later time. The statutory lien and your pledge does not apply to any Individual Retirement Account or any other account that would lose special tax treatment under state or federal law if given as security. By not enforcing our right to apply funds in your account to your obligations that are in default, we do not waive our right to enforce these rights at a later time. 17. TRANSFER OF ACCOUNT. All accounts are nonassignable and nontransferable to third parties except by us. 18. LEGAL PROCESS. If any legal action is brought against your account, we may pay out funds according to the terms of the action or refuse any payout until the dispute is resolved.. Any expenses or attorney s fees we incur responding to legal process may be charged against your account without notice, unless prohibited by law. Any legal process against your account is subject to our lien and security interest. 19. ACCOUNT INFORMATION. Upon request, we will give you the name and address of each agency from which we obtain a credit report regarding your account. We agree not to disclose account information to third parties except when: ( 1) it is necessary to complete a transaction; (2) the third party seeks to verify the existence or condition of your account in accordance with applicable law; (3) such disclosure is made to comply with the law or an order issued by a court or government agency; or (4) you give us written permission. We may provide information to credit bureaus about an insolvency, delinquency, late payment or default on your account to include in your credit report. 20. NOTICES. a. Name or Address Changes. You are responsible for promptly notifying us of any address or name change. The Credit Union is only required to attempt to communicate with you at the most recent address you have provided to us. Any change of address notification received from the U.S. Postal Service will be treated as if you notified us. We may, if we choose, accept oral notices of a change in address and may require any other notice from you to us be provided in writing. If we attempt to locate you, we may impose a service fee as set forth on our business account fee schedule(s). Vantage West Welcome Packet 27

b. Notice of Amendments. Except as prohibited by applicable Jaw, we may at any time change the terms of this Agreement. We will notify you of any changes in terms, rates, or fees as required by law. c. Effect of Notice. Any written notice you give us is effective when we receive it. Any written notice we give to you is effective when it is deposited in the U.S. Mail, postage prepaid and addressed to you at your statement mailing address and will be effective whether or not received by you. d. Electronic Notices. If you have agreed to receive notices electronically we may send you notices electronically and discontinue mailing paper notices to you until you notify us that you wish to reinstate receiving paper notices. 21. TAXPAYER IDENTIFICATION NUMBERS AND BACKUP WITHHOLDING. You agree that we may withhold taxes from any dividends or interest earned on your account as required by federal, state or local law or regulations. Your failure to furnish a correct Taxpayer Identification Number ( TIN ) or meet other requirements may result in backup withholding. If your account is subject to backup withholding, we must withhold and pay to the Internal Revenue Service ( IRS ) a percentage of dividends, interest, and certain other payments. If you fail to provide your TIN within a reasonable time we will close your account and return the balance to you, Jess any applicable service fees. 22. STATEMENTS. a. Contents. If we provide a periodic statement for your account, you will receive a periodic statement of transactions and activity on your account during the statement period as required by applicable law. For share draft or checking accounts, you understand and agree that your original draft, when paid, becomes property of the Credit Union and may not be returned to you, but copies may be retained by us or payable through financial institutions and made available upon your request. You understand and agree that statements are made available to you on the date they are mailed to you. You also understand and agree that drafts or copies thereof are made available to you on the date the statement is mailed to you, even if the drafts do not accompany the statement. b. Examination. You are responsible for promptly examining each statement upon receiving it and reporting any irregularities to us. If you fail to report any irregularities such as forged, altered, unauthorized, unsigned, or otherwise fraudulent items drawn on your account, erroneous payments or transactions, or other discrepancies reflected on your statement within a reasonable time of receiving your statement, we will not be responsible for your loss. In addition, we will not be responsible for any such items, payments, transactions, or other discrepancies reflected on your statement if you fail to notify us within thirty-three (33) days of the mailing date of the statement. We also will not be liable for any items that are forged or altered in a manner not detectable by a reasonable person, including the unauthorized use of a facsimile signature machine. c. Notice to the Credit Union. You agree that the Credit Union s retention of drafts does not alter or waive your responsibility to examine your statements or the time limit for notifying us of any errors. The statement will be considered correct for all purposes and we will not be liable for any payment made or charge to your account unless you notify us in writing within the above time limit for notifying us of any errors. The notice must specifically describe the transaction, include photocopies or other images of the relevant items, if returned to you, and: Your account number The dollar amount Our transaction reference, if any. If timely notice is given, we reserve the right to make a final reasonable determination regarding whether and in what amount any adjustment shall be made. If you fail to receive a periodic statement, you agree to notify us within fourteen (14) days of the time you regularly receive a statement. d. Address. If we mail you a statement, we will send it to the last known address shown on our records. If you have requested that we send your statement electronically, we will send it to the last e-mail address shown on our records. 23. INACTIVE ACCOUNTS. If your account falls below any applicable minimum balance and you have not made any transactions over a period specified in our rate sheet(s) and fee schedule(s) during which we have been unable to contact you by regular mail, we may classify your account as inactive or dormant. Unless prohibited by applicable Jaw, we may charge a service fee as set forth on our rate sheet(s) and fee schedule(s) for processing your inactive account. If we impose a fee, we will notify you, as required by law, at your last known address. You authorize us to transfer funds from another account of yours to cover any service fees, if applicable. To the extent allowed by law, we reserve the right to transfer all funds in an inactive or dormant account to an account payable and to suspend any further account statements. If a deposit or withdrawal has not been made on the account and we have had no other sufficient contact with you within the period specified by state Jaw, the account will be presumed to be abandoned. Funds in abandoned accounts will be reported and remitted in accordance with state Jaw. Once funds have been turned over to the state, we have no further liability to you for such funds and if you choose to reclaim such funds, you must apply to the appropriate state agency. 24. TERMINATION OF ACCOUNT. We may terminate your account at any time without prior notice to you or may require you to close your account and apply for a new account. We are not responsible for payment of any draft, transfer or item after your account is terminated; however, if we pay a draft, transfer or other item after termination, you agree to reimburse us for the amount of our payment as well as any applicable fees. You may terminate this Agreement by closing all your accounts. If your account is a dividend or interest-bearing account, any deposit or part of a deposit that we have returned or attempted to return to you upon termination of your account will no longer bear dividends or interest, as applicable. When the account is closed, you will receive the balance left in the account after we have made all appropriate deductions and charges. The termination of this Agreement and the account does not release you from the obligation for payment of accrued fees or liability for any drafts in process. 25. TERMINATION OF MEMBERSHIP. You may terminate your membership by giving us written notice or by withdrawing your minimum required membership share, if any, and closing all your accounts. You may be denied services for causing a loss to the Credit Union or you may be expelled for any reason as allowed by applicable law. 26. DEATH OF ACCOUNT OWNER. If the account is in the name of an individual person or a business that is organized as a sole proprietorship, we may continue to honor all transfer orders, withdrawals, deposits and other transactions on an account until we are notified of the Account Owner s death. Once we are notified of an Account Owner s death, we may pay drafts or honor other payments or transfer orders authorized by the Account Owner for a period of ten (10) days after that date unless we receive instructions from any person claiming an interest in the account to stop payment on the drafts or other items. We may require anyone claiming a deceased Account Owner s account funds to indemnify us for any losses resulting from our honoring that claim. This Agreement will be binding upon any heirs or legal representatives of any Account Owner that is an individual or organized as a sole proprietorship. 27. WAIVER OF RIGHTS. We reserve the right to waive the enforcement of any prov1s1on of this Agreement with respect to any transaction or series of transactions. A waiver of our rights at anytime shall not be deemed to be a waiver of any other rights or a waiver of the same rights at a future time. 28. SEVERABILITY. If a court holds any portion of this Agreement to be invalid or unenforceable, the remainder of this Agreement shall not be invalid or unenforceable and will continue in full force and effect. All headings are intended for reference only and are not to be construed as part of this Agreement. 29. ENFORCEMENT. You are liable to us for any loss, cost or expense we incur resulting from your failure to follow this Agreement. You authorize us to deduct any such loss, costs or expenses from your account without prior notice to you. If we bring a legal action to collect any amount due under or to enforce this Agreement, we shall be entitled, subject to applicable law, to payment of reasonable attorney s fees and costs, including fees on any appeal, bankruptcy proceedings, and any post-judgment collection actions. 30. GOVERNING LAW. This Agreement is governed by the Credit Union s Bylaws, federal laws and regulations, the laws, including applicable principles of contract Jaw, and regulations of the state in which the Credit Union s main office is located, and local clearinghouse rules, as amended from time to time. 31. WAIVER OF TRIAL BY JURY AND AGREEMENT AS TO LOCATION OF LEGAL PROCEEDINGS. As permitted by applicable Jaw, you agree that any legal action regarding this Agreement shall be brought in the county of the Credit Union office where you opened your account. You and we agree to waive any right to trial by jury in any legal proceeding or lawsuit involving the account. 32. NEGATIVE INFORMATION NOTICE. We may report information about your Joan and deposit accounts to credit bureaus. Late payments, missed payments, or other defaults on your accounts may be reflected in your credit report. 33. UNLAWFUL INTERNET GAMBLING AND OTHER ILLEGAL ACTIVITIES. You agree that you are not engaged in unlawful internet gambling or any other illegal activity. You agree that you will not use any of your accounts, access devices or services for unlawful internet gambling or other illegal activities. We may terminate your account relationship if you engage in unlawful internet gambling or other illegal activities. CUNA Mutual Group, 2004, 08, 09, 11, ALL RIGHTS RESERVED KAZX20 (DB1007)-e 28 Vantage West Welcome Packet

FUNDS AVAILABILITY POLICY DISCLOSURE This disclosure describes your ability to withdraw funds at Vantage West Credit Union. It only applies to the availability of funds in transaction accounts. The Credit Union reserves the right to delay the availability of funds deposited to accounts that are not transaction accounts for periods longer than those disclosed in this policy. Please ask us if you have a question about which accounts are affected by this policy. 1. GENERAL POLICY Our policy is to delay the availability of funds from your cash and check or draft deposits. During the delay, you may not withdraw the funds in cash and we will not use the funds to pay checks or drafts that you have written. 2. DETERMINING THE AVAILABILITY OF A DEPOSIT When we delay the availability of a deposit the length of the delay is determined by counting the business days from the day of your deposit. Everyday is a business day except Saturdays, Sundays and federal holidays. If you make a deposit before 4:00 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. However we will consider deposits made after 4:00 p.m. or on a day that we are not open as deposited on the next business day we are open. If you make a deposit to an ATM that we own or operate before 4:00 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. However we will consider deposits to an ATM that we own or operate made after 4:00 p.m. or on a day that we are not open as deposited on the next business day we are open. The length of the delay varies depending on the type of deposit and is explained below. 3. SAME-DAY AVAILABILITY Funds from the following deposits to your account will be available on the same business day we receive the deposit. Electronic direct deposits. U.S. Treasury checks or drafts that are payable to you. Wire transfers. Checks or drafts drawn on Vantage West Credit Union. Traveler s checks. 4. SAME-DAY AVAILABILITY FOR CERTAIN DEPOSITS MADE IN PERSON Funds from the following deposits are available on the same business day we receive your deposit if you make the deposit in person to one of our employees: Cash. State and local government checks or drafts that are payable to you. Cashier s, certified, and teller s checks or drafts that are payable to you. Federal Reserve Bank checks or drafts, Federal Home Loan Bank checks or drafts, and postal money orders, if these items are payable to you. If you do not make your deposit in person to one of our employees (for example, if you mail the deposit}, funds from these deposits will be available by the first business day after the day we receive your deposit. 5. AVAILABILITY OF OTHER CHECK OR DRAFT DEPOSITS The first $200.00 from a deposit of other checks or drafts will be available by the first business day after the day of your deposit. The remaining funds will be available by the second business day after the day of your deposit. For example, if you deposit a check or draft of $700.00 on a Monday, $200.00 of the deposit will be available by Tuesday. The remaining $500.00 will be available by Wednesday. 6. HOLDS ON OTHER FUNDS If we cash a check or draft for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check or draft we cashed would have been available if you had deposited it. If we accept for deposit a check or draft that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately, but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check or draft that you deposited. 7. LONGER DELAYS MAY APPLY We may delay your ability to withdraw funds deposited by check or draft into your account an additional number of days for these reasons: We believe a check or draft you deposit will not be paid. You deposit checks or drafts totaling more than $5,000.00 on any one (1) day. You deposit a check or draft that has been returned unpaid. You have overdrawn your account repeatedly in the last six (6) months. There is an emergency, such as failure of communications or computer equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit. 8. SPECIAL RULES FOR NEW ACCOUNTS If you are a new member, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,000.00 of a day s total deposits of cashier s, certified, teller s, traveler s, and federal, state, and local government checks or drafts will be available on the same business day of your deposit if the deposit meets certain conditions. For example, the checks or drafts must be payable to you. The excess over $5,000.00 will be available on the ninth business day after the day of your deposit. If your deposit of these checks or drafts (other than a U.S. Treasury check or draft) is not made in person to one of our employees, the first $5,000.00 may not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available by the ninth business day after the day of your deposit. 9. DEPOSITS AT ATMS Funds from any deposits (cash or checks or drafts) made at automated teller machines (ATMs) may not be available until the second business day after the date of your deposit. 10. FOREIGN CHECKS OR DRAFTS Checks or drafts drawn on financial institutions located outside the U.S. (foreign checks or drafts) cannot be processed the same as checks or drafts drawn on U.S. financial institutions. Foreign checks or drafts are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks or drafts will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawn. CUNA Mutual Group. 1988, 2007, 09, ALL RIGHTS RESERVED DAZAU7 (11452)-e Vantage West Welcome Packet 29

General Membership PRIVACY POLICY FACTS Why? What? How? WHAT DOES VANTAGE WEST CREDIT UNION DO WITH YOUR PERSONAL INFORMATION? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. The types of personal information we collect and share depend on the product or service you have with us. This information can include: - Social Security number and credit card or other debt - credit history and payment history - transaction history and transaction or loss history All financial companies need to share members personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members personal information; the reasons Vantage West Credit Union chooses to share; and whether you can limit this sharing. Reasons we can share your personal information For our everyday business purposes such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or to report to credit bureaus For our marketing purposes to offer our products and services to you To limit our sharing - Mail the form below Please note: If you are a new member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our member, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. Questions? Call 520.298.7882 or toll-free 800.888.7882 Mail-in Form Mark any/all you want to limit: Do not allow your affiliates to use my personal information to market to me. Name Address City, State, Zip Account # 30 Vantage West Welcome Packet Does Vantage West Credit Union share? Yes Yes Can you limit this sharing? No For joint marketing with other financial companies Yes No For our affiliates everyday business purposes Yes No information about your transactions and experiences For our affiliates everyday business purposes No We don t share information about your creditworthiness For our affiliates to market to you Yes Yes For nonaffiliates to market to you No We don t share Detach and mail form below. Retain Disclosure above for your records. No Mail to: Vantage West Credit Union P.O. Box 15115 Tucson, AZ 85708

WHAT WE DO How does Vantage West Credit Union protect my personal information? How does Vantage West Credit Union collect my personal information? Why can t I limit all sharing? What happens when I limit sharing for an account I hold jointly with someone else? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We collect your personal information, for example, when you open an account or provide employment information apply for financing or give us your wage statements show us your driver s license We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. Federal law gives you the right to limit only sharing for affiliates everyday business purposes information about your creditworthiness affiliates from using your information to market to you sharing for nonaffiliates to market to you State law and individual companies may give you additional rights to limit sharing. Your choices will apply to everyone on your account. DEFINITIONS Affiliates Nonaffiliates Joint Marketing Companies related by common ownership or control. They can be financial and nonfinancial companies. Companies not related by common ownership or control. They can be financial and nonfinancial companies. Vantage West Credit Union does not share with our nonaffiliates so they can market to you. A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include Financial Advisors, Insurance Agencies and Securities Broker Dealer. OTHER IMPORTANT INFORMATION Vantage West Welcome Packet 31

MEMBER CONDUCT POLICY The purpose of this policy is to protect both employees and members of Vantage West Credit Union from disruptive or abusive members. This policy is not enacted to restrict the rights or freedoms of anyone, but rather to address certain unacceptable conduct. The Board of Directors recognizes that Vantage West Credit Union s outstanding reputation is due in large part to the loyalty, commitment and continued efforts of its employees. The Board is committed to treating the employees of Vantage West Credit Union with the respect they deserve and is committed to maintaining a work place free from any type of abuse or disruptive atmosphere. In the event that any member of Vantage West Credit Union shall engage in any type of unacceptable conduct, the President or his designee, on behalf of the Board and in the President or his designee s sole discretion, is hereby authorized to impose sanctions against any member who engages in any type of unacceptable conduct. In that regard, any or all of the following sanctions may be imposed against a member who has engaged in unacceptable conduct: 1. Denial of all services other than the right to maintain a dividend bearing Regular Share Account (RSA) and the right to vote at annual and special meetings. 2. Denial of services which involve personal contact with Vantage West Credit Union employees. 3. Denial of access to Vantage West Credit Union premises. 4. Expulsion from membership. 5. Taking any other action that is not expressly precluded by the Federal Credit Union Act or Vantage West Credit Union s Bylaws. For purposes of this policy, unacceptable conduct includes, but is not limited to, any of the following or similar conduct involving the credit union or on credit union premises: 1. Fraudulent, dishonest or deceptive activity; 2. Posting, defacing or removing notices or signs; 3. Theft of property; 4. Misuse or damage of property; 5. Deliberate or repeated violations of security procedures or safety rules; 6. Possession, use or being under the influence of illegal drugs or alcohol; 7. Possession of weapons of any kind; 8. Immoral or indecent conduct; 9. Harassment, of any kind including sexual, ethnic or racial harassment; making racial or ethnic slurs, engaging in sexual conduct, making sexual overtures, making sexual flirtations, advances or propositions; engaging in verbal abuse of a sexual, racial or ethnic nature; making graphic or degrading comments about an individual; displaying sexually suggestive objects or pictures; engaging in offensive or abusive physical contact; making false, vicious or malicious statements about any employee or the Credit Union and its services, operations, policies, practices, or management; using profane, abusive, intimidating or threatening language toward employees or members; attempting to coerce or interfere with employees in the performance of their duties. 32 Vantage West Welcome Packet

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