Important Information for New Members

Important Information for New Members

Welcome to Vantage West Credit Union! Our Mission: People helping people achieve their financial goals our #1 priority. As a Vantage West member, you now have access to a wide range of financial products and services designed to help meet your financial goals. We are ready to listen to you, and we work hard to ensure we offer you the best financial products and services. Vantage West has a distinguished history of meeting the needs of our membership. Formed in 1955, we have grown and changed with the community and with our members. Today, we continue to build on our great traditions while remaining true to our mission of people helping people. We constantly offer new and innovative products and services, as well as delivery channels that redefine the meaning of convenience for our membership. We will strive every day to treat you with the highest level of service and respect. We know you could choose to conduct your financial business anywhere. We are glad you chose us. Sincerely, Robert D. Ramirez President/CEO

Vantage West Credit Union Products and Services Table of Contents Important Reminders Minimum Balance Overdraft Protection Statements Direct Deposit and Payroll Deduction Savings Accounts Checking Accounts Discretionary Overdraft Privilege eaccounts Loans and Credit Cards Online Banking Mobile Banking PhoneBank Wire Transfers Additional Services Member Education Resources Branch & ATM Locations ATM Non-Branch Locations Shared Branching Page 1 1 1 1 2 2 3 4 5 5 7 8 9 9 9 10 10 11 11

Important Reminders Your Account Number Is: Your Account Share IDs Are: Regular Share: Premium Share: Checking: IRA: Others: Your Account Numbers to use for Direct Deposit are: Regular Share: Premium Share: Checking: Minimum Balance Your $5 par value is not available for withdrawal, payment on a check, Visa debit, or automatic loan payment. Overdraft Protection Your checking account is protected with and/or as your overdraft source(s). It will cover checks and electronic debits, but will not cover in-house loan payments or transfers to other accounts. Statements Go paperless! Sign up for FREE estatements at Vwestcu.org to securely access your account statement online. As soon as it becomes available, we ll send you an email with a link where you can log in to view your estatement. You can also choose to receive paper statements in the mail. Note: Only the name of the primary member will appear in the mailing address for the statements. Joint owners will appear under each ID on the statement. Your checks, if applicable, will arrive within 10 business days. The fee, if applicable, will be drawn from your account. Your plastic card(s), if applicable, will arrive within 10 business days. Your Personal Identification Number (PIN) will arrive within three business days after receipt of your card. You are welcome to change your PIN by bringing your card to any branch. 1

Direct Deposit and Payroll Deduction Electronically deposit your paycheck, benefits check (such as your Social Security Income), tax refund, or other payments directly into your account! Here s the information you will need: For Checking Accounts: Use the numbers on the bottom of your check (see below): For Savings Accounts: Vantage West Routing #: 322174708 Use your Account Number followed by your 2-digit Share ID. Make sure to place enough zeros in front to make a 10-digit number. Example: 00AAAAAASS Leading Zeros Account Number 2-digit Share ID Savings Accounts A Regular Share Account will hold your required $5 par value deposit. This represents your membership share in the credit union. Regular Share No monthly service fee Minimum balance requirement FREE unlimited deposits and withdrawals at any Vantage West ATM Premium Share SM (Money Market) Earns higher dividends than Regular Share on greater balances No monthly service fee Minimum balance requirement FREE unlimited deposits and withdrawals at any Vantage West branch or ATM Write up to 6 checks per month Share Certificates Minimum balance to open Flexible terms available Monthly dividends can be compounded or transferred to another share account Jump-Up Certificates available 2

Individual Retirement Accounts (IRAs) Minimum balance to open Traditional and Roth IRAs IRA Share Certificates available Coverdell Education Savings Account Minimum balance to open For a designated beneficiary under the age of 18 Earnings are tax-free when used for educational expenses Super Saver Club for Kids SM For children thru 12 years old A parent or legal guardian opens the account as a joint owner No monthly service fee Minimum balance requirement Encourages savings with fun rewards Checking Accounts Premium Checking SM FREE ID Theft Resolution Services 1 Minimum balance to open No minimum balance requirement Earns dividends on average daily balances of $3,000 or more NO-FEE Visa Debit Card with Rewards* FREE Online Bill Pay FREE unlimited use of Vantage West ATMs FREE unlimited withdrawals at non-vantage West ATMs 2 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 Official Checks Discretionary Overdraft Privilege of $750 3 Account can be opened online ValuFirst Checking No monthly service fee Minimum balance to open No minimum balance requirement NO-FEE Visa Debit Card with Rewards* FREE Online Bill Pay with Direct Deposit and a Visa Debit Card Discretionary Overdraft Privilege of $500 3 3

Student Advantage Checking No monthly service fee Minimum balance to open No minimum balance requirement NO-FEE Visa Debit Card with Rewards* FREE Online Bill Pay with a Visa Debit Card Discretionary Overdraft Privilege of $100 3 Reliance Checking SM No minimum balance requirement NO-FEE Visa Debit Card with Rewards* FREE Online Bill Pay with Direct Deposit and a Visa Debit Card Unlimited check writing $9.00 monthly service fee Minimum opening deposit of $50 Discretionary Overdraft Privilege of $100 3 *FREE Rewards Programs Purchase Rewards Program Enjoy money-saving offers when you use your Vantage West Visa Debit Card at participating merchants. Simply log in to Online Banking for a listing of exclusive offers from the places you shop most. The savings will automatically be credited to your checking account the following month. Best of all, Purchase Rewards can be used in conjunction with any and all other store sales or coupon offers and ScoreCard. ScoreCard Rewards Program Earn Rewards Points redeemable for gifts, services and travel at ScoreCardRewards.com each time you make a qualifying purchase using your Vantage West Visa Credit or Debit Card. Go to Vwestcu.org for details. 1 ID Theft Services are provided by Identity Theft 911. 2 No Vantage West fees. 3 If an overdraft item is paid through the Discretionary Overdraft Privilege program, a fee will be imposed for each overdraft item. Discretionary Overdraft Privilege is non-contractual and discretionary. Opt in required to cover ATM and debit card transactions. Additional information can be found in the Discretionary Overdraft Privilege Disclosure. Discretionary Overdraft Privilege An added service to valued members in good standing. If you overdraw your checking account, we may pay the overdraft, subject to the limit of your Overdraft Privilege. Avoid the embarrassment of returned items, and the additional expense of paying other merchant fees. Best of all, your reputation and credit are safe. 4

Overdrafts may be covered up to $100, $500 or $750 Overdraft Privilege fee will apply for each item that is paid Overdraft Privilege fee is included in the Overdraft Privilege limit eaccounts Open and manage your accounts with Online Account Opening at Vwestcu.org. esavings eshare Certificate, Premium Share, Regular Share echecking Premium Checking, echecking Loans and Credit Cards Car and Truck Loans Low monthly payments Up to 100% financing Hassle-free refinancing Additional products: MEMBER S CHOICE Guaranteed Asset Protection (GAP Plus) * MEMBER S CHOICE Mechanical Repair Coverage (MRC) * Home Equity Loans Available from $10,000 Primary residence No origination fees No-fee 24-hour advances through Online Banking, Mobile Banking and PhoneBank (Home Equity Line of Credit) Access funds at any branch, through loan drafts, or with a Home Equity Visa Gold Card (Home Equity Line of Credit) Interest may be tax deductible (See your tax advisor) Optional source for Overdraft Protection (Home Equity Line of Credit) Home Mortgages Financing or refinancing on homes Conventional, VA, FHA and Jumbo loans Custom-Fit Mortgages available Visit our Online Mortgage Center at Vwestcu.org for rates, products, and to apply 5

Manufactured Homes Affixed, owner-occupied Available from $10,000 Other Available Loans Motorcycles and Boats Travel Trailers/RVs Classic Vehicles Lines of Credit Share Secured Loans Personal Loans Land Loans Visa Classic, Gold and Platinum Credit Cards No cash advance fee No overdraft transfer fee No balance transfer fee - consolidate your high interest bills! Same low rate for purchases, cash advances and balance transfers Optional source for Overdraft Protection Transfer funds to or from your Visa to other accounts with Online Banking, Mobile Banking and PhoneBank FREE ScoreCard Rewards Program Home Equity Visa Gold Card No cash advance fee Access Home Equity Line of Credit Use anywhere Visa is accepted FREE ScoreCard Rewards Program Vantage West s DebtGuard * A voluntary debt protection program that helps protect your loans, your family, and your credit rating in times of financial stress due to disability, loss of life, or involuntary unemployment Protection Plans Available: Consumer Plan Home Equity Plan Credit Card Plan You buy only enough protection to cover your loan balance Simple eligibility requirements Fast, easy enrollment (for new and existing loans) 6

Apply for a loan 24/7 through LoanLine at 520.751.7045 or 888.349.LOAN (5626), or online at Vwestcu.org. * Your purchase of Vantage West s DebtGuard and MEMBER S CHOICE TM Guaranteed Asset Protection (GAP Plus) are optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of Vantage West s DebtGuard or GAP. If you choose GAP, adding the product fee to your loan amount will increase the cost of GAP. MEMBER S CHOICE Mechanical Repair Coverage is administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is administered by Virginia Surety Company, Inc., and FL, LA, OK and WI, where coverage is administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023). This coverage is made available to you by CUNA Mutual Insurance Agency, Inc., and is insured by Virginia Surety Company, Inc. DPGAP-0213-9EEE Online Banking Provides convenient and secure 24/7 account access, so you can: Obtain up-to-the-minute account balances Conveniently transfer funds: Between your Vantage West accounts To and from your Vantage West accounts and other financial institutions To other people s accounts through Popmoney Set up scheduled transfers Make deposits or loan payments from home with My Deposit Sign up for and access estatements Access money-saving offers with Purchase Rewards on your Visa Debit Card Open eaccounts online (eshare Certificates, echecking and more) Apply for a loan Access Online Live Chat during normal business hours Set up text and email alerts & notifications Access FinanceWorks free financial tracking/budgeting tool Download statements into Microsoft Money or Quicken Access TurboTax for Online Banking (available during the tax season) 1 Pay bills with Online Bill Pay For help signing up for Online Banking, go to: www.vwestcu.org/home/online 1 TurboTax is a registered trademark of Intuit Inc. 7

Mobile Banking Access your accounts anywhere, anytime with FREE Mobile Banking. It s easy, convenient and secure! Stay on top of your finances using your smartphone or other mobile devices. Mobile Apps Download our FREE app for your iphone, ipod touch and ipad from the App Store SM, or from the itunes Store. 1 Download our FREE app for Android from Google Play. 2 With Mobile Apps, you can: Check available balances on all accounts Get account history Transfer funds Pay bills Locate Vantage West ATMs and branches (using iphone, ipod touch, ipad, or Android mobile devices) Text Message Banking Text us and we ll reply with the information you need. You can add a second phone number to your user account, receive balance alerts, transfer funds, and more. Just log in to Online Banking at Vwestcu.org and click on Manage mobile alerts within My Accounts. Text Message Banking Codes Send keywords to 454545 bal primary account balance bal all all account balances last last 5 transactions on primary account bal chk account balance of checking account bal sav account balance of savings account help help on keywords stop cancel the service trans amount transfer funds to primary account (e.g., trans 200 to transfer $200; trans 50.25 to transfer $50.25) Mobile Deposit Deposit checks using your iphone or Android mobile phone. Visit our Mobile Banking page at: www.vwestcu.org/home/online/mobiletext 1 iphone, ipod touch, ipad, App Store and itunes Store are registered trademarks of Apple Inc. 2 Android and Google Play are trademarks of Google Inc. 8

PhoneBank Enjoy convenient and secure access to your Vantage West account with our FREE 24-hour self-service phone system. Call 520.751.7070 or 800.269.7070 For account information, press 1 To apply for a loan, press 2 For our current rates, press 3 If you are calling to report a card lost or stolen, press 4 For merchant verification, press 5 Wire Transfers For your convenience, Vantage West offers domestic and international wire transfers to and from your account with us. Please take note of the information you will need to ensure successful wire transfers: For incoming wires to your Vantage West account, simply provide our complete wiring instructions. Credit: Catalyst Corporate FCU, Plano TX ABA #: 311990511 Further Credit: Vantage West Credit Union Account #: 322174708 Final Credit: Member s Name & Account Number For outgoing wires from your Vantage West account, contact the receiving financial institution for their correct wiring instructions. Additional Services Business Lending and Services Safe Deposit Boxes FREE Notary Service Insurance Planning Investment Services 520.751.7000 or 800.888.7882 (Securities offered through LPL Financial, Member FINRA/ SIPC. Insurance products offered through LPL Financial or its licensed affiliates. Vantage West Credit Union is not a registered broker/dealer nor affiliated with LPL Financial. Investments are not NCUA insured, not guaranteed by the credit union, and may lose value.) 9

Member Education Resources Be sure to visit Vwestcu.org regularly for important articles and updates to help you manage your finances. There you will find a wealth of useful Resources and Security updates, as well as important information on Membership Benefits (see About Us). Learn more about: Your Credit Score and How to Get a FREE Credit Report Common Frauds and Scams, and how to avoid them CUDL AutoSMART an online buying resource, specially designed to help credit union members make informed car-buying decisions Internet Security Fraud Alerts and more! For helpful tips and to learn more about current ID Theft scams, visit Vantage West s Educational ID Theft Center (Powered by Identity Theft 911 ) at Vwestcu-idthefthelp.org Branch & ATM Locations Pima County BROADWAY CATALINA CRAYCROFT DM AIR FORCE BASE (limited access) MARANA (AZ Pavilions) NORTHWEST RITA RANCH SOUTHWEST TANQUE VERDE/SABINO CANYON UNIVERSITY WILMOT Maricopa County 8465 E. Broadway Blvd. 16460 N. Oracle Rd. 2222-4 S. Craycroft Rd. 3320 S. Craycroft Rd., Bldg. 2520 8290 N. Cortaro Rd. 550 W. Magee Rd. 7394 S. Nexus Rd. 3125 E. Valencia Rd. 7163 E. Tanque Verde Rd., Ste. C114 801 E. Speedway Blvd. 1100 N. Wilmot Rd. 32 ND & SHEA 10440 N. 32 nd St. BLACK CANYON (Phoenix) 3416 N. 24 th Ln. Pinal County CASA GRANDE SAN MANUEL 2008 E. Florence Blvd. 141 W. 8 th Ave. For information on branch hours, go to Vwestcu.org. 10

ATM Non-Branch Locations Cash Dispensers - Withdrawals Only Air National Guard 1500 E. Valencia Rd. (limited access) Base Exchange at DMAFB (limited access) Bowling Alley at DMAFB (limited access) Car Care Center at DMAFB (limited access) Commissary at DMAFB (limited access) Shoppette at DMAFB (limited access) St. Joseph s Hospital 350 N. Wilmot Rd. (first floor) St. Mary s Hospital 1601 W. St. Mary s Rd. (first floor) Full-Service ATM UA Campus (in Student Union across from Canyon Cafe & Bistro) Deposit Automation ATMs Deposit cash or checks directly into our Deposit Automation ATMs without using an envelope or deposit slip. It s fast, easy and secure! Deposit up to 50 notes or 30 checks at a time View check images and cash deposits onscreen Check images and cash deposit summaries are printed on the ATM receipt Go to Vwestcu.org for a listing of our Deposit Automation ATMs. Shared Branching For added convenience, Vantage West participates in Shared Branching through the CU Service Centers Network. Shared Branching is an international network that allows you to access your Vantage West accounts at more than 6,800 shared locations. CU Service Centers shared branches and self-service kiosks can be found in Arizona, across the nation, and abroad. Go to any Shared Branching location to make deposits, withdrawals, loan payments and advances, or transfer funds. Just give your credit union name, account number, and a valid government-issued photo ID. To find Shared Branching locations, go to CUSWIRL.com or call 888.CUSWIRL (888.287.9475). 11

Contact Information Corporate Address 2480 N. Arcadia Ave. Tucson, AZ 85712 Mailing Address Vantage West Credit Union P.O. Box 15115 Tucson, AZ 85708 Member Information Center 520.298.7882 or 800.888.7882 Website Vwestcu.org Email Info@Vwestcu.org Telecommunications Device for the Deaf (TDD) 520.733.9453 Some products and services subject to approval. Certain restrictions and fees may apply. Subject to change without notice. For the most current information, go to Vwestcu.org. NMLS# 485751 Powered by Federally Insured by NCUA 5/2013