Insider. Winter To the Members of Western Division:

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1 Insider Winter 2018 To the Members of Western Division: As you read this message, I hope you can reflect back on a wonderful holiday season and are looking forward to a prosperous new year. What an eventful year 2017 has been, as we celebrated our 80th anniversary, paid over $800,000 in Patronage Dividends, lowered our VISA Credit Card rate to 9.99% APR for all members (as well as 1% cash back for qualified members), and now offer Military and First Responder discounts on loans. As we change and grow, one thing remains constant: We are a financial partner you can trust. Everything we do is for you, our members. Our goal is to always help our members lead better and fuller lives through the financial products and services we provide. Furthermore, our mission statement focuses on this very goal: To Meet the Financial Needs of our Members. Our employees truly enjoy serving and helping you, as demonstrated with this story. A member recently inquired on our rates for an auto refinance. When reviewing the credit report we noticed that the member s monthly Home Equity payment seemed high, so we asked if she would be interested in finding out if the payment could be lowered. Our lending department determined that our Home Equity Loan could save the member $311 monthly and shorten the term by almost 3 years! The application was submitted and approved, and between the auto refinance and the Home Equity Loan, the member is now saving more than $355 every month! We see examples like this every day throughout our branches and call center. And, I think that is the biggest and best reason to do business with Western Division! It s a new year, which is the perfect time to review personal finances and plan for the year ahead. As with the example above, I hope you will look to Western Division as a trusted partner to help you with that process. Simply call us or stop into a branch for a comprehensive financial review. There is no cost or obligation, just a genuine desire to see how we can help YOU! We know you have choices and are thankful for your support and for continuing to spread the word about your credit union. We have put our members first for 80 years and we will continue to do so for the next 80 years and beyond. Sincerely, Robert Harms President/CEO

2 Presort Standard U.S. Postage PAID Buffalo, NY Permit # 1242 Vehicle Loans 2.49% APR* New, Used, Refinanced or Lease Buy-out No Transfer Fee No Annual Fee No Brainer! 9.99% APR** $500 - $15,000 limit 1% Cash Back on all retail purchases No Annual Fee No Balance Transfer Fee Save on Balance Transfers and Purchases! Stop paying high rates and expensive finance charges on other credit cards! Transfer your high-rate balances to your Western Division credit card and save! Whether you are starting to build your credit history or you re an established card holder, a Western Division credit card offers freedom, flexibility and convenience to suit your lifestyle and spending habits. No Cash Advance Fee 25 day grace period on purchases Zero Liability Fraud Protection Travel Accident & Auto Rental Insurance *APR = Annual Percentage Rate. Vehicle loan rate reflects the lowest rate available on approved credit as determined by the credit-worthiness of each applicant. Other rates, terms, fees or conditions may apply. Current Western Division loans are not eligible for rate refinancing. ** The VISA Credit Card is a variable rate and the APR will vary with the market based on the Prime Rate. The 1% rebate will be credited at each statement cycle to the cardholders account for all net retail purchases. Balance transfers and cash advances are not eligible for the rebate. Other restrictions may apply. Dunkirk Branch 15 West 6th Street, Dunkirk NY Monday Tuesday Wednesday Thursday Friday Saturday 9:00 to 1:00-2:00 to 4:00 9:00 to 1:00-2:00 to 4:00 9:00 to 1:00 - Closed 9:00 to 1:00-2:00 to 6:00 9:00 to 1:00-2:00 to 6:00 Closed Williamsville Branch 6750 Main Street, Williamsville NY Monday Tuesday Wednesday Thursday Friday Saturday 9:00 to 4:00 9:00 to 4:00 9:00 to 4:00 9:00 to 6:00 9:00 to 6:00 9:00 to 12:00 D. Samuel Loquasto Chairperson/Board of Directors Robert Harms President/CEO Denise Ligammare Editor

3 Access Made Easy Western Division offers the convenience of Internet Banking to all of our members. You can receive up-to-the-minute balance information on savings, checking and loan accounts from the convenience of your personal computer, smartphone, tablet or any mobile device. Available 24 hours a day, 365 days a year, means anytime or anywhere, you can pay your bills, check your balance, transfer funds, or even apply for a loan. If you need help getting started, simply call (716) and we will walk you through it. Features Internet Banking Telephone Banking (716) Account Alerts Account Balances Account Statement Account Transfer Apply for a Loan Bill Pay Find ATMs & Branches Interest Rates Loan Payments Request a Check Account to Account Transfers (A2A) Credit Card Payments Surcharge Free ATMs As a Western Division member you have access to over 850 no-surcharge ATMs in WNY and over 55,000 worldwide. You can find Allpoint ATMs at these retailers, and many others: Finding the Allpoint ATM Participating ATM s will have the Allpoint logo displayed on a decal on the front of the ATM. Finding an Allpoint ATM is easy just use our locator on our website or use our Telephone Banking option (716) option 9. New and Improved We are excited to announce the release of our new website coming soon. This updated website will provide mobile friendly viewing, online account applications, streamlined navigation as well as other tools to help you with your financial goals.

4 Finish Your To-Do List with a Home Equity If you re looking to make improvements to increase the value or enjoyment of your home, a home equity loan or line of credit may be just what you need. Use it for anything from remodeling a bathroom to adding a sunroom to replacing windows. A home equity can be a great source to help you finally get your projects done. You can even use it to pay tuition or consolidate debt. Home Equity Loan 4.25% APR* Fixed Rate Terms up to 15 years No Annual Fee No Closing Cost Option Home Equity Line of Credit (LOC) 4.50% APR* Variable Rate Terms up to 15 years No Annual Fee No Closing Costs Option Refinance Your Home Equity and Save If you have a home equity loan or line of credit, chances are you already know that your home can be a good financial resource for you and your wallet. But did you know that refinancing your home equity even if you took it out just a few short years ago could add up to substantial savings? Lowering your home equity rate by even just 1% may not seem like a lot, but it can actually save you hundreds if not thousands of dollars over the life of your loan. You may be able to extend your loan term which can further reduce your monthly payment. You can borrow up to 90% of your home s appraised value and enjoy our no closing cost option along with low rates on both variable and fixed rate products. Give us a call we are here to help. *APR=Annual Percentage Rate. Home Equity Loan is a rate of 4.25% with an APR of 4.77% based upon a $65,000 loan with a term of 60 months. Home Equity LOC is a variable rate and the APR will vary with the market based on the Prime Rate. Prime Rate = 4.50% (December 2017). The APR will not exceed 18.00%. Loan rates reflect the lowest rate available on approved credit as determined by the credit-worthiness of each applicant. Other rates, terms, fees or conditions may apply. Is Your Information Correct? One of the best ways to protect yourself is to make sure your address, address and phone number is correct. Members Using Internet Banking Sign-in to Internet Banking Select Info Center then Personal Information Members Not Using Internet Banking Call (716) Visit a branch location Sign Up For E-Statements Today! It s fast, easy, convenient and secure! It s a FREE Service It s more SECURE Receive your statements days sooner than by U.S. Mail Sign-in to Internet Banking Select My Documents then E-Statements

5 Vehicle Loans APPRovED Why you should finance with us: Same great rate for New, Used, Refinanced or Lease Buy-out Flexible terms up to 84 months No application fees Up to 100% financing No hidden fees and no pre-payment penalties Same day pre-approvals Low-cost warranties and auto protection plans The experience of buying a new or used vehicle will run much smoother when you get your loan with us. Even those 0% financing offers from some car dealers can throw your budget out of alignment. Here s why: A car dealer s special rate may leave you on empty when it comes to negotiating the best price for the vehicle. A larger down payment is usually required to qualify. You may get slapped with pre-payment penalties by paying your loan off early. The loans are often on shorter terms, which mean a higher monthly payment for you. Vehicle Loans* 2.49% APR up to 36 months 2.99% APR up to 60 months 3.49% APR up to 72 months 4.99% APR up to 84 months We can even refinance your vehicle loan from another lender and it could save you hundreds of dollars in interest, plus lower your monthly payment. *APR = Annual Percentage Rate. Loan rates reflect the lowest rate available on approved credit as determined by the credit-worthiness of each applicant. Other rates, terms, fees or conditions may apply. Current Western Division loans are not eligible for rate refinancing. Annual Meeting & Election Notice Wednesday, April 18, 2018 at 5:00 p.m. Western Division FCU, 6750 Main Street, Williamsville, NY Those who became members of Western Division before January 18, 2018 are eligible to vote. This will be a business meeting format. Our agenda includes: Roll Call Minutes of Last Meeting Committee Report s Unfinished Business New Business Elections Members who have business they wish to have recognized at the Annual Meeting must submit their intent in writing postmarked no later than March 9, Mail to: Western Division FCU, 6750 Main Street, Williamsville, NY 14221, Attn: Board Secretary In accordance with Western Division s By-Laws, the election will not be conducted by ballot and there will be no nominations from the floor. The nominating committee will accept nominations for the following positions by petition only: Board of Directors: Three (3) positions available for a three (3) year term Incumbents: Christine Newhouse; Peter Seitz; Robert Harms Members who wish to run by petition must submit their letter of intent, including qualifications and short biographical outline postmarked no later than March 9, Your petition should be signed by no less than 88 members. Mail to: Western Division FCU, 6750 Main Street, Williamsville, NY 14221, Attn: Nominating Committee

6 What s Your Credit Score? Contact any Western Division branch and receive your FREE CREDIT REPORT and review. Member Courtesy Offer call (716) to redeem for a complimentary assessment IRA/401K/403b/457 Plan Advice Retirement Planning Investments Insurance Services (Life & Long Term Care) Your score considers both the positive and negative information in your credit report. It s calculated in 5 categories. The importance of any piece of information depends on the details in your entire credit history such as payments, amounts owed, length of credit history, new credit and types of credit. Let us help you understand your score and how it affects you and your future. MembersAdvisoryGroup,LLC Investment Counsel Williamsville Location: Dunkirk Location: 6750 Main Street 15 West 6th Street Williamsville, NY Dunkirk, NY Disclaimer: Advisory services offered through Members Advisory Group, LLC, an SEC-registered investment adviser. The firm only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser has attained a particular level of skill or ability. The firm is not engaged in the practice of law or accounting. Members Advisory Group and Western Division Federal Credit Union are independently owned. Investments and products recommended are not federally insured, are not obligations of or guaranteed by the credit union, and involve investment risks, including the possible loss of principal. All investment strategies have the potential for profit or loss. $ More Than You Expect.25%.25 A A Gift Gift for for You, your Family or or a a Friend Friend Thank Thank you you for for giving us us the opportunity to to serve serve you you with with your your financing needs. To To show our appreciation for for your your business we we will will take take.25% off our already low rates on on your next next loan!* loan!* For current rates or to apply call call (716) (716) or $ $ Expires: April 1, 2018 *Reduction on any new, used or refinanced vehicle, recreational or personal loan only. Certificate must be present when applying. One loan per Certificate. Rate based on credit-worthiness of applicant. Certificate cannot be used for internal refinances or in conjunction with Enterprise Car Sales promotions. $