Time to Take a Real Vacation?

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1 July 2016 Time to Take a Real Vacation? Let Aventa help you with your vacation plans with a Home Equity Loan. With low rates, low closing costs and terms up to 25 years now could be the time to finally kick back and relax and have a few days of fun without worries. Whether you stay home and play tourist and explore the local sites or you go someplace, you ll create fond memories, so that years from now when you look at the photos you can relive the memories you created. Is this your most recent vacation? Do you make excuses for not taking a vacation? Not enough time or money? Are you mentally and physically exhausted from everyday routines? Are you constantly on the go with work, kids activities, after school programs? When was the last time you spent quality time with your family, spouse or friends? Isn t it time to take a real vacation? Don't let opportunities to take a vacation slip away. Vacations are healthy and a great way for you and your family or friends to get away from the usual routine. And when you return to your normal routine, you ll have a clear mind and stress free start. Interest may be tax deductible. Consult your tax advisor. All loans subject to approval. Rate, terms and conditions depend on credit qualifications. Equal Housing Opportunity. Federally insured by NCUA. Membership Qualifications Apply. Apply today by calling or Holiday Closures Independence Day Saturday, July 2 and Monday, July 4 Labor Day Monday, September 5 Federally Insured by NCUA Equal Housing Lender Membership Qualifications Apply

2 CABIN FEVER? GET OUT! Insurance Protection for What s Important Do you have cabin fever? Do you want to experience the joys of riding your motorcycle through the mountains? Feel the breeze on your face while you relax on your boat? See the countryside in your RV? Then Aventa has the remedy. Aventa is offering a RV, Motorcycle or Boat Loan with a 5.99% APR*, up to 10 years, up to $120,000. So whether you prefer asphalt under your wheels or smooth waters under your hull, Aventa can help turn your daydreams into reality. Our process is quick and easy, so there s no delay between you and your time in the sun. Hurry! This offer ends July 31st! Apply today by calling or or visiting a branch near you. *Annual Percentage Rate. All loans subject to approval. Rate, terms and conditions depend on qualifications. The maximum loan amount is $120,000 with a maximum term of 10 years. This offer is available for new loans only for RV, Travel Trailer, Boat, and Motorcycles. The offer ends For a RV Loan of $120,000 with a term of 120 months with a 5.99% APR, the monthly payment will be $ Federally insured by NCUA. Must be a member or qualify for membership to receive loan. Aventa has partnered with TruStage insurance products which are only available to credit union members. This means you receive competitive rates, helpful guidance without sales pressure and quality products trusted by Aventa. Regardless of budget, TruStage can help make sure the protection you need makes sense. TruStage offers the TruStage Auto and Home Insurance Program which offers discounts, personalized service and 24/7 claims service. Plus you could save up to $519.52* on car insurance. TruStage also offers life insurance** which is an important part of a financial safety net. It helps provide peace of mind, knowing your loved ones will receive money, when they need it most. To learn more about these products, visit aventa.com or call for your free no-obligation quote. *TruStage Auto & Home Insurance Program is made available through TruStage Insurance Agency, LLC and issued by leading insurance companies. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Discounts are not available in all states and discounts vary by state. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state laws and regulations allow. Please consult your policy or specific coverages and limitations. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union. *Average annual savings based on countrywide survey of new customers from 01/27/2014 to 01/16/2015 who reported their prior insurers premiums when they switched to Liberty Mutual s group auto and home program. Savings do not apply in MA. ** TruStage is the marketing brand for the insurance offered through CMFG Life Insurance Company. The insurance offered is not federally insured or guaranteed or sold by your credit union. Products may not be available in all states. Be sure to understand the complete details of coverage, including any exclusions and limitations.

3 Identity Verification, Out of Wallet Questions, and You As our credit union offers more and more remote and online services, it is becoming increasingly important that we verify your identity to help prevent fraud. We have in the past, relied on our members confirming the last 4 digits of their social, their address, their DOB, etc. but we recently implemented Out of Wallet questions, such as Can you tell me the amount of your last deposit?, Where was the last place you used your debit card?, and What type of loan do you have with us? Out of Wallet questions seek information that cannot be easily found. Information that is not easily accessible to criminals involved in identity theft and is considered another level of protecting your private and sensitive information. Aventa associates are trained to verify your identification before any transactions are completed at the branch or over the phone by asking for a valid photo ID, signature verification, out of wallet questions and more! We remind you to review your accounts on an regular basis and to report any suspicious or fraudulent activity immediately. New Branch Hours Beginning August 1, 2016, we will have new branch hours. They are as follows: Dublin: Cascade: Pueblo: Crestone: Saguache: Center: Mon - Fri: 8:00 a.m. - 6:00 p.m. Sat: 9:00 a.m. -12:00 p.m. Mon - Fri: 8:00 a.m. - 6:00 p.m. Mon, Tues, Thurs, Fri: 8:00 a.m. - 5:30 p.m. Wed: 10:00 a.m. - 5:30p.m. (Closed for Lunch 12:30 p.m. - 1:30 p.m.) (Closed for Lunch 12:00 p.m. - 1:00 p.m.) Contact Center: Mon, Tues, Thurs, Fri: 8:00 a.m. - 5:30 p.m. Wed: 10:00 a.m. - 5:30 p.m. Introducing Checks For Less, Our New Check Vendor! Starting August 1, 2016, Aventa will be partnering with Checks For Less for your check needs. Checks For Less checks come in a variety of designs, can be ordered in as little as 50 checks per order and may save you money over the checks you have been using. The first time you need to reorder checks (after August 1, 2016), you will need to either call Aventa at or or stop by your nearest branch. We will walk you through the process and order your checks for you. After your first order through Checks For Less, you will be able to reorder online at aventa.com. Questions? Give us a call at or

4 We Work to Protect You Aventa is dedicated to protecting your security and account information. We have installed security and intrusion software and firewalls to protect your information. We have taken many precautions to ensure your personal banking information is secure when you use our website or use online/mobile banking including, but not limited to: Encryption Our website homepage is protected using Digicert security. Usernames and Passwords Online Banking requires strong usernames and passwords to protect your account. We recommend you choose passwords that would be difficult for others to guess. Multifactor Authentication Online Banking uses an extra layer of security that asks you to validate yourself by using a username, password and a 4 alpha-numeric randomized code. Secure All you send to Aventa from the website or from within Online Banking is sent securely to protect your sensitive personal information. Phishing and Scams Our security team has systems in place that allow us to monitor suspicious activity. Please remember that Aventa will never ask you for personal account information via or phone. If you have any questions, please give us a call at or Pueblo Boats, Bands and BBQ Festival At Aventa, we strive to build a sense of community in the areas in which we serve, which is why we re a proud sponsor of the 2016 Boats, Bands and BBQ Festival which took place June 10-11, 2016 on the Riverwalk in Pueblo. We had a great time and were happy to see a lot of our members stop by our mobile ATM and our booth for a chance to pay Plinko or spin the prize wheel.

5 Online Bill Pay Upgrade to OneClick Aventa Credit Union is upgrading our Billpay to OneClick to make it even simpler and more convenient. This is a free, automatic upgrade that will not interrupt your service. Your payees, recurring automatic payments, and payment history will transfer over to the new upgrade. Starting August 1, 2016, your online bill pay home page* will be an account dashboard that allows you to monitor payment activity at a glance. From your dashboard you ll be able to: View all payees, upcoming bills, payment history and account balances Quickly add a new payee Make a payment to any person or company in one click Set up recurring payments for bills that are the same each month See bill amounts and payment due dates with ebill If you have any questions, please contact Aventa Credit Union at or *Some features may not be available on mobile bill pay. Crestone Music Festival Aventa is a proud sponsor of the 18th Annual Crestone Music Festival which takes place August 12-14, 2016 in Crestone, Colorado. Crestfest is a three-day, two-stage, multi-genre, multi-cultural event and engages and brings together community through music, the arts, and fun activities including group yoga classes, wood chopping classes, drum circles, kids activities and an array of contests. Headliners this year include: T Sisters, The Fabulous Thunderbirds, and BandàBordel!. Crestfest has grown into a popular mountain festival and one of Colorado s premier summer celebrations and is also a fundraiser for the Youth Enrichment Program which produces diverse educational and cultural presentations in the 35 schools of the 14 San Luis Valley area school districts plus the San Luis Valley Boys & Girls Clubs. Several thousand youth participate each year. For additional information, visit crestfest.org. Aventa associates will be on hand at Crestfest. Please visit our tent, say hello and play a game of Plinko! We will also have our mobile ATM on site in case you need cash.