Saturday, April 25, at Worry Less. Enjoy Life More Sign Up For estatements Today Free Gift!

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1 Vol. 33, No. 2 April, 2015 Worry Less. Enjoy Life More Sign Up For estatements Today Free Gift! Why are you still waiting for your West-Aircomm statements in the mail? You can receive your West-Aircomm monthly or quarterly statements, on the first day of the month, following the end of the statement period by signing up for estatements today! You can sign up for estatements online at westaircomm.com, but first you must be enrolled in our free online banking program called Virtual Branch. If you need assistance, don t hesitate to contact a member service representative at or by at newaccounts@ westaircomm.com. After signing up for estatements, you have your choice of a free gift which is a garden bag or a BBQ set! You then will be automatically entered into a drawing for a Weber Grill on June 18th, For those people with an existing West-Aircomm estatement account don t fret, you will also be automatically entered into the drawing for the Weber Grill. Join Us At West-Aircomm s Annual Meeting On April 25th When Where Cocktails Meeting Dinner Other Info. Reservations Contact 40 Vizio HD Smart TV with Sound Bar Package Saturday, April 25, 2015 Seven Oaks Country Club 5:30 p.m. - 6:30 p.m. 6:30 p.m. - 7:00 p.m. 7:00 p.m. Door Prizes and Piano Player Reservation Form on Page 6 Erin Forrester at THE PACKAGE VALUE IS $600 Must be present to win Mark Your Calendar Today! Saturday, April 25, 2015 See Page 6 for More Information WAC Personal Loan Special, Home Loan Credit Union Updates The Personal Loan Special Application West-Aircomm s Products/Services/Contacts, Withholding Notice, Annual Meeting Reservation Form Apply for The Personal Loan Special 5.99% APR Page 4

2 Vol. 33, No. 2 April, 2015 Beaver Home Office and Branch 485 Buffalo Street Beaver, PA FAX: Lobby Hours Monday, Tuesday, Wednesday, Friday 9:00 a.m. - 4:45 p.m. Thursday, 9:00 a.m. - 6:00 p.m. Saturday, 9:00 a.m. - Noon Drive-Thru Hours Monday Through Friday 8:30 a.m. - 6:00 p.m. Saturday, 9:00 a.m. - Noon Moon Branch 989 Beaver Grade Road Moon Twp., PA FAX: Office and Drive-Thru Hours Monday, Tuesday, Wednesday, Friday 9:00 a.m. - 4:45 p.m. Thursday, 9:00 a.m. - 6:00 p.m. Drive-Thru Only Saturday, 9:00 a.m. - Noon Aliquippa Branch 2015 Main Street Aliquippa, PA FAX: Office and Drive-Thru Hours Monday Through Friday 9:00 a.m. - 4:45 p.m. Board of Directors Phil Pietrandrea, Chairman Larry McDaniels, Vice Chairman Mike Spanik, Treasurer Logan Little, Secretary Dave Hodge, Director Rod Bear, Director Ray Brunner, CEO/Director Dr. Robert Monit, Chairman Supervisory Committee Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. The Personal Loan Special 5.99% APR Back Again! Because of the continued member demand for The Personal Loan Special in the 1st quarter of 2015, West-Aircomm again will offer this special at a below-market interest rate of 5.99% APR through June 30, This is an unsecured loan which normally carries a much higher interest rate then 5.99% APR, because the risk is greater for the lender. This loan is perfect to pay off your high interest debt, which could save you hundreds or even thousands of dollars in interest expense over the life of the debt. Quite honestly, you can use these low cost funds for any good reason including a hard earned vacation! We trust that you will use the money wisely. For your convenience, a postage paid loan application is on page 4 of the newsletter. You can also apply online at westaircomm.com, or at any of the branches. Loan specialist are available to answer all of your questions at or by at loansvisa@ westaircomm.com. APR=Annual Percentage Rate of 5.99% is good through 06/30/15 for all qualified borrowers. There are other rates and terms available. The monthly payment for a $5,000 loan at 5.99% APR with a 5 year term is $ Pay Off Your Mortgage Consolidate Loans WAC Home Loan 3.25% APR West-Aircomm is offering a Home Loan - with a low fixed rate of 3.25% APR for 96 months. Pay off your first mortgage and save thousands of dollars in interest, consolidate your loans, remodel your home, or to use the funds for any good reason! The interest in most cases is tax deductible. The closing costs for this loan are much lower than a conventional mortgage and there aren t any points or prepayment penalties. Plus you can close on your loan in weeks not months! You can apply for this great offer today online at westaircomm.com or at any of our branches. A loan specialist is available to answer all of your questions at Annual percentage rate accurate as of 04/01/2015 could change without notice. The fixed monthly for an 8 year term payment for $10,000 borrowed is $ Owner occupied home required. Property insurance required. Title insurance and appraisal may be required. Documentation fee of $ Subject to WAC s underwriting standards. Other rates and terms available.

3 credit union updates Budget $ense Virtual Branch Users We are offering a free service called Budget $ense! Budget $ense provides you with the tools to help you successfully manage and track your finances. You can create a budget, monitor expenses, and set goals. Budget $ense allows you to track your upcoming bills and income. It also enables you to view all of your accounts in one convenient location. Budget $ense helps you improve your overall financial health! If you are already a Virtual Branch user, simply log into Virtual Branch and click on the Budget $ense tab. If you would like to become a Virtual Branch user, go to westaircomm.com to sign up. You then will be eligible for the tangible benefits of Budget $ense! Upcoming West-Aircomm Holidays Memorial Day Monday, May 25th Observance of Independence Day Friday, July 3rd Independence Day Saturday, July 4th Labor Day Monday, September 7th Columbus Day Monday, October 12th Veteran s Day Wednesday, November 11th Thanksgiving Thursday, November 26th Christmas Eve Thursday, (close at 1:00 p.m.), December 24th Christmas Friday, December 25th Day after Christmas Saturday, December 26th New Year s Eve Thursday, (close at 1:00 p.m.), December 31st Enterprise Car Sale Rates As Low As 1.99% APR April 1-30, 2015 West-Aircomm is again partnering with Enterprise Car Sales for a month long used car event, from April 1st to April 30th. WAC is offering below-market financing for this sale! Qualified borrowers will receive a low rate of 1.99% APR for up to a 60 month term. Visit westaircomm.com to get preapproved for this sale or call us at In addition, Enterprise is giving a $500 added trade-in value! There will be a wide assortment of used cars available for this sale at Enterprises newest location at Rt. 19 in Cranberry Township, at Campbells Run Road located in the Crafton/Robinson Township area, or at their North Versailles location. You can preview a great selection of late-model used vehicles at enterprisecarsales.com/ westaircomm. So if you re in the market for a quality used car backed by Enterprises Perfect Used Car Package and belowmarket WAC financing, you should take advantage of this excellent opportunity. Skip - A - Pay If you currently have a West-Aircomm loan you may qualify for Skip-A-Pay. You can skip your monthly payment for only $30.00 for all titled, personal and savings secured loans. To qualify, your loan must be current without a loan modification, a member in good standing and a loan payment must have been made in the past 45 days. Visit us online at westaircomm.com to sign up for Skip-A-Pay! IRA Beneficiaries Have you had any life changing experiences? You just got married, had a new baby, or an unfortunate loss of a loved one. You may need to update your beneficiaries on your IRA. Please contact our Certified IRA Specialist Reneé Hubbard, at , to update your beneficiaries.

4 The Personal Loan Special Application Individual Credit: You must complete the Applicant section about yourself and the Other section about your spouse if: 1. your spouse will use the account, or 2. you are relying on your spouse s income as a basis for repayment. If you are relying on income from alimony, child support, or separate maintenance, complete the Other section to the extent possible about the person on whose payments you are relying. Joint Credit: Each applicant must individually complete the appropriate section below. If Co-Borrower is spouse of the Applicant, mark the Co-Applicant box. Guarantor: Complete the Other section if you are a guarantor on an account/loan. Check the below to indicate the type of account(s) and type of credit for which you are applying. Individual Joint Amount Requested $ Purpose Account No. APPLICANT OTHER Co-Applicant Spouse Other NAME NAME ACCOUNT NUMBER ACCOUNT NUMBER SOCIAL SECURITY NUMBER DRIVER S LICENSE NUMBER/STATE SOCIAL SECURITY NUMBER DRIVER S LICENSE NUMBER/STATE BIRTH DATE HOME PHONE CELL PHONE BUSINESS PHONE/EXT. BIRTH DATE HOME PHONE CELL PHONE BUSINESS PHONE/EXT. ADDRESS ADDRESS PRESENT ADDRESS (Street - City - State - Zip) OWN RENT PRESENT ADDRESS (Street - City - State - Zip) OWN RENT LENGTH AT RESIDENCE LENGTH AT RESIDENCE MORTGAGE/RENT OWED TO: MORTGAGE/RENT OWED TO: MORTGAGE BALANCE MONTHLY PAYMENT INTEREST RATE MORTGAGE BALANCE MONTHLY PAYMENT INTEREST RATE $ $ % $ $ COMPLETE FOR JOINT CREDIT: COMPLETE FOR JOINT CREDIT: MARRIED SEPARATED UNMARRIED (Single - Divorced - Widowed) MARRIED SEPARATED UNMARRIED (Single - Divorced - Widowed) EMPLOYMENT/INCOME NAME AND ADDRESS OF EMPLOYER EMPLOYMENT/INCOME NAME AND ADDRESS OF EMPLOYER % START DATE NOTICE: ALIMONY, CHILD SUPPORT, OR SEPARATE MAINTENANCE INCOME NEED NOT BE REVEALED IF YOU DO NOT CHOOSE TO HAVE IT CONSIDERED. EMPLOYMENT INCOME OTHER INCOME $ Per $ Per START DATE NOTICE: ALIMONY, CHILD SUPPORT, OR SEPARATE MAINTENANCE INCOME NEED NOT BE REVEALED IF YOU DO NOT CHOOSE TO HAVE IT CONSIDERED. EMPLOYMENT INCOME OTHER INCOME $ Per $ Per NET GROSS SOURCE NET GROSS SOURCE STATE LAW NOTICES OHIO RESIDENTS ONLY: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. SIGNATURES You promise that everything you have stated in this application is correct to the best of your knowledge. If there are any important changes you will notify us in writing immediately. You authorize the Credit Union to obtain credit reports in connection with this application for credit and for any update, increase, renewal, extension, or collection of the credit received. You understand that the Credit Union will rely on the information in this application and your credit report to make its decision. If you request, the Credit Union will tell you the name and address of any credit bureau from which it received a credit report on you. It is a crime to willfully and deliberately provide incomplete or incorrect information in this application. APPLICANT S SIGNATURE DATE OTHER SIGNATURE DATE

5 West-Aircomm s Free Checking FREE ATM/Debit Card FREE Bill Pay FREE Home Banking FREE Check Imaging Surcharge FREE ATM Network FREE Starter Pack of Checks FREE Telephone Banking (FOLD HERE TO MAIL. PLEASE DO NOT CUT.) BUSINESS REPLY MAIL BUSINESS REPLY MAIL FIRST-CLASS MAIL PERMIT NO.160 BEAVER,PA FIRST-CLASS MAIL PERMIT POSTAGE NO. WILL 160BE PAID BEAVER BY ADDRESSEE PA POSTAGE WILL BE PAID BY ADDRESSEE WEST-AIRCOMM WEST-AIRCOMM FEDERAL CREDIT UNION FEDERAL PO CREDIT BOX 568 UNION PO BOX BEAVER 568 PA BEAVER PA (FOLD HERE TO MAIL. PLEASE DO NOT CUT.) Purchase Money and Refinanced Mortgages Available Conventional Fixed Rate, Adjustable, Jumbo and FHA Loans Competitive Rates Including FREE estatements FREE Checks for Seniors 55 and Over FREE Mobile Banking Unlimited Check Writing No Minimum Balance No Monthly Service Charge Overdraft Privilege Apply Online at Westaircomm.com or at any of the Branches NO POSTAGE NECESSARY IF MAILED IN THE UNITED STATES Questions Contact Scott Brunner at (CUT ON DOTTED LINE.) (CUT ON DOTTED LINE.) (TAPE HERE AFTER FOLDING.)

6 LOAN DEPARTMENT WEST-AIRCOMM VISA PLATINUM CREDIT CARD INVESTMENT DEPARTMENT MEMBERS FINANCIAL SERVICES SAVINGS ACCOUNTS / NEW MEMBERSHIP FREE CHECKING ACCOUNT AND VISA DEBIT CARD PRODUCTS / SERVICES / CONTACTS PAYROLL DEDUCTION DIRECT DEPOSIT HOME BANKING / BILL PAY & ESTATEMENTS PERSONAL TELLERLINE (Outside Area Codes 412 & 724) FAX ROUTING/ACH NUMBER TOLL FREE NUMBER (Outside Area Codes 412 & 724) WEBSITE ADDRESS ADDRESSES wacfcu@westaircomm.com loansvisa@westaircomm.com newaccounts@westaircomm.com atmdebit@westaircomm.com Withholding Notice (Form 2317) Payments from your IRA are subject to federal income tax withholding, unless you elect no withholding. You may change your withholding election at any time prior to your receipt of payment. To change your withholding election, complete the appropriate form provided by West- Aircomm. Withholding from IRA payments, when combined with other withholding, may relieve you from payment of estimated income taxes. However, your withholding election does not affect the amount of income tax you pay. You may incur penalties under the estimated tax rules if your withholding and estimated tax payments are insufficient. Contact Certified IRA Specialist Reneé Hubbard, at , for more information. A Special Invitation To Attend West-Aircomm s Annual Meeting April 25, 2015 Seven Oaks Country Club My Name: Home Phone: I would like to make the following reservation(s) to attend the Annual Meeting. Entree Choices are: Oven Roasted Prime Rib of Beef, Baked Cod or Chicken Romano. The cost is $30.00 each. Account Number: Guest s Name: Guest s Name: Guest s Name: Please make check or money order payable to West-Aircomm Federal Credit Union and mail to West-Aircomm Annual Meeting, P.O. Box 568, Beaver, PA Attendees full name(s) required for prize registration. Please indicate dinner choice also.