Elevations Credit Union Owner's Manual

A unique communitydeserves a unique place to bank.Here at Elevations, our goal is to provide you a lifetime ofbanking expertise and value. We aren’t about selling youindividual loans or investment products—anyone could dothat. Instead, we strive for a comprehensive approach toyour banking needs, so that the path you’re on today is oneyou’ll still be traveling happily along tomorrow.Shanan and Rich share a passion for life’s simple pleasures — being local farmers,they are helping create a more sustainable, healthful food supply. Members since 2007,they bank at our Longmont Hover branch.

Quick Making it easy is no accident. Let’s get started. Reference Online Banking Mobile Banking Guide. You don’t have to sign up for online banking No matter what type of phone you have, we2 – we’ve done it for you! The first time you log have mobile banking for you including text in, use a desktop computer and enter your banking, mobile website, and iPhone and temporary username and password. Android applications. Here’s how to get started: USERNAME — This is currently your account iPHONE AND ANDROID APPS — Download number. You can change this at anytime within the Elevations Credit Union app with mobile online banking. deposit from the iPhone or Android App Stores for your phone or tablet. PASSWORD — This is currently the account password (or verbal password) you created MOBILE WEBSITE — Visit m.elevationscu.com when you opened your account. You will be from your mobile phone to check account prompted to change your password the first balances and history, schedule transfers and time you log in. more. TEXT BANKING — Set yourself up within online banking. Text commands include:  BAL = primary account balance  BAL ALL = all account balances  LAST = last 5 transactions on primary account  BAL CHK = balances of all checking accounts  BAL SVG = balances of all savings accounts

Bill Pay Direct Deposit Call24 Automated Telephone TellerOnce you’ve logged in to online banking, you’ll ROUTING NUMBERhave access to our free online bill pay. 307074580 You have 24/7 access to your account information by calling 303.449.9999. Call theSimply visit the “Bill Pay” tab within your online EFT ACCOUNT NUMBER Contact Center to get your temporary PIN.banking to get started. Your EFT account number must be 13 digits long. Opening AdditionalFinanceWorks™ Accounts 10 000FinanceWorks is a free, easy-to-use money Opening another account at Elevations ismanagement tool accessed directly in online A B simple. Within online banking, click on thebanking to help your achieve your budget goals. “Open Account” link under the “Product &Simply click on the “account overview” within A — Your 2-digit account suffix. Your suffix can Services” tab. You can also access our onlinethe “Manage Money” section of the online be found on your statements. account application at elevationscu.com.banking homepage. Click on the “Open an Account” link from the B — Your 6 or 7-digit account number. If your website homepage. account number is less than 6 digits, preceed it with zeros (0). Ready to learn more? We’re here to help. | elevationscu.com | 800.429.7626 3

A day has 24 hours.You can do real bankingduring any one of them. You have a busy life.That’s why we offer a variety Kaesi is a man on the move, whether of convenient services to keep you a step ahead. it’s racing his sports car or reaching out Family and work. Hobbies and play.You only have to nonprofits around the world through so much time, and banking is not at the top of Global Reach International. He’s been your list. We understand. And we’re here to help. a member since 2005 and banks at our Boulder Baseline branch.4

Pressed for time shouldn’t mean pressed for solutions.The faster you go,the more you’ll appreciate our anytime access.Online, mobile and tablet It’s all about access. Our You’re never too far frombanking is like everything branches are just the start. home with Elevations.we do. Easy. There are times when coming into a branch is As part of a nationwide, cooperative creditWe’ve taken “banker’s hours” and turned them still the best option, and our friendly staff will union network, Elevations gives you realinto “bank anytime hours.” be glad to help you with all your questions and banking tools wherever you might travel. banking needs.TOTAL ACCOUNT ACCESS — See your 5,000 SHARED BRANCHES NATIONWIDEaccount history, transactions made and pending BRANCHES THROUGHOUT THE FRONT — Elevations is part of the CO-OP network, sotransactions 24 hours a day. RANGE AREA — Conveniently located in the whenever you travel you’ll always see a friendly places you like to shop and live, we’re always face.ONLINE BILL PAY — Faster than the mail with glad to see you!no need for stamps. Click. Paid. Done! 30,000 ATMS NATIONWIDE — You have DEPOSIT FLEXIBILITY — For the times access to more than 30,000 free ATMs throughFAST, SECURE TRANSFERS — Move money you can’t get to a branch, you can still make our association with one of the largest ATMbetween accounts at Elevations or other deposits to your account. Complete a remote networks in America.financial institutions. deposit from the comfort of your home or at an ATM. LOOK FOR THESE LOGOS —SET ALERTS — Customize alerts to stay onestep ahead of your finances. Ready to learn more? We’re here to help. | elevationscu.com/onlinebanking | 800.429.7626 5DEPOSIT CHECKS — Deposit checks with theclick of a button on your iPhone or Android.

Checking with moreaccess and flexibility? Check. Think of the last time you had a completely Jamila loves the outdoors and makes uneventful day, free from errands, bills, grocery it her life’s calling to protect it as an shopping or paying the babysitter.You probably environmental advocate. She’s been a can’t, because in today’s busy lifestyle it seems member since 1998 at our Broomfield you are always moving, always doing. Moving branch. fast isn’t a bad thing, but moving fast and being ready for whatever comes your way is better.6

Each day, you have the choice of either staying ahead of the game, or being left behind.With our useful tools that help you get things done, we’re your first choice for banking.Go far and fast with our Stay connected while you The documents you need,checking options. keep moving. available electronically.From our Free Checking account with its built-in We don’t condone you run any red lights, but The wait for important documents is over.flexibility, to checking that pays dividends, we’ve we do support your love of moving fast and As part of our anytime-access Online Bankinggot you covered. Choose from our three great traveling far. That’s why each of our checking program, we offer eDocuments, it’s the easyaccounts — each available with no monthly fee! accounts include: way to safely view, store and archive vital documents — without the paper waste.FREE CHECKING — This one is all gain with FREE DEBIT CARD — Get access to yourno pain. No monthly balance required, plus no money anywhere you go. eSTATEMENTS — Stay on top of all yourmonthly fee. bank accounts. FREE ONLINE BILL PAY — Easy to set up, easyeSTYLE CHECKING — This is an electronic to pay, no need for stamps. eNOTICES — Get alerts electronicallybased checking account, ideal for people on for courtesy pay, over-the-limit, certificatethe go. maturities and more.DIVIDEND CHECKING — This one pays eTAX DOCUMENTS — Make tax time easierdividends on minimum balances. It’s nice when with better record keeping.your money pays you back, isn’t it? Ready to learn more? We’re here to help. | elevationscu.com/checking | 800.429.7626 7

Deciding to save Joshua was inspired to “save the world can be hard. through soap” and founded Pangea Organics in 2000. He also teaches sustainable living Actually saving and business practices. Member since 2002, shouldn’t be. he banks at our Boulder Diagonal branch. Saving money has always been about looking down the road, deciding where you want to be financially, and then staying the course. Perseverance and vision go hand in hand, but in today’s world full of $5 lattes, high gas prices and other hurdles, it helps to have convenient savings tools that make your job easier.8

With every paycheck you earn, the most powerful saving tool is simply the notion to seta little aside for your future. Our extensive suite of savings tools makes it happen.Bring your future in focus More ways to save means Help your money workwith our savings options. more money for you! harder with certificates.From our secure Traditional Savings, to our When it comes to savings, we’re always If you’ve got a bit of time — and money — ondiverse Money Market accounts, we’re all about thinking. And doing. Check out these savings your hands, here’s a great way to make thelooking forward. options. most of both. Our federally insured certificates offer terms from 3 to 60 months.TRADITIONAL SAVINGS ACCOUNT — This HEALTH SAVINGS ACCOUNTS — For useaccount secures your share in the credit union, with Qualified Medical Expenses, its no annual JUMBO CERTIFICATES — A rate as big as itmaking you an owner. fee, no monthly maintenance fees, and low sounds. Choose from 6 to 60 months. initial startup costs will have you feeling tip-top.MONEY MARKET ACCOUNTS — The higher IRA CERTIFICATES — Make long-termrates you want with full access to your money. INDIVIDUAL RETIREMENT ACCOUNTS — retirement investments. Choose from Traditional and Roth IRAs andOur Money Market accounts are available in cruise toward retirement worry-free. IRAFLEXTIER, SELECT, PREMIER and JUMBO certificate options are also available.savings packages, giving you many rate options. EDUCATIONAL SAVINGS ACCOUNTS — Help secure your children’s future with this high-rate savings option for qualified education expenses. Ready to learn more? We’re here to help. | elevationscu.com/savings | 800.429.7626 9

Buff One Banking. Christy and Ali, CU Students and business Real solutions for majors, bank with us at our Boulder UMC branch. CU Boulder students. People will tell you that college is the best time of your life. But when you’re sitting through seemingly endless classes, cramming for tests and paying for a concert at the BoulderTheater with change scrounged under couch cushions, it starts to feel a little less fun. By giving you the tools to help you stay on top of your finances, it’s just one less thing to worry about.10

You’ll learn things in college that will serve you well the rest of yourlife. We think learning to make the most of your money is one of them.College is about Get an education in Banking accessibility now,free-thinking. And free borrowing without and into your future.checking. getting schooled. With a branch on campus, plus 5,000 sharedWith Buff One Checking, you get the kind It’s a credit-driven world out there, and using branches nationwide, we’re always there whenof freedom you expected from your college it wisely can help you establish a good credit you need us. But we don’t hover, unlike that RAexperience. But there’s tons more: rating that will serve you well throughout your in your dorm … In addition, Buff One Banking adult life. offers you:NO MONTHLY FEE — It’s really free checking,which means no monthly fees just to keep your BUFF ONE VISA — Keep more money in your FREE ATMS ON CAMPUS — Plus 30,000money here. pocket thanks to no annual fee. ATMs nationwide. Roadtrip!FREE BILL PAY — Because stamps and SMART OPTION STUDENT LOAN® BY FREE ONLINE AND MOBILE BANKING —envelopes are like, so 1990s. SALLIE MAE® — Sometimes scholarships and Somewhere between studying for that final federal loans can’t cover all of your expenses. and the quarterly cleaning of your living space,ONE FREE NON-SUFFICIENT FUNDS (NSF) Here’s a way to fill in the gaps. there’s time for paying bills. Now, where’s thatPER YEAR — Hey, overdrafts happen. But like computer?that cool professor who lets you drop your worsttest score, we’ll let you slide. Just this once. MONEY FROM HOME — Asking for money just got easier; parents can directly deposit to your account, or even wire it to you in a pinch. Ready to learn more? We’re here to help. | BuffOneBanking.com | 800.429.7626 11

Buying smart meansborrowing smarter. Our loans are smart money. It’s the lure of something new and shiny to make Marian has always been on the cutting edge, your daily commute a little less ho-hum. Or whether as a hair dresser, snowboarder, classical perhaps it’s that kickin’ new snowboard you’ve ballet dancer, or Elevations member —­­ part of had your eye on for weeks now. It feels good to the Boulder Baseline branch since 2006. get exactly what you want, when you want it. It feels even better to know you’re borrowing from someone you trust.12

Our always-competitive loans mean more money in your pocket. Designed around yourlending needs, our loan options provide flexibility and control. Smart, indeed.New or pre-owned, The fuel you need to reach Credit cards you candrive happy. any destination. count on.When it comes to car buying, it’s about getting Wherever you’re going in life, we can help Let’s face it, the world runs on plastic, but itthe vehicle you want at the lowest price. Our you get there. Whether your goal is a college doesn’t have to run your world. Stay in controlcompetitive rates help you get more vehicle. degree or an overdue vacation, we can help with the great rates and access our Visa cards make it happen. provide.AUTO LOANS — New or pre-owned, it’s allthe same to us. We offer the same low rates PERSONAL LOANS — You can use the funds ELEVATIONS VISA REWARDS — Here’s a cardeither way, giving you more control when from a personal loan for almost anything – from you can feel good about. With no annual fee andcar shopping. Do Subarus come with racing unexpected expenses, a weekend getaway or an attractive rewards program, you can buy withstripes? simply consolidating your debt. Fixed rates and confidence. You’ve earned it! fixed payments make budgeting easy.AUTO BUYING TOOL — Not sure where to ELEVATIONS VISA — Looking for a low-ratestart? Shop for the car you want with our online credit card? Elevations Visa offers low rates andand mobile auto-buying tool. With thousands of no annual fees - so save a little!new, used, and certified pre-owned vehicles,you’ll find the car that matches your style and BUFF ONE VISA — Go Buffs! CU-Boulderbudget, hassle-free. Locate dealerships near students can feel pride in their school andyou to buy your ride, or build your own car and themselves every time they make a purchase.receive quotes from those local dealers. Here’s the one even Econ majors love. Ready to learn more? We’re here to help. | elevationscu.com/loans | 800.429.7626 13

Homes are about feeling safe and secure.So are our home loans. There’s an excitement that comes when Having served over 20 years as a Loveland borrowing for a new home (or taking out equity firefighter, Ned loves relaxing at one of his from your existing one) because it means you’re favorite fishing spots. He’s been banking at close to something you’ve always wanted—like a our Loveland branch since 1988. new kitchen or a wraparound porch with a view. However, it’s easy to get carried away when borrowing, so you can rest assured that we’ll always have your best interests at heart. Loans should work for you, not the other way around.14

Everyone wants a safe place to call home. As your home loan experts, we’ll help steeryou past the obstacles.Mortgage loans with Custom mortgage Put your home’s equity toflexibility and buying loans for your work for other things.power. one-of-a-kind home. Let’s face it, life happens. Unexpected medicalHome ownership is both comforting and We understand that everyone has different bills, tuition, or just wanting to turn your spareliberating—just like our home loan products. needs when buying a home. So whether you’re bedroom into a recording studio. It all takesChoose the option that fits you best. a first-time or experienced homebuyer, we can money, and it might be already hiding under tailor your mortgage for a perfect fit. your roof. Plus, loans may be tax deductible!FIXED RATE — With a competitive fixed rateand a wide array of terms, you have buying FHA — Ideal for first time homebuyers, these FLEXLINE PLUS HOME EQUITY LINEpower and security wrapped up in one. loans are often easier to qualify for. OF CREDIT — choose from variable or fixed rate options.ADJUSTABLE RATE — The lower starting rate JUMBO/NON-CONFORMING LOANS —of an ARM gives you initial buying power. If the loan amount is larger than a conforming  Variable rate option means the rate fluctuates loan, we’ll find an option that fits your needs. with the economy. Gain flexible access byCOMBINATION LOANS (80/10/10) — using your Home Equity Card, transferringCombine a mortgage loan and home equity loan ADDITIONAL MORTGAGE LOAN OPTIONS money to your checking account, orto free up more cash at closing. AVAILABLE — If you have a unique property or requesting checks. situation, we do all we can to open the door to your dreams.  Fixed rate option lets you lock in when you find the rate to your liking, helping you manage your monthly budget. Ready to learn more? We’re here to help. | elevationscu.com/mortgage | 800.429.7626 15

Helping you take Steve has learned to live his passion in both work, asthe mystery out a climate scientist, and at play, as a championship of investing. bicycle racer. His passion for Elevations began in 1987 and he banks at our Boulder Table Mesa branch. Earning a living is hard work. It requires you to focus your energies on just a few specialty areas in order to excel in your field. And unless your expertise is in financial planning, it’s likely you’re better at earning money than knowing how to put a strategy into place that can help you grow wealth over time. Luckily, we’re experienced at doing exactly that.16

The most important investment is the one you make in yourself.That includes taking thetime to think about where you want to be financially, today and tomorrow. We can help.Experience a personal Get the investment advice Learn smart personalinvestment approach. you can trust. investment practices.We’re here for you whether you’ve been planning Our CFS* financial advisors can help you If you’re ready to take the reins on yourfor retirement for years or are just beginning. develop a strategy that fits your individual needs. own investing, we have the resources and knowledge you need.SET UP AN IRA — It is never too early to start FINANCIAL ADVISORS ARE ELEVATIONSputting money aside for your retirement. EMPLOYEES — That means they have your 401K TO IRA ROLLOVERS — If your best interest in mind. employment situation has changed or willEDUCATION PLANNING — Whether you’re change in the future, you may consider rollinglooking to continue your education or want to FREE SEMINARS — Attend any of the multiple over your 401k into an IRA.start saving for your kids — we can help. seminars our financial advisors conduct each quarter on the topics you need to know about. INVESTMENTS — Our wide array of short-LIFE INSURANCE PLANNING & REVIEW — term and long-term investment solutionsLet us answer questions on new or existing life COMPLIMENTARY CONSULTATION — include mutual funds, stocks, bonds andinsurance plans. Mapping out your financial future starts with a other securities. free, face-to-face or over-the-phone consultationTAX EFFICIENT INVESTMENTS — Our with one of our CFS* advisors. ONLINE PORTFOLIO REVIEW — InformationCFS* financial advisors can help you identify about your investments are always just a clickinvestments that are tax efficient in the long run. away with our Member Portfolio View.*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (member FINRA/ Ready to learn more? We’re here to help. | elevationscu.com/investments | 800.429.7626 17SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees orobligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS.Elevations Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.

Your successful business exceeds customer expectations. That’s our goal, too. When you put customers first, good things happen. It frees you up to make decisions based on what’s best for them, and in return your business realizes the benefits that only satisfied customers can bring. Repeat business. Word-of- mouth. Growth. And all because you put people ahead of profits. Just like us. Though he’s traveled the world, Eric ended up at his favorite place — Longmont, where he opened Left Hand Brewing. His favorite place to bank? Our Longmont Hover branch, where he’s18 been a member since 2005.

You make tough business decisions all day long.That’s why we’ve made our businessservices and loans so easy.Get it done right with our Fund real results with our Hit the accelerator withBusiness Accounts. Business Loans. our Business Services.You likely know us for our consumer accounts, The old adage that it takes money to make Effective service requires attention to detail andbut you’ll never forget us for how we help money is certainly true. But, it doesn’t mean a dedication. We took our inspiration from you.you manage your business with our Business you can’t save with smart financing.Account offerings. MERCHANT SERVICES — Efficient, high-tech BUSINESS CREDIT CARD — No annual fee merchant payment processing.CHECKING ACCOUNTS — Choose from and a vibrant rewards program.Basic Business Checking, Business Checking PAYROLL SERVICES — Take the drudgery outor Business Dividend Checking. All accounts COMMERCIAL MORTGAGE, of your payroll and payroll tax compliance.come with a free debit card and free online CONSTRUCTION AND LOT LOANS —banking. For all your commercial real estate needs. EMPLOYEE BENEFITS — Strengthen your Employee Benefit Package by giving yourSAVINGS — You’ll earn dividends and have TERM LOANS AND LINES OF CREDIT — employees access to the same great Elevationsaccess to free online banking. Choose from: Flexible options and terms tailored for service plus: your business. Business Savings Account  Health Savings Accounts (HSAs) Business Certificates EQUIPMENT AND COMMERCIAL VEHICLE  Simplified Employee Pensions (SEPs) Business Money Market Account LOANS — Finance the tools you need to keep your business running smoothly. Ready to learn more? We’re here to help. | elevationscu.com/businessbanking | 800.429.7626 19

We look forward to hearing from you. We never forget this is a people business. And Christine excels at both competitive swimming as people, well, we love to talk. We love hearing and as an HR professional at Dawson School. about your kids, your new home, and how She’s been a member at our Boulder Diagonal that vegetable garden you put in this spring is branch since 2008. coming along. And of course, we always want to hear how we’re doing on your behalf. Don’t be a stranger.20

Have a question or a comment? Need to find us? We’re always here to meet all yourfinancial needs.Being of value means being accessible.We’re always striving for both.Visit elevationscu.com to find answers to any of your questions, 24/7. But we always like to talk inperson, so feel free to contact a Member Service Representative at:CONTACT CENTER TDD FOR HEARING IMPAIRED MOBILE WEBSITEMonday thru Friday – 7:00 a.m. to 7:00 p.m. 303.443.6753 m.elevationscu.comSaturday – 8:00 a.m. to 1:00 p.m.303.443.4672 AUTOMATED PHONE LOCATOR LOST OR STOLEN CARD (24-HOUR)800.429.7626 toll-free FOR CO-OP ATMS 800.543.5073 toll-free 888.SITECOOP (888.748.3266) Overseas call collect 727.570.4881CALL24 AUTOMATED PHONE TELLER(24-HOUR) AUTOMATED PHONE LOCATOR303.449.9999 FOR CU SERVICE CENTERS800.571.6277 toll-free 888.287.9475 Ready to learn more? We’re here to help. | elevationscu.com/contact | 800.429.7626 21

If you love where you live, it matters where you bank. 800.429.7626 | elevationscu.com