The Colours of my Community 2016 Calendar Contest

Building Community. One Member at a time. Manitobaville CHEQUING INVESTMENTS MORTGAGE Learn how your community can take part and win $25,000. Page 2 Online Features See how we re making banking easier. Page 3 SAVINGS LINE OF LOANS CARDS #WestobaWonders Spreading sunshine with random acts of wonderfulness in your community! Page 4 FINANCIAL SOLUTIONS THAT SUPPORT YOUR LIFE We re helping members build themselves better rates! And to show how much we value our relationship with you, we re running the Build a Better Rate Contest and giving away cash! Find out how you can win on Page 5. A New Banking System Is On The Way To better serve our members Westoba is switching banking systems, this August long! Page 5 This is your newsletter and we want to know what you think. Send your comments and story suggestions to buildingcommunity@westoba.com. SUMMER 2015

2016 Calendar The Colours of my Community 2016 Calendar Contest What does community mean to you? Show us! This summer we are excited to announce our 2016 calendar contest. To enter The Colours of my Community, youth can submit creative interpretations of their community that are voted for online at Westoba s Facebook page. Youth can participate by following these steps: 1. Between June 15th and August 22nd, pick up an entry form at any Westoba branch, or download it from westoba.com. 2. Colour, craft, draw or design an interpretation of their community. 3. Return their entry form, along with waiver signed by a parent or guardian, by August 22nd, 2015 to any branch, or by mail to: Westoba Credit Union Marketing and Communications Department 220 10th Street, Unit C, Brandon MB, R7A 4E8. 4. The top 20 qualifying entries will be posted to the Westoba Facebook page on August 24th. 5. Voting opens to the public at 9:00 a.m. on August 25th and closes at 5:00 p.m on September 11th. The top four liked entries in each contest category will be declared our winners. 6. Winners will be announced online September 14th, 2015. Full contest rules available at westoba.com. Westoba Credit Union is proud to be a gold sponsor of BellMedia s Manitobaville - a contest showcasing our beautiful province. Manitobaville encourages Manitobans to submit videos about their hometown for a chance to win $25,000 to help fund a community project. The video needs to explain what the community project is and why it is important. The community project can be anything from new businesses, to repairing existing businesses, to building or improving infrastructure like arenas, ball fields, fair grounds, etc. The possibilities are endless! The only criteria are that it benefits the community and is backed by the people who live there. You have until Sunday, August 2nd to submit your video. The top 10 Manitobaville finalists will be revealed Friday, August 7th and then the voting goes live to the public. Whoever receives the most votes during the two-week voting period will be declared the winner on Monday, August 24th. Get your thinking caps on and start brainstorming how your community can take part! Westoba hopes to see all our communities take part in Manitobaville. Visit westoba.com for more details. Age Range Prize Age 6-10... $100 GIC /each x 4 winners Age 11-14... $150 GIC /each x 4 winners Age 15-18... $200 GIC /each x 4 winners Every Student is Different. We have financial solutions to fit your style. westoba.com 1-877-WESTOBA 2

New Online Features Westoba is continuing to provide you with financial solutions to support your lifestyle. Our new website was developed with a focus on making information easy to find, clear and useful. To further help you reach your financial goals, here are some handy tools to help make banking easy: Online Chat. We re giving you another way to talk with us and get answers to questions about our services and products quickly. Every page on our website provides you the ability to start an online conversation with someone from our TeleService Team. Fast, easy and local. We re just a click away! Online TFSA and RRSP Applications. Opening a registered product with Westoba has never been easier. Complete our online TFSA and RRSP applications and start the process from the comfort of your home, or on the go. We re making saving for the FUTURE YOU easy! CARDS RESP SAVINGS MORTGAGE LOANS TFSA YOU CAN WIN $250 TO HELP WITH YOUR NEW ARRIVAL. Visit westoba.com for full contest rules. Take advantage of Universal Child Care Benefit enhancements Last year, the federal government announced an expansion of the Universal Child Care Benefit (UCCB). The UCCB is designed to help families balance costs by supporting their child care choices through direct financial support. The recent expansion results in families receiving increased monthly payments. For each child under six, parents will receive a total UCCB of $160/month per child. This is $60/month more than before. For each child from six to 17 years in age, parents will receive $60/month per child. This is new as previously there was no benefit for this age group. The end result is a $720/year per child increase for families! These enhancements started January 2015, but actual increased payments start in July. Your July payment will consist of your new monthly benefit, plus up to six months of benefits to cover the January to June 2015 period. From August onwards, your payments will reflect the new rates. Let s plan! We want to help you get the most out of this new benefit. Our experienced staff will help you put together a plan to get the most of this extra cash. Some of the options might be: Establishing an Registered Education Savings Plan (RESP) to help you pay for postsecondary studies. A family RESP makes it easy for you to invest for several children. There are additional government grants and learning bonds, which can add up to $9,200 in extra savings! We can help you figure out the best route to optimize your investments and plan for your family s future. Best of all we can set up automatic transfers so it is easy for you, our members. Creating a financial plan with the help of our Wealth Solutions Team. Financial planning for a family is our specialty, and it is never too early or late to take a look at what your goals are. Let s talk and find a solution to fit for your situation! Like us on Facebook! Follow what we re up to in your community! 3

We re spreading sunshine through acts of wonderfulness. Check out Facebook to see how we re making people smile! Freezies for everyone after a Galaxy Sports Soccer game at Kirkcaldy School in Brandon. To see more marching bands, mini cars and Travellers Day Parade fun, visit us on Facebook! Westoba Wonders Coming to a Community Near You! Westoba is spreading some sunshine this summer and doing random acts of wonderfulness or Westoba Wonders in our communities. Watch for us at your kid s soccer game with ice cream, at your work with pie for your coffee break, and in other places in your community making people s day! We ll be posting our Westoba Wonders on our Facebook page and sharing with everyone how we re making people smile! Stay connected and like our Facebook page! another caption here?? Smiles from everyone at Rotary Villas on a Friday Pie Day afternoon. Hello Westoba, I just wanted to pass along a big Thank you from Rotary Villas to your team that came out on Friday. Residents and staff are all still talking today about how much fun it was to have Friday Pie Day. It certainly brightened a lot of people s days! I hope the launch of your campaign (Westoba Wonders) goes well and we would love to see some footage of the day if you have any to share! Thanks again for the pie and good company! Sincerely, Katelyn Rempel General Manager, Rotary Villas at Crocus Gardens 4

BUILD YOURSELF A BETTER RATE. LINE OF FINANCIAL PLAN CARDS CHEQUING RRSP Westoba is helping members build themselves better rates. It s a simple approach we call relationship pricing. We believe that good banking is about putting members first, not sales. Westoba has financial solutions that support your life. We put the pieces together to give you a full package. Life is jam packed with exciting milestones. Whether it s buying your first car (or helping RESP TFSA MORTGAGE LOANS Relationship Pricing FINANCIAL SOLUTIONS THAT SUPPORT YOUR LIFE your kids buy their first car), to purchasing a new home; or welcoming a new family member to your current home Westoba is your trusted partner that celebrates big life events with you. Relationship pricing is built for you, our member, and it all starts with a conversation. Call us at 1-877-WESTOBA or stop by one of our branches to learn more. Build A Better Rate Contest! This summer, Westoba is running the Build a Better Rate Contest to show how much we value our relationship with you. Members who build themselves a better rate through relationship pricing can win $250 cash! Who doesn t need a little extra green stuff to help with summer DIY projects or pay for gas for a boat trip on the lake?! For the months of July and August, there will be 10 winners from a random draw selected! Don t miss your chance to pad your pockets a little. Call 1-877-WESTOBA or visit a branch to start talking about what relationship pricing can do for you! AGM and By-Law Amendment What does this mean for you the member? Our AGM was held Wednesday, April 29th in Brandon. We welcomed just over 100 members, staff, directors and guests. Dennis Herntier, Director for District 3, and Chair of our Governance Committee presented a proposal for a change to the by-laws of Westoba Credit Union which would reduce the number of Districts from eight to three and the number of Directors from 12 to nine. The goal of the amendment was to ensure Board representation effectively covered all our communities including: Winnipeg, Onanole and The Pas. With the proposed by-law amendment, our entire membership will be represented. With our new structure, we will also have the opportunity to draw nominations for Directors from larger areas and groups of people. We believe this will give us a great advantage for Board succession planning. The by-law amendment was voted on and approved by the members present. Moving forward your Board of Directors will be busy working on a plan to reduce the Board from 12 to 9 Directors. Two recent resignations will naturally reduce the number of Directors serving on the Board to ten and a plan to reduce the Board to nine will be drafted and discussed prior to year end. New Westoba Districts as follows: District 1 Brandon / Shilo / Maxa (3 Directors) District 2 Carberry / Souris / Rivers / Onanole The Pas / Glenboro (3 Directors) District 3 Killarney / Ninette / Cartwright Swan Lake / Pilot Mound / La Riviere Bruxelles / Belmont / Winnipeg (3 Directors) A new banking system is on the way! To better serve our members, Westoba Credit Union is switching banking systems. We are very excited about the new system because it will allow us to offer enhanced online services like e-transfers and remote deposit capture. Things members like you have been asking for! The change is taking place over the August long weekend. To make the switch, our branches will be closed on Saturday, August 1st and reopening Tuesday, August 4th. You can still access your accounts through ATMs and debit machines but cash withdrawal limits will be lower than normal. To check what your limits are, call 1-877-WESTOBA or visit any one of our branches. Online banking at CU@HOME and phone banking will be unavailable for most of the weekend but there will be no interruptions to MasterCard services. As the date approaches, we will have more information available at westoba.com. We will keep you in the loop and make sure our transition to a new banking system is as seamless as possible for you, our members. We take pride in providing members with quality service and are committed to ensuring this change has minimal impact on you. 5

Interesting Members Doing Interesting Things Donna Morken awarded the Premier s Volunteer Service Award. Westoba Sponsors John's Excellent Bike Adventure... Our Winnipeg Westoba Team attended CTV s John s Excellent Bike Adventure Kick-off Party on June 1st! This past June, 78-year-old John Wichers embarked on a Western Canadian solo bike tour. This adventure has been on John s Bucket List for many years, and now he is taking on the challenge of a lifetime. Starting June 10th, John biked from Vancouver, British Columbia through the Rocky Mountains and picturesque plains of Alberta and Saskatchewan to his hometown Donna Morken proudly accepts her Volunteer Service Award from Premier Greg Selinger. of Winnipeg, Manitoba in 28 days. And he s done it all for a great cause to help fund 10 bikes for 10 kids living with special needs and disabilities. John believes every child should have the opportunity to ride a bike and enjoy quality outdoor time with family and friends. John s Excellent Bike Adventure helped raise money for the Children s Rehabilitation Foundation in Winnipeg to purchase those specialized bikes. Westoba provided John with a $1,000 wheel sponsorship, which helps provide funding for an accommodated bicycle for a special needs child in Manitoba. If you re interested in learning more about John s adventure and the Children s Rehabilitation Foundation in Winnipeg visit www.crf.mb.ca. This past April, Premier Greg Selinger presented Donna Morken from Rivers with a Premier s Volunteer Service Award. Donna has been involved with Westoba on a number of levels. This includes being a long time member, partnering on community projects and as wife of Westoba Board Director Al Morken. I was very honoured to be nominated and chosen for the award as there are many volunteers across the Province who work to make their communities a better place to live. Donna Morken, Volunteer Service Award Recipient. The Volunteer Service Awards are presented during National Volunteer Week in April. The awards are given to honour the efforts and dedication of outstanding volunteers in Manitoba, and to recognize and encourage the valuable services performed by volunteers. Krista Reynolds, Principal of Supporting New Facility on Killarney Ag Grounds Westoba is excited to be working with the Killarney Agricultural Society and the Municipality of Killarney Turtle Mountain to build a new building on the Killarney Ag Grounds. The grounds are used by lots of different organizations and host many events throughout the year, such as Summer Blast and Fair Days, minor baseball tournaments and Little Irish Downs Harness Racing. New infrastructure will deliver equipment and space for Rivers Elementary School, recognized Donna s commitment to community, her inspiration and leadership to others and nominated her for this award. Donna has been involved with many hometown projects and committees such as the Rivers Train Station Restoration Project, the Riverdale District Health Auxiliary, the Rivers Legion Ladies Auxiliary and currently president of the Rivers & Area Community Foundation. Through Donna s passion for her community, she has obtained funding to assist in the completion of large and small projects and the beautification of the community. Donna Morken s leadership, passion and enthusiasm are characteristics that drive her. She continues to inspire others to get involved and transform the communities they live in. Congratulations Donna on your recent, well deserving, accomplishment! Wally Mitchell (R), Killarney Ag Society and Pat LePoudre (L), Regional Manager Member Solutions, Killarney, Cartwright, Ninette, Belmont a food booth, seating and meeting area, as well as public washrooms and change rooms. Westoba is contributing $2,500 this year and another $2,500 in 2016, for a total of $5,000. We re excited to get behind this project and help bring community together. Contact Us TeleService Representatives available: Monday to Friday 8 am to 8 pm Saturday 8 am to 4 pm westoba.com 1-877-WESTOBA