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ACCOUNT FEATURES MOBILE BANKING Safe secure and convenient banking from your mobile device Features include 24 7 access to your bank accounts Deposit Checks Transfer money between accounts Text alerts Send or receive money with Zelle WVBK VISA DEBIT CARD Make purchases from your checking account without writing a check Your Willamette Valley Bank Visa card is also your ATM card with no annual or monthly fees The Visa Debit Card provides convenience and access coast to coast Use your Visa Debit Card at any ATM to access your funds ATM fee and surcharges are waived5 5 Foreign fees may still apply Your Local Bank S A L EM 101 High Street NE Salem OR 97301 503 485 2222 Anytime Anywhere ALL YOUR WVBK CARDS IN ONE PLACE A L BA NY 1970 14th Avenue SE Albany OR 97322 541 926 6555 Card Valet is our complimentary mobile app that lets you control how when and where your card can be used CREDIT HEALTH AT A GLANCE KEI ZER 5140 River Road N Keizer OR 97303 503 393 0757 A comprehensive program that helps customers monitor their credit scores Credit Sense allows you to see your report at any time with no cost MONEY TALKS AND TEXTS AND EMAILS With Notifi staying on track with your finances has never been simpler Receive alerts for security transactions and account balance through mobile text or email notifications S I L V ERTON 701A McClaine Street Silverton OR 97381 503 873 3449 THIS IS HOW MONEY MOVES M ERI DI A N S ERV I CE CENTER 3693 E Longwing Ln 120 H Meridian ID 83646 208 991 9997 With Zelle you can send or receive money in minutes with friends family and businesses you trust even if they have different banks At no cost to our customers and available at 80 of all financial institutions it one of the most accepted person to person electronic payment methods available today WV BK COM We re local so you don t have to be With WVBK Live you can now handle most of your financial business from anywhere Through private video chat speak directly with the same bank staff you know and trust from wherever you are WVBK Mobile Scan the QR Code with your phone s camera to download the mobile app Get started online at wvbk com PERSONAL BANKING Transactions typically occur in minutes when the recipient s email address or U S mobile number is already enrolled with Zelle According to Zellepay com

PERSONAL PLANS FOR THE WAY YOU LIKE TO BANK Minimum Balance to Open Account Minimum Balance to Avoid Service Charge Willamette Checking Willamette Interest Checking Willamette Gold Checking Personal Savings Personal Money Market Oregon First Time Homebuyer Savings Idaho First Time Homebuyer Savings 100 100 100 100 100 100 100 200 Minimum Daily Balance1 N A 55 Older N A N A N A N A N A HOME AND COMMERCIAL LOANS Willamette Valley Bank provides a full range of residential and commercial mortgage products Conventional FHA VA USDA Jumbo Construction Fund Fix Homestyle Renovation Commercial Real Estate Payment Assistance Programs CERTIFICATE OF DEPOSIT Flexible terms from 90 days to 60 months Average Balance to Avoid Service Charge N A 1 500 Average Daily Balance or 5 000 combined balances of all checking savings and CDs Contact us for current rates annual percentage yields and terms N A 200 Minimum Daily Balance1 1 000 Minimum Daily Balance 1 N A N A If you are a student or a minor this is the account for you 4 Monthly Service Charge 7 00 10 00 N A 3 00 10 00 N A N A Account Earns Interest N A Yes Rate Annual Percentage Yield Subject to Change Yes Rate Annual Percentage Yield Subject to Change Yes Rate Annual Percentage Yield Subject to Change Yes Rate Annual Percentage Yield Subject to Change N A N A N A OR State tax deductions maximum of 5 000 single and 10 000 married See tax advisor ID State tax deductions maximum of 15 000 single and 30 000 married Deposits cannot exceed 100 000 See tax advisor Additional Features Check Imaging is available for a fee3 No Fee Cashier s Checks N A Overdraft Protection from savings is available2 Check Imaging is available for a fee3 N A There is no minimum opening balance and no monthly service charges A great starter account for learning the importance of saving money INDIVIDUAL RETIREMENT ACCOUNT Complimentary Checks one box per order Overdraft Protection from savings is available1 STUDENT MINOR SAVINGS We offer Individual Retirement Accounts IRA including Roth Traditional and our Simplified Employee Pension SEP IRA Available as a money market account or Certificate of Deposit with corresponding rates and terms SAFE DEPOSIT BOXES We have box sizes varying from 3 x5 to 10 x10 Please call the branch nearest you for availability 1 Federal regulations require banks to limit the way withdrawals may be made from a savings account and market interest account Pre authorized withdrawals transfers by phone wire or PC overdraft protection automatic payments or checks are limited to a combination of six 6 per statement cycle There is no regulatory limit to the number of withdrawals made in person or at an ATM however you may be subject to excessive withdrawal fees 2 Transaction fees apply 3 Refer to the Miscellaneous Fee schedule 4 Current student ID required to qualify for account WVBK is not acting on behalf of or at the direction of FHA VA or the Federal government