GO GREEN with DVA FCU

Go Green, Win Green Get a chance to have your bill paid up to $500 when you use Free Online Bill Pay* Why Go Green with Free Online Bill Pay? Checking your accounts online is not only convenient, but you can also signifi cantly reduce waste by managing and paying bills online, save money on postage and reduce the possibility of identity fraud. If every American household used eBills and online bill pay, it could reduce solid waste in U.S. landfi lls by more than 800,000 tons a year and help curb the release of greenhouse gases by 2.1 million tons, according to Javelin Strategy and Research. This could also save an estimated 18.5 million trees a year!

Go Green, Get Green Get $5.00 when you sign up for eStatements** Why Go Green with eStatements? According to Javelin Strategy and Research, if every U.S. household stopped receiving paper bills and statements, 687,000 tons of paper would be saved every year – enough to circle the Earth 239 times. This is the easiest and most widely available way to make an immediate, substantial impact on your carbon footprint and lower your risk of identity fraud.

Go Green, Save Green Get an eSmart Auto Loan*** Save .25% APR off your loan when you finance an EPA SmartWay® certified vehicle. Why Go Green with an eSmart Auto Loan? 159,000: The number of trips to the emergency room attributed to high smog pollution, in addition to 53,000 hospital admissions and 6 million asthma attacks. There are now hybrids to match almost any need: two-door, four-door, SUV, luxury sedan. They get better mileage than their conventional counterparts, have cleaner emissions, and save money on gas. In the U.S., about 20 percent of all greenhouse gas emissions come from cars and light trucks like SUVs, contributing to climate change, air pollution, and disease.

*Go Green Online Bill Payment Contest Disclosure: No purchase necessary. Contest begins September 1, 2010, and ends October 31, 2010. You will automatically be entered into the contest when you make an online bill payment through DVA FCU home banking system. Members are limited to one entry per online bill payment during Contest Period. Entries must be received no later than midnight (EST) on October 31, 2010, the contest end date. Members must be 18 years old or older to participate. A maximum prize of $500 will be awarded to one member per branch (Central Office, Tech World, Philadelphia, Brooklyn, Ft. Hamilton, Albany branches included. Members assigned to G Street will be grouped with Central Office branch. Members assigned to St. Albans branch will be assigned to Brooklyn branch.) A total of 6 prizes will be awarded. DVA Federal Credit Union reserves the right to substitute another prize of equivalent kind and value if the prize described above becomes unavailable for any reason whatsoever. Prize must be accepted as awarded, has no cash equivalent, is not transferable and cannot be substituted, exchanged or extended. By participating, Contestants agree to be bound by these Official Rules and the decisions of Sponsor which shall be final in all respects. The random drawing will be held within 30 days of the contest end date from all qualifying entries. Chances of winning are dependent upon the number of entries. Winner will be notified within 30 days of drawing. Winners must be members in good standing. Winners are solely responsible for reporting and payment of any taxes on prizes. All decisions of the judges with respect to all aspects of the contest are final. Employees and volunteers of DVA Federal Credit Union are not eligible. For a list of winners mail: Go Green Online Bill Payment Promotion, DVA Federal Credit Union PO 50617, Washington, DC 20091. All federal, state, local and municipal laws and regulations apply. Void where prohibited. To sign up for bill payment member must be enrolled in home banking. Member must fill out application to enroll in home banking and bill payment. Application processing time could take up to one week. Members must be 18 years old or older to participate. If you desire to enter the contest other than through making online bill payments, or as an online bill payer you desire additional entries, print your name, address, telephone number, and the name of the financial institution advertising the sweepstakes to you on a 3x5 card. Send the card to Go Green Online Bill Payment Promotion, DVA Federal Credit Union PO 50617, Washington, DC 20091. Entry must be postmarked by October 31, 2010. **Go Green eStatements Disclosure: Sign up for eStatements and your primary share account will be credited $5.00 one-time. Offer only good for new eStatement accounts only. Members must sign up for eStatements during offer period, September 1, 2010 through October 31, 2010. Member must have FREE DVA FCU home banking to view eStatements. DVA Federal Credit Union reserves the right to end this offer at any time. Offer subject to change without notice. ***Green Auto Loan Disclosure: For  ualified borrowers. Membership required to borrow. To become a member at DVA FCU individual must qualify for membership and open a share account with $5.00. Some restrictions apply. You must be a member in good standing, including share accounts. APR= Annual Percentage Rate. All credit union rates and terms are based upon the evaluation of applicant(s) credit. Payment example: $15,000 at 3.99% APR =~ $338.74 for 48 months. Final rate cannot be lower than the floor rate of 3.25%. SmartWay® is a designation of the Environmental Protection Agency (EPA) for vehicles that are good environmental performers. Your rate discount is based on your vehicle’s EPA designation at the time your loan is approved. To see if a vehicle qualifies visit the DVA FCU website or branch. Promotion is for loans financed after September 1, 2010. This credit union is federally insured by the National Credit Union Administration.