May 4, 2026

Dear Member,

We're excited to share some important news about the future of your Credit Union. Our Board of Directors and Leadership Team is proposing a change from a State Charter to a Federal Multiple Common Bond Charter. This change will allow us to better serve our members and community by expanding who can join, keeping fees low, and maximizing flexibility, all while continuing to offer the friendly service and advanced technology you've come to expect.

There will be no change in how you do your banking.
  • We will continue to operate as Alta Vista Credit Union.

  • Your checks and account numbers, as well as your debit and credit cards, will stay the same.

  • Your online and mobile banking will remain unchanged.

  • All our branch locations will remain open.

  • We will update verbiage on legal documents after approval with no disruption in our ability to serve you.

Perhaps the biggest and most exciting change is how new members can join. Our charter will allow members of The Community Impact Fund (CIF) to join our cooperative, so geography is no longer a concern for those who live outside our communities. We will offer complimentary membership to CIF so new and existing members can take advantage of their many benefits, including access to free financial education.

Part of the application process includes a member vote. You may cast your vote by mail, by electronic ballot, or in person at the Special Meeting described below. For members who have not agreed to electronic communication, the completed paper ballots must be returned using the enclosed pre-addressed envelope mailed to you and must be received by CU Ballot Election Processing, PO Box 3156, Dublin, OH 43016, no later than 5:30 PM Pacific Time on May 28, 2026, in order to be counted.

Completed electronic ballots may be submitted at www.AltaVistaCU.org/your-vote/ using your unique Election ID and required authentication credentials. Electronic ballots will be authenticated, received, retained, and tabulated by E-Space Communications and must be submitted no later than 5:30 PM Pacific Time on May 28, 2026, in order to be counted. The electronic voting system will maintain a record of each electronic ballot in a form capable of retention, retrieval, review, and conversion into clearly legible tangible form.

Alternatively, you may cast your vote at a Special Meeting held on May 28, 2026, at 5:30 PM Pacific Time at the Redlands Branch, 1425 W. Lugonia Ave., Redlands, CA 92374.

The number of ballot responses required to meet quorum is 25 voting members. Approval of the conversion requires the affirmative vote of a majority of votes cast, provided the number of votes cast equals or exceeds the quorum requirement. Once tabulation is finished, the results of the vote will be forwarded to the Commissioner of the California Department of Financial Protection and Innovation and the California Secretary of State within ten days of the meeting, in compliance with California Financial Code ยง 15302.

On behalf of our Board and Leadership Team, we're excited and confident that this new direction is in the best interests of all member-owners and internal-owner employees. Thank you for your membership and for continuing to place your trust in us.

As a member-owner, your vote for the charter conversion will help make it possible for us to better serve you. Thank you for your consideration and please vote YES.

We look forward to serving you for many years to come.

Sincerely,