Learn more at www.HCCU.coop/Conversion2016.html1424 Walton Way Augusta, GA 30901 | 706.434.1600 | www.HCCU.coop

Member Resource Guide Effective October 1, 2016

Dear Valued Member:

This year marks two very important milestones for Health Center Credit Union; our 40th anniversary serving the financial needs of Augusta University and the Augusta community, and a much anticipated system upgrade to all our electronic processing systems.

The decision to move to our new system takes into account more than two years of due diligence by your Board of Directors and management team. With this upgrade members will have access to im-proved telephone, online and mobile banking, and online bill pay platforms. In addition, you will enjoy new services such as instant issue EMV debit cards, eBills, Popmoney, Card Valet, and Kasasa Rewards Free Checking.

The entire staff has spent several months in training to insure your transition to the new system goes as smoothly as possible. This member resource guide contains an overview of our system upgrade and what you can expect as a member. It is extremely important that you review this information and be-come informed of any changes to your account access or practices.

Although this is a major transition for HCCU, we are dedicated to continuing to serve your financial needs in the most personalized, secure, and efficient way possible. Please contact us with any questions or concerns, and stay tuned to www.HCCU.coop/Conversion2016.html for the most up-to-date upgrade information.

Thank you for your membership. We appreciate the opportunity to help you afford life and continue to work toward your financial goals. We look forward to continuing to assist you in the future.

Sincerely,

Stacy A. TallentPresident & CEOHealth Center Credit Union

Wednesday, September 28• Last day to enroll in Online Banking until the new system comes up October 3rd.

Thursday, September 29• Last day to order Debit Cards or PIN reminders until the new system comes up October 3rd.

Friday, September 30• Branches close on the current system at 6 p.m. • Audio Banking, Mobile Banking, Online Banking, and Bill Pay unavailable after 5 p.m. • Last day for eAlerts on our existing online banking platform.

• Last statement processed on the current system.

• Debit cards move to offline processing.

Saturday, October 1• Evans Branch is closed due to system upgrade.

Sunday, October 2• Data Validation

Monday, October 3• All branches reopen on the new system at our regu- larly scheduled time. • Audio Banking, Mobile Banking, Online Banking, and Bill Pay come back online under the new system. • Debit cards return to normal processing.

• All Online Banking enrollment will need to be completed by close of business on the 28th. Any enrollments after that time will need to wait and enroll in the new system on or after October 3rd.

• If you know your Debit Card is lost or damaged please notify us immediately so the old card number can be blocked & a new card issued. Delays in ordering will create delays in receiving your card, likewise for PIN reminders.

• You will want to complete all cash withdrawals, online banking transactions, mobile transactions, and account transfers prior to 5 p.m.• Your active Bill Pay Payees and recurring payments will transfer to our new Bill Pay platform. However, you may want to consider printing a copy of your payees for your reference. • You will not be able to set up any Bill Pay transactions over the weekend, so if you need to pay a bill online after 5 p.m. on 9/30 consider using the biller’s direct site, if that option is available. • Although debit card access is available, you may want to consider having extra cash on hand or using your HCCU Visa credit card or another major credit card to pay for larger purchases.• Your past eStatements will not be immediately available. It will take several weeks for them to transfer over to the new platform. You may want to print out recent account history and your last few statements from online banking for your reference, as well as any recurring payments, transfers, and eAlerts you have set up.• While Debit cards are in offline processing, you will be able to make purchases, but those purchases will be accepted or declined according to industry stand-in limits which may be different than your actual balance. To avoid any NSF fees, please make sure to have an ac- curate account balance at 5 p.m., and keep a register of any transactions you make.

• Branches, call centers, and all electronic banking sys- tems will be closed. Please be sure to complete any business that can not be handled after October 3rd before close of business on September 30th.

• Data Validation will be conducted by HCCU staff, you will not have system access at this time.

• If you have Online Banking or Bill Pay, you may want to login to the new system to verify your account balances, active Bill Pay Payees, recurring transactions, and famil- iarize yourself with the new system.

System Upgrade Schedule How to Plan Ahead

• Safe Deposit Boxes: ◦ 3x5 - $30 ◦ 3x10 - $50 ◦ 5x10 - $60 ◦ 10x10 - $90

• Outgoing Wires: ◦ Domestic - $25 ◦ International - $55

• Card Replacement Fee: ◦ Debit - $15 ◦ Credit - $15

• Other: ◦ Cashier’s Check - $5 ◦ Verification of Deposit - $10 ◦ Foreign ATM - $1

What Won’t Change?

• Online&MobileBankingloginIDs will remain the same.• BillPayActivePayeeswill be moved over. • Your currentcertificateandloanterms, as well as any paymentdue dates will remain the same.• You will be able to continue using your same checks,debitcards,and creditcards. • Debit Card PersonalIdentificationNumbers(PINs)remain the same.• Your routing and Draft ID number (checking account number) will remain the same, so any directdepositsshouldnotneedtobeupdated. You do not need to contact your employer or any others who currently withdraw or deposit funds into your account. (You may however, notice the account type number has changed in Online Banking. This is an internal suffix change and should not effect you.)• The sameexcellentHCCUmemberserviceandfriendlyfaces you have come to know & love.

Fee Changes (Effective 10/1/16)

Important Login Information

Your current audioPIN for the PAL Voice Response System will not convert over to the new system. You will need to use the last 4 digits of the primary account holders Social Security Number the 1st time you access audio banking on the new system.

Your current Online&MobileBanking passwords will not convert over to the new system. You will need to use your login ID and temporary password (last 4 digits of the primary account holder’s Social Security Number and the 1st 4 letters of their last name, with the 1st letter capitalized (EX:JohnSmithXXX-XX-1234wouldbe1234Smit) the 1st time you access Online Banking on the new system.

Account and Platform Changes:• The member is no longerresponsible for maintaining a minimum balance in the required membership savings account. The required minimum balance that must be held in savings for membership (ParValue) is changingfrom$25to$1, and will now bepaidbythecreditunion. • SavingsandMoneyMarketwithdrawals are moving from 12 free per year to 1freepermonth. If you miss your monthly withdrawal it doesnotcarryover. Any excesswithdrawalswillincura$5fee.

• BillPayintegrationfortheMobileApp will be unavailable for a yet undetermined amount of time. Online Bill Pay will be available.

• You will be able to nameyouraccountsin Online Banking, and those names will upload to HCCU’s Core system. So, when you call in you will be able to ask about the “Rental Account” or “Alaska Savings” instead of giving the account type number.

• Accountsuffixeswillbechanging. A suffix is the number of the account type after your member number used to identify your account. (For Example: If your member number is 1234, your current Share Savings number is 1234-01 and will be- come 1234-1 October 1st. Other suffix changes include; Additional Savings 02 will become 3, Classic Checking 75 will become 130 & 76 will become 131, eChecking 70 will become 110 & 71 will become 111, Fresh Start Checking 60 will be- come 090, New & Used auto Loans will move from 50 through 59 to a 5000 series)

• BillPayItemswillneedtobescheduledbyduedateas opposed to pay (mail) date as they are currently. Remember to schedule your items a few days in advance to allow for mailing.

• VisaSingleSignOninOnlineBankingwillbeunavailableuntil February 2017.

• Your past eStatements will not be immediately available. It will take several weeks for them to transfer over to the new platform.

Changes Effective October 1st

Coming November & December 2016 Account and Platform Changes:• AssociatedLogininOnlineBanking(upon request). That’s right, you will soon be able to sign up and view all the accounts you are associated with under one online banking login.

• You will be able to assignauthorizedusers, with their own credentials, to your OnlineBankingaccount. HCCU will not be setting up these User ID’s, but we will be able to walk you through the process.

• Instant Issue flat image EMV Debit & Credit Cards, with a variety custom images

• Account to Account Transfer (between HCCU accounts, external transfers can be made via Popmoney) New Services:

• Kasasa Free Checking with rewardsbased on ac-count behaviors

• CardValet – You will have the convenience & securityof turning your Debit card“on” and “off” right from your mobile phone. When your card is not in use, just switch it “off”, and rest as-sured use of your card and card number are complete-ly “deactivated”. You will also enjoy the convenience of Real Time Alerts to keep you informed when your card is used or declined; and the ability to set geographic transaction controls, so your card can only be used in specific areas or locations.

• Popmoney - Send, request and receive money securely with just about anyone with an email or mobile number.

• Bill Pay eBills - elec-tronic versions of paper bills. An eBill arrives from a biller into your Bill Pay account service the same way a paper bill arrives from a biller into your mail-box. Bill Pay allows you to view all your eBills and set up email notifications for when a new eBill arrives in your Bill Pay account.