Better Together. Merger Guide

Transcription

1 Better Together Merger Guide

2 Table of Contents Message from the President/CEO...1 Important Dates & Information...2 General Account Information...3 Checking Accounts...4 Savings Accounts...6 Loans...8 Home Banking, Mobile Banking and Bill Pay...10 Truth-In-Savings Disclosure...14 Fee Schedule...18 Business Rate Schedule...19 Business Fee Schedule...21 Locations...23 Federally Insured by NCUA

3 A Message from our President/CEO On behalf of the Board of Directors, Management, and Staff, welcome to Kinetic Credit Union! We are excited to be joining forces to create an even stronger credit union for you and our members. We were honored to be chosen by your Board of Directors to be the merger partner for MEA Federal Credit Union. MEA has a long history of providing outstanding service to you, its valued member. Kinetic will continue that emphasis on service quality and work hard to provide you with the best financial products and services. We are also excited to become the official credit union for the teachers, educators, and support staff of the various school districts in our community. As Chair of the Muscogee Educators Excellence Foundation (MEEF), I am privileged to see first-hand the amazing job that our teachers do. Kinetic appreciates the important role that educators play in our communities and looks forward to serving their financial needs. All current MEA branches, including Valdosta, will remain open and will be rebranded with the Kinetic name. As you enter the branch lobby to do your transactions, you will still receive the same great service from the smiling faces you are used to seeing. The merger of MEA accounts into Kinetic will take place on May 2. I encourage you to review this special Merger Guide. It provides important information to you so that we can ensure that the account conversion goes as smoothly as possible. Beginning May 2, MEA members will have access to all of Kinetic s branches in Columbus, Phenix City, and Fort Benning. We look forward to completing the merger with MEA. To keep up with the latest information, be sure to visit our website at kineticcu.com. Thank you for allowing Kinetic to serve your financial needs. Janet W. Davis President and CEO 1

4 Important Dates & Information April 29 Replacement Visa Debit Cards Existing cardholders will receive replacement cards for Visa debit in April. You will receive information on activating your card included with the card mailer. April 29 System Conversion Beginning Friday night, April 29, all MEA accounts will begin the conversion to Kinetic accounts. Access to existing MEA accounts will be discontinued, including home banking, mobile banking, and bill pay. Your new Kinetic accounts will be available on May 2. Members may begin enrolling in Kinetic s home banking, mobile banking, and bill pay on May 2. Members should also begin using their new member number and Kinetic s routing number at this time. May 02 New Checks MEA members who have an active checking account and had a check clear in the last year will receive a complimentary box of Kinetic checks prior to April 29 and may begin using them on May 2. May 02 Kinetic Branch and ATM Access Current MEA members can begin using all of Kinetic s existing branches on Monday, May 2. Access to Kinetic ATMs is already available to MEA members at no charge. 2

5 General Account Information Member Number Your new member number will take effect May 2. It will be six digits, begin with a 4, and end with your existing MEA member number. For example: Current MEA Member Number New Kinetic Member Number Direct Deposit Direct deposit will be automatically routed to your new Kinetic accounts on May 2 without any effort on your part. We do recommend that you provide your employer with Kinetic s routing and transit number ( ) and your new member number as soon as possible after May 2. Routing and Transit Number Effective May 2, begin using Kinetic s routing and transit number: Dual Member Numbers If you currently have MEA and Kinetic accounts, your accounts will not be combined upon conversion. You will have separate Kinetic memberships following the merger on May 2. If you wish to combine your accounts into one membership, please visit a Kinetic branch following May 2 or call us at (706) Safe Deposit Boxes Your current MEA box will continue under the current terms until May 1, It will renew at the Kinetic rate on May 1,

6 Checking Accounts Beginning May 2, your current MEA checking account will convert to a Kinetic Rewards Checking account. Your new Rewards Checking account will include the following benefits: Free Online Banking, Bill Pay, edeposit & Mobile Banking Visa Debit Card with Apple Pay ScoreCard Rewards (Debit Card Reward Points) Occasional Overdraft Privilege Service (OOPS!) (Certain Restrictions Apply) Free Use of Kinetic s ATMs No Cost Financial Planning No Minimum Balance Requirement Free Notary Service and Coin Counting Service 24-hour Toll-Free Account Access from your Telephone Worldwide Service Center Network (Access to over 5,000 Credit Union Service Centers) Debit Card Protection with Verified by VISA Kinetic also offers Smart Rate Checking, a high-yield checking account that pays up to 2.00% APY* on balances up to $5,000. This is a free account available to members who use electronic statements and conduct at least 10 debit card transactions per month. Members with Smart Rate Checking also receive two free non-kinetic ATM transactions per month. You may convert your Rewards Checking to Smart Rate Checking beginning May 2. Just call us at (706) or visit any Kinetic branch. *APY = Annual Percentage Yield. For Smart Rate Checking accounts with balances below $5,000.01, to meet the qualifications you must: (1) receive monthly electronic statements and (2) make ten (10) debit card transactions (signature, PIN-based point-of-sale purchases, or online purchases and excludes ATM withdrawals, transfers and deposits) that post and settle your account. 4 Checks Any MEA check written prior to April 29 will be honored for six months. MEA members who have an active checking account and had a check clear in the last year will receive a complimentary box of Kinetic checks prior to April 29 and may begin using them May 2.

7 Checking Accounts Debit Card Existing cardholders will receive replacement cards for Visa debit in April. You will receive information on activating your card included with the card mailer. Automatic Debit Payments Any automatic payments you have set up with your MEA debit card (such as Amazon, utilities, insurance, etc.) should be updated with your new Kinetic debit card on or after May 2 to avoid an interruption in service. Overdraft Priviledge Service Members who currently have courtesy pay through MEA will continue to have this service on May 2. Your new limit will be $800. Kinetic s courtesy pay service is called Occasional Overdraft Privilege Service, also known as OOPS! Members who are currently enrolled for debit card and ATM coverage will continue to be covered. ScoreCard Rewards Your Kinetic debit card will come with ScoreCard Rewards. For every qualifying purchase made using your Kinetic debit card, you earn valuable Bonus Points that may be redeemed for brand-name merchandise and exciting travel! Once you receive and activate your card, register online at ScoreCardRewards.com. The Scorecard points that you have earned using your MEA credit card will carry over to Kinetic. 5

8 Savings Accounts Membership Share Kinetic requires all members to maintain a member share balance of $25 in their regular savings account. Beginning May 2, you will have one year to bring your total member share to $25. Savings Accounts Your current MEA savings accounts will convert to the corresponding Kinetic account on May 2. See page 7. Certificates Your current terms will not change following the accounts conversion on May 2, with the exception of the dates that dividends are paid. On April 30, 2016, you will receive a dividend. Afterwards, dividends will post quarterly. Individual Retirement Account (IRA) Your current IRA account will convert to Kinetic s IRA account on May 1. The MEMBERS Financial Services program can help you create a personal financial blueprint to help you achieve your goals. Contact Landy Thompson MEMBERS Financial Services Representative serving the members of Kinetic Credit Union at , for a no-cost, no-obligation consultation. Landy Thompson MEMBERS Financial Services 6 Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (866) Nondeposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financial services program, to make securities available to members.

9 Savings Accounts MEA (OLD) Regular Shares Youth Shares (Smart Owlic) Special Shares Business Share Holiday Club Classic Checking Senior Checking (Wise One) Business Draft IRA Shares - Traditional Kinetic (NEW) Regular Savings greenkids Savings Special Savings Business Savings Christmas Savings Rewards Checking Business Rewards Checking IRA IRA Shares - Roth Roth IRA 1 12 Month - Share Certificate MEA 12 Month Certificate 24 Month - Share Certificate MEA 24 Month Certificate 36 Month - Share Certificate MEA 36 Month Certificate For additional information, see the Truth-In-Savings Disclosure on page 14 and the Fee Schedule on page 18. 7

10 Loans Payment Address Begin making loan payments to Kinetic on May 2. Please update the payment address to: P.O. Box 9818, Columbus, GA Please also notate your new Kinetic member number on your payment. Online Payments Have your payments automatically drafted from your Kinetic deposit account. You can also make payments using a non-kinetic debit/credit card. Visit the Lending page on our website for more information. Payment Protection If you currently have credit life/credit disability with your MEA loan, your coverage will continue under Kinetic s plan. Auto and Boat Loans Your current loans will continue with the same terms. If you currently have GAP coverage it will also continue as-is. Credit Cards If you have an existing MEA credit card, you will continue to use your current card after the merger. Your current rate and terms will remain the same. The Scorecard points that you have earned using your MEA credit card will carry over to Kinetic. Applying for a Kinetic loan is easy. Choose the way that s convenient for you: Apply online at kineticcu.com Call us at (706) or toll free (877) Visit a Kinetic branch 8

11 Other Consumer Loans and Lines of Credit These loans will continue with the same terms after May 2. Loans Mortgage and Home Equity Loans Mortgages and home equity loans held by MEA will continue with the same terms after May 2. Kinetic Visa Credit Card as low as 7.50% APR* Featuring Beginning May 2, apply at kineticcu.com or call (706) *Annual Percentage Rate is accurate as of April 4, This APR will vary with the market based on the Prime Rate. Your rate is determined by a review of your credit report and other pre-determined credit criteria. 25 day grace period to pay your entire statement balance before a finance charge on purchases will be imposed. There is no grace period for cash advances. 9

12 Home Banking, Mobile Banking and Bill Pay Website All web traffic is currently redirected to Kinetic s website at You are encouraged to visit Kinetic s site to become familiar with the layout and learn more about the variety of products and services. Home Banking (ebranch) MEA s home banking will no longer be available after April 29. Beginning May 2, you will have access to Kinetic s home banking platform called ebranch. To sign up for ebranch, visit Kinetic s website on or after May 2. Follow these simple steps to enroll: STEPS TO ENROLL* 1. Visit our website at kineticcu.com 2. Click the Login to ebranch button in the upper right corner 3. For User ID, put in your new member number. For password, use the last four of your Social Security Number estatements You will no longer have access to MEA electronic statements after April 29. It is highly recommended that you print any historical statements you may need for your records. Beginning May 2, you may sign up for Kinetic s estatements once you are enrolled in ebranch. * If you have a current Kinetic account you don t need to re-enroll. Your MEA accounts will display under your current Kinetic login as soon as possible following the conversion. 10

13 Home Banking, Mobile Banking and Bill Pay Bill Pay MEA s bill pay platform will no longer be available after April 29. Payments scheduled through April 29 will be processed. Any payment scheduled on or after April 30 on MEA s system will not be paid. Following the conversion, you will no longer have access to your payment history. It is highly recommended that you print your bill pay history payee information before April 29 if you need it for your records, as you may need it to set up your payees in ebranch. Beginning May 2, you will need to set up all payees and payments on Kinetic s bill pay platform. You will have access to Kinetic Bill Pay once you enroll in ebranch. Mobile Banking and Mobile App Once you are enrolled in Kinetic s ebranch on May 2 or later, you will have access to Mobile Banking. Follow these simple steps: Set up your ebranch account Download the Kinetic app for your iphone or Android device Login to the Kinetic app with your ebranch user name and password Popmoney Popmoney is available in your Kinetic mobile app and ebranch. It allows you to send money directly to just about anyone, with no need to write a check, exchange account numbers or carry cash. It s similar to PayPal, where you can send money using just an address. Telephone Banking Kinetic offers 24-hour access to your funds via Telephone Banking by calling (706) or (877) To set up Telephone Banking access, use your new member number and the last four digits of your Social Securtiy Number to enroll. 11

14 Beginning May 2, apply online: kineticcu.com or call (706) Also enjoy 0.25% discount on the loan rate of your first Kinetic Auto or Personal Loan** *APR= Annual Percentage Rate. The following rates apply if your secured advance is repaid by payroll deduction: A 24-month term has a rate as low as 1.35% and an estimated monthly payment of $42.26 per $1000 borrowed. A month term has a rate as low as 1.60% and an estimated monthly payment of $28.47 to $40.70 per $1000 borrowed. A month term has a rate as low as 2.10% and an estimated monthly payment of $21.74 to $27.94 per $1000 borrowed. A month term has a rate as low as 2.35% and an estimated monthly payment of $17.69 to $21.43 per $1000 borrowed. A month term has a rate as low as 2.60% and an estimated monthly payment of $14.46 to $17.52 per $1000 borrowed. A month term has a rate as low as 3.10% and an estimated monthly payment of $13.26 to $14.51 per $1000 borrowed. Existing MEA loans don t apply. **The 0.25% discount is available through July 31, 2016.

15 Home Equity Line of Credit Energy for Your Dreams Mortgage Loans from Kinetic Great rates No origination fees Variety of loan programs Special Incentives just for you 0.25% Auto Loan Discount on the loan rate of first Kinetic Auto or Personal Loan Expires July 31, 2016 No closing costs! Plus 10-year draw period! Conventional 15 or 30-year fixed rate Adjustable Rate Mortgages FHA 24/7 access throug home banking No application fee Competitive rates Possible tax deductions (check with your tax advisor) No closing costs 10-year draw period Fixed Rate Loans also available Applying is easy! Apply at kineticcu.com or call (706) VA Construction Loans Refinance Home Equity 0.25% Bonus Rate on Certificate on your first certificate purchase Expires June 30, 2016 Bring the Family Did you know? Once you re a member, your immediate family is eligible to join, regardless of where they live. Refer your friends and family today! Georgia Residential Mortgage Licensee

16 Truth-In-Savings Disclosure EFFECTIVE DATE: April 1,

17 Truth-In-Savings Disclosure Except as specifically described, the following disclosures apply to all of the accounts. All accounts described in this Truth-in-Savings Disclosure are share accounts. 1. RATE INFORMATION The annual percentage yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For Regular Savings, Prime Club Savings, Xtreme Savers (Ages 13-17), Greenkids Savings, Special Savings, Christmas Savings, Tax Savings, Money Market, IRA Savings (Traditional & Roth), Smart Rate Checking, and Rewards Checking accounts, the dividend rate and annual percentage yield may change at any time as determined by the Credit Union s Board of Directors. The dividend rates and annual percentage yields are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period. Money Market, Smart Rate Checking, and Rewards Checking accounts are tiered rate accounts. The balance ranges and corresponding dividend rates and annual percentage yields applicable to each tier are disclosed in the Rate Schedule. For Money Market accounts, once a particular range is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account. For Smart Rate Checking and Rewards Checking accounts, each dividend rate will apply only to that portion of the account balance within each balance range. For Smart Rate Checking accounts with balances below $5,000.01, to meet the qualifications you must: (1) receive monthly electronic statements and (2) make ten (10) debit card transactions (signature, PIN-based point-of-sale purchases, or online purchases and excludes ATM withdrawals, transfers and deposits) that post and settle your account. 2. NATURE OF DIVIDENDS Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. 3. DIVIDEND COMPOUNDING AND CREDITING The compounding and crediting frequency of dividends and the dividend period applicable to each account are stated in the Rate Schedule. The dividend period is the period of time at the end of which an account earns dividend credit. The dividend period begins on the first calendar day of the period and ends on the last calendar day of the period. 15

18 Truth-In-Savings Disclosure 4. ACCRUAL OF DIVIDENDS For all earning accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account. For Regular Savings, Prime Club Savings, Xtreme Savers (Ages 13-17), Greenkids Savings, Special Savings, Christmas Savings, Tax Savings, Money Market, IRA Savings (Traditional & Roth), Smart Rate Checking, and Rewards Checking accounts, if you close your account before accrued dividends are credited, you will not receive the accrued dividends. However, for Christmas Savings and Tax Savings accounts, any accrued dividends will be paid if you close the account within seven (7) days of the date you open it. 5. BALANCE INFORMATION To open any account, you must deposit or already have on deposit the minimum required share(s) in a Regular Savings, Prime Club Savings, or Xtreme Savers account. Some accounts may have additional minimum opening deposit requirements. The minimum balance requirements applicable to each account are set forth in the Rate Schedule. For Regular Savings and Prime Club Savings accounts, there is a minimum daily balance required to avoid a service fee for the dividend period. If the minimum daily balance requirement is not met during each day of the dividend period, you will be charged a service fee as stated in the Fee Schedule. For Regular Savings, Prime Club Savings, Xtreme Savers (Ages 13-17), Greenkids Savings, Special Savings, Christmas Savings, Tax Savings, Money Market, and IRA Savings (Traditional & Roth) accounts, there is a minimum average daily balance required to earn the annual percentage yield disclosed for the dividend period. If the minimum average daily balance requirement is not met, you will not earn the annual percentage yield stated in the Rate Schedule. For accounts using the average daily balance method as stated in the Rate Schedule, dividends are calculated by applying a periodic rate to the average daily balance in the account for the dividend period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.except as specifically described, the following disclosures apply to all of the accounts. All accounts described in this Truth-in-Savings Disclosure are share accounts. 6. ACCOUNT LIMITATIONS For Regular Savings, Prime Club Savings, Xtreme Savers (Ages 13-17), Greenkids Savings, Special Savings, and Money Market accounts, you may make no more than six (6) transfers and withdrawals from your account to another account of yours or to a third party in any month by means of a preauthorized, automatic, or Internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you exceed these limitations, your account may be subject to a fee or be closed. For Christmas Savings accounts, the entire balance will be transferred to another account of yours on or after October 1 and the account will remain open. If you withdraw from your Christmas Savings account, you will be charged a fee as disclosed in the Fee Schedule. However, no fee will be charged if the withdrawal occurs within seven (7) days of the date the account is opened. For Tax Savings accounts, the entire balance will be transferred to another account of yours on or after April 1 and the account will remain open. If you withdraw from your Tax Savings account, you will be charged a fee as disclosed in the Fee Schedule. However, no fee will be charged if the withdrawal occurs within seven (7) days of the date the account is opened. For Prime Club Savings accounts, you must be 50 years or older to open this account. For Xtreme Savers (Ages 13-17) accounts, you must be 13 to 17 years old to open this account. For Greenkids Savings accounts, you must be younger than 13 years of age to open the account. In addition, within one (1) year of opening your account, the balance must be $25.00 or greater to avoid account closure. For Christmas Savings and Tax Savings accounts, For IRA Savings (Traditional & Roth) accounts, you may not make any pre-authorized, automatic or telephone transfers from your account to another account of yours or to a third party at any time. For Next Generation Checking accounts, you must agree to receive monthly electronic statements. if you do not satisfy this requirement, your account will be converted to a Rewards Checking account. For Smart Rate Checking, Rewards Checking, and Basic Checking accounts, no account limitations apply. 16

19 Truth-In-Savings Disclosure 7. FEES FOR OVERDRAWING ACCOUNTS Fees for overdrawing your account may be imposed on each check, draft, item, ATM transaction and one-time debit card transaction (if member has consented to overdraft protection plan for ATM and one-time debit card transactions), preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or paying a check, draft or item. You may consult the Funds Availability Policy Disclosure for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, regardless of whether we pay or return the draft, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approved limit. Please refer to the Fee Schedule for current fee information. For ATM and one-time debit card transactions, you must consent to the Credit Union s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the credit union uses to capture the member s opt-in choice for overdraft protection and the Schedule of Fees and Charges. 8. MEMBERSHIP As a condition of membership, you must purchase and maintain the minimum required share(s) and pay a nonrefundable membership fee as set forth below. Par Value of One Share $25.00 Number of Shares Required 1 Membership Fee $ RATES The rates appearing with this Schedule are accurate as of the effective date indicated on this Truth-in-Savings Disclosure. If you have any questions or require current rate information on your accounts, please call the Credit Union. 10. FEES See separate fee schedule for a listing of fees and charges applicable to your account(s). Federally Insured by NCUA 17

20 Fee Schedule The fees appearing in this Schedule are accurate and effective as of the Effective Date of April 1, If you have any questions or require current fee information on your accounts, please call the Credit Union. Mailing Address and Phone Number Post Office Box 9818 Columbus, GA Phone (706) Federally Insured by NCUA

21 Business Rate Schedule Effective April 1,

22 20 Business Rate Schedule

23 Business Fee Schedule Business Savings Fees Effective April 1, 2016 Business Checking Analysis Fees Fee Business Rewards Checking Business Smart Rate Checking Business Money Market Fees Business Share Certificates Other Account/Service Fees 19 21

24 Business Fee Schedule Electronic Funds Transfer (EFT) Fees Safe Deposit Box Annual Rental Safe Deposit Box Fees 22

25 Locations Effective May 2 13th Center Branch & ATM th Street, Columbus Lobby Hours: Mon-Fri 9:30 a.m. to 5:00 p.m. Drive-Thru Hours: Mon-Thurs 9:00 a.m. to 5:30 p.m. Friday 9:00 a.m. to 6:00 p.m. Bradley Park Branch & ATM 6333 Whitesville Road, Columbus Lobby Hours: Mon-Fri 9:00 a.m. to 5:00 p.m. Drive-Thru Hours: Mon-Fri 9:00 a.m. to 6:00 p.m. Fort Benning Branch & ATM 6579 Eckel Avenue Bldg 2786, Fort Benning Lobby & Drive-Thru Hours: Mon-Fri 9:00 a.m. to 5:00 p.m. Macon Road Branch & ATM 2944 Macon Road, Columbus Lobby Hours: Mon-Fri 9:00 a.m. to 5:00 p.m. Drive-Thru Hours: Mon-Fri 9:00 a.m. to 6:00 p.m. Peachtree Branch & ATM 4811 Bankers Boulevard, Columbus Lobby Hours: Mon-Fri 9:00 a.m. to 5:30 p.m. Saturday 9:00 a.m. to 12:00 p.m. Drive-Thru Hours: Mon-Thurs 9:00 a.m. to 5:30 p.m. Friday 9:00 a.m. to 6:00 p.m. Saturday 9:00 a.m. to 12:00 p.m. Lobby Hours: Mon-Fri 9:00 a.m. to 5:00 p.m. Valdosta Branch & ATM 308 E. Ann Street, Valdosta Drive-Thru Hours: Mon-Fri 9:00 a.m. to 5:00 p.m. North Branch & ATM 7300 Veterans Parkway, Columbus Lobby Hours: Mon-Fri 9:30 a.m. to 5:00 p.m. Saturday 9:00 a.m. to 12:00 p.m. Drive-Thru Hours: Mon-Thurs 9:00 a.m. to 5:30 p.m. Friday 9:00 a.m. to 6:00 p.m. Saturday 9:00 a.m. to 12:00 p.m. Buena Vista Express Service Center Starmount Shopping Center, Columbus Lobby Hours: Mon-Fri 10:30 a.m. to 7:00 p.m. 21 Lobby Hours: Mon-Fri 9:30 a.m. to 5:30 p.m. Saturday 9:00 a.m. to 12:00 p.m. HWY 280 Branch & ATM 3722 HWY 280/431, Phenix City Drive-Thru Hours: Mon-Friday 9:00 a.m. to 6:00 p.m. Saturday 9:00 a.m. to 12:00 p.m. South Lumpkin Service Center & ATM Oakland Plaza Shopping Center, Columbus Lobby Hours: Mon-Fri 9:00 a.m. to 6:00 p.m. Saturday 9:00 a.m. to 12:00 p.m. 23

26 ATM Locations Arches of University Place 3729 Macon Road (Corner of Macon Road and University Avenue) Columbus, GA Blue Cross Blue Shield Blue Cross Blue Shield of GA 1st Floor Break Room Columbus, GA (Accessible by Blue Cross Blue Shield Employees Only) Britt David Shopping Center 2911 Airport Thruway Wal-Mart Parking Lot Columbus, GA Buena Vista Road 1000 Hunt Avenue Winn Dixie Parking Lot (Corner of Hunt Avenue & Buena Vista Road) Columbus, GA Ladonia 3916 US Hwy 80 Ladonia, AL Columbus Government Center th Street Columbus, GA Holly Hills Shopping Center 3846-A Saint Mary s Road Columbus, GA Smiths Station 2338 Lee Road 430 Smiths Station, AL (In front of City Hall) Muscogee County Jail th Street Columbus, GA Phenix Square Shopping Center 1101-A HWY 280 Bypass Phenix City, AL (In front of Big Lots) CSU Lumpkin Center Columbus State University Columbus, GA Gateway Drive 6475 Gateway Road Wal-Mart Parking Lot Columbus, GA Martin Army Hospital 6600 Martin Road Building 9250 Fort Benning, GA Ranger Training Brigade Ranger Training Building 5021 Fort Benning, GA Fort Benning Commissary Building 9230 Marne Road Commissary Main Mall Entrance Fort Benning, GA Custer Road Custer Road Custer Road Shoppette Fort Benning, GA Harmony Church Shoppette 8th Division Road Building 4109 Fort Benning, GA 24

27 Have questions? We are here to help Your Merger Support Team: (706) or (877) To send us a secure , visit: kineticcu.com/forms/ .aspx If you would like a copy of the Kinetic Membership Agreement, choose the way that s convenient for you: Visit the Disclosure tab at the bottom of our homepage at kineticcu.com Call us and we will mail you a copy Visit any full-service branch 25

28 P.O. Box 9818 Columbus, GA