WE RE GLAD YOU RE HERE!

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1 WE RE GLAD YOU RE HERE! Your New Georgia United inmation

2 CHECKING Online & Mobile account options fer Access and Convenience services that are simple, convenient and set us apart have have from a a wide wide other variety variety financial institutions. options options As a valued every every member, stage stage life. you life. have fer fer 24/7 access Overdraft Protection and Courtesy Pay to protect your payments from Overdraft to your account Protection via Online and Courtesy Banking, Pay Mobile to protect Banking your and payments Mobile from Deposit. insufficient insufficient funds, access to VISA Debit Cards, E-Statements and free direct funds, access to VISA Debit Cards, E-Statements and free direct deposit. deposit. You will need Additionally, to as enroll part in Online our Banking. efts to Please ensure follow your the account simple instructions security, each Additionally, as part our efts to ensure your account security, each below. account features free identity theft account features free identity theft protection! protection! A few our products A few our products include: include: Enrolling in Online Banking Please visit our website georgiaunitedcu.org Free Click Not Registered Our Complete most popular the required account fields is free ( when you Number, sign up Last 4 direct SSN, deposit Date or Birth) Our most popular account is free when you sign up direct deposit or E-Statements. Type YES to Please Accept sign-up the Terms E-Statements Service within 90 days to avoid a E-Statements. Please sign-up E-Statements within 90 days to avoid a $5 $5 monthly You will service then be charge. prompted to create three challenge questions, set up your monthly No service monthly charge. security phrase, service fees and or minimum choose a balance security requirement image (direct deposit or E-Statement required No monthly free service fees or minimum balance requirement (direct deposit or E-Statement required Congrats! ) Your enrollment in Online Banking is complete free ) Unlimited check writing, withdrawals and transactions allowed per month Unlimited check writing, withdrawals and transactions allowed per month Free unlimited Online Bill Pay (direct deposit or E-Statement required free Online Bill Pay) Free unlimited Online Bill Pay (direct deposit or E-Statement required free Online Bill Pay) Thrifty using mobile Banking Don t Bee have getting many started with transactions Mobile Banking, each month? you will Then need our to convenient register Thrifty Online Don t have many transactions each month? Then our convenient Thrifty Banking. Please may review be the Online option Banking you! For registration $2.50 per instructions month you above get may be the option you! For $2.50 per month you get checks Download (or transactions), our free app with from an itunes additional or Google service Play charge 30 per-item checks (or transactions), with an additional service charge 30 per-item over over No minimum balance requirement No minimum balance requirement First 20 checks/withdrawals included (additional service charge applies per check/withdrawal in First 20 checks/withdrawals excess included (additional service charge applies per check/withdrawal in 20) excess 20) Monthly statement provided Monthly statement provided Enrolling in and Using Swift Deposit: Enrollment in Swift Deposit requires a quick and simple two-step process: First log into Online Banking and select the Swift Deposit option to register your account Enjoy Next, the benefit download an the interest Georgia bearing United Credit Union account Swift with Deposit Premier Mobile App Enjoy from the Georgia free benefit from United. itunes an interest Receive or Google bearing monthly Play account with Premier dividends when you maintain an from average daily Endorse Georgia balance the United. back Receive monthly dividends when you maintain an average $1,000 the and check enjoy no per-check daily charges! balance Interest Use good bearing lighting $1,000 and and enjoy no per-check charges! account a dark background Interest No bearing monthly service account Make sure all four fees (as corners long as $1,000 the check minimum display daily balance in the requirement camera viewer is met) Premier No monthly service fees (as Unlimited check writing, long as $1,000 withdrawals and minimum daily transactions balance allowed requirement per is met) month Unlimited check writing, withdrawals and transactions allowed per month *Funds deposited using the service may be available within five business days. Georgia United may make funds available sooner at its own discretion. Please see the Funds Availability policy included in this kit. 21 2

3 CHECKING account options have have a a wide wide variety variety options options every every stage stage life. life. life. fer fer Overdraft Overdraft Protection Protection and and Courtesy Courtesy Pay Pay to to to protect protect your your payments payments from from insufficient insufficient funds, access to VISA Debit Cards, E-Statements and free direct funds, access to to VISA Debit Cards, E-Statements and free direct deposit. deposit. Additionally, as part our efts to ensure your account security, each Additionally, as as part our our efts to to ensure your account security, each account features free identity theft account features free identity theft protection! protection! few our products A A few few our our products include: include: Free Our Our most most popular popular account account is is is free free when when you you sign sign up up up direct direct deposit deposit or or or E-Statements. Please sign-up E-Statements within 90 days to avoid E-Statements. Please sign-up E-Statements within days to to avoid a a $5 $5 $5 monthly service monthly service charge. charge. No monthly service fees or minimum balance requirement (direct deposit or E-Statement required No No monthly service fees fees or or minimum balance requirement (direct deposit or or E-Statement required free ) free free ) Unlimited check writing, withdrawals and transactions allowed per month Unlimited check writing, withdrawals and and transactions allowed per per month Free unlimited Online Bill Pay (direct deposit or E-Statement required free Online Bill Pay) Free Free unlimited Online Bill Bill Pay Pay (direct deposit or or E-Statement required free free Online Bill Bill Pay) Pay) Thrifty Don t Don t have have many many transactions transactions each each month? month? Then Then our our our convenient convenient Thrifty Thrifty may be the option you! For $2.50 per month you get may be be the the option you! For For $2.50 per per month you get get checks (or transactions), with an additional service charge 30 per-item checks (or (or transactions), with an an additional service charge 30 per-item over over No minimum balance requirement No No minimum balance requirement First 20 checks/withdrawals included (additional service charge applies per check/withdrawal in First First excess checks/withdrawals included (additional service charge applies per per check/withdrawal in in 20) excess 20) Monthly 20) statement provided Monthly statement provided Premier Enjoy Enjoy the the the benefit benefit an an an interest interest bearing bearing account account with with Premier Premier from Georgia United. Receive monthly dividends when you maintain an from Georgia United. Receive monthly dividends when you maintain an an average average daily balance $1,000 and enjoy no per-check daily balance $1,000 and enjoy no no per-check charges! charges! Interest bearing account Interest bearing account No monthly service fees (as long as $1,000 minimum daily balance requirement is met) No No monthly Unlimited service check fees fees (as (as writing, long long as as $1,000 withdrawals and minimum daily transactions balance allowed per requirement is is met) month Unlimited check writing, withdrawals and and transactions allowed per per month 2 2

4 CHECKING SAVINGS account options SAVINGS ACCOUNTS TO ENSURE A BRIGHTER FUTURE! have have a a wide wide variety variety options options every every stage stage life. life. fer fer Overdraft Whether saving Protection something and Courtesy special, Pay building to protect your your nest payments egg, or simply from insufficient getting a Overdraft Protection and Courtesy Pay to protect your payments from insufficient funds, handle access on your to monthly VISA Debit budget, Cards, our E-Statements wide variety and savings free direct options deposit. can help with funds, access to VISA Debit Cards, E-Statements and free direct deposit. all your savings goals. re here to ensure you get on the right savings track! Additionally, as part our efts to ensure your account security, each Additionally, as part our efts to ensure your account security, each account A few features our savings free products identity theft include: account features free identity theft protection! protection! A few our products A few our products include: include: Certificates Deposit (cds) Free Sometimes we have to make our money work a little bit harder us! A safe and guaranteed way to earn higher dividends on your funds is with a longer term Our most popular account is free when you sign up direct deposit Our Certificate most popular Deposit. account is free when you sign up direct deposit or or E-Statements. Please sign-up E-Statements within 90 days to avoid a E-Statements. Competitively higher Please dividend sign-up rates with E-Statements safe, guaranteed within payouts 90 days to avoid a $5 $5 monthly Flexible terms service monthly service charge. charge. No The monthly ability to service secure fees a loan or minimum against your balance Certificate requirement Deposit (direct at a deposit considerably or E-Statement lower rate required No monthly service fees or minimum balance requirement (direct deposit or E-Statement required free ) free ) Unlimited check writing, withdrawals and transactions allowed per month Unlimited check writing, withdrawals and transactions allowed per month Free unlimited Online Bill Pay (direct deposit or E-Statement required free Online Bill Pay) Please Free unlimited note that Online Georgia Bill United Pay (direct will deposit charge or a penalty E-Statement early required withdrawals free Online on certificates. Bill Pay) The penalties are less than your current HealthCom FCU early withdrawal penalties: Thrifty CERTIFICATE TERM CURRENT FORFEITURE RATE NEW FORFEITURE RATE Don t Don t have have many transactions each month? Then our convenient Thrifty 6 month many transactions 90 day dividends each month? Then our 90 convenient day dividendsthrifty may be the option you! For $2.50 per month you get checks month may be the option you! For $2.50 per month you get 20 (or transactions), with 180 an day dividends additional service charge 90 day dividends 30 per-item checks (or transactions), with an additional service charge 30 per-item over over 24 month 365 day dividends 180 day dividends No minimum 36 month balance requirement 565 day dividends 180 day dividends No minimum balance requirement First 20 checks/withdrawals included (additional service charge applies per check/withdrawal in First 20 checks/withdrawals excess included (additional service charge applies per check/withdrawal in 20) excess 20) Monthly statement provided Monthly statement provided Sterling Fund Money Market Premier If you need your funds to remain accessible while earning higher dividends, our high yield money market might be the best fit you. Enjoy the benefit an interest bearing account with Premier Enjoy Checks the and benefit withdrawals an permitted interest (check bearing writing and withdrawal account restrictions with Premier apply members from allowed Georgia three free United. withdrawals Receive or checks monthly per month) dividends when you maintain an from Georgia United. Receive monthly dividends when you maintain an average average daily Budgeting balance tools available $1,000 and enjoy no per-check daily balance $1,000 and enjoy no per-check charges! charges! Interest Payroll deduction bearing available account qualified members; as well as the ability to set up scheduled transfers Interest to No reach bearing monthly your savings service fees goals account (as faster! long as $1,000 minimum daily balance requirement is met) No monthly Unlimited service check fees (as writing, long as $1,000 withdrawals and minimum daily transactions balance allowed requirement per is met) month Unlimited check writing, withdrawals and transactions allowed per month *The National Credit Union Administration (NCUA) insures your deposits (in savings, savings certificates, and share-draft/ accounts) up to $250,000. IRA s are insured separately to $250,

5 CHECKING Lending account options Lending services with the flexibility you need! have have a a wide wide variety variety options options every every stage stage life. life. fer fer Overdraft Whether in Protection you re in the and market Courtesy Pay a new to protect or used your vehicle, payments ready to from make insufficient your Overdraft Protection and Courtesy Pay to protect your payments from insufficient dream funds, access home a to reality VISA or Debit are looking Cards, E-Statements the perfect and credit free card direct options deposit. that best fit funds, access to VISA Debit Cards, E-Statements and free direct deposit. your needs, Georgia United has the right product you! Additionally, as part our efts to ensure your account security, each Additionally, as part our efts to ensure your account security, each account features free identity theft account A few features our most free popular identity loan theft products protection! protection! include: A few our products A few our products include: include: Free Auto Loans Our Our Competitive most most popular popular low account rates account is is free free when when you you sign sign up up direct direct deposit deposit or or E-Statements. Please sign-up E-Statements within 90 days to avoid a E-Statements. Flexible terms Please sign-up E-Statements within 90 days to avoid a $5 $5 monthly service monthly No prepayment service charge. charge. penalties or application fees No monthly service fees or minimum balance requirement (direct deposit or E-Statement required No monthly service fees or minimum balance requirement (direct deposit or E-Statement required free ) free ) Unlimited check writing, withdrawals and transactions allowed per month Unlimited check writing, withdrawals and transactions allowed per month Free unlimited Online Bill Pay (direct deposit or E-Statement required free Online Bill Pay) Free unlimited Online Bill Pay (direct deposit or E-Statement required free Online Bill Pay) Full-service Thrifty Mortgage products First mortgages Don t Don t Second have have mortgages many many transactions transactions each each month? month? Then Then our our convenient convenient Thrifty Thrifty may be the option you! For $2.50 per month you get Home Equity Lines may be Credit the option you! For $2.50 per month you get checks (or transactions), with an additional service charge 30 per-item checks Land/Lot (or transactions), loans with an additional service charge 30 per-item over over No minimum balance requirement No minimum balance requirement First 20 checks/withdrawals included (additional service charge applies per check/withdrawal in First 20 checks/withdrawals excess included (additional service charge applies per check/withdrawal in 20) excess 20) Monthly statement provided Monthly statement provided VISA CREDIT CARDS Premier No annual fees VISA benefits Enjoy Enjoy No the fee the benefit benefit balance an transfers interest interest bearing bearing account account with with Premier Premier from Georgia United. Receive monthly dividends when you maintain an from Introductory Georgia United. rates Receive as low as monthly 1.99% dividends APR* when you maintain an average average daily balance $1,000 and enjoy no per-check daily Cash balance back fer $1,000 and enjoy no per-check charges! charges! *After Interest the first bearing 12 months, Annual account Percentage Rate (APR) will vary based on borrower s credit-worthiness and Interest bearing No monthly service account ability to repay. The estimate fees (as rate long is between as $1, % minimum & 24.99%. daily Balance balance transfers requirement must occur is within met) the first three No billing monthly Unlimited cycles. service check fees (as writing, long as $1,000 withdrawals and minimum daily transactions balance allowed requirement per is met) month Unlimited check writing, withdrawals and transactions allowed per month For more details on our full range competitive products and services please visit georgiaunitedcu.org

6 CHECKING Retirement s account options Investment s your future needs have have a a wide wide variety variety options options every every stage stage life. life. fer fer Overdraft Georgia United Protection is committed and Courtesy to helping Pay to our protect members your save. payments With our from members Overdraft Protection and Courtesy Pay to protect your payments from insufficient insufficient needs funds, in access mind, to we VISA fer Debit three Cards, types E-Statements Individual Retirement and free direct s. deposit. have funds, access to VISA Debit Cards, E-Statements and free direct deposit. also partnered with CUNA Brokerage Services, Inc. to fer MEMBERS Financial Additionally, as part our efts to ensure your account security, each Additionally, Services*. as part our efts to ensure your account security, each account features free identity theft account features free identity theft protection! protection! A few our products A few our products include: include: Individual Retirement s (IRAs) Free For your long-term retirement savings needs, consider an IRA with Georgia United. To help you meet your retirement savings needs, we are currently Our Our most popular account is free when you sign up direct deposit or fering most three popular types account IRAs: is free Traditional, when you Roth, sign and up E-Statements. Please sign-up E-Statements Coverdell direct deposit within 90 (Education or days to avoid IRAs). a E-Statements. Please sign-up E-Statements within 90 days to avoid a $5 $5 monthly service monthly For your charge. No service convenience, monthly charge. Georgia United fers IRA Certificates (CDs) and IRA Share service fees or minimum balance requirement (direct deposit or E-Statement required No Savings monthly free s. service fees Please or minimum ask balance us or visit requirement georgiaunitedcu.org (direct deposit E-Statement more details, required ) rates free and ) terms on these products. Unlimited check writing, withdrawals and transactions allowed per month Unlimited check writing, withdrawals and transactions allowed per month Free unlimited Online Bill Pay (direct deposit or E-Statement required free Online Bill Pay) Free An IRA unlimited might Online be the Bill Pay retirement (direct deposit savings or E-Statement vehicle that required best suits free Online you, Bill and Pay) may provide you with additional tax benefits. For details, please contact our MEMBERS Financial Service Representative or your Tax Advisor. Don t Don t have have many many transactions transactions each each month? month? Then Then our our convenient convenient Thrifty Thrifty may may be be the the option option you! you! For For $2.50 $2.50 per per month month you you get get checks checks (or (or transactions), transactions), with with an an additional additional service service charge charge per-item per-item over over No minimum balance requirement No MEMBERS minimum First 20 balance checks/withdrawals Financial requirement Services* included (additional is a personal service financial charge applies management per check/withdrawal service in First 20 checks/withdrawals excess included (additional service charge applies per check/withdrawal in designed 20) especially credit union members. Our member-exclusive MEMBERS excess 20) Monthly statement provided Monthly Financial statement Services provided fers investment services, a wide range financial management options, and a variety insurance and investment solutions. Please contact our MEMBERS Financial Services Representative to create a personalized financial plan that helps you reach your individual goals. Enjoy the benefit an interest bearing account with Premier Enjoy the benefit an interest bearing account with Premier from Georgia United. Receive Andy monthly Anderson, dividends LUTCF, when CFS you maintain an from Georgia United. Receive monthly dividends when you maintain an average average daily balance $1,000 and enjoy Financial no per-check Advisor daily charges! balance Interest bearing $1,000 and enjoy no per-check charges! account ext Interest No bearing monthly service account fees (as long as $1,000 minimum daily balance requirement is met) Thrifty MEMBERS Financial Premier No monthly service fees (as Unlimited check writing, long as $1,000 withdrawals and minimum daily transactions balance allowed requirement per is met) month Unlimited check writing, withdrawals and transactions allowed per month *Securities sold, advisory services fered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with Georgia United Credit Union to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit any financial institution. CUNA Brokerage Services, Inc. is a registered broker/dealer in all fifty states the United States America

7 Contact Contact & inmation inmation Guide Guide nearest branch locations Hours: nearest branch locations & Hours: LOBBY HOURS drive-up HOURS dalton - Chattanooga ave. Monday LOBBY HOURS 9 am - 5 pm Monday drive-up HOURS9 am - 5 pm dalton Chattanooga Ave. ave. Tuesday Monday 9 9 am am pm pm Tuesday Monday 9 9 am am pm pm 1412 Dalton, Chattanooga GA Ave. dnesday Tuesday am am am pm 5 pm pm dnesday Tuesday am am am pm - 5 pm pm Thursday 9 - Thursday 9 - Dalton, GA GA dnesday am am pm pm dnesday am am pm pm Friday Thursday 9 9 am am pm pm Friday Thursday 9 7:30 9 am am - 5 am - 5 pm pm - 5 pm Friday 9 9 am am pm pm Friday 7:30 7:30 am am pm pm LOBBY HOURS drive-up HOURS Dalton - Calhoun St. Monday LOBBY HOURS 9 am - 5 pm Monday drive-up HOURS9 am - 5 pm Dalton Calhoun St. St. St. Tuesday Monday 9 9 am am pm pm Tuesday Monday 9 9 am am pm pm Dalton, 605 Calhoun GA St. St. dnesday Tuesday am am am pm 5 pm pm dnesday Tuesday am am am pm 5 pm pm Thursday 9 - Thursday 8 - Dalton, GA GA dnesday am am pm pm dnesday am am pm pm Friday Thursday 9 9 am am pm pm Friday Thursday 8 8 am am pm pm Friday 9 9 am am pm pm Friday 8 8 am am pm pm Member Care center Member Care center Our Member Care Center can help you open an account, apply Our Our a Member loan, answer Care product Center can can questions, help you you add open or an make an account, changes apply to a current a a loan, account answer and product much more. questions, add add or or make changes to to a a Contact current account us at , and and much more. option 8. Contact us us at at , option Shared Branching atms Shared Branching & atms Member Care Center HOURS Member Monday Care Center 8 am - 6 HOURS pm Tuesday Monday 8 8 am am pm pm dnesday Tuesday am am am pm 6 pm pm Thursday dnesday am am pm pm Friday Thursday 8 8 am am pm pm Saturday Friday 8 98 am am pm pm pm Saturday 9 9 am am pm pm This nationwide network credit unions allows members Georgia United to conduct their business at This This more nationwide than 5,000 network participating credit credit unions unions allows at no members additional Georgia cost. Shared United branching to to conduct locations their business require at at more a photo than ID 5,000 and member participating number. credit For unions more at inmation no no additional and cost. to cost. find Shared participating branching shared locations branching require a locations a photo ID ID and visit and co-opsharedbranch.org. member number. For For more inmation and and to to find find participating shared branching For locations Georgia visit visit United co-opsharedbranch.org. ATM locations visit the About Us tab on georgiaunitedcu.org. For For Georgia United ATM locations visit visit the the About Us Us tab tab on on georgiaunitedcu.org. Additional numbers Additional numbers New s New s option option 88 Lending Lendingoption option Hour ONLINE BANKING 24-Hour georgiaunitedcu.org ONLINE BANKING georgiaunitedcu.org Mortgage lending services Mortgage lending Ext. services Ext. Ext instant access instant access

8 FREQUENTLY ASKED QUESTIONS lcome to Georgia United! Below you ll find answers to commonly asked lcome to Georgia United! Below you ll find answers to commonly asked questions. Our goal is to ensure that the transition process is seamless you. If questions. Our goal is to ensure that the transition process is seamless you. If at any time you would like more inmation, please don t hesitate to contact us at at any time you would like more inmation, please don t hesitate to contact us at , option 8. These FAQs will also be placed on georgiaunitedcu.org , option 8. These FAQs will also be placed on georgiaunitedcu.org. Q: When will my accounts become Georgia United accounts? The Q: When conversion will will my take accounts place Saturday, become February Georgia 28, United Your accounts accounts? will have transitioned and The conversion be ready to will use take as Georgia place Saturday, United on February Sunday, 28, March , Your accounts will have transitioned and be ready to use as Georgia United on Sunday, March 1, Q: Will my account numbers change? Yes. Q: Will Effective my Sunday, account March numbers 1, 2015, your change? account numbers and routing number will change. You will Yes. receive Effective Sunday, lcome March Letter 1, with 2015, your your Member account Card numbers containing and your routing unique number member will change. number. You Each will receive your a Georgia lcome United Letter accounts with your will Member be attached Card containing to this member your unique number member and designated number. by Each two digit your suffix; Georgia example: United accounts will be attached to this member number and designated by a two Member digit suffix; Number: example: Savings Member : Number: Savings : : Loan : : Loan : Q: What is Georgia United s routing transit number? Q: What is Georgia United s routing & transit number? Q: When can start banking at Georgia United branches? Monday, Q: When March can 2, I start 2015 banking at Georgia United branches? Monday, March 2, 2015 Q: May continue to use my HealthCom Debit card after the merger? Your Q: May HealthCom I continue Debit Card to use will work my HealthCom until Monday, March Debit 2, card After after this the date, merger? please destroy Your HealthCom your card. Debit Card will work until Monday, March 2, After this date, please destroy your card. You will receive new Georgia United VISA Debit Card during the week February 20, You Your will new receive card will a new not Georgia work until United Monday, VISA March Debit 2, Card 2015, during so please the week continue February to use 20, your current HealthCom Your new card Debit will Card not work until until this date. Monday, March 2, 2015, so please continue to use your current HealthCom Debit Card until this date. Instructions to activate your debit card and set your PIN (personal identification number) will be included Instructions with to your activate new your card. debit card and set your PIN (personal identification number) will be included with your new card. Your new Georgia United VISA Debit Card will be equipped with more buying power! The cash limits Your new on your Georgia Debit United Card VISA are: Debit Card will be equipped with more buying power! The cash limits $500 on per your day Debit limit Card ATM are: cash withdrawals $500 $1,000 per per day day limit limit ATM point cash sale withdrawals transactions (PIN based) $3,500 $1,000 per signature day limit based point transactions sale transactions (PIN based) $3,500 signature based transactions 1

9 FREQUENTLY ASKED QUESTIONS lcome to Georgia United! Below you ll find answers to commonly asked Q: Will I be charged ATM withdrawals? questions. Our goal is to ensure that the transition process is seamless you. If All Georgia United ATMs are completely free when you use your Georgia United VISA Debit Card! at ATM any transactions time you would permed like more at non-georgia inmation, United please ATMs are don t subject hesitate to a eign to contact ATM usage us at fee , $0.75 per transaction. option 8. As a These courtesy FAQs to you, will we also will be reverse placed these on eign georgiaunitedcu.org. ATM usage fees! Q: How many branches will I have access to? You will have access to 17 full-service Georgia United branches, in addition to over 5,000 Co-Op Q: When Shared will Branching my accounts Centers nationwide. become For Georgia a complete United list all accounts? locations, please visit The georgiaunitedcu.org. conversion will take place Saturday, February 28, Your accounts will have transitioned and be ready to use as Georgia United on Sunday, March 1, Q: Will my deposits continue to be insured? Q: Yes. Will Your savings my account will continue numbers to federally change? insured by the National Credit Union Administration Yes. (NCUA) Effective up to Sunday, $250,000. March The 1, NCUA 2015, insures your account IRAs separately numbers up and to routing $250,000. number will change. You will receive a lcome Letter with your Member Card containing your unique member number. Each Q: May your I continue Georgia United to use accounts my HealthCom will be attached to this member account number and checks designated by a after two digit the suffix; merger? example: Yes. Member However, Number: because your new Georgia United account features a new account number, Savings you : will also be receiving 01 new checks. : During Loan the : week February 50 20, 2015, you will receive a free box Georgia United checks. Please begin using your new checks immediately. Please note that you will not be able to order any new HealthCom checks after Friday, February 13, Q: What is Georgia United s routing & transit number? Any outstanding HealthCom checks will clear through your new Georgia United account. Q: When May I continue can I start to banking use Bill at Pay? Georgia United branches? Monday, If you are March currently 2, 2015 a HealthCom Bill Pay user, please look out additional inmation regarding Bill Pay. will mail you a separate Bill Pay communication in a few weeks. Q: May I continue to use my HealthCom Debit card after the merger? Your Q: I have HealthCom direct Debit deposit Card will work my until paycheck Monday, March into 2, my HealthCom After this date, account. please Do destroy I need your to notify card. my employer the change to my account number? You Nothing will receive needs to a new be done Georgia and United your direct VISA deposit Debit will Card continue during the without week interruption. February 20, Your new card will not work until Monday, March 2, 2015, so please continue to use your current Q: HealthCom I have automatic Debit Card until deductions this date. from my account to a third party, such as my insurance company. Will these automatic Instructions to activate your debit card and set your PIN (personal identification number) will be deductions continue without interruption? included with your new card. Yes. If you have preauthorized transactions from your HealthCom account, such as a gym Your membership, new Georgia mortgage, United or VISA insurance Debit Card payment, will be these equipped transactions with more will buying continue power! from your The cash new limits Georgia on United your Debit Card account are: without interruption. $500 per day limit ATM cash withdrawals For any new transactions we recommend that you provide your new routing/transit number and $1,000 per day limit point sale transactions (PIN based) account number. $3,500 signature based transactions Q: I have automatic recurring fund transfers between my HealthCom accounts. Will these transfers continue without interruption? Yes. 1 2

10 FREQUENTLY ASKED QUESTIONS lcome to Georgia United! Below you ll find answers to commonly asked questions. Q: Will I Our be able goal is to to bank ensure by that telephone? the transition process is seamless you. If at Yes. any With time Georgia you would United s like free more automated inmation, telephone please banking don t (merly hesitate AMOS), to contact you can us bank at around-the-clock. Using any touch-tone phone, you can check account balances, transfer funds, , option 8. These FAQs will also be placed on georgiaunitedcu.org. confirm that a check has cleared, make withdrawals, and more. You will use your new member account number and a password that you create to access Georgia United s Instant Access Telephone Teller at Q: Will When I be will able my to accounts bank by become mail? Georgia United accounts? Yes. The You conversion may mail will your take deposits, place Saturday, loan payments February and 28, any other Your correspondence accounts will to have (please transitioned do not mail and be cash): ready to use as Georgia United on Sunday, March 1, Georgia United Credit Union, PO Box , Duluth, GA Q: Will my account numbers change? Q: Yes. How Effective do Sunday, I pay my March loan? 1, 2015, your account numbers and routing number will change. You There will receive are several a lcome convenient Letter ways with your in which Member loan payments Card containing may be your made: unique member number. Each Cash (in your branch) Georgia United accounts will be attached to this member number and designated by a Checks two digit suffix; example: Funds Member Transfer Number: Savings : : Q: Do you fer Overdraft Protection? Loan : Yes. Your account will have automatic Overdraft Protection from your Prime Share account. Please note that there must be enough available funds in your Prime Share to cover your transaction. Q: What is Georgia United s routing & transit number? Additionally, Georgia United also fers an added layer protection with Courtesy Pay. In the event Q: When that there can are I start not enough banking funds to at cover Georgia your transactions, United branches? Courtesy Pay covers your overdraft Monday, March items instead 2, 2015 having a check returned. Qualifying members are eligible to receive enhanced Courtesy Pay benefits on their accounts! Q: May I After continue Sunday, March to use 1, my 2015, HealthCom you will need Debit to opt-in card to access after this benefit the merger? on your debit Your HealthCom card. Debit Card will work until Monday, March 2, After this date, please destroy your card. Please note that Courtesy Pay is subject to eligibility requirements. Please review your Courtesy Pay You Disclosure will receive or a new contact Georgia us should United you VISA have Debit any questions. Card during the week February 20, Your new card will not work until Monday, March 2, 2015, so please continue to use your current Q: HealthCom When will Debit Card I receive until this my date. account statements? You Instructions will receive to activate your final your HealthCom debit card statement and set your in early PIN March. (personal All identification Georgia United number) will be account included and with loan your statements new card. are processed on the last day the month. All other accounts will receive quarterly statements. Your new Georgia United VISA Debit Card will be equipped with more buying power! The cash Q: limits Will on your I continue Debit Card to are: have access to my accounts through online $500 per day limit ATM cash withdrawals banking? $1,000 per day limit point sale transactions (PIN based) On Sunday, March 1, 2015 you will be able to register Online Banking through $3,500 signature based transactions georgiaunitedcu.org. Once registered, you will have full access to your accounts and all online services such as Bill Pay and E-Statement. 1 3

11 FREQUENTLY ASKED QUESTIONS lcome to Georgia United! Below you ll find answers to commonly asked Q: What additional services can be expected as a result this questions. Our goal is to ensure that the transition process is seamless you. If merger? at any time you would like more inmation, please don t hesitate to contact us at In addition to the current HealthCom branch location, Georgia United fers 16 additional , convenient banking option locations. 8. These They feature FAQs will extended also be drive-up placed hours on on georgiaunitedcu.org. Friday, and select locations with Saturday hours! You will have access to a wider array consumer banking products and services savings and, loans and mortgages each with different features and benefits to provide the financial solution Q: When that will works my best accounts you. become Georgia United accounts? The conversion will take place Saturday, February 28, Your accounts will have transitioned Georgia and be ready United to also use fers as Georgia a full United suite on Access Sunday, and March Convenience 1, products including Online Banking, Mobile Banking with Mobile Deposit, Bill Pay, and VISA Debit Cards. Q: Will my account numbers change? A Yes. few Effective more features Sunday, March membership 1, 2015, include: your account numbers and routing number will change. You will VISA receive Credit a lcome Cards Letter with your Member Card containing your unique member number. Each Free identity your Georgia theft protection United accounts on all will be attached accountsto this member number and designated by a Money two digit market suffix; accounts example: Educational Member Number: IRAs, in addition to Traditional and Roth Access Savings to Prepaid : Legal Insurance 01 Safe deposit : boxes (at select branch 02 locations) Loan : Additionally, Georgia United believes in giving back to our community. Q: What hold annual is Georgia CAN Hunger United s Food Drives routing & transit number? Support foster children through our Christmas Wish Tree initiative Provide free tax preparation services low and moderate income taxpayers Q: And When hold branch can I start Shred Events banking support at Georgia identity theft United protection branches? Monday, March 2, 2015 Q: May I continue to use my HealthCom Debit card after the merger? Your HealthCom Debit Card will work until Monday, March 2, After this date, please destroy your card. You will receive a new Georgia United VISA Debit Card during the week February 20, Your new card will not work until Monday, March 2, 2015, so please continue to use your current HealthCom Debit Card until this date. Instructions to activate your debit card and set your PIN (personal identification number) will be included with your new card. Your new Georgia United VISA Debit Card will be equipped with more buying power! The cash limits on your Debit Card are: $500 per day limit ATM cash withdrawals $1,000 per day limit point sale transactions (PIN based) $3,500 signature based transactions 1 4

12 Agreement and Disclosure Send account transactions or updates by mail to: 6705 Sugarloaf Parkway, Duluth, GA The member and all joint owners who sign a signature card and agreement to open an with Georgia United Credit Union agree to the following terms and conditions: Restricted s The Credit Union may include restrictions on its s, which restrictions may change from time to time. The Credit Union may also designate various types s which are subject to such restrictions, may apply different limitations and terms to them, including limiting entitlement to any to any specified group within its field membership. Not every member is entitled to every if the Board Directors the Credit Union determines that an is to be granted only to members who qualify such. Ownership and Beneficiary Designation These rules apply to this depending on the m ownership and beneficiary designation, if any, specified on the records. reserve the right to refuse some ms ownership on any or all our s. Individual is owned by one person. Joint with Survivorship (and not as Tenant in Common) - is owned by two or more persons. You agree with us and each other that each you intends that upon your death the balance in the will be held as Joint Tenants with Survivorship and not as Tenants in Common. The person(s) creating either these types reserve the right to change types and to withdraw all funds at any time. have no obligation with regard to the proper application any funds withdrawn or transferred from such. Organizational s will usually require a separate authorization m designating the person permitted to withdraw and the conditions required withdrawal from any in the name the organization. will honor the authorization according to its terms until it is amended or terminated in writing by the governing body the organization. Withdrawals Unless otherwise clearly indicated to the contrary, any one you who signs in the open space designated signature on the signature card as the member or joint owner, including any agent, is an owner the and may withdraw or transfer all or any part the balance at any time on ms approved by us or by use Electronic Funds Transfers, when that service is requested or granted. Each you (until we receive written notice to the contrary) authorizes each other person signing on the signature card to endorse any item payable to you or your order deposit to this or any other transaction with us. The fact that we may honor withdrawal requests which may overdraw the finally collected balance does not obligate us to do so, unless required by law. Withdrawals will first be made from collected funds, and we may, unless prohibited by law or our written policy, refuse any withdrawal request against uncollected funds, even if our general practice is to the contrary. reserve the right to refuse any withdrawal or transfer request which is attempted by any method not specifically permitted, which is an amount less than any minimum withdrawal requirement, or which exceeds any frequency limitation. Even if we honor a nonconming request, repeated abuse the stated limitations (if any) may eventually ce us to close this. will use the date a transaction is completed by us (as opposed to the day you initiated it) to apply the frequency limitations. reserve the right to require you to notify us your intention to withdraw funds from all s (except Share Draft s) as explained in our bylaws. Additional withdrawal limitations may be disclosed elsewhere. Liability Each you agrees yourself (and the person or entity you represent if you sign as a representative another) to the terms this and the schedule charges that we impose. You authorize us to deduct these charges as accrued directly from the balance. You also agree to pay additional reasonable charges we may impose services you request which are not covered by this agreement. Each you also agree to be jointly and individually liable any deficit resulting from charges or overdrafts, whether caused by you or another authorized to withdraw from this, and our cost to collect the deficit including, to the extent permitted by law, our reasonable attorney s fees. You agree that at our option we may suspend your rights to all, or some the member services if you violate the terms this agreement or if you cause the Credit Union to suffer a loss. If any held by you, jointly or individually, reflects a deficit resulting from charges, withdrawals, overdrafts, returned deposit items, you agree that at our option we may use funds from any other held by you, jointly or individually, to cover the deficit. Power Attorney are not required to recognize any power attorney to act on an. If we accept a power attorney, we may continue to recognize the authority your attorney-in-fact until we receive written notice revocation or termination and have had a reasonable time to act upon it. also reserve the right to restrict the types or sizes transactions we will permit an attorney-in-fact to conduct, on a case by case basis, and may require the attorney-in-fact to present the original power attorney bee conducting any transaction. A person acting under a power attorney is not an owner an, no funds in the belong to that person by reason that capacity, and that person has no right survivorship in the. Claims and Disputes Concerning Your If another person or entity makes a claim against funds in your, or if we have reason to believe there is or may be a dispute over matters such as the ownership the or the authority to withdraw funds, we may in our sole discretion: (1) continue to rely on current signature cards, resolutions or other documents, (2) freeze all or part the funds until the dispute is resolved to our satisfaction, or (3) pay the funds into an appropriate court law resolution. Placement Items In s a. Items placed in s may refuse, accept collection only, or return all or part any item placed in your. will act as your agent in collecting any items placed in your in accordance with our customary practices and applicable law. Credit items deposited is provisional and subject to revocation if the item in not paid any reason. shall not be deemed to have received items sent by mail, or placed in the lobby depositories, night depositories, or any other type depositories we operate, until after we have received actual delivery those items sent by mail or removed the content from such depositories. All placements in s received by us through the mail or removed by us from depositories after our hours, will be deemed placed in your the next banking day. Until we remove items from the depositories, we are only responsible loss such items caused by our gross negligence or willful misconduct. Unless otherwise agreed, you waive any right to receive any original item after it is paid. If this earns dividends, we are prohibited by law from guaranteeing the payment dividends or that dividends we do pay will be at the disclosed rate. b. Verification Items Placed in When we accept items placement in your and issue receipts, such placements and receipts are subject to subsequent verification and corrections if necessary. c. Endorsements If you (1) place an item in your bearing an endorsement which is outside the area extending 1 ½ inches from the trailing edge the back the item or (2) otherwise cause the endorsement the first bank deposit to be obscured, and this causes a delay in the return the item, you will be responsible any loss or expense we may incur. The trailing edge is defined as the left side the item as viewed from the front.

13 d. Identification You will be responsible any loss or expense caused by your failure to properly identify the in which the funds are placed or intended to be placed. e. Items Returned If an item placed in your is returned to us unpaid, we will reverse the credit to your. At our option and without notice to you that the item has been returned, we may submit any return item payment. You waive presentment, notice dishonor and protest. may process a copy or other evidence the return item in lieu the original. f. Final Payment All items or Automatic Clearing House (ACH) transfers credited to your are provisional until we receive final payment. If final payment is not received, we may charge your the amount such items or ACH transfers and impose a return item charge on your. Any collection fees we incur may be charged to your. reserve the right to refuse or return any item or funds transfer. d. Direct Deposits may fer preauthorized deposits (e.g., payroll checks, Social Security or retirement checks, or other government checks) or preauthorized transfers from other s. You must authorize each direct deposit or preauthorized transfer by filling out a separate m. You must notify us at least thirty (30) days in advance to cancel or change a direct deposit or transfer option. Upon a bankruptcy filing, unless you cancel an authorization, we will continue making direct deposits in accordance with your authorization on file with us. If we are required to reimburse the U.S. Government any benefit payment directly deposited into your, we may deduct the amount returned from any your s, unless prohibited by law. h. Encoding/Endorsing If you undertake to provide our endorsement or encode the account on items placed in your, you agree to adhere to any standards which are set th in federal law. i. Stale Dated Items are not required to pay any item presented more than six months after its date. However, we may pay such an item if we do so in good faith. You agree that we are acting in good faith in paying such an item as long as there is not a stop payment request in effect when we pay the item. j. Foreign Currency If we take an item payable in eign currency placement in your or collection, you will bear all exchange rate risk. will not credit the item to your until we have received the proceeds in U.S. dollars. Overdrafts The Credit Union is not obligated to pay an item which is presented payment at a time when your does not have sufficient collected funds. If you place an item in your which is not paid by the institution on which it is drawn, the Credit Union can charge your with the amount the unpaid item, plus any fee which is due the Credit Union under its then current fee schedule. You agree to pay these overdrafts upon notice or demand, along with the interest at such rate as allowed by law. If the is a Joint, each person is responsible the payment all overdrafts and fees related to them. Georgia United Credit Union may process checks in any order, including from highest dollar amount to lowest dollar amount, at the sole discretion the credit union. Overdraft Projection Agreement If you applied and were given overdraft protection, you hereby authorize the Credit Union to automatically transfer from the Overdraft Source, Line Credit or Credit Card to your such amounts, plus any fee which is due the Credit Union under its current fee schedule, as may be necessary to cover any overdrafts in your Share, Savings or. If the transfer is from a Line Credit or Credit Card, each transfer will create an advance under the Line Credit Agreement. The Credit Union will not be required to transfer funds if the or Line Credit from which the transfer is made does not have sufficient funds or credit available to cover the overdraft. If the or Line Credit the source funds is closed, no transfer will be made, and the overdraft protection feature your Share Draft will be terminated. All non-cash items received as deposit to the will be made available in compliance with the Credit Union s published policy on Availability Funds which policy may change from time to time. Certificate s Any Time Deposit, Term Share, Share Certificate or Certificate Deposit allowed by the state law (Certificate ), whichever we fer, is subject to the terms this Agreement, the Rate and Fee Schedule and Deposit Receipt each the terms which are incorporated herein by reference. Statements will send you periodic statements on your (s). These statements will retrace the various transactions on your (s), if any. You agree to examine these statements in a timely fashion to be sure they are correct. If you do not notify us an unauthorized signature or alteration within a reasonable time (not to exceed 20 days) after we send or make available to you your statement and items: (1) you cannot assert the unauthorized signature or alteration against us, even if we are unable to show a loss due to your failure, and (2) you cannot assert any unauthorized signatures or alterations by the same wrongdoer on items paid by us after the reasonable time mentioned above elapses, but bee we receive your notice. lose these protections if we fail to exercise ordinary care in paying an item with an unauthorized signature or alteration, unless you do not notify us the problem within 60 days when we send or make available to you the statement and items. You must report any other problems (e.g., erroneous statement, missing signature, unauthorized endorsement, etc.) within this 60-day period or lose your right to assert the problem against us. Fees and Charges The shall be subject to fees and service charges in accordance with the rate schedules adopted by the Credit Union from time to time. You will be given notice these changes as required by law. You agree to pay the Credit Union the amount the fees and charges assessed against you and your by the Credit Union and the Credit Union may withdraw all such fees and charges from any you have with the Credit Union. Amendments and Termination The use the is subject to such other terms, conditions and regulations as the Credit Union (in its sole discretion and without notice) may establish from time to time. may change our bylaws and any term this agreement. will give you reasonable notice in writing or by any other method permitted by law. reserve the right to close this if your membership in this Credit Union terminates. Termination Membership You may terminate your membership by giving us notice. You may be denied service or expelled any reason allowed by applicable law, including causing a loss to the Credit Union. You agree to keep us inmed about your current address at all times. Notice from us to any one you is notice to all you. Notices Any and all notice(s) required or permitted to be given by the Credit Union to any or all owner(s) shall the purpose this agreement, be deemed to be properly given to all owners when reduced to writing and placed in the United States Mail, postage prepaid, and addressed to any or all owner(s) at the address or addresses to which the Credit Union regularly sends the periodic and/or quarterly statement associated with this or at such other address(es) as any the owner(s) from time to time may indicate by written notice to the Credit Union. The invalidity or unenceability any particular provision this Agreement shall not affect the other provisions here, and this Agreement shall be construed in all respects as if such invalid or unenceable provision had been omitted. This Agreement shall be governed by and construed in accordance with the Bylaws the Credit Union, Federal Laws and Regulations and the Laws the State Georgia. Stop Payment Without in any manner limiting the generality any provision contained herein, the Credit Union is authorized to accept and act upon any: (1) Stop Payment request or renewal same properly made by any owner or any one any other persons authorized to sign this, and (2) Cancellation or revocation a stop payment request made by any one owner or any one the other persons authorized to sign this, provided that same is properly made in writing and on ms approved by the Credit Union. The Credit Union has a right to charge fees stop payment orders which may change from time to time. Stop Payment Orders must be received in a time and manner to provide the Credit Union with a reasonable opportunity to act on the Stop Payment Order.

14 Duration Order You may make an oral stop payment order which will lapse within fourteen (14) calendar days unless confirmed in writing within that time. A written stop payment order is effective six (6) months and may be renewed in writing from time to time. do not have to notify you when a stop payment order expires. Telephone Transfers A telephone transfer funds from one to another with us, if otherwise permitted or arranged, may be made by the same persons and under the same conditions generally applicable to withdrawals made in writing. Unless a different limitation is disclosed in writing, we restrict the number transfers from a Savings to another, or third parties, to a maximum six per month (less the number certain preauthorized transfers during the month). If you violate the limitations transfers, your is subject to closure under the Credit Union rules, regulations and bylaws. Pledges Unless you tell us differently in writing, each owner this may pledge all or any part the funds in it any purpose to which we agree. Any pledge this must first be satisfied bee the rights any Joint survivor, pay-on-death beneficiary, or Trust beneficiary becomes effective. For example, if one joint tenant pledges the (s) evidenced by this agreement a debt and then dies, (1) the surviving joint tenants rights in this do not take effect until the debt has been satisfied; and (2) the debt may be satisfied with the funds in the. Transfer Limitation The Credit Union reserves the right to limit the number transfers you may make including preauthorized, automatic, telephonic, audio response transfers to another yours or to a third party during any calendar month. Dormant s If your falls below the minimum applicable balance or you have not made a withdrawal from, a deposit to, or transfer involving your and we have had no other sufficient contact with you within the period specified by state law, the will be presumed to be dormant and abandoned. As set th on the rate and fee schedule the Credit Union may charge a service fee continuing to process your dormant. Funds in abandoned s will be reported and remitted in accordance with state law. Once funds have been turned over to the state, we have no further liability to you such funds and if you choose to reclaim such funds, you must apply to the appropriate state agency. ACH & Wire Transfers If we provide the service and you initiate or receive credits or debits to your through wire or ACH transfer, we are not required to notify you at the time funds are received. Instead, the transfer will be shown on your periodic statement. may provisionally credit your an ACH transfer bee we receive final settlement. may reverse the provisional credit or you will refund us the amount if we do not receive final settlement. When you initiate a wire transfer, you may identify either the recipient or any financial institution by name and by or identifying number. The Credit Union (and other institutions) may rely on the or other identifying number as the proper identification even if it identifies a different party or institution. may delay posting an International ACH Transaction (IAT) to allow us time to verify those transactions as required by regulation. Credit Union Lien and Security Interest If you owe us money as a borrower, guarantor, endorser or otherwise the Federal Credit Union Act gives us a statutory lien on the funds in any account in the credit union in which you have an ownership interest, regardless their source, unless prohibited by law. may apply these funds, without further notice to you in any order to pay f your indebtedness. If the Credit Union chooses not to ence its lien, the Credit Union does not waive its right to ence the lien at a later time. In addition, you grant the Credit Union a consensual security interest in your s and agree the Credit Union may use the funds from your s in which you have an ownership interest to pay any debt or amount now or hereafter owed the Credit Union, except the obligations secured by your residence, unless prohibited by applicable law. Right to Repayment Indebtedness You each agree that we may without prior notice and when permitted by law charge against and deduct from any you have with the Credit Union any debt you owe to us now or in the future, by any you having the right withdrawal, to the extent such person or legal entity s right to withdraw. If the debt arises from a note, debt includes the total amount which we are entitled to demand payment under the terms the note at the time we charge the. Our right to repayment arising under this section does not apply to this if it is an Individual Retirement or other Tax- Deferred Retirement or in cases where the right withdrawal arises only in a representative capacity. will not be liable the dishonor any check or draft when the dishonor occurs because we charge and deduct an amount you owe us from your. You agree to hold us harmless from any claim arising as a result our exercise our right to repayment. In the event any debt you owe the Credit Union is collected by or through an attorney at law, you agree to pay all costs collection, including court costs and attorney fees not in excess 15% the unpaid debt. Death Owner may continue to honor all transfer orders, withdrawals, deposits and other transactions on an until we are notified a member s death. Once we are notified a member s death, we may pay drafts or honor other payments or transfer orders authorized by the deceased member a period (10) days after that date unless we receive instructions from any person claiming an interest in the to stop payment on the drafts or other items. may require anyone claiming a deceased owner s funds to indemnify us any losses resulting from our honoring that claim. This agreement will be binding upon any heirs or legal representatives any owner. Governing Law This Agreement governed by the Bylaws the Credit Union, federal laws and regulations, the applicable laws and regulations the State Georgia and local clearinghouse rules as amended from time to time. Any dispute regarding this Agreement shall be subject to the jurisdiction the court the county in which the Credit Union s principle fice is located and you agree that the Credit Union may sue you there. **Special Instructions** You may request that we facilitate certain trust, will or court-order arrangements. However, because we do not give legal advice, we cannot counsel you as to which arrangement most appropriately meets the specific requirements your trust, will or court order. If you ask us to follow any instructions that we believe might expose us to claims, lawsuits, expenses, liabilities or damages, whether directly or indirectly, we may refuse to follow your instructions or may require you to indemnify us or post a bond or provide us with other protection. changes requested by you or any owner, such as adding or closing an or service, must be evidenced by a signed Change m and accepted by us. Illegal Use Financial Services Any financial service provided by Georgia United Credit Union may be used any transaction permitted by law. You agree that illegal use any financial service will be deemed an action default and/or breach contract and such service and/or other related services may be terminated at Georgia United Credit Union s discretion. You further agree, should illegal use occur, to waive the right to sue Georgia United Credit Union such illegal activity directly or indirectly related to it. You also agree to indemnify and hold Georgia United Credit Union harmless from any suits or other legal action or liability, directly or indirectly, resulting from such illegal use. Swift Deposit- The Swift Deposit services are designed to allow you to make deposits to your or savings accounts from any qualifying smart phone device by scanning check images and delivering the images and associated deposit inmation to Georgia United or our designated processor. Not all members are eligible this service. Georgia United reserves the right to change, modify, add, or remove portions from the service.

15 FUNDS AVAILABILITY POLICY YOUR ABILITY TO WITHDRAW FUNDS at GEORGIA UNITED CREDIT UNION This Disclosure describes your ability to withdraw funds at Georgia United Credit Union. It only applies to the availability funds in transaction accounts. The credit union reserves the right to delay the availability funds deposited to accounts that are not transaction accounts periods longer than those disclosed in this policy. Please ask us if you have questions about which accounts are affected by this policy. Our general policy is to make funds from your deposits available to you at the time you make your deposit, if you make your deposit directly to one our employees. If you do not make your deposit directly to one our employees, then we may not make funds from your deposit available until the second business day after the day we receive your deposit. If your deposit is made at an ATM not owned by Georgia United Credit Union we may not make funds from your deposit available until the fifth business day after the day we receive your deposit. All ATM s owned or operated by us are identified as our machines. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written. For determining the availability your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit bee 5:00 P.M. on a business day that we are open, we will consider that day to be the day your deposit. However, if you make a deposit after 5:00 P.M. or on a day we are not open, we will consider that the deposit was made on the next business day we are open. LONGER DELAYS MAY APPLY In some cases, we will not make all the funds that you deposit by check available to you on the day your deposit. Depending on the type check that you deposit, funds may not be available until the fifth business day after the day your deposit. However, the first $200 your deposits will be available on the first business day. If we are not going to make all the funds from your deposit available on the day your deposit, we will notify you at the time you make your deposit. will also tell you when the funds will be available. If your deposit is not made directly to one our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed a longer period under the following circumstances: believe a check you deposit will not be paid. You deposit checks totaling more than $5,000 on any one day. You redeposit a check that has been returned unpaid. You have overdrawn your account repeatedly in the last six months. There is an emergency, such as failure communications or computer equipment. will notify you if we delay your ability to withdraw funds any these reasons, and we will tell you when the funds will be available. They will generally be available no later than the eleventh business day after the day your deposit. SPECIAL RULES FOR NEW ACCOUNTS If you are a new customer, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits cash, wire transfers, and the first $5,000 a day s total deposits cashier s certified, teller s traveler s and federal state and local government checks will be available on the first business day after the day your deposit if the deposit meets certain conditions. For example, the checks must be payable to you and you may have to use a special deposit slip. The excess over $5,000 will be available on the ninth business day after the day your deposit. If your deposit these checks (other than a U.S. Treasury check) is not made in person to one our employees, the first $5,000 will not be available until the second business after the day your deposit. Funds from all other check deposits may not be available until the eleventh business day after the day your deposit. SWIFT DEPOSIT RULES You agree that items transmitted using the services are not subject to the funds availability requirements the Federal Reserve Board Regulation CC. Deposits accepted using the service will be available within five days. Georgia United may make such funds available sooner based on factors as credit worthiness, the length or extent your relationship with us, transaction and experience inmation, and such factors as Georgia United, in its sole discretion, deems relevant.

16 ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE This Electronic Funds Transfer Agreement is the contract which covers your and our rights and responsibilities concerning the electronic fund transfers ( EFT ) services fered to you by Georgia United Credit Union ( Credit Union ) In this Agreement, the words you and yours mean those who sign the application or account card as applicants, joint owners, or any authorized users. The words we, us, and ours mean the Credit Union. The word account means any one or more savings and accounts that you have with the Credit Union. The term Electronic Fund Transfer ( EFT ) is defined by Reg. E, 12 CFR and generally is electronically initiated transfers money from your account through the electronic funds transfer services described below or additional electronic funds transfer services fered by the Credit Union in the future. Card means either your Visa Check Card or ATM Card issued by the Credit Union under this Agreement. PIN means the personal identification number assigned to you use with your Card, and PSC means the personal security code used with the Instant Access (audio response) telephone system. Access Code includes both PIN and PSC as the case may be. By signing an application or account card EFT services, signing your Card, or using any service, each you, jointly and severally, agree to the terms and conditions in this Agreement and any amendments the EFT services fered. 1. USE, OWNERSHIP AND LIABILITY: a. ATM Card and/or VISA Check Card: You may use your Card and PIN (Personal Identification Number) in automated teller machines the Credit Union, Plus, CU24/CUHere, Interlink, Southeast Switch Networks, and such other machines or facilities as the Credit Union may designate from time to time. You may use your Card to purchase goods and services any place your Card is honored by participating merchants. Each time you use the Card, you authorize the Credit Union to debit your account the amount the transaction plus any fees that may be imposed. When the Card is used at an ATM machine, you authorize the Credit Union to debit either your savings or account, as designated by you at the time the transaction. If the balance in your account is not sufficient to pay the transaction amount or the transaction creates an overdraft the Credit Union may treat the transaction as authorization to transfer funds from other deposit accounts, approved overdraft protection accounts or loan accounts, that you have established with the Credit Union. In no event will the Credit Union extend credit to you under the ATM or VISA Check Card. Any extension credit utilized to fund any overdraft created in your accounts by use your ATM or VISA Check Card is governed by your Overdraft Protection Agreement, your Loan Agreement or such other Agreements you have with the Credit Union, but in no event will your ATM card or VISA Check Card give you any right to overdraft protection. If you initiate a transaction that overdraws your account, you agree to make immediate payment overdrafts together with any service charges and the Credit Union may fset such overdraft from any account you may have with the Credit Union. In the event repeated overdrafts, the Credit Union may terminate all services under this agreement, and demand the immediate surrender the Cards issued to you and any joint member or authorized user. If you allow someone else to use your Card, PIN, or PSC, you are responsible all transactions authorized by that person. b. Loss, Theft, or Unauthorized Use: In the event that your Card, PIN, or PSC is lost, misplaced, stolen, or is used without your authorization, you agree to immediately notify the Credit Union such fact. Upon receipt such notice from you, the Credit Union will partially freeze the account and will not pay any withdrawals from your account by use the Card and/or PIN and/or PSC identified as lost, mislaid, stolen or subject to unauthorized use. You agree that the Credit Union may require evidence the loss, theft, or unauthorized use the Card, PIN, or PSC and until the Credit Union is reasonably satisfied or assured that no such events will occur with any new Card, PIN, or PSC which may be issued, the Credit Union is not required to reissue or replace a lost, mislaid, stolen, or improperly used Card, PIN, or PSC. You agree that any liability you have any unauthorized transaction, whether due to theft, lost, mislaid or unauthorized use or the Card, PIN or PSC, shall be limited by the EFT Act and Regulation E, unless the Credit Union by Agreement with you or VISA agrees to lesser liability on your part, and the Credit Union may recover from you (or withhold) any amounts which you have liability under said law and regulations, up to the maximum amount your liability, subject to the limitations under the Credit Union s Agreement with VISA and any regulations or limitations prescribed by VISA pursuant thereto. You also understand that if your actions or inaction have caused the Credit Union to suffer a loss, Card privileges may be denied or suspended. Because the servicing schedule and processing time required in ATM operations, there is a delay between the time a deposit (either cash or check) is made and when it will be available withdrawal. You should review the Credit Union s policy regarding availability funds deposited at ATM s. c. Ownership Cards: Any Card or other such device that we supply to you is our property and must be returned to us, or to any person whom we authorize to act as our agent, or to any person who is authorized to honor the Card, immediately according to our instructions. The Card may be repossessed at any time at our sole discretion without demand or notice. You cannot transfer your Card or account to another person. d. Honoring the Card: Neither we nor merchants authorized to honor the Card will be responsible the failure or refusal to honor the Card, PIN or any other device we supply to you. If a merchant agrees to give you a refund or adjustment, you agree to accept a credit to your account in lieu a cash refund. e. Security Access Code/PIN: You may use one or more access codes with your electronic funds transfer. The access codes issued to you are your security purposes and are to be kept confidential. You agree not to disclose or otherwise make your access codes available to anyone not authorized to sign on your accounts. This includes recording the code on or with the Card. If you authorize anyone to use your Card or access codes, that authority shall continue until you specifically revoke such authority by notifying the Credit Union. If you fail to maintain the security these access codes and the Credit Union suffers a loss, we may terminate your EFT services immediately. f. Joint s: If any your accounts accessed under this Agreement are joint accounts, all joint owners, including any authorized users, shall be bound by this Agreement and, alone and together, shall be responsible all EFT transactions to or from any savings and or loan accounts as provided by this Agreement. Each joint account owner, with or without the consent any other joint account owner, may, and herby is authorized by every other joint owner, to make any transaction permitted under this agreement. Each joint account owner is authorized to act the other account owners, and the Credit Union may accept orders and instructions regarding any EFT transaction on any account from any joint account owner. If one joint owner directs the Credit Union to terminate use the ATM, Visa Check Card or access code, the Credit Union is authorized to terminate use any or all such service under this agreement and may require all joint owners to execute a written authorization to initiate new service or issue new cards or access codes. g. Termination EFT Services: You may terminate this Agreement or any EFT service under this Agreement at any time by notifying us in writing and stopping the use your Card and any access code. You must return all Cards to the Credit Union. You also agree to notify any participating merchants that authority to make bill payment transfers has been revoked. may also terminate this Agreement at any time by notifying you orally or in writing. If we terminate this Agreement, we may notify any participating merchants making preauthorized debits or credits to any your accounts that this Agreement has been terminated and that we will not accept any further preauthorized transaction instructions. may also program our computer not to accept your Card or access code any EFT service. Any merchant or financial institution to which the Card is presented may retain the Card if it has been canceled. Whether you or the Credit Union terminates this Agreement, the termination shall not affect your obligations under this Agreement any EFT s made prior to termination. h. Liability: Any financial service provided by Georgia United Credit Union may be used any transaction permitted by law. I agree that illegal use any financial service will be deemed an action default and/or breach contract and such service and/or other related services may be terminated at Georgia United Credit Union s discretion. I further agree, should illegal use occur, to waive the right to sue Georgia United Credit Union such illegal activity directly or indirectly related to it. I also agree to indemnify and hold Georgia United Credit Union harmless from any suits or other legal action or liability directly or indirectly, resulting from such illegal use. 2. NOTICES: All notices from us will be effective when we have mailed them or delivered them to your last known address in the Credit Union s records. Notices from you will be effective when received by the Credit Union at the address specified in this Agreement. reserve the right to change the terms and conditions upon which this service is fered. will mail notice to you at least twenty-one (21) days bee the effective date any change. Use this service is subject to existing laws, regulations and by-laws governing the Credit Union account and any future changes to these laws, regulations and by-laws. 3. GOVERNING LAW: This Agreement is governed by the Bylaws the Credit Union, federal laws and regulations, the applicable laws and regulations the State Georgia and local clearinghouse rules, as amended from time to time. Any dispute regarding this Agreement shall be subject to the jurisdiction the court the county in which the Credit Union s principal fice is located and you agree that the Credit Union may sue you there. 4. FOREIGN TRANSACTIONS: Purchases and cash advances made in eign countries and eign currencies will be billed to you in U.S. dollars. The conversion rate to U.S. dollars will be determined in accordance with the operation regulations established by VISA U.S.A. Currently the currency conversion rate used to determine the transaction amount in U.S. dollars is either government mandated rate or the wholesale market rate in effect one day prior to the transaction processing date, increased by one-percent. The currency conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or cardholder statement posting date. 5. ENFORCEMENT: If the Credit Union brings legal action to ence this Agreement or collect any overdrawn funds on accounts accessed under this Agreement, it shall be entitled, subject to applicable law, the payment reasonable attorney s fees and costs, including fees on any appeal, bankruptcy proceedings, and any post judgment collection actions. If there is a lawsuit, you agree that it will be filed and heard in the county and state in which the Credit Union s principal fice is located.

17 EFT DISCLOSURE EFT SERVICES: If approved, you may conduct any one or more the EFT Services fered by the Credit Union. Some these may not apply to your account. Please read this carefully and keep it future reference. At the present time, you may use your ATM or VISA Check Card to: Make deposits to your savings and accounts. Withdraw funds from your savings and accounts. Transfer funds between your savings and accounts. Obtain balance inmation your savings and accounts. Make loan payments from your savings and accounts. Make Point- Sale (POS) transactions with your Card and/or PIN to purchase goods or services at POS terminals that carry the Plus, CU24/CUHere and Interlink network logo(s). Obtain cash from merchants if the merchant permits. Additionally you may use your VISA Check Card to: Make a POS transaction with your Card and/or PIN to purchase goods or services at merchants that accept VISA. Purchase or order goods or services by mail, by telephone or in person from places that accept VISA. The following are the daily spending and ATM limits Visa Check Card purchases: Membership Type Credit (Signature) Debit (PIN) ATM Limit Limit Limit Teen Ages $250 $260 $260 Teen Ages $500 $510 $510 General $3,500 $1,010 $510 Gold $3,500 $1,010 $510 Platinum $3,500 $1,010 $1,010 ATM - $510 $510 Additionally, the following limitations apply to your VISA Check Card: All purchases/withdrawals are limited to the available funds in your account at the time the transaction. There is no limit on the number cash withdrawals you may make in any one day. You may transfer up to the available balances in your accounts at the time the transfer. For security purposes, there are other limits on the frequency and amount transfers available at ATM s. Other limitations may apply, please contact us to determine what these limitations are. Funds in your account can be held a maximum 3 days authorizations obtained by merchants using your VISA Check Card. These funds will be held even if a charge is not processed. Some these services may not be available at all merchants or terminals. INSTANT ACCESS (AUDIO RESPONSE): If we approve the Instant Access Audio Response service your accounts, you will choose a separate Personal Security Code (PSC). You must use your PSC along with your account number to access your accounts. At the present time, you may use Instant Access to: Withdraw funds from your savings and accounts. Transfer funds from your savings and accounts. Obtain balance inmation your savings,, loan, VISA, and certificate accounts. Make loan payments from your savings and accounts. Access your Zip loan (Line Credit) account. Obtain tax inmation on amounts earned in savings and account or interest paid on loans, Verify the last date and amount your payroll deposit. Request copies statements and cleared checks. Your accounts can be accessed under the Instant Access service via touch-tone telephone only. The service is available your convenience 24 hours a day; however, it may be interrupted a short time each day data processing. There is no limit to the number inquiries, transfers, or withdrawal requests you make in any one day. There is a limit five (5) transactions per call and certain limits on the account history inmation available. All withdrawals by check are payable to you as the primary member and will be mailed to your address record. The Credit Union may set other limits on the amount any transaction, and you will be notified those limits. The service will discontinue if no transaction is entered or after numerous unsuccessful attempts to enter a transaction, and there may be limits on the duration each telephone call. HOME BANKING (INTERNET NETWORK CONNECTION): If we approve the Home Banking service your accounts, you will choose a separate Personal Security Code (PSC). You must use your PSC along with your account number to access your accounts. At the present time, you may use Home Banking to: Withdraw funds from your savings and accounts. Transfer funds from your savings and accounts. Obtain balance inmation your savings,, loan, VISA, and certificate accounts. Make loan payments from your savings and accounts. Access your Zip loan (Line Credit) account. Obtain tax inmation on amounts earned in savings and account or interest paid on loans, Verify the last date and amount your payroll deposit. Request copies statements and cleared checks. Your accounts can be accessed under the Home Banking service via personal computer and Internet network connection only. The service is available your convenience 24 hours a day; however, it may be interrupted a short time each day data processing. There is no limit to the number inquiries, transfers, or withdrawal requests you may make in any one day. There is a limit five (5) transactions per access and certain limits on the account history inmation available. All withdrawals by check are payable to you as the primary member and will be mailed to your address record. The Credit Union may set other limits on the amount any transaction, and you will be notified those limits. The service will discontinue if no transaction is entered, after numerous unsuccessful attempts to enter a transaction, and there may be limits on the duration each session. E-STATEMENTS: By opting in to receive e-statements, you are consenting to receive all statements and disclosures via electronic delivery. You must confirm within 100 days from the date your account is opened. The Credit Union will continue to notify you that you must confirm your enrollment. If you do not confirm, on the 101 day, your account will be automatically reverted to receive paper statements. Possible revert fees may apply. Documents that may be delivered to you may include, but are not limited to: Regularly schedule account statements Change-in-terms inmation your account Credit Card account statement Notices account activity such as loan payment notices and/or account status This agreement shall remain in effect unless: You notify the Credit Union, allowing up to 10 days, from receipt the notification the service to be terminated Change statement method within home banking You are notified by the Credit Union via or U.S. Mail that you will no longer be enrolled in the service. In the event the electronic mail address ( address) you is no longer valid, it is your responsibility to notify the Credit Union. If the Credit Union receives notification that the electronic delivery is not possible due to an incorrect or closed address, we may elect, at our discretion, to choose to revert your account(s) to standard U.S. Mail delivery without additional notification and possible revert fees may apply. In order to receive electronic delivery you must have access to the following: A valid account capable receiving.pdf attachments A computer with Internet connection Adobe Acrobat Reader. The most recent version may be downloaded free charge from An program capable receiving attachments or A web based account You may request a paper copy a statement by contacting us in writing or at any Credit Union location. By enrolling, you acknowledge that it is your responsibility to review the inmation in a timely manner. You further acknowledge that you are responsible retention the inmation sent you. SWIFT DEPOSIT: Your use the services constitutes your acceptance this Agreement. This Agreement is subject to change from time to time. will notify you any material change. Your continued use the services will indicate your acceptance the revised Agreement. Further, Georgia United reserves the right, in its sole discretion, to change, modify, add, or remove portions from the service. Limitations Service: When using this service you may experience technical or other difficulties. cannot assume responsibility any technical or other difficulties or resulting damages that may occur. Some the services have qualification requirements, and we reserve the right change the qualifications at any time without prior notice. reserve the right to change, suspend, or discontinue the service, in whole or in part, or your use the services, in whole or in part, immediately and at any time without prior notice to you. Eligible Items: You agree to scan and deposit only checks as that term is defined in Federal Reserve Regulation CC ( Reg. CC ). You agree that the image the check transmitted to Georgia United shall be deemed an item within the meaning Article 3 the Unim Commercial Code Georgia. You agree that you will not use the services to scan and deposit any checks or other items as shown below: Checks or items payable to any person or entity other than you Checks or items previously converted to a substitute check, as defined in Reg. CC Checks or items drawn on a financial institution located outside the United States Checks or items that are remotely created checks, as defined in Reg. CC Checks or items not payable in United Stated currency Checks or items dated more than 6 months prior to the date deposit Checks or items dated bee the issue date Image Quality: The image an item transmitted to the Credit Union using the service must be legible. The image quality the items must comply with the requirements established from time to time by, Federal Reserve Board, any other regulatory agency, clearing house or association.

18 Receipt Items: reserve the right to reject any item transmitted through the service, at our discretion, without liability to you. are not responsible items we do not receive or images that are dropped during transmission. An image an item shall be deemed received when you receive confirmation from Georgia United. Receipt such confirmation does not mean that the transmission was error free or complete. Endorsements and Procedures: You agree to restrictively endorse an item transmitted through the service as deposit only, Georgia United Credit Union Acct. # or as otherwise instructed by the Credit Union. You agree to follow any all other procedures the Credit Union may establish from time to time. Presentment Transmitted Items: Upon receipt confirmation from the Credit Union that we received the image an item, agree to prominently mark the item as electronically presented or VOID to ensure that it is not represented payment. And, you agree never to represent the item. You will promptly provide any retained item, or a sufficient copy the front and back the item, to Georgia United as requested to aid in the clearing and collection process, to resolve claims by third parties with respect to any item, or audit purposes. Deposit Limits: reserve the right to impose limits on the amount(s) and/or number deposits that you transmit using the service and to modify such limits from time to time. Hardware and Stware: In order to use the service, you must obtain and maintain, at your expense, compatible stware and hardware, as specified by Georgia United from time to time. Any such stware is accepted by you as is and is subject to the terms and conditions the Agreement you enter into directly with the third party stware provider at the time download or installation. Errors: You agree to notify the Credit Union any suspected errors regarding items deposited through the service right away, and in no event later than 60 days after the applicable account statement is sent. Unless you notify the Credit Union with 60 days, such statement regarding all deposits made through the service shall be deemed correct, and you are prohibited from bringing claim against Georgia United such alleged error. Presentment: The manner in which the items are cleared, presented payment, and collected shall be the Credit Union s sole discretion subject to the Agreement governing your account. Ownership & License: You agree that Georgia United retains all ownership and proprietary rights in the service, associated content, technology, and website. Your use the service is subject to and conditioned upon your complete compliance with this Agreement. Without limiting the effect the egoing, any breach this Agreement immediately terminates your right to use the service. Without limiting the restriction the egoing, you may not user the service (1) in any competitive manner (2) any purpose which would be contrary to Georgia United s business interest, or only non-business, personal use in accordance with this Agreement. You may not copy, reproduce, distribute or create derivative works from the content and agree not to reverse engineer or reverse compile any the technology use to provide these services. Disclaimer Warranties: You agree your use the service and all inmation and content (including that third parties) is at your risk and provided on and as is and as available basis. disclaim all warranties any kind as to the use the services, whether express or implied, including, but not limited to the implied warranties merchant ability, fitness a particular purpose and noninfringement. make no warranty that the services (1) will meet your requirements, (2) will be uninterrupted, timely, secure, or error free, (3) the results that may be obtained from the service will be accurate or reliable, and (4) any errors in the services or technology will be corrected. User Warranties: You warrant to the Credit Union that: 1. You will only transmit eligible items 2. Images will meet the image quality standards 3. You will not transmit duplicate items 4. You will not deposit or represent the original item 5. All inmation you provide to Georgia United is accurate and true 6. You will comply with this Agreement and all applicable rules, laws and regulations. You agree to indemnify and hold Georgia United harmless from any loss breach this warranty provision. DIRECT DEPOSIT: Upon instruction (i) your employer or (ii) the Treasury Department or (iii) other financial institutions, the Credit Union will accept direct deposits your paycheck or federal recurring payments, such as Social Security, to your savings or account. PREAUTHORIZED WITHDRAWALS: You may make arrangements to pay certain bills from your or savings accounts. ELECTRONIC CHECK CONVERSION/ELECTRONIC RETURNED CHECK FEES: If you pay something with a check you may authorize your check to be converted to an electronic fund transfer. You may also authorize merchants to electronically debit your account returned check fees. You are considered to have authorized these electronic funds transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization. TRANSFER LIMITATIONS: The Credit Union reserves the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below the required balance, or otherwise require us to increase our required reserves your account. services. These charges are shown on the schedule charges given to you with this Disclosure. From time to time, the charges may be changed. will notify you any changes as required by applicable law. If you use an ATM that is not operated by Georgia United Credit Union, you will be charged a network fee in addition to any ATM surcharge the ATM Operator may assess. The ATM network fee and the ATM surcharge will be debited from your account if you elect to complete the transaction. Georgia United Credit Union has no control over the amount the ATM Operator s surcharge. However, the ATM Operator is required to disclose the amount the surcharge bee the transaction is complete. You may elect not to complete the transaction after the surcharge is disclosed. YOUR LIABILITY: Tell us AT ONCE if you believe your Card or access code has been lost or stolen. Telephoning us is the best way to keep your possible losses down. You could lose all the money in your account (plus your maximum overdraft line credit). If a transaction is made with your card or card number without your permission, and is either a Visa or Interlink transaction, you will have no liability the transaction, unless you were grossly negligent in the handling your account or card. You will only have zero liability if you provide us with a written statement regarding your claim unauthorized use your Visa Check Card and were not grossly negligent or fraudulent in handling your Visa Check Card. For all other EFT transactions, including ATM transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone used your Card or access code without your permission. If you do NOT tell us within two (2) business days after you learn the loss or theft your Card or access code and we can prove that we could have stopped someone from using your Card or access code without your permission you could lose as much as $500. In no event will you be liable more than $50 any unauthorized line credit advances. Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money. If a good reason (such as long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card or PIN have been lost or stolen, that someone has transferred or may transfer money from your account without your permission or in case error or questions about EFT s from your accounts, call us at: or or write to: ATTN: Card Services Dept Georgia United Credit Union P O Box Duluth, GA If you think that your statement or receipt is wrong or if you need more inmation about a transfer listed on the statement or receipt, we must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem or error appears. Tell us your name and account number. Describe the error or transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more inmation. Tell us the dollar amount the suspected error. Tell us how we may contact you. If you tell us orally, we may require you to send us your complaint or question in writing within ten (10) business days. The written complaint or question should be addressed to the Credit Union at the address stated above. will determine whether an error occurred within ten (10) business days (twenty (20) business days if the transaction was initiated outside the United States or transfers resulting from a point-sale transaction) after we hear from you and will correct any error promptly. If you give notice an error within thirty (30) days after you make the first deposit to your account; we will have twenty (20) business days instead ten (10) business days. If we need more time, however, we may take up to ty-five (45) days (ninety (90) days if the transaction was initiated outside the United States or transfers resulting from a point--sale transaction) to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days (five (5) business days Visa Check Card purchases unless we determine that the circumstances or your account history warrant a delay, in which case you will receive a credit within ten (10) business days) the amount you think is in error, so that you will have the use the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account. will tell you the results our investigation within three (3) business days after completing it. If we decide that there was no error, this will include a written explanation. You may ask copies the documents that we used in our investigation.

19 FEES AND SERVICE CHARGES: There are certain charges EFT PREAUTHORIZED PAYMENTS: a. Right to Stop Payment and Procedure Doing So: If you have told us in advance to make regular payments out your account(s), you can stop any these payments. Call us at or , or write us at ATTN: Card Services Dept. Georgia United Credit Union, P O Box , Duluth, GA , in time us to receive your request three (3) business days or more bee the payment is scheduled to be made. If written verification is not received, the oral stop payment order shall cease to be binding fourteen (14) days after you call. If you order us to stop one these payments three (3) business days or more bee the transfer is scheduled, and we do not do so, we will be liable your losses or damages. b. Notice Varying Amounts: If these regular payments may vary in amount, the person you are going to pay will tell you, ten (10) days bee each payment, when it will be made and how much it will be. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment or when the amount would fall outside certain limits that you set. CREDIT UNION S LIABILITY TO YOU: If we do not complete a transfer to or from your account on time or in the correct amount according to our Agreement with you, we will be liable your losses or damages. However, there are some exceptions. will not be liable instance: If, through no fault ours, you do not have enough money in your account to make the transfer, or if any funds in your account necessary to complete the transfer are held as uncollected funds pursuant to our Funds Availability Policy; If the transfer would go over your credit limit on your overdraft line; If you used your Card or access code in an incorrect manner; If the ATM where you are making a transfer does not have enough cash; If the terminal or system was not working properly and you knew about the problem when you started the transaction; If circumstances beyond our control (such as fire, flood, or power failure) prevent the transfer, despite reasonable precautions we have taken; If the money in your account is subject to legal process or other claim; If the funds in your account are pledged as collateral or frozen a delinquent loan; If the error was caused by a system any participating ATM network; If the electronic transfer is not completed as a result your willful or negligent use your Card, access code, or any EFT facility making such transfers; If the phone or computer equipment used audio response or electronic transfer is not working properly and you know or should have known about the problem when you started the transaction; If your account is closed by you or the Credit Union at the time the transfer; There may be other exceptions stated in our agreement with you. page 3 4 RIGHT TO RECEIVE DOCUMENTATION: a. Periodic Statements: Transfers and withdrawals made through any ATM, point--sale terminal or audio response transactions or preauthorized EFT s will be recorded on your periodic statement. You will get a monthly statement, unless there are no transfers in a particular month. In any case, you will receive a statement at least quarterly. b. Terminal Receipts: You will get a receipt at the time you make any transaction greater than $15.00 to or from your account using an ATM, point--sale terminal or Visa Check Card transaction with a participating merchant. Receipts are no longer required Electronic Fund Transfers $15.00 or less. c. Direct Deposit: If you have arranged to have a direct deposit made to your account at least once every sixty (60) days from the same person or company, you can call us at (770) or to find out whether or not the deposit has been made. This does not apply to transactions occurring outside the United States. CONFIDENTIALITY AND DISCLOSURE OF ACCOUNT INFORMATION: will disclose inmation to third parties about your account or the transfers you make: When necessary to completing the transfers; In order to verify the existence and condition your account a third party, such as credit bureau or merchant; or In order to comply with government agency, court orders, or government laws and regulations; or If you give us your written permission. BUSINESS DAYS: For the purpose these disclosures, our business days or Monday through Friday. Holidays are not included. NOTICE OF ATM, NIGHT DEPOSIT FACILITY USER PRECAUTIONS: The following inmation is a list safety precautions regarding the use Automated Teller Machines (ATM) and Night Depository Facilities. Commit your PIN to memory, and never write it on your ATM card or share it with anyone. Be aware your surroundings, particularly at night. Consider having someone accompany you when the ATM or night deposit facility is used after dark. If another person is uncomtably close to you at the time your transaction, ask the person to step back bee you complete your transaction. Refrain from displaying your cash at the ATM or night deposit facility. As soon as your transaction is completed, place your money in your purse or wallet. Count the cash later in the safety your car or home. If you notice anything suspicious at the ATM or night deposit facility, consider using another ATM or night deposit facility or coming back later. If you are in the middle a transaction and you notice something suspicious, cancel the transaction, take your Card or deposit envelope, and leave. Keep your receipt until you enter the transaction in your checkbook. If you are followed after making a transaction, go to the nearest public area where people are located. Immediately report a lost or stolen Card to the Credit Union.

20 Rev 5/15 FACTS WHAT DOES GEORGIA UNITED CREDIT UNION DO WITH YOUR PERSONAL INFORMATION? Why? Financial companies choose how they share your personal inmation. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal inmation. Please read this notice carefully to understand what we do. What? The types personal inmation we collect and share depend on the product or service you have with us. The inmation can include: Social Security number and transaction history balances and payment history Credit history and credit scores When you are no longer our customer, we continue to share your inmation as described in this notice. How? All financial companies need to share members' personal inmation to run their everyday business. In the section below, we list the reasons financial companies can share their members' personal inmation; the reasons Georgia United Credit Union chooses to share; and whether you can limit this sharing. Reasons we can share your personal inmation For our everyday business purposes such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or to report to credit bureaus Does Georgia United Credit Union share? Yes Can you limit this sharing? No For our marketing purposes to fer our products and services to you To limit our sharing Visit us online: georgiaunitedcu.org Please note: If you are a new member, we can begin sharing your inmation (30) days from the date we sent this notice. When you are no longer a member, we continue to share your inmation as described in this notice. However, you can contact us at any time to limit our sharing. No don t share For joint marketing with other financial companies No don t share For our affiliates' everyday business purposes inmation about your transactions and experiences For our affiliates' everyday business purposes inmation about your creditworthiness For our affiliates to market to you For our nonaffiliates to market to you No No No Yes don t share don t share don t share Yes Questions? Call toll free or

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