Welcome to IMPORTANT INFORMATION REGARDING YOUR MEMBERSHIP

Welcome to IMPORTANT INFORMATION REGARDING YOUR MEMBERSHIP

Welcome! We are very excited to have you join Associated Healthcare Credit Union (AHCU). AHCU serves the healthcare industry in thirty-three counties in Minnesota including hospitals, clinics, and healthcare organizations. With assets of over $100 million, serving over 16,000 members statewide, we are a financially sound and stable cooperative owned by our members. The merger between HealthEast Employees CU and AHCU will be complete on July 1, 2013 when accounts and systems will transfer to AHCU. At that time, you ll have full access to all benefits AHCU has to offer. Please visit www.ahcu.org to learn more. Enclosed you will find information designed to provide you with important details regarding your new membership, including: Your Accounts Online Access AHCU locations We hope the following information answers many of your questions. If you have additional questions or concerns, please contact us at 651-241-8233. We look forward to serving you. Sincerely, Jerry Ziegler President, Associated Healthcare Credit Union

Getting Started Member Number Your new AHCU member number will be 7 digits with a 7 prefix added to your current HECU member number. For example: Current HECU Will be AHCU Member Number Member Number 123 7000123 1234 7001234 12345 7012345 123456 7123456 Checking Number Your checking account number will be a 10 digit account number. For Example: HECU Will be AHCU Checking Number Checking Number* 8100001230 877000123X 8202123450 877212345X 8305123450 877512345X 8400123450 877012345X * The 10th digit will be determined when ordering new AHCU checks.

A CCOUNTS From loan rates to checking, AHCU offers a broad range of products and services to meet your personalized needs. Savings If You Had You ll Now Have What s Different Share Savings Share Savings $10 Minimum Balance required for membership (instead of $25). Suffix: 1.9 Holiday Club Holiday Club Minimum balance required: $0. Dividends paid on account with no minimum Suffix: 61 requirement. No withdrawals allowed during the term. Holiday funds will be disbursed the first of November each year to your share account. Vacation Club Suffix 62-64.9 Club Savings Minimum balance required: $0. Dividends paid on account with no minimum requirement. Youth If You Are Age You ll Now Have What s Different 0-12 Kirby Kangaroo Kirby Kangaroo is an account that offers a way to save, learn and have fun. 13-17 CU Succeed CU Succeed is a program full of benefits and features for our teen members. Investments If You Had You ll Now Have What s Different Share Certificates Step Up Certificate Share Certificates Share Certificates Money Market Money Market No checking. No withdrawal fee. If balance falls below the $2500 minimum, a $5 fee will be assess and interest will not be earned. Traditional IRA Savings Roth IRA Savings Traditional IRA Certificate Traditional IRA Money Market Roth IRA Money Market Traditional IRA Certificate Roth IRA Certificate Roth IRA Certificate Dividends will pay quarterly and at maturity. If you have a certificate term that is not offered at maturity, the certificate will close and funds will be disbursed to your share account. You will receive a notice at least 10 days before maturity. IRA Money Market with balances below $2500 will earn the share savings rate. At maturity, the credit union will contact you to choose one of AHCU s current IRA certificate options.

Checking If You Had You ll Now Have What s Different Basic Share Draft Suffix: S6 Interest Bearing Suffix: S2 EZ Checking EZ Checking Five free ATM withdrawals per month ($1 for additional). Free billpay with at least three bills paid each month. Includes standard features* of debit card, estatements and Access*Online. No interest is paid on checking First box of checks free to all existing HECU with a share draft at time of conversion. *$4.95 monthly fee will be charged if any of the standard features are not selected. IMPORTANT NOTICE: Requires action before 6/30/2013 YOUR ONLINE ACCOUNT HISTORY HECU transaction history will be accessible through 6/30/2013. To retain copies of your estatements prior to 7/1/2013, log on to Account login > estatements and access your statements. Pdf files are available to view, print or save to your computer or another location. Please note, estatement for HECU will no longer be available after 6/30/2013. BILL PAY To prepare for this switch, please record all your information from your HECU electronic bill payment account on your payees (for example: name of payee, address and account number) prior to the end of the June. This will assist you when you input them into the new bill payment service and set up your ebills. Bills will not be paid after 6/28/2013. Please make sure you do not have any reoccurring payments or bills scheduled to be paid after this date.

A CCOUNT FAQS 1. When will I receive a new Debit or ATM card? You will receive a new AHCU debit or ATM card in June 2013. Your HECU card will be deactivated on 6/30/2013 and you will need to begin using your new AHCU card on 7/1/2013. 2. Will my daily card limit remain the same? No. ATM withdrawal limits will increase to $500 per day. Debit card purchases are limited to the lesser of $2000 or to the amount in your account. 3. Will I receive new checks? Yes, you can continue to use your HECU checks until you receive notification that new checks need to be ordered with your new AHCU account number. 4. When will I receive Checking Account dividends? Associated Healthcare checking accounts don t receive dividends. 5. How long will my account history be available online? HECU transaction history will be accessible until 6/30/2013. To retain copies of your estatements, log on to Account login > estatements. Pdf files are available to view, print or save to your computer or another location. 6. Should I change my Direct Deposit and Electronic Payments? No, at this time electronic payments and deposits should post to your new AHCU account. 7. Can I make deposits or loan payments from another financial institution? Yes, you can set-up ACH origination. If you have a current ACH origination set up with HECU, it will tranfer. 8. What if I have an overdraft? If available, AHCU will transfer money from an account under the same member number (Savings and Club), with an available Line of Credit loan or Overdraft Privilege (formerly Privilege Pay, if qualified). IMPORTANT REMINDER: YOUR PRIVACY AHCU s privacy policy ensures that we will not share your personal information with third parties.

A CCESS * ONLINE Our FREE online banking service, Access Online, allows you to conveniently manage your account anywhere, 24/7/365. Starting July 2, 2013, you can enroll in Access Online: View account transaction history Transfer money Pay bills (transactions after July 1) Check account balances View cleared checks (once you Mobile Banking And, more! begin using checks from AHCU) GET STARTED! 1. Go to www.ahcu.org 2. Log in (located on the top right) with your new AHCU member number. Use the last four digits of the primary account holder s social security number for your temporary password. You will be prompted to create a new password and set up multifactor authentication. 3. Once logged in, schedule money transfers, set-up automatic notifications, and more. 4. Sign up for FREE estatements. Receive your monthly/quarterly statement electronically. Once set-up, you will be notified by an e-mail that your statement is ready for viewing, then you will need to log into Access*Online and go to the Online Service tab. This feature will store up to 12 months of statements starting July 2013. 5. Sign up for BILL PAY under Access Online. Set up bills from your checking account that automatically get paid and sent out either by check or electronically. Access Bill Payment to create new payees and schedule payments. Payments may be set up as a single payment or recurring payments. Please note: There is no charge if you pay a minimum of 3 bills each month. Otherwise the charge will be $4.95 a month. Video demos are avilable at www.ahcu.org for: 1. Bill Payment located on the home page. 2. Access*Online located under the Online Services tab, About Access*Online. 3. Mobile Banking located under the Online Services tab, About Access*Online. Click the Mobile Banking link.

M ORE ABOUT AHCU Savings and Investments SAVINGS Offering Regular Savings, Club Accounts, Holiday Club and Youth Saving options. CERTIFICATES OF DEPOSIT (CDS) Available for a variety of terms, with qualifying minimum deposits. Flexible investments options are available: Regular termed certificates Flex certificate MONEY MARKET ACCOUNTS Up to 6 transfers or withdrawals per month are available and dividends are calculated on qualifying balances and paid to the account monthly. Different tiered rates are available based on the qualifying balance in the account. INDIVIDUAL RETIREMENT ACCOUNTS (IRAS) Investment options available include: Certificates of deposits, money market and savings accounts in the traditional IRA, Roth IRA and Coverdell Education Savings Account options. Checking Accounts FEATURES Minimum Balance Checks Monthly Fee Standard Features EZ CHECKING None Available for purchase $4.95 if standard features are not chosen* Debit Card Access*Online E Statements Optional Features ATM Transactions: 5 free per month/$1 additional ** Phone Access: HeartLine Bill Pay: Free with 3 bills paid each month**** Mobile Banking Direct Deposit Overdraft Protection*** Cashier Checks: 3 Free payable to self Free Notary * If a member decides not to enroll in ALL of the standard features, $4.95 monthly maintenance fee will be charged to their account. (Fee will be assessed October 27, 2013.) If member does not qualify for a debit card, an ATM card may be issued and qualify as a standard feature. A fee will not be charged to members under the age of 18. Dividends are not paid on the E-Z Checking Account. ** While AHCU does not impose ATM charges on owner machines and will give free transactions at other machines according to your account agreement, individual ATM owners may charge surcharge fees that will be the responsibility of the account holder. *** All accounts will qualify for share savings to be used as overdraft protection. Overdraft Privilege is available to qualified accounts. Line of Credit Loans are available to qualified borrowers. For Debit Card Overdraft Protection, an opt-in/out agreement must be signed. **** Bill Pay is FREE with at least 3 bills paid each month. If less than 3 bills are paid, the monthly fee is $4.95.

Lending VEHICLE LOANS Options for new and used vehicles, RVs, boats, snowmobiles, motorcycles, ATVs and personal watercraft. Financing up to 60 and 84 months. Up to 120 months for motorhomes. Up to 100% financing of the purchase price or NADA retail value, plus tax, license, extended warranties and filing fees. Annual percentage rates may vary based on your credit worthiness. PERSONAL LOANS Line of credit/ Overdraft protection for your AHCU Checking account. Unsecured signature loans Share or CD Secured Loans HOME EQUITY LOANS Use the equity in your home to remodel, pay for education, go on vacation, consolidate debts, etc. Variable Line of Credit Loans are available (draw against your Line of Credit at any time) Fixed rate and fixed term loan. Borrow up to 100% of the value of your home. First Mortgage Home Equity shorter closing times than traditional mortgages with minimal closing costs. HOME MORTGAGE LOANS We ve partnered with CU Companies to bring you realty, mortgage and title services. Conventional, FHA, and VA loans available. You can apply online with Mortgagebot in minutes. www.cucompanies.com HOME IMPROVEMENT LOANS Fix that roof Add on a deck Remodel VISA CREDIT CARDS Enjoy these money-saving features of no annual fee, low fixed interest rates and free travel insurance! Choose from two great options: VISA CLASSIC VISA GOLD Other benefits include: Easy Payments: Make your loan payment by direct deposit, automatic transfer from one of your AHCU accounts. Payment Protection Plans: Protect yourself and your family from economic hardship with low cost disability or life insurance on your loans. Apply online at www.ahcu.org.

Value Added Programs AUTO BUYING SERVICE Integrity AutoSource, Inc. (www.integrityautosource.net, 651-426-6411) VISA GIFT CARDS One gift that fits all. You decide the amount, they decide where to use it. VISA PREPAID CARD Perfect for traveling or helping your teen. A prepaid card is safer than cash and just as flexible. Use it anywhere VISA is accepted. GAP INSURANCE AHCU offers GAP (Guaranteed Asset Protection) Insurance. If your vehicle is totaled or stolen, GAP insurance pays the difference between the value of the vehicle, which is determined by the insurance company, and the unpaid balance of the loan. EXTENDED WARRANTY Reduces out of pocket expenses when your vehicle suffers an unexpected mechanical failure and provides peace of mind for worry-free driving.

L OCATIONS No matter where you live or work, AHCU has a location near you. St. Paul Offices United/St. Paul Children s Campus (Main) 360 Sherman Street B-10 St. Paul, MN 55102 Phone: 651-241-8233 Fax: 651-241-5068 Hours: M-Th: 9am - 4pm F: 7:30am - 5pm HealthEast Midway Campus 1700 University Avenue St. Paul, MN 55104 Phone: 651-232-5600 Fax: 651-232-5629 Hours:M-Th: 10am - 4pm F: 10am - 5pm St. Joseph s Hospital 45 10th Street St. Paul, MN 55102 Phone: 651-232-3600 Fax: 651-232-4419 Hours:10am - 4:30pm F: 7am - 3:30pm Minneapolis Office Abbott/Minneapolis Children s Campus 2545 Chicago Avenue S Suite 311 Minneapolis, MN 55404 Phone: 612-813-6050 Fax: 612-813-6052 Hours: M-Th: 9am - 4pm F: 7:30am - 5pm Eagan Office (Bluestone) 1252 Yankee Doodle Road Eagan, MN 55121 Phone: 651-452-3131 Fax: 651-452-5758 Hours:M-F: 8am - 4pm Drive-thru: Mon & Fri: 7am - 6pm Tues-Thurs: 7am - 5pm Fridley Office Unity Hospital 500 Osborne Rd NE, Suite #140 Fridley, MN 55432 Phone: 763-236-3600 Fax: 763-236-3603 Hours:M-Th: 9am - 4pm F: 7:30am - 5pm Coon Rapids Office Mercy Hospital 4050 Coon Rapids Blvd. Coon Rapids, MN 55433 Phone: 763-236-3600 Fax: 763-236-7004 Hours:M-Th: 9am - 4pm F: 7:30am - 5pm Maplewood Office St. John s Hospital 1575 Beam Avenue Maplewood, MN 55109 Phone: 651-232-7600 Fax: 651-232-6601 Hours:10am - 4:30pm F: 7am - 3:30pm After-hours depositories are available at all locations.

A TMs/CASH MACHINES Enjoy free transactions at cash machines located in Minneapolis Children s, United, Mercy, Unity, St John s, St Joe s and Bethesda Hospitals as well as St. Francis Regional Hospital, St Paul Children s Welcome Center, Phillips Eye Institute, Woodwinds Health Campus and HealthEast Midway Campus. Access surcharge-free transactions at MoneyPass ATMs. Look for the MoneyPass logo or look up a location nearest you at www.moneypass.com or from a mobile phone at mobile.moneypass.com. Use your ATM or debit card surcharge-free at most on-premise ATMs that are at Wells Fargo branch locations (other than in California).

Creating a stronger alliance to better serve you our members. Visit us at AHCU.org Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States government. National Credit Union Administration, a U.S. Government Agency