The Website for the credit union will change to www.membersfirstga.com

VALUABLE INFORMATION FOR YOU Chatham Federal Credit Union is now partnered with MembersFirst Credit Union. The last step to complete our partnership is the conversion of your account information and credit union data into the new computer system. Included below, is information about some of the necessary product and operational changes that will occur and how they may affect you. We have scheduled the computer conversion for Monday, February 1, 2016. To accommodate the conversion our offices will be closed on Monday, February 1 st. WHAT WILL CHANGE EFFECTIVE FEBRUARY 1, 2016 The Website for the credit union will change to www.membersfirstga.com Online and Mobile Services Effective Friday, January 29 th, Online Banking will be unavailable on the Chatham Federal Credit Union website. Your new online banking and bill pay, FlexTeller Online Banking, will be available on Tuesday, February 2 nd. You will access FlexTeller Online Banking at the MembersFirst website at www.membersfirstga.com. In the upper left- hand corner of the MembersFirst website, you will find the login for FlexTeller Online Banking. If you have bookmarked or saved www.chathamfederal.com, please delete it from your browser. We have set up a temporary password for you to access FlexTeller. You will need to access FlexTeller Online Banking as follows: User ID: Use your existing Login ID from your Chatham FCU Online Banking Temporary Password: The first letter of your first and last name in UPPERCASE, plus the last four digits of your Social Security number. Your password is case sensitive. For example, if your name is Francis Lester and your Social Security number ends in 4568 your password would be FL4568. Once you login to FlexTeller with your temporary password, you will be prompted to change it to a more secure password that is between 8 and 16 characters in length. We recommend a complex password using a combination of numbers, letters and special characters. You will then be redirected to the login screen where you will need to enter your newly created password. After that you will be prompted to enhance your security. To enhance your security, choose a security image from the ones provided and choose three different challenge questions. The answers to the questions are case sensitive. The image you choose and one of your three questions will be presented each time you login to FlexTeller in the future to let you know that you are connected to the authentic FlexTeller site. If you are using a private computer that is accessible to you only, you can register the computer to bypass the questions in the future. Please note that your account history and check copies prior to February 1 st will no longer be available in online banking. FlexTeller Online Banking is simple to navigate with quick and easy pull down menu selections. Please take some time to verify that your email address is correct by selecting User Profile from the menu options available at the top of the screen and then choose, Manage E- mails. Verify that your email address under Security Contacts is the email address where you want to receive password reset and e- Statement information. If you have problems logging into FlexTeller or navigating the options and functions of the system, you may contact the credit union at (912) 352-2902. If you are a Mobile Banking User, please take the time to read the following paragraph about Mobile Banking and 1

activate your mobile device at the same time. Mobile Banking To access Mobile Banking, you will first need to log in to FlexTeller Online Banking (described in the previous section). Mobile Banking and Mobile Deposit will change to the MembersFirst Credit Union App, available in the Apple App Store and Google Play TM Store. You will need to look for the MembersFirst icon by searching for Membersfirstga as one word. Ensure that you locate MembersFirst Credit Union GA and that the icon you choose has the white star in the burgundy box similar to the picture. The Username and Password for the Mobile App are the same as your FlexTeller Online Banking login. The first time you access the Mobile App, you will be asked to activate your device. You can activate your mobile device by: 1. Accessing the Services Menu in FlexTeller and selecting Device Activation from the list, or 2. Through email. To activate your device through email you will need to follow the prompts in the app. It is best to do this only if you receive email on your mobile device. We recommend that you activate your device using FlexTeller Online Banking. Mobile Deposit Mobile Deposit will be available until Wednesday, January 27 th in the Chatham Federal Credit Union Touch Banking Mobile App. Effective February 2 nd, you can access Mobile Deposit through the MembersFirst Credit Union Mobile App. (Follow the instructions above to download the MembersFirst Mobile App.) If you currently use Mobile Deposit, you will continue to have access to it through the MembersFirst Credit Union Mobile App. You will need to select Deposit from the menu options available in the Mobile App. Please carefully read and follow the Mobile Deposit instructions that appear during the Mobile Deposit process. It is important to note that you will need to endorse all checks and write For Mobile Deposit Only to MFCU on the FRONT and BACK of all checks before depositing through the Mobile Deposit feature. Remember to follow the prompts in the app. Also, please be aware that checks deposited through Mobile Deposit are not available for immediate withdrawal. Mobile Deposit checks are reviewed during normal business hours and holds are released or extended when appropriate, according to the check hold policies of the credit union. Bill Pay Bill Pay is a free service that is accessible through the Services menu in FlexTeller Online Banking. DO NOT ATTEMPT TO SCHEDULE ANY PAYMENTS OR ADD PAYEES to your current Chatham FCU bill pay service after Monday, January 25 th. To access Bill Pay on Tuesday, February 2 nd, visit the MembersFirst website at membersfirstga.com and log in to FlexTeller Online Banking (instructions above). You will need to select Services from the top menu and then select Pay Your Bills from the menu options available. This will take you directly into Bill Pay. If you are an active user of Chatham FCU Bill Pay, all of your payees and last payment dates will be automatically transferred to MembersFirst Bill Pay. You will be able to make payments as usual without reestablishing your payees. However, prior bill pay transactions (history) performed through your old Chatham FCU Bill Pay will not be transferred and will not be available for viewing in MembersFirst Bill Pay. Any payments that are scheduled on or after January 28, 2016 will be processed through the new Bill Pay service beginning on February 1 st. Credit Card Payments Online The procedure for making credit card payments online has changed. You will no longer be able to make a transfer from your checking or savings account through our online banking service. To make a payment, view your credit card transactions, check your balance or schedule recurring payments, you will need to select the Make a Visa Payment button on the MembersFirstGA.com website. This will take you to a log in page for EZCard with the name MembersFirst Credit Union. If you have never accessed EZCard, you will need to select Enroll Now. Enter your credit 2

card information as prompted. Once you have established your security features and password, you will be able to see your card history, and transactions. To make a payment, you will need to select Payments from the top navigation menu and then select Manage Payment Accounts. You will need to select Add a Payment Account. Follow the prompts. This will allow you to add your checking account information. Be sure to use the information available on the bottom of your checks. You can also choose to schedule automatic payments to your credit card from any checking account you choose. You may also contact our call center at (912) 352-2902 and request assistance with transferring your Visa payment over the phone. Remember, you can always mail your Visa payments to the remittance address listed on your statement or bring your payment by our office for posting. You can continue to use your Chatham FCU Visa credit cards. Tele Teller / 24- Hour Phone Banking Tele Teller will change to Audio Response, with a new menu. Audio Response is a free service. The new phone number for Audio Response 24- Hour Phone Banking is (912) 352-0059, effective February 2 nd. The first time you connect to Audio Response, you will be asked to enter your account number followed by the pound (#) sign. No Personal Identification Number (PIN) has been assigned to you. Enter your Social Security number and select a 4- digit PIN when prompted to do so. Once you have entered your new PIN, follow the prompts and re- enter your account number followed by the pound (#) sign and your new PIN. A list of action codes are available below. Action codes are also available online at MembersFirstGA.com under the Personal Banking menu and the sub menu - Phone Banking. Account History Your account history prior to January 31, 2016 will no longer be available on Tele Teller or CFCU Online Banking. Your new account history will begin on February 2, 2016 on FlexTeller Online Banking. You will need to refer to your statements for account information and transaction history that occurred prior to January 31, 2016. Statements Printed statements will have a new look and will only show the name MembersFirst Credit Union. You can sign up for E- Statements online in FlexTeller Online Banking, at our office or on the phone by calling (912) 352-2902. Each month or quarter, depending on your account type or account activity, you will receive an email to notify you that your E- statement is available for viewing on FlexTeller Online Banking. We encourage you to take advantage of this free service to cut down on clutter and reduce the risk of your financial information being exposed in the mail. Wire Transfers The information for receiving and sending wire transfers to and from your Chatham account will change. Effective February 1, 2016 all wires should be sent to MembersFirst Credit Union. Please contact the credit union for wiring instructions. 3

Account Numbers Your member number will remain the same. Shared Branching All deposits and withdrawals made at Shared Branching locations are now free. If you use shared branching centers, be sure to use the new name when you access your account MembersFirst Credit Union in Decatur, Georgia. Account Type Changes Your Chatham FCU Savings and Checking accounts will transfer to the MembersFirst Credit Union computer system on Monday, February 1 st. Your member number will remain the same. However, the account names and descriptions will be converted to the names and descriptions used at MembersFirst. Your Chatham FCU account types are currently identified by a two digit code; at MembersFirst, each account type is identified by a three digit suffix. Please review the information below to see how your savings and checking account types will change. If you have any questions or would like to know the features of any of these accounts or services, please visit www.membersfirstga.com or contact us at (912) 352-2902. Chatham New MembersFirst Account Name / Description Account Type Account Name / Description Suffix Savings 01 Will Change To Savings 001 Free Checking 60 & 61 Will Change To No Fee Checking 035 through 038 Anywhere Checking 62 & 63 Will Change To No Fee Checking 035 through 038 Chatham Checking 66 Will Change To Interest Checking 035 through 038 Money Market 50 Will Change To Money Market 05 Christmas Club 03 Will Change To Christmas Club 30 Second Savings 02 Will Change To Special Savings 10 Escrow Savings 08 & 09 Will Change To Escrow Savings 99 Traditional IRA 81 Will Change To Traditional IRA 028-029; 039 Roth IRA 83 Will Change To Roth IRA 028-029; 039 Roll Over Roth 88 Will Change To Roth IRA 028-029; 039 Educational IRA 89 Will Change To Educational IRA 028-029; 039 50 Plus Checking 64 Will Change To 50 Plus Checking 035 through 038 VIP Checking 65 Will Change To Direct Deposit Checking 035 through 038 Partner Checking 68 Will Change To Direct Deposit Checking 035 through 038 Checking 75 Will Change To Direct Deposit Checking 035 through 038 Checking 76 Will Change To Direct Deposit Checking 035 through 038 Checking 77 Will Change To No Fee Checking 035 through 038 Checking 78 Will Change To No Fee Checking 035 through 038 We appreciate your support, patience and understanding during this exciting time of change. We are working diligently to ensure that you experience a smooth transition and can quickly take advantage of the new products and services that are now available. Please do not hesitate to call us at (912) 352-2902 if you have any questions or concerns. 4

FREQUENTLY ASKED QUESTIONS Will the current branch of Chatham Federal Credit Union in Midtown Savannah remain open? Yes. The current office located at 606 East 67 th Street in Savannah will remain open to serve you as usual. The hours are Monday, Tuesday, Thursday and Friday from 9 am to 4:30 pm and Wednesday from 10 am to 4:30 pm. Checks, Debit Cards and Credit Cards Will I receive a new Visa Debit Card for my checking account? No. Your existing debit card will continue to work. When your card expires, you will be issued a new MembersFirst Credit Union debit card. We are also excited to tell you that, beginning February 2, 2016, all signature based purchases made with your debit card will earn Visa ScoreCard Reward points that you can accumulate and use for travel or merchandise. For more information on Visa ScoreCard Rewards, visit our website at www.membersfirstga.com. Will I continue to receive my 4 free balance inquiries and withdrawals at non- MembersFirst ATMs? Yes, you will continue to receive 4 free ATM withdrawals each month and 4 free ATM balance inquiries each month at non- MembersFirst (foreign) ATMs. Foreign ATM withdrawals or balance inquiries above the 4 free will incur a fee of $1.75. We encourage you to use the network of free ATMs available to MembersFirst members in the Savannah area. For a listing of free ATM locations, please visit our website at www.membersfirstga.com or use the Locations tab on our mobile app. You may also contact our office at (912) 352-2902 and we will be glad to direct you to free ATMs convenient to you. Will I receive new checks? No. You can continue to use your existing checks. When you are ready to reorder checks, please contact our office and we will assist you with ordering new checks with MembersFirst Credit Union information. Will I receive a new Credit Card? No. You may continue using your existing Chatham FCU credit card. Loans, Savings and Certificates Will the rates on my loans change? The rates on your existing loans will remain the same. New loans will be issued at the low rates available at MembersFirst Credit Union. Will the dividend rates on my certificates change? Your certificates will continue to earn dividends at the current rates. When a certificate matures, you have the option to renew the certificate at the rate and term available at that time. Will the dividend rates on my savings account change? Dividends paid on regular savings are the same at Chatham and MembersFirst Credit Union. Will the dividend rates on my Individual Retirement Accounts (IRAs) change? Dividends paid on your IRA savings account will be the same as the dividends paid at MembersFirst. All savings, certificate and loan rates are available at www.membersfirstga.com. Automated Deposits and Debits What will happen to my automatic debits and deductions? Your debits from your credit union account will continue. No action is required on your part. What will happen to my automatic deposits and payroll? 5

Your automatic deposits and payroll will post as usual. No action is required on your part. Will there be new fees? There are minor changes to the fee schedule. Some fees have been reduced or eliminated. A Fee Schedule was provided in your October 2015 Statement. A Fee Schedule is also available online at www.membersfirstga.com. NUMBERS & INFORMATION YOU NEED Mailing Address 606 E. 67 th Street Savannah, GA 31405 Call Center: (912) 352-2902 Fax Number: (912) 352-0838 24- Hour Phone Banking: (912) 352-0059 6