WELCOME GUIDE. HERE FOR your FINANCIAL JOURNEY

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1 WELCOME GUIDE HERE FOR your FINANCIAL JOURNEY

2 Thank you for choosing Mid-Hudson Valley Federal Credit Union. We pride ourselves on providing the fnancial guidance and services you need for every step of your journey. From planned life events to the inevitable curveballs that life likes to throw, having a trusted fnancial partner makes your life a little bit easier. WELCOME WELCOME TO MHV

3 ACTIVATE YOUR MHV VISA REWARDS DEBIT CARD TODAY AND UNLOCK: SECURE PAYMENTS Shop with confdence knowing your debit card is backed by Visa s fraud protection. DOUBLE REWARDS Your debit card comes with two rewards programs! MHV Rewards Visit MHVRewards.com to set up your account and start earning points automatically! Earn points every time you shop! Receive 1 point for every $100 when you chose to sign for your purchase and ½ point for every $100 when you choose to use your PIN Earn bonus points when you use the MHV Rewards Portal to shop online at your favorite retailers Purchase Rewards Earn cash back at the stores you love! Simply view and add your offers on Online Banking or the MHV Mobile App The more offers you use, the more you get! Terms and conditions apply. Subject to change or termination at the discretion of MHV. MOBILE WALLET Don t forget to add your MHV Visa Rewards Debit or Credit Card to your Apple Pay, Samsung Pay, Google Pay or Microsoft Wallet to make easy and secure payments! NATIONWIDE ACCESS Thanks to our extensive ATM network, your MHV Rewards Debit Card can be used at over 118,000 surcharge-free* ATMs across the country. Use the Locations feature on our app to fnd the ATM nearest you. *Regular transaction fees may apply. See Fee Schedule for details.

4 BILL PAY Set up your bill pay items to avoid missing a payment! Bill payments are debited from your checking account 1-2 business days after the payment send on date. They are reflected in your account as ACH withdrawals with a description of MHV BILLPAYER + BILL PAYMT. ACCOUNT TO ACCOUNT (A2A) TRANSFERS This service allows you to transfer funds between your MHV accounts and accounts you have at other fnancial institutions. edocs estatements Electronic access to your statements and notices. Your account includes free estatements, which securely delivers your banking statements into your Online Banking account. You can view your history anytime via the edocs/estatement portal. mymoney TRAIL This budgeting tool allows you to track and plan your spending and savings. Your MHV information automatically displays, and you can add in information from non-mhv accounts. This free* and secure service allows you to send and receive money from anyone directly from or into your account. Get a headstart on tax season when you fle through MHV Online Banking! *Fee may apply for expedited service ACCOUNT ALERTS Set up alerts to notify you when your loans are due, if your account reaches a certain balance, if there are withdrawals over a certain amount, and more. CARD FRAUD ALERTS Be alerted via text of potentially fraudulent activity on your MHV Debit or Credit Card. YOUR JOURNEY STARTS HERE Register for Online Banking to access tools to help you manage your accounts. Visit mhvfcu.com and click Register Now or sign up directly from the MHV Mobile App.

5 USE THE MHV MOBILE APP TO MANAGE YOUR ACCOUNT WHEREVER YOU ARE Download the MHV Mobile App from itunes App Store or Google Play Store Sign up directly from the app or use your existing online banking credentials WITH THE MOBILE APP YOU CAN: Check Your Balance Use Bill Pay Transfer Funds Use Mobile Check Deposit* Load Purchase Rewards Locate ATMs and Branches Use Popmoney Pay Your MHV Loan & Credit Card DEPOSIT YOUR CHECK Mobile Check Deposit allows you to deposit checks right from your mobile app! Simply use the Check Deposit feature on our app to take a photo of your check and have it deposited into your account. *Account must be opened for 30 days before this feature is available on the app.

6 SET UP DIRECT DEPOSIT. Contact your payroll department to have your paycheck deposited directly into your MHV Checking Account. NEXT STEPS MHV S ROUTING NUMBER: NEED HELP SWITCHING YOUR DIRECT DEPOSIT OR BILL PAYMENTS? REQUEST YOUR COMPLIMENTARY SWITCH KIT! VISIT MHVFCU.COM/CHECKING

7 FIND MHV WHEREVER YOU ARE BRANCH LOCATIONS We have 13 convenient branch locations across the Mid-Hudson Valley. Located in Ulster, Dutchess and Orange Counties, our branches are open from 8am to 6pm Monday through Friday, and 9am to 2pm on Saturday. See back cover for map and locations. PERSONAL TELLERS Our Personal Teller (PT) service offers you extended banking hours at every one of our 13 branch locations. These live, local tellers interact with you via video and can handle almost all of your fnancial transaction needs. PTs operate from 6am to 11pm every day of the week. Visit our website for holiday hours. CALL CENTER , x Monday Friday: 8am 8pm Saturday: 8am 5pm EARS BANK-BY-PHONE 24/7 Electronic Automated Response System to check account balance and recent transactions, make loan payments and transfer funds , dial 2 AFTER-HOURS VISA DEBIT CARD SERVICE Debit: Lost/Stolen Card: Debit PIN Changes:

8 SURCHARGE-FREE* ATMS Thanks to our partnership with several ATM networks, MHV is proud to offer over 118,000 surcharge-free* ATMs across the country. ATMs can be located via the mobile app or on our website. *Regular transaction fees may apply. See Fee Schedule for details. FINDING US 118,000 16,200 16,000 1,500 Be sure to look for these logos at retail stores like Target, CVS, and Speedway: *December 2017 comparison based on claims located at bankofamerica.com, mtb.com, and chase.com

9 WHEREVER YOUR JOURNEY TAKES YOU, MHV S LENDING SOLUTIONS EMPOWER YOU TO SAY, Yes, I Can! BUY MY FIRST HOME MHV makes the home buying process easy with affordable options and an in-house team of experts to guide you through the home buying process from pre-qualifcation to closing. CAR SHOP WITH CONFIDENCE Get the best deal by getting pre-approved for your MHV Auto Loan before heading to the dealership. You ll have peace of mind knowing you ve locked in your fnancing and can enjoy rate discounts with MHV Auto Pay. PROTECT MYSELF IN AN EMERGENCY WITH A LINE OF CREDIT An MHV Personal Line of Credit is an approved amount that can be accessed up to your approved limit. As you pay down your balance, you can access available funds as needed.

10 PAY DOWN DEBT An MHV Personal Loan gives you the freedom and flexibility to consolidate your debt or pay for vacations, home improvements, medical expenses and more! LOWER MY MONTHLY PAYMENT If you re looking to lower your monthly car payment, shorten your term or reduce your rate, consider refnancing your auto loan to MHV. FINANCING YOUR JOURNEY USE THE EQUITY IN MY HOME Put the value of your home to good use for home improvements, weddings or events, education expenses and more! PURCHASE ITEMS WITH A LOWER INTEREST RATE Experience the convenience and security of shopping, dining and travel with an MHV Visa Credit Card. MHV has different card choices depending on your spending style, all with no annual fee. INTERESTED IN APPLYING FOR AN MHV LOAN OR LINE OF CREDIT? Apply directly within Online or Mobile Banking, at mhvfcu.com, call or stopping in to any one of our branches.

11 HANDLE THE UNEXPECTED We know managing your checking account can sometimes be a balancing act. MHV offers several services to give you some peace of mind. OVERDRAFT OPTIONS Even when we manage our accounts responsibly, we may find ourselves in a situation when we need a little help. MHV s Overdraft Options allow you to cover your expenses in those situations. View our Fee Schedule for fee details. Overdraft linked to your Savings Account will automatically pull available funds from your Savings Account to cover transactions charged to your Checking Account when there aren t enough funds in the Checking Account. Overdraft linked to your Line of Credit will automatically pull available funds from your Line of Credit to cover transactions charged to your Checking Account when there aren t enough funds in the Checking Account. NO BOUNCE COURTESY PAY Courtesy Pay is a service that will cover your checks, automatic payments (ACHs), debit card transactions and ATM withdrawals in the event you do not have enough funds in your Checking or Savings Account. This service allows your account to be drawn negative to cover the transactions. Fees apply, see Fee Schedule for details. Courtesy Pay for your checks and ACHs is included with your eligible account. Courtesy Pay for your one-time debit card transactions and ATM withdrawals requires your enrollment.

12 PERKS PACKAGE Your MHV Checking Account comes with access to our exclusive Perks Package, offering you the protection of IDProtect and Credit Report Monitoring. Perks will monitor your social security number against hundreds of databases, watching for potentially fraudulent usage. You ll also receive credit report monitoring and alerts, plus access to your credit score and reports from all three bureaus every quarter. The Perks Package also includes all of the following: Cell Phone Insurance Entertainment Savers Guide Discounted Gas & Gift Cards EARN, SAVE & PROTECT THE PERKS PACKAGE IS FREE WITH AN ULTRA CHECKING ACCOUNT. All other checking accounts enjoy a 90-day free trial with a nominal monthly charge thereafter.

13 INSURANCE TO PROTECT WHAT MATTERS MOST Protect all you hold valuable with the assurance that you re not paying too much to do so. With the Mid-Hudson Valley Insurance Agency, you have the ability to shop several leading carriers at your fngertips. From Auto to Home Owner s, Renter s to Recreational Vehicles, we have you covered. Own your own business? Ask about our business lines of coverage, too. AUTO MOTORCYCLE ATV RV HOMEOWNER S/RENTER S BUSINESS Visit mhvfcu.com/insuranceagency or call us at for a free, no-obligation quote. Mid-Hudson Valley Insurance Agency is an affliate of Mid-Hudson Valley Federal Credit Union, is not an obligation of the credit union, is not guaranteed by MHVFCU, and not insured by NCUA/NCUSIF.

14 ADVICE TO GUIDE YOU ON YOUR JOURNEY We understand that your fnancial journey isn t always clear and, even when it is, it helps to get guidance from someone who has the experience and commitment to help you along the way. MHV s Investment & Retirement Center gives you access to fnancial professionals whose expertise and knowledge will help you manage every step of your fnancial journey. Whether you re just starting out or facing retirement soon, our representatives will work with you to solidify your understanding of and plan for your individual situation. INVESTMENT PLANNING RETIREMENT PLANNING EDUCATION FUNDING LIFE INSURANCE PLANNING RETIREMENT SAVINGS ESTATE CONSERVATION LONG TERM CARE MUTUAL FUNDS STOCKS/BONDS INSURE & FINANCIAL GUIDANCE Call x or 3126 to schedule a no-cost, no-obligation consultation today! Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with the fnancial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. The CFP certifcation marks are not affliated with CUNA Brokerage Service, Inc.

15 BUSINESS BANKING SOLUTIONS MHV s Business Banking Solutions are a better way to help you manage your money and your business with ease. Our full line of business products includes: Business Loans ADP HR Services and Payroll Processing Business Credit and Debit Cards Business Free Checking Business Lines-of-Credit Small Business Administration Loans Commercial Mortgages Business Ultra Checking with Interest Call us at or stop into any branch to learn more about our Business Services. WE OFFER A 24-HOUR EXPRESS BUSINESS LOAN APPROVAL on Loans and Lines of Credit up to $25,000* *Restrictions may apply. See branch for details. CORPORATE PARTNER PROGRAM Our Corporate Partner Program is a no-cost way to supplement the benefts you currently offer your employees. Enhanced checking accounts for your employees, referral and direct deposit bonuses and fnancial wellness seminars are all included with the Corporate Partner Program. Contact our Business Development Offcer at x.3555 for more information.

16 R REFER Y YOUR F FRIENDS To open an MHV Checking Account, and you ll both get $50* Want More Info? Go to mhvfcu.com/refer REFER YOUR FRIENDS To open an MHV Checking Account, and you ll both get $50* Want More Info? Go to mhvfcu.com/refer REFER YOUR FRIENDS To open an MHV Checking Account, and you ll both get $50* Want More Info? Go to mhvfcu.com/refer

17 Refer your friends and family to MHV Checking, and you both can get $50!* HERE'S HOW: To be filled out by Referring Member: 1. Complete this form with your name, address and phone number. 2. Give it to a friend or family member and recommend any MHV Checking Account. 3. When they present this coupon and open a checking account with a debit card, and set up direct deposit, you'll each get $50!* Name: Address: City: State: Zip: Phone #: For MHV use only: Referring Branch # Referring Employee Person # * For either party to receive $50 bonus, member must qualify, open and maintain a new checking account with a debit card and set up direct deposit of $500 or more into the new checking account within 60 days of account opening or bonus will be forfeited. Existing members must be in good standing. One bonus per member with no additional or previous checking accounts within the past 2 years. Bonus will be deposited in primary share within 30 days of direct deposit and is subject to IRS reporting. Original coupon must be completed and presented at time of account opening. O fer subject to terminate at any time. Cannot be combined with any other o fer. Federally Insured by NCUA. Want More Info? Go to mhvfcu.com/refer Refer your friends and family to MHV Checking, and you both can get $50!* HERE'S HOW: To be filled out by Referring Member: 1. Complete this form with your name, address and phone number. 2. Give it to a friend or family member and recommend any MHV Checking Account. 3. When they present this coupon and open a checking account with a debit card, and set up direct deposit, you'll each get $50!* Name: Address: City: State: Zip: Phone #: For MHV use only: Referring Branch # Referring Employee Person # * For either party to receive $50 bonus, member must qualify, open and maintain a new checking account with a debit card and set up direct deposit of $500 or more into the new checking account within 60 days of account opening or bonus will be forfeited. Existing members must be in good standing. One bonus per member with no additional or previous checking accounts within the past 2 years. Bonus will be deposited in primary share within 30 days of direct deposit and is subject to IRS reporting. Original coupon must be completed and presented at time of account opening. O fer subject to terminate at any time. Cannot be combined with any other o fer. Federally Insured by NCUA. Want More Info? Go to mhvfcu.com/refer Refer your friends and family to MHV Checking, and you both can get $50!* HERE'S HOW: To be filled out by Referring Member: 1. Complete this form with your name, address and phone number. 2. Give it to a friend or family member and recommend any MHV Checking Account. 3. When they present this coupon and open a checking account with a debit card, and set up direct deposit, you'll each get $50!* Name: Address: City: State: Zip: Phone #: For MHV use only: Referring Branch # Referring Employee Person # * For either party to receive $50 bonus, member must qualify, open and maintain a new checking account with a debit card and set up direct deposit of $500 or more into the new checking account within 60 days of account opening or bonus will be forfeited. Existing members must be in good standing. One bonus per member with no additional or previous checking accounts within the past 2 years. Bonus will be deposited in primary share within 30 days of direct deposit and is subject to IRS reporting. Original coupon must be completed and presented at time of account opening. O fer subject to terminate at any time. Cannot be combined with any other o fer. Federally Insured by NCUA. Want More Info? Go to mhvfcu.com/refer