Your Membership Card At Arrowhead you have a member number, which you use anytime you call Arrowhead or login to Online Banking.

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1 Welcome to Arrowhead We are happy to have you as a member. Your accounts will officially convert from Harbor Area Postal Employees Federal Credit Union to Arrowhead on May 1, Your Membership Card At Arrowhead you have a member number, which you use anytime you call Arrowhead or login to Online Banking. You also SAMPLE have a specific account number for each share, which you would use externally for direct deposit and electronic transfers. Your membership card below contains your new information. If you have additional shares and/or loans, please see your ID conversion chart on the next page. Your Direct Deposit If you have an existing direct deposit to your Harbor Area account it will automatically deposit to your Arrowhead account. Your New Debit, ATM and/or Credit Card(s) Soon you ll receive your new Arrowhead card(s), which can be activated at anytime. If applicable, you ll be able to use your credit card on April 27, and ATM/Debit card on May 1. You can create a PIN when you activate your card. Arrowhead Checks We ve included eight starter checks, which you can start using on May 1. Any outstanding Harbor Area checks will clear from the available funds in your account, however we recommend using your Arrowhead checks as soon as possible. Setting Up Online Banking On May 1, you can setup Online Banking. See the enclosed setup guide with step-by-step instructions for logging in for the first time. We have put together a comprehensive list of FAQs that you can find at arrowheadcu.org/harborarea. If you have additional questions, feel free to give us a call at (800) We are here to help make this an easy transition for you, and look forward to having you as a member. Sincerely, Your Arrowhead Member Service Team Always happy to be a member. Member No Checking No

2 How To Read Your Membership Card Your membership card is provided as a quick reference for you, with some basic information. Member No. Use this number when you call in to Arrowhead, visit a branch, or to login to online banking. Always happy to be a member. Member No Checking No Account No. Use this number when setting up automatic payments or direct deposits from outside the credit union. Your Share Accounts Below you will find a list of all of your other shares and loans at Arrowhead. Your shares include the account number you will need to use when setting up automatic payments or direct deposits from outside the credit union. HAPEFCU Suffix HAPEFCU Account Name Arrowhead ID Arrowhead Account Name SAMPLE Share Account Number 1 Checking 1 Arrowhead Checking My Savings 8 Arrowhead Savings Your Loan Accounts Below is a list of all of your loans, please note the suffix may have changed. HAPEFCU Suffix HAPEFCU Account Name Arrowhead ID Arrowhead Account Name 01 New Vehicle 01 New Auto arrowheadcu.org/harborarea Federally Insured by NCUA

3 Setting Up Your Arrowhead Account Activate Your ATM/Debit Card Call (866) Your ATM or Debit card will be arriving soon. You can activate your card at any time, but you won't be able to use it until May 1 at 7am. Your Harbor Area ATM and Debit cards will deactivate on April 30 at 7:30pm. Find Your Account Information Arrowhead routing number: If you have a checking account, you'll find your checking and routing number on the enclosed starter checks. You can also find your account information on your membership card, included in this folder. If you'd like to order a box of Arrowhead checks, please contact us at (800) Once you start using Arrowhead checks, you'll be able to see images of cleared checks in Online and Mobile Banking. Routing No. Checking Account No. Setup Online Banking Enroll in Online Banking on May 1 to get access to convenient features like estatements, Bill Pay, and account alerts. You'll also be able to view your statement history, including your last 18 months of HAPEFCU statements. Once you sign up for Online Banking on a computer, you then have access to use the Arrowhead App on your Android or ios device. Visit arrowheadcu.org and follow the instructions on the back of this flyer to get started. arrowheadcu.org/harborarea Federally Insured by NCUA

4 Online Banking Setting Up Online Banking Go to 1 In the login box in the upper right corner, click Register. 2 Enter your member number, click Submit. A temporary password will be ed to your address on file. If you are not registered for Online Banking with HAPEFCU, please call (800) for your temporary password. 3 Retrieve the with your temporary password and return to the login screen at arrowheadcu.org. Enter your member number and temporary password in the login box and click Login. 4 Create a permanent password it is case sensitive and must be 8-20 alpha-numeric characters. 5 Set up at least 4 security questions for the account. All answers will be multiple choice. Setting Up Bill Pay 1 Log in to Online Banking 2 Click on Bill Pay at the top of the page 3 Click Add a Payee 4 Enter payee information and click Add 5 Click Add a Payment 6 Select your added payee from the list, and enter the payment amount and frequency Setting Up Account Alerts Custom alerts are a great way to stay informed of what's happening with your account. 1 Log in to Online Banking 2 Click on Alerts at the top of the page 3 Click Add Alert 4 Accept the terms and conditions and click Submit 5 Select an alert type from the drop-down list 6 Customize your alert and click Submit *Rates and offers shown for demonstration only. Visit arrowheadcu.org for current rates and offers. arrowheadcu.org/harborarea

5 0101 Date TO FOR BALANCE ADD deposits or SUBTRACT charges NEW BALANCE 1234 Main Street Anytown, CA Pay to the Order of DATE DOLLARS 0101 Security features are included. Details on back. THIS CHECK MP BAL FORWARD Date TO FOR BALANCE ADD deposits or SUBTRACT charges NEW BALANCE Main Street Anytown, CA Pay to the Order of DATE DOLLARS 0102 Security features are included. Details on back. THIS CHECK MP BAL FORWARD 0103 Date TO FOR BALANCE ADD deposits or SUBTRACT charges NEW BALANCE SAMPLE 1234 Main Street Anytown, CA Pay to the Order of DATE DOLLARS 0103 Security features are included. Details on back. THIS CHECK MP BAL FORWARD 0104 Date TO FOR BALANCE ADD deposits or SUBTRACT charges NEW BALANCE 1234 Main Street Anytown, CA Pay to the Order of DATE DOLLARS 0104 Security features are included. Details on back. THIS CHECK MP BAL FORWARD

6 FACTS Why? WHAT DOES ARROWHEAD CREDIT UNION DO WITH YOUR PERSONAL INFORMATION? Rev. March 2018 Financial companies choose how they share your personal information. 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 information. Please read this notice carefully to understand what we do. What? How? The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and account balances Payment History and transaction history Credit history and credit scores When you are no longer our member, we continue to share information as described in this notice. All financial companies need to share members personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members personal information; the reasons Arrowhead Credit Union chooses to share; and whether you can limit this sharing. Reasons we can share your personal information For our everyday business purposes such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Does Arrowhead Credit Union share? Yes Can you limit this sharing? No For our marketing purposes to offer our products and services to you Yes No For joint marketing with other financial companies Yes Yes For our affiliates everyday business purposes information about your transactions and experiences For our affiliates everyday business purposes information about your creditworthiness For nonaffiliates to market to you see definition on reverse No No Yes We don t share We don t share Yes To limit our sharing Questions? Reply electronically by visiting us online: Call to speak with a representative Mail in the Opt-Out Notice on page 3 Please note: If you are a new member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our member, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. Call M-F 8am 6pm and Sat 9am-2pm or go to

7 Page 2 What we do How does Arrowhead Credit Union protect my personal information? How does Arrowhead Credit Union collect my personal information? Why can t I limit all sharing? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to those employees for whom access is appropriate. We collect your personal information, for example, when you Open an account or apply for a loan Pay your bills through bill payment Use your debit card or deposit money We also collect your personal information from others, such as credit bureaus and other companies. Federal law gives you the right to limit only sharing for affiliates everyday business purposes information about your creditworthiness affiliates from using your information to market to you sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law. What happens when I limit sharing for an account I hold jointly with someone else? Definitions Affiliates Non-affiliates Joint marketing Your choices will apply to everyone on your account. Companies related by common ownership or control. They can be financial and nonfinancial companies. Arrowhead Credit Union has no affiliates. Companies not related by common ownership or control. They can be financial and non-financial companies. Companies not owned by Arrowhead Credit Union that are contracted to provide member services. Nonaffiliates we share with can include mortgage companies and insurance providers. A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include investment companies and insurance providers. Other Important Information California state law gives you additional rights to limit information sharing with our joint marketing partners even if such sharing is otherwise permitted under federal law. Please read the enclosed form entitled Important Privacy Choice for Consumers which includes details on how you can limit our information sharing under California law. If you have previously opted-out and would like to keep the same preference, you do not need to opt out again.

8 Page 3 Mail-in Form-Federal Privacy Opt-Out Notice Mark if you want to limit: Do not share my personal information for joint marketing with other financial companies Do not share my personal information with nonaffiliates to market their products and services to me. Name Address City, State, Zip Account Number Mail to: Arrowhead Credit Union Attn: Dept. 072 PO Box 4100 Rancho Cucamonga, CA Signature: Date:

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