BRIDGE TO THE (502)

BRIDGE TO THE (502) 564-4775

Future 2 3 4 5 6 7 8 9 10 11 12 A LETTER FROM KAREN YOUR NEW ACCOUNT NUMBERS DEBIT CARDS, CREDIT CARDS, CHECKS, AND AUTO LOANS AUTOMATIC PAYMENTS AND BILL PAY ONLINE, MOBILE, AND TELEPHONE BANKING MOBILE DEPOSITS YOUR NEW PAPER STATEMENT MAKE THE MOST OF YOUR CCU OWNERSHIP PRODUCTS Q&A COME VISIT US!

I M HONORED TO WELCOME YOU TO COMMONWEALTH CREDIT UNION! In 1951, a few brave members opened the doors of Commonwealth Credit Union to do things a little differently. While a lot has changed since then, what hasn t changed is our focus on people, not profit. Plus - we re still owned and operated by all 100,000+ of our members - and now, you re one of them! When you re part of the Commonwealth CU family, you re not just a number - you re an owner. And you re treated like one. Our care for others, coupled with our financial strength, gives our owners an advantage to fulfill their dreams. We recognize when opportunities are available and introduce them in a time frame suited to our owners needs. We take great pride in keeping a clear, direct focus on those financial needs and turning them into reality. The values and vision we have for our credit union are passed down through extraordinary service in our branches. We are proud of the difference we make in the lives of our owners each and every day. I m passionate about staying connected. I love to visit all the branches and talk with our owners. Your stories, experiences, and the opportunity to build a relationship is important to me. By staying connected, I m able to listen and work to find solutions that will better your life. We can t wait to show you our commitment to exceptional service, and how we better lives. We re thrilled to have you as a part of the Commonwealth CU Family. HAVE QUESTIONS? Bring them straight to me at CCUKY.ORG/LMPO. PRESIDENT/CEO BETTERING LIVES SINCE 1986 2

YOUR NEW CCU MEMBER & ACCOUNT NUMBERS STARTING OCTOBER 1, 2018: ALL LOUISVILLE METRO POLICE MEMBERS WILL HAVE A NEW CCU MEMBER NUMBER. YOUR COMMONWEALTH CREDIT UNION MEMBER NUMBER WILL BE 10 digits total It will START with 36 It will END with your current LMPO Member Number Fill in the middle with zeros to make 10 digits total TO DETERMINE YOUR NEW NUMBER, TAKE YOUR CURRENT LMPO MEMBER NUMBER AND FILL IN THE BOXES TO THE FAR RIGHT. IN THE SPACE LEFT OVER, FILL IN WITH 0 S UNTIL YOU HAVE A COMPLETE 10 DIGIT NUMBER. REFER TO THE EXAMPLE BELOW. For Example: If your current LMPO Member Number is: 12345, your NEW Commonwealth Credit Union Member Number will be: 36 000 12345 or 3600012345. 3 6 0 0 0 1 2 3 4 5 STANDARD FILLER YOUR CURRENT NUMBER NOW, LET S FIGURE OUT YOUR NUMBER: 3 6 STANDARD PLACE YOUR CURRENT MEMBER NUMBER TO THE FAR RIGHT OF THE SPACES ABOVE AND FILL IN ANY EMPTY SPACE WITH 0 s. COMMONWEALTH CREDIT UNION S ROUTING NUMBER: 283978441 Your accounts will continue to use a number that is a variation of your primary Commonwealth Credit Union member number. This provides a great way to manage multiple account types! Your NEW Commonwealth Credit Union member number and account numbers will be used moving forward. If you have automatic payments using your checking account and routing number, there is no need to change anything you currently have scheduled (for example: direct deposits, transfers, and payments). We ve taken steps to ensure these will continue to process as they should. 3

DEBIT CARDS, CREDIT CARDS, AND CHECKS YOUR NEW COMMONWEALTH DEBIT CARDS - ARRIVING SOON If you currently have a LMPO Debit Card - be on the lookout for your NEW Commonwealth Credit Union cards. Once you receive your card, if you haven t already, simply follow the instructions on the card or on the insert included with the card. You can activate the card immediately, but you ll have to wait until after the conversion on October 1, 2018 to begin using your card. If the new card is used prior to October 1, your transaction will be declined. YOU WILL BE RECEIVING A DEBIT CARD FOR EACH OF YOUR ACCOUNT TYPES (I.E., PRIMARY, JOINT, ADDITIONAL). EACH DEBIT CARD WILL HAVE A UNIQUE AND INDIVIDUAL CARD NUMBER. YOUR CURRENT LMPO DEBIT CARDS Your current LMPO Debit Cards will work until close of business on Sunday, September 30, 2018. Transactions will be approved based on your available balance at close of business on Friday, September 28. Please plan to have an alternate form of payment during conversion weekend, just in case. YOUR LMPO CHECKS For now, your LMPO checks will continue to clear through your new Commonwealth Credit Union Checking Account. We will let you know when your LMPO Checks will no longer be accepted. At any time after conversion weekend, you can order checks with your new CCU checking account number. To order your checks through Commonwealth CU, call 502.564.4775 or stop by your local branch to place your initial order. After your initial order, you can conveniently reorder your checks within Online Banking. YOUR CURRENT LMPO CREDIT CARD Your current LMPO Credit Card will continue to work during conversion weekend and for a period of time afterwards. Please watch for a separate mailing regarding the transition of your credit card from LMPO to Commonwealth Credit Union, which will take place in mid-october. AUTO LOANS If you have an auto loan with LMPO, in order for us to provide you the best service possible for your auto loan, we will need your insurance information for the vehicle. This can be done quickly and easily by visiting www.myinsuranceinfo.com, on or after 10/5/18. You will be requested to enter your car s VIN and insurance information, so have it with you when you log on. Please note: This site will not be able to validate your vehicle s VIN before 10/5/18. You or your agent can also update your information by sending your insurance verification information to the below address. Along with providing us information, it is important for your insurance agent to update the lien holder information on your policy. This will help expedite payment to you should you need to file an insurance claim. Below is the updated lien information you need to provide to your agent: COMMONWEALTH CREDIT UNION INSURANCE CENTER P.O. BOX 5009 WESTFIELD, IN 46074 FAX: 800-709-4820 4

AUTOMATIC PAYMENTS AND BILL PAY BILL PAY All previously scheduled payments and payees will remain the same and will be paid as scheduled. To schedule any new bill payments, you will need to do so on your current LMPO account before September 28 or on your new Commonwealth Credit Union account after October 1. You will not be able to schedule new payments or cancel existing payments during Conversion Weekend. Please note, CCU Bill Pay may take up to 2 days for your account balance to reflect the withdrawn payment. Don t worry - electronic payments will arrive on the due date stated within Bill Pay, but we will not take the funds out until this date. Funds for check payments will be taken when the check is presented for payment. Please keep this in mind when referencing your available balance, as it will not reflect pending bill pay charges. Moving forward, post conversion, funds will no longer pull from your account on the process date. You are now on a due date payment model. The day you select as the due date is the same date the funds will pull from your checking account for electronic Bill Pay payments. AUTOMATIC PAYMENTS USING YOUR LMPO DEBIT OR CREDIT CARD If you have set up automatic payments using your debit card, you will need to update your account information after conversion weekend. This would include things like streaming television, music services, and gym memberships. If you have set up automatic payments using your credit card, you will receive information in mid-october that will outline how your payments will be handled. AUTOMATIC PAYMENTS USING YOUR CHECKING ACCOUNT NUMBER Previously set up payments will continue as scheduled. Any payments set up after October 1 will need to be set up using your new Commonwealth Credit Union checking account number along with your new CCU routing number, which is 283978441. CONCERNED ABOUT OVERDRAFTS ON YOUR CHECKING ACCOUNT? Great news! All accounts in good standing will have access to overdraft privilege on your new Commonwealth Credit Union account. If you are currently enrolled in Overdraft, you will continue to have access to $500 in overdraft privilege. If not, accounts in good standing will automatically be enrolled and have access to $300. Standard CCU eligibility and fees will apply. Please refer to the Rate and Fee disclosure previously mailed to you. In the event of an overdraft, please note that CCU does not send overdraft notices. Any overdrafts will be present in your online banking history and on your detailed statement.

ONLINE, MOBILE, AND TELEPHONE BANKING AFTER 8 AM ON OCTOBER 1, YOU WILL HAVE ACCESS TO ONLINE BANKING. WE HAVE AUTOMATICALLY ENROLLED YOU IN THIS PROGRAM TO PROVIDE CONVENIENT ACCESS TO YOUR ACCOUNT. VISIT CCUKY.ORG TO LOG-IN. TO DETERMINE YOUR ID AND PASSWORD, FILL IN THE FOLLOWING: FOR YOUR ONLINE BANKING ID L M P O STANDARD LAST FOUR DIGITS OF YOUR OLD LMPO MEMBER NUMBER FOR YOUR ONLINE BANKING ID PASSWORD L M P O STANDARD LAST FOUR DIGITS OF YOUR SSN When you log in for the first time, you will be prompted to change your password. We also recommend that you change your Online Banking ID at that time. Simply log in and click options. Scroll down to Modify Login Information and enter your new ID. After accessing your account through online banking, you will be able to use our mobile banking app, Commonwealth CU Go Mobile. This mobile app is available for iphone users in the App Store and the Google Play Store for Android users. Search Commonwealth Credit CU Go Mobile in the App or Google Play Store and follow the install instructions. To use automated telephone banking, call 800.435.5463 after 8:00 am on October 1 and follow the prompts. These services are safe, secure, convenient, and free! The first time you log on, you will notice that your history will only be available from October 1, 2018. Should you need access to previous statements, please contact us and we will be happy to assist you. UPDATE YOUR INFORMATION Once you re in the online banking portal, please take a minute to verify that your current email address and phone number are correct. You can do this by going to Preferences and selecting My Profile. We strive to be sure that your banking experience is as safe and secure as possible. When you update your info, we re able to stay connected with the most up-to-date information available! 6

MOBILE DEPOSITS Once you register for online banking and download the mobile banking app, you will have access to deposit checks using your smartphone. Simply open the mobile banking app, login, and click on mobile deposit in the menu. Be sure to include For Commonwealth Credit Union Mobile deposit only in your endorsement. Follow the prompts to snap a picture of the front and back of your check and make the deposit without ever stepping foot in a branch. You can deposit up to $5,000 and $200 is immediately available. DID YOU KNOW YOU CAN NICKNAME YOUR ACCOUNTS? Assign names to your deposit accounts like Bills Account or Vacation Fund. Log on to your account in online banking, click on the Options tab then select Account. Find the account you want to nickname and assign it a Pseudo Name. These new names will appear in online and mobile banking. CCU employees will also be able to see these names when serving you! 7

YOUR NEW PAPER STATEMENT BELOW IS AN EXAMPLE OF YOUR COMMONWEALTH CREDIT UNION STATEMENT THAT YOU WILL RECEIVE IN NOVEMBER FOR THE MONTH OF OCTOBER. PO BOX 978 FRANKFORT, KY 40602-0978 800.228.6420 502.564.4775 www.ccuky.org ADDRESS SERVICE REQUESTED Differently YOUR STATEMENT OF ACCOUNTS 01/01/2018-01/31/2018 YOUR ACCOUNT NUMBER XXXXXXXXXX PAGE 1 CCU OWNER ADDRESS LINE 1 ADDRESS LINE 2 ID# TYPE SUMMARY-SHARE ACCOUNTS BEGINNING BALANCE ENDING BALANCE 00 SERVICE $XX.XX $XX.XX 00 SERVICE $XX.XX $XX.XX 00 SERVICE $XX.XX $XX.XX TOTAL: $XX.XX TAXABLE DIVIDENDS YTD: $XX.XX ID# TYPE SUMMARY-LOAN ACCOUNTS BEGINNING BALANCE ENDING BALANCE 00 SERVICE $XX.XX $XX.XX 00 SERVICE $XX.XX $XX.XX 00 SERVICE $XX.XX $XX.XX TOTAL: $XX.XX INTEREST YTD: $XX.XX ROUND-UP CHECKING TRANS Jan. 01 Jan. 31 EFF DATE TRANSACTION BEGINNING BALANCE ENDING BALANCE WITHDRAWAL DEPOSIT BALANCE $XX.XX $XX.XX DIVIDEND SUMMARY ACCOUNT ROUND UP CHECKING 00 TOTAL DIVIDENDS YEAR TO DATE $XX.XX $XX.XX PERSONAL REVOLVING TRANS Jan. 01 Jan. 31 EFF DATE TRANSACTION TOTAL BEGINNING BALANCE ENDING BALANCE ANNUAL PERCENTAGE RATE 10.400% PERIODIC RATE (DAILY).028493% CREDIT LIMIT $XX.XX CREDIT AVAILABLE $XX.XX INTEREST PAID YEAR TO DATE $XX.XX LOAN ACCOUNT ID 00 PRINCIPAL BALANCE $XX.XX $XX.XX CREDIT REPORTING: To ensure you get the credit you deserve, Commonwealth Credit Union reports consumer loans to TransUnion and Equifax and Mortgage loans to those two agencies plus Experian. 8

MAKE THE MOST OF YOUR COMMONWEALTH CREDIT UNION OWNERSHIP! WHO PAYS YOU 5% APY* ON YOUR SPARE CHANGE? We do! Your debit transactions will be rounded up to the next whole dollar amount The rounded up funds will be deposited into the Round UP Savings Account We ll match 100% of the rounded up transfers for the first 90 days, and 5% thereafter for a maximum of $250 per year 5% is paid on the Round UP Savings share Annually on December 31 YOUR ROUND UP SAVINGS WILL EARN 5% APY* PAID ANNUALLY** *Annual Percentage Yield assuming dividends are reinvested. No additional deposits will be allowed into the Round UP Savings Account. Rates subject to change without notice. **estatement/online Banking enrollment is required. LOOKING TO APPLY FOR A LOAN? It s easy! You can apply online at ccuky.org/applynow, by calling 1.800.228.6420, or in person at any of our 15 branch locations. 9

CHECKING ACCOUNTS: Put our checking accounts to the test and sign-up for our free checking. VEHICLE REFINANCE: Do you LOVE your car, but not the interest rate? Then it s time for a U-Turn. With auto refinancing from Commonwealth Credit Union, a better rate is waiting. CREDIT CARDS: When you need to buy it, our family of Visa credit cards gets it done. Choose from MY Card, Visa Platinum, and Visa Classic. FULL HOME LENDER: From 1st and 2nd mortgages, to home equity loans and investment property options, we have a solution for you. NATIONWIDE ATMs: Tens of thousands of surcharge-free ATMs are available. GO MOBILE: Anywhere and anytime, access your account through our website or our mobile banking apps. CU PAY: We ve got your back. See all transactions and real-time balances from your mobile device, and receive suspicious activity alerts via Email, text, push notifications, and more. SAVINGS ACCOUNTS: We offer several savings options including Youth Accounts, First Home Savings Plus, and Hideaway Accounts. PAYROLL DEDUCTION AND DIRECT DEPOSIT: Automatically deposit your paycheck into your savings or checking account. INDIVIDUAL RETIREMENT ACCOUNTS: Do you have a retirement plan? We ve got an array of savings products and services that fit your lifestyle at every stage, including IRA/Roth Savings Accounts, Certificates, and Money Market Accounts. STUDENT LOANS & CONSOLIDATION: Need funding for college? We ve done our homework, and the cuscholar Private Student Loan might be the right answer for you. GROW WITH ME CERTIFICATE SPECIAL: Available October 1st-31st, this youth certificate allows for annual deposits between $250 and $1,000 until the certificate matures on the child s 18th birthday. FEDERALLY INSURED: Rest assured! Your funds are federally insured to $250,000 for savings accounts and an additional $250,000 for Individual Retirement Account (IRA) funds provided by the National Credit Union Administration (NCUA), a government agency, and an additional $100,000 by Excess Share Insurance (ESI), a private company that only insures credit unions meeting the highest standards. This is a total of $350,000 in insured funds. TO LEARN MORE ABOUT THESE PRODUCTS AND SERVICES, VISIT US AT CCUKY.ORG/LMPO AND CLICK ON THE APPLICABLE LINK. Rewards full terms and conditions will be presented at enrollment to the rewards program. Must open a Commonwealth CU Regular Savings Account and make monthly deposits in accordance with the plan term. Online Banking and estatement are required. Minimum term of 6 monthly deposits and maximum of 35 monthly deposits required. Must close a mortgage loan with Commonwealth CU within 12 months of the end of monthly savings deposit term. Commonwealth CU will match 25% of deposit account balance, up to a maximum match of $750, to be credited at settlement of Commonwealth CU Home Loan. Withdrawals made from deposit account may reduce the amount of the match. If deposit account is closed prior to the match being awarded, the match amount will be forfeited. Rates, terms and conditions are subject to change and vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval. Annual Percentage Yield with a minimum $250 opening deposit. Dividend rate will be 1% above the dividend rate for the standard 12 month certificate in effect October 1. Rate will adjust annually on October 1. Only available October 1 to October 31. $250 minimum deposit and $1000 maximum deposit. Term up to 17 years. Early withdrawal penalties may apply. Limited to one account per youth member. 10

Q & A WILL I BE ABLE TO USE ONLINE/MOBILE AND TELEPHONE BANKING DURING THE UPGRADE WEEKEND? No. You will not be able to log in to online, mobile, or telephone banking during this time. After October 1, you will be able to register your Commonwealth Credit Union online banking account and download mobile banking. For instructions and links to get started, go to: CCUKY.ORG/LMPO. CAN I USE MY DEBIT CARD TO GET CASH AND/OR MAKE PURCHASES? Yes. You can use your LMPO debit card at ATMs and in stores to make purchases during Conversion Weekend. You will get your new Commonwealth Credit Union Debit Card in the mail during the week of September 12. Once you receive your card, if you haven t already, simply follow the instructions on the card or on the insert included with the card. You can activate the card immediately, but you ll have to wait until after the conversion on October 1, 2018 to begin using your card. If the new card is used prior to October 1, your transaction will be declined. WILL DIRECT DEPOSITS, TRANSFERS AND PAYMENTS HAPPEN AS SCHEDULED? Yes. There will be NO IMPACT to any scheduled deposits, transfers, or payments (including social security and other government checks) during or after Conversion Weekend. When establishing new direct deposits, transfers, or payments after October 1, please use Commonwealth Credit Union s routing number, which is 283978441, and your new member number as listed on page 3. CAN I CONTINUE TO USE MY LMPO CHECKS? You can use the checks you currently have over Conversion Weekend and do not need to immediately order new checks unless you are running low. Your LMPO Checks will continue to clear at this time. We will let you know when to order new Commonwealth Credit Union Checks. HOW WILL THE UPGRADE IMPACT MY LOAN PAYMENTS? There will be NO IMPACT in processing any automated loan payments during or after the Conversion. However, if you prefer to write checks from another financial institution to pay your loans, please include your new Commonwealth Credit Union checking account number and the Commonwealth Credit Union Routing Number: 283978441. WHERE CAN I FIND MY MEMBER AND ACCOUNT NUMBERS? On October 1, your account number will change to a 10 digit Member and Account number. It will start with 36 and end with your current Member Number. It will have the required number of zeros in the middle to make it 10 digits long. Please refer to page 3 for detailed instructions. WILL MY STATEMENTS CHANGE? Yes. As part of the Conversion, there will be changes to your online and printed statements. Starting with your October statement that you will receive in early November.

Come Visit Us! LOUISVILLE: CANE RUN: 4415 CANE RUN ROAD, LOUISVILLE, KY 40216 COURIER- JOURNAL AND TIMES: 525 WEST BROADWAY, LOUISVILLE, KY 40202 ST. MATTHEWS: 3704 FRANKFORT AVENUE, LOUISVILLE, KY 40207 UNIVERSITY OF LOUISVILLE: 2126 SOUTH FLOYD STREET, LOUISVILLE, KY 40208 MARKET STREET: 900 WEST MARKET STREET #100, LOUISVILLE, KY 40202 OUTER LOOP: 7201 OUTER LOOP #128, LOUISVILLE, KY 40228 SHELBYVILLE: 600 BOONE STATION ROAD, SHELBYVILLE, KY 40065 FRANKFORT: LOUISVILLE ROAD: 1425 LOUISVILLE ROAD, FRANKFORT, KY 40601 MAIN OFFICE: 417 HIGH STREET, FRANKFORT, KY 40601 SOWER: 101 SOWER BOULEVARD, FRANKFORT, KY 40601 GEORGETOWN: 108 LAWSON DRIVE, GEORGETOWN, KY 40324 LAWRENCEBURG: 1015 CROSSROADS DRIVE, LAWRENCEBURG, KY 40342 LEXINGTON: HAMBURG: 2540 SIR BARTON WAY, LEXINGTON, KY 40509 MEIJER WAY: 280 MEIJER WAY, LEXINGTON, KY 40503 C U SOON - HARRODSBURG: 511 JOSEPH DRIVE, HARRODSBURG, KY 40330 (502) 564-4775 OR (800) 228-6420 12

FOLLOW US @COMMONWEALTHCU! CALL US AT (502) 564-4775 OR (800) 228-6420 RANKED IN THE BLUEGRASS!# 1