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Welcome to

Your guide to the merger of Geauga Credit Union (GCU) and 7 17 Credit Union (7 17)

Please visit www.717cu.com/welcome-geauga for additional information.

THE PURPOSE OF THIS BOOKLET

This guide was created to help you through the conversion of your accounts to 7 17 Credit Union. We’re doing everything we can to make this process as smooth as possible, but there will be some things you need to do before and after the merger. Please keep this guide to reference important dates and changes. If you have any questions, please contact us at 800-775-7741 or stop in your local branch. You will see two symbols throughout the text. ACTION

The “Action Required” symbol lets you know that there is something you may need to do.

REQUIRED

The “Important” symbol lets you know that there is information that may affect how you use your account or how your account is set up.

IMPORTANT

Note: For the sake of brevity, Geauga Credit Union and 7 17 Credit Union may be referred to as GCU or Geauga CU and 7 17 Credit Union or just 7 17, respectively, throughout the booklet.

Table of Contents Welcome Letter from 7 17 President and CEO ...................................... page 1 A Bit About Us .......................................... 2 Important Dates ................................. 2-3 Ways to Prepare for Merger Weekend ............................................... 3 Contact Information .............................. 4 Branch Locations .................................... 4 ATM Info...................................................... 5 Mailing Items After the Merger ......... 5 Online FAQs .............................................. 5 7 17 Products & Services ...................... 5 Your Email Address ................................ 6 Important Account Details .................. 6 Account Suffixes ..................................... 7 Routing Number ..................................... 7

Account Types ..................................... 7-9 Debit Cardholder Info. ........................ 9 7 17 Credit Union Checks ................. 10 Deposit Insurance ............................... 10 Overdraft Protection .......................... 10 Digital Banking ..................................... 10 Bill Pay ...................................................... 11 Automatic Payments .......................... 11 Credit Cardholder Info. ................ 11-12 Credit Reporting .................................. 12 Loan Accounts & Payment Info. ...... 12 Mortgages .............................................. 12 Savings Accounts ................................ 12 Certificates ............................................ 12 Statements ............................................ 13 Tax Forms ............................................... 13

For the latest information, visit www.717cu.com/welcome-geauga.

Thank you! On behalf of the entire 7 17 family, I want to personally thank you for your support and patience throughout our partnership with Geauga Credit Union. Since our legal merger on April 1, 2026, we have been working diligently behind the scenes to prepare for the final step in bringing our organizations together. You’re joining more than 130,000 loyal members across Northeast Ohio. We are excited to officially welcome you to the full 7 17 experience and the benefits that come with being part of one of Northeast Ohio’s largest and most trusted credit unions. While some aspects of your banking experience will change as part of this transition, our commitment to you will not. At the heart of both Geauga Credit Union and 7 17 Credit Union is the same philosophy: people helping people. That commitment to personal service, community involvement, and putting members first will continue to guide everything we do. As a member of 7 17 Credit Union, you are an owner, and our focus remains on delivering value to our members. We look forward to providing you with expanded products, enhanced technology, and the financial tools you need to achieve your goals. If you have questions, please do not hesitate to visit your local branch, call us, or explore the many resources available at www.717cu.com. We are excited for this next chapter and look forward to serving you for many years to come.

Respectfully yours,

John E. Demmler President and CEO, 7 17 Credit Union

Banking with purpose, building stronger communities®.

A Bit About Us ... 7 17 Mission Statement We help people improve their lives financially and support the communities we serve. 7 17 Credit Union was founded in 1957 and has grown to become the largest credit union in Northeast Ohio. 7 17 has competitive loan and deposit rates, lower fees when compared to competitors, top-notch digital services, and its commitment to the member stands out among the crowd. 7 17’s proud past is one that grew out of member respect — from a single branch serving the members of IUE Local 717 Packard Electric in Warren, Ohio, to a 17-branch, progressive financial institution that remains strong and secure today.

Important Dates Dates and times noted below are subject to change. Mid-October New 7 17 Debit Cards — Expect your new debit card to come in the mail! Call to activate – but don’t begin using it until November 2. October 15 New Checks — Members who are actively using checks will get a starter pack of checks at no cost. Mid-to-Late October New 7 17 Credit Cards — Expect your new credit card to come in the mail! Activate on November 17. Before October 31 Re-Enroll in Bill Pay with 7 17 — If you used bill pay with GCU, please open your membership with 7 17 Credit Union early so you can re-establish your bill pay. Unfortunately, we can’t bring these systems over — if you don’t, you’ll lose your information. October 30 Digital Banking Freeze and Early Closure — At 3 pm October 30th, digital banking and online loan payments will shut down on Geauga Credit Union’s website. Our Middlefield and Burton branches will close at 3 pm to accommodate our staff as we transition our systems.

For the latest information, visit www.717cu.com/welcome-geauga.

October 31 No Saturday Hours — Our Middlefield branch won’t have Saturday hours so staff can prepare for the operational merger. November 2 New 7 17 Account and Routing Numbers Active — All accounts and balances move over to 7 17; Your old account and routing numbers are retired. Re-enroll in Digital Banking — You must manually re-enroll in online banking with 7 17 Credit Union. Geauga CU Communication Channels Retire — Call 7 17 at 800-775-7741 or visit www.717cu.com. The Geauga CU website and phone numbers will be deactivated. Shared Branching and ATM Network Activates — ATMs go-live on 7 17’s network. Middlefield PTM begins accepting deposits. Shared Branching becomes active at Burton & Middlefield. November 17 Credit Cards can be Activated — You can call the number on the sticker to activate your replacement credit card. You must also stop using the old system to pay your old credit card balance. See Credit Card section for more information.

Ways to Prepare for Merger Weekend

! IMPORTANT

Over the weekend of October 30, 2026, 7 17 Credit Union will be bringing all your accounts over to our system. You’ll have new tools to make this a faster and easier process, including a comprehensive online and mobile banking system.

In preparation for the operational merger, some transaction capabilities will be unavailable over the weekend. While we expect everything to work smoothly, here are some things you should consider. • Have alternate forms of payment available • Keep cash on hand • Make sure you keep and save your statement history

Banking with purpose, building stronger communities®.

Contact Information Calling after the Merger After the merger, you will contact 7 17 by calling our convenient toll-free number at 800-775-7741. Teleservices (Call Center) Department Hours Monday – Thursday: 8:00 am – 5:30 pm Friday: 8:00 am – 6:00 pm Saturday: 9:00 am – 1:00 pm Calls placed after hours regarding credit and debit cards are being supported 24/7 by our card vendor.

Branch Locations As a 7 17 member, you will have access to all 7 17 branch offices, PTMs, and ATMs. After the merger, please visit one of our conveniently located branches across Geauga, Trumbull, Mahoning, Summit, Stark and Portage counties. For information, visit www.717cu.com/locations. Your Middlefield and Burton branches will stay open with the same hours.

Burton 14499 N Cheshire St, Burton, OH 44021 Monday: 8:00 am – 4:30 pm

Monday: 8:00 am – 4:30 pm

Tuesday: 8:00 am – 4:30 pm

Tuesday: 8:00 am– 4:30 pm

Wednesday: 8:00 am – 4:30 pm

Wednesday: 8:00 am – Noon

Thursday: 8:00 am – 4:30 pm

Friday: 8:00 am – 6:00 pm

Saturday: Closed Sunday: Closed

Middlefield 15561 West High Street Suite 13, Middlefield, OH 44062

Saturday: 8:00 am – Noon Sunday Closed

For the latest information, visit www.717cu.com/welcome-geauga.

ATM Information As of November 2, 2026, your ATMs will convert to 7 17’s system. All the ATMs you’re used to seeing are sticking around. You’ll also be part of the MoneyPass and CO-OP ATM networks, giving you access to over 50,000 fee-free ATMs across the U.S. Find participating ATMs near you at www.717cu.com/locations.

Mailing items after the Merger

! IMPORTANT

IMPORTANT: To avoid a delay in 7 17 receiving items you mail to the credit union, such as payments, deposits, or other important paperwork, please begin sending all mail to the address below after November 2, 2026: Attention: Geauga Credit Union 7 17 Credit Union 3181 Larchmont Ave., NE Warren, OH 44483-2819

Online FAQ Reminder: Your intro to all things 7 17 starts with this welcome page. Visit us anytime at www.717cu.com/Welcome-Geauga and remember the home website can answer any questions you have just by searching www.717cu.com! Or use the chat feature on the bottom right to get questions answered.

7 17 Products and Services Check out ALL that 7 17 has to offer you at www.717cu.com including our highly rated mobile app with mobile deposit, NetWorth24 online banking; CALL24 Telephone Banking, eStatements, financial education, and so much more!

Banking with purpose, building stronger communities®.

ACTION REQUIRED: Provide Your Email Address ACTION

4 REQUIRED

After the merger, please make sure your current email address is on file with 7 17 Credit Union so you can receive important updates, disclosures, and instructions related to all of your services and accounts.

After the merger, you may relay your email information to 7 17 by any of the following ways: 1. Stop into a branch. 2. Mail a letter to 7 17 Credit Union, Attn: Compliance Department, 3181 Larchmont Ave NE, Warren, OH 44483. 3. Sign up for online banking. To sign up, you will need your account number. This can be done on our website by clicking “Enroll” below the account login boxes at the top of our site or download our app to your mobile device and click ”Sign Up” in the bottom left corner. Once you have completed the sign-up process you can update your mailing address or your email address within online banking. If using a computer, click on “My Settings”; if using the mobile app click on “More” on the bottom. Then click on the cog wheel in the upper right, then click on “My Settings”.

Important Account Details

! IMPORTANT

You will receive a separate letter with your new account number in anticipation of your accounts transferring to 7 17. Additional information will come in the mail along with your new account number – please look out for this correspondence.

You’ll be assigned a member number. Every deposit and loan account will then have a suffix attached to that number. We’ll also provide you with a MICR number for transfers and direct deposits for your accounts. If you had one membership with GCU, you will have one with 7 17. If you have both 7 17 and GCU memberships currently, your GCU membership will convert to 7 17 and you will have two separate memberships and member numbers. You may choose to combine them after November 2 by stopping into a branch.

For the latest information, visit www.717cu.com/welcome-geauga.

Account Suffixes It’s important to know that all your savings and loans will fall under the same account or member number. 7 17 uses 4-digit numbers called suffixes to uniquely identify your accounts. These suffixes will follow your primary account number. For example, if your account number is 123456, your account suffix number will be 123456-XXXX.

Routing Number The routing number for 7 17 is: 241282849 Please Note: GCU’s routing number will no longer work after April 30, 2027. After this date, all transactions using the GCU routing number will be returned unpaid. It is very important that IMPORTANT you update to 7 17’s routing number. 7 17 Credit Union’s routing number is 241282849. After November 2, use this number when setting up new automatic deposits to and withdrawals from your 7 17 accounts.

Account Types Below is a list of current Geauga Credit Union account types, and the way they’re transitioning over to 7 17 Credit Union accounts. See enclosed disclosures for more information. Effective November 1, 2026

Personal GCU Account Type Share Account Student Shares

7 17 Account Type Share Accounts Based on Age: 0 - 12: Kids Club Savings Account 13 - 17: Cha-Ching Teen Club Savings Account 18 - 25: edge Savings Account 26+: Savings Account

If you have more than one Share Account or Student Share, one will be moved into the corresponding savings account above and all other Share Account or Student Shares will be transferred to an EZ Savings Account. EZ Savings Club

EZ Savings Account

Banking with purpose, building stronger communities®.

Personal (continued) GCU Account Type Regular Draft Super Draft

7 17 Account Type Draft Accounts WOW Checking

If you have more than one Regular Draft or Super Draft, one will be moved into a WOW Checking and all other Regular Draft and Super Draft accounts will be transferred to a Free Checking. Basic Draft Draft Account Student Draft

Free Checking

Money Market Draft

High Yield Money Market Account

Christmas Club Account

Club Accounts Christmas Club Account

Vacation Club Bill Club Back to School Club Account

EZ Savings Account

Certificates The compounding frequency, credit frequency and dividend period will now be Quarterly. Certificates maturing on or after 11/1/2026 will have a 10-day grace period and will have an automatic renewal feature. Additional information will be included in your maturity notice. Individual Retirement Accounts (IRA) IRA Share Accumulation IRA Accumulation Account Roth IRA Share Accumulation

Roth IRA Accumulation Account

For the latest information, visit www.717cu.com/welcome-geauga.

Business & Sole Proprietor GCU Account Type Share Account Regular Draft Super Draft Basic Draft Draft Account Student Draft

7 17 Account Type Share Accounts Business Savings Draft Accounts Business Free Checking

Money Market Draft

Business Money Market

Debit Cardholder Information ACTION

Update your recurring payments, digital wallets and bill pay to

4 ensure your payments go through. REQUIRED

You will be mailed a new debit card, arriving late September to early October. There will be a period of time where you can’t order a replacement debit card if yours is lost, stolen, or close to expiring, as we get close to merging systems. Begin using your new debit card November 2, 2026. ACTION Your current debit card will stop working on this date. Call 1-888-691-8661 to activate your new debit card when you get it in the mail!

REQUIRED

PINs are now set by phone only. Call 1-888-891-2435 to set your new PIN. Tap to Pay: Tap at checkout. Fast, secure, no swiping required. Expanded ATM Access: Access more than 50,000 surcharge-free ATMs nationwide through the CO-OP and MoneyPass® networks.

Banking with purpose, building stronger communities®.

Card Controls in Mobile Banking: Debit card controls will let you set spending limits, report your card lost or stolen, and real-time notification options can notify you every time you make a purchase. Keep an eye out for digital card issuance, which will give you access to your card information right in mobile banking. New Fraud Alerts: Watch for alerts from a new number and email. We will never ask for your login info or a two-factor code.

7 17 Credit Union Checks Current GCU members who have been using their checks will receive complimentary checks. If you have a HELOC or Money Market account, look for a starter pack of checks. Other members IMPORTANT who want checks can stop into a branch after November 2 to order them. Any checks you’ve previously written will continue to clear with your new account, however we ask that you use your new 7 17 checks that we’re providing starting immediately to avoid delays in processing.

Deposit Insurance Existing Geauga Credit Union members before April 1, 2026 will continue to have their deposits covered by Excess Share Insurance of $750,000.00 which insures your accounts up to $1,000,000.00. Member deposits will continue to be federally be federally insured by the National Credit Union Share Insurance Fund (“NCUSIF”). Your savings, up to $250,000 per member for aggregate IRA accounts and separately up to $250,000 per member for non-IRA accounts, will be insured by the NCUSIF.

Overdraft Protection If you have an Overdraft Line of Credit with GCU, it will be converted over to 7 17. Otherwise, you may designate an account for overdraft protection after the merger on November 2, 2026 by stopping into a branch or calling us at 800-775-7741.

Digital Banking ACTION

4 REQUIRED

You’ll need to fully re-enroll in digital banking. Please download the 7 17 Credit Union App or visit www.717cu.com to enroll. You’ll need your member number, which will be mailed to you.

For the latest information, visit www.717cu.com/welcome-geauga.

Bill Pay

! IMPORTANT ACTION

4 REQUIRED

IMPORTANT: If you had bill pay, you must open an account with 7 17 before November 2, 2026 to manually transfer your payees and payments. It will not transfer automatically in November. If you don’t open a 7 17 Credit Union account before November 2, 2026, your payments will cease to be made from your GCU Bill Pay setup and you will lose access to your bill pay history. Please call 7 17 Credit Union to make this change.

Automatic Payments

! IMPORTANT

You will need to change your ACH debit and credit plus payroll deduction to 7 17 before automatic payments can be made. After you do that, you will be able to have payroll deduction, mail your payment, or stop in one of our 7 17 branch offices.

In addition, 7 17 offers the convenience of making payments in these other ways: • NetWorth24 – 7 17’s online and mobile banking • CALL24 – 7 17’s telephone banking • 7 17 Teleservices – 7 17’s call center • Set up a new 7 17 checking account and set up automatic payments or set up auto pay from another financial institution Any new direct deposits or pre-authorized withdrawal transactions should be set up with this information: • 7 17’s Routing Number: 241282849 • Plus your NEW 7 17 account number (mailed to you)

Credit Cardholder Information You will no longer be able to use GCU’s website or Visa EZCard to pay your credit card or see your information as of November 17, 2026. Please set up 7 17 Digital Banking before this date, and update your IMPORTANT payment address, account number and any autopayments before November 17th.

You will be mailed a new credit card, arriving mid-to-late October. There will be a period of time where you can’t order a replacement credit card if yours is lost, stolen, or close to expiring, while we get close to merging systems.

Banking with purpose, building stronger communities®.

ACTION

Activate your credit card starting November 17, 2026.

4 Your old card will stop working on this date. Call the number on

REQUIRED

your card sticker, 1-888-691-8661 to activate your new credit card.

PINs are now set by phone only. Call 1-888-891-2435 to set your new PIN.

Credit Reporting As a member of 7 17 Credit Union, your credit will be reported to all three major credit reporting agencies: TransUnion, Experian, and Equifax.

Loan Accounts and Payment Information Your GCU loan accounts will convert to comparable 7 17 loan accounts without any changes to the rate, term, payment amount, fees, or due date. Payments will continue to be processed. If you’re originating your loan payments from other financial institutions, please update your loan account number.

Mortgages

! IMPORTANT

IMPORTANT: If you currently make partial payments on your mortgage, please take a moment to talk through it with our staff and help us ensure we meet your needs. The way you see payments applied to your account will change.

Savings Accounts — www.717cu.com/savings Your GCU share savings account will be converted to a 7 17 Savings account based on your age as of the date of the merger. To learn more about the various accounts and programs for youth, visit www.717cu.com.

Certificate Accounts — www.717cu.com/certificates Your GCU Share Certificate(s) will transfer to 7 17 on November 2, 2026. There will be no change to your current rate, term or maturity date. Your dividends will be paid out quarterly. Thirty days before maturity, you will receive a certificate maturity notice in the mail to alert you about your maturing certificate. You may make a decision to invest your funds in a different certificate term at maturity.

For the latest information, visit www.717cu.com/welcome-geauga.

Statements You will receive your last Geauga Credit Union paper statement in the mail for October. If you have an active checking account, your first statement from 7 17 will be for the month of November. You should receive this in early December. Those with savings accounts only receive statements quarterly – so you may not see a statement until January 2027. As a reminder, if you do not want to receive a paper statement in the mail from 7 17, you may sign up for eStatements after the merger. First, sign up for online banking or mobile banking using our top-rated mobile app. Then, to switch to eStatements, simply log in to your online banking and select “Account Services and eDocuments.” From there, select “eStatements.” You may also register for notices, which will allow you to stay connected to your account quicker. You’ll receive an email whenever you have a new notice! If you choose to expand your banking relationship with us, which we hope you do; they include many important account communications like courtesy pay notices, overdraft notices, certificate maturity notices and more. For more details about eStatements visit www.717cu.com/estatements.

Tax Forms You will receive your year-end (December 31, 2026) tax forms, such as 1099s and 1098s, from 7 17 by the end of January 2027. 7 17 Credit Union’s tax forms are not currently included with year-end statements; they will be provided separately. Your 2026 financial information from GCU will transfer to 7 17 for proper full year reporting.

Banking with purpose, building stronger communities®.

Austintown – 6460 Mahoning Ave., Austintown, OH 44515

Hubbard – 627 W. Liberty St., Hubbard, OH 44425

Boardman – 7371 California Ave., Boardman, OH 44512

Kent – 2301 State Route 59, Kent, OH 44240

Burton – 14499 N. Cheshire St., Burton, OH 44021

Middlefield – 15561 West High St., Middlefield, OH 44062

Canfield – 4280 Boardman-Canfield Rd. Canfield, OH 44406

Ravenna – 271 S. Chestnut St., Ravenna, OH 44266

Canton – 4450 Belden Village St., Suite 104, Canton, OH 44718

Stow – 4420 Kent Rd., Stow, OH 44224

Cortland – 3310 Niles-Cortland Rd., Cortland, OH 44410

Streetsboro (slated to open fall 2026) – 9166 OH-43, Streetsboro, OH 44241

Downtown Akron – 388 S. Main St., Suite 204, Akron, OH 44311

Vienna – 585 Youngstown-Kingsville Rd., Vienna, OH 44473

Downtown Warren – 157 W. Market St., Warren, OH 44481

Wallhaven – 1 N. Hawkins Ave., Suite 2, Akron, OH 44313

Howland – 100 Brewster Dr., Warren, OH 44484

Warren/Larchmont – 3185 Larchmont Ave., NE, Warren, OH 44483

For questions about your accounts or any of the information you find in this booklet: call our Teleservices Department (call center) at 800-775-7741. Visit our Website at: www.717cu.com Routing and Transit Number: 241282849

GCU— 0926

Mailing Address (for all branches): 3181 Larchmont Ave. NE., Warren, OH 44483

Federally insured by NCUA.

Banking with purpose, building stronger communities®.