Lines of Communication - Resource Guide (Spring 2020)

PRSRT STD U.S. Postage PAID Albany, NY Permit #186

At Your Fingertips “We want members to know they can perform transactions safely and securely, using our popular digital banking resources and drive-thru services. Contact us for help.”

–Jason Greco, Chief Technology Officer

LINES

Health Information National Centers for Disease Control www.cdc.gov/coronavirus

4 Winners Circle Albany, NY 12205

New York

SPECIAL EDITION Spring 2020

of Communication

Coronavirus Updates https://coronavirus.health.ny.gov.

Capital Region Albany County www.albanycounty.com Rensselaer County www.rensco.com Schenectady County www.schenectadycounty.com

Deposit Checks

Pay Bills

Mobile Deposit. In your CAP COM app, deposit your check by selecting Check Deposit and following the prompts. www.capcomfcu.org/rd

Bill Pay. In your online account or mobile app, select Bill Pay to make one-time or recurring payments. www.capcomfcu.org/billpay

ClickSWITCH. Set up or switch your direct deposits – payroll, Social Security, etc. – by logging in to your online account and choosing ClickSWITCH (sorry, not available on mobile). www.capcomfcu.org/clickswitch

Touch-Free Checkouts Digital Wallet. At the checkout, you can pay with your mobile phone, so you don’t have to handle cash. Load your debit and credit cards into your digital wallet and start using Apple Pay, Google Pay, or Samsung Pay the next time you shop. www.capcomfcu.org/wallet

Transfer Money to Family & Friends In your online account or mobile app, send money to: - Anyone in the U.S. with Popmoney or Bill Pay (see Pay Bills, above).

-

Another CAP COM member by choosing Send Money to a Member in online banking or Transfers in your mobile app. www.capcomfcu.org/tomember

You can also use the money-transfer features of Apple Pay cash and Google Pay (see Digital Wallet, left).

Update Your Information Has your contact info changed since it was last provided? Making updates is simple. Log in to your online account or mobile app to access your Settings.

Saratoga County www.saratogacountyny.gov

Get Cash ATM & Drive-Thru. Obtain cash 24/7 from free ATMs at CAP COM branches and 30,000 surcharge-free CO-OP ATMs nationwide. Our drive thrus also offer cash withdrawals.

Locations www.capcomfcu.org/locations See All Drive-Thru Services www.capcomfcu.org/drivethru

For other areas not included on this list, search for your county's name online.

WHEN YOU’RE READY “During this extraordinary time, we’re 100% focused on the dynamic needs of members while continuing to provide life-enhancing financial services.”

–Susan Fogarty, Chief Relationship Officer

Discover More Options See what else you can do in your online account or mobile app.

- View balances and statements - Transfer funds between accounts - See paid checks, stop check payments - Turn your debit card on or off - Add a savings account - Apply for a loan Have a few minutes? Log in or launch the CAP COM mobile app to explore.

RESOURCE GUIDE

CAP COM Support Visit www.capcomfcu.org

Some of your plans may be on pause until life gets back to normal.

Other needs can’t wait. When you’re ready, let's make good things happen.

Call (800) 634-2340

Buying a Car www.capcomcars.org (800) 634-2340

Insurance www.capcomfcu.org/insurance (518) 641-6979

Email service@capcomfcu.org

Buying a Home www.capcomfcu.org/mortgage (518) 690-2232

Paying for College www.capcomfcu.org/collegebound (800) 634-2340

Refinancing Your Mortgage www.capcomfcu.org/mortgage (518) 690-2232

Financial Independence Coaching www.capcomfinancial.com (518) 782-0209

SOLUTIONS

GUIDANCE

SUPPORT

Safety first: 4 easy ways to bank

Count on our teams, tools, technology

Your sounding board and solution provider

4 Savings

Let us help you bank using these convenient digital tools and drive-thru services.

Online Banking Now is an ideal time to use CAP COM’s most popular branch: online banking. Contact us for help setting up your login and password.

Mobile Banking App Bank anywhere, anytime with CAP COM’s mobile app. Visit your mobile phone’s app store and enter “CAP COM” into the search.

FINANCIAL RELIEF

President/CEO Message

Banking Comes to You

Retirement – What Now?

“If you’re experiencing financial hardship and having difficulty making loan payments, we want to hear from you. You could qualify for relief.”

– Arthur Chuang, Vice President of Loan Servicing

NOW & ALWAYS, LET US HELP CAP COM’s mission to serve the financial needs of members, businesses, and the community unites our teams during this extraordinary time.

This special edition of our Lines of Communication newsletter contains resources to help you bank safely and securely. Many of the topics you see here are drawn from conversations we have with members every day.

I want you to consider our teams your financial advocates, helping you manage today’s challenges and make plans for the future.

If you do not currently use our digital banking services, now is a great time to try them out. I hope you find the information in this Resource Guide helpful – and remember, support is a phone call or email away.

As we all focus on staying safe and healthy, caring for each other is more important than ever – and serving you is why we're here.

Peace of Mind “When money is tight, setting up access to backup funds can lower the stress.

Even if you never use the money, you know it’s there for you.”

–Lee Carman, Chief Lending Officer

Christopher McKenna President/CEO

Emergency Funds To expand ways to cover expenses in a pinch, consider these low-rate solutions.

- Personal Loan - VISA® Credit Card - Home Equity Line of Credit (HELOC)

In the Loop Stay informed about assistance programs and service updates on CAP COM’s website and social media.

To receive communications in your inbox, make sure your email address is current in your online or mobile app account settings or call (800) 634-2340 for assistance. Visit us online often for the latest information.

Phone Banking Perform transactions and check balances using the keypad on your phone, or speak with Member Services at (800) 634-2340.

Facebook “f ” Logo

CMYK / .eps

Facebook “f ” Logo

CMYK / .eps

You could be eligible for fast-track funding. If you see the LoanXpress option in online and mobile banking, select it for details. www.capcomfcu.org/loanx

Loan Payment Relief

“During tumultuous times, objective guidance is the foundation of every informed decision. We’re your sounding board and advocate, today and always.”

– John Shartrand, Chief Investment Officer, CAP COM Financial Services

If you’re experiencing financial distress and are a CAP COM member as of 3/13/2020, you may qualify for the following assistance programs, including waivers of certain fees. www.capcomfcu.org/assist (800) 634-2340

This crisis is like no other, and it’s only natural to be nervous. Whether retirement is years ahead or you’re already retired, turn to the professionals at CAP COM Financial Services for objective guidance and support. If you’re already a client, look for our market update emails and other digital education in the future.

Personal Loans & Credit Cards. If your income has been reduced or eliminated for at least seven days, you can request relief on your CAP COM Personal and Auto Loans, VISA® Credit Card, and Home Equity Line of Credit (HELOC). www.capcomfcu.org/assist (800) 634-2340 Mortgage. If your mortgage is serviced by Homeowners Advantage/ CAP COM, your payment is not greater than 30 days past due, and you’re experiencing financial distress, you could qualify for the NYS 90-Day Mortgage Relief Program. Contact Homeowners Advantage for details. www.capcomfcu.org/assist loanrelief@homeownersadvantage.com (518) 690-2232, ext. 3123

Consumer Emergency Relief Loan Borrow up to $2,500 at a low fixed rate with no payments for up to 90 days. www.capcomfcu.org/assist (800) 634-2340

Overdraft Protection www.capcomfcu.org

www.facebook.com/capcomfcu

Let's Be Friends Join our growing community.

Drive-Thru Services Services ordinarily performed inside a branch are now provided at the Drive-Thru. Obtain cash and perform transfers at the ATM.

CAP COM FINANCIAL SERVICES, LLC

Federally insured by NCUA Lines of Communication is published for CAP COM Federal Credit Union members. The Supervisory Committee is the members’ representative. Please address any situations you feel were not handled to your satisfaction by the credit union to: Supervisory Committee, P.O. Box 11279, Albany, NY 12211-0279

Overdraft protection helps guard against fees imposed by merchants and financial institutions when your account balance can’t cover a payment. Choose from three overdraft protection options. In an emergency, a Checking Line of Credit can double as a temporary loan. www.capcomfcu.org/options

Call (518) 782-0209 to schedule a complimentary appointment.

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/ SIPC). Insurance products are offered through LPL or its licensed affiliates. CAP COM Federal Credit Union and CAP COM Financial Services, LLC are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using CAP COM Financial Services, LLC, and may also be employees of CAP COM Federal Credit Union. These products and services being offered through LPL or its affiliates, which are separate entities from, and not affiliates of CAP COM Federal Credit Union or CAP COM Financial Services. Securities and insurance offered through LPL or its affiliates are: Not Insured by NCUA or Any Other Government Agency

Not Credit Union Guaranteed

May Lose Value

CAP COM Federal Credit Union

BUSINESS & COMMUNITY SUPPORT “The strains on businesses are enormous. Let us help you access liquidity and other assistance.”

– Brian Sheldrick, Vice President of Business Services

“Immense need requires bold action. We’re making major investments to serve those in need in our community, in partnership with local non-profits.”

– Christopher McKenna, Chair, CAP COM Cares Foundation

Businesses

Organizations

SBA Loans The Small Business Administration is accepting applications for coronavirus Economic Injury Disaster Loans (EIDL) of up to $2 million.

Info www.sba.gov/coronavirus Apply https://disasterloan.sba.gov/ela Assistance & Resources Contact us to discuss your business challenges and needs, so we can walk through assistance programs available through various sources. commercial@capcomfcu.org (800) 468-5500 ext. 2948

Mortgage products are offered by our Mortgage Team, Homeowners Advantage (HOA), which is a subsidiary of CAP COM FCU. HOA is a Licensed Mortgage Banker – NYS Dept. of Financial Services. HOA NMLS Identifier: 290363. Principal Address: 4 Winners Circle, Albany NY 12205.

CAP COM FCU NMLS Identifier: 401261

Not Credit Union Deposits or Obligations

Community Partnerships CAP COM partners with many non-profits in the community to serve those in need. To help bridge budget gaps during this difficult time, we’re offering funding assistance to sustain our existing partnerships.

Community Amplifying Support We’re ramping up community efforts with an infusion of funding to non-profits that partner with CAP COM. We’re giving priority to local organizations that address food insecurity, health issues, and housing. A donation of $50,000 went to the Regional Food Bank of Northeastern NY in April. This is in addition to considerable support provided throughout the year to non-profit partners through the CAP COM Cares Foundation. www.capcomfcu.org/community

PRSRT STD U.S. Postage PAID Albany, NY Permit #186

At Your Fingertips “We want members to know they can perform transactions safely and securely, using our popular digital banking resources and drive-thru services. Contact us for help.”

–Jason Greco, Chief Technology Officer

LINES

Health Information National Centers for Disease Control www.cdc.gov/coronavirus

4 Winners Circle Albany, NY 12205

New York

SPECIAL EDITION Spring 2020

of Communication

Coronavirus Updates https://coronavirus.health.ny.gov.

Capital Region Albany County www.albanycounty.com Rensselaer County www.rensco.com Schenectady County www.schenectadycounty.com

Deposit Checks

Pay Bills

Mobile Deposit. In your CAP COM app, deposit your check by selecting Check Deposit and following the prompts. www.capcomfcu.org/rd

Bill Pay. In your online account or mobile app, select Bill Pay to make one-time or recurring payments. www.capcomfcu.org/billpay

ClickSWITCH. Set up or switch your direct deposits – payroll, Social Security, etc. – by logging in to your online account and choosing ClickSWITCH (sorry, not available on mobile). www.capcomfcu.org/clickswitch

Touch-Free Checkouts Digital Wallet. At the checkout, you can pay with your mobile phone, so you don’t have to handle cash. Load your debit and credit cards into your digital wallet and start using Apple Pay, Google Pay, or Samsung Pay the next time you shop. www.capcomfcu.org/wallet

Transfer Money to Family & Friends In your online account or mobile app, send money to: - Anyone in the U.S. with Popmoney or Bill Pay (see Pay Bills, above).

-

Another CAP COM member by choosing Send Money to a Member in online banking or Transfers in your mobile app. www.capcomfcu.org/tomember

You can also use the money-transfer features of Apple Pay cash and Google Pay (see Digital Wallet, left).

Update Your Information Has your contact info changed since it was last provided? Making updates is simple. Log in to your online account or mobile app to access your Settings.

Saratoga County www.saratogacountyny.gov

Get Cash ATM & Drive-Thru. Obtain cash 24/7 from free ATMs at CAP COM branches and 30,000 surcharge-free CO-OP ATMs nationwide. Our drive thrus also offer cash withdrawals.

Locations www.capcomfcu.org/locations See All Drive-Thru Services www.capcomfcu.org/drivethru

For other areas not included on this list, search for your county's name online.

WHEN YOU’RE READY “During this extraordinary time, we’re 100% focused on the dynamic needs of members while continuing to provide life-enhancing financial services.”

–Susan Fogarty, Chief Relationship Officer

Discover More Options See what else you can do in your online account or mobile app.

- View balances and statements - Transfer funds between accounts - See paid checks, stop check payments - Turn your debit card on or off - Add a savings account - Apply for a loan Have a few minutes? Log in or launch the CAP COM mobile app to explore.

RESOURCE GUIDE

CAP COM Support Visit www.capcomfcu.org

Some of your plans may be on pause until life gets back to normal.

Other needs can’t wait. When you’re ready, let's make good things happen.

Call (800) 634-2340

Buying a Car www.capcomcars.org (800) 634-2340

Insurance www.capcomfcu.org/insurance (518) 641-6979

Email service@capcomfcu.org

Buying a Home www.capcomfcu.org/mortgage (518) 690-2232

Paying for College www.capcomfcu.org/collegebound (800) 634-2340

Refinancing Your Mortgage www.capcomfcu.org/mortgage (518) 690-2232

Financial Independence Coaching www.capcomfinancial.com (518) 782-0209

SOLUTIONS

GUIDANCE

SUPPORT

Safety first: 4 easy ways to bank

Count on our teams, tools, technology

Your sounding board and solution provider

4 Savings

Let us help you bank using these convenient digital tools and drive-thru services.

Online Banking Now is an ideal time to use CAP COM’s most popular branch: online banking. Contact us for help setting up your login and password.

Mobile Banking App Bank anywhere, anytime with CAP COM’s mobile app. Visit your mobile phone’s app store and enter “CAP COM” into the search.

FINANCIAL RELIEF

President/CEO Message

Banking Comes to You

Retirement – What Now?

“If you’re experiencing financial hardship and having difficulty making loan payments, we want to hear from you. You could qualify for relief.”

– Arthur Chuang, Vice President of Loan Servicing

NOW & ALWAYS, LET US HELP CAP COM’s mission to serve the financial needs of members, businesses, and the community unites our teams during this extraordinary time.

This special edition of our Lines of Communication newsletter contains resources to help you bank safely and securely. Many of the topics you see here are drawn from conversations we have with members every day.

I want you to consider our teams your financial advocates, helping you manage today’s challenges and make plans for the future.

If you do not currently use our digital banking services, now is a great time to try them out. I hope you find the information in this Resource Guide helpful – and remember, support is a phone call or email away.

As we all focus on staying safe and healthy, caring for each other is more important than ever – and serving you is why we're here.

Peace of Mind “When money is tight, setting up access to backup funds can lower the stress.

Even if you never use the money, you know it’s there for you.”

–Lee Carman, Chief Lending Officer

Christopher McKenna President/CEO

Emergency Funds To expand ways to cover expenses in a pinch, consider these low-rate solutions.

- Personal Loan - VISA® Credit Card - Home Equity Line of Credit (HELOC)

In the Loop Stay informed about assistance programs and service updates on CAP COM’s website and social media.

To receive communications in your inbox, make sure your email address is current in your online or mobile app account settings or call (800) 634-2340 for assistance. Visit us online often for the latest information.

Phone Banking Perform transactions and check balances using the keypad on your phone, or speak with Member Services at (800) 634-2340.

Facebook “f ” Logo

CMYK / .eps

Facebook “f ” Logo

CMYK / .eps

You could be eligible for fast-track funding. If you see the LoanXpress option in online and mobile banking, select it for details. www.capcomfcu.org/loanx

Loan Payment Relief

“During tumultuous times, objective guidance is the foundation of every informed decision. We’re your sounding board and advocate, today and always.”

– John Shartrand, Chief Investment Officer, CAP COM Financial Services

If you’re experiencing financial distress and are a CAP COM member as of 3/13/2020, you may qualify for the following assistance programs, including waivers of certain fees. www.capcomfcu.org/assist (800) 634-2340

This crisis is like no other, and it’s only natural to be nervous. Whether retirement is years ahead or you’re already retired, turn to the professionals at CAP COM Financial Services for objective guidance and support. If you’re already a client, look for our market update emails and other digital education in the future.

Personal Loans & Credit Cards. If your income has been reduced or eliminated for at least seven days, you can request relief on your CAP COM Personal and Auto Loans, VISA® Credit Card, and Home Equity Line of Credit (HELOC). www.capcomfcu.org/assist (800) 634-2340 Mortgage. If your mortgage is serviced by Homeowners Advantage/ CAP COM, your payment is not greater than 30 days past due, and you’re experiencing financial distress, you could qualify for the NYS 90-Day Mortgage Relief Program. Contact Homeowners Advantage for details. www.capcomfcu.org/assist loanrelief@homeownersadvantage.com (518) 690-2232, ext. 3123

Consumer Emergency Relief Loan Borrow up to $2,500 at a low fixed rate with no payments for up to 90 days. www.capcomfcu.org/assist (800) 634-2340

Overdraft Protection www.capcomfcu.org

www.facebook.com/capcomfcu

Let's Be Friends Join our growing community.

Drive-Thru Services Services ordinarily performed inside a branch are now provided at the Drive-Thru. Obtain cash and perform transfers at the ATM.

CAP COM FINANCIAL SERVICES, LLC

Federally insured by NCUA Lines of Communication is published for CAP COM Federal Credit Union members. The Supervisory Committee is the members’ representative. Please address any situations you feel were not handled to your satisfaction by the credit union to: Supervisory Committee, P.O. Box 11279, Albany, NY 12211-0279

Overdraft protection helps guard against fees imposed by merchants and financial institutions when your account balance can’t cover a payment. Choose from three overdraft protection options. In an emergency, a Checking Line of Credit can double as a temporary loan. www.capcomfcu.org/options

Call (518) 782-0209 to schedule a complimentary appointment.

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/ SIPC). Insurance products are offered through LPL or its licensed affiliates. CAP COM Federal Credit Union and CAP COM Financial Services, LLC are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using CAP COM Financial Services, LLC, and may also be employees of CAP COM Federal Credit Union. These products and services being offered through LPL or its affiliates, which are separate entities from, and not affiliates of CAP COM Federal Credit Union or CAP COM Financial Services. Securities and insurance offered through LPL or its affiliates are: Not Insured by NCUA or Any Other Government Agency

Not Credit Union Guaranteed

May Lose Value

CAP COM Federal Credit Union

BUSINESS & COMMUNITY SUPPORT “The strains on businesses are enormous. Let us help you access liquidity and other assistance.”

– Brian Sheldrick, Vice President of Business Services

“Immense need requires bold action. We’re making major investments to serve those in need in our community, in partnership with local non-profits.”

– Christopher McKenna, Chair, CAP COM Cares Foundation

Businesses

Organizations

SBA Loans The Small Business Administration is accepting applications for coronavirus Economic Injury Disaster Loans (EIDL) of up to $2 million.

Info www.sba.gov/coronavirus Apply https://disasterloan.sba.gov/ela Assistance & Resources Contact us to discuss your business challenges and needs, so we can walk through assistance programs available through various sources. commercial@capcomfcu.org (800) 468-5500 ext. 2948

Mortgage products are offered by our Mortgage Team, Homeowners Advantage (HOA), which is a subsidiary of CAP COM FCU. HOA is a Licensed Mortgage Banker – NYS Dept. of Financial Services. HOA NMLS Identifier: 290363. Principal Address: 4 Winners Circle, Albany NY 12205.

CAP COM FCU NMLS Identifier: 401261

Not Credit Union Deposits or Obligations

Community Partnerships CAP COM partners with many non-profits in the community to serve those in need. To help bridge budget gaps during this difficult time, we’re offering funding assistance to sustain our existing partnerships.

Community Amplifying Support We’re ramping up community efforts with an infusion of funding to non-profits that partner with CAP COM. We’re giving priority to local organizations that address food insecurity, health issues, and housing. A donation of $50,000 went to the Regional Food Bank of Northeastern NY in April. This is in addition to considerable support provided throughout the year to non-profit partners through the CAP COM Cares Foundation. www.capcomfcu.org/community

4 Savings

Let us help you bank using these convenient digital tools and drive-thru services.

Online Banking Now is an ideal time to use CAP COM’s most popular branch: online banking. Contact us for help setting up your login and password.

Mobile Banking App Bank anywhere, anytime with CAP COM’s mobile app. Visit your mobile phone’s app store and enter “CAP COM” into the search.

FINANCIAL RELIEF

President/CEO Message

Banking Comes to You

Retirement – What Now?

“If you’re experiencing financial hardship and having difficulty making loan payments, we want to hear from you. You could qualify for relief.”

– Arthur Chuang, Vice President of Loan Servicing

NOW & ALWAYS, LET US HELP CAP COM’s mission to serve the financial needs of members, businesses, and the community unites our teams during this extraordinary time.

This special edition of our Lines of Communication newsletter contains resources to help you bank safely and securely. Many of the topics you see here are drawn from conversations we have with members every day.

I want you to consider our teams your financial advocates, helping you manage today’s challenges and make plans for the future.

If you do not currently use our digital banking services, now is a great time to try them out. I hope you find the information in this Resource Guide helpful – and remember, support is a phone call or email away.

As we all focus on staying safe and healthy, caring for each other is more important than ever – and serving you is why we're here.

Peace of Mind “When money is tight, setting up access to backup funds can lower the stress.

Even if you never use the money, you know it’s there for you.”

–Lee Carman, Chief Lending Officer

Christopher McKenna President/CEO

Emergency Funds To expand ways to cover expenses in a pinch, consider these low-rate solutions.

- Personal Loan - VISA® Credit Card - Home Equity Line of Credit (HELOC)

In the Loop Stay informed about assistance programs and service updates on CAP COM’s website and social media.

To receive communications in your inbox, make sure your email address is current in your online or mobile app account settings or call (800) 634-2340 for assistance. Visit us online often for the latest information.

Phone Banking Perform transactions and check balances using the keypad on your phone, or speak with Member Services at (800) 634-2340.

Facebook “f ” Logo

CMYK / .eps

Facebook “f ” Logo

CMYK / .eps

You could be eligible for fast-track funding. If you see the LoanXpress option in online and mobile banking, select it for details. www.capcomfcu.org/loanx

Loan Payment Relief

“During tumultuous times, objective guidance is the foundation of every informed decision. We’re your sounding board and advocate, today and always.”

– John Shartrand, Chief Investment Officer, CAP COM Financial Services

If you’re experiencing financial distress and are a CAP COM member as of 3/13/2020, you may qualify for the following assistance programs, including waivers of certain fees. www.capcomfcu.org/assist (800) 634-2340

This crisis is like no other, and it’s only natural to be nervous. Whether retirement is years ahead or you’re already retired, turn to the professionals at CAP COM Financial Services for objective guidance and support. If you’re already a client, look for our market update emails and other digital education in the future.

Personal Loans & Credit Cards. If your income has been reduced or eliminated for at least seven days, you can request relief on your CAP COM Personal and Auto Loans, VISA® Credit Card, and Home Equity Line of Credit (HELOC). www.capcomfcu.org/assist (800) 634-2340 Mortgage. If your mortgage is serviced by Homeowners Advantage/ CAP COM, your payment is not greater than 30 days past due, and you’re experiencing financial distress, you could qualify for the NYS 90-Day Mortgage Relief Program. Contact Homeowners Advantage for details. www.capcomfcu.org/assist loanrelief@homeownersadvantage.com (518) 690-2232, ext. 3123

Consumer Emergency Relief Loan Borrow up to $2,500 at a low fixed rate with no payments for up to 90 days. www.capcomfcu.org/assist (800) 634-2340

Overdraft Protection www.capcomfcu.org

www.facebook.com/capcomfcu

Let's Be Friends Join our growing community.

Drive-Thru Services Services ordinarily performed inside a branch are now provided at the Drive-Thru. Obtain cash and perform transfers at the ATM.

CAP COM FINANCIAL SERVICES, LLC

Federally insured by NCUA Lines of Communication is published for CAP COM Federal Credit Union members. The Supervisory Committee is the members’ representative. Please address any situations you feel were not handled to your satisfaction by the credit union to: Supervisory Committee, P.O. Box 11279, Albany, NY 12211-0279

Overdraft protection helps guard against fees imposed by merchants and financial institutions when your account balance can’t cover a payment. Choose from three overdraft protection options. In an emergency, a Checking Line of Credit can double as a temporary loan. www.capcomfcu.org/options

Call (518) 782-0209 to schedule a complimentary appointment.

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/ SIPC). Insurance products are offered through LPL or its licensed affiliates. CAP COM Federal Credit Union and CAP COM Financial Services, LLC are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using CAP COM Financial Services, LLC, and may also be employees of CAP COM Federal Credit Union. These products and services being offered through LPL or its affiliates, which are separate entities from, and not affiliates of CAP COM Federal Credit Union or CAP COM Financial Services. Securities and insurance offered through LPL or its affiliates are: Not Insured by NCUA or Any Other Government Agency

Not Credit Union Guaranteed

May Lose Value

CAP COM Federal Credit Union

BUSINESS & COMMUNITY SUPPORT “The strains on businesses are enormous. Let us help you access liquidity and other assistance.”

– Brian Sheldrick, Vice President of Business Services

“Immense need requires bold action. We’re making major investments to serve those in need in our community, in partnership with local non-profits.”

– Christopher McKenna, Chair, CAP COM Cares Foundation

Businesses

Organizations

SBA Loans The Small Business Administration is accepting applications for coronavirus Economic Injury Disaster Loans (EIDL) of up to $2 million.

Info www.sba.gov/coronavirus Apply https://disasterloan.sba.gov/ela Assistance & Resources Contact us to discuss your business challenges and needs, so we can walk through assistance programs available through various sources. commercial@capcomfcu.org (800) 468-5500 ext. 2948

Mortgage products are offered by our Mortgage Team, Homeowners Advantage (HOA), which is a subsidiary of CAP COM FCU. HOA is a Licensed Mortgage Banker – NYS Dept. of Financial Services. HOA NMLS Identifier: 290363. Principal Address: 4 Winners Circle, Albany NY 12205.

CAP COM FCU NMLS Identifier: 401261

Not Credit Union Deposits or Obligations

Community Partnerships CAP COM partners with many non-profits in the community to serve those in need. To help bridge budget gaps during this difficult time, we’re offering funding assistance to sustain our existing partnerships.

Community Amplifying Support We’re ramping up community efforts with an infusion of funding to non-profits that partner with CAP COM. We’re giving priority to local organizations that address food insecurity, health issues, and housing. A donation of $50,000 went to the Regional Food Bank of Northeastern NY in April. This is in addition to considerable support provided throughout the year to non-profit partners through the CAP COM Cares Foundation. www.capcomfcu.org/community

PRSRT STD U.S. Postage PAID Albany, NY Permit #186

At Your Fingertips “We want members to know they can perform transactions safely and securely, using our popular digital banking resources and drive-thru services. Contact us for help.”

–Jason Greco, Chief Technology Officer

LINES

Health Information National Centers for Disease Control www.cdc.gov/coronavirus

4 Winners Circle Albany, NY 12205

New York

SPECIAL EDITION Spring 2020

of Communication

Coronavirus Updates https://coronavirus.health.ny.gov.

Capital Region Albany County www.albanycounty.com Rensselaer County www.rensco.com Schenectady County www.schenectadycounty.com

Deposit Checks

Pay Bills

Mobile Deposit. In your CAP COM app, deposit your check by selecting Check Deposit and following the prompts. www.capcomfcu.org/rd

Bill Pay. In your online account or mobile app, select Bill Pay to make one-time or recurring payments. www.capcomfcu.org/billpay

ClickSWITCH. Set up or switch your direct deposits – payroll, Social Security, etc. – by logging in to your online account and choosing ClickSWITCH (sorry, not available on mobile). www.capcomfcu.org/clickswitch

Touch-Free Checkouts Digital Wallet. At the checkout, you can pay with your mobile phone, so you don’t have to handle cash. Load your debit and credit cards into your digital wallet and start using Apple Pay, Google Pay, or Samsung Pay the next time you shop. www.capcomfcu.org/wallet

Transfer Money to Family & Friends In your online account or mobile app, send money to: - Anyone in the U.S. with Popmoney or Bill Pay (see Pay Bills, above).

-

Another CAP COM member by choosing Send Money to a Member in online banking or Transfers in your mobile app. www.capcomfcu.org/tomember

You can also use the money-transfer features of Apple Pay cash and Google Pay (see Digital Wallet, left).

Update Your Information Has your contact info changed since it was last provided? Making updates is simple. Log in to your online account or mobile app to access your Settings.

Saratoga County www.saratogacountyny.gov

Get Cash ATM & Drive-Thru. Obtain cash 24/7 from free ATMs at CAP COM branches and 30,000 surcharge-free CO-OP ATMs nationwide. Our drive thrus also offer cash withdrawals.

Locations www.capcomfcu.org/locations See All Drive-Thru Services www.capcomfcu.org/drivethru

For other areas not included on this list, search for your county's name online.

WHEN YOU’RE READY “During this extraordinary time, we’re 100% focused on the dynamic needs of members while continuing to provide life-enhancing financial services.”

–Susan Fogarty, Chief Relationship Officer

Discover More Options See what else you can do in your online account or mobile app.

- View balances and statements - Transfer funds between accounts - See paid checks, stop check payments - Turn your debit card on or off - Add a savings account - Apply for a loan Have a few minutes? Log in or launch the CAP COM mobile app to explore.

RESOURCE GUIDE

CAP COM Support Visit www.capcomfcu.org

Some of your plans may be on pause until life gets back to normal.

Other needs can’t wait. When you’re ready, let's make good things happen.

Call (800) 634-2340

Buying a Car www.capcomcars.org (800) 634-2340

Insurance www.capcomfcu.org/insurance (518) 641-6979

Email service@capcomfcu.org

Buying a Home www.capcomfcu.org/mortgage (518) 690-2232

Paying for College www.capcomfcu.org/collegebound (800) 634-2340

Refinancing Your Mortgage www.capcomfcu.org/mortgage (518) 690-2232

Financial Independence Coaching www.capcomfinancial.com (518) 782-0209

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