Merger Guide and Checklist

Everything You Need to Know About the Mill City + City & County Credit Union Merger

Keep this information handy. Do not discard.

As Mill City and City & County work towards the collaborative merger of our long-standing successful credit unions into one organization, we want to assure you that we are truly stronger together.

With a combined mission of

Empowering you to do more, by doing what’s right every day. this merger will allow us to combine our best practices and better serve you, our member-owners. As we value transparency in all that we do, here are a few things to expect in the coming months.

What to Expect Although January 1, 2019 marked the legal date for the merger and co-brand, the transition of your accounts to City & County Credit Union won’t happen until system conversion on June 1, 2019. We’ve been working hard behind the scenes to make this conversion as easy as possible.

What You Need to Do VERIFY YOUR 1 CONTACT INFO

CHECK 2 YOUR INBOX

LEARN 3 MORE

Verify your address, phone number and email by logging in to Virtual Branch (Online Banking) or reviewing your statements. You are also welcome to use secure Chat at millcity.cccu.com, call us at (800) 284-6328 or come in to any branch.

We will keep you up-to-date on all the changes April to June. You’ll receive either email or standard mail. Emails will come from credit.union@cccu.com.

Check your Spam folder if you haven’t received a message.

Check out the rest of this booklet for details about Your Account, Statements, Online & Mobile Banking, and CCCU Membership or learn more online at millcity.cccu.com.

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Merger Checklist 4 WEEKS TO GO | Friday, May 3

VERIFY YOUR CONTACT INFO Verify your address, phone number and email by logging in to Virtual Branch, reviewing your statements, or contacting us.

LAST DAY | Friday, May 31

CHECK YOUR BALANCES Make sure to check your balance before the conversion and track your spending carefully to avoid overdraft charges. Note: Virtual Branch (Online Banking) will be unavailable at 3pm on Friday, May 31 and Mobile, Automated Telephone Banking will be unavailable beginning at 6pm on Friday, May 31. SavvyMoney, CardValet and MyWallet will also be discontinued at this time.

LEARN MORE Visit millcity.cccu.com for details about all the changes.

3 WEEKS TO GO | Friday, May 10

CHECK YOUR INBOX & MAIL We’ll keep you up-to-date on all the changes April – June, via email or letter. Emails will come from credit.union@cccu.com. Check your Spam folder if you haven’t received a message.

2 WEEKS TO GO | Friday, May 17

SYSTEM CONVERSION STARTS FRIDAY, MAY 31, AT 6PM (CT) LIVE ON CCCU | Monday, June 3

The first time you log in on the CCCU Online Banking System, you’ll use your current Mill City Username from Virtual Branch and will need to select the ‘Forgot Password’ button to set a new password. You can register online at cccu.com or directly from your mobile device simply search ‘City & County’ in your app store.

NEW DEBIT CARD If you currently have a Debit Card, you’ll receive a new card in the mail BY May 22. Activate and set your new PIN immediately, BUT continue using your existing Mill City debit card until 7am on Monday, June 3.

ONLINE BANKING Save any notices that you want to retain from Virtual Branch (Online Banking). Only 20-months of eStatements and 2017 & 2018 Tax Statements will carry over into the new online banking system.

NEW ONLINE AND MOBILE BANKING LIVE

START USING YOUR NEW CCCU DEBIT CARD If you haven’t already, activate your new CCCU Debit Card and begin using it after 7am (CT). Don’t forget to add your new debit card to your digital wallet for convenient cardless payments!

1 WEEK TO GO | Friday, May 24

ONLINE TRANSACTION HISTORY Transaction history and check images from Virtual Branch will not carry over to the new Online Banking system. Download transaction history and take screen shots of any check images you may need.

ONLINE ALERTS, NICKNAMES & SCHEDULED TRANSFERS

NEED HELP?

CALL (800) 284-6328, CHAT ONLINE AT MILLCITY.CCCU.COM, OR VISIT ANY BRANCH.

Any alerts, nicknames and recurring transfers set up in Virtual Branch will not automatically move into the new online banking system. Take screenshots so you can easily set up after system conversion.

GRAB CASH Online, Mobile & Telephone Banking will be unavailable during the system conversion, so having a couple payment options or extra cash is a good idea.

(800) 284-6328 | MILLCITY.CCCU.COM

Your Accounts WHAT’S NEW? Because each of our credit unions used similar numbering systems, there were duplicate member numbers. As it is our goal to always keep your personal and financial information safe and secure, all Mill City members will receive a new 9-digit member number. The new member number will be your existing member number with the added prefix of ‘9’, and if necessary the appropriate number of ‘0’s to create the new 9-digit account. Depending on how long your existing member number is will determine how many prefixes are added.

WHAT DO YOU NEED TO DO? We’ll move everything over for you. This will not affect your checks or automatic withdrawals/deposits. We recommend that you take screenshots of your accounts now, to help differentiate accounts after the system conversion.

NEW 9-DIGIT MEMBER NUMBER EXAMPLES Current Number 12345678 New Number 912345678 Current Number 1234567 New Number 901234567 Current Number 123456 New Number 900123456 Current Number 12345 New Number 900012345

More Details WHERE CAN I FIND MY NEW ACCOUNT NUMBER?

WILL MY CREDIT CARD NUMBERS CHANGE?

After the system conversion, your new account number will be on your monthly eStatements in Online Banking (beginning with your June 2019 eStatement).

No, your credit cards will not be impacted and you’ll continue to utilize the Elan My Account Access site for transaction history/card access.

WILL MY CHECKS STILL WORK?

WILL MY AUTOMATIC TRANSFERS, DEPOSITS AND WITHDRAWALS STILL WORK?

Yes. The next time you order checks, your information will be updated accordingly. In the meantime, your checks will work as usual.

WILL MY DEBIT CARD NUMBERS CHANGE? Yes. You should receive your new card in the mail by May 22. Activate and set your PIN immediately, but continue to use your existing Mill City Debit Card until 7am on June 3. Your new City & County Debit Card will not work until 7am on June 3. You will need to provide your new debit card number to anyone that you send/receive money from so they can update their records.

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Yes. Automatic transfers, deposits and withdrawals will post to your account as usual. Although we will redirect your automatic transactions, we recommend that you give your new account number to any person or company who automatically debits or credits your account. All scheduled transfers set up within Online Banking (Virtual Branch) will need to be set up post conversion.

WILL THE ROUTING NUMBER CHANGE? Yes. After June 1, the new routing number will be 296075810.

Please use this number for any new ACH or recurring payments.

Statements WHAT’S NEW? Statements will have a new look. If you don’t already have eStatements, make sure to enroll so you can view them in Online or Mobile Banking.

WHAT DO YOU NEED TO DO? Check your mailbox. All Mill City members will receive a paper May statement in June. After that, you’ll start getting statements with the new design in July – either paper or eStatement depending on how you have elected to receive statements.

More Details HOW WILL MY MAY 2019 STATEMENT BE AFFECTED?

DO I NEED TO RE-ENROLL IN ESTATEMENTS?

May statements will be processed as usual after the last business day of May. To help with the transition, everyone will receive a printed version of their May statement.

If you are currently an eStatement member you will continue to receive your statements via eStatement and will have up to 20 months of eStatement history in Online Banking. Please note, you will receive a paper May Statement in June, but it will also be available online.

WILL I BE ABLE TO ACCESS PREVIOUS ESTATEMENTS? Yes, 20-months of eStatements will carry over into the new online banking system.

LOAN COUPON BOOKS If you have a loan and use coupon books, you’ll receive a new book in June.

WILL MY TRANSACTION HISTORY LOOK DIFFERENT? Yes. Things will look a bit different, but the important information (i.e. Deposit, Withdrawal, ATM Withdrawal) will still be included.

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Online & Mobile Banking We are always searching for new ways to make your life easier. Glancing at your balance while standing in a checkout line should be effortless. Looking up a particular transaction should take no more than a few taps. Solutions that are smarter, less complicated and available when you need them are what we aim to deliver. With our online and mobile solutions you’ll enjoy:

SIMPLE TO USE

P2P

Check on your account easily anytime with mobile banking.

You can even skip the passcode and log in with touch or face ID.

Easily pay friends for free with Send Money or Popmoney.

MOBILE CHECK DEPOSIT Easily deposit a check into your account by snapping a photo of it with your smartphone or tablet.

MY FICO SCORE Monitor your credit score for FREE with City & County Credit Union’s My FICO Score feature.

QUICK BALANCES Check your account balance on the app without even logging in.

Registration HOW DO I LOG IN TO ONLINE & MOBILE BANKING? The first time you log in on the CCCU Online Banking System, you’ll use your current Mill City Username from Virtual Branch and will need to select the ‘Forgot Password’ button to set a new password.

You can do this online at cccu.com or from your mobile device - simply search ‘City & County’ in your app store. Note: Email address will be the most current email that is on file in Virtual Branch.

CAN I REGISTER FROM MY PHONE?

IS THE CCCU SYSTEM SECURE?

Yes. You can register directly from your mobile device simply search ‘City & County’ in your app store.

Absolutely. Our system verifies your identity via call, text or security questions. There are also additional layers of security to combat fast-moving threats and detect fraud.

(800) 284-6328 | MILLCITY.CCCU.COM

Mobile Check Deposits MOBILE CHECK DEPOSITS We’re excited to offer Mobile Deposit with improved check recognition and top-of the line technology. Mobile Deposit lets you deposit your checks anytime, anywhere with your Android or Apple device.

How does it work? It’s easy. After the system conversion, choose “Check Deposit” from the menu. Choose the account you want to deposit to, the amount of the check and snap a photo of the front and back of the check. Make sure to write “For Mobile Deposit only at CCCU” on the back of the check. *All checks are subject to review and temporary holds may be placed based on check details and account status.

Cross Account Access Upon initial login, you will only see the Primary Member accounts, your cross-accounts will not automatically carry over. Setting up Cross-Account Access is easy in the new online banking system and you can create one central login to view, withdraw and deposit money between accounts.

COMMON USES FOR CROSS-ACCOUNT ACCESS: · Spouses or partners give each other access to joint or individual accounts · Children give account access to their parents · Aging parents give account access to adult children · Members with a business and personal account at CCCU · Members with more than one primary account Detailed instructions on how to set up cross-account access is available at cccu.com/cross-account.

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Virtual Branch (Online Banking) FAQ WILL I HAVE MY TRANSACTION HISTORY?

CAN I STILL USE DIGITAL WALLETS?

No. Transaction history and check images, will not carry over to the new system. However, you will have access to 20-months worth of eStatements. As mentioned in the checklist, remember to download transaction history and take screen shots of any check images that you may need.

Yes. City & County Credit Union makes it simple to pay with your credit or debit card. Use your phone, watch, tablet or computer to make easy, secure payments with your City & County Credit Union debit or credit card using Apple Pay, Google Pay, Masterpass, Microsoft Wallet or Samsung Pay. Remember to add your new debit card to your digital wallet for convenient cardless payments on June 3!

CAN I SEND CCCU A MESSAGE? Yes. If you have a question for us, click on the envelope icon at the top of the page in Online Banking to send us a secure message.

We can also send messages to you or send documents back and forth, if needed.

IS BILL PAY CHANGING? WILL I NEED TO RE-REGISTER? Bill Pay will not be changing. You will also be able to use any of your checking accounts for paying bills. You will not need to reregister because your registration will transfer to the new system.

CAN I STILL SEND MONEY TO PEOPLE OUTSIDE OF CCCU? Yes. You can send funds to another person with Popmoney in Online or Mobile and Send Money in Mobile.

HOW DOES SEND MONEY WORK? Send Money is a feature in our mobile app that lets you send money to any friend, no matter if they are a City & County member or not.

LOGIN. Log into our mobile app. Open the menu. Tap Send Money.

ENTER INFO. Enter your friend’s email or cell number. Enter the amount you’re paying and your City & County debit card info.

SEND & CLAIM. You click send and your friend receives an email or text with directions on how to claim the money.

Any payment sent through Send Money must be claimed within 10 days or the payment will automatically cancel.

WILL MY ALERTS & ONLINE SCHEDULED TRANSFERS CARRY OVER? Any alerts, nicknames and recurring online transfers that you’ve set up in Virtual Branch will not automatically move into the new online banking system. Take screenshots so you can set them up after system conversion.

CCCU Membership You are now a member of Minnesota’s 7th largest Credit Union in the metro area.

While bigger does not always equal better, it does in our case. We promise it doesn’t mean we’ve lost the local feel nor will we forget your name. Know that we are doing everything in our power to earn your confidence and trust as we deliver the credit union experience that you want, and more importantly deserve.

Other Changes EXPANDED ACCESS

MEMBERSHIP ELIGIBILITY

Now with our expanded branch network, you have access to 6 new Minnesota branch locations in St Paul, Eagan, Maplewood, Lake Elmo, Woodbury and Shoreview.

As a combined organization, membership is now available to: Anyone who lives, works, worships, volunteers or attends school in Minnesota counties of Carver, Hennepin, McLeod, Meeker, Northern Dakota, Ramsey, Washington, or Wright County.

Beyond the addition of new branches, you can expect continued access to a wide array of fee-free ATMs and Credit Union Shared Branching with over 5,000 locations nationwide. We will continue to evaluate new and emerging technologies to make banking easy from anywhere you choose.

MILL CITY BRAND

Relatives of any current City & County or Mill City member.

Employees, retirees of General Mills, Inc Nationwide and family members.

MEMBERSHIP AGREEMENT & FEE SCHEDULE At City & County, we’re dedicated to keeping our fees transparent.

Mill City and City & County both come from a rich history of cooperation and while each of our stories are unique, our similarities are far greater than our differences. To best represent the truly collaborative nature of this merger, all Mill City branches became Mill City a Division of City & County Credit Union on January 1, 2019. Adopting this co-brand unifies us all and demonstrates that we are stronger together.

As of June 1, 2019, our Membership Agreement and Fee Schedule will be updated.

To view the updated Membership Agreement or Fee Schedule, visit millcity.cccu.com or call us to request a copy.

(800) 284-6328 | MILLCITY.CCCU.COM

Help Center Although January 1, 2019 marked the legal date for our merger and co-brand, the transition of your accounts to City & County Credit Union will occur after 6pm on Friday, May 31 through 7am (CT) on Monday, June 3. During this time, some of our services will be unavailable.

BRANCHES

ATMS

CLOSED June 1 and we will reopen June 3.

AVAILABLE during the system conversion. Remember to track your spending carefully to avoid unnecessary overdraft charges and don’t forget, as a CCCU Member you have access to nearly 100,000 fee-free ATMs - that’s more than most of the biggest banks.

MEMBER CONNECTIONS/CONTACT CENTER OPEN on Saturday, June 1 from 9am-3pm (CT) EXTENDED HOURS June 3-7: 7:30am to 7pm (CT) Monday-Friday.

ATM Deposits, however, will be unavailable during system conversion.

ONLINE & MOBILE BANKING

AUTOMATED TELEPHONE BANKING

UNAVAILABLE during the system conversion.

UNAVAILABLE during the system conversion. We suggest that you check your balances, review your account activity and perform any necessary online transactions with plenty of time ahead of the system conversion.

Make sure to check your balances, review your account activity and perform any necessary online transactions with plenty of time ahead of the merger system conversion.

Don’t forget to grab some extra cash as a back-up payment option.

DEBIT CARDS LIMITED AVAILABILITY during the system conversion, so having a couple payment options or extra cash is a good idea. Make sure to check your balance before the system conversion and track your spending carefully to avoid overdraft charges.

(800) 284-6328 | MILLCITY.CCCU.COM

Service Availability The following will be UNAVAILABLE after 6pm on Friday, May 31 until we reopen on June 3.

The following will be AVAILABLE during the system conversion.

BRANCHES

DEBIT CARDS

ONLINE & MOBILE BANKING

CREDIT CARDS

AUTOMATED TELEPHONE BANKING

ATMS

Final Reminders Update your contact information.

Extended Hours Our Member Connections/Contact Center will be OPEN on Saturday, June 1 from 9am-3pm (CT) and will have EXTENDED HOURS June 3-7: 7:30am to 7pm (CT) Monday-Friday.

Check your inbox for messages.

Review the checklist included with this booklet.

Check your balances prior to the upgrade.

STILL HAVE QUESTIONS?

Grab some cash as a back-up payment option.

Track your spending carefully during the system conversion to avoid overdraft charges.

millcity.cccu.com

(800) 284-6328

millcity.cccu.com

Visit your nearest branch location

(800) 284-6328 | MILLCITY.CCCU.COM

Prsrt. Std. U.S. Postage PAID Twin Cities, MN Permit No. 1046

144 11th Street East St. Paul, MN 55101-2380 Change Service Requested

LEARN MORE ABOUT THE MERGER ONLINE: millcity.cccu.com

CONTACT US IF YOU HAVE FURTHER QUESTIONS: Call (800) 284-6328 or chat online at millcity.cccu.com

OR VISIT A BRANCH Effective April 2019

Federally Insured by NCUA Equal Housing Lender