The first time you access Internet banking, you will need to use the 19 digit number on your MemberCard® Debit Card as your User ID. Your Personal Access Code will be the last 4 digits of your card + the number “5”. With your first sign in, you will be prompted to change your Personal Access Code. Your Code must be 5-8 digits (numbers only).

Other Important Information
Christian Credit Union will be converting to a new banking system in March 2010. The current banking system has served us well over the past twenty years, but it has reached the end of its life cycle. The new banking system will allow us to provide better service to our members. This system integrates in-branch, ATM and Internet banking systems and provides a consolidated view of members’ existing accounts and products. This will enable Christian Credit Union to offer members more products and service solutions to further help them reach their financial goals.

Below are some important dates and frequently asked questions about the
conversion process.

What do I need to do to be prepared for the banking system change?
There are several things that you can do to help minimize any migration related inconveniences:

• Have alternate payment methods available, including cash, credit cards and cheques.
• Remember to make last minute bill payments in advance of the migration weekend.
• Complete special in-branch transactions such as traveler’s cheques, money orders, foreign currency, and bank drafts.
• If you download your account history to a financial software program such as Quicken, we recommend you do so as close to 5 pm on Thursday, March 4, 2010 as possible. You will be unable to obtain any account history from the previous Internet banking program (cuanytime) after conversion.
• Read the materials that are being sent to you.

What disruptions to services can I expect? How can I prepare for
these disruptions?
As stated in the schedule above, Internet banking, Automated Teller Machines (ATM) and Debit Card Purchases will not be available during the conversion weekend. We recommend that you withdraw sufficient cash prior to Friday, March 5, 2010. Alternatively, use your Christian Credit Union MasterCard® or other credit card during the conversion weekend.

How will MemberCard® Debit Cards be affected by the banking
system migration?
They won’t. MemberCard® Debit Cards will continue to operate as usual after migration.

Will Internet banking be affected?
As a result of the conversion, we’ve had the opportunity to enhance our Internet Banking services. You will now access your account using your MemberCard® Debit Card number and a new Personal Access Code.

The first time you access Internet banking, you will need to use the 19 digit number on your MemberCard® Debit Card as your User ID. Your Personal Access Code will be the last 4 digits of your card + the number “5”. With your first sign in, you will be prompted to change your Personal Access Code. Your Code must be 5-8 digits (numbers only).

What will happen to recurring and future dated transfers and bill payments that I have set up on Internet banking?
Unfortunately, you will need to reset recurring and future dated transfers and bill payments on Internet banking after March 8, 2010. Please reset all payments that are due after March 4, as they will not work during the conversion weekend.

Do I need a MemberCard® Debit Card to access Internet banking?
Yes, please attend your nearest branch to obtain a Card if you do not have one.

What are some of the new features of Internet banking?

• Information such as balances on your accounts will be available when you first log in.
• Transfer back and forth between your account and High Interest Tax Free Savings Account.
• Transfer to your variable rate RRSP Account.
• Order cheques.
• Place a stop payment on cheques (full particulars required).
• Rename your accounts for what you use them for. If you are saving for a vacation in a savings account, you could rename it "Vacation".
• Eventually you will be able to retrieve up to 1 year of account history.

What will happen to Telephone (TeleService®) banking?

Telephone banking will be DISCONTINUED March 5, 2010.
Unfortunately, our current telephone banking service is also reaching the end of its life cycle. We have diligently searched for alternate telephone banking service providers but the quality of the new service would be inferior to our existing telephone banking service. Although we would like to offer telephone banking, the quality of the new service and the small number of members who use telephone banking do not support the significant cost involved in continuing this service. We sincerely apologize for the inconvenience this will cause you.

Below are some alternatives to telephone banking:

1. Internet banking – a safe and secure way to pay bills, transfer funds between accounts and check balances and history.
2. Pre-authorized withdrawals – provide service providers (utilities, etc.) with a VOID cheque to automatically withdraw funds from your account. You will be required to complete a preauthorized withdrawal form for each service provider.
3. Mobile Banking – a new service expected to launch in March 2010 where members can obtain balances and account histories on their mobile (e.g. cell phone) device.
4. Contact your branch for balances and to pay bills (service fees may apply).

What happens with automatic payments/transfers and other pre-authorized transactions that I have set up?
All pre-authorized transfers and payments between accounts will continue to operate and be processed normally. This includes loan payments.

How are my statements changing?

• Statements will still be produced on the 26th (personal) and end of month (business) for chequing accounts
• Regular monthly statements for chequing accounts which will include savings, term deposits and common shares
• Savings accounts (includes youth accounts) will continue to receive statements on calendar quarters (Mar, June, Sept, Dec)
• RRSP/RRIF will switch to semi-annual statements (June 30 & Dec. 31) and will be mailed separately.
• All accounts will receive an additional statement on March 4, 2010.