Dear Member, We are excited to announce we are upgrading our data processing systems on November 1st, 2020. We are embarking on this ambitious project to partner with a data processing provider that will allow us to better respond to the rapidly changing needs of the financial services industry. This change will impact all of our Members. The Credit Union management and staff have been working on this project for many months. Our employees have spent many hours preparing for this change and have received much training. This booklet contains information to ensure a smooth transition from our old system to the new system. We encourage you to review this information to gain an understanding as to how this data processing upgrade may affect you and your accounts. We appreciate your patience during this transition. Despite the many hours of preparation, we recognize that problems may arise. We encourage you to call us at 207-353-4144 with any questions you may have. Sincerely yours, George George R. Roy President/CEO

MESSAGE FROM YOUR CREDIT UNION

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PASSBOOK ACCOUNTS. Passbook savings and loan accounts

will no longer be supported after this change. All existing passbook savings and loan accounts will be converted to statement accounts on November 1st.

HOME BANKING. We are moving to an entirely different Home Banking service. Please refer to instructions on Pages 8, 9 and 10 on how to register for this new service.

MOBILE BANKING. We are moving to an entirely different

Mobile Banking service. Please refer to instructions on Pages 8, 9 and 10 on how to download the new Mobile Banking Application.

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THINGS THAT ARE CHANGING

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REMOTE DEPOSIT CAPTURE. The Remote Deposit Capture vendor is

changing, but Remote Deposit Capture will continue to be available as part of our Mobile Banking service.

AUDIO RESPONSE TELLER (A.R.T.). We are moving to an entirely different Audio Response Teller. Please refer to instructions on Page 7 on how to register for this new service.

PROPAY. The ProPay service will initially not be part

of the new Home Banking service. Those Members accustomed to making loan payments using our ProPay service through Home Banking will need to call the credit union to initiate this payment. We expect to integrate ProPay within the new Home Banking service in the near future.

CURRENT NEW SHARE IDs SHARE IDs ------------- —------------

Regular Savings Accounts 10-15 0000-0015 Money Market Accounts 60-63 0000-0015 Escrow Share Accounts 70-74 0023-0029 IRA Shares 50-53; 55 0030-0039 Club Accounts 20-43 0050-0069 Checking Accounts 00-09; 80-81 0070-0079 Health Savings Accounts 54 0070-0079 Regular Certificates 100-106 0100-0199 IRA Certificates 200-206 0200-0299 Roth IRA Certificates 300-306 0300-0399 Roth Conversion Certificates 400-406 0400-0499 Coverdell IRA Certificates 500-506 0500-0599

CHANGES TO ACCOUNT SHARE IDs. No changes to your Membership Number will occur as a

result of this data processing system change, but the share IDs on certain deposit accounts will change. These changes are described below:

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PASSBOOK ACCOUNT HOLDERS. Passbook account holders may want to update their passbooks at some point during the month of October if you desire to have any unposted entries post to your passbook. We will be unable to post to passbooks after October 30th.

eSTATEMENTS. With the new Home Banking service,

those Members who have elected eStatements will have access to 12 months of statements, instead of the 24 months currently provided. Those Members who desire to save these older statements on their hard drive will need to do so by the close of business on Friday, October 30th.

HOME BANKING ALERTS. Any alert you have set up within the current Home Banking service will not be carried over to the new Home Banking. You may want to make a note of the current alerts you have, and re-create them once you have registered for the new Home Banking system.

THE CREDIT UNION OFFICES WILL BE CLOSED ON SATURDAY,

OCTOBER 31ST

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THINGS TO DO BEFORE 6:00PM ON FRIDAY,

OCTOBER 30TH

MOVING TO NEW SYSTEM. The move to the new system will begin immediately after 6:00pm on Friday, October 30th. At that time, we will be performing all regular End-of-Day and End-of-Month routines, including the posting of month end dividends and the creation of monthly statements.

SERVICES THAT WILL NOT BE AVAILABLE DURING

THIS TIME PERIOD ARE: a) Shared Branching b) Home Banking c) Mobile Banking d) Bill Payer e) Audio Response Teller (A.R.T.) f) Secure web-based consumer loan application g) Remote Deposit Capture – will be unavailable beginning at 5:00pm on Friday, October 30th

SERVICES THAT WILL BE AVAILABLE ARE:

1) Access to cash at Lisbon Credit Union ATMs 2) ATM Cash withdraws, including withdrawals at all SURF ATMs. 3) VISA Debit Cards will work at all merchants. 4) VISA Credit Cards will work at all merchants. 5) Online real estate loan applications.

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WHAT WILL BE HAPPENING BETWEEN 6:00PM ON FRIDAY,

OCTOBER 30TH & 7AM ON MONDAY, NOVEMBER 2ND

REGISTER INTO THE NEW HOME BANKING AND/OR MOBILE BANKING SERVICE. Follow steps on Pages 8, 9 and 10 to register into the new Home Banking and Mobile Banking service.

REGISTER INTO THE NEW AUDIO RESPONSE TELLER

(A.R.T.). The same phone numbers you have been using for A.R.T. will remain active. Dial 207-353-5195 or toll free at 888-353-5195, listen carefully to the new prompts, as menu options have changed. a) When prompted for your ID#, enter your Account Number. b) To create a new PIN, enter your Social Security Number. Once your Social Security Number has been verified, you will be asked to enter a new PIN. c) Follow menu prompts to obtain the account information you are seeking.

RE-CREATE ACCOUNT ALERTS WITHIN HOME

BANKING. Any account alert previous created in the old Home Banking service will need to be re-created in the new Home Banking service.

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THINGS TO DO ON MONDAY,

NOVEMBER 2ND

One of the major reasons we decided to change data processing systems is to improve the functionality and reliability of our Home Banking and Mobile Banking services. On or after Monday, November 2nd, you will need to register in the new platform before you can access your accounts in Home Banking or Mobile Banking. You can register on your desktop in any browser, or open the Mobile Banking app on any device.

For those Members seeking to gain access to both Home Banking and Mobile Banking, you will only need to go through the registration process once. You will also be able to use the same login credentials whether you are using Home Banking or Mobile Banking.

Please follow the steps below to complete the Home Banking and Mobile Banking registration process. Step 1. Navigate to the Home Banking Login Screen or Retrieve the Lisbon Community FCU Mobile Banking App .

• To register Home Banking, go to www.lisboncu.org and click on the Home Banking icon

• To register Mobile Banking on an iOS device, go to the Apple App Store and search for “Lisbon CU”

• To register Mobile Banking on an Android device, go to the Google Play store and search for “Lisbon CU”

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HOME BANKING AND MOBILE BANKING ENROLLMENT

STEPS (TO BE DONE ON, OR AFTER, NOVEMBER 2ND)

Step 2. Establish Identify. Choose whether you are enrolling as a business user or as a consumer. Where prompted:

• Enter your 9-digit Social Security Number or your tax identification number

• Enter your Membership Number

• Enter your Birthday

• <Click Next Step or Continue>

Step 3. Contact Information.

• Confirm email address that displays is accurate. If you do not see an email address, or the email address is not correct, please contact the Credit Union at 207-353-4144. A valid email address is needed to complete the registration of Home Banking and/or Mobile Banking.

• <Click Next Step or Continue>

Step 4. Login Information.

Where prompted:

• Enter your New Username

• Enter your New Password

• Confirm your New Password

• Enter a Security Phrase

• Choose a Security Image

• Choose three Security Challenge Questions

• <Click Next Step or Continue>

Step 5. Select Your Account Feature Preferences.

• Select whether or not you desire eStatements.

• Select whether you desire increased security by requiring a Challenge Question on every login.

• Select whether your desire enhanced security by requiring an OTP (one-time-PIN) on every login.

• <Click Next Step or Continue> 9

Step 6. Confirmation and Terms/Conditions.

• Confirm all information entered is accurate

• Accept Terms and Conditions

• <Click Confirm and Enroll) Step 7. Enrollment Success. You will automatically be redirected to the login screen when enrollment is successful. Step 8. One Time Pin (OTP). As a security precaution, the first time logging in on a device or browser will require an OTP (email) authentication. Check your registered email for the OTP. Once the OTP is entered, you will be able to view your accounts.

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SPECIAL NOTE

Transaction history before November 1st, 2020 will not be available in the new Home Banking or Mobile Banking. If you are enrolled in eStatements, you will have access to prior eStatements. Please refer to your statements for transaction history. If you do not have eStatements and want to know about older transactions, please contact the Credit Union and we will be happy to provide the information to you. History will begin to build on the new system beginning on November 1st.

• Will any part of my direct deposits, payroll deductions, or automatic payments change?

No. You should see no change in your direct deposits, automatic payments, or scheduled transfers. Everything should still come into the same accounts and distribute to the accounts requested.

• Will automatic payments to my loans continue as

scheduled? Yes. After the upgrade, your payments will continue to automatically transfer from your savings or checking account as requested, unless you cancel or change the payment request.

• If I put something in the Night Deposit box after

close of business on Friday, October 30th, when will it be processed?

Any item(s) put into a Night Deposit box after the close of business on Friday, October 30th will be processed on Monday, November 2nd.

• Will I have to order new checks?

No. The MICR number on your current checks will remain the same after the upgrade. You will not need to order new checks.

• Will the Credit Union’s routing number change?

No. The routing and transit number will not change.

FREQUENTLY ASKED

QUESTIONS

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• Will my Account Statements change? Yes. All Statements you receive from the Credit Union will have a different look, including saving and checking account statements, mortgage billing statements, Home Equity Line-of-Credit billing statements, and Preferred Credit Line statements. Although the statements will have a different look, the new statements will contain the same information as your current statements.

• Will I receive paper statements or eStatements?

If you receive paper statements today, you will continue to receive paper statements with the new system. If you receive eStatements today, you will continue to receive eStatements with the new system.

• Will I be able to access the website

www.lisboncu.org? Yes. Our website will continue to be active throughout the upgrade. Access to our Home Banking service will not be available.

• Will I need a new Lisbon Credit Union Debit

Card, ATM Card or VISA Credit Card following this change?

No. Your current Debit Card, ATM Card, and VISA Credit Card will continue to be active following this data processing change.

• Will the custom Account Descriptions I created

in Home Banking carry over to the new system? Yes. Any custom Account Descriptions you created will carry over to the new system. Furthermore, the new Home Banking system will continue to allow you to customize Account Descriptions moving forward.

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• Will any changes take place to the Bill Payer

service? No. We will continue to offer the same Bill Payer ser-vice currently in use. Access to Bill Payer will contin-ue to be through Home Banking or Mobile Banking. All of the vendors you have created will move for-ward to the new system. Any bill scheduled to be paid on November 2nd or after will be paid.

Questions? Please feel free

to contact us!

325 Lisbon St.

Lisbon, ME 04250

Phone #: 353-4144

Fax #: 353-7615

802 Sabattus St.

Lewiston, ME 04240

Phone #: 333-3214

Fax #: 333-3215

Website: www.lisboncu.org Email:

memberservices@lisboncu.org

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PO Box 878

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