Disclosures

Notice – USA Patriot Act

The Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001, commonly referred to as the USA Patriot Act, is a direct response to September 11, 2001. The Department of Treasury issued new regulations setting forth minimum standards for financial institutions that relate to the identification and verification of any person who applies to open an account. This law is intended to facilitate the prevention, detection, and prosecution of international money laundering and financing of terrorism.

Effective October 1, 2003, all credit unions and other financial institutions must be in compliance with the regulations of the Patriot Act. Therefore, MidUSA Credit Union adopted new procedures for opening new accounts. To help the government fight the funding of terrorism and money-laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. MidUSA CU will now ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. We ask for your cooperation and understanding in this effort to protect our nation.

CONSUMER ALERT

MidUSA Credit Union always has your financial interest in mind, and part of that is financial security and privacy. MidUSA CU will NEVER send you any communications with a link to a web page or login screen, or any request for personal information such as account numbers, PINs, or other passwords. If you receive a questionable e-mail requesting personal MidUSA CU information, or an e-mail that appears to be from MidUSA CU that includes a link to any website, please contact MidUSA CU at (800) 633-8905 or (513) 420-8640.

Reg GG Notification

Prohibition on Unlawful Funding of Internet Gambling

The Unlawful Internet Gambling Enforcement Act of 2006 (UIGEA / Reg GG) prohibits any person engaged in the business of betting or wagering (as defined in the Act) from knowingly accepting payments in connection with the participation of another person in unlawful internet gambling.

As defined in Regulation GG, unlawful internet gambling means to “place, receive or otherwise knowingly transmit a bet or wager by any means which involves the use, at least in part, of the internet where such bet or wager is unlawful under any applicable Federal or state law in the State in which the bet or wager is initiated, received or otherwise made”.

As a customer of MidUSA Credit Union, Inc., these restricted transactions are prohibited from being processed through your account or banking relationship with us. If you do engage in an internet gambling business and open a new account with us, we will ask that you provide evidence of your legal capacity to do so.

Notice: Federal Reserve Bank’s Regulation E

Under the Federal Reserve Bank’s Regulation E, members of MidUSA Credit Union are required to personally notify MidUSA (or “Opt-In”) if you want the Credit Union to automatically pay overdrafts on your ATM or Debit Card transactions, through our Courtesy Pay program. MidUSA will not automatically allow overdrafts to occur on ATM or Debit Card transactions on existing accounts unless you give us permission to do so. As a result you may experience more frequent denials when using your card. To avoid any interruption in your card use, please visit any MidUSA branch to enroll in our Courtesy Pay program. Please note that this regulation only applies to those transfers done by ATM/Debit Cards. Overdrafts occurring with Share Drafts and ACH transactions may still be automatically allowed by MidUSA for a fee. The Federal Reserve Bank’s Regulation E is a directive of the Federal Government and applies to all financial institutions.

MidUSA Credit Union Best Value Guarantee

The MidUSA Best Value Guarantee is our pledge to our members that we will provide you the area’s best financial value from the area’s most trusted financial institution. At MidUSA, you’ll receive the best local loan rates, best checking account value, and receive some of the best everyday savings and certificate rates in town—we guarantee it!

*Figures based on a comparison of the checking account fees and charges incurred at select local financial institutions compared to current MidUSA CU fees and charges. Results certified by Condit and Associates, CPAs, Columbus, Ohio.

**If, within 30 days of a loan approval at MidUSA CU, a member brings in written documentation from a competing local financial institution that shows the member was approved for a better loan rate on a similar loan request to the one approved by MidUSA CU, MidUSA CU will match the loan rate with the same loan terms and conditions of the competing local institution. If the member was approved for a loan with MidUSA CU and MidUSA CU decides not to match the rate of the competing local financial institution but the member chooses to close the loan at MidUSA CU anyway, MidUSA Credit Union will deposit $50 into the member’s MidUSA CU account of choice once the loan with MidUSA CU is closed with the original terms. If the member does not close the loan with MidUSA CU, the $50 is not paid. Member must show written documentation of the loan approval and the lower approved loan rate from a competing local financial institution; advertisements will not be accepted. Excludes internet offers, member business loans, overdraft line of credit, credit cards, dealer, captive, indirect lending, and subsidized financing & 1st mortgage loans. Non-standard loan approvals for members with credit scores less than 620 may not be eligible.