Your 4Front Credit Union system upgrade and online bankingtransition instructions inside.

WE’RE UPGRADING TO SERVE YOU BETTER.

WHAT YOU NEED TO KNOW ABOUT OUR UPCOMING UPGRADE MAY 1-3

Temporary location closures and service availability details.

How to activate your new online banking service.

FORWARD FOCUSED

P.O. Box 795, Traverse City, MI 49685-0795www.4frontcu.com

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MARK YOUR CALENDAR! Key dates are coming up for the 4Front Credit Union system upgrade.

At the heart of the partnership that brought you 4Front Credit Union, is the commitment to ensuring our members enjoy access to the very best financial

solutions. We’re upgrading our banking technology to be more capable, faster, and more secure than ever, keeping you, our members, at the leading edge of full-service banking.

To ensure your data is safeguarded during the upgrade, select branches and account management services like telephone, online, and mobile banking will be temporarily suspended. Branch-specific impacts will vary and we've outlined them in this guide so you can properly plan ahead.

Service Schedule Key

Kalkaska, Mancelona, Manistee, and Traverse City branches.

Bellaire, Boyne City, Charlevoix, East Jordan, and Petoskey branches.

Prsrt. Std.U.S. Postage PaidTraverse City, MIPermit No. 226

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DOWNLOAD 4FRONTGO ON MAY 4! This companion mobile application offers all the same features as our new online banking

platform with the convenience of go-anywhere banking. Search “4FrontGo” in the App Store or Google Play.

ACTIVATE YOUR NEW ONLINE BANKING SERVICENew Online Banking Capabilities starting May 4, 2015

SERVICE SUSPENSION SCHEDULE4Front Credit Union branches in Kalkaska, Mancelona, Manistee, and Traverse City will be closed Friday, May 1 through Sunday, May 3 and all banking operations (telephone, online, and mobile banking) for accounts originally opened at these branches will be unavailable during this time.

Payroll and Social Security direct deposits for accounts opened at these branches and scheduled for Friday, May 1, will be posted the morning of Thursday, April 30.

All banking services (telephone, online, and mobile banking) for accounts opened at 4Front Credit Union branches in Bellaire, Boyne City, Charlevoix, East Jordan, and Petoskey will be unavailable on Sunday, May 3.

Payroll and Social Security direct deposits for accounts opened at these branches will post on the normal schedule, including those received on Friday, May 1.

WHAT TO EXPECT DURING TEMPORARY CLOSINGS

Telephone, Online and Mobile banking will be unavailable when branches are closed.

During the location-specific service interruptions listed above, your debit card will continue to function and ATM’s will continue to dispense available funds. However, you will not be able to verify your balance.

Our team will be available to answer any questions you might have in the days leading up to May 1 and after May 3. We will be focused on a stable and secure transition May 1-3 and thus not able to take calls during this time. Before May 1 and after May 3, call us at 800.765.0110 or 800.638.1182. Or visit our upgrade information page at www.4frontcu.com/upgrade.

If you are a new member or current member who HAS NOT USED online banking, please click

NEW ONLINE BANKING USERStep 1: Visit www.4frontcu.com.

Step 2: Select NEW ONLINE BANKING USER in the Online Banking Enrollment box.

Step 3: Enter your information as prompted, including your requested login ID. Your login ID must be 8-20 characters in length and must contain at least one letter and one number. It may also contain special characters and/or spaces. Click Continue. You’ll be taken to a confirmation page from which you can log into online banking.

Step 4: Click the link to be logged into online banking in a new window.

Step 5: Choose how you wish to receive your Secure Access Code, including email, smartphone (supplied via SMS text), and landline telephone (supplied via an auto-generated recorded voice call – extensions are not supported).

Step 6: Enter the code you receive in the box provided.

Step 7: When prompted choose whether you wish to register the device. Registering your device indicates it is under your control and you intend to use it to access your account again. Do not register the device if it is a public terminal, such as one located at a library or other publicly accessible location.

Step 8: Set and confirm your new password. Your new password must be 8 - 20 characters in length and must contain at least one letter and one number. It may also contain special characters and/or spaces.

Step 9: Review and update your member profile.

Step 10: Review and accept the First Time User Disclaimer.

Step 11: Begin enjoying your new 4Front Online Banking experience!

If you are a current member who HAS USED online banking before May 4, 2015, please click

FIRST LOG-IN AFTER MAY 3, 2015Step 1: Visit www.4frontcu.com.

Step 2: Select FIRST LOG-IN AFTER MAY 3, 2015 in the Online Banking Enrollment box.

Step 3: From the online banking login screen, select “First Login After May 3, 2015”

Step 4: Enter the last four digits of your account number and the last four digits of the primary account holder’s Social Security number (ex. 12345678) in the “Login ID” field and click Submit.

Step 5: Choose how you wish to receive your Secure Access Code, including email, smartphone (supplied via SMS text), and landline telephone (supplied via an auto-generated recorded voice call – extensions are not supported).

Step 6: Enter the code you receive in the box provided.

Step 7: When prompted, choose whether you wish to register the device. Registering your device indicates it is under your control and you intend to use it to access your account again. Do not register the device if it is a public terminal, such as one located at a library or other publicly accessible location.

Step 8: Set and confirm your new password. Your new password must be 8 - 20 characters in length and must contain at least one letter and one number. It may also contain special characters and/or spaces.

Step 9: Review and update your member profile.

Step 10: Set and confirm your username. Your username must be 8-20 characters in length and must contain at least one letter and one number. It may also contain special characters and/or spaces.

Step 11: Review and accept the First Time User Disclaimer.

Step 12: Begin enjoying your new 4Front Online Banking experience!

We’re excited to announce our new virtual banking experience, slated for release on May 4! Our new online banking platform, coupled with our integrated mobile banking application, will put a complete suite of financial management tools at your fingertips…

Intuitive and connected navigation that gets you where you need to be with a few taps of your finger and the help of streamlined menus.

Consistency between online banking and 4FrontGo, the mobile app, makes transitioning between both platforms a snap. No more learning two systems to manage one account.

Customizable account alerts remind you of important account events, warn you about the status of your accounts, and notify you when transactions occur so you can stay on top of your finances.

4FrontGo offers Mobile Remote Deposit Capture technology, allowing you to take a picture of an endorsed check and deposit the funds directly into your eligible 4Front Credit Union checking and savings accounts.

4Sight, your very own free personal financial management platform, helps you to set financial goals... and achieve them!

To ensure you can connect quickly and conveniently to your new virtual banking tools, please log into your current online banking account and confirm it lists your current email address and telephone number. Update these items if necessary, or if you’re prevented from doing so, contact us prior to May 1 and we’ll be happy to do it for you! Former Members Credit Union members call 800.765.0110 and previous Bay Winds Federal Credit Union members dial 800.638.1182.

On May 4, current online banking users can enhance their virtual banking experience by following the steps found in the FIRST LOG-IN AFTER MAY 3, 2015 section below. If you aren’t currently enjoying the convenience and freedom online and mobile banking offers, we’ve also provided the NEW ONLINE BANKING USER steps so you can get started!

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