Important information about upcoming changes to your accounts.

October 31, 2013

Dear Member,

We are writing with important information regarding upcoming changes to your deposit accounts. This letter includes several key dates as well as an explanation of how your Southside Credit Union (Southside) accounts will convert to Firstmark Credit Union (Firstmark) products.

With very few exceptions, these changes will be made automatically for your convenience. Through it all, we want to assure you that your accounts are safe and secure; not only are they federally insured by the National Credit Union Association (NCUA) up to $250,000, but also we will take the utmost care in protecting your privacy and communicating with you every step of the way.

Please take a look at the information in this packet: Membership Guide, Truth-in-Savings Disclosure(s), and Privacy Promise. Once you have had a chance to review the details, we are confident you will be pleased with the new features, added benefits, and increased convenience you will have when the conversion is complete.

We are here to help!
One thing that will never change is our commitment to serving all of our members. Firstmark Credit Union is a not-for-profit, full-service financial institution; central to our mission is meeting the financial needs of our members and providing excellence in personalized service.

In the meantime, up-to-date information can be found on our website at firstmarkcu.org/scu. If you have any questions, please do not hesitate to visit any of our 13 branch locations, or call the Member Contact Center at (210) 442-0100 / long-distance at (800) 683-1211.

Sincerely,

Leon Ewing
President/CEO

Significant Impacts -- November and December, 2013

Account Numbers

  • To increase security of your personal identification, all Southside members will receive a new six-digit member number. Look for this information in your mailbox during the week of November 25, 2013.
  • Effective Sunday, December 1, 2013, your Southside accounts will be converted to Firstmark accounts.

Debit Cards

  • You will receive a Firstmark Debit Card in the mail by Friday, November 29, 2013. For added security, your PIN (Personal Identification Number) will be sent in a separate mailing.
  • You may begin using your new Firstmark card after 9:00 a.m., Sunday, December 1, 2013.
    NOTE: Your Southside Debit Card will no longer work after 6:00 a.m., Monday, December 2, 2013. Please plan accordingly for your spending needs during this weekend.
  • You will continue to have ATM access at your current free locations. In addition, you will have access to the nation’s largest ATM network, ALLPOINT with 250+ Free ATMs in the San Antonio area and more than 55,000 worldwide.

Because we understand you may have questions during the weekend the account conversion takes place, we have made special arrangements for representatives to be available in the Member Contact Center at (210) 442-0100 / long-distance at (800) 683-1211 from 8:00 a.m. to 1:00 p.m. on Sunday, December 1, 2013.

Other Major Changes

Checks and Online Banking

  • We will continue to accept Southside checks through June 30, 2014. After December 2, 2013, you may order Firstmark checks online at firstmarkcu.org or by calling the Member Contact Center.
  • To set up Online Banking, please call the Member Contact Center.

Statements, Rates and Terms

  • You will receive one statement reflecting all share and loan transactions associated with that member number. Having a consolidated statement saves time and makes it easy for you to monitor your account activity.
  • Rates on Savings, Checking, and Money Market Accounts will change to the current rates offered by Firstmark. Rates are available at firstmarkcu.org, at any branch location or by calling the Member Contact Center.
  • Terms on your Southside Share Certificates of Deposit (rate and maturity) will not change. Any accrued interest from November through December 2013 will be paid Tuesday, December 31, 2013; and, thereafter, on the last day of the month.

PRODUCT CONVERSIONS

Southside Credit Union Firstmark Credit Union
CHECKING ACCOUNTS

Thrifty Checking, Standard Checking,
Money Maker Checking, Graduate Checking,
VIP Checking

FREE Cash Back Checking
  • Get 10¢ with every signature transaction using your debit card
  • FREE first box of checks
  • FREE Online Bill Pay & eStatements
  • FREE 24/7 Mobile & Online Banking
  • FREE ATMs – 250+ in the San Antonio Area, 55,000 Worldwide
  • Earns interest paid monthly
Money Maker Plus Checking
Money Market Checking
Money Market Checking
SAVINGS ACCOUNTS
Share Savings Regular Share Savings
Savings is Fun (Youth Savings) Kid$Club Savings (Ages 0 – 12)
Axess Savings (Ages 13 – 17)
IRA Savings IRA Savings
Christmas Club Holiday Club
BUSINESS ACCOUNTS
Business Shares Business Savings
Business Money Market Business Money Market Checking
Non Profit Association Checking Organizational Checking Account
Economy Business Checking Business Checking
Standard Business Checking Business Plus Checking Account
ADDED CONVENIENCE

13 Branch Locations
To find a location and hours near you, go to firstmarkcu.org or look in the Member Guide
FREE ATM Network
250+ in the San Antonio area
More than 55,000 worldwide
Online & Mobile Banking / Deposit by Smartphone or Home Scanner
Member Contact Center
Monday thru Friday, 7:00 a.m. to 7:00 p.m.
Saturday, 8:30 a.m. to 4:30 p.m.
(210) 442-0100 or long-distance/toll free at (800) 683-1211