Thank you for choosing to become a member of ABNB Federal Credit Union. We are pleased to have you as part of our family and look forward to serving all of your financial needs. Now that you are a member, we invite your family, friends, and neighbors to join ABNB. Our friendly and knowledgeable staff delivers competitive products and outstanding service to anyone who lives, works, worships or attends school in the Southeastern Virginia community.

ABNB Federal Credit Union is a non-profit, member owned, full-service financial institution whose main concern is helping our members reach their financial decisions. ‘Member-owned’ is taken quite seriously at ABNB, where our members are encouraged to attend our annual business meeting and actively use their one vote per member privilege.

At ABNB, we want you to grow and prosper. With our many locations and online services, you will find that ABNB is never far away. You can control your finances whenever and wherever you are. So whether you are at home in Virginia, away at sea, off on a business trip or move to another area of the country, we are only a phone call or click away.

For more information, call us today at 757-523-5300 or visit us online at

www.abnbfcu.org.

ABNB@HOME ONLINEOur online banking system allows you to control your finances 24 hours a day, 7 days a week. You receive unlimited immediate access to practically all of your ABNB accounts from any computer with secured Internet access. It’s fast, easy, convenient, and offers the following:

• Transfer money between eligible accounts• Make payments to your ABNB loans: line-of-credit, home

equity, credit card, auto, and more• View transaction history on your checking, savings,

certificates, home equity line-of-credit, loans and more• Initiate stop payments

BILL PAYUse ABNB’s BILL PAY service and never lick a stamp or sign a check to pay a bill again! That’s not all! Bill Pay is FREE when you have:

• A checking account• Direct Deposit• e-Services (which include e-lerts, notifications,

e-statements, etc.)

You Can:

• Send out one-time payments• Schedule a payment to be sent out a future date• View, edit or delete scheduled payments• View payment histories and pending payments

It’s as easy as ABC…

• Set up your payees. Allow a minimum of five business days prior to due date when adding them to payee list.

• Enter your payments in your online checkbook. The money will be taken out of your account and the payment sent on the date you entered in the checkbook.

• Most payments are sent electronically. Enjoy this convenience at only $4.95* per month for an unlimited number of payments. If you don’t have a personal computer, ABNB can set up or maintain your account for an additional fee.

E-STATEMENTSReceive your monthly statements electronically. It’s faster than “snail mail” and only takes a click of the mouse. For more information, talk to a service representative today.

Bill Pay is offered to members without a monthly fee when they meet the following criteria: maintain a checking account, direct deposit and e-Services (i.e. e-Statements, e-lerts and notifications).

Having a tough time making ends meet? Our financial counseling department can help you with everything from budget counseling to debt management. There is no cost for this service. There are four programs offered to meet your needs:

Budget Counseling is offered to those who simply want to find out where they stand financially. A personalized spending plan is developed, the credit report is reviewed, any necessary financial issues are resolved and recommendations are made.

Money Management is a short-term program (3 to 6 months) for those who:

• Have enough money to pay their financial obligations but do not seem to be establishing or meeting financialgoals.

• Can meet their financial obligations but seem to be getting further behind.

In addition to the financial counseling you receive, you will be able to work with the financial counselor one-on-one to strengthen your financial decision-making skills.

Check Again is a service to members who have been denied a checking account through the eFunds Chex System. A second chance at maintain a checking account is obtained through financial education. This program is also available for opening a first-time checking account. A nominal fee is charged for this service.

Debt Management is a long-term program (1 to 5 years) for members who are in serious financial debt, where the monthly obligation equal or exceed the monthly income. Through the Debt Management Program:

• Financial priorities and lifestyles are adjusted

• Payments to creditors are often reworked and lowered in a fair and equitable manner, enabling you to meet all ofyour financial obligations.

Debt Management is the preferred alternative to bankruptcy. Don’t wait until it is too late to seek help. Call (757) 523-5380 or contact the Financial Counseling Department at _financialcounseling@abnb.org for a confidential meeting.

For more information, call 757-523-5380 and talk to a representative today. You can also visit us at our e-Branch

at www.abnbfcu.org.

STAR Phone Banking

A 24-hour, 7-day a week phone system allowing members to obtain account balances, make transfers, monitor outstanding checks, verify deposits and much more. If you have already established your star account, you can access it by dialing (757) 523-5333 (local) or 1-877-448-STAR (out of town).

ATMs

Automated Teller Machines – No surcharge for members. The network includes: The Exchange, Armed Forces Financial Network, Cirrus, and Credit Union 24.

Additional Services

• Direct Deposit/Payroll Deduction• Safe Deposit Boxes• Night Depository • Drive-Thru Teller Windows• Money Orders• American Express Traveler’s Checks• Credit Life and Disability Insurance on Loans• Accidental Death and Dismemberment

Insurance• Notary Service (no fee)• Visa Check Card - The convenient card that looks like a

credit card but acts like a check. Present this card to any merchant displaying the Visa logo, and your purchase amount will be deducted from your checking account.

• GAP Protection - You could lose more than your vehicle if it is stolen or involved in a major accident - you could lose your investment. Why? Because most insurance policies only cover the value of your vehicle - something that rapidly declines during the first few years of ownership - which means your loan or lease balance could be higher than the value of your vehicle. GAP covers the difference between your primary carrier’s insurance settlement and the amount of your loan or lease - less delinquent payments, late charges, refundable service warranty contracts, and other insurance related charges.

LOANS

Applying is simple, and non-members may apply. Rates are very competitive, and there is no penalty for early payment. Here are some of the loans we offer:

VEHICLE LOANSNew and Used, Recreational Vehicles, and Boats up to 100% financing, fixed rates, applications processed quickly and efficiently. Motorcycle loans are also available.

PERSONAL LOANSNo collateral required, quick approval. The first request may be made by phone or mail.

1ST MORTGAGE LOANSVA, Conventional, or Non-Conforming. Up to 100% financing, fixed rates, applications processed quickly and efficiently.

HOME EQUITY LOANS/2ND MORTGAGE LOANSWe offer both closed-end and line-of-credit products, many with no closing costs. Fixed or variable rate options available.

SHARE SECURED LOANSPledge shares for any purpose and shares will continue to earn dividends. Pay down the balance and funds become available for use. Offers low rates and helps improve or build credit.

For your convenience, we recommend direct deposit, payroll deduction or automatic transfers to make loan payments quick and easy. Credit life and credit disability insurance is available on most loans at a very reasonable cost. We also offer student loans.

3 EASY WAYS TO APPLY FOR A LOAN• Call a Loan Center Representative at (757) 523-5353• Apply online at www.abnbfcu.org• Visit any of our conveniently located branches to speak to a

Financial Service Representative

CREDIT CARDS

ABNB credit cards are accepted anywhere in the world and have the following features:

MASTERCARD AND VISA PLATINUM• Low, fixed interest rates• No annual fee• Same low rate for cash advances• No fee for cash advances• Convenient payment options• Monthly detailed statement• Up to $1,000,000 travel insurance• 25-day grace period• Bonus points with Air Travel• Discretionary bonus points• Preferred customer service

3 EASY WAYS TO APPLY FOR A CREDIT CARD• Call our Credit Card Department at (757) 523-5353 • Apply online at www.abnbfcu.org • Visit any of our conveniently located branches to speak to a Financial

Service Representative

BRANCH HOURSAll of our branches operate under the following hours,

unless noted otherwise:

Lobby HoursMonday - Thursday: 9:00 AM - 5:00 PM

Friday: 9:00 AM - 6:00 PM • Saturday: 9:00 AM - 1:00 PM

DDrive-Thru Hours Monday - Thursday: 8:30 AM - 5:30 PM

Friday: 8:30 AM - 6:00 PM • Saturday: 9:00 AM - 1:00 PM

CHESAPEAKE LOCATIONS

Towne Place 701 Eden Way North, Chesapeake, VA 23320

Fax: (757) 312-8417

Cedar Road 1109 Cedar Road, Chesapeake, VA 23322

Fax: (757) 523-5745

Chesapeake Square 4109 Chesapeake Square Blvd. Chesapeake, VA 23321

Fax: (757) 488-1375

PORPORTSMOUTH LOCATIONS

Guardian309 County Street, Portsmouth, VA 23704

Fax: (757) 393-9629

SUFFOLK LOCATIONS

Lakeside907 West Washington Street, Suffolk, VA 23434

FFax: (757) 923-4416

NORTH CAROLINA LOCATIONS

Moyock Commons562 Caratoke Highway, Moyock, NC 27958

Fax: (252) 435-2450

*Drive thru service for ABNB Federal Credit Union and Credit Union Service Center account holders only.

BRANCH HOURS AND LOCATIONS

VIRGINIA BEACH LOCATIONSFairfield

5288 Providence Road, Virginia Beach, VA 23464Fax: (757) 424-0240

Kemps River 5399 Kemps River Drive, Virginia Beach, VA 23464

Fax: (757) 366-8836

South Independence 3550 Buckner Blvd., Virginia Beach, VA 23453

Fax: (757) 416-1201

Wishart 4524 Wishart Road, Virginia Beach, VA 23455

Fax: (757) 460-7838

Little Neck3237 Virginia Beach Blvd, Virginia Beach, VA 23452

Fax: (757) 963-7241

General Booth 1100 Dam Neck Road, Virginia Beach, VA 23454

Fax: (757) 301-7430

NORFOLK LOCATIONSChesson

1701 Church Street, Norfolk, VA 23504Fax: (757) 627-7214

(No drive-thru or Saturday hours.)

Sewell’s Point Road985 Denison Avenue, Norfolk, VA 23513

Fax: (757) 852-2852

BASE LOCATIONSLobby Hours

Monday - Friday: 9:00 AM - 5:00 PMDrive-Thru Hours

Monday - Friday: 8:00 AM - 5:00 PM

NAB - Naval A mphibious Base1173 Amphibious Drive, Building 3448

JEB Little Creek, Fort Story, Virginia Beach, VA 23459 Fax: (757) 464-2433

NSN - Naval Station, Norfolk9155 Seabee Road, Bldg. CD-25, Norfolk, VA 23511

Fax: (757) 489-1796(Base pass not required for access to this branch location.)

USCG Base Portsmouth4000 Coast Guard Boulevard, Portsmouth, VA 23703

Fax: (757) 483-2963(No drive-thru.)

USCG Base Elizabeth City 1664 Weeksville Rd. Building #998, Elizabeth City, NC 27909

Fax: (252) 338-5815

DRIVE THRU - EXPRESS SERVICELimit of 3 transactions. Please visit the lobby in order to perform the following:

• Purchase Money Orders • Rolled Coin Exchange • Purchase Cashier Checks• Purchase VISA Gift Cards • Withdraw or Deposit Large $$ Amount

Make Your Money Work Harder!

Saving money for vacations, retirement, education or that rainy day has never been easier. Receive highly competitive dividends without having to keep a high minimum balance. With the automatic transfer option, you decide the amount you want to save each week or month, and the funds are transferred at no charge from your ABNB checking account. It’s easy and convenient. Your funds are insured (up to $250,000) by the National Credit Union Administration (NCUA), an agency of the United States Government.

Savings Account• Basic account that establishes membership• $1.00 minimum deposit to open account• Can combine with direct deposit/payroll deduction• Accessible with an ABNB Debit Card

Money Market• $1,000 minimum balance• Earns higher dividends than regular savings account• No penalty for early withdrawal

Certificate• Higher interest rates than regular savings account• Available for 6, 12, 24, 36 or 60 months• $1,000 minimum deposit• Automatic rollover• Interest compounded monthly (optional)

ABNB offers a variety of checking accounts that fit your lifestyle. We offer:

eChecking If you prefer handling most of your transactions electronically, this is the account for you. This account saves you time in the branch AND gives you the added benefit of no monthly maintenance fee.*

Classic Checking Simple. Affordable. Classic Checking gives you real benefits that start with only a $15 initial deposit.

Kasasa Cash & Kasasa CashBack Checking Start earning rewards again with a Kasasa Cash Checking or Kasasa CashBack Checking account. Earn up to 2.00%** dividend on your checking account balance with Kasasa Cash, or earn 3%** back on debit purchases with Kasasa Cash Back! This account offers benefits for doing things you already do!

*Must maintain eServices and eStatements in order to obtain FREE benefits.

**Annual Percentage Yield (APY) Kasasa Cash® rate tiers are as follows: 2.00% APY applies tobalances of $.01 - $10,000 and 0.10% APY applies to balances over $10,000 as long asqualifications are met each statement cycle. Kasasa CashBack® 3% reward is limited topurchases of up to $300 per month. Rewards apply as long as qualifications are met eachstatement cycle.

ATMS: Access to your money, 24 hours a day, 7 days a week, has become increasingly important in these busy times. That’s why ABNB has Automated Teller Machines (ATMs) that our members may use at no cost:

NORFOLK• Sewell’s Point Branch, 985 Denison Ave.• 803 Front StreetNaval Station Norfolk (NSN):• NSN Branch, 9155 Seabee Rd.• BLDG D-29 – Morris St.• BLDG S-30 – Enlisted Barracks, Gilbert St.• BLDG Q-80• Exchange Mall (2) CD-7

BASE LOCATIONSNaval Amphibious Base, Little Creek (NAB)• NAB Branch, 1173 Amphibious Dr., BLDG 3448• NAB West Side Branch, 2525 Midway Rd., BLDG 1611• 251 D Street, BLDG 3093 (New Mini-Mart)• Navy Exchange, BLDG 3443• Old Exchange, BLDG 3126• United States Coast Guard Base, Portsmouth• 4000 Coast Guard Base• United States Coast Guard Base, Elizabeth City• 1664 Weeksville Rd.

VIRGINIA BEACH• Fairfield Branch, 5288 Providence Rd.• Kemps River Branch, 5399 Kemps River Rd.• General Booth Branch, 1100 Dam Neck Rd.• St. Gregory’s Church, 5345 Virginia Beach Blvd.• South Independence Branch, 3550 Buckner Blvd.• Wishart Branch, 4524 Wishart Rd.• Little Neck Branch, 3237 Virginia Beach Blvd.

CHESAPEAKE• Cedar Road Branch, 1109 Cedar Road• Towne Place Branch, 701 Eden Way North• Operations Center, 830 Greenbrier Circle• Chesapeake Square, 4109 Chesapeake Square Blvd.

PORTSMOUTH• Guardian Branch, 309 County Street

MOYOCK, NC

• Moyock Branch, 562 Caratoke Road

In addition, our members may use their cards at any ATM machine displaying one or more of these logos:

Credit Union Service Centers:Hours (Lobby and Drive-Thru)

Mon. – Fri. 9:00 a.m. – 7:00 p.m.Sat. 9:00 a.m. – 5:00 p.m.

• 1600 George Washington Memorial Highway, Yorktown, VA; (757) 599-4541

• 5957 E. Virginia Beach Blvd. #14, Norfolk, VA; (757) 274-0180; (Hours: 9:00 a.m. - 6:00 p.m.)

• Fairfield Commons Shopping Center: 5001 Nine Mile Road, Richmond, VA; (804) 236-1970

*NOTE: There is a small fee of $1.25 for using machines other than those operated by ABNB. This fee covers the cost of the transaction.

SUFFOLK• Lakeside Branch, 907 West Washington Street