Important Information About Procedures for Opening a New Account.

To help the government fight the funding of terrorism and money laundering activities, the USA Patriot Act, a Federal Law, requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means to you:
When you open an account, we will 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.

For the purpose of the regulation, an "account" includes every formal Credit Union relationship that entails ongoing services, dealings or transactions. Some examples are a deposit account, loan, trust relationship, or safe deposit box rental.

If you request to open an account or become a signatory on an account with Heritage Trust Federal Credit Union and Heritage Trust has not previously verified your identity under then new regulatory requirements, Heritage Trust will request documentary verification of your identity, such as driver's license or passport and/or it will verify your identity through other nondocumentary methods. Similar identification requirements apply to business entities such as corporations and partnerships.

In all cases protection of our members identity and confidentiality is the Heritage Trust pledge to you.

As of June 2006