NOTICE IS HEREBY GIVEN that the 66th Annual Meeting of Heritage Savings & Credit Union Inc. will be held at 5:30 p.m. on the 4th day of March, 2019 at the Credit Union office, 318 Merritt Avenue, in the City of Chatham, Ontario for the purpose of receiving the reports of the officers; financial statements for the year ending December 31, 2018, the election of Directors and the appointment of auditors for the current year.

A copy of the current general by-law of Heritage Savings & Credit Union Inc. may be examined by any member of Heritage Savings & Credit Union Inc. during regular business hours at our office located at 318 Merritt Avenue, Chatham, Ontario.

TAKE NOTICE that in accordance with Heritage Savings & Credit Union Inc. By-Law #1 Sub-section 2:03 you must hold a minimum of one $5. par value share to be a member and have a right to attend this meeting.

As an owner of the Credit Union, it is important that you attend; this is your meeting and opportunity to express your opinion and vote.

Copies of the Annual Report will be available at Heritage Savings & Credit Union Inc. office and at the Annual Meeting.

Dated at Chatham, Ontario this 19th day of February, 2019.

Heritage Savings & Credit Union Inc.

Dennis McDonnell
Secretary