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    <h2 class="wt-h2 text-center">Frequently Asked Questions (FAQs)</h2>
        <p class="wt-subhead text-center pb-3">Please review frequently asked questions below. Our media fact sheet can be accessed <a href="PDF/2023/PSCU and Co-op Solutions Combination - Media Fact Sheet and FAQs .pdf" style="color: #00549F;" target="_blank">here.</a></p>
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          Why are the two companies combining?  How will this combination benefit clients and/or the industry?
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        <div class="accordion-body"><p>This is a transformative opportunity for both PSCU and Co-op Solutions. We are combining talented employees, complementary solutions, key partnerships and client relationships to create a $1.3 billion revenue organization that is the premier fintech solutions provider for credit unions, making our combined organization an even more competitive player in the payments ecosystem and providing our credit unions with integrated fintech solutions that deliver personalized, connected experiences. 
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                <li>An open environment with integrated solutions to create an enhanced, end-to-end product portfolio with offerings from each organization – including access to instant payments, data analytics, digital banking, fraud and risk management, contact center solutions and services, collections, a credit union debit network, an ATM network and shared branching</li>
                <li>Increased scale, meaningful value and additional growth opportunities for credit unions through enhanced product development resources, optimized third-party spend and reduced overhead to allow for expanded levels of re-investment back into the combined company, supporting a continued growth trajectory and meeting the future fintech needs of credit unions and their members</li>
                <li>A combined talent base that optimizes service, creating the most knowledgeable and experienced team serving the credit union industry</li>
                <li>Innovative tools to expand self-service capabilities and increase efficiency </li>
                <li>Solution bundling opportunities to better deliver efficient capabilities to credit unions of all sizes</li>
                <li>Continued support and advocacy via a collective voice (including the ongoing fight against interchange legislation), while leveraging the two organizations’ mutual commitments to further champion diversity, equity and inclusion (DEI) in the credit union industry</li>
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        <p>While PSCU and Co-op have explored similar transactions in the past, we believe that now is the right time for this combination. In short, we believe that PSCU and Co-op are stronger together than we are separately.  </p>
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          When will the combination be final?
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        <div class="accordion-body"><p>The transaction is expected to be completed by the end of December 2023, following the successful vote of both organizations’ Owner/shareholder bases and customary closing conditions.</p></div>
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          Will the two companies operate separately or become one entity?
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        <div class="accordion-body"><p>The two companies will combine and operate as one entity upon the close of the transaction. Until that time, both companies will continue to operate on a business-as-usual basis.</p></div>
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          Will regulatory approval be required for this combination? If so, when will that occur, and what is involved with the process?
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        <div class="accordion-body"><p>The Hart-Scott-Rodino Act, enacted in 1976, requires that parties to mergers that meet certain size tests notify the Federal Trade Commission (FTC) and the Department of Justice (DOJ) before completing the transaction. The proposed PSCU-Co-op combination meets the threshold requirements for that mandatory notification.</p></div>
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          Who will lead the combined organization?
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        <div class="accordion-body"><p>Chuck Fagan, currently PSCU’s President and CEO, has been named as CEO of the new combined organization.</p></div>
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        What will the leadership team look like?
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        <div class="accordion-body"><p>Chuck Fagan will announce the new combined organization leadership team when the combination is complete (expected by the end of December 2023).</p></div>
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          What will the combined Board look like? 
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        <div class="accordion-body"><p>The combined Board of Directors will include credit union CEO representation from both current Boards, including nine directors from PSCU and four directors from Co-op.</p></div>
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          Will the combined company still be a credit union service organization?
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        <div class="accordion-body"><p>Yes, the combined company will still be a credit union service organization (CUSO).</p></div>
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          Where will PSCU and Co-op retain offices?
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        <div class="accordion-body"><p>The combined company’s headquarters will be PSCU's current headquarters in St. Petersburg, Florida. Facility utilization for both organizations will be reviewed as part of the integration process.</p></div>
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          Will you have one annual client conference or two?
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        <div class="accordion-body"><p>Future plans for client conferences will be announced as we begin the integration process. Currently, PSCU has announced its plans for Member Forum to be hosted in San Antonio from April 10-12, 2024 and Co-op has announced its plans for its Think conference to be held in Nashville from May 7-10, 2024.</p></div>
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