123 South Marengo Avenue Pasadena, CA 91101 Mailing ...

1 ADDENDUM TO ABOUT YOUR CREDIT UNION ACCOUNT AGREEMENT . EFFECTIVE JULY 1, 2020. Please read this Addendum completely and retain it with your personal records. This notice is to inform you that Wescom Central Credit Union (Wescom) is making changes to the About Your Credit Union Accounts Agreement (Agreement), which governs your accounts with us. The changes below are only a clari cation, and do not change the substance of your current Agreement. All other terms and conditions of the Agreement remain in force. We encourage you to review the complete Agreement for additional information. You may view or print the Agreement at or visit a local branch to request a copy. Your Ability to Withdraw Funds Effective July 1, 2020.

2 The speci c dollar amounts for making funds available to you are changing as follows: The amount that is generally made immediately available to you for certain check deposits is increasing from $200 to $225. The amount available for withdrawal on exception holds for large deposits, new accounts, and the amount for determining a repeat overdraft is increasing from $5,000 to $5,525. The result of these changes is that more money will be available to you sooner. Temporary Suspension of Transfer/Withdrawal Limitations for Speci c Accounts . Effective Immediately Until further notice, Wescom CU has temporarily suspended the limitations on the number of transfers/withdrawals that may be made each month from the following Accounts: Regular Savings Account , Special Purpose Savings Account , Youth Savings Account , Non-Pro t Savings Account , Tier Plus Money Market Savings Account , Asset Maximizer Account.

3 Additional Disclosures Applicable to Internet Banking Effective July 1, 2020. As of July 1, 2020 SendMoney will no longer be available within the Wescom Mobile App. Members now have the option to use Zelle to send and receive money with people they know and trust. The following information has been added to the About Your Credit Union Account Agreement. Zelle The Credit Union provides you the ability to initiate payments from your checking account using Zelle via the Mobile Application. The Zelle service requires the user to accept the terms and conditions of a separate agreement via the mobile application, upon access and use of the service. Please visit or call us at 1-888-4 WESCOM (888-493-7266).

4 For additional information or eligibility requirements. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. 123 South Marengo Avenue Pasadena, CA 91101 . Mailing Address: Box 7058. Pasadena, CA 91109-7058. (888) 493-7266. 1. Table of Contents Membership and Account Agreement 3. USA PATRIOT Act and Customer Identification 4. Account Terms and Conditions .. 4. Legal and Compliance Protection.. 4. Termination/Right of Refusal/Restrictions on Account .. 5. 6. Your Duty to Examine Statements and Report Problems .. 9. Requests and Special Instructions by 10. Dormant and Abandoned Accounts and Unclaimed Property.

5 11. Credit and Privacy 12. Types of Account 12. Truth in Savings Disclosure.. 15. Payment of Dividends.. 15. Bylaw Requirement to Maintain a Regular Savings Account Share Account .. 16. Terms and Conditions Applicable to Specific 16. Additional Disclosures About Our Regular Savings 16. Regular Savings 16. Special Purpose Savings 17. Youth Savings 18. Non-Profit Savings 18. Additional Disclosures About Our Money Market Savings Accounts.. 19. Tier Plus Money Market Savings Account.. 19. Asset Maximizer 19. Tier Plus Money Market IRA Savings .. 20. IRA Asset Maximizer 20. Additional Disclosures About Certificate 21. College Saver Certificate .. 22. IRA Certificate 23. Transitional IRA Certificate 23.

6 Additional Disclosures About Checking Accounts.. 24. Wescom Checking Account .. 24. Youth Wescom Checking 24. General Checking Account Terms and Conditions.. 24. How the Credit Union Calculates Courtesy Pay, Debit Card Overdraft Protection, NSF Fees and What You Should Do to Avoid 29. Insufficient Funds - Overdrafts and Returned Items.. 30. How to Avoid Overdraft Fees.. 31. Your Ability to Withdraw Funds.. 32. Electronic Funds Transfer Disclosure and Agreement .. 33. General Disclosures Applicable to All Electronic 33. Additional Disclosures Applicable to Preauthorized Electronic 37. Additional Disclosures Applicable to ATM and POS Services .. 38. Additional Disclosures Applicable to Audio Response Teller#Phone.

7 39. Additional Disclosures Applicable to Visa Debit Card Services .. 40. Additional Disclosures Applicable to Internet Banking eBranch and Mobile Application.. 41. Additional Disclosures Applicable to Internet 43. Funds Transfer Agreement and 46. Arbitration and Waiver of Class Action and Jury 48. 2. MEMBERSHIP AND. ACCOUNT AGREEMENT. DISCLOSURE. Introduction Welcome to Wescom Central Credit Union, herein referred to as Wescom Credit Union Credit Union . By signing the Membership Application and depositing the required minimum funds in a Credit Union account, you agree to the terms in this Membership and Account Agreement Disclosure Agreement . This disclosure supersedes all other previous account agreements and disclosures for these accounts.

8 The terms, conditions and information contained in the Membership and Account Agreement Disclosure and all amendments thereto, are by this reference hereby incorporated in their entirety into this Agreement and become an integral part of the General Terms and Conditions for the Credit Union accounts. All agreements and disclosures shall be construed in accordance with the provisions of the California Uniform Commercial Code (UCC). Savings Accounts, Checking Accounts and Certificate Accounts are subject to the requirements below as contained in the account agreements. The terms, conditions and rights identified in this Agreement, are applicable to Consumer Accounts, which are defined as those accounts used primarily for personal, family, or household purposes.

9 Use of your account(s). for business purposes in a manner that is inconsistent with this definition may affect your rights and liabilities. In this Agreement, the term you and your(s) refer to the member, and the terms we, us and our(s) . refer to the Credit Union. Please also note that this Agreement contains a BINDING INDIVIDUAL ARBITRATION PROVISION AND JURY. AND CLASS ACTION WAIVER which affects your rights with respect to any claims or disputes by or against the Credit Union as described on page 48. Membership Eligibility To join the Credit Union, you must meet the membership eligibility requirements, including the purchases and maintenance of at least one hundred (100) shares (membership share), or $1 as set forth in the Credit Union Bylaws.

10 The par value of a share in Wescom Credit Union is $.01 per share. The maximum amount of shares, which may be held by any one Member shall be established from time to time by resolution of the Board of Directors. Account Verification and Use of Credit Reports All Membership Applications are subject to verification of information provided and eligibility prior to granting membership. We may verify your application for an account through an account verification service and reserve the right to deny any application based on the results of negative information received through that service. If we deny your application we will provide you with the name, address and telephone number of the account verification service which provided us with this information.