Ralph Bautista

1 Administrative Offices 123 South Marengo Avenue, Pasadena, CA 91101 Operations Center 5601 East La Palma Avenue, Anaheim, CA 92807 Mailing Address Box 7058, Pasadena, CA 91109 Phone (626) 535-1000 Toll Free (888) 493-7266 websit e w esc email mail@w esc November 19, 2021 Dear Member, Thank you for choosing Wescom for your banking needs. As a member-owner of the Credit Union, it s our responsibility to update you when there are changes to your membership. Beginning January 1, 2022, Wescom will be making changes to your About Your Account Agreement (Agreement) which governs your accounts with us.

2 Below are a few of the important changes being made to your Agreement. With the elimination of the Minimum Balance and Checking Account Fee , we updatedthe Additional Disclosures About our Regular Savings Account and About our CheckingAccounts. Wescom will no longer assess a transfer fee when transferring from another share tocover an overdraft, a s a result, we updated the Overdrafts section to remove such fee. Throughout the document, we updated the description of eBranch, to Online Bankingand Mobile Application. We inserted a section titled, Paper Statement Fee, and ways to avoid it. We updated the section titled, Your Online Banking and Mobile Application Password, which highlights important password requirements.

3 We updated the Arbitration and Waiver of Class Action and Jury Trial you will find the updated 2022 Schedule of Fees and Charges and Agreement. We encourage you to review the complete Agreement for full Terms and Conditions and to retain for your records. Additionally, you may view or print a copy through Online Banking or visit a local branch to request a copy. If you have any questions about these changes, please contact our Member Contact Center at 1- 888-4 WESCOM (1-888-493-7266).We thank you for placing your trust in us as your financial provider and look forward to serving your banking needs for years to come.

4 Sincerely, Ralph Bautista Ralph Bautista VP, Deposit Operations A paper statement fee is waived when enrolled in eStatements, or for Platinum Signature Members, Youth Accounts, Primary Account Holders age 60 and older, Fiduciary Accounts, and for the first 90 days for new accounts. A $ fee will be assessed to your Regular Savings Account for printing and mailing a paper statement (monthly and quarterly). A $ Excessive W ithdrawal Fee may be charged to your Savings Account for each withdrawal or transfer in excess of four (4) within a calendar quarter. The fee will be waived if the balance remaining in the account after the withdrawal exceeds $250, or the aggregate total balance in all shares exceed $3,000 at the time of withdrawal.

5 Insured by NCUA 969 (1021R)-1021 Telephone Number:Toll Free 1-888-4 WESCOM (1-888-493-7266)Web Site: Email: of Fees and ChargesEffective January 1, 2022 Insured by NCUA Money Market Accounts Charge per Withdrawal in Excess of Four, per calendar quarter $ Stop Payment, per check or range stop $ Temporary Checks (per sheet) $ Stop Payment, per check or range stop $ Temporary Checks (per sheet) $ Checking Accounts Monthly Service Charges.

6 BillPayer Check Copy Request, per check $ Card Replacement (Debit Card and ATM Card) $ Cashier s Check, per check $ Coin Counting Machine Fee 5% of the amount of coins redeemed4 Copy of Deposited Item $ Courtesy Pay, per item (max. 4 per day) $ Declaration of Loss & Claim for Reimbursement Cashier s Check (lost, stolen or destroyed ONLY)

7 , per check or range stop $ Deposit Error at CO-OP ATM $ Deposit Empty Envelope at ATM $ Direct Transfer, per payment $ Duplicate SnapDeposit $ Inactive Account Notice ( escheat ), per notice $ IMAGINE THAT! Picture Card, per card $ IRA Transfer to Another Financial Institution $ Loose Coin Free for the first $ Medallion Signature Guarantee $ Non-sufficient or Uncollected Funds, per item (max.)

8 4 per day) $ Non-Wescom or Non-CO-OP ATM Withdrawal, per withdrawal $ Non-Wescom or Non-CO-OP Transfer, Balance Inquiry $ Notary, per signature $ On-Us Check Cashing $ Statements $ Photocopy of Paid Cashiers Check, in excess of two per calendar month, per photocopy $ Processing a Foreign Collection Item, per item $ Processing an Incoming/Outgoing Collection Item, per item $ Processing Legal Documents ( , tax levies, judgments, subpoenas), per item $ Returned Item (Checks with the same ownership)

9 $ Returned Item at CO-OP ATM, per item $ Returned Item (deposited, or cashed) per item $ Returned Item (invalid BillPayer account, refused by payee, account closed), per item $ Returned Item (loan payment) per item $ Returned Item (mail or email) $ Rolled Coin Fees.

10 Personal Accounts No Charge DBA Accounts $ per roll Skip-a-Payment Fee $ Statement Copy, per copy $ Stop Payment on ACH Debit, per debit $ Stop Payment on BillPayer, per draft/check or range stop $ Stop Payment on Loan Draft, per draft/check or range stop $ Verification of Deposit $ Visa Gift Cards (at branches), per card $ Wire Transfer Domestic (outgoing)