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1 Everything You Need to Know About th
Everything You Need to Know About the WECU System Upgrade Last updated September 18, 2018 at 10am. Need help? C all at 800-525-8703 , chat online at wecu.com, or visit any branch. Take a look at our helpful checklist WHAT YOU NEED TO DO Learn more about the system upgrade online: wecu.com/SystemUpgrade Contact us if you have further questions: Call 800-525-8703 or chat online at wecu.com. We’ve been working hard behind the scenes to make banking with WECU as easy as possible. As a result, our Operating System, Online and Mobile Banking, and Telephone Banking are all getting a facelift. And we’ve even made it easier to be a member. 1. V erify Your Contact Inf o Verify your address, phone number and email by logging in to Online Banking or reviewing your statements. You are also welcome to use secure Chat at wecu.com, call us at 800-525-8703 or come in to any branch. 2. Check Your Inbox We will keep you up-to-date on all the changes August 30 to October 2. You’ll receive either email or standard mail. Emails will come from wecu@email.wecu.com. Check your Spam folder if you haven’t seen a message. 3. Learn More Check out the rest of this booklet for details about Your Account, Statements, Online & Mobile Banking, and WECU Membership. What You Need to Do What to Expect Upgrade Checklist 4 WEEKS TO GO | Friday, August 31 Verify your contact info. Verify your address, phone number and email by logging in to Online Banking, reviewing your statements, or contacting us. Check your Inbox. We’ll keep you up-to-date on all the changes August 30 - October 2, via email or letter. Emails will come from wecu@email.wecu.com. Check your Spam folder if you haven’t seen a message. Learn more. Visit wecu.com/SystemUpgrade for details about all the changes. 3 WEEKS TO GO | Friday, September 7 Add Account Nicknames. We recommend that you give your accounts Nicknames now (e.g. Main Checking, Rental Checking, Vacation Savings, etc.) to dierentiate between them after the upgrade. You can add them in Online Banking or by contacting us. 2 WEEKS TO GO | Friday, September 14 Receive your Username. If you currently have multiple Usernames, we’ll send you an email with the one you’ll use on the new system. All of your accounts will be under this Username. 1 WEEK TO GO | Friday, September 21 Send your nal external transfers. No transfers will be processed September 27-28. The accounts and recurring transfers that you’ve set up to your other nancial institutions will automatically move over. Transfers to people outside of WECU will not, but they are easy to set up on the new system. Grab cash. Online, Mobile & Telephone Banking will be unavailable during the upgrade, so having a couple payment options or extra cash is a good idea. L AST DAY | Friday, September 28 Check your balances. Make sure to check your balance before the upgrade and track your spending carefully to avoid overdraft charges. N ote: Some services may be unavailable on Friday, September 28. Contact us if you need help. N EW SYSTEMS | Tuesday, October 2 Check out Online and Mobile Banking. The rst t

2 ime you log in on the new system, we

ime you log in on the new system, we’ll verify your identity and ask you to reset your Password. Then enjoy our new and improved features, such as Touch ID, Mobile Deposit, transfers and payments, Fast Balances, Text Banking, plus the option to turn your credit cards on or o. System Upgrade starts Friday, September 28 at 7pm We’re closed Monday, October 1 We need a little time to make things right. Online, Mobile, and Telephone Banking will also be unavailable during the upgrade. The good news is, we’ll have extended hours after the dust settles — we’re even open Columbus Day, Monday, October 8. See the Help Center tab for more details. Your Accounts What’s new? It’s simple – you’re a member, not a number. From now on, all of your accounts and information will be under your name, so you won’t need to remember an account number when you call or come in. What do you need to do? Nothing, we’ll move everything over for you. We recommend that you give your accounts Nicknames now, to dierentiate between your new account numbers after the upgrade. FAQ Will my account number change? Yes. New account numbers are between 9 and 11 digits. This will not aect your checks, cards or automatic withdrawals/deposits. We recommend that you give your accounts Nicknames now, to dierentiate between them after the upgrade. How can I use Nicknames? On the new system, Nicknames will help you dierentiate between accounts of the same type. For example, you might use Nicknames like “Main Checking,” “Rental Checking,” “Vacation Savings,” “Kids Savings,” etc. You can add Nicknames to your accounts right now in Online Banking! Just go to your Accounts Summary, hover over the magnifying glass next to your account, and choose Modify Nickname. You can also make the request via Chat, phone or at a branch. Where can I nd my new account number? After the upgrade, your new account number will be on your monthly statements (beginning with your October 2018 statement). You can also nd it inside Online or Mobile Banking by selecting Accounts � Snapshot or in Mobile Banking by selecting an account in your Account Summary and expanding the Account Details section. Will my transaction history look dierent? Yes. Things will look a bit dierent, but the important information (i.e. Deposit, Withdrawal, ATM Withdrawal) will still be included. YOUR ACCOUNTS Will the WECU routing number change? No. The WECU routing number will stay the same. Will I still need my account number when I call or visit a branch? No. When calling in or visiting a branch, we’ll look you up by your name or SSN. As always, we’ll verify your identity to ensure complete account security. Will my checks still work? Yes! The next time you order checks, we’ll update them to your new account number. In the meantime, your checks will work as usual. Will my Debit or Credit Card numbers change? No, your cards will work as usual. Will my automatic transfers, deposits and withdrawals still work? Yes! Automatic transfers, deposits and withdrawals will post to your accoun

3 t as usual. We recommend giving your ne
t as usual. We recommend giving your new account number to anyone that you send/receive money from in case they update their information in the future. Please note: transfers, payments, and other transactions that are processed automatically will happen at a new time of day, but will still occur on the day they are scheduled. wecu.com/ SystemUpgrade All of your cards and checks will be transferred to your new account number. How do I enroll in eStatements? eStatements are a great way to save time and eliminate clutter! You can enroll in eStatements on the new system by simply logging in to Online Banking, selecting Accounts� eStatements and accepting the Terms and Conditions. Only members who are enrolled in eStatements will have access to view, print or download them in Online Banking. How will my account/loan notices be aected? WECU may send you account or loan-related notices as needed. If you are enrolled in eStatements, you’ll receive your notices electronically on our new system. If not, you’ll receive them through regular mail. If you are enrolled in eStatements, you can access them in Online Banking by selecting Account�s Document�s Notices after the upgrade. If you aren’t enrolled, you can do so by simply logging in to Online Banking, selecting Accounts� eStatements and accepting the Terms and Conditions. WABCD 5EacDhIddmiMimINdobDcoReDrD:E1:Ba 50H,/Hb5/fEPciPv d151PcedN)oh)MdhI,hDcRe 0CeDhDoe50H,/Hb5/fEPciPv d151Pce wecu.cov()wecuw.omP eO Box9750welw.inno What will the new statements look like? All statements will have a new look! WECU will continue to send you a month-end statement for all deposit account information (savings, checking, certicates and IRAs). You will receive separate loan statements for any loan you have with WECU. STATEMENTS FAQ How will my September 2018 statement be aected? September statements will be processed as usual after the last business day of September. To help with the transition, WECU will send everyone a printed version of their September statement . Will my delivery time change? Yes! You’ll go back to receiving your statements shortly after the statement period ends. Thank you for your patience during this transition time. How many statements will I receive? You’ll receive a month-end statement for all deposit accounts with the same signers. You’ll also receive a loan statement for any loan you have with WECU. Will my transaction history look dierent? Yes. Things will look a bit dierent, but the important information (i.e. Deposit, Withdrawal, ATM Withdrawal) will still be included. What’s new? Statements will have a new look. Make sure to enroll in eStatements to see them in Online or Mobile Banking. What do you need to do? Check your mailbox. You’ll receive your September statement in October. After that, you’ll start getting statements with the new design. Month-End Statements 1. How to Contact WECU 2. Summary of Accounts: Account Type, Number & Balance 3. Account Summary: Beginning & Ending Balance, Debit & Credit Totals 4. Dividend Summary (if applicable): Annual Percentage Yield, Dividend D

4 ays, Earned, Paid & Year-to-Date. 5. A
ays, Earned, Paid & Year-to-Date. 5. Account Activity: All Transaction Details 6. Dividend Rate Changes (if applicable): Dividend Rate as of each date of change Statements 2 3 6 5 1 4 Paid LasE 0oIEhPaid YDar Eo 3aEDChargesPayZenYs wecu.comPO Box 9750 Bellingham, WA 98227 3 2 4 5 6 Loan Statements 1. How to Contact WECU 2. Payment Info: Breakdown of the Total Amount Due 3. Account Summary: Balance, Interest Rate and more 4. Past Payments: Last Month & Year-to-Date 5. Transaction Activity: During Statement Period 6. Payment Coupon Real Estate Other Loans PhoID 5PmbDr800C5A5C8703WDbsiEDSDcP.comPaNmDIE 2REioIsSDcP.com/makDRaNmDIE wecu.comPO Box 9750 Bellingham, WA 98227 3 2 6 1 Password Retrieval Click Forgot Password. Enter your Username and Social Security Number (SSN) and click Submit. Verify your identity via a phone call, text, or by answering security questions. Enter a new Password and re-enter to conrm. If you know your Password, you can change it by clicking on the prole icon in Online Banking and selecting Prole Update�s Change Password. New User Registration You can register from your computer or mobile device. Follow these simple steps: Click Register. Review and agree to the Terms and Conditions. Enter your name, social security number, and email address. Complete the security verication step by receiving a phone call, text, or answering the security questions. Enter a Username, Password and re-enter your Password for conrmation. ONLINE BANKING & MOBILE BANKING What’s new? Now you only need one login to see all of your accounts. What do you need to do? When you log in after the upgrade, we’ll verify your identity and ask you to reset your Password. If you currently have multiple Usernames, we’ll send you an email with the one you’ll use on the new system. FAQ How are Online & Mobile Banking changing? We’re excited to debut a brand new Online and Mobile Banking experience! You can see all of your accounts with one login, we’ve updated our technology and added new features. If you already use Online or Mobile Banking, check out “Will I need to re-register?” Why is WECU upgrading? Technology is changing fast and we all rely on our digital services now more than ever. Our new Online and Mobile Banking is simple and convenient because we want to make your life a little easier. Registration Will I need to re-register? When you log in after the upgrade, we’ll verify your identity and ask you to reset your Password. You can do this from your computer or mobile device. If you currently have multiple Usernames, we’ll send you an email with the one you’ll use on the new system. C an I register from my phone? Yes! You can now register for Online or Mobile Banking directly from your mobile device. Existing User Registration Enter your Username and your Password , click Submit. Re-enter your Username to conrm. Verify your identity via a phone call, text, or by answering security questions. Select a new Password and re-enter to conrm. Select security questions and answers. What if I forgot my Usern

5 ame? If you’ve forgotten your Usern
ame? If you’ve forgotten your Username, you can reset it by calling us at 800-525-8703 and selecting option 3. Online & Mobile Banking What’s new and improved? We’ve added and improved features to make Online & Mobile Banking even better: Touch ID: Fingerprint access for Mobile Banking. Mobile Deposit: Better technology and quicker access to your money. Manage Cards: Turn your credit cards on and o. Transfers: Move money between your accounts at WECU, your accounts at other nancial institutions, to other WECU members, friends or family. Fast Balances: Check your account balance on the app without even logging in. Text Banking: Request account information with a quick text. Help options: Live Chat, Secure Messages and Help tips. Is the New System Secure? Absolutely! Our new system veries your identity via call, text or security questions. There are also additional layers of security to combat fast-moving threats and detect fraud. Make sure to update your phone number before the upgrade and add your cell phone if you’d like to verify your identity via text. Will I still have access to Money Desktop? Yes! Money Desktop (now MX) is a free, personal nance tool inside of Online & Mobile Banking. You can link all your accounts, loans and credit cards at other institutions for a complete view of your nances. Take control of your nancial health with robust, integrated tools for budgeting, spending categorization, savings goals and net worth. How to get started? 1. Click on the MX option in Online or Mobile Banking 2. Choose “Add an Account” to link your accounts at non- WECU institutions (like your Costco Card or other bank accounts) 3. Provide your login credentials It may take a few minutes for your transaction details to download and be available, but your WECU accounts will all be added automatically. After this, you’ll be able to monitor your full nancial picture. Existing users: All of your information will be transferred over to the new system. Note: if you had multiple MX accounts, we chose your most active. MX (Money Desktop) ONLINE BANKING & MOBILE BANKING General Information Who will have access? Each person on an account will have their own login and will be able to access any account they are on. Can I give someone access? Yes. You can setup additional users and give them access to any or all of your accounts by clicking on the prole icon in Online Banking and selecting Users. Will my transaction history look dierent? Yes. Things will look a bit dierent, but the important information (i.e. Deposit, Withdrawals) will still be included. Where can I nd my transaction history? You can see account history in Online or Mobile Banking by selecting Accounts� Transactions, choosing an account and a date range. You can also see your most recent transactions by selecting Account�s Snapshot and clicking on an account. How much history is available? Initially, you’ll be able to see up to 120 days of account history in the new Online and Mobile Banking systems. Over time, this will accumulate to up to one year. If I need additional

6 history, how do I request more? You can
history, how do I request more? You can request additional history in Online or Mobile Banking by completing the form in More� Statement Request. We will send you copies of any statement you need. Note: there is a $1 fee for each statement copy. Where do I nd my receipts? You can view receipts and other documents in Online or Mobile Banking by selecting Accounts� Documents. Can I view check copies online? Yes. You will have the option to view a copy of a cleared check in Online or Mobile Banking by selecting Accounts � Transactions, choosing an account and clicking on the check icon in your account history. Mobile Check Deposits We’re excited to oer an even better Mobile Deposit option. Mobile Deposit lets you deposit your checks anytime, anywhere with your Android or Apple device. All you need is internet service and the WECU Mobile App. We’ve improved check recognition with top-of-the-line technology, your money may be available immediately* and of course, you’ll save time and money not taking a trip to a branch. How does it work? It’s easy. After the upgrade, choose “Deposit a Check” from your app Quick Links. Choose the account you want to deposit to, the amount of the check and snap a photo of the front and back of the check. Make sure to write “WECU mobile deposit” on the back. *All checks are subject to review and temporary holds may be placed based on check details and account status. Online & Mobile Banking continued... What if I see a transaction that I do not recognize? While using a desktop computer, you’ll see a question mark next to each transaction. You can click on it to send us a Transaction Inquiry. The details of the transaction will be included in the message automatically. On a mobile device, you can simply send us a message with your questions. Can I send WECU a message? Yes. If you have a question for us, click on the Envelope icon at the top of the page to send us a secure message. We can also send messages to you or send documents back and forth, if needed. Can I still send money to people outside of WECU? Yes! You can send funds to another person with just their email address or phone number. It’s as easy as that! How does it work? Choose Payment�s Pay People in Online or Mobile Banking. The rst time you use this service, you’ll be asked to accept the Terms and Conditions. Simply put in the details of who you want to pay, how much, how quickly and send. You can even set up recurring transactions. Existing P2P users: Your existing P2P info will not transfer over, but it’s easy to set them up on the new system. Your payments will clear your account a little dierently (not immediately) and fees for non-sucient funds, stop payments, etc. apply, if applicable. You will also need to have a checking account to use this service. Is Bill Pay changing? Will I need to re- register? Bill Pay will not be changing, but if you had multiple Bill Pay proles on our old system, you will now be able to access all of your payees in one place. You will also be able to use any of your checking accounts for paying bills.

7 You will not need to re-register becaus
You will not need to re-register because your registration will transfer to the new system. How to set up authorized users for Bill Pay: The authorized users that you may have set up on our old system will not automatically come over, but you can add authorized users and dene their access in our new system by choosing Mor�e Users. Transfers How do I make a transfer? There are many options for transferring funds in Online or Mobile Banking. Click on Make a Transfer and you’ll have the options to transfer to: Your WECU accounts Accounts you have at other institutions Other members, friends or family How do I manage my accounts? You can easily add and delete accounts that you transfer to by selecting Transfer�s Manage Accounts. Can I set up recurring transfers? Yes! You can set up and manage your own recurring transfers in Online or Mobile Banking. Choose from following options: Daily Weekly Bi-weekly Monthly Bi-monthly Quarterly Semi-annually Annually Note: transfers, payments, and other transactions that are processed automatically may happen at a new time of day, but will still occur on the day they are scheduled. WECU Membership Other Changes ATM Deposits After the upgrade, the rst $200 of your deposits (per day, per card) will be available immediately;* and the remaining funds will be available 2 business days later. Debit Card Limits After the upgrade, daily debit card transaction limits will change to $510 at the ATM and $10,000 at any merchant (both entering your PIN and signing to authorize). Fraud Notications With our new system we have the ability to add each cardholder’s contact information for fraud notications. This will allow us to contact you directly if we see any suspicious transactions. If we need to verify activity on your card, you will be contacted via text, email or phone. Please make sure your contact information is up-to-date. Mortgage Payments Our new system allows mortgage payments to be processed in real-time, which means there will no longer be an account (S47) linked to your mortgage for routing payments. Overdraft Transfer Fee After the upgrade, the $2 fee for transferring money between accounts to cover overdrafts will now charge to the account that funds were transferred from. Travel Notes Now you only need to notify us if you are traveling outside of the US. You can do this in Online or Mobile Banking by selecting Mor�e Travel Notication. Existing Members You no longer need $5 on deposit or a savings account. Any account or loan makes you a member, as long as you meet eligibility requirements. Joint Members All account holders or borrowers are now members, so welcome (ocially) to WECU! Please make sure to update your contact info so we can share the latest happenings with you. WECU MEMBERSHIP *You need to be a member for at least 6 months to qualify for the immediate credit. New Features How do I set up Touch ID? It’s easy! Simply click the prole icon in Online Banking and select Touch ID. Choose your Device Name, enter your Username and Password, and click Enroll. Please note, Touch ID must also be enabled on your

8 mobile device. How do I turn my credit
mobile device. How do I turn my credit cards on & o? Now you can have peace of mind knowing you can turn your credit card on or o in the moment to stop or allow new charges. And it gets better, this option is in addition to our regular, 24/7 fraud monitoring. How does it work? It’s easy. Choose “Manage Credit Cards” from your Quick Links. Pick the card you want to deactivate and select “Turn O.” How do I set up Fast Balances? Fast Balances lets you check your balances and history without logging in! Simply click the prole icon in Mobile Banking and select Fast Balances. Enable your mobile device to enroll and select which accounts you’d like to see. Then, you’ll be able to view these accounts from your Login page by clicking on the tab below the WECU logo. How do I set up Text Banking? WECU Text Banking allows you to send a quick command via text message and receive the response back via text. Here are the requests that you can make: BAL: Balance TRANS: Initiate a transfer HIST: 5 most recent transactions MORE: 5 more transactions NICK: List of all account nicknames HELP: List of all command options STOP: Cancels text banking To Enroll in Text Banking: Click on the Prole icon next to your name in Online or Mobile Banking, select Text Banking and simply register your phone number to enroll. How do I set up automatic transfers of my paycheck? It’s easy to set up automatic transfer to split your paycheck between your accounts each time you get paid. How does it work? Choose Mor�e Paycheck Distribution in Online or Mobile Banking. Complete the Paycheck Distribution form and submit. Your request will be processed within 3 business days. Online & Mobile Banking continued... Don’t forget to grab some extra cash as a back-up payment option. HELP CENTER Help Center Our upgrade will take place after closing on September 28 until we reopen October 2. During this time, some of our services will be unavailable. Branches CLOSED during the upgrade. We’ll reopen on October 2. OPEN on Monday, October 8. We’ll be open on Columbus Day in case you need anything. Contact Center CLOSED during the upgrade. EXTENDED HOURS October 2-13: 8 am to 7 pm Monday- Friday, and 9 am to 2 pm on Saturday. OPEN on Monday, October 8. We’ll be open on Columbus Day in case you need anything. Online & Mobile Banking UNAVAILABLE during the upgrade. Make sure to check your balances, review your account activity and perform any necessary online transactions with plenty of time ahead of the upgrade. Debit Cards AVAILABLE during the upgrade. Temporary limits will be in eect. Card transactions, including ATM withdrawals, will post to your account by the time we open Tuesday morning. Your balance will not be updated by transfers, deposits, merchant credits or reversals during this time, so having another method of payment or extra cash is a good idea. Make sure to check your balance before the upgrade and track your spending carefully to avoid overdraft charges. During the upgrade, you’re welcome to call Visa Transaction Assistance with questions about your signature

9 transactions at 888-526-0404. Outside
transactions at 888-526-0404. Outside of the US, call collect 206-352- 4954. Credit Cards AVAILABLE during the upgrade. Temporary limits will be in eect. Card transactions will post to your account by the time we open branches Tuesday morning. Your balance will not be updated by charges, payments, merchant credits or reversals during this time. Track your spending carefully to avoid going over your limit. During the upgrade, you’re welcome to call Visa Transaction Assistance with questions at 888-526-0404. Outside of the US, call collect 206-352-4954. ATMs AVAILABLE during the upgrade, but your balance will not update. Temporary limits will be in eect. Track your spending carefully to avoid unnecessary overdraft charges. Any ATM deposits you make during the upgrade will post to your account by the time we open branches Tuesday morning, with up to $200 available.* The remaining funds will be available 2 business days later. Don’t forget, as a WECU Member you have access to nearly 30,000 surcharge-free ATMs - that’s more than most of the biggest banks. Telephone Banking UNAVAILABLE during the upgrade. We suggest that you check your balances, review your account activity and perform any necessary online transactions with plenty of time ahead of the upgrade. wecu.com/ SystemUpgrade 800-525-8703 Chat at wecu.com 11 locations in Whatcom County We’re Open Columbus D ay, October 8 We’re here for you. All branches and our Contact Center will stay open on Columbus Day. We’re Closed Monday, October 1 Extended Hours Our Contact Center will have extended hours October 2-13. Mon-Fri: 8am to 7pm and Sat: 9am to 2 pm. Still have questions? Service Availability The following will be unavailable from closing on September 28 until we reopen on October 2. Branches Contact Center Online & Mobile Banking Telephone Banking The following will be available during the upgrade. Debit Cards Credit Cards ATMs Final Reminders Update your contact information. Check your inbox for messages. Review the checklist included with this booklet. Check your balances prior to the upgrade. Grab some cash as a back-up payment option. Track your spending carefully during the system upgrade. Transactions will post to your account by the time we open our branches Tuesday morning, October 2. Check out the new and improved WECU systems on October 2. wecu.com *You need to be a member for at least 6 months to qualify for the immediate credit. OR VISIT A BRANCH: Holly Branch 600 E Holly Street Bellis Fair Branch Bellis Fair Mall - Target Wing Birchwood Branch 1600 Birchwood Ave Fairhaven Branch 1225 Harris Ave Fountain Branch 2625 Meridian Street Sudden Valley Branch 1945 Lake Whatcom Blvd Sunset Branch 3061 Orleans Street Blaine Branch 1773 H Street Everson Branch 106 East Main Street Ferndale Branch 5659 Barrett Rd Lynden Branch 2045 Front Street Contact us if you have further questions: Call 800-525-8703 or chat online at wecu.com Learn more about the WECU system upgrade online: wecu.com/ SystemUpgrade Eective August 2018 Federally Insured by the NCUA. Equal Housing Opportunity Printed on 30% recycled materi