PATELCO CREDIT UNION Northern California's credit union is here to help you build your financial strength via checking, savings and loans at the right time,

and the right rate.

LOG IN TO PATELCO ONLINE™CONTACT USBRANCH LOCATOR Zelle and the Zelle-related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

COVID-19 FAQS

Most banks, credit unions, and mortgage lenders and servicers have agreed to allow homeowners impacted by the COVID-19 pandemic to delay or reduce their mortgage payments for up to three months. If we are your mortgage lender, contact us at 800.358.8228. Q. CONTACT US - PATELCO CREDIT UNION Give us a call. We're available by phone 7:30am - 7pm PT weekdays and 9am - 2pm PT Saturdays. (International card assistance is available 24/7.) General assistance: 800.358.8228. Debit/credit cards: 800.358.8228 option 3 (fraud, lost/stolen cards, card unblocking, transaction inquiries) Current balance, fund transfers and more:

888.766.2424.

BECOME A PATELCO MEMBER TODAY Our dedicated new membership team is ready at 888.386.1031 weekdays 9am to 5pm and Saturdays 9am to 2pm (PT). To join us, you'll need: Social Security number. Driver’s license or government ID. Current home address. Credit card or external bank account to fund your new

account (

CHECK YOUR PATELCO APPLICATION STATUS If you've applied for a loan, credit card card or other service with us, you can check the status of your application here. HEALTH SAVINGS ACCOUNT Health Savings Accounts (HSAs) were created by the Medicare bill signed by President Bush on December 8, 2003. HSAs are a form of medical savings account that must be accompanied by a high-deductible health insurance plan. HSAs allow individuals/employers to set aside money on a pre-tax or tax-deductible basis and then withdraw the money

tax

HOME EQUITY LINES OF CREDIT (HELOC) AND LOANS Home Equity Loans and lines of credit are available on California properties only. 3 The minimum credit line amount is $10,000 and the maximum is $500,000. Patelco Credit Union will pay customary closing costs on lines up to $250,000 in second lien position. Borrower is responsible for closing costs on lines in first lien position or over

$250,000.

FEE SCHEDULE

Fee Schedule Effective June 1, 2021 How to contact us 800.358.8228 Patelco Credit Union, PO Box 2227, Merced, CA 95344 All fees and charges are subject to updating and revision upon proper notice. DOMESTIC WIRE TRANSFER REQUEST FORM Domestic Outgoing Wire Transfer – 1 of 2 SHR_JP170612_Rev.03.2019 Domestic Outgoing . Wire Transfer . Patelco Domestic Outgoing Wire Transfer Authorization. Wire transfer requests received prior to PATELCO CREDIT UNION Northern California's credit union is here to help you build your financial strength via checking, savings and loans at the right time,

and the right rate.

LOG IN TO PATELCO ONLINE™CONTACT USBRANCH LOCATOR Zelle and the Zelle-related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

COVID-19 FAQS

Most banks, credit unions, and mortgage lenders and servicers have agreed to allow homeowners impacted by the COVID-19 pandemic to delay or reduce their mortgage payments for up to three months. If we are your mortgage lender, contact us at 800.358.8228. Q. CONTACT US - PATELCO CREDIT UNION Give us a call. We're available by phone 7:30am - 7pm PT weekdays and 9am - 2pm PT Saturdays. (International card assistance is available 24/7.) General assistance: 800.358.8228. Debit/credit cards: 800.358.8228 option 3 (fraud, lost/stolen cards, card unblocking, transaction inquiries) Current balance, fund transfers and more:

888.766.2424.

BECOME A PATELCO MEMBER TODAY Our dedicated new membership team is ready at 888.386.1031 weekdays 9am to 5pm and Saturdays 9am to 2pm (PT). To join us, you'll need: Social Security number. Driver’s license or government ID. Current home address. Credit card or external bank account to fund your new

account (

CHECK YOUR PATELCO APPLICATION STATUS If you've applied for a loan, credit card card or other service with us, you can check the status of your application here. HEALTH SAVINGS ACCOUNT Health Savings Accounts (HSAs) were created by the Medicare bill signed by President Bush on December 8, 2003. HSAs are a form of medical savings account that must be accompanied by a high-deductible health insurance plan. HSAs allow individuals/employers to set aside money on a pre-tax or tax-deductible basis and then withdraw the money

tax

HOME EQUITY LINES OF CREDIT (HELOC) AND LOANS Home Equity Loans and lines of credit are available on California properties only. 3 The minimum credit line amount is $10,000 and the maximum is $500,000. Patelco Credit Union will pay customary closing costs on lines up to $250,000 in second lien position. Borrower is responsible for closing costs on lines in first lien position or over

$250,000.

FEE SCHEDULE

Fee Schedule Effective June 1, 2021 How to contact us 800.358.8228 Patelco Credit Union, PO Box 2227, Merced, CA 95344 All fees and charges are subject to updating and revision upon proper notice. DOMESTIC WIRE TRANSFER REQUEST FORM Domestic Outgoing Wire Transfer – 1 of 2 SHR_JP170612_Rev.03.2019 Domestic Outgoing . Wire Transfer . Patelco Domestic Outgoing Wire Transfer Authorization. Wire transfer requests received prior to CHECK YOUR PATELCO APPLICATION STATUS If you've applied for a loan, credit card card or other service with us, you can check the status of your application here. MEMBER RESOURCES AND SUPPORT Emotional support resources - If you need help or just want to talk to someone, we have emotional wellbeing resources to help. Crisis Text Line: Text HOME to 741741 for 24/7 crisis support. California Peer-Run Warm Line: Bay area residents call 855.845.7415 for 24/7 non-emergency

emotional support.

COVID-19 FAQS

Most banks, credit unions, and mortgage lenders and servicers have agreed to allow homeowners impacted by the COVID-19 pandemic to delay or reduce their mortgage payments for up to three months. If we are your mortgage lender, contact us at 800.358.8228. Q. COMPARE CREDIT CARDS & APPLY FOR CREDIT CARD ONLINE Pure Mastercard ® Credit Card. The smart, easy way to pay. APPLY NOW. A great, basic credit card for making everyday purchases. Smart, low-rate option for those who carry a balance, or looking to transfer from a high-interest card. No annual or balance transfer CAR AND HOME INSURANCE OPTIONS Car, Boat, RV and more. Safeguard your ride. Get a quote now. On the road, on the water, and everything in-between. Get cost and coverage comparisons from multiple national providers. Compare online or talk to a licensed insurance agent at 844.835.7645. Get a quote tailored to

your needs.

MEMBERSHIP BENEFITS

Why pay full price when your Patelco membership includes special perks like discounts for car rentals, car buying, vacations, and family fun entertainment. Here’s some of the many benefits that come with Patelco membership. Scroll down to discover even more benefits

FINANCIAL STATEMENT

See exactly how we're doing. Keeping you aware of our financial health is a top priority for us. As a member owned financial cooperative, we

hold

LOAN AND PAYMENT CALCULATORS Understanding how much you can borrow, what monthly payments will be, and how much to save are all important. Here are the tools and calculators to help you plan.

BALANCE TRANSFER

How to request a balance transfer online. To request a balance transfer: Log in to Patelco Online™. Select the MORE widget and navigate to Member Services. Select the Balance Transfer form. Answer a few questions and then select Submit. Tip: Have your credit card I WANT TO CONSOLIDATE DEBT 1 A $25 fee will be added to the loan balance when Skip-A-Pay is used.. 2 The minimum credit line amount is $10,000 and the maximum is $500,000. Patelco Credit Union will pay customary closing costs on lines up to $250,000 in second lien position. Borrower is responsible for closing costs on lines in first lien position or over $250,000 and any escrow fees resulting from changes to title. PATELCO CREDIT UNION Northern California's credit union is here to help you build your financial strength via checking, savings and loans at the right time,

and the right rate.

LOG IN TO PATELCO ONLINE™CONTACT USBRANCH LOCATOR San Francisco Sunset branch will be closed on Saturday, June 5 for scheduled maintenance. Use our branch locator to find the nearest location, and log in to online banking for faster transactions.

ONLINE BANKING

To get started: Log in to Patelco Online™ on a desktop computer. Select your name in the upper right. Select Settings. Select the Contact tab to add and verify your mobile number (if it's not already added and verified) Select the Alerts tab. Select the gear icon next

to

CONTACT US - PATELCO CREDIT UNION Give us a call. We're available by phone 7:30am - 7pm PT weekdays and 9am - 2pm PT Saturdays. (International card assistance is available 24/7.) General assistance: 800.358.8228. Debit/credit cards: 800.358.8228 option 3 (fraud, lost/stolen cards, card unblocking, transaction inquiries) Current balance, fund transfers and more:

888.766.2424.

COMPARE CREDIT CARDS & APPLY FOR CREDIT CARD ONLINE Pure Mastercard ® Credit Card. The smart, easy way to pay. APPLY NOW. A great, basic credit card for making everyday purchases. Smart, low-rate option for those who carry a balance, or looking to transfer from a high-interest card. No annual or balance transfer

FINANCIAL STATEMENT

See exactly how we're doing. Keeping you aware of our financial health is a top priority for us. As a member owned financial cooperative, we

hold

HOME EQUITY LINES OF CREDIT (HELOC) AND LOANS Home Equity Loans and lines of credit are available on California properties only. 3 The minimum credit line amount is $10,000 and the maximum is $500,000. Patelco Credit Union will pay customary closing costs on lines up to $250,000 in second lien position. Borrower is responsible for closing costs on lines in first lien position or over

$250,000.

HEALTH SAVINGS ACCOUNT Health Savings Accounts (HSAs) were created by the Medicare bill signed by President Bush on December 8, 2003. HSAs are a form of medical savings account that must be accompanied by a high-deductible health insurance plan. HSAs allow individuals/employers to set aside money on a pre-tax or tax-deductible basis and then withdraw the money

tax

FEE SCHEDULE

Fee Schedule Effective June 1, 2021 How to contact us 800.358.8228 Patelco Credit Union, PO Box 2227, Merced, CA 95344 All fees and charges are subject to updating and revision upon proper notice. DESIGNATION OF BENEFICIARY 2016.0186_Rev.0318 Account # Date Designation of Bene˜ciary Use This form is to be used only when designating “Pay-on-Death” b

ene˜ciaries.

PATELCO CREDIT UNION Northern California's credit union is here to help you build your financial strength via checking, savings and loans at the right time,

and the right rate.

LOG IN TO PATELCO ONLINE™CONTACT USBRANCH LOCATOR San Francisco Sunset branch will be closed on Saturday, June 5 for scheduled maintenance. Use our branch locator to find the nearest location, and log in to online banking for faster transactions.

ONLINE BANKING

To get started: Log in to Patelco Online™ on a desktop computer. Select your name in the upper right. Select Settings. Select the Contact tab to add and verify your mobile number (if it's not already added and verified) Select the Alerts tab. Select the gear icon next

to

CONTACT US - PATELCO CREDIT UNION Give us a call. We're available by phone 7:30am - 7pm PT weekdays and 9am - 2pm PT Saturdays. (International card assistance is available 24/7.) General assistance: 800.358.8228. Debit/credit cards: 800.358.8228 option 3 (fraud, lost/stolen cards, card unblocking, transaction inquiries) Current balance, fund transfers and more:

888.766.2424.

COMPARE CREDIT CARDS & APPLY FOR CREDIT CARD ONLINE Pure Mastercard ® Credit Card. The smart, easy way to pay. APPLY NOW. A great, basic credit card for making everyday purchases. Smart, low-rate option for those who carry a balance, or looking to transfer from a high-interest card. No annual or balance transfer

FINANCIAL STATEMENT

See exactly how we're doing. Keeping you aware of our financial health is a top priority for us. As a member owned financial cooperative, we

hold

HOME EQUITY LINES OF CREDIT (HELOC) AND LOANS Home Equity Loans and lines of credit are available on California properties only. 3 The minimum credit line amount is $10,000 and the maximum is $500,000. Patelco Credit Union will pay customary closing costs on lines up to $250,000 in second lien position. Borrower is responsible for closing costs on lines in first lien position or over

$250,000.

HEALTH SAVINGS ACCOUNT Health Savings Accounts (HSAs) were created by the Medicare bill signed by President Bush on December 8, 2003. HSAs are a form of medical savings account that must be accompanied by a high-deductible health insurance plan. HSAs allow individuals/employers to set aside money on a pre-tax or tax-deductible basis and then withdraw the money

tax

FEE SCHEDULE

Fee Schedule Effective June 1, 2021 How to contact us 800.358.8228 Patelco Credit Union, PO Box 2227, Merced, CA 95344 All fees and charges are subject to updating and revision upon proper notice. DESIGNATION OF BENEFICIARY 2016.0186_Rev.0318 Account # Date Designation of Bene˜ciary Use This form is to be used only when designating “Pay-on-Death” b

ene˜ciaries.

COVID-19 FAQS

Most banks, credit unions, and mortgage lenders and servicers have agreed to allow homeowners impacted by the COVID-19 pandemic to delay or reduce their mortgage payments for up to three months. If we are your mortgage lender, contact us at 800.358.8228. Q. CHECK YOUR PATELCO APPLICATION STATUS If you've applied for a loan, credit card card or other service with us, you can check the status of your application here. OPEN A CHECKING ACCOUNT ONLINE An everyday account that pays steady interest. OPEN TODAY. $5 monthly fee. $10 opening deposit. Monthly fee waived if your account meets any one of the following: Monthly direct deposit of $100 or more. Minimum daily balance of $500. You’re a Patelco BECOME A PATELCO MEMBER TODAY Our dedicated new membership team is ready at 888.386.1031 weekdays 9am to 5pm and Saturdays 9am to 2pm (PT). To join us, you'll need: Social Security number. Driver’s license or government ID. Current home address. Credit card or external bank account to fund your new

account (

FINANCIAL STATEMENT

See exactly how we're doing. Keeping you aware of our financial health is a top priority for us. As a member owned financial cooperative, we

hold

FRAUD CENTER

Beware of calls and texts asking for your Patelco information (March 2021) Members have recently reported receiving calls and texts, many appearing to come from Patelco’s 800 number. The fraudsters are asking members for personal information such as online banking User IDs and passwords, then stealing money from their accounts. FORECLOSURE SCAMS TO AVOID Popular scams. If you’re facing foreclosure, you should first contact your lender directly. If you’re a Patelco member who has your mortgage elsewhere, we’re still here to talk with you about your options. While you’re considering your options, you should be aware of these popular scams so you can avoid them: Fake refinancing:

the con

RETIREMENT PLAN OPTIONS Option 3: Roll the funds over to an IRA2 Distributions from designated Roth accounts can only be rolled over to a Roth IRA; distributions of non-Roth funds can be made into a DESIGNATION OF BENEFICIARY 2016.0186_Rev.0318 Account # Date Designation of Bene˜ciary Use This form is to be used only when designating “Pay-on-Death” b

ene˜ciaries.

TRANSFER MONEY TO ANOTHER MEMBER Transfer Money to Another Member Page 3 of 8 3. Then select your To Account.If you’ve previously sent money to this other member, their account should appear in the To Account drop-down menu If their account doesn’t appear, or if you haven’t sent money to them

before,

PATELCO CREDIT UNION Northern California's credit union is here to help you build your financial strength via checking, savings and loans at the right time,

and the right rate.

LOG IN TO PATELCO ONLINE™CONTACT USBRANCH LOCATOR San Francisco Sunset branch will be closed on Saturday, June 5 for scheduled maintenance. Use our branch locator to find the nearest location, and log in to online banking for faster transactions.

ONLINE BANKING

To get started: Log in to Patelco Online™ on a desktop computer. Select your name in the upper right. Select Settings. Select the Contact tab to add and verify your mobile number (if it's not already added and verified) Select the Alerts tab. Select the gear icon next

to

CONTACT US - PATELCO CREDIT UNION Give us a call. We're available by phone 7:30am - 7pm PT weekdays and 9am - 2pm PT Saturdays. (International card assistance is available 24/7.) General assistance: 800.358.8228. Debit/credit cards: 800.358.8228 option 3 (fraud, lost/stolen cards, card unblocking, transaction inquiries) Current balance, fund transfers and more:

888.766.2424.

COMPARE CREDIT CARDS & APPLY FOR CREDIT CARD ONLINE Pure Mastercard ® Credit Card. The smart, easy way to pay. APPLY NOW. A great, basic credit card for making everyday purchases. Smart, low-rate option for those who carry a balance, or looking to transfer from a high-interest card. No annual or balance transfer

FINANCIAL STATEMENT

See exactly how we're doing. Keeping you aware of our financial health is a top priority for us. As a member owned financial cooperative, we

hold

HOME EQUITY LINES OF CREDIT (HELOC) AND LOANS Home Equity Loans and lines of credit are available on California properties only. 3 The minimum credit line amount is $10,000 and the maximum is $500,000. Patelco Credit Union will pay customary closing costs on lines up to $250,000 in second lien position. Borrower is responsible for closing costs on lines in first lien position or over

$250,000.

HEALTH SAVINGS ACCOUNT Health Savings Accounts (HSAs) were created by the Medicare bill signed by President Bush on December 8, 2003. HSAs are a form of medical savings account that must be accompanied by a high-deductible health insurance plan. HSAs allow individuals/employers to set aside money on a pre-tax or tax-deductible basis and then withdraw the money

tax

FEE SCHEDULE

Fee Schedule Effective June 1, 2021 How to contact us 800.358.8228 Patelco Credit Union, PO Box 2227, Merced, CA 95344 All fees and charges are subject to updating and revision upon proper notice. DESIGNATION OF BENEFICIARY 2016.0186_Rev.0318 Account # Date Designation of Bene˜ciary Use This form is to be used only when designating “Pay-on-Death” b

ene˜ciaries.

PATELCO CREDIT UNION Northern California's credit union is here to help you build your financial strength via checking, savings and loans at the right time,

and the right rate.

LOG IN TO PATELCO ONLINE™CONTACT USBRANCH LOCATOR San Francisco Sunset branch will be closed on Saturday, June 5 for scheduled maintenance. Use our branch locator to find the nearest location, and log in to online banking for faster transactions.

ONLINE BANKING

To get started: Log in to Patelco Online™ on a desktop computer. Select your name in the upper right. Select Settings. Select the Contact tab to add and verify your mobile number (if it's not already added and verified) Select the Alerts tab. Select the gear icon next

to

CONTACT US - PATELCO CREDIT UNION Give us a call. We're available by phone 7:30am - 7pm PT weekdays and 9am - 2pm PT Saturdays. (International card assistance is available 24/7.) General assistance: 800.358.8228. Debit/credit cards: 800.358.8228 option 3 (fraud, lost/stolen cards, card unblocking, transaction inquiries) Current balance, fund transfers and more:

888.766.2424.

COMPARE CREDIT CARDS & APPLY FOR CREDIT CARD ONLINE Pure Mastercard ® Credit Card. The smart, easy way to pay. APPLY NOW. A great, basic credit card for making everyday purchases. Smart, low-rate option for those who carry a balance, or looking to transfer from a high-interest card. No annual or balance transfer

FINANCIAL STATEMENT

See exactly how we're doing. Keeping you aware of our financial health is a top priority for us. As a member owned financial cooperative, we

hold

HOME EQUITY LINES OF CREDIT (HELOC) AND LOANS Home Equity Loans and lines of credit are available on California properties only. 3 The minimum credit line amount is $10,000 and the maximum is $500,000. Patelco Credit Union will pay customary closing costs on lines up to $250,000 in second lien position. Borrower is responsible for closing costs on lines in first lien position or over

$250,000.

HEALTH SAVINGS ACCOUNT Health Savings Accounts (HSAs) were created by the Medicare bill signed by President Bush on December 8, 2003. HSAs are a form of medical savings account that must be accompanied by a high-deductible health insurance plan. HSAs allow individuals/employers to set aside money on a pre-tax or tax-deductible basis and then withdraw the money

tax

FEE SCHEDULE

Fee Schedule Effective June 1, 2021 How to contact us 800.358.8228 Patelco Credit Union, PO Box 2227, Merced, CA 95344 All fees and charges are subject to updating and revision upon proper notice. DESIGNATION OF BENEFICIARY 2016.0186_Rev.0318 Account # Date Designation of Bene˜ciary Use This form is to be used only when designating “Pay-on-Death” b

ene˜ciaries.

COVID-19 FAQS

Most banks, credit unions, and mortgage lenders and servicers have agreed to allow homeowners impacted by the COVID-19 pandemic to delay or reduce their mortgage payments for up to three months. If we are your mortgage lender, contact us at 800.358.8228. Q. CHECK YOUR PATELCO APPLICATION STATUS If you've applied for a loan, credit card card or other service with us, you can check the status of your application here. OPEN A CHECKING ACCOUNT ONLINE An everyday account that pays steady interest. OPEN TODAY. $5 monthly fee. $10 opening deposit. Monthly fee waived if your account meets any one of the following: Monthly direct deposit of $100 or more. Minimum daily balance of $500. You’re a Patelco BECOME A PATELCO MEMBER TODAY Our dedicated new membership team is ready at 888.386.1031 weekdays 9am to 5pm and Saturdays 9am to 2pm (PT). To join us, you'll need: Social Security number. Driver’s license or government ID. Current home address. Credit card or external bank account to fund your new

account (

FINANCIAL STATEMENT

See exactly how we're doing. Keeping you aware of our financial health is a top priority for us. As a member owned financial cooperative, we

hold

FRAUD CENTER

Beware of calls and texts asking for your Patelco information (March 2021) Members have recently reported receiving calls and texts, many appearing to come from Patelco’s 800 number. The fraudsters are asking members for personal information such as online banking User IDs and passwords, then stealing money from their accounts. FORECLOSURE SCAMS TO AVOID Popular scams. If you’re facing foreclosure, you should first contact your lender directly. If you’re a Patelco member who has your mortgage elsewhere, we’re still here to talk with you about your options. While you’re considering your options, you should be aware of these popular scams so you can avoid them: Fake refinancing:

the con

RETIREMENT PLAN OPTIONS Option 3: Roll the funds over to an IRA2 Distributions from designated Roth accounts can only be rolled over to a Roth IRA; distributions of non-Roth funds can be made into a DESIGNATION OF BENEFICIARY 2016.0186_Rev.0318 Account # Date Designation of Bene˜ciary Use This form is to be used only when designating “Pay-on-Death” b

ene˜ciaries.

TRANSFER MONEY TO ANOTHER MEMBER Transfer Money to Another Member Page 3 of 8 3. Then select your To Account.If you’ve previously sent money to this other member, their account should appear in the To Account drop-down menu If their account doesn’t appear, or if you haven’t sent money to them

before,

PATELCO CREDIT UNION Northern California's credit union is here to help you build your financial strength via checking, savings and loans at the right time,

and the right rate.

LOG IN TO PATELCO ONLINE™CONTACT USBRANCH LOCATOR San Francisco Sunset branch will be closed on Saturday, June 5 for scheduled maintenance. Use our branch locator to find the nearest location, and log in to online banking for faster transactions.

ONLINE BANKING

To get started: Log in to Patelco Online™ on a desktop computer. Select your name in the upper right. Select Settings. Select the Contact tab to add and verify your mobile number (if it's not already added and verified) Select the Alerts tab. Select the gear icon next

to

CHECK YOUR PATELCO APPLICATION STATUS If you've applied for a loan, credit card card or other service with us, you can check the status of your application here. OPEN A CHECKING ACCOUNT ONLINE An everyday account that pays steady interest. OPEN TODAY. $5 monthly fee. $10 opening deposit. Monthly fee waived if your account meets any one of the following: Monthly direct deposit of $100 or more. Minimum daily balance of $500. You’re a Patelco COMPARE CREDIT CARDS & APPLY FOR CREDIT CARD ONLINE Pure Mastercard ® Credit Card. The smart, easy way to pay. APPLY NOW. A great, basic credit card for making everyday purchases. Smart, low-rate option for those who carry a balance, or looking to transfer from a high-interest card. No annual or balance transfer

FRAUD CENTER

Beware of calls and texts asking for your Patelco information (March 2021) Members have recently reported receiving calls and texts, many appearing to come from Patelco’s 800 number. The fraudsters are asking members for personal information such as online banking User IDs and passwords, then stealing money from their accounts. HEALTH SAVINGS ACCOUNT Health Savings Accounts (HSAs) were created by the Medicare bill signed by President Bush on December 8, 2003. HSAs are a form of medical savings account that must be accompanied by a high-deductible health insurance plan. HSAs allow individuals/employers to set aside money on a pre-tax or tax-deductible basis and then withdraw the money

tax

HOME EQUITY LINES OF CREDIT (HELOC) AND LOANS Home Equity Loans and lines of credit are available on California properties only. 3 The minimum credit line amount is $10,000 and the maximum is $500,000. Patelco Credit Union will pay customary closing costs on lines up to $250,000 in second lien position. Borrower is responsible for closing costs on lines in first lien position or over

$250,000.

FEE SCHEDULE

Fee Schedule Effective June 1, 2021 How to contact us 800.358.8228 Patelco Credit Union, PO Box 2227, Merced, CA 95344 All fees and charges are subject to updating and revision upon proper notice. PATELCO CREDIT UNION Northern California's credit union is here to help you build your financial strength via checking, savings and loans at the right time,

and the right rate.

LOG IN TO PATELCO ONLINE™CONTACT USBRANCH LOCATOR San Francisco Sunset branch will be closed on Saturday, June 5 for scheduled maintenance. Use our branch locator to find the nearest location, and log in to online banking for faster transactions.

ONLINE BANKING

To get started: Log in to Patelco Online™ on a desktop computer. Select your name in the upper right. Select Settings. Select the Contact tab to add and verify your mobile number (if it's not already added and verified) Select the Alerts tab. Select the gear icon next

to

CHECK YOUR PATELCO APPLICATION STATUS If you've applied for a loan, credit card card or other service with us, you can check the status of your application here. OPEN A CHECKING ACCOUNT ONLINE An everyday account that pays steady interest. OPEN TODAY. $5 monthly fee. $10 opening deposit. Monthly fee waived if your account meets any one of the following: Monthly direct deposit of $100 or more. Minimum daily balance of $500. You’re a Patelco COMPARE CREDIT CARDS & APPLY FOR CREDIT CARD ONLINE Pure Mastercard ® Credit Card. The smart, easy way to pay. APPLY NOW. A great, basic credit card for making everyday purchases. Smart, low-rate option for those who carry a balance, or looking to transfer from a high-interest card. No annual or balance transfer

FRAUD CENTER

Beware of calls and texts asking for your Patelco information (March 2021) Members have recently reported receiving calls and texts, many appearing to come from Patelco’s 800 number. The fraudsters are asking members for personal information such as online banking User IDs and passwords, then stealing money from their accounts. HEALTH SAVINGS ACCOUNT Health Savings Accounts (HSAs) were created by the Medicare bill signed by President Bush on December 8, 2003. HSAs are a form of medical savings account that must be accompanied by a high-deductible health insurance plan. HSAs allow individuals/employers to set aside money on a pre-tax or tax-deductible basis and then withdraw the money

tax

HOME EQUITY LINES OF CREDIT (HELOC) AND LOANS Home Equity Loans and lines of credit are available on California properties only. 3 The minimum credit line amount is $10,000 and the maximum is $500,000. Patelco Credit Union will pay customary closing costs on lines up to $250,000 in second lien position. Borrower is responsible for closing costs on lines in first lien position or over

$250,000.

FEE SCHEDULE

Fee Schedule Effective June 1, 2021 How to contact us 800.358.8228 Patelco Credit Union, PO Box 2227, Merced, CA 95344 All fees and charges are subject to updating and revision upon proper notice. CHECK YOUR PATELCO APPLICATION STATUS If you've applied for a loan, credit card card or other service with us, you can check the status of your application here. BECOME A PATELCO MEMBER TODAY Our dedicated new membership team is ready at 888.386.1031 weekdays 9am to 5pm and Saturdays 9am to 2pm (PT). To join us, you'll need: Social Security number. Driver’s license or government ID. Current home address. Credit card or external bank account to fund your new

account (

CONTACT US - PATELCO CREDIT UNION Give us a call. We're available by phone 7:30am - 7pm PT weekdays and 9am - 2pm PT Saturdays. (International card assistance is available 24/7.) General assistance: 800.358.8228. Debit/credit cards: 800.358.8228 option 3 (fraud, lost/stolen cards, card unblocking, transaction inquiries) Current balance, fund transfers and more:

888.766.2424.

CAR AND HOME INSURANCE OPTIONS Car, Boat, RV and more. Safeguard your ride. Get a quote now. On the road, on the water, and everything in-between. Get cost and coverage comparisons from multiple national providers. Compare online or talk to a licensed insurance agent at 844.835.7645. Get a quote tailored to

your needs.

FRAUD CENTER

Beware of calls and texts asking for your Patelco information (March 2021) Members have recently reported receiving calls and texts, many appearing to come from Patelco’s 800 number. The fraudsters are asking members for personal information such as online banking User IDs and passwords, then stealing money from their accounts.

MEMBERSHIP BENEFITS

Why pay full price when your Patelco membership includes special perks like discounts for car rentals, car buying, vacations, and family fun entertainment. Here’s some of the many benefits that come with Patelco membership. Scroll down to discover even more benefits

I WANT TO BUY A CAR

Rates as low as 2.55% APR. Affordable repayment terms up to 84 months on vehicles up to 10 years old, maximum 125,000 miles. Up to 125% financing with Guaranteed Asset Protection and Mechanical Breakdown Insurance. Flexibility that allows you to buy from a I WANT TO REFINANCE MY HOME Unlock your home's equity. 1 The minimum credit line amount is $10,000 and the maximum is $500,000. Patelco Credit Union will pay customary closing costs on lines up to $250,000 in second lien position. Borrower is responsible for closing costs on lines in first lien position or over $250,000 and any escrow fees resulting from changes

to title.

RETIREMENT PLAN OPTIONS Option 3: Roll the funds over to an IRA2 Distributions from designated Roth accounts can only be rolled over to a Roth IRA; distributions of non-Roth funds can be made into a DESIGNATION OF BENEFICIARY 2016.0186_Rev.0318 Account # Date Designation of Bene˜ciary Use This form is to be used only when designating “Pay-on-Death” b

ene˜ciaries.

PATELCO CREDIT UNION Northern California's credit union is here to help you build your financial strength via checking, savings and loans at the right time,

and the right rate.

LOG IN TO PATELCO ONLINE™CONTACT USBRANCH LOCATOR San Francisco Sunset branch will be closed on Saturday, June 5 for scheduled maintenance. Use our branch locator to find the nearest location, and log in to online banking for faster transactions.

ONLINE BANKING

To get started: Log in to Patelco Online™ on a desktop computer. Select your name in the upper right. Select Settings. Select the Contact tab to add and verify your mobile number (if it's not already added and verified) Select the Alerts tab. Select the gear icon next

to

CHECK YOUR PATELCO APPLICATION STATUS If you've applied for a loan, credit card card or other service with us, you can check the status of your application here. OPEN A CHECKING ACCOUNT ONLINE An everyday account that pays steady interest. OPEN TODAY. $5 monthly fee. $10 opening deposit. Monthly fee waived if your account meets any one of the following: Monthly direct deposit of $100 or more. Minimum daily balance of $500. You’re a Patelco COMPARE CREDIT CARDS & APPLY FOR CREDIT CARD ONLINE Pure Mastercard ® Credit Card. The smart, easy way to pay. APPLY NOW. A great, basic credit card for making everyday purchases. Smart, low-rate option for those who carry a balance, or looking to transfer from a high-interest card. No annual or balance transfer

FRAUD CENTER

Beware of calls and texts asking for your Patelco information (March 2021) Members have recently reported receiving calls and texts, many appearing to come from Patelco’s 800 number. The fraudsters are asking members for personal information such as online banking User IDs and passwords, then stealing money from their accounts. HEALTH SAVINGS ACCOUNT Health Savings Accounts (HSAs) were created by the Medicare bill signed by President Bush on December 8, 2003. HSAs are a form of medical savings account that must be accompanied by a high-deductible health insurance plan. HSAs allow individuals/employers to set aside money on a pre-tax or tax-deductible basis and then withdraw the money

tax

HOME EQUITY LINES OF CREDIT (HELOC) AND LOANS Home Equity Loans and lines of credit are available on California properties only. 3 The minimum credit line amount is $10,000 and the maximum is $500,000. Patelco Credit Union will pay customary closing costs on lines up to $250,000 in second lien position. Borrower is responsible for closing costs on lines in first lien position or over

$250,000.

FEE SCHEDULE

Fee Schedule Effective June 1, 2021 How to contact us 800.358.8228 Patelco Credit Union, PO Box 2227, Merced, CA 95344 All fees and charges are subject to updating and revision upon proper notice. PATELCO CREDIT UNION Northern California's credit union is here to help you build your financial strength via checking, savings and loans at the right time,

and the right rate.

LOG IN TO PATELCO ONLINE™CONTACT USBRANCH LOCATOR San Francisco Sunset branch will be closed on Saturday, June 5 for scheduled maintenance. Use our branch locator to find the nearest location, and log in to online banking for faster transactions.

ONLINE BANKING

To get started: Log in to Patelco Online™ on a desktop computer. Select your name in the upper right. Select Settings. Select the Contact tab to add and verify your mobile number (if it's not already added and verified) Select the Alerts tab. Select the gear icon next

to

CHECK YOUR PATELCO APPLICATION STATUS If you've applied for a loan, credit card card or other service with us, you can check the status of your application here. OPEN A CHECKING ACCOUNT ONLINE An everyday account that pays steady interest. OPEN TODAY. $5 monthly fee. $10 opening deposit. Monthly fee waived if your account meets any one of the following: Monthly direct deposit of $100 or more. Minimum daily balance of $500. You’re a Patelco COMPARE CREDIT CARDS & APPLY FOR CREDIT CARD ONLINE Pure Mastercard ® Credit Card. The smart, easy way to pay. APPLY NOW. A great, basic credit card for making everyday purchases. Smart, low-rate option for those who carry a balance, or looking to transfer from a high-interest card. No annual or balance transfer

FRAUD CENTER

Beware of calls and texts asking for your Patelco information (March 2021) Members have recently reported receiving calls and texts, many appearing to come from Patelco’s 800 number. The fraudsters are asking members for personal information such as online banking User IDs and passwords, then stealing money from their accounts. HEALTH SAVINGS ACCOUNT Health Savings Accounts (HSAs) were created by the Medicare bill signed by President Bush on December 8, 2003. HSAs are a form of medical savings account that must be accompanied by a high-deductible health insurance plan. HSAs allow individuals/employers to set aside money on a pre-tax or tax-deductible basis and then withdraw the money

tax

HOME EQUITY LINES OF CREDIT (HELOC) AND LOANS Home Equity Loans and lines of credit are available on California properties only. 3 The minimum credit line amount is $10,000 and the maximum is $500,000. Patelco Credit Union will pay customary closing costs on lines up to $250,000 in second lien position. Borrower is responsible for closing costs on lines in first lien position or over

$250,000.

FEE SCHEDULE

Fee Schedule Effective June 1, 2021 How to contact us 800.358.8228 Patelco Credit Union, PO Box 2227, Merced, CA 95344 All fees and charges are subject to updating and revision upon proper notice. CHECK YOUR PATELCO APPLICATION STATUS If you've applied for a loan, credit card card or other service with us, you can check the status of your application here. CONTACT US - PATELCO CREDIT UNION Give us a call. We're available by phone 7:30am - 7pm PT weekdays and 9am - 2pm PT Saturdays. (International card assistance is available 24/7.) General assistance: 800.358.8228. Debit/credit cards: 800.358.8228 option 3 (fraud, lost/stolen cards, card unblocking, transaction inquiries) Current balance, fund transfers and more:

888.766.2424.

BECOME A PATELCO MEMBER TODAY Our dedicated new membership team is ready at 888.386.1031 weekdays 9am to 5pm and Saturdays 9am to 2pm (PT). To join us, you'll need: Social Security number. Driver’s license or government ID. Current home address. Credit card or external bank account to fund your new

account (

CAR AND HOME INSURANCE OPTIONS Car, Boat, RV and more. Safeguard your ride. Get a quote now. On the road, on the water, and everything in-between. Get cost and coverage comparisons from multiple national providers. Compare online or talk to a licensed insurance agent at 844.835.7645. Get a quote tailored to

your needs.

FRAUD CENTER

Beware of calls and texts asking for your Patelco information (March 2021) Members have recently reported receiving calls and texts, many appearing to come from Patelco’s 800 number. The fraudsters are asking members for personal information such as online banking User IDs and passwords, then stealing money from their accounts.

MEMBERSHIP BENEFITS

Why pay full price when your Patelco membership includes special perks like discounts for car rentals, car buying, vacations, and family fun entertainment. Here’s some of the many benefits that come with Patelco membership. Scroll down to discover even more benefits

I WANT TO BUY A CAR

Rates as low as 2.55% APR. Affordable repayment terms up to 84 months on vehicles up to 10 years old, maximum 125,000 miles. Up to 125% financing with Guaranteed Asset Protection and Mechanical Breakdown Insurance. Flexibility that allows you to buy from a I WANT TO REFINANCE MY HOME Unlock your home's equity. 1 The minimum credit line amount is $10,000 and the maximum is $500,000. Patelco Credit Union will pay customary closing costs on lines up to $250,000 in second lien position. Borrower is responsible for closing costs on lines in first lien position or over $250,000 and any escrow fees resulting from changes

to title.

RETIREMENT PLAN OPTIONS Option 3: Roll the funds over to an IRA2 Distributions from designated Roth accounts can only be rolled over to a Roth IRA; distributions of non-Roth funds can be made into a DESIGNATION OF BENEFICIARY 2016.0186_Rev.0318 Account # Date Designation of Bene˜ciary Use This form is to be used only when designating “Pay-on-Death” b

ene˜ciaries.

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> "I always feel protected with Patelco. They’re good at giving me

> options."

>  Ariana

> Patelco member

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become borrow save buy check make a Patelco member for retirement for an emergency for college for a vacation for medical expenses for holiday gifts a car a home for home improvements to consolidate debt to refinance my home my application status to buy a car to refinance my auto loan a loan payment

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BETTER RATES, MORE SAVINGS AND ALL ABOUT YOU. As a member-owned, not-for-profit organization, our people before profits belief is deeply rooted in our purpose driven philosophy. It’s this higher standard that drives us to make a difference in people’s lives as every product and service is developed for the financial well-being of our members, not our bottom line. Guided by our mission to help improve our members’ financial health, joining Patelco means you’ll find significantly better rates, lower fees and best-in-class products. That’s because everything we offer is designed to help our members get to where they want to go. Through good times and bad, we’ll have your back. That’s what keeps us motivated and inspired. It’s not only our job, it’s our purpose.

OUR COMMUNITY

With 37 branches and over 400,000 members, we’ve proudly served the Bay Area for over 80 years.

JOIN US

Membership is free and it’s easy to join. We’re always looking out for your financial well-being and are in this together. Join today. WHAT ARE YOUR DREAMS AND GOALS? We're ready to help!

* Lower my debt

* Build my savings

* Purchase a home

* Plan for the future * Manage my retirement

Lower my debt

LOWER MY DEBT

How much debt do you currently have? A little . . . or a lot? We have product solutions that can help strengthen your credit as well as educational resources to make positive changes more sustainable.

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Build my savings

BUILD MY SAVINGS

We want our members to experience the peace of mind that comes with knowing they can weather an unexpected event or circumstance. Explore our saving resources to always have the funds you need, when you need

them.

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Purchase a home

PURCHASE A HOME

Our Home Loan Consultants are local experts who know the Northern California market inside and out. With low rates and fees and in-house services, we'll be there every step of the way to ensure you close quickly and smoothly.

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Plan for the future

PLAN FOR THE FUTURE

Thinking about a future education? Saving even a little bit now can go a long way for the future.

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Manage my retirement MANAGE MY RETIREMENT Have you started saving for retirement? Have you saved enough? Make sure you're prepared for life after work.

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WHO WE'VE HELPED

UPGRADE MY HOME

> "Fred and Derek did an amazing smooth job for our refi, our dream as > a family came true to build extra bedrooms to our home."

>  L.C.,

> member since 2017

SUPERIOR SERVICE

> "Patelco makes me feel respected and comfortable - more than any > other financial institution I've dealt with."

>  MC,

> member since 2003

APPLY FOR A LOAN

> "Fast, competent, reliable and friendly service. Excellent interest > rates that I have never seen beaten."

>  D.A.,

> member since 2017

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ABOUT PATELCO

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Patelco Credit Union

PO Box 2227

Merced, CA 95344

Routing #: 321076470

Insured by NCUA

NMLS ID # 506373

� Patelco Credit Union 2021

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