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1330 Gemini P.O. Box 58346 Houston, Texas 77258 (281) 488-7070 wellbyfinancial.com Wellby Membership Agreement and Account Disclosure Version effective April 14, 2025 1 Welcome to Wellby! Thank you for opening your account with JSC Federal Credit Union doing business as Wellby Financial hereinafter (“Wellby” or “Wellby Financial”). By doing business with Wellby Financial you are doing business with JSC Federal Credit Union. We look forward to serving you. The most recent version of this agreement is housed on our disclosures page of our website, located here: Disclosures | Wellby (https://www.wellbyfinancial.com/disclosures). We regularly make updates to this Agreement and additional disclosures. We recommend you keep a copy for your records. This is your Membership Agreement and Account Disclosure (may also be referred to as Account Terms and Conditions) or contract with us. The Membership Agreement also includes these separate documents that pertain to our accounts: • Rates for dividend-bearing accounts o Wellby Dividend Rates • Personal accounts: o Additional Services and Fees including the Fee Schedule • Additional disclosures, such as amendments or agreements, that we provide to you either when you open your account or when we change the terms of your account. How to Get Started After you open your account, these optional services may make transacting and managing your account easier. Debit card – use your debit card to transact with merchants that accept debit cards, at Wellby ATMs, or for ATM cash deposits and withdrawals. Direct Deposit – have your paycheck, retirement benefits, or other sources of income deposited electronically into your account(s). Online Banking – helps you manage and keep track of your finances by allowing you easy access to: • Check your account balance and review transaction history • Transfer funds between your accounts and Wellby loans, other Wellby members, external accounts held at other financial institutions, and contacts (via email or SMS text) • View your electronic statements, posted checks, and notices to print at your convenience. • Reorder checks • Send and receive secure messages Mobile Banking - allows you to view your balances, make transfers, and send money – all from your mobile phone. Online Bill Pay – allows electronic payment of bills from one convenient place. Online Alerts – provide an electronic notice through email or text message about account activity, such as when direct deposit posts or when your balance drops below an amount you set. Fraud Alerts – provides an electronic notice through email or text message about suspicious activity on your debit card. Scheduled Transfers – helps make saving and loan payments easier by automatically transferring money from your share accounts. Overdraft Protection – helps you avoid overdrafts, declined or returned checks, and other items by linking a designated account (backup account) to your checking account and automatically transferring available funds from that backup account (designated share or line of credit loan). Overdraft Steward – helps you avoid declined card purchases when you do not have sufficient available balance in your account to cover a transaction at the time it is presented to us for payment, 2 but we pay it anyway at our discretion for a fee. (See the Overdraft Services Disclosure) How to Access Your Account Use any of the following channels to get access to your account and get information about our accounts and services: Wellby Branches find our nearest location on our website at wellbyfinancial.com Wellby ATMs locate the nearest ATM machine on our website at wellbyfinancial.com Online Banking visit us online at secure.wellbyfinancial.com Mobile Banking visit the Apple App Store or Google Play Store to download the mobile banking app. Telephone Banking or Retail Contact Center by calling (281) 488- 7070 or (800) 940-0708. How to Contact Us By Mail P.O. Box 58346, Houston, TX 77258 Overnight/Express Mail: 1330 Gemini, Houston, TX 77058 By Phone (281) 488 – 7070 or (800) 940 - 0708 Online www.wellbyfinancial.com 3 Table of Contents Welcome to Wellby!................................................................... 1 How to Get Started ............................................................................. 1 How to Access Your Account ............................................................ 2 Important Terms .................................................................................. 4 General Account Terms .............................................................. 7 Governing Law .................................................................................... 7 Acceptance of Provision .............................. ... ...................................... 7 Changes to This Agreement ............................................................. 8 Arbitration and Waiver of Class Action ........................................... 8 Arbitration Provisions .................................................................... 8 Opening a New Account ............................................................ 9 Membership Eligibility ..................................................................... 10 Member in Good Standing ............................................................. 10 Bylaws and Account Termination .................................................. 11 Limitation, Suspension, and Service Restriction ......................... 11 Withdrawal of Services ..................................................................... 12 Converting an Account .................................................................... 12 Account Ownership ................................................................. 12 Single Party Accounts....................................................................... 12 Multiple Party Accounts ................................................................... 12 Convenience Accounts .................................................................... 13 Accounts for Minors.......................................................................... 13 Accounts for Guardianships and Estates ...................................... 13 Accounts for Trusts ........................................................................... 14 Business, Organization & Association Accounts ......................... 14 Additional Account Types ........................................................ 14 Uniform Transfer to Minors (UTMA) .............................................. 14 Representative Payee ....................................................................... 14 Agency Account ................................................................................ 15 Fiduciary Account ............................................................................. 15 Attorney Client Trust ........................................................................ 15 Real Estate Broker Client Trust Account ....................................... 15 Government/Municipal/Public Funds Accounts ......................... 16 Fees and Charges ..................................................................... 16 Using Your Checking and Savings Account............................... 16 Deposits ................................................................................................... 16 Accepting Items for Deposit ...................................................... 16 Right to Refuse Deposits ............................................................ 17 Right to Charge Back Deposited or Cashed Items ............... 17 Envelope Depository .................................................................. 17 Deposit Errors and Adjustments ............................................... 17 Early Payday .................................................................................. 18 Notice of Electronic Deposits .................................................... 18 Accrual of Dividends ................................................................... 18 Balance Methods ......................................................................... 18 Balance Computation Method .................................................. 18 Checks ...................................................................................................... 19 Check Processing ........................................................................ 19 Check Orders ............................................................................... 19 Check Copies ............................................................................... 19 Review of Check Images and Signatures ................................ 19 Incomplete, Conditional, Post-Dated, or Stale-Dated Checks ......................................................................................................... 19 Electronically Created Items (ECI) ............................................ 20 Foreign Items, Currency Conversion and Collection Item Processing ..................................................................................... 20 Indorsement Standards .............................................................. 20 Substitute Checks, Indemnified Copies, Images and Image Replacement Copies ................................................................... 21 ATM/Debit Card and Other Access Devices .............................. 22 Using Your Cards .............................................................................. 22 Safeguarding PIN .............................................................................. 24 Debit Card Limits ..................

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This Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other Account opening documents or any subsequent documents provided to You related to this Account (hereinafter collectively referred to as “Agreement”) govern the terms and conditions of this Account.

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