Welcome! We are so excited to show you all that comes with being an Arrowhead member.

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1 October 10, 2018 Dear Member: Welcome! We are so excited to show you all that comes with being an Arrowhead member. Your Ocean Crest Federal Credit Union accounts will transfer to Arrowhead Credit Union on December 1, As we prepare to move your account(s), here are a few helpful tips on what to expect. In the enclosed guide, you ll find all you ll need to know for a smooth transition to Arrowhead, including a Conversion Day Checklist. Three Important Things to Note: 1. You ll be receiving your new account numbers and any new debit card(s) by mid-november. You may begin using your debit card(s) on December 1, 2018 at 7am, once activated. 2. If you have an Ocean Crest Visa, you will be receiving a separate letter from us. If you do not receive it, please contact us at (562) All of your accounts will transfer on December 1, except for your Visa, which will transfer over sometime in January. In the meantime, continue to use your Ocean Crest Visa as usual. 3. Your past statements and transactions will not transfer to Arrowhead s Online Banking. If you think you ll need any past statements from Ocean Crest, please be sure to retain a copy before November 30. After December 1, you can call us to retrieve them if needed. We look forward to serving you, if you have any questions, continue to call the Ocean Crest team at (562) until your accounts move to Arrowhead on December 1. You can also learn more at Sincerely, Robert Martinez Executive Vice President/Chief Operations Officer PO Box 4100 Rancho Cucamonga, CA

2 Welcome to Arrowhead What s Inside Your Welcome Letter Conversion Day Checklist NEW Your New Products Merger Timeline

3 How Are My Accounts Changing? Your Loans Ocean Crest Arrowhead Your Accounts Ocean Crest Arrowhead 1st Trust Deed Real Estate 1st Trust Deed Checking Arrowhead Checking 2nd Trust Deed New or Used Vehicle Loan RV Loan Share-Secured Loan Certificate Secured Fixed Home Equity Loan Auto Loan RV Loan Share-Secured Loan Certificate Secured Regular Share Sub Share Money Market Share Certificate Christmas Club Traditional IRA Share Arrowhead Savings Arrowhead Savings Money Market Share Certificate * * term remains the same Holiday Club Traditional IRA Share Personal Loan Signature Loan Roth IRA Share Roth IRA Share Line of Credit Line of Credit Roth IRA Certificate Roth IRA Certificate * * term remains the same Visa (Classic or Gold) Arrowhead Visa Traditional IRA Certificate Traditional IRA Certificate * * term remains the same What Happens Next? Nov. Your Member Guide, account numbers, and starter checks will be mailed to you. Dec. 1 All of your accounts except your Visa credit card (if you have one) will be transferred to Arrowhead. Nov. Your new debit card(s) will be mailed. Jan. Arrowhead Visa credit card will be mailed to you (if you have one). Nov. If you think you ll need any past statements, be sure to save them before November 30, or call us for a copy. Jan. You can start using your Arrowhead Visa! Keep an eye out for communication about your exact date. Visit arrowheadcu.org/oceancrest to learn more. Federally Insured by NCUA

Conversion Day Checklist Activate Your Debit Card(s) Your card(s) will be mailed mid-november. You can activate your debit card at anytime, but won t be able to use it until December 1, 2018 at 7am.

4 Conversion Day Checklist Activate Your Debit Card(s) Your card(s) will be mailed mid-november. You can activate your debit card at anytime, but won t be able to use it until December 1, 2018 at 7am. Please note: You must continue to use your Ocean Crest debit card(s) through November 30 at 4 pm. Get Your New Account Number Ready You ll be receiving your membership card in the mail mid-november. It will have your new member number, checking account number (if applicable) and routing number. Login to Online Banking/Sign Up for estatements To login to Online Banking for the first time, visit arrowheadcu.org and click on Register in the blue login box. You ll need to enter your new Arrowhead member number, last name, and the address you used with your Ocean Crest account. You ll receive a verification code to verify your account, followed by a temporary password with instructions on how to begin. Set Up Fee-Free Bill Pay Login to Online Banking and select Bill Pay from the menu to set up your bills and payees. Your bills currently set up at Ocean Crest will not transfer. A list of your payees will be mailed with your Member Guide in mid-november to assist you with setting these up in Arrowhead s Online Banking. Download the App The Arrowhead App is available in the App Store SM or Google Play. Set Up Your Debit Card in Your Mobile Wallet December 1, 2018 Add your Arrowhead debit card to your Apple or Android device to securely pay for purchases from your phone or tablet. Reminder: If you have an Ocean Crest Visa credit card, keep using it as normal, your new Arrowhead Visa will be coming in January. Smart Tip Your starter set of Arrowhead checks will arrive before December 1. If you need more, please let us know. Your Ocean Crest checks will continue to work through the transition.

5 Reasons You ll Love Being an Arrowhead Member Mobile App with Mobile Deposit Bank and make deposits from the convenience of your Apple or Android device with the Arrowhead Mobile App. Easy Transfers Transferring money between accounts and to other members is simple in Online and Mobile Banking..org Updated Online Banking New features that will give you more control of your money. Cards in an Instant Need a new debit, credit, or ATM card? We issue cards instantly at our branches. Greater Debit Card Access Make withdrawals and purchases easier with higher point of sale and withdrawal limits on your card. $ Larger Branch Network You ll have access to all Arrowhead branches throughout Southern California, including one in Lomita. More Access to Cash Cash your full paycheck in the branch, no more $300 limits. Cash-in Your Coins A new coin redemption machine is available in the branch. Expanded Call Center Hours M-F 8am - 6pm Sat. 9am - 2pm 24/7 Automated Access By Phone Access account balances or recent transactions anytime. Mobile Wallet Securely pay for purchases using Apple Pay, Google Pay TM, and Samsung Pay. Free Bill Pay Pay your bills from Online Banking at no charge. Always Happy to Help (800) arrowheadcu.org/oceancrest For questions about your Ocean Crest accounts, please call (562)

6 No Hidden Fees A straightforward look at our fee-free and fee-based services. Included Services with Membership Arrowhead Checking - No Monthly Fee with estatements Bill Pay with Unlimited Payments Debit Card Access (daily limits apply) No-Fee Incoming Wire Transfers Unlimited ATM Transactions at Arrowhead/CO-OP Locations 1 Arrowhead Visa Cash Advances Arrowhead Visa Transfers Online Check Images Copy of a Check (2 per statement period) Members-Only Discounts with Retailers Coin Redemption Machines Online Banking Mobile Banking Mobile Deposit Account Alerts Transfers Between Arrowhead Accounts Other Services That May Include Fees MEMBERSHIP Membership Fee (one-time only, does not apply to merged members)...$5 each Membership Re-Open Fee (Within 30 days)...$10 each Locator Fee (Address Correction)... $1/year Inactivity Fee (after 12 months inactive)...$2/month SAVINGS ACCOUNTS (not required for membership) Maintenance Fee... $3/month Fee will not be charged if: Average daily balance is $300 or greater in this account, or At least one monthly automatic or electronic deposit of $25 or more, or Member is age 17 and under or age 60 and above HOLIDAY CLUB ACCOUNT Withdrawals between November 1 and December 31...Free Withdrawals during first 7 days after the account is opened...free Withdrawals between January 1 and October 31...$10 each SPECIAL OCCASION SAVINGS ACCOUNT Withdrawals (1 free per month)... $10 each MONEY MARKET PLUS ACCOUNT Maintenance Fee...$10/month (Charged if daily ending balance goes below $2,500) CHECKING ACCOUNTS Arrowhead Checking...$5/month (Waived with estatements or average balance of $50,000 or more) Dividend Checking...$10/month (Waived if average balance is $2,500 and above) Access Checking...$5/month Photocopy of Check (2 free per statement period)...$2 each Counter Checks... $2/set or $.50 each Non-Machine Readable Checks...$3 each STOP PAYMENT CU-Hear, Online Banking...$20 each In Person, Mail, Call Center.....$26 each COURTESY PAY / NON-SUFFICIENT FUNDS (NSF) / and UNCOLLECTED FUNDS (UCF) ITEMS Courtesy Pay / Non-Sufficient Funds (NSF) and Uncollected Funds (UCF) Items... $31 each When the available balance in your account is not enough to pay an item, we may return or Courtesy Pay the item and charge the $31 fee. Items may include but are not limited to: Checks, Automated Clearing House (ACH), Priority Payments, Electronic Funds Transfer (EFT), Bill Payments, Automated Teller Machine (ATM),* Point of Sale (POS),* Visa Debit Card Transactions* and/or other preauthorized transactions. *Courtesy Pay Fees for ATM, POS, and Visa Debit Card items only apply for members who have opted-in for Courtesy Pay. Courtesy Pay Fee Limt A maximum of 5 Courtesy Pay fees can be charged in a day per share account. Items that exceed the limit of 5 may still be paid and no fee will be assessed. Overdrawn Account No Courtesy Pay Fee is charged if your ending account available balance is overdrawn less than $5.00. Non-Sufficient Funds (NSF) Fees There is no limit to the number of Non-Sufficient Funds (NSF) fees charged in a day. Overdraft Protection Transfer Fee...$3 each RETURNED ITEMS Returned Items...$10 each Items include Checks, Automated Clearing House (ACH), Priority Payment, Electronic Funds Transfers (EFT), Bill Payments and/or other electronic means. Fee applies to any item returned as not payable regardless of the reason, maker, location or how the item was processed. WIRE TRANSFERS Domestic Outgoing...$30 each ONLINE BILL PAYMENT Stop Payment Fee...$26 each Photocopy of Bill Payment Checks...$2 each ELECTRONIC ACCESS CARD Replacement of ATM, Visa Debit or Credit Card...$5 each ATM Transactions at Non Arrowhead/Non CO-OP ATMs 1 $3 each...withdrawals Transfers, Inquiries...Free Point of Sale (POS) Transactions 1... Free Empty Envelope Deposit...$26 each Deposit Item Returned Non Arrowhead ATMs...$20 each Deposit Correction Non Arrowhead ATMs...$5 each Verification of ATM Transaction...$3 each (Plus fee charged by ATM owner/operator) Visa International Service Assessment (ISA) Fee...1% of amount MISCELLANEOUS Cashier s Check (Payable to third party)...$5 each Photocopy of Cashier s Check...$2 each Lost, Stolen or Destroyed Cashier's Check or Money Order...$26 each Money Order... $3 each Loan Payments by Phone (Credit/Debit Card, ACH)... $3 each Deposits by Phone (ACH)...$3 each Deposit of Coin... Free Non-member Cashing Checks Drawn on Arrowhead Account...$5/check Collection Items (Incoming or Outgoing)...$15 each (Plus any fees charged by third party) Account History Print Out...$3/month Photocopy of Statement...$5 each Verification of Deposit...$5 each Account Information Letter...$5 each Immigration Letter...$25 each Unclaimed Property Notification...$2 each Response to Subpoenas...$20/hr. ($20 minimum) (Additional 0.10 per copy, plus fees charged by third party) Levies: IRS, State, Marshall, etc...$30 each Research/Account Reconciliation...$25/hr. ($25 minimum) (Plus any fees charged by third party) Fax Services...$3 first page/ $1 each additional Photocopy Services...$.50/page Notary Fee...$10/signature Fees are subject to change, at any time, without notice unless required by regulation. For current fees call (800) or visit arrowheadcu.org. 1 Additional fees may be charged by the owner/operator of the ATM or POS and will be disclosed at the time of transaction.

7 Deposit Accounts Effective Date: October 1, 2018 CHECKING ACCOUNTS CHECKING TYPE MIN. TO OPEN Arrowhead Checking $25 Teen Debit $25 Dividend Checking $100 Hometown Heroes $0 SAVINGS ACCOUNTS $ $ % $100 - $1, % $2,000 - $4, % $5,000 and above 0.15% to maintain DIVIDEND CHECKING $ $2, % $2,500 - $24, % $25,000 and above 0.08% Term RETIREMENT BUILDER $10 - $1, % $10 minimum opening deposit and balance to maintain IRA SAVINGS (Traditional or Roth) $100 and above 0.35% $100 minimum opening deposit and balance to maintain IRA CERTIFICATES (Traditional or Roth) $1,000 $25,000 $100, months APY % 0.35% 0.40% 24 months APY % 0.50% 0.55% 36 months APY % 0.65% 0.70% 48 months APY % 1.00% 1.05% 60 months APY % 1.35% 1.40% Term MONEY MARKET $ $24, % $25,000 - $99, % $100,000 and above 0.30% $2,500 minimum opening deposit and balance to maintain HOLIDAY CLUB 22 /SPECIAL SAVINGS $0.01 and above 0.05% $10 minimum opening deposit and balance to maintain SHARE CERTIFICATES $1,000 $25,000 $100,000 6 months APY % 0.25% 0.30% 12 months APY % 0.30% 0.35% 24 months APY % 0.45% 0.50% 36 months APY % 0.60% 0.65% 48 months APY % 0.95% 1.00% 60 months APY % 1.30% 1.35% 1 APY is Annual Percentage Yield. Dividends paid when average daily balance for the month is met. Certificates subject to early withdrawal fee. Agreements and Disclosures available at a branch. This is not a complete disclosure. Programs and rates are subject to change daily without notice. 2 Holiday Club account requires a minimum monthly $10 deposit by direct deposit or automatic transfer. Federally Insured by NCUA

Your Membership Card At Arrowhead you have a member number, which you use anytime you call Arrowhead or login to Online Banking.

Your Membership Card At Arrowhead you have a member number, which you use anytime you call Arrowhead or login to Online Banking. Welcome to Arrowhead We are happy to have you as a member. Your accounts will officially convert from Harbor Area Postal Employees Federal Credit Union to Arrowhead on May 1, 2018. Your Membership Card