Click the link below to view a copy of the system transition guide sent to all members.

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Thank you for your valued credit union business and your decision to protect your loan(s) with a payment protection product. This letter is to inform you that your protection under Members 1st Credit Union is being transitioned to Rogue Credit Union's MEMBER'S CHOICE™ BORROWER SECURITY Contract effective July 1, 2026. Claims for any protected events that occur before this date will be processed under the current Members 1st Credit Union's Wealth Protection Program Contract terms and conditions. The protection type you previously elected will continue under the new terms and conditions.

The protection type you previously elected will continue under the new terms and conditions. Claims submitted to activate protection for protected events that occurred on or before June 30, 2026, will be processed according to the terms of the protection then in force.

It is important to review the summary table(s) below and the new MEMBER'S CHOICE™ BORROWER SECURITY Contract (Member Agreement) to make sure you completely understand your protection. The enclosed Member Agreement replaces the current Agreement you have.

All terms, conditions and exclusions of the new Member Agreement will be effective July 1, 2026.

There is no action required, and you do not need to sign or return the Member Agreement to continue protection. However, remember that protection is optional, and you can cancel at any time. If you have any questions, please contact us at the phone number listed below.

Option Name Changes:

We have updated the names of the available MEMBER'S CHOICE™ BORROWER SECURITY Options.

Current Option Name	New Option Name as of July 1, 2026
Platinum	LifePlus Disability Involuntary Unemployment
Gold	LifePlus Disability
Silver	LifePlus

Program Fees Changes:

The fee(s) below will be applied monthly to protected loans up to the Member Agreement maximums. An increase in fee could result in a higher last loan payment, a higher monthly payment, or may extend the duration of the loan.

Loan Type and Package Option	Program Fee per $100 of Monthly Outstanding Loan Balance		Change Impact
	through June 30, 2026	as of July 1, 2026
Consumer Loans: LifePlus Disability Involuntary Unemployment	$0.477	$0.399	Decrease
Consumer Loans: LifePlus Disability	$0.351	$0.299	Decrease
Consumer Loans: LifePlus	$0.090	$0.129	Increase
Credit Cards: LifePlus Disability Involuntary Unemployment	$0.477	$0.399	Decrease
Credit Cards: LifePlus	$0.099	$0.129	Increase

Summary of Program Changes:

The new program features (terms, conditions and/or exclusions) will be applied to all protected loans on the effective date of the change. For complete details of any changes, please refer to the enclosed Member Agreement.

Program Feature	What the Change Means to You	Section in the Enclosed Member Agreement to Reference for More Information
LifePlus	The maximum protection amount has decreased for Credit Cards to $75,000. The maximum protection amount for Consumer Loans has not changed and remains at $100,000.	PROTECTED EVENTS, LifePlus, page 2
Disability & Involuntary Unemployment	After You have satisfied the waiting period and beginning with the 1st day of your Disability and/or Involuntary Unemployment, we will cancel a minimum of 1 scheduled monthly payment(s). Thereafter, we will continue to cancel Your scheduled monthly payment for each 30 days, consecutive or non-consecutive, that You are Disabled and/or Involuntary Unemployed, up to a maximum of (a) 12 months or (b) $12,000 for Disability and (a) 3 months or (b) $3,000 for Involuntary Unemployment.	PROTECTED EVENTS, page 3

We understand you may have questions regarding this new payment protection program, about how this affects your loan, or about changing your monthly payments. Feel free to call us at (800) 303-3838 and we will be happy to help.

Sample Consumer Agreement
Sample Credit Card Agreement

Read the Consumer Account Mapping Letter or Business Account Mapping Letter sent to all respective Members 1st accounts.

Read the Credit Card Change in Terms Notice sent to all credit card holders.

Our system transition is scheduled for June 26–29, 2026. It will bring several exciting updates, including new technology, improved security and more.

Here’s what you can expect right now:

• Account numbers: Account numbers will be familiar. Your account number, or your account number and suffix, will be used for your corresponding accounts.
• Routing number (321174738): No immediate changes.
• Debit and credit cards: No immediate changes. Continue using your cards, both before and after the system transition.
• Checks: No immediate changes. Keep using your existing checks and reorder them as needed.

Next Steps

To ensure you receive important updates, please take a moment to review your contact information.

• Confirm your contact information: Check your email address, phone number and mailing address by logging into Online Banking or reviewing your statements.
• Make updates if needed: Update your information in Online Banking, the Mobile Banking app or by calling 530.222.6060.

To make the upcoming system transition as smooth as possible, some Members 1st debit and credit cards are being reissued earlier than expected.

If your card is set to expire in June or July, your new card will arrive by mail between mid-April and early May.

What to Expect

• You’ll receive a new, Members 1st-branded card by mail
• Your new card will replace your current card
• Once it arrives, please activate it and use it as you normally would

Activate Your Card

For the best experience during the system transition, please activate your new card by June 15, 2026. Once activated, your card will work normally, both before and after the system transition.

We’re Here to Help

If you have questions or need help activating your card, please contact us.

• Before June 15: Call Members 1st Credit Union at 800.303.3838
• After June 15: Call Rogue Credit Union at 800.856.7328