IDProtect Enhanced Service

Important Fee & Benefits Notice

IMPORTANT CHANGES TO IDProtect® SERVICE (Effective Date: 8/3/2026)

IDProtect identity theft protection service is being enhanced with valuable new benefits. Please review the important information below regarding these improvements and associated fee changes.

NEW MONTHLY FEE

Your Account Type	Current Fee	New Fee 9/1/2026
Monthly Paying Members	$4.00 per month	$5.00 per month
Loan Product Holders	FREE (Complimnetary)	FREE (While loan is active)
After Loan Payoff	$4.00 per month	$5.00 per month (auto-continues unless you cancel)

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SIX POWERFUL NEW BENEFITS ADDED TO YOUR SERVICE

In addition to all your existing identity theft protection, you now receive:

New Benefit	Description
Cyber Recovery	Access to dedicated cyber advocate to assist with cyber issues such as ransomware, extortion, cyberbullying, phishing, virus or malicious software removal, social media cleanup and data restoration and more.
Credit Score Simulator	Interactive tool to see how financial decisions impact your credit score before you make them
Dark Web Monitoring	Continuous scanning of dark web sites for your personal information with instant alerts
Cellular Telephone Protection	Up to $400 of replacement or repair costs if cell phone stolen or damaged; up to two claims per benefits program enrollee per twelve-month period; $50 deductible’ covers up to four phones listed on the cellular telephone bill. (Cellular telephone bill must be paid through a Quest FCU account.)
Roadside Assistance	24-hour emergency roadside assistance services
Telehealth Plan	Access to telemedicine and teletherapy services provided by board-certified physicians and licensed mental and behavioral health professionals through online health portal, and discounts on prescriptions and lab testing. (cover is available for the Benefits Program Enrollees only)

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YOUR COMPLETE PROTECTION PACKAGE

Identity Theft Protection:

• Up to $10,000 Identity Theft Expense Reimbursement Coverage
• Fully Managed Identity Theft Resolution Services with dedicated fraud specialists
• Daily credit file monitoring and automated alerts of key changes to credit reports
• Identity monitoring of 1,000+ databases and public records
• NEW: Dark Web Monitoring

Credit & Financial Tools:

• Single bureau credit reports and credit score
• NEW: Credit Score Simulator

Technology & Lifestyle Benefits:

• NEW: Cyber Recovery Assistance
• NEW: Cellular Telephone Protection
• NEW: 24/7 Roadside Assistance
• NEW: Telehealth Plan Access

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WHAT YOU NEED TO DO

IF YOU CURRENTLY PAY MONTHLY, you may

• CONTINUE ENHANCED SERVICE (No Action Required)
  The new fee of $5.00 per month automatically takes effect on 9/1/26. You’ll enjoy all enhanced benefits listed above starting 8/3/26.
• CANCEL SERVICE
  Contact us by 8/31/26 to cancel and avoid the new fee:
  • Phone: 1-800-333-9571
  • In Person: Visit any Quest Federal Credit Union branch

IF YOU HOLD A LOAN PRODUCT WITH US:

• WHILE LOAN IS ACTIVE
  Your IDProtect service remains complimentary (FREE). All new benefits are included at no cost to you.
• CANCEL SERVICE
  Your enhanced service continues automatically at $5.00 per month unless you choose to cancel.

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QUESTIONS OR NEED ASSISTANCE?

Quest Federal Credit Union

Phone: 1-800-333-9571 | Website: https://questfcu.com | Visit any branch location

IDProtect Benefits Center

Phone: 1-877-610-7889 | Hours: M-F, 8:30 AM – 5:00 PM EST

24/7 Emergency Support

Lost/Stolen Cards & Roadside Assistance: 1-877-610-7889

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IMPORTANT REMINDERS

• Canceling IDProtect does not affect your membership account, or other credit union services
• Loan holders: Service remains free while loan is active – no action required
• You can cancel anytime with no penalty
• All benefits are available to you, joint account owners, and eligible family members*

Thank you for being a valued member of Quest Federal Credit Union. We’re committed to providing you with comprehensive protection and valuable benefits.

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* Eligible Family Members include spouses, persons qualifying as domestic partner, children under 25 years of age, and parent(s) of the account holder who are residents of the same household. Complete terms, conditions, and exclusions available in your IDProtect Benefits Guide. Insurance products are not insured by the NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.

From the CEO’s Desk

Hello, my name is Matt Jennings, and I am the Chief Executive Officer of Quest Federal Credit Union, and I hope this letter finds you all well.

On March 14th, we gathered at The Syndicate in Bellefontaine for our annual business meeting. Attendance was very strong and as you can imagine, The Syndicate didn’t disappoint with breakfast. Sarah Wirbel, Board President lead the meeting and gave a brief updated on accomplishments in 2025. Cam Hemmerly, Board Treasurer gave the annual financial update, reporting on multiple strong financial performance indicators. Brandon Ramge, Chair of the Nominating Committee reported on the 2025/2026 election cycle followed by my presentation on goals accomplished, including the Grand Opening of our Carey Branch on March 5th. I also had the pleasure of presenting service awards to the board and staff. Celebrating service awards this year were Maria Castle and Kerri Schlatter for 5 years, Kelly Teynor and Jordan Temple for 10 years, Emily Archer and Crystal Linville for 15 years, Sarah Wirbel for 20 years, Shannon Allmon and Beth Delong for 25 years and Jennifer Nelson for 30 years. I congratulate all of the service award recipients and genuinely thank them for their incredible contribution to our credit union. All of this information including even more data can be found in our 2025 Annual Report. To receive a copy, either stop by one of our convenient branch locations or give us a call and we can email you a copy.

A quick financial update, Quest finished the year strong holding $236m in assets with $151m in loans. Our net worth ratio is at a healthy 8.60% with our year-to-date return on assets of 0.42%, which will build as we go through the year. We have 16,917 member owners and are looking forward to adding to this total as we head into 2026.

If you have not already, please check out our Exploration Podcast series which you can find on our website or by visiting the podcast app on your smart phone and searching Quest Exploration. We have built a robust library covering many topics that you may find of interest or that can be used for self help for such things as online banking, learning how to apply for loans, student loans and much more.

Listen to Exploration!

In closing, thank you for your patronage, and the Board of Directors and Staff would like to wish you all the best. We view Quest as a big family, and we are here to help! Thank you and I welcome any comments, suggestions or questions from our member owners. I can be reached by calling the Main Office or via email at mjennings@questfcu.com. Thank you for your loyal patronage to Quest and I challenge you to Explore the Possibilities!

Matt Jennings, Chief Executive Officer