NOTICE IS HEREBY GIVEN for the

42^nd Annual General Meeting

of Members of Windsor Family Credit Union Limited (“WFCU” or “the Credit Union”) that will be held at 6:30 p.m. at the St. Clair College Centre for the Arts in Windsor, Ontario on

TUESDAY, SEPTEMBER 22, 2026

Members will also be able to participate electronically, using a digital meeting platform.

Registration to participate in the 42^nd Annual General Meeting (“AGM”) is now live and will close at 5:00 p.m. on Monday, September 14, 2026.

Members who wish to attend the meeting, either virtually or in person, must register by 5:00 p.m. on Monday, September 14, 2026, to obtain their unique login and voting credentials.

Click here to register

Purpose

The purpose of the AGM is to receive the reports and present the voting results on the following:

the Annual Report of the Board of Directors and President & CEO;
the Report of the Treasurer on the Financial Statements;
the Report of the Independent Auditors on the Summary Financial Statements;
the Report of the Audit Committee;
the Report of the Nominating Committee;
the Appointment of External Auditor;
the Acclamation of Directors;
the Special Business placed before the Members regarding amendments to WFCU’s General Bylaw No. 1; and
to transact such other business as may properly come before an AGM of Members.

All reports will be provided electronically to registered Members in advance of the AGM, and all voting will occur in advance using the online voting platform, Simply Voting.

Voting will open on Wednesday, September 2, 2026, at 9:00 a.m. and close on Monday, September 21, 2026, at 12:00 p.m.

Election of Directors

This year, there are four (4) vacancies on WFCU’s Board of Directors. All positions are for a 3-year term.

The Nominating Committee of the Board of Directors has successfully completed its role in ensuring that there are a sufficient number of applicants to fill the four (4) positions.

The following four (4) Members put forth their application by the deadline of 12:00 p.m. on Friday, June 19, 2026, met the requirements of the Board of Directors Nominations Process, and are being recommended by the Nominating Committee:

Victor (Vic) Neufeld

General Director

Lorraine (Lori) Shalhoub

General Director

Richard Adam

General Director

Patti France

General Director

Members will be asked to receive the Report of the Nominating Committee and to elect the four (4) candidates by acclamation.

Special Business

The Board of Directors will be recommending to the Membership of the Credit Union the following amendments to its General Bylaw No. 1:

Article 2.06 amended to provide clarification of Board discretion in Member expulsion;
Article 3.02 amended to allow the Credit Union’s financial year end to be changed to Dec. 31 by the Board of Directors, at their discretion, in accordance with applicable legislation and regulatory requirements;
Article 3.05 amended to align borrowing limits with the regulatory framework;
Article 3.08 amended to clarify Membership authorization;
Article 4.02 amended to clarify candidate suitability related to Board candidates, to be consistent with the Board of Directors Nomination Process;
Article 4.03 amended to add a transition provision for Executive Directors;
Article 4.04 amended to update the names of documents used in the Board of Directors Nomination Process;
Article 4.08 amended to add the Corporate Secretary to the oversight of the Board election, and to clarify the election process to accommodate both electronic and paper voting;
Article 4.11 amended to add the reference to provincial legislation, Ontario Regulation 105/22 – General Regulation.

By way of a special resolution, the Board of Directors will be recommending the amended WFCU Bylaw No. 1 to the Membership.

Voting will take place online in advance of the meeting, with the results presented to the Membership at the AGM on September 22, 2026. There will be no voting on September 22, 2026.

DATED THE 24th day of August, 2026
BY ORDER OF THE BOARD

Kristina Savi-Mascaro
Corporate Secretary

Notes

The proposed amendments of the Credit Union’s General Bylaw are subject to approval as special resolutions of the Membership of WFCU. A special resolution cannot be amended. A copy of the proposed amendments to Bylaw No. 1 are available in the Member Information Package or by contacting Kristina Savi-Mascaro, Corporate Secretary, at [email protected].
As directed and as stated in the Credit Unions and Caisses Populaires Act, 2020, “the credit union shall make copies of the audited financial statements, the auditor’s report and the audit committee report available for inspection, by any member, at the meeting at which the statements and reports are to be placed before the members and at the offices of the credit union and electronically at least 10 days before the meeting.” Eligible Members wishing to inspect the audited financial statements are asked to contact Kristina Savi-Mascaro, Corporate Secretary, at [email protected] to arrange an appointment to do so.
Members of the Credit Union wishing to vote and attend the AGM must register. However, Members are also provided with the ability to submit a vote, without attending the meeting.
Only Members according to the records of the Credit Union as of August 23, 2026 (the “Record Date” according to the Credit Union’s Bylaw No. 1) shall be entitled to vote at the meeting.