Is Central 1 down?

Please be advised, there was a service outage on Interac e-Transfer 3.4 from 3:56 to 4:06 pm PT (6:56 pm to 7:06 pm ET). Your customers may have seen a timeout or error during this time when trying to send or manually receive e-Transfers. Central 1 Support - [email protected] | 1.888.889.7878 (press 1)

Central 1 has identified that multiple credit unions are missing their ORPI cheque return reports this morning dated for 01/09/2026. Our technical team is currently investigating the issue. At this time, we have confirmed that the reports are not available via SFTP for affected clients. We will provide our next update by 12:00 p.m. PT (3:00 p.m. ET), or sooner if additional information becomes available. Central 1 Support - [email protected] | 1.888.889.7878 (press 1)

Central 1 has resolved the issue affecting ORPI cheque return reports. The impacted ORPI files have been regenerated and successfully transferred for delivery. Clients should note that the affected cheque return records will be included in tomorrow's MERG file. If you continue to experience issues accessing your ORPI report or believe records are missing after tomorrow's MERG file is received, please contact Central 1 Support with examples for investigation. Central 1 Support - [email protected] | 1.888.889.7878 (press 1)

Central 1 is aware of an issue that has temporarily caused User Management Security Officers and Business User Admins to lose their access privileges today. Our team has identified the root cause and is actively working to restore the affected permissions. At this time, regular users are not affected and can continue using the system as usual. If you require any urgent user access changes while Security Officer privileges are unavailable, please get in touch with our Support team, and we will work with you to address those requests. We will provide our next update by 10:00 a.m. PT (1 p.m. ET) on August 14, 2026, or sooner if the issue is resolved. We apologize for any inconvenience and appreciate your patience as we work to resolve this issue. Central 1 - [email protected] - 1.888.889.7878 Option 1

We are continuing to work on a fix for this issue.

As a follow-up to our previous notification, we would like to provide additional clarification regarding this incident. The issue is related to a delay in a background synchronization process. While Security Officers and MemberDirect Business User Administrators can continue to grant application permissions through User Management (UM) or MDB User Admin (BUA), and those changes appear to complete successfully, the corresponding permission updates are not currently being synchronized as expected. This delay does not affect: * Password changes, which take effect immediately. * Changes to a user's Active/Inactive status, which also take effect immediately. We anticipate the synchronization process will catch up by the end of the weekend. Once synchronization has been fully restored, any permissions granted yesterday, today, or over the weekend will be applied and reflected in users' accounts. We will provide our next update by 10:00 a.m. PT (1 p.m. ET) on August 17, 2026, or sooner if the issue is resolved. We apologize for any inconvenience this may cause and appreciate your patience.

We are actively working to finalize the planned synching updates for the User Manager (UM) and Business User Administrator (BUA) tool. While progress is being made, the implementation is taking longer than expected. We sincerely apologize for any inconvenience this may cause and appreciate your understanding. If you have an urgent request, please reach out to Support for immediate assistance. We will provide our next update by 10:00 a.m. PT (1 p.m. ET) on August 18, 2026, or sooner if the issue is resolved. Central 1 - [email protected] - 1.888.889.7878 Option 1

After thorough investigation and remediation efforts, this incident has been resolved. User Management (UM) Security Officer and Business User Administrator (BUA) permissions have been fully restored, and the synchronization process is now operating as expected. Any pending permission updates have been successfully processed and reflected in user accounts. We sincerely apologize for any inconvenience this issue may have caused and appreciate your patience and understanding while we worked to restore service.

We are currently investigating a potential issue impacting Central 1’s Remote Deposit Capture (RDC) error or mobile deposits. At approximately 9:30 a.m. PT (12:30 p.m. ET) we observed an increase in RDC errors. At this time, we are working to validate scope and confirm whether customer impact is present. We will provide an update within 1 hour or sooner as more information becomes available. Central 1 - [email protected] - 1.888.889.7878 Option 1

Central 1 has confirmed that a service interruption impacted Remote Deposit Capture (RDC) between 2:05 a.m. PT and 10:13 a.m. PT (5:05 a.m. ET and 1:13 p.m. ET) on August 11, 2026. The disruption lasted approximately 8 hours and 8 minutes. During this period, members may have experienced errors when attempting to submit mobile cheque deposits through participating financial institution applications utilizing Central 1's RDC service. Service was fully restored at 10:13 a.m. PT (1:13 p.m. ET), and we continue to monitor the platform to ensure ongoing stability. A root cause analysis is being prioritized and will be completed as part of our standard incident management process.

**Postmortem: INC226099 – Mobile Remote Deposit Capture \(mRDC\) Service Interruption** On August 11, 2026, between 2:05 a.m. and 10:13 a.m. PT \(5:05 a.m. and 1:13 p.m. ET\), the Mobile Remote Deposit Capture \(mRDC\) service experienced an interruption, preventing members from successfully submitting mobile cheque deposits. During this period, deposit requests could not be processed due to a loss of connectivity between the mRDC application and supporting data services. **Point of Failure** As part of a database governance and standardization initiative, database service account permissions were updated to align with enterprise standards. This change exposed an undocumented user privilege dependency within the mRDC environment where the application access relied upon a legacy access permission for a service account. **Resolution** The team restored service by re-establishing the required database permissions and restarting the affected application, restoring connectivity and allowing deposit processing to resume. Once service was recovered, queued transactions were processed, and normal member activity resumed. While these actions resolved the immediate service interruption, the incident highlighted opportunities to strengthen platform resiliency and change validation processes. Central 1 has initiated a series of corrective measures to reduce dependency on legacy configurations, improve monitoring and alerting capabilities, strengthen change controls, and enable faster operational recovery should a similar event occur in the future. **Corrective Actions \(PRB011762\)** * Document and enhance the database user governance change process, including validation and testing requirements. – In Progress * Review remaining databases for legacy access dependencies and remediate where required. – In Progress * Implement post-change reviews of SQL Server logs to identify access and authentication issues immediately following user governance changes. – Complete * Enhance monitoring and alerting for RDC transaction failures and abnormal transaction patterns. – In Progress * Require all database user governance changes to be executed through the formal Change Management process. – Complete * Implement monitoring for RDC deposit confirmation transactions. – In Progress We sincerely apologize for the disruption and the impact this incident had on your members and operations. We appreciate your patience and understanding while services were restored and thank you for your continued partnership Liz Ackroyd Manager, Client Support Services [[email protected]](mailto:[email protected]) | 905.301.1337

*** This notice is for credit unions who have Everlink as their switch provider. *** Please be advised that Everlink has suspended processing of new INT network POS and SCD traces. This includes trace follow-up requests for the INT network, due to a technical issue within the Everlink processing stream. The issue has been escalated with Everlink and their settlement agent, PPJV, and we are actively working with them toward resolution. There is no impact to POS and SCD trace processing for other networks, including ME2, ME3, and CI3. Further updates will be provided as more information becomes available. Central 1 - [email protected] - 1.888.889.7878 Option 1

*** This notice is for credit unions who have Everlink as their switch provider. *** Everlink has resolved the issue affecting INT network POS and SCD trace processing, and credit unions may now resume submitting new INT network POS and SCD trace requests. Follow-up requests for previously submitted INT network traces will be completed after September 10, once PPJV has cleared the backlog of new trace requests. Thank you for your patience while this issue was being addressed. Central 1 - [email protected] - 1.888.889.7878 Option 1