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1 personal accounts

2 personal services membership equity shares All fully-qualified members of Interior Savings must hold five Membership Equity Shares, each of which has a par value of $1.00. When redeemed or transferred, they will be purchased for $1.00 per share. Equity shares are not protected by the Credit Union Deposit Insurance Corporation of British Columbia. Their strength lies solely on the success of Interior Savings. Dividends paid on Membership Equity Shares are prescribed by the Board of Directors. plan24 and tax savings Plan24 and Tax Savings accounts are for members who want to maintain moderate or low balances in a separate account. They are ideal for members who have only a few transactions per month. Number of withdrawals included per month 2 Assisted-service withdrawals In-branch withdrawals, transfers, cheques etc Self-service withdrawals* $1.00 each $0.50 each Canadian credit union ATM withdrawals Free EXCHANGE and Interac ATM withdrawals in Canada $1.75 each US and International ATM withdrawals $2.00 each investment savings Investment Savings is a tiered, high-interest savings account for members who maintain high balances. This account does not allow Interac or ATM transactions. Interest is calculated daily and paid monthly on all funds in your account, not just on the money that falls within an interest rate tier. t-bill savings T-Bill Savings is a tiered savings account for members who maintain large balances and conduct few transactions. Interest is calculated daily and paid monthly on all the funds in your account, not just on the money that falls within an interest rate tier. Number of withdrawals included per month* 5 Withdrawals, transfers, pre-authorized debits, Interac Direct Payment etc. Number of transfers included per month** 2 Over limit transfers. Withdrawals $1.25 each Canadian credit union ATM withdrawals Free EXCHANGE and Interac ATM withdrawals in Canada $1.75 each US and International ATM withdrawals $2.00 each * Withdrawals at any Credit Union ACCULINK ATM in Canada, MemberDirect and Plus account withdrawal fees if over transaction limit * Excludes EXCHANGE, Interac, US, and International ATM withdrawals ** Valid only on transfers within Interior Savings Credit Union Plus account withdrawal fees if over transaction limit

3 chequing total service packs Effective October 1, 2012 total service packs We offer a variety of chequing accounts to meet our members needs. All accounts include an electronic statement with electronic cheque images. 10 Pack 25 Pack 50 Pack Unlimited $4.00 $7.00 $10.00 $13.00 Minimum monthly balance Not available Not available $2,000 to waive the monthly fee Not Available Number of withdrawals included per month* ** Unlimited Over limit transactions $0.65 each Unlimited Canadian credit union ATM withdrawals Free EXCHANGE & Interac ATM withdrawals in Canada $1.75 each US and International ATM withdrawals $2.00 each Bill payments Electronic statement with electronic cheque images Optional paper statement with cheque images Standard travellers cheques Commission free Drafts Safety deposit box $10.00 discount MemberDirect & Design are trademarks owned by Credit Union Central of Canada, used under license. Trademark of Interac Inc. The Credit Union is an authorized user of the Trade Mark. THE EXCHANGE is licensed for use in Canada by FICANEX Services Limited Partnership. * Excludes EXCHANGE, Interac, US, and ** If you maintain a minimum monthly balance of $2,000, your monthly fee is waived and you will receive 50 free transactions per month. Plus account withdrawal fee if over transaction limit. Canadian and US drafts only.

4 young adult & youth packages MyChequing account If you are between the ages of 18-24, here s a chequing product that will be great for your way of banking. You will receive The Total Service Unlimited Pack account at a discounted rate of $5.00 per month. An electronic statement with electronic cheque images is included. Includes the Total Service Unlimited Pack (normally $13.00 per month) Number of withdrawals included per month Canadian credit union ATM withdrawals EXCHANGE and Interac ATM withdrawals in Canada US and International ATM withdrawals Bill payments Electronic statement with electronic cheque images Optional paper statement with cheque images $5.00 Unlimited* Free $1.75 each $2.00 each fat cat & youth packages Our Fat Cat Package is the fun way for kids up to age 12 to save and learn how to manage money. You will receive The Total Service 50 Pack Account for free, which may be applied to your choice of either a Chequing or Plan24 Savings account. The Youth Package offers all the benefits of the Fat Cat Package, but it is designed for youth members age Includes the Total Service 50 Pack (normally $10.00 per month) Number of withdrawals included per month 50* Assisted-service withdrawals In-branch withdrawals, transfers, cheques etc. Cleared cheques Self-service withdrawals* Plan24: $1.00 each $0.65 each Plan24: $0.50 each Canadian credit union ATM withdrawals Free EXCHANGE and Interac ATM withdrawals in Canada $1.75 each US and International ATM withdrawals $2.00 each Bill payments Electronic statement with electronic cheque images Optional paper statement with cheque images * Withdrawals at any Credit Union ACCULINK ATM in Canada, MemberDirect and * Withdrawals at any Credit Union ACCULINK ATM in Canada, MemberDirect and Plus account withdrawal fee if over transaction limit

5 US services & senior package US chequing Withdrawals, transfers, cheques etc.* Electronic statement with cheque images Paper statement with cheque images US investment savings $0.75 each *** *** US Investment Savings is a tiered, high-interest savings account for members who maintain high balances. This account does not allow Interac or ATM transactions. Interest is calculated daily and paid monthly on all funds in your account, not just on the money that falls within an interest rate tier. senior package The Senior Package is the exclusive package for members age 60 and over. You will receive The Total Service 50 Pack account for free. The Senior Package may be applied to either a chequing account or a Plan24 Savings account, on one account only. Includes the Total Service 50 Pack (normally $10.00 per month) Number of withdrawals included per month Assisted-service withdrawals In-branch withdrawals and transfers 50 Plan24: $1.00 each Cleared cheques Over limit: $0.65 each Number of transfers included per month** 2 Over limit transfers. Withdrawals * Excludes EXCHANGE, Interac, US, and ** Valid only on transfers within Interior Savings Credit Union *** If member also holds a Canadian chequing account that includes statement and cheque images. Self-service withdrawals Plan24: $0.50 each Canadian credit union ATM withdrawals Free EXCHANGE and Interac ATM withdrawals in Canada $1.75 each US and International ATM withdrawals $2.00 each Bill payments Electronic statement with cheque images Optional paper statement with cheque images Withdrawals at any Credit Union ACCULINK ATM in Canada, MemberDirect and Plus account withdrawal fees if over transaction limit. Canadian and US drafts only. Drafts Standard travellers cheques Commission free Safety deposit box $10.00 discount

6 anytime, anywhere banking built around you At Interior Savings, we re always striving to make your banking experience with us even better. And that s why we re pleased to offer our easy-to-use Online & Mobile Banking options. Simply sign-in from your computer or mobile device and conveniently access your accounts, transfer funds, purchase travel insurance, pay bills, and so much more. And just as nice, Online & Mobile Banking is completely FREE!* security you can trust We use a high standard of authentication and encryption technology to protect your privacy, and safeguard your sensitive financial information. You ll enjoy the convenience you want, while getting the industry standard security you need - anytime, anywhere. Learn more about our Online & Mobile Banking security at: online banking Here s a snapshot of the convenient online banking options that are available to our valued Interior Savings members like you: Sign-up for Online Banking It s easy and quick to sign-up for online banking without needing to visit your branch. Everyday Banking In just a few clicks and keystrokes, set-up and edit money transfers, pay bills, order cheques, make RRSP and Tax Free Savings Account contributions, make payments on your mortgage and loans, exchange currency, and more. It s everyday banking right at your fingertips! Open Accounts and Term Deposits Open up some of our most popular accounts and term deposits. Plus, instantly fund new account(s) from your existing accounts. INTERAC E-Transfers Send money in minutes to anyone with an account at a Canadian credit union or bank. It s the ideal alternative to cheques and cash. Plus, you re transfer is secure, and private financial data is never sent by or text. Me-to-Me Transfers Allows you to transfer funds between your Interior Savings accounts and your accounts at other Canadian banks or credit unions. *see us for details RRSP & Tax Free Savings Account Contributions Contribute regularly by setting up automatic deposits into a savings account. Change your Address Moving? Sign-in and update us with your new address. Receive e-statements Enjoy a higher lever of convenience with e-statements where all your account and financial information is at your finger tips. Access up to seven years of account history. Purchase Travel Insurance Planning a trip? Easily purchase travel insurance to get the protection you need while you are away from home. Get a Home Insurance Quote We ll be happy to provide you with a competitive quote to protect your most valuable asset: your home. mobile banking We also offer a range of convenient and secure mobile banking options. Enjoy the convenience of: Mobile Web View your account history, pay bills, transfer funds, schedule bills and transfers, find a nearby branch or ATM, get the latest rates, and access small business online banking. Mobile Alerts Receive text message or notifications about events that have occured in your account(s). It s a great security tool! Text Banking Check your account balances, view recent transactions on your accounts, and use simple text messaging commands to access your accounts. Mobile App Optimized for iphone, ipod Touch and ipad devices and gives you access to your money anytime, anywhere. social media Join us on Facebook where we will provide you with the latest financial tips, tools and information. Follow us on Twitter and keep up to date on all the great community events we have going on in our regions. Visit us on YouTube for the latest financial videos. /interiorsavings

7 branch locations other services Ashcroft Barriere Chase Clearwater Lillooet Merritt Kamloops Lansdowne Branch Summit Branch Tranquille Branch Valleyview Branch Kelowna Glenmore Branch Kelowna Branch Mission Branch Orchard Centre Branch Rutland Branch Lake Country Okanagan Falls Oliver Osoyoos Vernon West Kelowna Member Service Centre Online and Mobile Banking Commercial Services Centres Kamloops Kelowna Telephone Banking Kelowna ISCU (4728) Toll free outside Kelowna area ISCU (4728) Join our online communities: facebook.com/interiorsavings twitter.com/interiorsavings youtube.com/interiorsavingscu MK313-10/12

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