service charges chequing account fees personal savings accounts Effective October 1, 2012 Senior Package (ages 60+)

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2 Effective October 1, 2012 chequing account fees All chequing accounts include an electronic statement with cheque images. Optional paper statement with cheque images are $3.00/month. Over limit transaction fee $0.65 Total Service 10 Pack $ withdrawals per month* Total Service 25 Pack $ withdrawals per month* Total Service 50 Pack $ withdrawals per month* monthly fee waived and includes 50 free transactions* if minimum monthly balance exceeds $2,000 free Canadian and US drafts $10.00 safety deposit box discount Total Service Unlimited Pack $13.00 unlimited withdrawals per month* free Canadian and US drafts $10.00 safety deposit box discount *Excludes THE EXCHANGE, Interac, US, and International ATM withdrawals. 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. Senior Package (ages 60+) available on either a chequing or Plan24 Savings Account members receive the Total Service 50 Pack Account for free MyChequing for young adults age members receive the Total Service Unlimited Pack account at a discounted rate of $5.00 per month Fat Cat (ages 0-12) & Youth (ages 13-17) Packages for members aged 17 and under available on either a chequing or Plan24 Savings account members receive the Total Service 50 Pack Account for free US Chequing withdrawals, transfers, cheques etc. $0.75 each personal savings accounts Investment Savings 2 free transfers per month* over limit transfers, and any withdrawals, $5.00 each T-Bill Savings 5 free withdrawals per month** over limit withdrawals, transfers, etc. $1.25 each Plan24 and Tax Savings 2 free withdrawals per month** over limit assisted-service withdrawals $1.00 each over limit self-service withdrawals $0.50 each Self-service withdrawal: Withdrawal at any Credit Union ACCULINK ATM in Canada, MemberDirect and TeleTouch Banking withdrawals and transfers; Interac Direct Payment; pre-authorized debits, cleared cheque withdrawals, etc.excludes THE EXCHANGE, Interac, US, and International ATM withdrawals. Assisted-service withdrawal: Any withdrawal that requires the assistance of an Interior Savings employee including branch withdrawals, transfers, cheques etc. MemberDirect trademark is owned by Credit Union Central of Canada, used under license. *Valid only on transfers within Interior Savings Credit Union. **Excludes THE EXCHANGE, Interac, US, and International ATM withdrawals.

3 business & organization chequing accounts Basic Business Chequing $6.00 monthly fee withdrawals & deposits $1.00 each** Business Packs 10 Pack $ withdrawals or deposits per month* 20 Pack $ withdrawals or deposits per month* 35 Pack $ withdrawals or deposits per month* 50 Pack $ withdrawals or deposits per month* 75 Pack $ withdrawals or deposits per month* 100 Pack $ withdrawals or deposits per month* 200 Pack $ withdrawals or deposits per month* over limit withdrawals & deposits $1.00 each** Community Builders Chequing 25 free withdrawals or deposits per month* over limit withdrawals & deposits $1.00 each** transaction fees waived if minimum monthly balance exceeds $15, savings accounts and non-transaction related services subject to regular fees accounts with high activity may be assessed additional monthly fees lending fees Lending Service Charge Items Blend and extend mortgage fee $200 Construction mortgage $50 per draw plus appraisal costs Credit union seal $100 Letter of credit application or annual renewal fee $100 fee or 1% of principal, whichever is greater Letter of interest paid $15 Lien searches $15 theworks new advance $100 fee for new advances of $50,000 or less Delinguent loan/loc NSF fee $40 Dis - includes preparation and execution of documents $75 Short term loan fee (under 6 months, 1/2 of 1% ($25 min) interim financing) Mortgage transfer - transfer out of $75 Interior Savings Personal property registry Registration $25 and $5/year Changes to registration $25 Searches - member request $10 Release of personal covenant $75 Suspension/alteration of loan payments/ $35 terms * Excludes THE EXCHANGE, Interac, US, and International ATM withdrawals. ** Excludes pre-authorized credits. *** Five or more signers will be charged a one time fee of $25 each at account opening or at the annual renewal period. At subsequent annual renewal periods, the number of free signers will be dictated by the number set-up the previous year. For changes outside the annual renewal period, a flat fee of $100 will cover up to 4 signer changes; additional signers will be charged $25 each.

4 general service fees General Service Charge Items Account closed within 90 days of opening $20.00 ATM user fees (plus account withdrawal fee) Canadian credit union ATM withdrawals Free EXCHANGE and Interac ATM withdrawals in Canada $1.75 US and International ATM withdrawals $2.00 Business deposit book for non-business accounts (plus HST) $5.00 Canadian cheque in US funds $10.00 Cheque cashing for non-members (excludes federal and provincial government cheques) Cheque printing $5.00 $3.00/sheet Collection items Received $ draft fee Sent $ draft fee + bank fee if applicable Dormant account administration Up to 10 years $25.00/year 10 years or more $100.00/year Drafts No charge for Canadian and US drafts on Senior $5.00 Package and some Total Service Pack Accounts Funds transfer Phone request or to cover overdraft $5.00 Interac etransfer / Me-to-Me transfers (sent) $1.50 Interac etransfer / Me-to-Me transfer (received) No charge Items search Within 90 days (cheques and images excluded) $5.00 More than 90 days $30.00/hour $15.00 minimum General Service Charge Items MEMBERCARD replacement card $5.00 Overdraft $5.00/item + interest Postdated item (mortgage and loan payments excluded) $3.00 Returned item Charge back (personal and business) $5.00 NSF $40.00 Non-NSF returned item $5.00 RRSP/RRIF/TFSA Transfer to another institution $35.00 (excludes non-competing credit unions) Safety deposit boxes (plus HST) Small (1.5 x 5) $38.00 Medium (2.5 x 5, 3.25 x 5) $50.00 Large (2.5 x 10, 5 x 5) $75.00 Coin (5 x 10) $ Extra large (10 x10) $ Exception: $10.00 discount for some Total Service Packs and for Senior Package Drilling box Cost, $ minimum Replace key $15.00 Stop payment Set up in branch $15.00 Set up on MemberDirect Banking $5.00 Notice of Service Charge Increases Members will be informed of service charge increases either in writing 30 days in advance, or by posted notice at least 60 days in advance. Complaint Procedure Service charge complaints that have not been satisfactorily resolved by Interior Savings staff should be referred to your Manager or in their absence, the Senior Vice President and Chief Operations Officer, Suite 300, 678 Bernard Avenue, Kelowna BC V1Y 6P3, telephone (250) or via to: MEMBERCARD and Design are registered certification marks owned by Credit Union Central of Canada, used under license.

5 branch locations other services Ashcroft Barriere Chase Clearwater Lillooet Merritt Kamloops Lansdowne Summit Tranquille Valleyview Kelowna Glenmore Kelowna Mission Orchard Centre Rutland 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 AC156-10/12

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