Personal Account Options and Fees

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1 Personal Account Options and Fees What s Inside Welcome to Conexus! We want to make it as easy as possible for you to have access to information about our products and services. In this guide you ll not only find information about the different account packages you can choose at Conexus, but also important telephone numbers and web site addresses you ll want to keep close at hand. Whether you are interested in doing your banking online, by phone or in person at one of our 47 branches across the province, Conexus is here for you. Table of Contents Banking Services and Fees Additional Information Line of Credit Protection - Hold Period - Cashing Government of Canada Cheques - GLOBAL PAYMENT MasterCard - CHOICE REWARDS Additional Services Information MEMBER CARD Debit Card - Protecting your PIN - Member Contact Centre - Voice Response Telephone Banking - Online Banking - Bill Payments Opening an Account...7 Our Service Commitment...8 Service Your Way...9 Personal Accounts Chequing Accounts - Saving Accounts - FreeStyle No-Fee Account - Everyday Banking - Lifestyle Packages - Everyday Banking - Young Adult Packages - Special Services - Heritage & Youth Your deposits at Conexus are automatically guaranteed by Credit Union Deposit Guarantee Corporation. There is no maximum limit - whether your deposits total $100 or $1,000,000 they are fully guaranteed. To learn more, visit Call online at Visit your nearest branch

2 Account Transaction Fees The following are transaction fees that apply to personal accounts and unless otherwise indicated are applied in Canadian dollars (except for US dollar accounts where the fees are charged in US dollars). These fees will be charged for transactions that are not included in your Everyday Banking account packages, FreeStyle No-Fee Account or Special Services benefits. Account Transaction Fees Fee per Item Chequing Accounts Savings Accounts Basic Maximizer US ConvPlus High Interest ATM Services* Canada Conexus ATM & Saskatchewan Credit Union ATM (ACCULINK ) Account Balance Inquiries Deposits Withdrawals Transfers Bill Payments Bill Payments (Heritage Services - 60 years+) $2.00 $2.00 $2.00 Out of Province Credit Unions (ACCULINK) Deposits Withdrawals Transfers Other Financial Institution Withdrawals (INTERAC ) $2.50 $2.50 $2.50 United States & Foreign Withdrawals (CIRRUS ) $4.00 $4.00 $4.00 * Non-Conexus ATM channels may charge their own fees for use Transactions Self Serve Transactions Account Balances and History (Online Banking/Voice Response) Bill Payments (Online Banking/Voice Response) Transfers (Online Banking/Voice Response) Interac Direct Payment purchases* GLOBAL PAYMENT MasterCard purchases* Pre-authorized debits Cheques (per cleared item) $0.80 $0.80 $0.80 * Merchants may charge their own fees for use of this payment option Other Transactions Bill Payments (In-branch/ATM/via TeleService) Bill Payments - Heritage Services 60 years+ (In-branch/ATM/via TeleService) Withdrawals (In-branch) Transfers (In-branch) $2.00 $2.00 $2.00 $2.00 ACCULINK and MAXIMIZER are registered trade-mark owned by Credit Union Central of Canada, used under license. February 2015 Personal Account Options and Fees Page 2

3 Additional Services & Fees A variety of banking services are not included in our monthly account fees or Freestyle No-Fee Account and Everyday Banking account packages. When you use these services, additional fees apply. The following fees are charged in Canadian dollars (except for US dollar accounts where the fees are charged in US dollars). Additional Services & Fees Fee Per Item Certifying cheques Conexus customers Other Chargebacks Canadian Accounts (all types) US accounts (US Funds) $10.00 $15.00 Closing Membership/Account Membership and all accounts within 90 days $25.00 Collection - Send Foreign Currency on collection $10.00 Coverdraft (auto system transfer) $2.50 Drafts & Money Orders Money orders - Canadian Foreign and US Drafts (any amount) Request for money order copy/trace request *$15.00 fee for non-conexus customers Duplicate Tax Slips T5, T4RSP, T4RIF, RRSP Official Receipts, etc Money Transfer To send To receive $7.50* $7.50* $30.00 $15.00 $1.50 (non-refundable) (Free for Freestyle, Hertitage and Youth) Free Inactive Account Notification $25.00 Non - Micro encoded cheques NSF items (per item) $45.00 Overdraft items Personalized Cheques Photo Retrievals GLOBAL PAYMENT card transaction Cleared cheque per item + interest at 21% per year (rate may vary from time to time) Fees vary depending on style and quantity ordered Post dated cheque in ATM or held for deposit Research of Historical Data $30.00/hour, min of $15.00 RRSP, RESP, RRIF & TFSA Transfer out fee Open for more than 1 year $50.00 Open less than 1 year $ February 2015 Personal Account Options and Fees Page 3

4 Additional Services & Fees Additional Services & Fees Fee Per Item Safety Deposit Box Rental (size and availability varies)* Small Medium Large XLarge XXLarge Safety Deposit Key Replacement* One key Two keys plus drilling (plus travel costs) * All prices are plus GST Statement fees Manual statement copy Special handling (do not mail etc.) Statement on CD ROM (plus external processing fee) Stop Payment Complete information Incomplete information Entered online using Online Banking Telephone Services Account balances Transfer requests by phone to branch/teleservice (does not apply to Voice Response) Travellers Cheques (via AMEX) Cheques for two (of value) Traditional travellers cheques (of value) *Minimum fee for non-conexus customers $42.00 $57.00 $92.00 $ $ $15.00 $ $15.00 $20.00 $15.00 $4.00 1% * 1% * Wires To Canadian Financial Institution To US Financial Institution To Foreign Financial Institution From Other Financial Institution $20.00 $30.00 $40.00 $15.00 February 2015 Personal Account Options and Fees Page 4

5 Additional Information Line of Credit Protection Line of Credit protection to avoid the inconvenience and cost of dealing with temporary cash shortages is available on approved credit. Protection is convenient and affordable as the service only incurs a fee if it is used. If approved for a Line of Credit, you may borrow up to the credit limit set by Conexus. The Line of Credit interest rate is determined at the time of application. If items that exceed your limit are allowed to be processed to your account, additional overdraft fees and interest will apply. A $5 fee is charged for each overdraft item and overdraft interest is charged at a rate of 21% per year (rate may vary from time to time). The decision to allow overdraft items is at Conexus sole discretion. Hold Period All deposits credited to your account are subject to clearing and final payment. Deposits can be made during business hours, through the ATM or by electronic deposit. The credit union may place a hold on a deposit to determine if it will be honoured when presented for payment. The hold period varies depending upon the item being deposited. For example, cheques deposited from foreign banking institutions will have a longer hold than cheques drawn on Canadian financial institutions. A hold that reflects industry standards, may be placed on an account for the total amount of the deposit. The following is a guideline: GLOBAL PAYMENT MasterCard / Gold GLOBAL PAYMENT MasterCard The GLOBAL PAYMENT MasterCard/ Gold GLOBAL PAYMENT MasterCard provides you the convenience of using MasterCard but debits your account in place of writing a cheque. The MasterCard Payment Card is accepted at any retailer that displays the MasterCard logo. With a PIN attached to the card you can also use the card at ATM machines. The payment card transaction does not clear your account immediately. It could take up to three days to clear dependent on when the retailer does its merchant deposits. CHOICE REWARDS Program The CHOICE REWARDS MasterCard program allows cardholders to collect and redeem points for merchandise, charity and travel. You collect points when you use your GLOBAL PAYMENT MasterCard or Gold GLOBAL PAYMENT MasterCard for purchases (ATM transactions and cash advances do not qualify). The points activity and balance of your CHOICE REWARDS GLOBAL PAYMENT MasterCard is summarized quarterly on a special CHOICE REWARDS statement. Visit for details of the CHOICE REWARDS program and to learn more. A cheque drawn on a Canadian bank in Canadian Funds may be held from four to eight business days maximum US dollar cheques drawn on a US financial institution may require longer holder period A cheque drawn on a foreign financial institution (not including the United States) must be sent on collection through your branch Cashing Government of Canada Cheques if you do not have a Conexus Account A Government of Canada cheque may be cashed for a noncustomer without charge as long as the cheque is for $1,500 or less and acceptable identification is produced. Acceptable ID for a Government of Canada cheque is: One piece of identification (ID) that has both a photo and signature of the individual, such as a driver s licence. If the individual does not have ID that shows both a photo and signature, two pieces of ID are required. The identification must be the original ID - not a photocopy. CUETS is a trade-mark of Credit Union Central of Canada, used under licence. February 2015 Personal Account Options and Fees Page 5

6 Additional Service Information MEMBER CARD Debit Card When you open your account a Conexus MEMBER CARD debit card may be provided. When you attach a personal identification number (PIN) to the card you will have access to ATMs and to INTERAC Direct Payment. It s a simple way to make purchases at more than 300,000 retailers and funds are instantly debited from your account. You can access a chequing or savings account using your MEMBER CARD. Certain conditions may apply for access to your funds. (i.e. no access to unverified funds) 6. Memorize your PIN it s your electronic signature. If you suspect that someone knows your PIN, change it immediately or contact your credit union to cancel the card and obtain a new card. 7. When selecting your PIN, never use obvious information. You could be liable for losses if you create your PIN by using your telephone number, date of birth, address or social insurance number. 8. Be aware of any changes regarding the look of the device you are using. Has it changed in any manner that might indicate a skimming device is attached? Report any changes to Conexus Credit Union or the owner of the device. Protecting your PIN You can help keep your money safe by protecting your PIN and following these 10 important steps: 1. Use your hand, body or other blocking method such as a piece of paper or envelope to shield your PIN when you are conducting transactions at an ATM or at a point of sale (POS) machine. 2. Never let your debit card out of your sight when conducting a transaction at the point of sale. Only allow your card to be swiped once and always remember to take your debit card and transaction record with you once your transaction is completed. 3. Regularly check your statements and balances to verify all transactions have been properly documented. If entries do not accurately reflect your transaction activities, for example, if there are missing transactions or additional unknown transactions, you should contact Conexus Credit Union. 4. If your debit card is lost, stolen or retained by an ATM, notify Conexus Credit Union as soon as you become aware of the problem. Our Member Contact Centre representatives are available Monday to Friday from 8 a.m. 8 p.m. and Saturday from 8 a.m. 4 p.m. If you re calling outside of those business hours, dial (1-800-LOST-111). 5. Your debit card and PIN are the keys to your account(s). Never disclose your PIN to anyone or you could be liable for any losses. You are the only person who should know it. Keep your card in a safe place and never lend it to anyone. 9. Only conduct transactions when and where you feel secure. If anyone tries to distract you, complete what you are doing and retrieve your card before doing anything else. If you cannot retrieve your card, call Conexus Credit Union immediately. 10. In a proven case of fraud, victims are protected by the Canadian Code of Practice for Debit Card Services and will not suffer any financial losses. Each case is reviewed on an individual basis. Conexus Member Contact Centre Call You can speak to a Member Contact Centre relationship manager for inquiries, investments and loan applications. Voice Response Telephone Banking Call Conduct balance and history inquires, transfer funds or make bill payments at your convenience. A Member Access Code (MAC) is required to access Voice Response. Online Banking Visit to get general information or log on with your Online Banking password to access your account information. You can obtain account balances and new history, transfer funds, make bill payments etc. at your convenience. Bill Payments Set your bills up once and then pay your bills at your convenience. Bill payments can be made in person at a branch or you can pay your bills quickly, easily and conveniently through Online Banking or Voice Response Telephone Banking. MEMEBER CARD & MEMBER CARD DESIGN are a registered certification marks owned by Credit Union Central of Canada, used under license. February 2015 Personal Account Options and Fees Page 6

7 Opening an Account In order to open an account at Conexus Credit Union, certain legislative conditions must be met. You will be required to: Complete account opening documentation Provide your name, address, date of birth and occupation Provide two pieces of identification Only original, current and unaltered documents presented as identification can be accepted Valid Identification consists of two pieces of identification from List A or one piece from List A and one piece from List B. Valid foreign identification, if equivalent to an acceptable type of Canadian identification, is acceptable. For example, a valid foreign passport is acceptable identification. List A Valid Canadian Drivers Licence (Photo and signature required) NOTE: A drivers licence picture ID card is not a valid driver s licence unless it is accompanied by the Annual Drivers Licence And Automobile Accident Insurance Certificate. Current Canadian Passport (Photo and signature required) Provincial Health Card (only if it is not prohibited by provincial or territorial legislation) Certificate of Indian Status Card (Photo and signature required) List B Major Canadian Credit Card (Name & Signature required) Student Identification Card issued from a known institution Canadian Bank Debit/ABM Card - Other than Conexus (Name & Signature required) Workers Visa issued by the Government of Canada Employee identity card with a photo issued by an employer well known in the community. Old Age Security card issued by the Government of Canada Birth Certificate issued in Canada Social Insurance (SIN) card Provincial or Federal Canadian Government Issued ID card (Photo and signature required) Certificate of Canadian Citizenship A Permanent Resident card or Citizenship and Immigration Canada Form IMM 1000 or IMM 1442 Valid Foreign Passport Nexus card When you open an account at Conexus you are governed by the Terms and Conditions for Financial Services. For a copy of these terms and conditions, visit your local branch or view them online at February 2015 Personal Account Options and Fees Page 7

8 Our Service Commitment Conexus is committed to delivering exceptional service to our customers and we hope you are happy with your experience! If your experience with us does not meet our service commitment, we want to hear from you. It s important you tell us so we can resolve problems in a timely manner. How can you resolve a problem? Please let us know if you have any questions, complaints or concerns about your dealings with Conexus. If a problem occurs, it is generally easier to assess the situation and come to a resolution at the point where the problem originated. This may simply require a quick telephone call or a visit to your branch or the office involved. Talk to a Conexus representative where you do your business or call If you are not satisfied with the response you get where the problem originated, ask to speak with the manager, team leader or senior officer present. They will have the authority to solve most problems immediately. The sooner you contact us the sooner we can begin working on a solution. It is preferable to follow this suggested process to ensure your concerns are addressed in a fair and efficient manner. Step 1 Step 2 Step 3 Conexus Credit Union SaskCentral Ombudsman Ombudsman for Banking Services and Investments What is the Conexus Ombudsman Office? If your problem is not resolved after consulting your branch or the office involved, you are encouraged to contact the Conexus Ombudsman Office which provides an impartial avenue of review for unresolved concerns. Our problem resolution specialists are experienced in mediation, fact-finding and listening. We try to find solutions that work. Customer experiences are a vital source of feedback for Conexus. Based on discussions with customers, the Conexus Ombudsman may make recommendations as warranted to improve operational processes or products and services. The Ombudsman Office can only review your concern after you have received a response from one of our Conexus representatives. All complaints to the Ombudsman Office should be in writing. Please explain in your correspondence why the problem has not been adequately resolved to your satisfaction. Corporate Compliance Department/Conexus Ombudsman Conexus Credit Union 550 Henderson Drive Regina, SK S4N 5X2 Phone: Fax: February 2015 Personal Account Options and Fees Page 8

9 Service Your Way Member Contact Centre: Open 6 days a week, Monday to Friday - 8 a.m. - 8 p.m. and Saturday 8 a.m. - 4 p.m. Call With Member Contact Centre you can speak to one of our helpful Relationship Managers about your banking needs. Online Banking: Available 24 hours a day, 365 days a year. Access your account by logging on to Voice Response Telephone Banking: Available 24 hours a day, 365 days a year Call Voice Response is our automated telephone banking service. In Branch: Visit one of our many branches located across the province for all your banking needs. Lost or stolen cards? Call Member Contact Centre during regular hours. After hours call: Within Canada and continental U.S.A (1-800-Lost-111) Outside Canada and continental U.S.A. 1 (306) (collect) MEMBER CARD and Design are registered certification marks owned by the Credit Union Central of Canada, used under licence. INTERAC is a registered trade-mark owned by Interac Inc. and is used under licence. Cirrus is a registered trademark owned by CIRRUS Systems Inc. and is used under licence. ACCULINK and Design are registered trademarks owned by Credit Union Central of Canada, used under licence. February 2015 Personal Account Options and Fees Page 9

10 Chequing Accounts Features Monthly transaction 1 limit Basic Chequing MAXIMIZER Chequing US Dollar Chequing Pay as you go (per transaction fees apply) Pay as you go (per transaction fees apply) Pay as you go (per transaction fees apply) Monthly fee $1.50 $1.50 $1.50 USD Offers free banking if Maintain $1,500 minimum balance (excludes in-branch & ATM bill payments) Eligible for everyday banking packages 2 Lifestyle & Young Adult Eligible for special services 3 Heritage & Youth Heritage & Youth Heritage Earns interest tiered 4 Allows cheque writing tiered 5 Personalized cheques At cost At cost At cost Monthly statement (including imaged cheques) Paper or Online Paper or Online Paper or Online Offers multi-channel banking (Online Banking, Voice Response, Member Contact Centre, ATM network & Interac Direct Payment) No ATM network or INTERAC Direct Payment access Interest tiers $0 - $1,500 $1, $5,000 $5, $15,000 $15, $30,000 $30, $0 - $1,500 $1, $5,000 $5, Additional Information Deposits do not count as a transaction and do not incur service fees Interest is calculated on the daily closing balance and paid monthly on the last day of the month Line of Credit protection may be available (on approved credit) GLOBAL PAYMENT MasterCard or Gold GLOBAL PAYMENT MasterCard may be available (on approved credit) NOTE: Cannot be attached to US Dollar Chequing Additional fees may apply to the operation of your account, refer to pages 2-4 of this guide or for details Footnotes 1 Transactions include in-branch (withdrawals/transfers/bill payments), cheques, INTERAC Direct Payment & GLOBAL PAYMENT MasterCard purchases, Conexus & Saskatchewan credit union and out of province ACCULINK ATM, Online Banking and Voice Response transactions. 2 Refer to pages 13 or for details 3 Refer to page 15 or for details 4 Interest earned on MAXIMIZER Chequing is calculated using the interest rate for each tier and the portion of the daily closing balance in each tier. 5 Interest earned on US Dollar Chequing is calculated using the interest rate from the tier that the daily closing balance falls in. ACCULINK and MAXIMIZER are registered trade-marks owned by Credit Union Central of Canada, used under license. February 2015 Personal Account Options and Fees Page 10

11 Saving Accounts Features Monthly transaction 1 limit ConveniencePlus Savings Pay as you go (per transaction fees apply) High Interest Savings Pay as you go ( per transaction fee) Monthly fee Offers free banking if Maintain $5,000 minimum balance (excludes in-branch & ATM bill payments) Eligible for everyday banking packages 2 Eligible for special services 3 Heritage & Youth Earns interest 4 tiered tiered Allows cheque writing Monthly statement Paper or Online Paper or Online Offers multi-channel banking (Online Banking, Voice Response, Member Contact Centre, ATM network & Interac Direct Payment) Interest tiers $0 - $1,000 $1, $3,000 $3, $5,000 $5, $10,000 $10, $0 - $5,000 $5, $25,000 $25, $60,000 $60, $100,000 $100, Additional Information Deposits do not count as a transaction and do not incur service fees Interest is calculated on the daily closing balance and paid monthly on the last day of the month Additional fees may apply to the operation of your account, refer to pages 2-4 or for details. NOTE: a $5 per transaction fee applies to the High Interest Savings Account Footnotes 1 Transactions include in-branch (withdrawals/transfers/bill payments), cheques, INTERAC Direct Payment & GLOBAL PAYMENT MasterCard purchases, Conexus & Saskatchewan credit union and out of province ACCULINK ATM, Online Banking and Voice Response transactions. 2 Refer to pages 13 or for details 3 Refer to page 15 or for details 4 Interest earned is calculated by using the interest rate from the tier that the daily closing balance falls in. ACCULINK is a registered trade-mark owned by Credit Union Central of Canada, used under license. February 2015 Personal Account Options and Fees Page 11

12 FreeStyle No-Fee Account Features Monthly transaction 1 limit Unlimited 2 Monthly fee Allows cheque writing Monthly statetment (including imaged cheques) Personalized Cheques Offers multi-channel banking (Online Banking, Voice Response, Member Contact Centre, ATM network & INTERAC Direct Payment) No Fee Yes Paper or Online At cost Yes Additional Information FreeStyle is only available to personal members Membership share is required to hold this account FreeStyle is only available as a chequing account No minimum monthly balance is required This account does not earn interest Line of Credit Protection may be available (on approved credit) GLOBAL PAYMENT MasterCard or Gold GLOBAL PAYMENT MasterCard may be available (on approved credit) Additional fees may apply to the operation of your account, refer to pages 2-4 or for details Footnotes 1 Transactions include bill payments/deposits/transfers/withdrawals, clearing cheques, pre-authorized debits and credits, Interac Direct Payment & GLOBAL PAYMENT MasterCard purchases, Conexus and Saskatchewan credit union and out of province ACCULINK ATM transactions, Online Banking (including Interac e-transfers) and Voice Response transactions. 2 Unlimited transactions do not include Other Financial Institution ATM withdrawals (Interac) or United States & Foreign ATM withdrawals (Cirrus) ACCULINK is a registered trade-mark owned by Credit Union Central of Canada, used under license. February 2015 Personal Account Options and Fees Page 12

13 Everyday Banking Lifestyle Packages Features Lifestyle Low Fee Lifestyle Basic Lifestyle Plus Lifestyle Premium Lifestyle Platinum Monthly transaction 1 limit Unlimited self-serve 2 Unlimited Unlimited Monthly fee $4.00 $5.75 $11.00 $15.00 $25.00 Allows cheque writing Monthly statement (including imaged cheques) Paper or Online Paper or Online Online only Paper or Online Paper or Online Personalized cheques At cost At cost At cost At cost Includes 100/year Safe deposit box discount (subject to availability) $25.00/year Drafts or Money Orders At cost At cost At cost At cost One free/month Annual fee - CHOICE REWARDS Gold MasterCard or Gold GLOBAL PAYMENT CHOICE REWARDS MasterCard Offers multi-channel banking (Online Banking, Voice Response, Member Contact Centre, ATM network & INTERAC Direct Payment) At cost At cost At cost At cost Waived Additional Information Lifestyle Packages can only be attached to a basic chequing account Deposits do not count as a transaction and do not incur service fees Regular fees apply to over limit transactions Line of Credit protection may be available (on approved credit) GLOBAL PAYMENT MasterCard or Gold GLOBAL PAYMENT MasterCard may be available (on approved credit) Additional fees may apply to the operation of your account, refer to pages 2-4 or for details Footnotes 1 Transactions include in-branch (withdrawals/transfers/bill payments, cheques), INTERAC Direct Payment & GLOBAL PAYMENT MasterCard purchases, Conexus & Saskatchewan credit union and out of province ACCULINK ATM, Online Banking and Voice Response transactions. 2 Self serve transactions include cheques, INTERAC Direct Payment & GLOBAL PAYMENT MasterCard purchases, Conexus & Saskatchewan credit union ATM (excludes ATM bill payments), Online Banking and Voice Response transactions. ACCULINK is a registered trade-mark owned by Credit Union Central of Canada, used under license. February 2015 Personal Account Options and Fees Page 13

14 Everyday Banking Young Adult Packages Available to personal customers age years. Features Young Adult Basic Young Adult Plus Young Adult Premium Monthly transaction 1 limit 15 Unlimited self-serve 2 Unlimited Monthly fee $3.00 $7.50 Offers free banking if 10 or less transactions/month 10 or less transactions/month 10 or less transactions/month Allows cheque writing Personalized cheques At cost At cost At cost Monthly statement (including imaged cheques) Offers multi-channel banking (Online Banking, Voice Response, Member Contact Centre, ATM network & INTERAC Direct Payment) Paper or Online Online only Paper or Online Additional Information Young Adult packages can only be attached to a basic chequing account Deposits do not count as a transaction and do not incur service fees Regular fees apply to over limit transactions Line of Credit protection may be available (on approved credit) GLOBAL PAYMENT MasterCard or Gold GLOBAL PAYMENT MasterCard may be available (on approved credit) Additional fees may apply to the operation of your account, refer to pages 2-4 or for details Footnotes 1 Transactions include in-branch (withdrawals/transfers/bill payments, cheques), INTERAC Direct Payment & GLOBAL PAYMENT MasterCard purchases, Conexus & Saskatchewan credit union and out of province ACCULINK ATM, Online Banking and Voice Response transactions. 2 Self serve transactions include cheques, Interac Direct Payment & GLOBAL PAYMENT MasterCard purchases, Conexus & ACCULINK is a registered trade-mark owned by Credit Union Central of Canada, used under license. February 2015 Personal Account Options and Fees Page 14

15 Special Services Heritage Services Available to personal members at the beginning of the month they turn 60. Benefits Fees are waived for transactions 1 on the following accounts: Basic Chequing MAXIMIZER Chequing US Dollar Chequing ConveniencePLUS Savings $10.00/year safe deposit box discount (subject to availability) * Membership share is required Youth Services Available to personal members age 0-18 years (until the beginning of the month a youth turns 19) Benefits Fees are waived for transactions 1 on the following accounts: Basic Chequing MAXIMIZER Chequing ConveniencePLUS Savings Reduced minimum amount required to purchase eligible term deposit investments Note: A MEMBER CARD debit card or cheque writing privileges for youth under 12 requires parental consent/indemnity * Membership share is required Footnotes 1 Transactions include withdrawals/transfers/bill payments, cheques, INTERAC Direct Payment & GLOBAL PAYMENT MasterCard purchases, Conexus & Saskatchewan credit union and out of province ACCULINK ATM, Online Banking and Voice Response transactions. Additional fees may apply to the operation of your account, refer to pages 2-4 or for details. MEMEBER CARD is a registered certification mark owned by Credit Union Central of Canada, used under license. ACCULINK and MAXIMIZER are registered trade-mark owned by Credit Union Central of Canada, used under license. February 2015 Personal Account Options and Fees Page 15

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