Service Charge Brochure

Service Charge Brochure The following brochure outlines the full products and services offering and service charges effective July 31 st, 2012. Introduction Our goal is to provide our members with a full range of financial products and services at a reasonable and fair cost. It is our commitment to you to consistently provide the highest level of service possible. We exist to serve our members and our community. Statement Your Credit Union is dedicated to provide you with the most effective financial services and wise financial guidance to empower you to make the best decision for your financial well being. Index Savings accounts.. Page 3 Shares, SmartSave, Youth Account and Student Deposit Program Chequing accounts....pages 4 Personal, Business, US, Daily Interest, Personalized cheque orders Package accounts.....pages 5 10 Student, MasterPlan Basic, MasterPlan Standard, MasterPlan Plus, MasterPlan E-Chequing, Prime

Service Charge Brochure Card Services.....Pages 11-15 Debit Card, Global Payment MasterCard, Gold Global Payment Card, icare, MasterCard credit cards, Student MasterCard, Platinum MasterCard, Business MasterCards, Balance Protection, SecureCode, Choice Rewards Points Investments...Pages 16-20 Credential Financial Services, Registered Retirement Savings Plan (RRSP), Registered Retirement Income Fund(RRIF), High Interest Savings Account (HISA), Term Deposits, AgriInvest, Monthly Savings Plan (MSP), Mutal Funds, Index-Linked, Registered Education Savings Plan (RESP), Tax Free Savings Account (TFSA) Lending...Pages 21-22 Personal Loans, Business Loans, Student Loans, Mortgages, Line of Credit Suite of products Insurances..Pages 22-23 Line of Credit Insurance, Member Term Life Insurance, Credit Life Insurance, Credit Disability Insurance, Critical Illness Insurance, Loss of Employment Insurance, Travel Insurance Other services....... Pages 24-26 MemberDirect, Mobile Text & Web Banking, Interac E-Transfers, TeleService, TelPay,Night Deposit Service, Safety Deposit Boxes, Travellers Cheques, Merchant Services, Property Tax Service Charges.....Pages 27-33 Definitions......Page 34 Phone numbers.........page 35 Websites.. Page 36 2 www.eccu.ca

Savings accounts Shares Shares represent equity in Évangéline-Central Credit Union and form part of your own personal wealth. These funds are yours, they appear on your regular statement and are refundable upon ownership cancellation. A minimum of $5.00 must be maintained in your Shares account at all times Customer-owners are equal in share requirement Shares are refundable upon ownership cancellation Shares are subject to dividends which may be declared based on the Credit Union's earnings, as decided by the Board Of Directors Chequing privileges, cards, pre-authorized and payments are not permitted on this account. SmartSave This is a daily interest savings account that you can use for your day to day transactions. Interest is calculated on a tiered level on your closing daily balance and is paid to the account at the end of each month. There are no cheque privileges. You will receive five free pre-authorized, over-the-counter or ICU withdrawals per month. Youth Account & Student Deposit Program This youth account is designed specifically for students in kindergarten through grade 12. The account consists of one SmartSave savings account with a preferred rate. There are no service charges for deposits or withdrawals on this account and a debit card is available. Each week, a staff member goes to Bloomfield & Evangeline Schools and every second week to Ellerslie School to pick up deposits made by students to their accounts. Prizes are awarded on occasion throughout the school year. 3

Chequing accounts Personal Chequing Account This account is suited to members who require the convenience of a chequing account but do not require all the services provided by a package plan. A minimum maintenance fee of $1.25 applies. No interest is paid on this account. See package plans for additional options and services available. Business Chequing Account A minimum maintenance fee of $2.25 applies. No interest is paid on this account. A printed monthly statement with cheque images is provided for pick-up in-branch at no cost. There is also no charge for a deposit, a cash order or our payroll service. US Chequing Account (Personal & Business) This account applies to members who deal with US currency on a regular basis. This type of account permits you to make US cash or cheque withdrawals from your account directly at the Credit Union, purchase US Traveller's cheques, US drafts and US wires without any conversion fees. You cannot attach a Debit Card or a Global Payment MasterCard to this account. This account cannot be accessed at an ATM or by Direct Payment. MemberDirect is available for inquiries only (to view transactions on the account). US coins are not accepted for deposits. There are no certified cheque privileges on this account. A minimum maintenance fee of $2.00 applies on a personal account and $5.00 on a business account. Daily Interest Chequing Applies to a personal or business account. A minimum monthly maintenance fee of $2.25 applies. This account pays interest on a tiered level. You receive 1 free cheque, pre-authorized, over-thecounter or ICU withdrawal per $1,000 minimum balance. Personalized Cheque Orders A variety of personal and business cheques are available to suit your individual personality. You can customize your order by adding your business logo. Computerized cheques for your business are also available. Please ask the receptionist for more details. 4 www.eccu.ca

Package accounts Student Plan This account is designed for students attending their post secondary education on a full time basis. Proof of full time student status is required at time of enrollment. The plan will be in effect for the duration of their studies. The package applies to one chequing account only and includes: No fees for the first 25 transactions from : Debit Card Global Payment MasterCard Transactions in excess of 25 will be charged at regular service charge rates. No annual fee Debit Card No annual fee Global Payment MasterCard (on approval) 2 free ATM withdrawals per month at another Financial Institution in Canada 4 free personalized cheques, pre-authorized cheques, over-the - counter or ICU withdrawals per month Line of Credit and Student MasterCard available (on approval) No fee travellers cheques Free TeleService which allows you to inquire about your account, pay bills and transfer funds 24/7 from any touch tone phone in Canada toll free Free MemberDirect access, which allows you to inquire into your account, pay bills and transfer funds 24/7 through your personal computer and the Internet (excludes Interac e-transfer transactions) Free Mobile Text and Web Banking (standard text messaging rates may apply depending on your provider and plan) 5

Package accounts MasterPlan Basic Provides coverage for your basic chequing needs. The plan applies to one personal chequing account only and features include: $4.95 for the first 15 transactions per month from the following categories: Personalized cheques Global Payment MasterCard transactions Debit Card transactions Pre-authorized debits Over-the-counter or ICU withdrawals No annual fee Debit Card (one per person per renewal) No annual fee Global Payment MasterCard (one per person per renewal) Free Acculink and The Exchange networks ATM withdrawls FREE TeleService phone banking service FREE MemberDirect online banking service (excludes Interac e-transfer transactions) FREE Mobile Text & Web Banking service (standard text messaging rates may apply depending on your provider and plan) PLEASE NOTE: Transactions in excess of 15 will be charged at the standard service charge rates. Line of Credit overdraft protection available upon approval. 6 www.eccu.ca

Package accounts MasterPlan Standard For the frequent user, it provides coverage for your chequing needs. The plan applies to one personal chequing account only and features include: $10.95 For the first 40 transactions per month from the following categories: Personalized Cheques Global Payment MasterCard transactions Debit Card transactions Pre-authorized debits Over-the-counter or ICU withdrawals No annual fee Debit Card (one per person per renewal period) No annual fee Global Payment MasterCard (one per person per renewal period) Free Acculink and The Exchange networks ATM withdrawls Free TeleService phone banking service Free MemberDirect online banking service (excludes Interac e-transfer transactions) Free Mobile Text & Web Banking service (standard text messaging rates may apply depending on your provider and plan) Free Personalized econo cheque order Two free ATM withdrawals per month at another Financial Institution in Canada No fee for Travellers' Cheques, Canadian Money Orders (limit 2 per month), Bill Payments, Certified Cheques (limit 2 per month) and $10,000 accidental death, bodily injury or total disability insurance 50% discount on Safety Deposit Box (upon availability) Transactions in excess of 40 will be charged at the standard service charge rates. Line of Credit overdraft protection available upon approval. 7

Package accounts MasterPlan Plus If you want maximum coverage in one monthly fee, this is the plan for you. The plan applies to one personal chequing account and features include: $19.95 for unlimited free transactions in these categories: Personalized Cheques Global Payment MasterCard transactions Debit Card transactions Pre-authorized debits Over-the-counter or ICU withdrawals No annual fee Debit Card (one per person per renewal) No annual fee for Gold Global Payment MasterCard primary cardholder upon approval ($36 for each additional card on the account) (one per person per renewal) Free Acculink and The Exchange networks ATM withdrawals Free TeleService phone banking service Free MemberDirect online banking service (excludes Interac e-transfer transactions) Free Mobile Text & Web Banking service (standard text messaging rates may apply depending on your provider and plan) Free Personalized econo cheque order 5 free ATM withdrawals per month at another Financial Institution in Canada 2 free Plus World-Wide ATM transactions per month No fee for Travellers' Cheques, Canadian Money Orders (limit 2 per month), Bill Payments, Certified Cheques (limit 2 per month), $10,000 accidental death, bodily injury or total disability insurance, US Drafts (limit 2 per month), Buyers Protection Plan and Mortgage renewals. 50% discount on Safety Deposit Box (upon availability) $150 credit on appraisal fee for new first mortgage Line of Credit overdraft protection available upon approval. 8 www.eccu.ca

Package accounts MasterPlan E-Chequing This plan is for members who mainly use their cards to do their daily banking. It applies to one personal chequing account only. This plan is $6.50 per month and covers the first 40 transactions per month from the following categories : Global Payment MasterCard transactions Debit Card transactions Pre-authorized payments Your e-chequing account also gives you for FREE : No annual fee Debit Card (one per person per renewal period) No annual fee Global Payment MasterCard (one per person per renewal period) Acculink and The Exchange ATM networks withdrawls Electronic Bill Payments at the ATM TeleService telephone banking service MemberDirect online banking service (excludes Interac e-transfer transactions) Free Mobile Text & Web Banking service (standard text messaging rates may apply depending on your provider and plan) NOTE: Transactions in excess of 40 will be charged at your standard service charge rate. NOTE: The monthly fee of $6.50 is waived if minimum monthly balance is $2,000 or more. 9

Package accounts Prime Account A package of benefits to allow for better savings, increased flexibility and greater convenience for owners 59 and over. The plan applies to one personal chequing or smartsave account only and covers the first 50 transactions from the following categories: Global Payment MasterCard (chequing account only) Debit Card transactions Pre-authorized transactions Over-the-counter or ICU withdrawal Cheques (chequing account only) FREE Acculink and The Exchange ATM networks withdrawals FREE personalized econo cheque order FREE Travellers Cheques FREE bill payment service FREE TeleService telephone banking FREE MemberDirect online banking (excludes Interac e-transfer transactions) Preferred rate of 1/4% bonus interest on non-registered, non-redeemable Term Deposits (GIC) of one year or more with a minimum deposit of $5,000 50% discount on annual Safety Deposit Box rentals (upon availability) One Debit Card and One Global Payment MasterCard per person per renewal period Printed monthly statements with cheque images are available for pick-up in-branch or can be mailed for a $2 fee. NOTE: Transactions in excess of 50 will be charged at the standard personal chequing account service charge rates. 10 www.eccu.ca

Card Services Debit Card Your debit card can be used at ATMs to access your accounts. You may also use it on the Interac direct payment system. You have the flexibility to choose your own 4 digit PIN number. Also, you may choose to add our Choice Rewards points program (see page 15) to your debit card if you already have it on one of our MasterCards. Get 10 points for each transaction of $20 or more. Global Payment MasterCard The GLOBAL PAYMENT MasterCard card offers you the convenience, flexibility and worldwide global acceptance of a traditional MasterCard credit card. GLOBAL PAYMENT MasterCard can be used anywhere MasterCard is accepted including shopping online and accessing cash at an ATM. But, unlike the traditional MasterCard credit card, the funds are automatically moved from your credit union account to pay off the balance after the transaction is completed. GLOBAL PAYMENT MasterCard is a convenient extension of your account. Great benefits provided by MasterCard International, accompany the Global Payment MasterCard: MasterPurchase 90 day Purchase Protection Insurance Extended Warranty Insurance MasterTrip $1,000 Accidental Death Insurance Up to $100,000 Common Carrier Travel Accident Insurance Up to $300 Baggage Delay You may also choose to add our Choice Rewards points program (see page 15) to your Global Payment MasterCard. Get 1 point for each dollar spent. Line of credit protection is available. 11

Card Services Gold Global Payment MasterCard The Gold GLOBAL PAYMENT MasterCard card offers you the convenience, flexibility and worldwide global acceptance of a traditional Gold MasterCard credit card. Gold GLOBAL PAYMENT MasterCard can be used anywhere MasterCard is accepted including shopping online and accessing cash at an ATM. But, unlike the traditional Gold MasterCard credit card, the funds are automatically moved from your credit union account to pay off the balance after the transaction is completed. Gold GLOBAL PAYMENT MasterCard is a convenient extension of your account and is only available through your credit union. Get a comprehensive package of benefits provided by MasterCard International, which include: Out-of-Province/Country Travel Medical Insurance MasterTrip Trip Cancellation Insurance $1,000 Accidental Death Insurance Up to $500,000 Common Carrier Travel Accident Insurance Up to $2,000 Unexpected Return Home Benefits Emergency Assistance Services MasterPurchase 90 day Purchase Protection Insurance Extended Warranty Insurance MasterRental MasterLegal All for an annual fee of $96. Additional cards are $36 each. You must qualify for a minimum $5,000 line of credit. You may choose to add our Choice Rewards points program (see page 15) to your Gold Global Payment MasterCard. Get 1 point for each dollar spent. icare : Make a difference in your community For every purchase you make using your Credit Union MasterCard credit card, we will donate to health care in the community. There is no cost to you and you are automatically enrolled when you sign up for a MasterCard. Use your card and contribute to the community! 12 www.eccu.ca

MasterCard Cards A MasterCard card provides an excellent and convenient way to access revolving credit. Minimum monthly payment amount is 3% of your outstanding balance. Buy now and pay later with no interest charges if account is paid off within 21 days of the statement date. Very competitive interest rates are offered. For all your credit needs, we offer a wide variety of MasterCard cards with PayPass payment functionality. You may choose from the following credit cards: Low Rate MasterCard Low Fee MasterCard No Fee MasterCard Gold MasterCard Low Fee Gold MasterCard Card Services All cards have different features and special benefits. You can choose to add the Choice Rewards points program for an additional annual fee on most cards. Student Start building a credit rating - before you enter the workforce! This card is the perfect "starter" card for post-secondary students over the age of majority. With no annual fee, you'll see the convenience and security this card offers, as you build your financial future. Platinum Class This prestigious card will appeal to your need for convenience, security and sense of adventure. The comprehensive package of insurances attached to the card is unrivaled, giving you the peace of mind you would expect from a true Platinum card. With this card you will also enjoy automatic enrolment in the Platinum Class Rewards program, which now has more redemption options than ever before. You can redeem points for high-end, premium merchandise, or use your points to plan a trip without worrying about restrictions like blackout periods and seating limitations. 13

Card Services Business MasterCard credit card The Business MasterCard is perfect for small businesses and corporate members who want financial convenience and control. Features: Choose between two different payment methods: Consolidated Pay - one main control account for the business, and one sub-account for each employee Individual Pay - an individual account is created for each employee Statements are mailed directly to each cardholder and for Consolidated Pay, a summary statement is mailed to the business Cash Back Program option is available Balance protection You have the option to add balance protection insurance to your credit card. With this insurance, your minimum monthly payment will continue to be paid if your earnings are affected by: *Job loss * Disability * Illness * Accident * Loss of life The premium is 90 cents for every $100 of current monthly balance. To enroll, call 1-800-561-7849. SecureCode - Guard your card online MasterCard SecureCode is a service to enhance your existing MasterCard account. A private code means added protection against unauthorized use of your card when you shop at participating online retailers. Taking advantage of SecureCode is easy. Just shop online as you normally would, then use your SecureCode at checkout. www.securecode.com/cumastercard 14 www.eccu.ca

Card Services Choice Rewards Points Choice Rewards is the easiest, most flexible points program around because you do the choosing. Every time and everywhere you make purchases with your debit or credit MasterCard card or your Debit Card, you earn points. Card Type Debit Card Global Payment, Gold Global Payment, Gold, Low Fee Gold, Student, Low Rate and Low Fee. Platinum Class No Fee # of points accumulated 10 points for each transaction of $20 or more 1 point for every $1 spent 2 points for every $1spent 1 point for every $2 dollars spent Redeem your points for free merchandise from the Choice Rewards catalogue; Wellington Co-op or O Leary Farmer s Co-op gift certificates; charitable donations; free travel from the Choice Rewards Travel Agency for more than just air travel. You can rent a car, book a train trip or a cruise, or reserve a hotel room plus, book tickets for flights, on any airline, at any time of the year, and to any destination you want. And if you don t have enough points to pay for your entire trip, you can charge the remainder to your MasterCard and earn even more points. cash - beginning at 5,000 points Redeem your points online at www.choicerewards.ca Merchandise 1-888-546-5487 Travel 1-888-264-3031 15

Wealth Management A member-focused strategy that accounts for the separate and distinct financial needs of each member, Credential Financial Services offers Credit Union members across Canada the opportunity to obtain personal financial planning and analysis from qualified and experienced professionals without cost or obligation. Credential Financial Services delivers the full spectrum of wealth management services, from estate planning and insurance to education funding and retirement planning. The Credential Financial Services program offers a variety of protection and investment plans that complement the traditional savings programs offered by a Credit Union. Together, they can provide a total package to help today s Credit Union member realize their financial objectives whether it involves saving for a first home, providing a university education for a child or building a nest egg for a comfortable retirement. It takes time, knowledge and experience to plan for a secure financial future. Take advantage of the wealth management products and services available through Credential Financial Strategies to help you achieve your personal financial goals and make your dreams of financial security a reality. To book an appointment with your local Credential Rep., call 888-5530 for Rod MacInnis or 853-6020 for Sharon Gallant rmacinnis@credential.com sgallant@credential.com 16 www.eccu.ca

Investments Registered Retirement Savings Plan (RRSP) A RRSP is an excellent investment option you can use to save for your retirement. All contributions to a RRSP are tax deductible (within your annual prescribed limits). The minimum deposit required to open a fixed RRSP is $500. RRSP Investment types include: Fixed redeemable or non-redeemable Variable with a tiered interest rate level Index-Linked : invest in stock markets without any risk to your principal A Pre-Authorized Debit (PAD) automates the saving process for you. Making small, more frequent, contributions to your retirement plan is more manageable and will earn more interest throughout the year. Best Rate Guarantee We offer the best rate guarantee on all our fixed rate RRSP products during the annual RRSP campaign (first 60 days of each year). Deposit early and if our rates increase before the deadline, we will automatically increase your deposit rate. Évangéline-Central Credit Union is a member of the Credit Union Deposit Insurance Corporation (CUDIC), which provides 100% coverage on all registered investments with Évangéline- Central Credit Union. Registered Retirement Income Fund(RRIF) A RRIF is what you transfer your RRSP to when you wish to draw an income from your retirement savings. The minimum deposit required to open a RRIF is $500. We offer variable or fixed rate RRIFs and we can tailor an income stream to meet your specific requirements. You can choose to be paid directly into your credit union account either monthly, quarterly, semiannually or annually. 17

Investments High Interest Savings Account (HISA) A great way to save! This non-registered savings plan offers an excellent rate with withdrawal flexibility. Benefits: Tiered interest rate for deposits under and over $5,000 Easy to manage with free transfers to and from your Évangéline-Central accounts through MemberDirect, TeleService and Mobile Web Banking Interest is calculated on the daily closing balance and paid monthly $5.00 charge for each cash withdrawal, pre-authorized payment, direct payment, in-branch transfer, ATM withdrawals and all methods of bill payments. Term Deposit A term deposit is just what the name implies an amount of money deposited for a specific term. Both redeemable (you may cash-in at any time with an interest penalty) and nonredeemable (locked-in until date of maturity) terms are available from 30 days to 5 years. This account is beneficial if you have a specific amount you wish to lock in for a certain amount of time. By locking in for a specific term, you will receive a better interest rate than a regular savings account. Rates are known at time of deposit and are fixed for the full term. Funds are held on deposit for a specific period of time 30 days to 5 years. Minimum deposit is $500 Choose between Redeemable and Non-Redeemable Interest is accrued daily and paid monthly to a related account Prime account holders qualify for 1/4% bonus interest rate on a minimum deposit of $5,000. over one year. 18 www.eccu.ca

Investments AgriInvest AgriInvest helps producers manage small income declines. Each year, producers can make a deposit into an AgriInvest account, and receive a matching contribution from federal and provincial governments. Producers have the flexibility to withdraw the funds at any time to cover small margin declines or for risk mitigation and other investments. AgriInvest is part of the Growing Forward suite of federalprovincial-territorial Business Risk Management programs. Growing Forward is a commitment to Canada s agriculture sector that s focused on achieving results, reflects input from across the sector, and delivers programs that are simple, more effective and tailored to local needs. Monthly Savings Plan (MSP) Looking for a convenient way to save for that special purchase or yearly bill? Earn more money and reach your savings goal sooner with a Monthly Savings Plan. Setup a MSP by convenient weekly, bi-weekly or monthly debits. Your account earns compounded monthly interest at a special interest rate. This plan is locked-in with a one year maturity date from the date of your first deposit. However, you may collapse your plan at anytime by request. A $5 fee will apply to cancel the plan before the maturity date. Cards and pre-authorized payments are not permitted on this savings account. Mutual Funds A complete line of Ethical Funds and Credential TM Portfolio Funds are offered through Credential Financial Strategies. See page 16 for additional information. Mutual funds are offered through Credential Asset Management Inc. Unless otherwise stated, mutual fund securities and cash balances are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits in credit unions. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. Credential and TM Credential & Design are registered marks and trademarks owned by Ethical Funds Inc. and are used under license. 19

Investments Index-Linked Index-Linked term deposits are fixed term deposits that pay a return based on the performance of the stock market. No matter what happens to the stock market, you are guaranteed the return of your principal when your deposit matures. You have the security of knowing that your principal is protected. You also have the potential to earn a return in excess of a standard term deposit. There are no fees or commission and they are RRSP eligible. Registered Education Savings Plan (RESP) A RESP is a government approved plan for the purpose of providing post-secondary education funding for a beneficiary. The contributions to a RESP are not tax deductible however, the income earned within the plan is not taxed until it is withdrawn. The government will contribute 20% annually on the first $2,500 deposited into a RESP. Some restrictions apply. Inquire for more details. Tax Free Savings Account (TFSA) The TFSA is a registered savings account that allows you to earn investment income tax-free inside the account. Quick facts: Interest earned in a TFSA is exempt from taxes No income tax to pay when contributions are withdrawn Contribution limit is $5,000 per year Contributions are not tax deductible Investment product options available TFSA-HISA 1 to 5 year Non-Redeemable Term Deposit 3 and 5 year Index-Linked Term Deposits For more information, visit our website or www.tfsa.gc.ca. 20 www.eccu.ca

Lending Personal Loans Évangéline-Central Credit Union provides a full range of lending services designed specifically to satisfy all our members needs. Personal loans are available for any worthwhile purpose. Flexible payment plans are designed to meet your individual cash flow stream. Life, disability and critical illness insurances are available at low rates. You can receive a discount on the interest rate if you fully secure the loan with certain investments at Évangéline-Central Credit Union. Business Loans Évangéline-Central Credit Union provides a full range of lending services designed specifically to satisfy all our business members needs. Flexible payment plans are designed to meet your individual cash flow stream. Student Loans We offer student loans and lines of credit to our members attending post-secondary education (upon approval). These are not government approved loans. They are personal loans where monthly interest payments are required while the student is at school. Payments of principal and interest start after the course is complete or that the student ends their studies. Mortgages Variable or fixed, conventional or high ratio, you have flexibility and choice at your credit union. Our mortgages are designed to meet your needs and our mortgage experts will guide you through the mortgage process. Competitive rates; Pre-approvals available; Low cost life, disability, critical illness and loss of employment insurances available; No application fee; Weekly, biweekly, or monthly repayment schedules; Property tax amount can be collected each month; Financing available for 95% with CMHC insurance. 21

Lending & Insurances Line of Credit (LOC) Suite of products This product handles those situations that demand cash now not later. We offer: HOME EQUITY LOC (HELOC) : Your home is used as security on this type of loan and you can qualify from a minimum of $10,000 to a maximum of $50,000 of equity. Attach a Choice Rewards Gold Global Payment MasterCard free for the first year (first two cards only). PRESTIGE LOC :You can qualify from $5,000 to $35,000 unsecured. Attach a Choice Rewards Gold Global Payment MasterCard free for the first year (first two cards only). POCKET MONEY LOC :You can qualify up to $5,000. Line of Credit Insurance You can help secure your family s financial freedom with life, disability and critical illness Line of Credit Insurance. If you have a Line of Credit of $50,000 or less, you are automatically pre-qualified. If your Line of Credit is over $50,000, there are only a few health questions to answer. Joint coverage is available. The cost of the insurance is very minimal. Ask for a quote and more details today. Reduce your interest rate by 0.50% when you sign-up for Choice Rewards points program. Reduce your interest rate by an additional 0.50% when you add insurances to your Line of Credit. Member Term Life Insurance This level term coverage is only available on commercial lines of credit. Maximum coverage is up to the line of credit limit. In the event of your death, the policy will pay off the insured line of credit to a maximum of $2,000,000 up to age 75. The CUMIS Group Limited (CUMIS) partners with credit unions to deliver competitive insurance and financial solutions. CUMIS principal companies are CUMIS Life Insurance Company and CUMIS General Insurance Company. CUMIS also has a 50 per cent interest in Credential Financial Inc. CUMIS is jointly owned by Co-operators Life Insurance Company and Central 1 Credit Union. 22 www.eccu.ca

Insurances Life, Disability, Critical illness and Loss of Employment Insurances (on Loans & Mortgages only) Life insurance and Critical illness insurances are an economical financial safeguard that can pay your loan or mortgage balance and relieve your spouse or family of the financial stress. Disability and Loss of Employment insurances pay your monthly loan/mortgage payments (with maximums). These payments are tax-free. With protection, you can feel confident that years of saving and building wealth are not lost during a few short months of disability or loss of employment. It s a sensible choice for the uncertainties of today s workplace. Ask for details. Travel Insurance Whether you are still in school, well into retirement, a world traveler or off on a quick weekend escape, there is no reason to take a break from coverage. Have a better Trip. The CUMIS Travel Insurance Program offers you: Security With the CUMIS Travel Insurance Program you can enjoy your vacation without worrying about medical bills or the cost of an interrupted trip. Up to $5 million in out-of-province coverage for emergency hospital and doctor visits. Affordable Coverage The most unique feature about the CUMIS Travel Insurance Program is the way our rates are calculated. Your rate is based on where you plan to travel, the duration of your trip and your age, some plans are as low as $2 a day. You pay according to your destination, whether you are traveling for business, pleasure or studies. Coverage can begin as soon as you need it - even today. Convenience Purchasing the coverage couldn t be easier - to select your plan, give CUMIS a call at 1-877-885-2847. 23

Other Products MemberDirect Imagine the total convenience of 24-hour on-line access to your accounts. Instead of waiting in line, all you have to do is open MemberDirect on-line access through the Internet. You can manage your money at home or your business anytime of the day or night, when it suits your schedule. In fact, it lets you do almost anything you can do at the Credit Union. Your Personal Access Code (PAC) guarantees that your system is completely security-assured. You ll be amazed at how easy it is to use. With just a few keystrokes, you can view transactions, pay bills, transfer funds and a whole lot more. With MemberDirect on-line access, you can: transfer funds between accounts, view and print your statement information for up to a year, pay bills directly to participating vendors, search for specific account information, etc. Ask for a Personal Access Code to get started. Mobile Text Banking Gives you access to balances and transaction history by using your mobile phone. Setup your phone through MemberDirect today! (standard text messaging rates may apply depending on your provider and plan) Mobile Web Banking Gives you access to balances and transaction history, pay bills, transfer funds, manage scheduled bills and transfers, find a branch or ATM nearby and view our most popular rates by using your mobile phone. Simply go to www.eccu.ca/m 24 www.eccu.ca

Other Products Interac E-Transfers Interac e-transfers allows you to send money in minutes to anyone with an email address or mobile phone and an account at a Canadian credit union or bank. The process is simple, convenient and secure. It's a great alternative to cheques and cash. Find it under the Transfer Money Tab in MemberDirect. TeleService / TelPay Gain easy access 24 hours a day, seven days a week to your Credit Union accounts from your office, your home or even your favorite vacation spot anywhere in North America! With TeleService, your account information is at your fingertips from any touchtone phone. Use it for up-to-the-second deposit and loan account balances, transaction history on your accounts since your last statement to the last ten transactions, account transfers on deposit accounts and pre-arranged monthly bill payments via TelPay. With TelPay, you can enjoy the convenience of paying your bills with no line-ups, no cheques to write, no postage, no hassles and no delays. Your transactions are completely confidential. No one can gain access to your account without your Telephone Access Code, so you can rest assured that your account and transaction information is safe and secure. 1-800-963-4848 25

Other Products Night Deposit For businesses who can t make it in during our business hours, we have a secure night deposit service. All you have to do is purchase a key and bag. Your deposit will be credited to your account on the next business day. Safety Deposit Box Keep your legal documents safe by placing them in one of our Safety Deposit Boxes for a yearly fee. Check our branch locations for availability and sizes. Travellers Cheque We offer US and Canadian American Express travellers cheques. Merchant Program First Data provides full service merchant card processing that enables credit union merchants to accept MasterCard, VISA, American Express, Diners Club, and Interac direct payment transactions. With an electronic terminal accepting multiple methods of payment, you save time and money. For existing merchants, contact 1-888-263-1938. For new accounts, contact 1-506-721-4353. Property Tax All members with an Évangéline-Central Credit Union mortgage can choose to have their property tax bill for their primary residence be paid automatically. All you have to do is sign the form that sends your bill to us and setup a monthly deposit account where the funds will be withdrawn to pay the bill on the date due. There is no fee for this service. 26 www.eccu.ca

Services Charges ATM Debit & Global Payment Cards FREE Transaction at any Credit Union ATM (Acculink & The Exchange Networks) $1.25 Transaction at any other financial institution ATM in Canada (Interac network) $3 Transaction at any Credit Union or financial institution ATM outside of Canada (PLUS network) FREE Electronic Bill Payments at the ATM (EBP) $10 per re-order of a lost or misplaced Debit Card or Global Payment MasterCard within the same year NOTE: All ATM deposits are subject to verification ATM MasterCard Credit Card transactions $2 cash advance at an ATM in Canada $3.50 cash advance at an ATM outside Canada $4 cash advance over-the-counter in Canada $4.85 cash advance over-the-counter outside Canada Personal chequing accounts $1.25 minimum maintenance fee $0.55 per personal cheque, pre-authorized payments, cash o-t-c and ICU withdrawals $0.30 per Debit Card transaction $0.33 per Global Payment MasterCard transaction $10 per non-encoded personal cheques with or without a written account number Business Chequing accounts $2.25 minimum maintenance fee $0.70 per business cheque, pre-authorized payments, cash o-t-c and ICU withdrawals $0.30 per Debit Card transaction $0.39 per Global Payment MasterCard transaction $10 per non-encoded business cheques with or without a written account number $2 non-personalized deposit book 27

Services Charges Daily Interest Chequing for Personal or Business $2.25 monthly maintenance fee $0.55 per personal cheque, pre-authorized, over-the-counter or ICU withdrawal $0.70 per business cheque, pre-authorized, over-the-counter or ICU withdrawal FREE 1 cheque, pre-authorized, over-the-counter or ICU transaction per $1,000 minimum balance US Chequing Personal Account* $2 fee on the first 3 transactions in a month $0.65 per cash or personalized cheque withdrawal in excess of 3 transactions during a month US Chequing Business Account* $5 fee on the first 7 transactions in a month $0.80 per cash or personalized cheque withdrawal in excess of 7 transactions during a month All US Chequing Accounts* $1 per $100 of Travellers cheque $5 US Draft $30 send a US wire All Chequing Accounts $30 cheque returned due to insufficient funds $7.50 cheque overdraws the account $15 charge for returned unpaid items (NSF, stale-dated or post-dated, etc.) deposited to your account (or cashed) but drawn on someone else s account $8 charge per stop payment request with all details $12 charge per incomplete stop payment request $6 charge for member requesting certification $1.50 Send an Interac E-Transfer FREE Receive an Interac E-Transfer *This account is not covered under CUDIC. 28 www.eccu.ca

Services Charges Package Accounts $4.95 MasterPlan Basic (15 transactions) $10.95 MasterPlan Standard (40 transactions) $19.95 MasterPlan Plus (unlimited transactions) $6.50 MasterPlan E-chequing (40 transactions) FREE Student Plan (25 transactions) FREE Prime Account (50 transactions) Shares $0.75 per over-the-counter withdrawal and ICU withdrawal SmartSave $0.55 per pre-authorized debit, over-the-counter and ICU withdrawal $0.30 per debit card transaction 5 free pre-authorized, over-the-counter or ICU withdrawals per month. Transfers $5 Phone transfers $5 To any Canadian financial institution using TelPay $30 Wire transfer to any financial institution Search/Trace Charge $3 for retrieving account items at member s request $30 per hour per staff involved in extensive search minimum charge $30.00 $10 fee for placing a trace on an item at member s request Monthly Savings Plan $5 fee for collapsing the plan before the maturity date Bills payments $1 over-the-counter charge for each bill payment 29

Services Charges Money Orders and Drafts $5 Canadian Money Order ($1,000 limit) $5 Credit Union Draft $5 US Draft from an É-CCU US chequing account $7 US Draft $7 International Draft $5 Request for a refund of lost/stolen CDN Money Order or US Draft Night Deposit All payable in advance $40 per year for 1 bag and key $20 per year for each additional bag $10 for issuing a key $20 per 100 disposable bags Travel Insurance As per policy prices Travellers cheques 1 % of purchase amount Canadian currency 1 % of purchase amount plus exchange US currency É-CCU MasterCard Debit Cards (annual fees) FREE Global Payment MasterCard $96 Gold Global Payment MasterCard $36 for each additional Gold Global Payment MasterCard $35 to order a rush card MasterCard Credit Cards (annual fees) $150 Platinum Class MasterCard $40 for each additional Platinum Class MasterCard $96 Gold MasterCard credit card $36 for each additional Gold MasterCard $75 Business MasterCard with Cash Back feature (per consolidated pay or individual pay account) $35 Low Fee Gold MasterCard $12 for each additional Low Fee Gold MasterCard $30 Low Rate MasterCard $12 Low Fee MasterCard $0 No Fee MasterCard $0 Student MasterCard $35 to order a rush card * 30 www.eccu.ca

Services Charges Choice Rewards $12 per year for Gold or Standard Global Payment MasterCard debit cards per personal chequing account $24 per year for Gold or Standard Global Payment MasterCard debit cards per business chequing account $24 per year for a Gold, Low Fee Gold, Low Rate or Student MasterCard credit card $12 per year for a Low Fee MasterCard credit card RRSP, RRIF or TFSA $35 transfer fee to any other financial institution Tax-Free Savings Account (TFSA) registered investment $5 per withdrawal High Interest Savings Account (HISA) $5 per cash withdrawal, pre-authorized payments, direct payment, in-branch transfer, ATM withdrawal, bill payment by: in-branch, ATM, Telephone and Internet Bank Confirmation $30 written report done on your behalf Printed paper statements with cheque images Personal Accounts $2 picked-up in-branch $3 mail out Business Accounts Free picked-up in-branch $3 mail out Prime Accounts Free picked-up in-branch $2 mail out All Accounts Free Electronic Statement provided through MemberDirect and Mobile Web Banking - 31

Services Charges Safety Deposit Boxes Évangéline & Tyne Valley branches : $35 per year for a small box (1-1/2 x 5 x 24 ) $45 per year for a large box (2-1/2 x 5 x 24 ) O Leary branch: Ranges from $35, $45, $75 to $110 according to the size - A lost key and/or drilling with a new key, member will be charged according to the invoice received from the company - All payable in advance Standby letter of credit $25 Annual fee for a non-profit organization $50 Annual fee for a commercial account Irrevocable letter of credit application fee of 1.5% of the amount being authorized Personal Lending $39 per loan unsecured $59 per loan with security documents $15 per late payment over 5 days $45 É-CCU mortgage renewal fee (waived for all 5 year terms or MasterPlan Plus accounts) Charges will apply to re-register or renew a PPSA Business Lending $200 Ship mortgage Commercial loan application and/or review fees are applicable $15 per late payment over 5 days $59 Register or renew a General Security Agreement (GSA) 32 www.eccu.ca

Services Charges Inactive Accounts Any member who has a share, chequing and/or savings account in which there has been no activity for a period of 12 months or more will be charged a monthly maintenance fee of $2 for balances up to $25 and a $25 per year maintenance fee for balances over $25. This will apply to accounts with a balance lower than $500 and without a loan, mortgage or investment. FREE SERVICES Free to all members at Évangéline-Central Credit Union. Please see reference pages for more information about these services. TeleService Telephone Banking pg. 23 TelPay Telephone Bill Payment pg. 23 MemberDirect Online Banking pg. 24 Mobile Text Banking pg. 24 Standard text messaging rates may apply depending on your provider and plan. Mobile Web Banking pg. 24 Property Tax Bill Payments pg. 26 Business Payroll Service (inquire in-branch) Please note: All charges and fees are subject to change without notice. 33

Definitions Acculink: refers to the Canadian Credit Union network of Automated Teller Machines. Interac : refers to the Canadian Network of all Automated Teller Machines of all financial institutions. Plus: refers to the International (non-domestic) Network of Automated Teller Machines. Direct Deposit: refers to electronically based credit transactions such as your pay from work, government payments, etc. Interac Direct Payment : refers to the network that retailers access when processing Direct Payment transactions. Pre-Authorized Payments: refers to electronically based debit transactions that have been pre-approved by you. For example: life insurance premiums, cable payments, etc. 34 www.eccu.ca

Phone Numbers Évangéline-Central Credit Union Évangéline 854-2595 fax: 854-3210 O Leary 859-2266 fax: 859-3219 Tyne Valley 831-2900 fax: 831-2902 Credential Financial Services Rod MacInnis 888-5530 Sharon Gallant 853-6020 Lost or stolen cards 1-800-567-8111 MasterCard Cardholder Services 1-800-561-7849 CardLink 1-888-561-7849 AgriInvest 1-866-367-8506 MemberDirect 1-888-273-3488 TeleService 1-800-963-4848 Choice Rewards Merchandise 1-888-546-5487 Travel 1-888-264-3031 First Data For existing merchants 1-888-263-1938 For new accounts 1-506-721-4353 35

Websites Évangéline-Central Credit Union www.eccu.ca MemberDirect www.eccu.ca MasterCard www.cucardsonline.com Choice Rewards www.choicerewards.ca SecureCode www.securecode.com/cumastercard Atlantic Central www.focusedonme.ca Credit Union Central of Canada www.cucentral.ca Government Student loans www.studentloan.pe.ca www.canlearn.ca AgriInvest www.agr.gc.ca/agriinvest Printed on April 1 st, 2013 36 www.eccu.ca