Personal Accounts. Simplify and save on day-to-day banking.

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1 Personal Accounts Simplify and save on day-to-day banking.

2 Optimizer This smart account ensures that you don t need to guess how many transactions you will make or their type Optimizer does the work and you pay the lowest possible fees! Only pay for what you use, but never more than $12 for regular transactions. It s really that easy. Each month, our smart system calculates and charges the lowest possible fee, you don t have to do a thing No monthly fee and pay regular transaction fees to a maximum of $12, at which time, enjoy unlimited transactions Monthly fee waived with minimum monthly balance Elite If you already know that you do a lot of transactions, and you want an account with all the bells and whistles, we offer the Elite account. $22 a month for unlimited transactions A host of premium extras such including INTERAC e-transfers, 5 free non-credit union ATM transactions and 5 free ATM transactions outside of Canada Earn interest on your account and the monthly fee is waived if a minimum balance of $5,000 is maintained throughout the month. Tax Free Savings Account (TFSA): Grow your savings tax-free. Visit us online or in-branch to learn more.

3 Home Free Available only to members with a Mountain View HELOC or HomePlan Plus. This free, unlimited transaction account is our way of saying thanks for your business. $0 monthly fee a $12 value. Free unlimited basic transactions, including self-serve * in-branch and cheques. Free in-branch or electronic bill payments. Summit Savings Account Help your savings account live up to its name by using it for saving. There s no monthly fee, and you get two transactions per month, all while you earn real interest on your deposit. Summit Savings is an easy way to save: No monthly fee. Two free in-branch or self-serve * debits per month, then $5.00 each. Free deposits. Interest is calculated on the daily closing balance and paid monthly. Interest is earned on all account balances, but with higher rates for higher balances. Go online or ask at your local branch, for current tiers and rates. Sign up for the accounts you need at your local Mountain View Credit Union branch. See our website or ask in-branch for additional transaction and other account-related fees. * Self-serve transactions include withdrawals/transfers/bill payments at: point-of-sale, Canadian Credit Union ATMs, automated fund transfers, online/mobile banking.

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5 Mountain View Credit Union is committed to helping owners win. To do that, we help our owners get the features they need for easy day-to-day banking. No matter how you prefer to bank, selecting the right account is simple. See for yourself. Pick one. Start banking. Easy, right? Other Services to help you succeed Overdraft Protection: a revolving credit that gives you the flexibility to borrow and repay as much as you need up to your authorized limit. Overdraft Protection ensures you always have enough in your account to cover your transactions. Attaches to your existing chequing account. Only pay interest on the funds used. Convenient you always have extra funds available, without having to re-apply for a loan. Ways to Bank: in-branch, ATM, point-of sale with your MEMBER CARD debit card, online or with our mobile app. Bank how, and whenever, you want. Talk to the friendly, knowledgeable staff in your local branch to open an account.

6 Account Details Optimizer Elite Home Free Summit Savings TFSA Savings Monthly Fee Monthly Fee waived with minimum monthly balance Tier Monthly Fee Debits included mmb to Waive Fee 1 $ $12.00 Unlimited $2,500 $22.00 $0 ($12 value) $0.00 $0.00 Transactions included in fee No monthly fee and pay regular transaction fees ($0.80 or $1.50 as detailed below) to a maximum of $12, at which time, enjoy unlimited transactions Unlimited Unlimited 2 2 $5,000 available only to members with a HELOC or HomePlan Plus In-branch debits and cheques $0.80, considered a regular transaction Free Free 2 free in-branch debits per month then $5.00 Self-serve debits (point-of-sale, Canadian Credit Union ATM, automated fund transfers, online/mobile banking) 2 free per month $0.80, considered a regular transaction Free Free then $5.00 In-branch bill payment $1.50, considered a regular transaction Free Free Canadian Credit Union ATM bill payments $1.50, considered a regular transaction Free Free Electronic self service fund transfers between MVCU accounts Free Free Free Free Deposits (in-branch or electronic) Free Free Free Free Free ATM non Credit Union within Canada $ free then $1.50 $1.50 $5.00 ATM Outside Canada $ free then $5.00 $5.00 $5.00 Interac e-transfer $1.50 Unlimited $1.50 $1.50 Electronic Overdraft Protection $3.00 $3.00 $3.00 $3.00 Statement estatement & online cheque viewing Free Free Free Free Free Paper statement mailed with images $2.00 Free to opt back in $2.00 $2.00 Free Interest One rate for entire balance Tiered based on balance One rate for entire balance

7 Owners really do win. When we say that we work hard to deliver a positive banking experience for our owners, it s not just a statement we live our values every day. We know that offering straightforward account packages helps members save money and feel confident that they are making sound financial decisions. It s doing the right thing and building lifelong relationships on shared trust. That s how we all win. 13 locations to serve you. MEMBER CARD is a registered certification mark owned by Credit Union Central of Canada, used under license. INTERAC e-transfer is a trade-mark of Interac Inc. Used under license. #MVCU.09.16