service charges we re here for you.

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1 service we re here for you.

2 Effective January 1, 2010 chequing account fees Self-service (SS) withdrawal Any electronic withdrawal from a Credit Union/EXCHANGE ATM in Canada, MemberDirect and TeleTouch Banking withdrawals and transfers; Interac Direct Payment; pre-authorized debits, cleared cheque withdrawals, etc. Assisted-service (AS) withdrawal Any withdrawal that requires the assistance of an Interior Savings employee including branch withdrawals, transfers, cheques etc. Transaction & over limit transaction fees AS withdrawals $0.80 Cleared cheques $0.60 SS withdrawals $0.50 (excludes cleared cheques) personal chequing accounts Basic Chequing $3.00 monthly fee plus transaction fees monthly fee and transaction fees are waived if minimum monthly balance exceeds $2,000.00* Self Service Packs 25 Pack $ SS withdrawals per month* Unlimited Pack $10.00 unlimited SS withdrawals per month* total service packs 10 Pack $ SS/AS withdrawals per month* 25 Pack $ SS/AS withdrawals per month* 60 Pack $ SS/AS withdrawals per month* $10.00 safety deposit box discount Unlimited Pack $13.00 unlimited SS/AS withdrawals per month* $10.00 safety deposit box discount * Excludes Interac, US, and International ATM withdrawals. 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.

3 Senior Package (ages 60+) no fee, available on either a chequing or Plan24 Savings 60 SS/AS withdrawals per month* $5.00 safety deposit box discount optional paper statement available at no charge optional paper cheque images available at $1.25/month MyChequing for young adults age $5.00 monthly fee unlimited SS/AS withdrawals per month* Fat Cat (ages 0-12) & Youth (ages 13-17) Packages for members aged 17 and under no fee, available on either a chequing or Plan24 Savings account 25 SS and 5 AS free withdrawals per month* US Chequing withdrawals, transfers, cheques etc. $0.75 each personal savings accounts Investment Savings 2 free SS/AS transfers per month over limit transfers, and any withdrawals, $5.00 each 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 T-Bill Savings 5 free SS/AS withdrawals per month* over limit withdrawals, transfers, etc. $1.25 each Plan24 and Tax Savings 2 free SS/AS withdrawals per month* over limit AS withdrawals $1.00 each over limit SS withdrawals $0.50 each * Excludes 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. Valid only on transfers within Interior Savings Credit Union

4 General Service Charge Items Fee Account closed within 90 days of opening Personal and business account $20.00 Junior account $10.00 ATM user fees (plus account withdrawal fee) Withdrawals at any Credit Union/ EXCHANGE ATM in Canada Over limit $0.50 Interac ATM withdrawals in Canada $1.75 US ATM withdrawals $2.00 International ATM withdrawals $4.00 Business deposit book for non-business accounts per book (plus GST) $4.00 Canadian cheque in US funds $10.00 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 Package and some Total Service Packs $6.00 Funds transfer Phone request or to cover overdraft $5.00 Electronic Money Transfer (sent) $1.50 Electronic Money 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 MASTERCARD MasterCard cash advance ATM charge Any Credit Union/EXCHANGE ATM in Canada $2.00 Interac ATMs $2.00 US & International ATMs $3.50 Rush application (within 10 days) $35.00/card MasterCard is a registered trademark of MasterCard International Inc. Used with permission by the Credit Union. General Service Charge Items Overdraft Fee $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 Transfer to another institution (excludes non-competing credit unions) $35.00 Safety deposit boxes (does not include GST) 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 $5.00 discount for Senior Package Drilling box Cost, $ minimum Replace key $15.00 Stop payment Full details provided $10.00 Full details not provided $15.00 Set up on MemberDirect Banking $8.00 Notice of Service Charge Increases Members will be informed of service charge increases either in writing 30 days in advance, or by a notice posted in our branches 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)

5 branch locations other services Ashcroft Barriere Chase Clearwater Lillooet Merritt Kamloops Tranquille Valleyview Summit Lansdowne Kelowna Kelowna Rutland Mission Orchard Centre Glenmore Lake Country Okanagan Falls Oliver Osoyoos Vernon Westbank Commercial Services Centres Kamloops Kelowna Kelowna ISCU (4728) Toll free outside Kelowna area ISCU (4728) MemberDirect Internet Banking AC156-01/10 w e r e h e r e f o r y o u.