Accounts

Effective Date - 21-May-2009

PERSONAL CHEQUING PACKAGE ACCOUNTS
ACCOUNT NAME	TRANSACTIONS	MONTHLY FEES	STATEMENT
KCU Basic Account	10 Transactions Free	$3.95/Month* *waived if minimum balance of $1000 is  maintained throughout  the month	Monthly statement fee waived if minimum balance of $1000 is maintained throughtout the month
KCU Value Account	25 Transactions Free	$9.95/Month** **waived if minimum balance of $2000 is maintained throughout the month	Monthly statement fee waived if minimum balance of $2000 is maintained throughout the month
KCU Supreme Account	All Transactions free if minimum balance of $5000 is maintained throughout the month	-	This package includes monthly statement

PERSONAL REGULAR ACCOUNTS
ACCOUNT NAME	FEES	OTHERS
Regular chequing account	Service charges apply per transaction/ plus monthly fees of $1.50 for statement	This package does not include passbook but have cheque writing privilege.Monthly statement included.
Plan 24	Service charges apply per transaction	This package includes passbook but no cheque writing privilege
Special Savings		This package includes passbook but no cheque writing privilege

SAVINGS/CHEQUING ACCOUNTS
ACCOUNT NAME	BALANCE	CAD
PLAN 24
	0-1999	0.100%
	2000-4999	0.100%
	5000-9999	0.150%
	10000-24999	0.250%
	25000-49999	0.350%
	50000-99999	0.500%
	100000+	0.750%
PLAN 24 - BUSINESS
	0-99999	0.10%
	100000+	0.50%
** Interest is paid on a tiered balance basis.
	CAD	USD
SPECIAL SAVINGS- PERSONAL	0.50%	0.25%
** Interest paid on the minimum monthly basis.