You only make a few transactions and want a low monthly fee.

Account Features:

• 15 transactions included for one monthly fee, including:

   ◦ Interac^® Direct Payment
   ◦ Credit union affiliated ATM networks (Surcharge-free access to over 4100 ACCULINK®
     and EXCHANGE^® ATMs throughout Canada)
   ◦ MemberDirect^® online banking
   ◦ TeleService^® telephone banking
   ◦ In-branch transactions
   ◦ Cheques
   ◦ Pre-authorized debits
   ◦ ICU ^® Services (Inter-Credit Union Services)

• Per item fee on excess of 15 transactions

• Interac^® (Canada) and PLUS* (International) ATM Networks give you access to ATMs around the world Surcharge fees may apply

• Overdraft protection available based on approved credit