Service Fees Effective February 1, 2008 Personal Chequing Accounts (H60) Maximizer® Accounts (H60) ATM - Cirrus® Network*** $3.00 ATM - Interac® Network*** $1.50 Electronic Debit Items** $0.50 Paper Debit Items* $0.80 Statement / Maintenance Fee $1.00 The above service charges (Interac® and Cirrus® charges not included) will be waived on Personal (Estate accounts not included) and Organizational accounts if the minimum monthly account balance is over $2,000. Special Savings® (H60) Plan 24 Savings® (H60) Regular Savings® (H60) ATM - Cirrus® Network*** $3.00 ATM - Interac® Network*** $1.50 Cheques Written on Plan 24 or Special Savings $5.00 Electronic Debit Items** $0.50 Paper Debit Items* $0.80 Statement / Maintenance Fee $1.00 Investment Savings Account One Free Debit transaction Per Month.  Each Additional Debit Item $5.00 SuperRate® Accounts ATM - Cirrus® Network*** $3.00 ATM - Interac® Network*** $1.50 Electronic Debit Items** $1.50 Paper Debit Items* $1.50 Statement / Maintenance Fee $1.00 This account is not available to organizations and businesses. Fat Cat / Headstart® No Statement Fee, No Service Charges Except: ATM - Cirrus® Network*** $3.00 ATM - Interac® Network*** $1.50 Safety Deposit Box Annual Rent† 1 1/2" x 5" $35.00 2 1/2" x 5" $48.00 2 1/2" x 10" $75.00 5" x 10" $125.00 10" x 10" $230.00 10" x 15" $250.00 H60 Discount $5.00 MasterPlan® Discount $5.00 Search Fees† MC Photo Retrieval of Valid Items $5.00 Search of Records: Min. Charge $15.00 Search of Records: Per Hour $30.00 Wealth Management† (Starting at...) Trust Services Estate Planning (Includes a Legal Will) Couple $200.00 Single Person $150.00 Estate Administration Account Setup $75.00 Additional Bond of Indemnity $25.00 Hourly Fee $60.00 Minimum Charge $75.00 Official Orders $10.00 Transfer or Redemption of Assets $25.00 Financial Planning Financial Planning Hourly Fee $60.00 Income Tax Preparation: Minimum Charge (Includes up to one Hour Preparation Time) $75.00 Each Additional Half Hour $75.00 Night Depository Charges† Annual Fee $40.00 Disposable Bags Free Overdraft Charges (Applicable to all Accounts) Any cheque creating unauthorized overdraft $5.00 Ttemporary Overdraft Protection $20.00 Transfer by Credit Union to cover overdraft $5.00 Other Service Charges (Applicable to all Accounts) Balance of Accounts Letter $10.00 Bank Confirmation (each) $25.00 Bill Payment - Direct Debit $0.50 Bill Payment Error Adjustment Fee $15.00 Bill Payment (H60) - TCU Internet Banking, TeleService® & Direct Debit $0.50 Bill Payment - Over Counter $2.00 Bill Payment through NON-TCU ATM $5.00 Cheque Cashing (For Non-Member) $5.00 Cheques Certified (For Member) (H60) $5.00 Cheques Certified (For Non-Member) $8.00 Cheques Returned N.S.F. $40.00 CHOICE Rewards® Annual Fee $24.00 Closing Account Fee (90 days of opening) $15.00 Coin Deposit Fee 1.5% of deposit Copy of Imaged Item $1.00 Credit Union Draft (For Member) (H60) $5.00 Credit Union Draft (For Non-Member) $8.00 Duplicate RRSP Receipt $10.00 Duplicate Account Statement $5.00 Electronic/Loan Payment Returned NSF $40.00 Foreign Cash (For Non-Member) $5.00 Foreign Currency Drafts (For Member) $10.00 Foreign Currency Drafts (For Non-Member) $15.00 Improperly Encoded Cheques $5.00 Improperly Encoded Pre-Authorized Debits/Credits $5.00 Inactive Account Administration $15.00 Informal Interim Account Statement $5.00 Inter-Account Telephone Transfers $5.00 Interest Paid Letter (Loans & Deposits) $10.00 Items Sent On Collection $15.00 Manual Line of Credit Transfer $5.00 Money Orders - Canadian (For Member) (H60) $5.00 Money Orders - Canadian (For Non - Member) $8.00 Non-Standard Statment $7.50     Notary Public/Commissioner of Oath Services (For Non-Member) $20.00 Personalized Cheques (H60) At Cost Post Dated Cheques Held (per cheque) $2.00 Post Dated Item Deposits in ATM $5.00 Pre-Authorized Payments (Per Credit) $0.25 Pre-Authorized Payments (Set Up) $50.00 Replace Lost Cards (3rd & Subsequent) $20.00 Returned Items $5.00 RRIF Unscheduled Payments(2nd & Subsequent) $25.00 RRSP withdrawal(2nd & Subsequent) $25.00 Sask RRIF Administration Fee $500.00 Stop Payment (Complete Information) $12.50 Stop Payment (Incomplete Information) $20.00 Stop Payment (Money Order) $25.00 Stop Payment U.S. / Foreign Currency Drafts $40.00 Stop Payment (Recurring) Complete Information $20.00 Stop Payment (Recurring) Incomplete Information $27.00 Transfer Balance of Account to another Institution $20.00 Transfer Registered Plans to another Institution $25.00 Transfer Registered Plans to another Institution (if held less than one year) $100.00 Travellers Cheques (H60) 1% of Purchase U.S. Drafts (For Member) (H60) $10.00 U.S. Drafts (For Non -Member) $15.00 U.S. Cheque on Canadian Account $5.00 Wire Transfers (Incoming Bank) $20.00 Wire Transfers (Incoming Inter - CU) (Out of Province) $5.00 Wire Transfers (Outgoing Inter - CU) (In Province) $10.00 Wire Transfers (Outgoing  Inter - CU) (Out of Province) $20.00 Heritage 60® All service charges marked H60 will be waived for members age 60 or greater including no statement fee. H60 does not cover Interac® and Cirrus® ATM charges, service charges on a U.S. account, and bill payments made over the counter where Direct Payment, TeleService® or TCU Internet Banking are available. Symbol Key *  Paper Debit Items Include:   · Cheques and debits **  Electronic Debit Items Include:   * Credit Union ATM Network   · Pre-authorized debits   · Direct Payment of Bills   * Global MasterCard® Payment Card items   * Interac® Direct Payment   · Automatic Transfers   * TeleService® & Internet Banking Transfers and Bill Payments ***  Charged at time of transaction †  Taxes will be added where applicable Notes:   · All fees are subject to change without notice.   · Taxes will be added where applicable.   * ® TCU Financial Group is a registered user of marks. - -  t o p  o f  p a g e  - -