Flexible Banking Packages Everyone has different needs in a banking package. Which one of our packages best fits you? Effective July 1, 2013

Youth Student Pay As Basic Value Unlimited Start Life Good Life You Go Perfect if you… make a low make a are an active are under 18 are a post- Are 59+ years are an but consistent medium user who years of age secondary of age occasional user number of number of wants a student transactions transactions full suite of each month each month services Pay per Monthly Fee* $4 $9 $16 Free Free Free transaction

Day-to-day transactions 20 35 Unlimited 30 20 Unlimited

Fee waived with minimum monthly balance of Yes $1,000**

Interac® ATM Withdrawals*** 2 Free per month 2 Free per month

Interac® e-Transfer 2 Free per month 2 Free per month

Bank Drafts 6 Free/yr 12 Free/yr

Certified Cheques 6 Free/yr

$1 per All-in-One Statement Your choice of Monthly, Quarterly, or Annual Statements statement

Cheque Images $2 Free Free $2 $2 Free $2

One order of One order of One order of Personalized Cheques**** 50 per calendar 50 per calendar 50 per calendar year year year One-signature American Free Free Free Express® Travelers Cheques

* Fees apply to transactions above your package limit. ** Your monthly fee is waived if you keep a minimum daily closing balance of $1,000 throughout the month in the Canadian dollar chequing account of your choice. *** Only the fee normally charged by Alterna is waived. A surcharge by the ATM provider may apply. **** Limited styles, excludes US cheques Day-to-day transaction types included in a banking package are: • Cheques • Alterna and THE EXCHANGE® Network • Bill payments (In-, Online and • Pre-authorized payments ATM withdrawals and transfers Telephone banking) • Debit card payments (point of sale) • Withdrawals (In-branch, Online and • Transfers (In-branch, Online and Telephone banking) Telephone banking) Transactions included in package encompass activity on any account (chequing, savings, etc.) under the same portfolio number.

Alterna Savings 1.877.560.0100 1.866.560.0120 | alterna.ca

Alterna refers to Alterna Savings and Credit Union Limited (“Alterna Savings”) and its wholly owned subsidiary CS Alterna Bank (“Alterna Bank”). Personal Service Fees

Day-to-Day Transactions Deposit of foreign currency cheque to Canadian Account $5.00 These fees apply to Pay As You Go or if you exceed the number of Personalized cheque order Cost day-to-day transactions included with your banking package. Bank Draft $7.50 In-branch withdrawal/transfer $0.80 Stop Payment Cheque writing (CAD$ / US$ Accounts) $0.80 • full details $12.00 • full details not provided $15.00 Pre-authorized payment $0.80 Travelers Cheques (orders) $5.00 Interac® Debit $0.80 Foreign currency transaction CO-OP Network® and ACCEL® Network Debit Payment (US) $0.80 • Sell to member/client (US$ exempt) $2.00 Online and Telephone banking transfer $0.80 • Buy from member/client (US$ exempt) $2.00 Bill payment $0.80 • Buy/Sell to non-client (Alterna Bank FX Bureau only) $5.00 Alterna & THE EXCHANGE® (CDN) ATM • Shipping fee added to transactions under $250 $5.00 withdrawal or transfer $0.80 Credit Products Interac® e-Transfer Service Mortgage re-advancement $200.00 Send Interac® e-Transfer* $1.25 Mortgage discharge $230.00 Receive Interac® e-Transfer Free Transfer of mortgage to another financial institution $230.00 Other ATM Networks Interim financing $190.00 + interest Letter of Credit 1% of limit, $50.00 minimum These are network fees. A surcharge may be levied by the financial institution that owns the ATM. Miscellaneous Interac® ATM withdrawal $1.90 Investment 1 Free debit transaction** per month, THE EXCHANGE® (US), CO-OP Network® (US), additional debit transactions, $2.50 and Cirrus® (US) withdrawal $3.00 Account closed within 90 days of opening $25.00 Cirrus ® (international) ATM withdrawal $5.00 Chargebacks $5.00 Account Information Courier Cost Registered mail Cost All-in-One statement (per statement) $1.00 Wires Instant statement $3.25 • Incoming (additional fees may be charged Cheque images $2.00 by other parties involved) $10.00 ATM inquiry $5.00 • Outgoing $30.00 Letter of good standing $10.00 • Outgoing: Inquiries/tracing/cancellation/ , interest or misc. letter $10.00 amendment $25.00 Safety Deposit Box Search for items, cheques, Less than 90 days $5.00/item; • Rental (varies by size) $35.00 - $220.00 plus tax deposits, names, accounts, Greater than 90 days $10.00/item; • Drilling Cost vouchers and certified true Multiple items or lengthy searches • Key replacement $25.00/key plus tax copy of transaction images $40.00/hr, minimum $20.00 Inactive Account Copy of official account Less than 90 days $5.00/mth; • 2 yrs to 4 yrs $20.00 per year history statement(s) Greater than 90 days $10.00/mth • 5 yrs to 8 yrs $30.00 per year Bank Confirmation Minimum $25.00 each; • 9 yrs $40.00 (audit certificates) Detailed $40.00/hr Transfer of account to another institution $20.00 Bill Payment Trace Request Cost (minimum $15.00) RRSP withdrawal $25.00 Transfer of a registered plan to another institution Cheques & Foreign Currency (incl. RRSP, RRIF and TFSA) $50.00 Counter cheque (per item) $1.50 Item sent on Collection $30.00 Foreign currency cheque drawn on Item received on Collection $25.00 Canadian dollar account $15.00 PAD origination trace/recall $12.00 Certified cheque member/client request $10.00 Manual transfer to cover cheque/PAD $5.00 Certified cheque non-member/non-client request $15.00 ATM debit/credit adjustment notice $2.00 Holding post-dated cheque (per item) $2.50 Municipal property tax payment Cost Using non-MICR encoded cheque $4.50 Incorrectly encoded pre-authorized credit $10.00 * Regular account withdrawal fee may apply Late Deposit $10.00 ** Debit transactions include withdrawals, transfers and bill payments NSF cheque (includes current and future-dated cheques, electronic funds transfers, and bill payments) $42.50

AS1464E 04/13 (Effective: July 1, 2013)