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Business Services & FeesEFFECTIVE JANUARY 2018

Standard Service Fees

BUSINESS 1 CHEQUING ACCOUNTS

Deposits $2.00Deposit Anywhere™ Deposits $0.70Withdrawal/transfer – in-branch $1.00Cheque $1.00Pre-authorized payment $1.00Withdrawal/transfer/inquiry/decline – $0.70 KCU or THE EXCHANGE® Network ATMTransfer – online/mobile/telephone $1.00Interac®/Accel® POS – successful/declined/credit $0.70Bill payment – online/mobile/telephone $0.70Bill payment – in-branch $2.00Monthly account maintenance fee $5.00

BUSINESS 1 SAVINGS ACCOUNTS

Deposits $2.00Deposit Anywhere™ Deposits $0.70Withdrawal/transfer – in-branch $1.00Withdrawal/transfer/inquiry/decline – $0.70 KCU or THE EXCHANGE® Network ATMTransfer – online/mobile/telephone $1.00Interac®/Accel® POS – successful/declined/credit $0.70Bill payment – online/mobile/telephone $0.70Bill payment – in-branch $2.00

COMMUNITY ACCOUNT

Deposits $1.00Deposit Anywhere™ Deposits $0.70Withdrawal/transfer – in-branch $1.00Cheque $1.00Pre-authorized payment $1.00Withdrawal/transfer/inquiry/decline – $0.70 KCU or THE EXCHANGE® Network ATMTransfer – online/mobile/telephone $1.00Interac®/Accel® POS – successful/declined/credit $0.70Bill payment – online/mobile/telephone $0.70Bill payment – in-branch $2.00Monthly account maintenance fee $2.00

Standard Service Fees

REGISTERED CHARITY ACCOUNT

Exclusively designed for registered charities. The standard service fees and the monthly maintenance fee listed on the inside panel of this brochure are waived.

US DOLLAR ACCOUNT

Withdrawal/transfer – in-branch $1.00Cheque $1.00

ATM NETWORK

Interac® ATM withdrawal $1.50 plus applicable ATM feeCirrus® Network (U.S./International) $3.00 plus applicable ATM fee

Coin and Cash deposits may be subject to a $10-$50 fee.

CONTACT USIn Peterborough: (705) 743-9966Contact Centre: 1-855-670-0510

Anywhere in North America toll-free: 1-888-743-9966Or visit us online at www.kawarthacu.com

Business AccountsWe provide our business members with effective, convenient and competitive financial solutions. Our business account products include basic daily operating accounts and an interest savings account. Our business accounts pay competitive tiered interest rates on your credit balances. Interest is calculated on the daily closing balance and paid monthly.

Business 1 Chequing Account – The cost of deposits, withdrawals and other account transaction services are calculated according to the standard service fees and charged monthly. An account maintenance fee is applied to each account per month.

Business Packages – We offer a selection of plan options designed for small to mid-sized business members. Our plans are ideal for members looking for the convenience of a comprehensive business package, providing options with corresponding fixed monthly fees.

• Business Economy • $25.00 per month • Includes 35 transactions

• Business Advantage • $50.00 per month • Includes 75 transactions

• Business Deluxe • $100.00 per month • Includes 175 transactions

• Additional Transactions Transactions over the number included in each package option will be charged on a “per-use” basis at standard service fee pricing. Interac®/Cirrus® service fees are not included in business packages.

Business 1 Savings Account – The cost of deposits and other account transaction services are calculated according to the standard service fees and charged monthly.

Specialty AccountsCommunity AccountAn interest bearing chequing account designed for small local organizations. The cost of deposits, withdrawals and other account transaction services are calculated according to the standard service fees and charged monthly. A reduced (discounted) deposit fee and monthly maintenance fee provide a low cost business account for community organizations.

Registered Charity AccountAn interest bearing chequing account designed exclusively for registered charities. The standard service fees and monthly maintenance fee are waived. Additional account fees will apply. Only organizations with a registered charitable tax number are eligible for this account.

Cemetery Trust Account – A Care & Maintenance Trust Fund account fully compliant with The Funeral, Burial & Cremation Services Act, 2002.

Statutory Trust Accounts – Interest bearing accounts designed for lawyers, real estate and insurance professionals who administer client funds.

Additional ServicesMerchant ServicesKawartha Credit Union partners with affiliate companies to provide one stop processing services for MasterCard, VISA, American Express, Interac and other point of sale (POS) needs. Funds are deposited directly to your Kawartha business account. Our affiliates provide a variety of POS solutions to meet your business banking requirements. Please contact our branch representatives for referral information.

InvestmentsKawartha Credit Union offers a full range of investment options. Our Investment Specialists will be pleased to design an investment portfolio to meet the needs of your business.

Flexible Commercial Lending SolutionsAt Kawartha Credit Union, we know that every business is different and so are its financing requirements. Our suite of products offer competitive lending solutions and tiered interest rates. We are committed to helping you grow your business with flexible lending solutions, responsive service and quick turnaround on credit applications.

Commercial LoansFinancing is available to assist your business with the purchase of a new property or to renovate and expand existing premises. Financing is available for income generating properties, multi-residential units, plazas, shopping and retail centres, office buildings and industrial buildings. A full range of competitive rates, flexible repayment terms and options are available depending on the type of real estate and repayment capability.

Lines of CreditOur Line of Credit is a flexible lending solution designed to help you meet the day-to-day cash flow requirements of your business. With a pre-approved limit, funds are available for your business to borrow what is needed, when it is needed.

Small Business Flex-FinancingWe’re here for you through each stage of your business. Small Business Flex is geared towards entrepreneurs and is start-up friendly. It provides the ability to borrow funds as a Term Loan or Line of Credit. We offer competitive interest rates and the ability to secure loans for both new and existing businesses.

Agricultural LendingAt Kawartha Credit Union, we understand that farming is both a business and a way of life. Our Agricultural Specialists have extensive experience and local knowledge. We offer a wide range of agricultural credit products with the flexibility to help you grow your farm or agri-business. Together, we can tailor a solution to meet your unique financing needs.