Box 2500, 447 Market AvenueGrand Forks BC V0H 1H0

Tel: 250-442-5511 Fax: 250-442-5644www.gfdscu.com

® Registered trademarks, used under licenseStaff photo by LAuRA WiLBy PHoToGRAPHy

Design by Empire New Media

B u s i n e s s B a n k i n gYour Options

You want access to people who know you and your community. Rely on our business expertise and understanding of local challenges. At GFCU, we offer affordable account package options to suit the needs of all sizes of business, professional practices, and community groups and organizations. We make our decisions right here. Bank on us.

“ “

Effective October 1, 2012

ChEquing ACCOuntsPay-As-You-goThis account is designed for members with a small business who require few withdrawals each month.

Maximizer® for Business This is a chequing account delivering daily interest.

Features Pay-As-You-Go Maximizer® for Business

Monthly fee $3.25* $3.25Monthly limit of assisted and self-service withdrawals

N/A

Business cheque order At costInterest N/A Tiered** Statement Monthly

(+ cheque images)MemberCard® FreeDeposits FreeAssisted service withdrawals: in branch, cheques, transfers, bill payments, etc.

$.75

Self service withdrawals: Interac®, Cdn Credit Union ATM, MemberLink®, MemberDirect®, pre-authorized bill payments, etc.

$.75

Non Credit Union ATM transactions (CDN)

$2.00

International ATM transactions (incl. US)

$3.00

Line of Credit monthly fee $5.00*Monthly fee is waived if $1,000 is maintained in account for full month**Calculated on closing daily balance; paid to account monthly

us Chequing for BusinessThis is a pay-as-you-go account designed for our business members who need to transact in U.S. dollars.

Features

Monthly fee $5.00 USDMonthly limit of assisted and self-service withdrawals

N/A

Business cheque order At costInterest Tiered*Statement MonthlyDeposits FreeAll withdrawals incl. in branch, cheques, transfers, etc.

$1.25 USD

*Calculated on closing daily balance; paid to account monthly

Community Builder ChequingThis is a free account including 15 withdrawals per month.

Features – For local Not-for-Profit Groups * Charities * Service Clubs

Monthly fee NoneMonthly limit of assisted and self-service withdrawals.

15

Business cheque order At costInterest N/AStatement Monthly

(+ cheque Images)MemberCard® FreeDeposits FreeAssisted service withdrawals: in branch, cheques, transfers, bill payments, etc.

Over monthly limit $.75

Self service withdrawals: Interac®, Cdn Credit Union ATM, MemberLink®, MemberDirect®, pre-authorized bill payments, etc.

Over monthly limit $.75

Non Credit Union ATM transactions (CDN)

$2.00

International ATM transactions (incl. US)

$3.00

Line of Credit monthly fee $5.00

Business Chequing Value PacksChoose the business pack that best meets your needs for an affordable low monthly fee.

Features 25 Pack 50 Pack 75 Pack 100 Pack 150 Pack 200 Pack

Monthly fee $20 $38 $55 $70 $100 $130Monthly limit of assisted and self-service withdrawals

25 50 75 100 150 200

Business cheque order At costStatement Monthly (+ cheque images)MemberCard® FreeDeposits FreeAssisted service withdrawals: in branch, cheques, transfers, bill payments, etc.

Over monthly limit $.75

Self service withdrawals: Interac®, Cdn Credit Union ATM, MemberLink®, MemberDirect®, pre-authorized bill payments, etc.

Over monthly limit $.75

Non Credit Union ATM (Cdn) $2.00International ATM transactions (incl. US)

$3.00

Line of Credit monthly fee $5.00

All financial institutions in Canada are required to develop and implement policies and practices that ensure compliance with the laws and regulations that govern their operations. On behalf of our members, we always take these legal obligations very seriously.The Proceeds of Crime, Money Laundering, and Terrorist Financing Act is one of the pieces of legislation that apply. In order to be compliant with the Act, all financial institutions in Canada are required to have on file current identification for all customers who do business with that financial institution. The identification must also be in a form that is prescribed by the Act. Please be assured, we will only ask for what is necessary to be compliant with the law.Your personal information is safe, secure, and kept in confidence.

Members’ Personal identification

Credit Unions are a safe place to deposit. Deposits are 100% insured by the Credit Union Deposit Insurance Corporation (CUDIC) of British Columbia. The government is empowered to guarantee CUDIC borrowings.

Credit Union DepositInsurance Corporation

of British Columbia

sign up today for FREE e-statements!

Convenient

safe

green

smart

We store your statements for 7 years.

You access your statements through our secure online banking.

We save trees.

We all save money.

help our environment, improve your security, & protect yourself against identity theft.“

“

Business Bonus savingsOur premium Business Savings account is for business members who have larger balances and don’t want to place their money into term deposits. Interest is tiered, calculated on a closing daily balance, and paid monthly.

Features

Monthly fee NoneMonthly limit of assisted and self-service withdrawals

5

Interest Tiered*Statement Monthly MemberCard® FreeDeposits FreeAssisted service withdrawals: in branch, cheques, transfers, bill payments, etc.

Over monthly limit $5.00

Self service withdrawals: Interac®, Cdn Credit Union ATM, MemberLink®, MemberDirect®, pre-authorized bill payments, etc.

Over monthly limit $5.00

Non Credit Union ATM transactions (CDN)

$2.00

International ATM transactions (incl. US)

$3.00

Cheques $5.00 ea*Minimum deposit $5000 calculated on closing daily balance; paid monthly

how can we help?

sAVings ACCOunts

Basic Business savingsOur free Business Savings account suits businesses that have few transactions each month, such as HST and small/moderate savings needs. Interest is paid on every dollar on deposit, calculated on the closing daily balance, and paid semi-annually.

Features

Monthly fee NoneMonthly limit of assisted and self-service withdrawals

5

Interest Flat rate*Statement AnnuallyMemberCard® FreeDeposits FreeAssisted service withdrawals: in branch, cheques, transfers, bill payments, etc.

Over monthly limit $.75

Self service withdrawals: Interac®, Cdn Credit Union ATM, MemberLink®, MemberDirect®, pre-authorized bill payments, etc.

Over monthly limit $.75

Non Credit Union ATM transactions (CDN)

$2.00

International ATM transactions (incl. US) $3.00*Calculated on closing daily balance; paid to account semi-annually

Our new ChiP-embedded MemberCard makes a safe payment system

more secure.

ATM Drop Deposit for Business Members

Have you

wonderedcan do at our

what you

Ask us about the convenience of making your business deposits at our ATMs...

...anytime, day or night.

Community Builder savingsThis account includes free withdrawals and interest paid on every dollar on deposit, calculated on the closing daily balance, and paid semi-annually.

Features – For local Not-For-Profit Groups * Charities * Service Clubs

Monthly fee NoneMonthly limit of assisted and self-service withdrawals

15

Business Cheque Order N/AInterest Flat rate*Statement AnnuallyMemberCard® FreeDeposits FreeAssisted service withdrawals: in branch, cheques, transfers, bill payments, etc.

Over monthly limit $.75

Self service withdrawals: Interac®, Cdn Credit Union ATM, MemberLink®, MemberDirect®, pre-authorized bill payments, etc.

Over monthly limit $.75

Non Credit Union ATM transactions (CDN)

$2.00

International ATM transactions (incl. US)

$3.00

Line of Credit monthly fee N/ACheques $5.00 ea

*Calculated on closing daily balance; paid to account semi-annuallyATMs?