FEDERAL CREDIT UNION

INTEREST RATES ON LOANS

Effective March 1, 2009 - June 30, 2010

Signature Loan (Maximum $15,000.00)

5 years		7.80% APR
4 years		7.30% APR
3 years		6.40% APR
2 years		5.70% APR
1 year		4.10% APR

Share Secured Loan (90% of Share Balance) — 3.00% APR

New Auto Loan

7 years		5.00% APR
6 years		4.80% APR
5 years		4.30% APR
4 years		4.00% APR
3 year		3.60% APR

Used Auto Loan

5 years		4.30% APR
4 years		4.00% APR
3 years		3.60% APR

Apprentice Book Loan

6 months		3.70% APR
12 months		3.70% APR

All loan applications are subject to approval by the Local Union 1186 IBEW FCU Credit Committee.

Rates and terms are subject to change.

For more details, inquire at 1935 Hau Street, Room 300 or call the credit union office at 848-1599 and for neighbor island, toll free 1-800-622-3830.

SHARE SAVINGS AND LOANS

SHARE SAVINGS Dividend Rate 0 - $5,000 0.25% $5,001 - $20,000 0.75% $20,001 - $50,000 1.00% $50,001 & over 1.25% Membership Fee (Per member one time fee) .25 Initial Deposit to Open Account $100.00 LOC - OVERDRAFT PROTECTION 12% APR Share Certificates (As of March 1, 2009) Annual Percentage Yield (APY) Minimum Opening Deposit 6-Month Account 0.75% $1,000.00 12-Month Account 1.00% $1,000.00 2-Year Account 1.50% $1,000.00 The APY are effective as of the date listed, and are subject to change without notice as determined by the credit union’s Board of Directors. An early withdrawal penalty may be imposed if withdrawal occurs before maturity.

SHARE ACCOUNT Share Account Minimum Balance $100.00 Early Closure Fee (Within 90 Days of opening) 15.00 Dormant Account Fee (3 years of no activity) 5.00 per quarter Service Fee (Balance under $100.00) 5.00 per month Stop Payment (Credit Union Check) 15.00 per check Deposited Item Return Fee 10.00 per item Copy of Statement 1.00 per page

SHARE DRAFT ACCOUNT (CHECKING) Share Draft Account Minimum Balance None Minimum Deposit to Open $20.00 Early Closure Fee (Within 90 days of opening) 15.00 Dormant Account Fee (No activity for 6 months) 5.00 per quarter Non-sufficient Funds 15.00 per draft Stop Payment - Draft 15.00 per draft Copy of Paid Draft 1.00 per page Overdraft Funds Transfer - per month 1-3 funds transfer No Charge 4 & over 5.00 per transfer

ATM CARD (Star System) Transcation Fee First Hawaiian Bank, Kalabash, and Co-Op Network ATM’s No Fee Other ATM’s $1.50 - $2.00 Per Transaction Lost Cards $15.00

YOUR FEDERAL CREDIT UNION OFFICIALS FOR YEAR 2010

Board Members:

Chairperson		Dennis Kaloi
Vice-Chairperson		William Chang
Secretary		Jayne Tom
Treasurer		Michael Tanaka
Member		Tracy Hayashi
Member		Damien Kim
Member		Robert Katsura

Credit Committee Members

Chairperson		Luana Wakabayashi
Secretary		Melanie Correa
Member		Pauline Nakata

Supervisory Committee Members

Chairperson		Peter Akamu
Member		Terry Uyehara
Member		Richard Galino