FEDERAL CREDIT UNION

INTEREST RATES ON LOANS

Signature Loan (Maximum $15,000.00)

5 years		9.50% APR
4 years		8.75% APR
3 years		7.75% APR
2 years		7.25% APR
1 year		6.50% APR

Share Secured Loan (90% of Share Balance) — 3.50% APR

New Auto Loan

7 years		6.75% APR
6 years		5.50% APR
5 years		4.75% APR
4 years		4.50% APR
3 year		4.25% APR

Used Auto Loan

5 years		4.75% APR
4 years		4.50% APR
3 years		4.25% 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 .75% $5,001 - $20,000 1.25% $20,001 - $50,000 1.50% $50,001 & over 1.75% Membership Fee (Per member one time fee) .25 Initial Deposit to Open Account $100.00 LOC - OVERDRAFT PROTECTION 12% APR

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 2008

Board Members:

Chairperson		Dennis Kaloi
Vice-Chairperson		William Chang
Secretary		Tracy Hayashi
Treasurer		Michael Tanaka
Member		Gerald Yuh
Member		Glenn Masuda
Member		Robert Katsura

Credit Committee Members

Chairperson		Luana Wakabayashi
Sacretary		Melanie Correa
Member		Pauline Nakata

Supervisory Committee Members

Chairperson		James Makio
Member		Peter Akamu
Member		Steven Makio