Internationalites Federal Credit Union

Savings                                  Rate                APY

$30.00-$200.99                 0.75%            0.7521%

$201.00-$4999.99            0.75%            0 .7521%

$5000.00-$9999.99         1.00%             1.0038%

$10000.00 and up             1.00%            1.0038%

Rates as of 01/01/2010

Dividend rates are reviewed and set quarterly

Certificates      Minimum        Rate          APY

6 Month            $1,000.00       1.75%      1.762%

12 Month          $1,000.00       2.00%          2.016%

12 month          $20,000.00    2.25%         2.273%

Rates as of 1/01/2010

Christmas Club           Rate                  APY

$30.00 and up             1.00%              %

Schedule of Fees

Opening of Membership                 $30.00

Share Draft Fees:

Monthly service Charge                $5.00 per month

                      (for balances less than $500.00)

Insufficient Funds                            $22.00 per item

Stop Payment Order                       $15.00 per check

Check Copy                                        $2.50 per check

Overdraft Protection                      $10.00

Dormant Savings Account           $5.00 per month

Deposited Item Return Fee            $22.00 per item

Replacement Card                           $5.00 per card

If an account is closed within 90 days of opening, a $15.00 early closing fee will be charged.