SUMMARY OF FREE SERVICES Savings Withdrawals/Transfers Daily Savings Withdrawals/Transferes Personal Chequing (PCA) Withdrawals/Transfers U.S. Savings Withdrawals/Transfers U-Touch Telephone Banking Transactions Between Sub-Accounts Electronic Bill Payments Balance Inquiries Other Inquiries U-Acce$$ ATM Withdrawals (at UCU ATM’s) Deposits Transfers Inquiries First Card E-SERVICES CARD (First Card) Cheque Clearing (Personal Account) Administration of Monthly Chequing Statement First 50 Personalized Cheques Payroll Deposit / EFT / AFT Government Cheques Items Received on Collection, Incoming Pre-Deposit Verification Correction of a Deposit U.S. Account Withdrawals / Deposits U.S. Account Maintenance If U.S. Account If U.S. Account Pension Cheques                                                                       Principal Prepayment Pre-Approved Mortgage