01

The UCU Prime Rate (“UCU Prime”) is the variable annual interest rate published by Ukrainian Credit Union Limited (UCU) from time to time as the UCU Prime Rate and is used as UCU’s reference interest rate to determine the interest rate applicable to certain credit products provided by UCU in Canadian dollars in Canada. With respect to certain mortgage products, the UCU Prime Rate is also referred to in UCU’s mortgage documentation as the “Basic Mortgage Rate.” The current UCU Prime Rate is published on our website at ukrainiancu.com/rates.

02

The High Interest Savings Account (HISA) rate applies to a maximum deposit of $750,000.00 per member. Interest on High Interest Savings Accounts is calculated each day by multiplying the interest rate applicable to the account by the daily closing balance (as at 11:30 p.m. Eastern Time) and paid monthly in the currency of the account on the last day of the month or the following business day.

03

Only one interest rate applies to the daily closing balance (as at 11:30 p.m. Eastern Time) based on the applicable tier. Interest will be calculated each day by multiplying such daily closing balance by the interest rate for the tier to which such daily closing balance corresponds.

04

These mortgage rates are only available for new first priority mortgages on already built, owner-occupied properties with amortization periods of 25 years or less and are subject to meeting UCU’s credit granting criteria.

05

Special rates are discounts off of posted rates and available for select members who qualify.

06

This mortgage rate is only available to members with less than 20% down payment, purchasing a residential property valued at under $1,500,000, who are eligible for and purchase mortgage default insurance and meet other conditions.

07

A new car is a passenger vehicle not older than the current model year for brand new vehicles minus two (2) prior model years.

08

A used car is a passenger vehicle older than the current model year for brand new vehicles minus two (2) prior model years.

09

A recreational vehicle is a non-commercial vehicle which is an R.V., camping trailer, snowmobile, or personal watercraft (but not a boat or other marine vessel)

10

Rate applies only if the deposit to which the rate applies has been on deposit for more than 90 days, otherwise the rate is 0.00%.

11

All interest rates are expressed as annual rates applicable to each deposit term. All rates are promotional, available for a limited time, and subject to availability at the time of deposit. Rates applicable to “new money” deposits are limited to money deposited by the member from another financial institution to make a qualifying deposit. Unless otherwise specified on the Certificate of Deposit issued at the time the deposit is made, term deposit and GIC products are not redeemable before maturity. All GICs and term deposits are subject to membership conditions and the terms of the Certificate of Deposit, including, the method of interest calculation, interest payment, and if applicable, the ability to redeem before maturity and the applicable interest payable as of the date of redemption or maturity