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Aloha! # Lifemaers. Federally insured by NCUA (808) 534.4300 or toll-free (800) 379.1300 hawaiiusafcu.com Welcome Kit for IEG FCU Members

Welcome Kit - Hawaii USA Fcu · 2017. 1. 23. · Welcome Kit for IEG FCU Members. 1 Table of Contents GENERAL QUESTIONS 5 FAQs 5 - 6 LOANS 7 PERSONAL 9 - 16 BUSINESS 17 - 18 BANKING

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Page 1: Welcome Kit - Hawaii USA Fcu · 2017. 1. 23. · Welcome Kit for IEG FCU Members. 1 Table of Contents GENERAL QUESTIONS 5 FAQs 5 - 6 LOANS 7 PERSONAL 9 - 16 BUSINESS 17 - 18 BANKING

Aloha!

# Lifematters.

Federally insured by NCUA (808) 534.4300 or toll-free (800) 379.1300 hawaiiusafcu.com

Welcome Kit for IEG FCU Members

Page 2: Welcome Kit - Hawaii USA Fcu · 2017. 1. 23. · Welcome Kit for IEG FCU Members. 1 Table of Contents GENERAL QUESTIONS 5 FAQs 5 - 6 LOANS 7 PERSONAL 9 - 16 BUSINESS 17 - 18 BANKING
Page 3: Welcome Kit - Hawaii USA Fcu · 2017. 1. 23. · Welcome Kit for IEG FCU Members. 1 Table of Contents GENERAL QUESTIONS 5 FAQs 5 - 6 LOANS 7 PERSONAL 9 - 16 BUSINESS 17 - 18 BANKING

1

Table of Contents

GENERAL QUESTIONS 5

FAQs 5 - 6

LOANS 7

PERSONAL 9 - 16 BUSINESS 17 - 18

BANKING 19 PRODUCT COMPARISON 21 - 28 PERSONAL 29 - 35 BUSINESS 36 ELECTRONIC SERVICES 37 - 38 MEMBER PROTECTION 39

FEES & DISCLOSURES 41 Schedule of Fees & Disclosures 42 - 64

# Lifematters.

Federally insured by NCUA (808) 534.4300 or toll-free (800) 379.1300 hawaiiusafcu.com

Pages:

Page 4: Welcome Kit - Hawaii USA Fcu · 2017. 1. 23. · Welcome Kit for IEG FCU Members. 1 Table of Contents GENERAL QUESTIONS 5 FAQs 5 - 6 LOANS 7 PERSONAL 9 - 16 BUSINESS 17 - 18 BANKING

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Thank you! On October 19, 2015, IEG Federal Credit Union members voted “yes” to ratify the proposed merger between IEG and HawaiiUSA Federal Credit Unions.

We graciously welcome IEG members to HawaiiUSA Federal Credit Union. The merger transition date is Tuesday, December 1, 2015. This Welcome Kit contains important information about the transfer of your IEG accounts to HawaiUSA, as well as other pertinent information. Please take a moment to read through the enclosed materials. IEG FCU’s management and staff will continue to serve you at the new HawaiiUSA IEG Branch, located at the same location: 375 Kekuanaoa Street in Hilo, Hawaii. Should you have any questions or concerns, please feel free to call them at (808) 961.6691.

Welcometo

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Frequently Asked Questions:Member Account Information

Will I have to apply for membership at HawaiiUSA?No, as long as your account(s) remain in good standing on the merger date they will automatically transfer and you will become a member at HawaiiUSA.

Will my member account number change?Yes. Your new member account number will be sent in a future mailing. Your new member account number will also identify any other deposit or loan product that has transferred over from IEG.

I am already a member of HawaiiUSA. What will happen to my accounts?Every IEG member will be issued a new HawaiiUSA account number even if they already have an existing HawaiiUSA account. HawaiiUSA allows each individual to have one primary account number.

If you now have two HawaiiUSA account numbers, please visit the HawaiiUSA IEG branch or any of our other branches to select one account number and close the other. If you are unable to visit the branch, please contact our Member Service Center for assistance.

Will my accounts still be insured during and after the merger?Yes, both IEG FCU and HawaiiUSA FCU are federally insured by the National Credit Union Administration (NCUA).

What will happen to the balances in my IEG account?All account balances on deposit with IEG FCU at the close of business of the merger date will automatically transfer into your new HawaiiUSA account.

What will happen if I have a Trust Account(s)?Your existing IEG Trust Account(s) will transfer to HawaiiUSA. If you used your Trust Accounts as your primary membership account, you will be contacted to open a personal primary membership account with HawaiiUSA.

Will I still receive IEG account statements?Yes. You will receive one last IEG statement for the month of November 2015 (received in December 2015). HawaiiUSA will send account statements beginning in December 2015 (received in January 2016). Members with electronic transactional activity during the statement period or draft accounts can expect to receive a monthly statement from HawaiiUSA. Members with no electronic transactional activity and no draft account will receive a quarterly statement for October 2015 through December 2015 (will receive in January 2016).

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Does HawaiiUSA have a Privacy Policy for its members?Yes. HawaiiUSA does provide its members a Privacy Policy or a Privacy Policy for California Residents. A copy of a Privacy Policy has been provided to you in the left side of the Welcome Kit folder. Please take a moment to read and review the policy. Should you have any questions, please visit the IEG Branch or contact our Member Service Center.

What will happen to the Cashier/Teller checks that I purchased at IEG?HawaiiUSA will honor teller checks (Cashier’s Checks) drawn on IEG. There may be certain exceptions based on HawaiiUSA’s operating procedures.

Can I still use the Money Orders I purchased at IEG FCU?Yes. Any Money Order purchased before the merger will still be honored.

Can I continue to use my VISA CU Money Travel Card/Gift Card?Yes. Your VISA CU Money Card(s) will still be valid.

Will I still have the same products or services?HawaiiUSA offers many products and services. If a specific IEG FCU product or service could not be retained, we can assist you in finding an alternative product or service that provides similar or better solutions.

Will the Correspondent Credit Union Agreement Service remain in place? Valley Isle Community, Hawaii County, Queen’s, and Hawaiian Tel Federal Credit Union For these institutions, IEG’s existing “Correspondent Credit Union Agreement,” which allows members to conduct business at select credit union branches within the state, will terminate on November 15, 2015. However, beginning on December 1, 2015, the official merger date, members will enjoy the ease and convenience of accessing their accounts at these institutions through HICUSO, of which HawaiiUSA is a participant. In addition to HICUSO’s Shared Branching Network, which allows members access to credit union branches in Hawaii, HawaiiUSA is a participant in the Co-Op, which has a vast network of shared branching institutions on the Mainland, and in some international countries.

Kauai Community Federal Credit Union On the Garden Isle, service will continue uninterrupted at Kauai Community Federal Credit Union.

HFS Federal Credit Union Service at HFS Federal Credit Union branches will no longer be available as of November 15, 2015.

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Loans

PERSONALMortgages & HELOCs

Auto Loans

Personal Loans & Lines of Credit

Credit Cards

BUSINESSBusiness Auto Loans

Business Loans & Lines of Credit

# Lifematters.

Federally insured by NCUA (808) 534.4300 or toll-free (800) 379.1300 hawaiiusafcu.com

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Mortgages

What will happen to my Mortgage Loan?After the merger, your current Mortgage Loan will continue to be serviced by CUSO of Hawaii. All balances, rates and terms as stated on the last day of business from IEG will automatically transfer to HawaiiUSA. HawaiiUSA will send a Notice of Mortgage Servicing mailer for more information.

Will my loan number change? No, your existing loan number will remain the same.

Do I need to revise my mortgage document? No, your revised mortgage document will be recorded with State of Hawaii Bureau of Conveyances for you. No action is necessary on your part.

Where do I remit my mortgage payments to?Mortgage payments will continue to be sent to CUSO of Hawaii. Should you need to mail in a payment, send it to:

CUSO of Hawaii Services, LLC c/o Payment Processing P.O. Box 30930 Honolulu, HI 96820-0930

Ph: (808) 539.0172 toll-free: (800) 708.2876 fax: (808) 440.0474 www.cusoofhawaii.com

Do I need to notify my insurance agent that my lender is changing? No. You will not need to contact your current insurance company. CUSO of Hawaii will manage the policy change from their side, adding HawaiiUSA as lender.

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Home Equity Line of Credit (HELOC)

What will happen to my current HELOC?After the merger, your current HELOC will continue to be serviced by HawaiiUSA. Please note that there may be some changes to your loan. All balances, rates and terms as stated on the last day of business from IEG will remain the same and automatically transfer over to HawaiiUSA. Please refer to the recent mailing of the Change of Terms Notice from IEG for more information.

Will my loan number change? Yes, your new member account number will be sent in a future mailing.

Do I need to revise my mortgage document? No, your revised mortgage document will be recorded with State of Hawaii Bureau of Conveyances for you. No action is necessary on your part.

How will I be notified about my payment amount and available balance? Shortly after the merger date, you will begin to receive your new HawaiiUSA monthly payment notices that will contain your current payment and balance information.

Where do I remit my HELOC payments to?HELOC payments can be made at the HawaiiUSA IEG Branch or any HawaiiUSA branch. Should you need to mail in a payment, send it to:

HawaiiUSA FCU 1226 College Walk Honolulu, HI 96817

*Please indicate that this is a payment for your HELOC account.

What happens if my payments were made via Automatic Payments? Please refer to the Electronic Services section of this booklet.

What if I pay my loan through Automatic Payroll Deductions? Please refer to the Electronic Services section of this booklet.

Will I continue to receive HELOC drafts? You may request new HELOC drafts to write against your loan. Please visit the IEG Branch or any HawaiiUSA branch, or contact our Member Service Center to initiate your request.

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How long can I continue to use my existing IEG HELOC Drafts? You can continue to use your IEG Drafts until November 30, 2015. After November 30, 2015 please destroy any remaining IEG Drafts and begin using your new HawaiiUSA Drafts that you received.

Do I need to notify my insurance agent that my lender is changing? Yes. You will need to contact your current insurance company to inform them that HawaiiUSA should now be listed as the lender on your policy. More information will be sent to you at a later date.

Can I still use my HELOC for overdraft protection? No. This service will no longer be available. Please refer to the recent mailing of the Change of Terms Notice for more information. If you would like more information on how you can obtain Overdraft Protection from HawaiiUSA, please visit our HawaiiUSA IEG Branch, log on to our website or contact our Member Service Center for more details.

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Auto Loans

What will happen to my current Auto Loan?After the merger, your current Auto Loan will will be serviced by HawaiiUSA. All balances, rates and terms as stated on the last day of business from IEG will automatically transfer to HawaiiUSA. Unfortunately, the Credit Agreement (Open End Plan Signatures) used for your IEG existing loan(s) will be discontinued. Any future loan request will require a new application. Please refer to the recent mailing of the Change of Terms Notice from IEG for more information.

Will my loan number change? Yes, your new member account number will be sent in a future mailing.

Do I need to revise my auto loan document? No, your auto loan documents (car title and registration) will automatically be taken care of by HawaiiUSA. IEG will remain as the lienholder until the loan is paid off. No action is necessary on your part.

How will I be notified about my payment amount and available balance? Shortly after the merger date, you will begin to receive your new HawaiiUSA monthly payment notices that will contain your current payment and balance information.

Where do I remit my Auto Loan payments?Payments can be made at any HawaiiUSA Branch. Should you need to mail in a payment, send it to:

HawaiiUSA FCU 1226 College Walk Honolulu, HI 96817

*Please indicate this is a payment for your Auto Loan account.

What happens if my payments are made via Automatic Payments? Please refer to the Electronic Services section of this booklet.

What if I pay my loan through Automatic Payroll Deductions? Please refer to the Electronic Services section of this booklet.

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Do I need to notify my insurance agent that my lender is changing? HawaiiUSA will accept insurance policies with IEG FCU listed as the lienholder on existing auto loans. For any auto loans made after November 30, 2015, members should list their insurance policies with the lienholder as follows: HawaiiUSA FCU 1226 College Walk Honolulu, HI 96817

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Personal Loans and Lines of Credit

What will happen to my current Personal Loan or Personal Line of Credit?After the merger, your current Personal Loan will continue to be serviced by HawaiiUSA. All balances, rates and terms as stated on the last day of business from IEG, will automatically transfer over HawaiiUSA.

If you have a Personal Line of Credit, please note that there may be some changes that affect your loan. For more details visit our HawaiiUSA IEG Branch, contact our Member Service Center or log on to hawaiiusafcu.com. Please refer to the recent mailing of the Change of Terms Notice from IEG for more information.

Will my loan number change? Yes, your new member account number will be sent in a future mailing.

Do I need to revise my Personal Loan or Line of Credit document? No, your Personal Loan or Line of Credit document will automatically be taken care of by HawaiiUSA. No action is necessary on your part.

How will I be notified about my payment amount and available balance? Shortly after the merger date, you will begin to receive your new HawaiiUSA monthly payment notices that will contain your current payment and balance information.

Where do I remit my Personal Loan or Personal Line of Credit payments?Personal Loan and Personal Line of Credit payments can be made at the HawaiiUSA IEG Branch. Should you need to mail in a payment, send it to:

HawaiiUSA FCU 1226 College Walk Honolulu, HI 96817

*Please indicate that this is a payment for your Personal loan or Personal Line of Credit account.

What happens if my payments are made via Automatic Payments? Please refer to the Electronic Services section of this booklet.

What if I pay my loan through Automatic Payroll Deductions? Please refer to the Electronic Services section of this booklet.

What if I pay my loan with Payment Coupons? HawaiiUSA will provide you with new coupons with the new mailing address upon your request. Payments are accepted at all of our branch locations.

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How long can I continue to use my existing IEG Personal Line of Credit Drafts? You can continue to use your IEG Drafts until November 30, 2015. After November 30, 2015 please destroy any remaining IEG Drafts and begin using your new HawaiiUSA drafts that you received.

When will I receive my new HawaiiUSA Personal Line of Credit Drafts? You will be receiving your new drafts by November 30, 2015. Should you not receive your drafts, please visit our HawaiiUSA IEG Branch or contact our Member Service Center for assistance.

Can I still use my Personal Line Of Credit for overdraft protection? No. This service will no longer be available. Please refer to the recent mailing of the Change of Terms Notice for more information. If you would like more information on how you can obtain an overdraft protection from HawaiiUSA, please visit our HawaiiUSA IEG Branch, visit our website or contact our Member Service Center for more details.

What if I have an existing insurance protection on my loan? Please see Credit Insurance Coverage on page 39.

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VISA Credit Cards

What will happen to my current VISA Credit Card?After the merger, you may continue to use your current VISA Credit Card until further notice. More information and details are forthcoming. You can expect your new HawaiiUSA Platinum VISA or Platinum VISA Rewards Credit Card sometime in May 2016.

How will I be notified about my payment amount and available balance? After the merger, your VISA Credit Card payment notices will continue to be sent by IEG’s current credit card carrier.

What happens if my payments are made via Automatic Payments? Please contact our HawaiiUSA IEG Branch for more details.

What if I pay my loan through Automatic Payroll Deductions? Please refer to the Electronic Services section of this booklet.

Will I continue to receive a VISA billing statement? Yes. You will continue to receive a VISA billing statement for your reference.

Where do I remit my VISA payments?After the merger, please continue to forward your payments by mail or through online bill payment directly to the credit card provider. Payments are accepted at all of our branch locations. Should you need to mail in a payment, send it to the address located on the current billing statement.

What will happen to my existing VISA Rewards Points? It is recommended that you redeem your VISA Reward Points right away. Once you receive your new HawaiiUSA Platinum VISA or Platinum VISA Rewards Credit Card, any existing Reward Points from your IEG Rewards Credit Card will be discontinued and non-transferable. More information and details are forthcoming.

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Business Loans and Lines of Credit

What will happen to my current Business Loan or Business Line of Credit?After the merger, your current Business Loan or Business Line of Credit will be serviced by HawaiiUSA. All balances, rates and terms as stated on the last day of business from IEG will automatically transfer to HawaiiUSA.

Will my loan number change? Yes, your new member account number will be sent in a future mailing.

Do I need to revise my Business Loan document? No, your revised Business Loan document will automatically be taken care of by HawaiiUSA. No action is necessary on your part.

How will I be notified about my payment amount and available balance? Shortly after the merger date, you will begin to receive your new HawaiiUSA monthly payment notices that will contain your current payment and balance information.

Where do I remit my Business Loan or Business Line of Credit payments?Business Loan and Business Line of Credit payments can be made at the HawaiiUSA IEG Branch. Should you need to mail in a payment, send it to:

HawaiiUSA FCU 1226 College Walk Honolulu, HI 96817

*Please indicate that this is a payment for your Business Loan or Business Line of Credit account.

How long can I continue to use my existing IEG Business Line of Credit Drafts? You can continue to use your IEG Drafts until November 30, 2015. After November 30, 2015 please destroy any remaining IEG Drafts and begin using your new HawaiiUSA drafts that you received.

When will I receive my new Business Line of Credit Drafts? You will be receiving your new drafts by November 30, 2015. If you do not receive your drafts, please visit our HawaiiUSA IEG Branch or contact our Member Service Center for assistance.

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Who can I contact if I need more information on Business Lending? Please contact the following for any existing or new business inquiries:

Bernard Balsis [email protected] Ph: (808) 961.6691 Regional VP, Hawaii Island Keven Matsuura [email protected] Ph: (808) 844.8285 VP, Business Lending

Josh Thompson [email protected] Ph: (808) 844.8489 Business Loan Officer

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Banking

PERSONALOnline Banking

Mobile Banking

Cards

Checking

Savings & Certificates

Member Protection

Services

BUSINESSBusiness Checking

Business Savings & Certificates

Business Cards

# Lifematters.

Federally insured by NCUA (808) 534.4300 or toll-free (800) 379.1300 hawaiiusafcu.com

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OD

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TS

Des

crip

tion

Rat

eA

nnua

l Pe

rcen

tage

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d (A

PY)

Com

men

t/ F

ees/

Not

es

Jum

p-St

art

0.10

%0.

10%

$1 A

ccou

nt s

ervi

ce fe

e$2

5 A

vera

ge d

aily

bal

ance

to

avoi

d

serv

ice

fee

$25

Min

imum

ope

ning

$100

Min

imum

bal

ance

to e

arn

APY

$25

Early

clo

sure

(with

in 9

0 d

ays)

Divi

dend

s com

poun

ded

& c

redi

ted:

Mon

thly

Div

iden

d pe

riod:

Cal

enda

r m

onth

Chr

istm

as

Shar

es0.

40%

0.40

%N

o m

inim

um o

peni

ng$1

00

min

imum

bal

ance

to

earn

APY

$5,0

00

max

imum

bal

ance

Min

imum

one

aut

o m

onth

ly d

epos

itD

ivid

ends

cre

dite

d: O

ctob

er 1

6D

ivid

end

Perio

d: M

atur

ity

Bus

ines

s Sh

are

0.10

%0.

10%

$1 A

ccou

nt s

ervi

ce fe

e$2

5 Ea

rly c

losu

re fe

e$5

Min

imum

bal

ance

to a

void

ser

vice

fee

$100

Min

imum

bal

ance

to e

arn

APY

$5 M

inim

um o

peni

ng (p

ar v

alue

)D

ivide

nds c

ompo

unde

d &

cre

dite

d: M

onth

lyD

ivid

end

perio

d: C

alen

dar

mon

th

IEG

rat

es e

ffec

tive

as o

f 4/

1/15

Haw

aiiU

SA r

ates

eff

ectiv

e as

of

5/1/

13

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23

DE

PO

SIT

PR

OD

UC

T C

OM

PA

RIS

ON

Des

crip

tion

Rat

eA

nnua

l Pe

rcen

tage

Yiel

d (A

PY)

Com

men

t/ F

ees/

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es

6 M

onth

C

ertif

icat

e0.

20%

0.20

%N

ot r

enew

able

/ N

on t

rans

fera

ble

90 d

ays

pena

lty fo

r ea

rly w

ithdr

awal

Incr

emen

ts o

f $1

,00

0$5

,00

0 m

inim

um o

peni

ngD

ivide

nds c

ompo

unde

d &

cre

dite

d: M

onth

lyD

ivide

nds p

erio

d: M

onth

ly

12 M

onth

Cer

tific

ate

0.35

%0.

35%

Not

ren

ewab

le /

Non

tra

nsfe

rabl

e90

day

s pe

nalty

for

early

with

draw

al$1

0,0

00

min

imum

ope

ning

Divi

dend

s com

poun

ded

& c

redi

ted:

Mon

thly

Div

iden

d pe

riod:

Mon

thly

IEG

FC

U D

EP

OSI

T P

RO

DU

CTS

Haw

aiiU

SA F

CU

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PO

SIT

PR

OD

UC

TS

Des

crip

tion

Rat

eA

nnua

l Pe

rcen

tage

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d (A

PY)

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men

t/ F

ees/

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es

6-M

onth

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ertif

icat

e(18

2 da

ys)

0.20

%0.

20%

Aut

omat

ical

ly r

enew

able

acc

ount

. D

ivid

end

rate

will

be

prev

ailin

g on

the

da

te o

f re

new

al. R

enew

al t

erm

is t

he

sam

e as

the

orig

inal

ter

m12

0 d

ays

divi

dend

s pe

nalty

for

early

w

ithdr

awal

on

amou

nt w

ithdr

awn;

no

char

ge if

with

in 1

0 d

ays

grac

e pe

riod

of m

atur

ityN

o ad

ditio

ns in

to t

he a

ccou

nt u

ntil

afte

r th

e m

atur

ity d

ate

$50

0 m

inim

um o

peni

ngD

ivid

ends

not

com

poun

ded

Cre

dite

d: a

t m

atur

ityD

ivid

ends

per

iod:

182

days

or a

t mat

urity

1-Ye

ar

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tific

ate

(365

day

s)

0.35

%0.

35%

Aut

omat

ical

ly r

enew

able

acc

ount

. D

ivid

end

rate

will

be

prev

ailin

g on

the

da

te o

f re

new

al. R

enew

al t

erm

is t

he

sam

e as

the

orig

inal

ter

m12

0 d

ays

divi

dend

s pe

nalty

for

early

w

ithdr

awal

on

amou

nt w

ithdr

awn;

no

char

ge if

with

in 1

0 d

ays

grac

e pe

riod

of

mat

urity

No

addi

tions

into

the

acc

ount

unt

il af

ter

the

mat

urity

dat

e $5

00

min

imum

ope

ning

Div

iden

ds c

ompo

unde

d: Q

uart

erly

C

redi

ted:

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rter

ly a

nd a

t m

atur

ityD

ivid

end

perio

d: Q

uart

erly

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crip

tion

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eA

nnua

l Pe

rcen

tage

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d (A

PY)

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men

t/ F

ees/

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es

Chr

istm

as

Savi

ngs

0.20

%0.

20%

$1,0

00

max

dep

osit

mon

thly

($12

,00

0 y

early

max

)N

o di

vide

nds

on e

arly

with

draw

al -

Acc

ount

mus

t be

clo

sed

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um o

peni

ngD

ivide

nds c

ompo

unde

d &

cre

dite

d: M

onth

lyD

ivide

nds p

erio

d: M

onth

ly

Bus

ines

s /

ME

Savi

ngs

Cal

l for

cu

rren

t ra

te

Cal

l for

cu

rren

tra

te

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min

imum

bal

ance

req

uire

d

Des

crip

tion

Rat

eA

nnua

l Pe

rcen

tage

Yiel

d (A

PY)

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men

t/ F

ees/

Not

es

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p-St

art

0.10

%0.

10%

$1 A

ccou

nt s

ervi

ce fe

e$2

5 A

vera

ge d

aily

bal

ance

to

avoi

d

serv

ice

fee

$25

Min

imum

ope

ning

$100

Min

imum

bal

ance

to e

arn

APY

$25

Early

clo

sure

(with

in 9

0 d

ays)

Divi

dend

s com

poun

ded

& c

redi

ted:

Mon

thly

Div

iden

d pe

riod:

Cal

enda

r m

onth

Chr

istm

as

Shar

es0.

40%

0.40

%N

o m

inim

um o

peni

ng$1

00

min

imum

bal

ance

to

earn

APY

$5,0

00

max

imum

bal

ance

Min

imum

one

aut

o m

onth

ly d

epos

itD

ivid

ends

cre

dite

d: O

ctob

er 1

6D

ivid

end

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d: M

atur

ity

Bus

ines

s Sh

are

0.10

%0.

10%

$1 A

ccou

nt s

ervi

ce fe

e$2

5 Ea

rly c

losu

re fe

e$5

Min

imum

bal

ance

to a

void

ser

vice

fee

$100

Min

imum

bal

ance

to e

arn

APY

$5 M

inim

um o

peni

ng (p

ar v

alue

)D

ivide

nds c

ompo

unde

d &

cre

dite

d: M

onth

lyD

ivid

end

perio

d: C

alen

dar

mon

th

IEG

rat

es e

ffec

tive

as o

f 4/

1/15

Haw

aiiU

SA r

ates

eff

ectiv

e as

of

5/1/

13

Page 26: Welcome Kit - Hawaii USA Fcu · 2017. 1. 23. · Welcome Kit for IEG FCU Members. 1 Table of Contents GENERAL QUESTIONS 5 FAQs 5 - 6 LOANS 7 PERSONAL 9 - 16 BUSINESS 17 - 18 BANKING

24

DE

PO

SIT

PR

OD

UC

T C

OM

PA

RIS

ON

Des

crip

tion

Rat

eA

nnua

l Pe

rcen

tage

Yiel

d (A

PY)

Com

men

t/ F

ees/

Not

es

Shar

e D

raft

s0.

00

%0.

00

%N

o m

inim

um b

alan

ce r

equi

red

$20

NSF

Fee

$10

min

imum

ope

ning

Divi

dend

com

poun

ded

& c

redi

ted:

Mon

thly

Div

iden

d pe

riod:

Mon

thly

Bus

ines

s/M

E Sh

are

Dra

fts

No

min

imum

bal

ance

req

uire

d$2

0 N

SF fe

e

IEG

FC

U D

EP

OSI

T P

RO

DU

CTS

Haw

aiiU

SA F

CU

DE

PO

SIT

PR

OD

UC

TS

Des

crip

tion

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eA

nnua

l Pe

rcen

tage

Yiel

d (A

PY)

Com

men

t/ F

ees/

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es

Shar

e D

raft

0.0

0%

0.0

0%

No

min

imum

bal

ance

d re

quire

d$2

9 N

SF fe

e$2

0 M

inim

um o

peni

ng

Bus

ines

s Sh

are

Dra

ft

Non

-pro

fit

Bus

ines

s Sh

are

Dra

ft

0.0

0%

0.0

0%

0.0

0%

0.0

0%

No

min

imum

bal

ance

req

uire

d$1

00

min

imum

ope

ning

$29

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fee

$5 A

ccou

nt s

ervi

ce fe

e$2

5 ea

rly c

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re fe

e$5

00

Ave

rage

dai

ly b

alan

ce t

o av

oid

se

rvic

e fe

e

$10

0 m

inim

um o

peni

ng

IEG

rat

es e

ffec

tive

as o

f 4/

1/15

Haw

aiiU

SA r

ates

eff

ectiv

e as

of

5/1/

13

Page 27: Welcome Kit - Hawaii USA Fcu · 2017. 1. 23. · Welcome Kit for IEG FCU Members. 1 Table of Contents GENERAL QUESTIONS 5 FAQs 5 - 6 LOANS 7 PERSONAL 9 - 16 BUSINESS 17 - 18 BANKING

25

DE

PO

SIT

PR

OD

UC

T C

OM

PA

RIS

ON

Des

crip

tion

Rat

eA

nnua

l Pe

rcen

tage

Yiel

d (A

PY)

Com

men

t/ F

ees/

Not

es

Mon

ey

Mar

ket

Shar

es

0.20

%0.

20%

Shar

es m

ay n

ot b

e us

ed a

s lo

an

co

llate

ral

$2,5

00

Min

imum

bal

ance

to

earn

APY

$2

,50

0 M

inim

um o

peni

ngD

ivide

nd c

ompo

unde

d &

cre

dite

d: M

onth

lyD

ivid

end

perio

d: M

onth

ly

IEG

FC

U D

EP

OSI

T P

RO

DU

CTS

Haw

aiiU

SA F

CU

DE

PO

SIT

PR

OD

UC

TS

Des

crip

tion

Rat

eA

nnua

l Pe

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d (A

PY)

Com

men

t/ F

ees/

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es

Prem

ium

M

oney

M

arke

t A

ccou

nt

(PM

MA

)

<$50

,00

0

$50,

00

0-$

74,9

99

$75,

00

0-$

99,9

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>$10

0,0

00

0.10

%0.

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0.25

%0.

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0.10

%0.

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0.25

%0.

30%

$20

Acc

ount

ser

vice

fee

$10

0 E

arly

clo

sure

fee

(with

in 18

0 d

ays)

$50,

00

0 A

vera

ge d

aily

bal

ance

to

av

oid

a se

rvic

e fe

e$5

0,0

00

Min

imum

ope

ning

Divi

dend

com

poun

ded

& c

redi

ted:

Mon

thly

Div

iden

d pe

riod:

Mon

thly

Des

crip

tion

Rat

eA

nnua

l Pe

rcen

tage

Yiel

d (A

PY)

Com

men

t/ F

ees/

Not

es

Shar

e D

raft

s0.

00

%0.

00

%N

o m

inim

um b

alan

ce r

equi

red

$20

NSF

Fee

$10

min

imum

ope

ning

Divi

dend

com

poun

ded

& c

redi

ted:

Mon

thly

Div

iden

d pe

riod:

Mon

thly

Bus

ines

s/M

E Sh

are

Dra

fts

No

min

imum

bal

ance

req

uire

d$2

0 N

SF fe

e

Des

crip

tion

Rat

eA

nnua

l Pe

rcen

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d (A

PY)

Com

men

t/ F

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es

Shar

e D

raft

0.0

0%

0.0

0%

No

min

imum

bal

ance

d re

quire

d$2

9 N

SF fe

e$2

0 M

inim

um o

peni

ng

Bus

ines

s Sh

are

Dra

ft

Non

-pro

fit

Bus

ines

s Sh

are

Dra

ft

0.0

0%

0.0

0%

0.0

0%

0.0

0%

No

min

imum

bal

ance

req

uire

d$1

00

min

imum

ope

ning

$29

NSF

fee

$5 A

ccou

nt s

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ce fe

e$2

5 ea

rly c

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re fe

e$5

00

Ave

rage

dai

ly b

alan

ce t

o av

oid

se

rvic

e fe

e

$10

0 m

inim

um o

peni

ng

IEG

rat

es e

ffec

tive

as o

f 4/

1/15

Haw

aiiU

SA r

ates

eff

ectiv

e as

of

5/1/

13

Page 28: Welcome Kit - Hawaii USA Fcu · 2017. 1. 23. · Welcome Kit for IEG FCU Members. 1 Table of Contents GENERAL QUESTIONS 5 FAQs 5 - 6 LOANS 7 PERSONAL 9 - 16 BUSINESS 17 - 18 BANKING

26

DE

PO

SIT

PR

OD

UC

T C

OM

PA

RIS

ON

Des

crip

tion

Rat

eA

nnua

l Pe

rcen

tage

Yiel

d (A

PY)

Com

men

t/ F

ees/

Not

es

IRA

0.

30%

0.30

%Pe

nalty

for

early

with

draw

al

with

exc

eptio

ns$5

min

imum

ope

ning

Divi

dend

s com

poun

ded

& c

redi

ted:

Mon

thly

Divi

dend

s per

iod:

Mon

thly

1-Ye

ar IR

A

Cer

tific

ate

Not

ren

ewab

le /

Non

tra

nsfe

rabl

e90

day

s pe

nalty

for

early

with

draw

alIn

crem

ents

of

$1,0

00

$10,

00

0 M

inim

um o

peni

ngD

ivide

nds c

ompo

unde

d &

cre

dite

d: M

onth

lyD

ivide

nds p

erio

d: M

onth

ly

IEG

FC

U D

EP

OSI

T P

RO

DU

CTS

Haw

aiiU

SA F

CU

DE

PO

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PR

OD

UC

TS

Des

crip

tion

Rat

eA

nnua

l Pe

rcen

tage

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d (A

PY)

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men

t/ F

ees/

Not

es

IRA

Sha

re

Rot

h IR

A

Shar

e

0.10

%

0.10

%

0.10

%

0.10

%

$10

0 m

inim

um o

peni

ng$1

00

min

imum

bal

ance

to

earn

APY

Divi

dend

s com

poun

ded

& c

redi

ted:

Mon

thly

Div

iden

d pe

riod:

Cal

enda

r m

onth

$10

0 m

inim

um o

peni

ng$1

00

min

imum

bal

ance

to

earn

APY

Divi

dend

s com

poun

ded

& c

redi

ted:

Mon

thly

Div

iden

d pe

riod:

Cal

enda

r m

onth

1-Ye

ar IR

A

Cer

tific

ate

1-Ye

ar

Rot

h IR

A

Cer

tific

ate

$10

0 m

inim

um o

peni

ng$1

00

min

imum

bal

ance

to

earn

APY

Divi

dend

s com

poun

ded

& c

redi

ted:

Qua

rterly

Div

iden

d pe

riod:

Qua

rter

ly

$10

0 m

inim

um o

peni

ng$1

00

min

imum

bal

ance

to

earn

APY

Divi

dend

s com

poun

ded

& c

redi

ted:

Qua

rterly

Div

iden

d pe

riod:

Qua

rter

ly

IEG

rat

es e

ffec

tive

as o

f 4/

1/15

Haw

aiiU

SA r

ates

eff

ectiv

e as

of

5/1/

13

Page 29: Welcome Kit - Hawaii USA Fcu · 2017. 1. 23. · Welcome Kit for IEG FCU Members. 1 Table of Contents GENERAL QUESTIONS 5 FAQs 5 - 6 LOANS 7 PERSONAL 9 - 16 BUSINESS 17 - 18 BANKING

27

DE

PO

SIT

PR

OD

UC

T C

OM

PA

RIS

ON

Des

crip

tion

Rat

eA

nnua

l Pe

rcen

tage

Yiel

d (A

PY)

Com

men

t/ F

ees/

Not

es

Clu

b A

ccou

nts

0.0

5%0.

05%

No

min

imum

bal

ance

req

uire

d$5

Min

imum

ope

ning

Divi

dend

s com

poun

ded

& c

redi

ted:

Mon

thly

Divi

dend

s per

iod:

Mon

thly

Trus

t 0.

05%

0.0

5%N

o m

inim

um b

alan

ce$5

Min

imum

ope

ning

Divi

dend

s com

poun

ded

& c

redi

ted:

Mon

thly

Divi

dend

s per

iod:

Mon

thly

IEG

FC

U D

EP

OSI

T P

RO

DU

CTS

Haw

aiiU

SA F

CU

DE

PO

SIT

PR

OD

UC

TS

Des

crip

tion

Rat

eA

nnua

l Pe

rcen

tage

Yiel

d (A

PY)

Com

men

t/ F

ees/

Not

es

Bus

ines

s Sh

are

0.10

%0.

10%

$1 A

ccou

nt s

ervi

ce fe

e$2

5 Ea

rly c

losu

re fe

e$5

Min

imum

bal

ance

to a

void

ser

vice

fee

$100

Min

imum

bal

ance

to e

arn

APY

$5 M

inim

um o

peni

ng (p

ar v

alue

)D

ivide

nds c

ompo

unde

d &

cre

dite

d: M

onth

lyD

ivid

end

perio

d: C

alen

dar

mon

th

Prim

e Sh

are

0.10

%0.

10%

$1 A

ccou

nt s

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ce fe

e$2

5 Ea

rly c

losu

re fe

e (w

ithin

90

day

s)$5

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Savings Account

What will happen to my existing Regular Share (Savings Account)?Your existing IEG Regular Share account will automatically be transferred over into a HawaiiUSA Prime Share Account. No action is necessary on your part. Please refer to the Fees and Disclosure section of this booklet for more account details.

What will happen to my existing Sub Share (Savings Account)?Your existing IEG Sub Share Account will automatically transfer over into a HawaiiUSA Secondary Share Account. No action is necessary on your part. Please refer to the Fees and Disclosure section of this booklet for more account details.

What will happen to my existing Youth Savings Account?Your existing IEG Youth Savings Account will automatically transfer over into a HawaiiUSA Safari Account (ages 0-12) or Jump-Start Account (ages 13-18). No action is necessary on your part. Please refer to the Fees and Disclosure section of this booklet for more account details.

What will happen to my existing Christmas Savings Account?Your existing IEG Christmas Share Account will automatically transfer into a HawaiiUSA Christmas Share Account. No action is necessary on your part. Existing Christmas Savings Accounts will remain open with a new maturity date of October 16, 2016, unless you request otherwise. Please refer to the Fees and Disclosure section of this booklet for more account details.

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Certificate Account

What will happen to my existing 6-Month Certificate?Your existing IEG 6-Month Certificate Account will automatically transfer over into a HawaiiUSA 6-Month Certificate (182 days) Account. No action is necessary on your part. Please refer to the Fees and Disclosure section of this booklet for more account details.

What will happen to my existing 12-Month Certificate?Your existing IEG 12-Month Certificate Account will automatically be transferred over into a HawaiiUSA One-Year Certificate (365 days) Account. No action is necessary on your part. Please refer to the Fees and Disclosure section of this booklet for more account details.

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Checking Account

What will happen to my existing Share Drafts Account?Your existing Share Drafts Account will automatically transfer into a HawaiiUSA Share Draft Account. No action is necessary on your part. Please refer to the Fees and Disclosure section of this booklet for more account details.

When will I receive my new HawaiiUSA checks? HawaiiUSA has ordered you a complimentary box of checks which you should receive by November 21, 2015. If you do not receive your new HawaiiUSA checks by November 21, 2015, please contact our Member Service Center for assistance.

How long can I continue to use my existing IEG checks? You can continue to use your IEG checks until November 30, 2015. Please do not use these checks after November 30, 2015; they will not be honored. We encourage you to begin using your new HawaiiUSA checks starting December 1, 2015. For security purposes, we advise you to shred your supply of IEG checks.

Checks that are written prior to November 30, 2015 will continue to be honored until February 29, 2016.

What if I have electronic payments set up with my Checking Account?Please refer to the Electronic Services section of this booklet.

How long can I continue to use my IEG Debit Card?You can continue to use your IEG Debit Card until November 30, 2015 (After that date your card will no longer be active). Transactions that were made prior to November 30, 2015 may take up to 45 days to clear.

When will I receive my new HawaiiUSA Debit Card?You should be receive your new HawaiiIUSA Debit MasterCard® by November 15, 2015. We recommend that you activate your new HawaiiIUSA Debit MasterCard® as soon as you receive it. Once your new card has been activated, we recommend that you destroy your existing IEG card on December 1, 2015 as it will no longer be active. Please refer to the Debit Card and ATM Agreement in the Fees and Disclosure section of this booklet. Effective December 1, 2015, you can begin using your HawaiiUSA Debit MasterCard® for purchases and ATM transactions.

What if I have electronic payments set up with my IEG Debit Card?Please refer to the Electronic Services section of this booklet.

Will I still have overdraft protection services on my Share Draft Account?Yes. Your current overdraft protection selections will transfer over to HawaiiUSA. In addition, for eligible member accounts, HawaiiUSA may pay items against your account up to $500 more than your account balance. Please see Courtesy Pay program in the Fees and Disclosure section for more information.

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Can I still use my HELOC / Personal LOC for overdraft protection? No. This service will no longer be available. Please refer to the recent mailing of the Change of Terms Notice for more information. If you would like more information on how you can continue an Overdraft Protection service from HawaiiUSA, please visit our HawaiiUSA IEG Branch, visit our website or contact our Member Service Center for more details.

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Money Market Accounts

What will happen to my existing IEG Money Market Share Account?If you have an existing IEG Money Market Share Account, it will transfer to a HawaiiUSA Premium Money Market Account (PMMA). No action is necessary on your part. Rates and terms may have changed. Please refer to the Fees and Disclosure section of this booklet for more account details.

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Individual Retirement Account (IRA) - Traditional and Roth

What will happen to my existing IEG IRA or Roth Savings Account?If you have an existing IEG Traditional IRA or Roth IRA Savings Account, these accounts will transfer to a HawaiiUSA Traditional IRA or Roth IRA Savings Account. No action is necessary on your part. Rates and terms may have changed. Please refer to the Fees and Disclosure section of this booklet for more account details.

What will happen to my existing IEG One-Year IRA or Roth Certificate Account?If you have an existing IEG Traditional IRA or Roth IRA Certificate Account, these accounts will transfer over to a HawaiiUSA Traditional IRA or Roth IRA Certificate account. No action is necessay on your part. Rates and terms may have changed. Please refer to the Fees and Disclosure section of this booklet for more account details.

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Existing IEG Trust Accounts

What will happen to my existing IEG Trust Savings Account?Your existing IEG Trust Account(s) will transfer to HawaiiUSA. If you used your Trust Accounts as your primary membership accounts, you will be contacted to open a personal primary membership account with HawaiiUSA.

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Business Savings Products

What will happen to my existing IEG Club Account?After the merger, your existing IEG Club Account will no longer be available. The account will automatically transfer to a HawaiiUSA Business Share Account. No action is necessary on your part. Please refer to the Fees and Disclosure section of this booklet for more account details.

What will happen to my existing IEG Business/ME Savings Account?After the merger, your existing IEG Business/ME Savings Account will no longer be available. The account will automatically transfer to a HawaiiUSA Business Share Account. No action is necessary on your part. Please refer to the Fees and Disclosure section of this booklet for more account details.

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Electronic Services

What if I currently have Direct Deposit/Payroll set up to my Checking or Saving Account(s)?Your existing Direct Deposit and Payroll will re-route to your new HawaiiUSA account for three months after the merger date. During this time period, please inform your direct deposit and/or payroll providers about your new HawaiiUSA account number and routing number to ensure there are no interruptions to the receipt of your deposit. Transactions with your IEG account information will be honored untilFebruary 29, 2016. Please visit our HawaiiUSA IEG Branch or contact our Member Service Center for more details.

What is HawaiiUSA’s routing number?HawaiiUSA’s Routing Number is: 321379410

What if I have Electronic Payments set up from my Checking Account?To ensure that your payments will continue to be processed, please contact those companies that process Electronic Payments from your Checking Account and inform them of your new HawaiiUSA account number and routing number. Transactions with your IEG account information will be honored until February 29, 2016.

What if I currently have Automatic Transfer service set up for my accounts?Your Automatic Transfer service between your IEG deposit accounts will automatically be set up with your new HawaiiUSA FCU account(s). Automatic loan payment transfers from your IEG Share or Share Draft Account to your IEG loan will automatically be set up with your new HawaiiUSA account(s).

What if I have Electronic Payments set up with my IEG Debit Card?To ensure that your payments will continue to be processed, please contact those companies that process automatic payments from your Debit Card and inform them of your new HawaiiUSA Debit Card number. Your IEG Debit Card will no longer be active after November 30, 2015. Be sure to check when your next payment will be processed; you may have to remit a manual payment during the set up process to avoid any late payment or fee.

What happens if my Consumer/Auto/HELOC loan payments are made via Automatic Payments? If your payments are automatically transferred from your IEG Share or Share Draft Account, payments will now be transferred from your new HawaiiUSA Share or Share Draft Account to your new HawaiiUSA loan.

If your payments are made through Automated Clearing House (ACH) from another institution, it is best to check that your payments will continue as scheduled. You may need to inform them that HawaiiUSA is the new lender to ensure future automatic payments are made. Be sure to check when your next payment is due. You may have to remit a manual payment during the set up process to avoid any late payment or fee. Transactions with your IEG account information will be honored until February 29, 2016.

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What if my Consumer/Auto/HELOC loan payments are made through Automatic Payroll Deductions? If you have a payroll deduction set up for your loan, please contact your payroll department to update your account information with your new HawaiiUSA account number and HawaiiUSA routing number. Transactions with your IEG account information will be honored until February 29, 2016.

What happens if I currently have Online Banking with IEG?After the merger, the Online Banking service with IEG will no longer be available. If you would like to use this service, you will need to enroll in the HawaiiUSA Online Banking service. For more information on how to enroll, visit our HawaiiUSA IEG branch, log on to hawaiiusafcu.com, or contact our Member Service Center.

What happens if I have currently have Online Bill Payment with IEG?After the merger, Online Bill Payment with IEG will no longer be available. If you would like to use this service, you will need to first enroll in HawaiiUSA Online Banking, and then sign up for Online Payment service. For more information on how to enroll, visit our HawaiiUSA IEG branch, log on to hawaiiusafcu.com, or contact our Member Service Center. Be sure to check when your next payment will be processed; you may have to remit a manual payment during the set up process to avoid any late payment or fee.

What if I currently have eStatements?After the merger, IEG eStatements will no longer be available. You can continue to receive this service by enrolling through HawaiiUSA’s Online Banking. For more information on how to enroll, visit our HawaiiUSA IEG branch, log on to hawaiiusafcu.com, or contact our Member Service Center.

Does HawaiiUSA offer Wire Transfer Services?Yes. HawaiiUSA provides members with both incoming/outgoing wire transfer services.

Incoming Wires: If you currently receive payroll or other funds by wire transfer, we encourage you to make the necessary updates with your service providers to provide instructions on how to receive funds using HawaiiUSA’s incoming wire instructions. Incoming wire instructions will be available at our HawaiiUSA IEG branch or by calling our Member Service Center.

Outgoing Wires: Please visit any of our branch locations and provide your wiring instructions. Only in-person wire transfers are accepted by HawaiiUSA.

For a breakdown on costs, please refer to HawaiiUSA’s Schedule of Fees in the Fees and Disclosure section. For any questions on wires, please visit our HawaiiUSA IEG Branch or contact our Member Service Center.

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Accidental Death and Dismemberment Coverage

What will happen to my current Accidental Death and Dismemberment (AD &D) Coverage on my IEG Consumer Loan(s) and/or VISA Credit Card? The existing IEG Accidental Death and Dismemberment (AD & D) coverage will transition to HawaiiUSA’s AD & D Program. There will be no change in rates for existing policyholders.

NOTE: You will receive a future IEG Accidental Death & Dismemberment mailer. This mailer was produced prior to the merger. PLEASE DISREGARD THE MAILING AS THE INFORMATION CONTAINED IS OUTDATED AND NO LONGER VALID.

Credit Insurance Coverage

What will happen to my current coverage on my IEG Consumer Loan(s) and/or VISA Credit Card?The existing credit insurance you purchased under the IEG group credit insurance policy will no longer be effective after November 30, 2015 because the group policy will terminate. You may elect to have your loan(s) protected by enrolling in a similar payment protection program. To ensure your loan(s) continues to be protected, you must enroll in a HawaiiUSA Protection Plan prior to December 1, 2015.

To find out which protection package best meets your needs, please contact our:

Member Protection Center Helpdesk ph: (808) 844.8279

You should also be receiving a notice from HawaiiUSA on behalf of CUNA Mutual in the near future, which contains information regarding your coverage options.

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Fees & Disclosures

# Lifematters.

Federally insured by NCUA (808) 534.4300 or toll-free (800) 379.1300 hawaiiusafcu.com

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COURTESY PAY DISCLOSURE

In this Courtesy Pay Disclosure (“Disclosure”), the words “you”, “your”, and “yours” mean each and all of those who use the Courtesy Pay service described below. The words “we”, “us”, and “our” mean HawaiiUSA Federal Credit Union. The word “overdraft” includes a negative balance in your Share Draft account that may occur for various reasons, including, but not limited to: (1) the payment of checks or other withdrawal requests authorized by you including, but not limited to, ATM transactions, Point of Sale transactions, and preauthorized transfers for which funds are insufficient; (2) the return (unpaid) of items deposited by you; (3) the imposition of service charges by us; or (4) the deposit of items which are treated as not yet “available” according to our Funds Availability Policy.

The Terms and Conditions and Electronic Funds Transfers Disclosures contained in our Important Account Information For Our Members brochure, which were provided to you at the time you opened your account with us, controls the duties, obligations and rights of the Depositor, the Authorized Signatories and HawaiiUSA Federal Credit Union with regard to your Share Draft account. The Terms and Conditions and Electronic Funds Transfers and Truth in Savings Disclosures, and all amendments thereto, shall control any possible conflict between any provision of this Courtesy Pay Disclosure and the Terms and Conditions, Electronic Funds Transfers and Truth in Savings Disclosures.

Pursuant to our commitment to provide valued service and benefits, we may pay checks or other items/transactions (“Items”), which would cause your Share draft account to have a negative (or further negative) balance (herein “overdraft”), pursuant to the terms and conditions of this Disclosure.

To allow an overdraft to be created on a one time debit card or ATM transaction, you must have given us your authorization to “opt-in” to process the transaction either at account opening or when the initial card is requested.

The Courtesy Pay service is not a credit product and requires no application or credit approval process. The service is for personal usage accounts and will only be applied to your Share Draft account if:

• You maintain your membership in good standing;

• Your Share Draft account is more than 60 days old;

• Your loan and credit card accounts with us are not past due;

• Your Share Draft account is brought to a positive end-of-day available balance at least once every 15 days;

• There are no legal or administrative orders or levies against your accounts with us;

• There are no pending bankruptcies or financial counseling arrangements;

• The primary account holder is 18 years of age or older; and

• Your mailing address record is current with us.

ANY SUCH PAYMENT WILL BE MADE ON A CASE BY CASE BASIS, IN OUR SOLE AND ABSOLUTE DISCRETION. However, we shall not pay any item if your negative Share Draft account balance is, or if we were to make payment pursuant to the terms and conditions of this Disclosure would become, greater than Five Hundred Dollars ($500.00) plus any applicable fees. You will be notified of any nonsufficient funds item that have been paid or returned; however, you understand that we have no obligation to notify you before we pay or return any item. We may refuse to pay any overdrafts without first notifying you even though your account is in good standing and even if we have paid previous overdrafts.

For any overdrafts created, you promise to pay us upon demand all sums, including the fees and charges for this service, advanced to you or any other person you permit to use your Share Draft account and/or who causes an overdraft on your Share Draft account.

A Courtesy Pay fee will be charged to your Share Draft account, in accordance with our Schedule of Fees and Charges, for each overdraft item that is cleared on your Share Draft account. This transaction charge is the same fee charged by us for each “nonsufficient funds” (NSF) item presented for payment and returned unpaid on a Share Draft account.

You will be in default under the terms of this Disclosure if you fail to live up to any of the terms and conditions of this Disclosure or you are in default on any loan obligation with us and/or a negative balance default exists in any other deposit account with us on which you are an owner. If you are in default, we may temporarily suspend overdraft privileges or terminate the Courtesy Pay service or close your Share Draft account and demand immediate payment of the entire unpaid negative balance. You also agree to pay any collection cost, attorneys’ fees, and court costs, which we or you shall or may incur as a result of your default.

We may modify, terminate or suspend the Courtesy Pay service at any time without prior notice, and we reserve the right to limit Courtesy Pay service to one (1) account per household or member without notice of reason or cause. In no event shall any termination relieve you of your obligation to repay such sums already overdrafted, overdraft fees, collection costs, attorneys’ fees, if any. We can delay enforcing any of our rights under this Disclosure without losing them. If you prefer not to have Courtesy Pay, please contact us at (808) 534.4300 or from the neighbor island or mainland, call toll free at (800) 379.1300.

9/15REV

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44HawaiiUSA Federal Credit Union – SFC.140115.03 Page 1 of 2

Effective January 15, 2014

^ Effective March 1, 2014

SCHEDULE OF FEES AND CHARGES All rates and service charges subject to change without notice

Share Accounts

Share Account Minimum Balance ........................................................................................................................... $5.00 Secondary Share Account Minimum Balance ....................................................................................................... $25.00 Account Service Fee .............................................................................................................................. $1.00 per month (Assessed if the AVERAGE DAILY BALANCE for the period is less than $5.00) SuperShare Account Excess Transaction Fee ............................................................................. $10.00 per occurrence (Assessed if more than three (3) transactions occur in a month) Early Closure Fee (Accounts closed within the first 90 days) ................................................................................ $25.00 Inactive Account Fee (Three (3) years of no activity) + ........................................................................... $5.00 per month eLife Checking Accounts

eLife Checking Account Minimum Balance ............................................................................................................. None Minimum Deposit to Open ..................................................................................................................................... $20.00 Early Closure Fee (Accounts closed within the first 90 days) ................................................................................ $25.00 Inactive Account Fee (One (1) year of no activity) + ............................................................................... $5.00 per month ShareDraft Accounts

ShareDraft Account Minimum Balance ................................................................................................................... None Minimum Deposit to Open ..................................................................................................................................... $20.00 Early Closure Fee (Accounts closed within the first 90 days) ................................................................................ $25.00 Inactive Account Fee (One (1) year of no activity) + ............................................................................... $5.00 per month SuperDraft Accounts

SuperDraft Account Minimum Balance ................................................................................................................... None Minimum Deposit to Open ................................................................................................................................ $1,000.00 Monthly Service Charge ........................................................................................................................................ $10.00 (Assessed if the AVERAGE DAILY BALANCE for the period is less than $1,000.00) Early Closure Fee (Accounts closed within the first 90 days) ................................................................................ $25.00 Inactive Account Fee (One (1) year of no activity) + ............................................................................... $5.00 per month Premium Money Market Accounts

Premium Money Market Account Minimum Balance ...................................................................................... $50,000.00 Minimum Deposit to Open .............................................................................................................................. $50,000.00 Monthly Service Charge ........................................................................................................................................ $20.00

(Assessed if the AVERAGE DAILY BALANCE for the period is less than $50,000.00) Early Closure Fee (Accounts closed within the first 180 days) ............................................................................ $100.00 Inactive Account Fee (Three (3) years of no activity) + ........................................................................... $5.00 per month Savings Safari Club and Jump Start Student Accounts

Share Account Minimum Balance ......................................................................................................................... $25.00 Account Service Fee .............................................................................................................................. $1.00 per month (Assessed if the AVERAGE DAILY BALANCE for the period is less than $25.00) Early Closure Fee (Accounts closed within the first 90 days) ................................................................................ $25.00 Inactive Account Fee (Three (3) years of no activity) + ........................................................................... $5.00 per month Health Savings Accounts (HSA)

Health Savings Account Minimum Balance ............................................................................................................. None Minimum Deposit to Open ................................................................................................................................... $100.00 Early Closure Fee (Accounts closed within the first 180 days) ............................................................................ $100.00 Set Up Fee ............................................................................................................................................................ $25.00 Account Service Fee .............................................................................................................................. $1.00 per month

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45HawaiiUSA Federal Credit Union – SFC.140115.03 Page 2 of 2

ACCOUNT RELATED FEES

Non-Sufficient Funds-Draft ^ ........................................................................................................................ $29.00 eachNon-Sufficient Funds-ATM or Debit Card Withdrawal ^ ............................................................................... $29.00 eachNon-Sufficient Funds-ACH ^ ........................................................................................................................ $29.00 eachCourtesy Pay Fee ^...................................................................................................................................... $29.00 eachStop Payment-Draft...................................................................................................................................... $25.00 eachStop Payment-Electronic Funds Transfer .................................................................................................... $25.00 eachStop Payment-Cashier’s Check ................................................................................................................... $30.00 eachReturned Deposited Item ............................................................................................................................. $10.00 eachACH Credit Origination Fee

One Time Payment Request............................................................................................. $3.00 per transaction feeRecurring Payment Request ............................................................................................. $3.00 per transaction fee

Non-Notification of Current Mailing Address Fee ................................................................................. $5.00 per quarterRequested Copies (i.e. checks, statements, etc.) ....................................................................................$2.50 per pageLegal Process (i.e. Garnishment, Levy) ....................................................................................................... $50.00 eachAbandoned Property Processing Fee (Assessed in the month an inactive account is processed for

escheatment) *...............................................................................................................................................$35.00Check (Draft) Orders

All Checking Accountholders ^.................................................................Fee dependent on style of check orderedeLife Checking Accountholders Only ^.....One(1) free box of HawaiiUSA FCU Custom Checks per rolling calendar year

ATM Card Fee........................................................................................................................................$1.00 per monthATM Card or Debit Card Replacement ...................................................................................................$10.00 per cardATM Card or Debit Card Re-Activation ...................................................................................................$10.00 per cardSystem Generated PIN ......................................................................................................................... $1.00 per mailerExpedited Shipping of ATM / Debit Cards...............................................................................................$40.00 per cardATM Withdrawals from Non-HawaiiUSA and Non-Bankoh Bank Machines ^ .................................$2.00 per withdrawalCross-Border (International) Transaction Assessment

Cross-Border Assessment (Without currency conversion; single currency conversion) ...... 0.9% of the transactionCross-Border Assessment (With currency conversion; multi-currency conversion) ............. 1.1% of the transaction

BILL PAY FEES

Stop Payment............................................................................................................................................... $25.00 eachRequested Copies (i.e. checks, etc.)........................................................................................................$2.50 per pageReturned Items............................................................................................................................................. $12.00 eachManual Payment Reissue ............................................................................................................................ $12.00 each

OTHER SERVICES

Exchange

Cashier’s Checks .........................................................................................One (1) free per day, $8.00 each additionalNon-Member/Joint Owner to Third Party = $20.00 each

American Express Travelers Cheques..................................................................................................Free to Members(Not available to Non-Member/Joint Owner)

American Express Travelers Cheques for Two...................................................................................$0.50 per $100.00(Not available to Non-Member/Joint Owner)

American Express Gift Cheques ............................................................................................................ $2.50 per check(Not available to Non-Member/Joint Owner)

Miscellaneous

Outgoing Wire Transfers ..........................................................................................Domestic - $40.00 Foreign - $45.00Incoming Wire Transfers through Another Bank ............................................................................Initial Transfer = Free

Subsequent Transfers = $20.00Incoming Wire Transfers Sent Directly to HawaiiUSA FCU ..................................................................................... FreeRecords Research .....................................................................................................................$25.00 per hour/fractionCheck Collection .................................................................................................................................. $25.00 per checkDocument Review Fee............................................................................................................Actual charges may applySafe Deposit Box-Rental (automatically deducted from S1-Share Account)..................... 3 x 10 x 21 = $55.00 per year

5 x 10 x 21 = $80.00 per year10 x 10 x 21 = $130.00 per year

Safe Deposit Box-Key Deposit ..............................................................................................................................$20.00Safe Deposit Box-Forced Entry............................................................................................Minimum charge of $130.00Safe Deposit Box-Knob Replacement..................................................................................Minimum charge of $450.00Notary ................................................................................................................. Member = First two (2) signatures free

Non-Member = Standard fees per Hawaii Revised StatutesSignature Guaranty (Service available to members only) ........................................................................................ Free

+ Activity does not include Credit Union initiated transactions such as dividend payments, service charges, etc.* Hawaii Statutes require that after five (5) years of inactivity and no member contact, any account balances must be turned over to

the State of Hawaii.^ Fees and charges are effective March 1, 2014.

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46

HawaiiUSA Federal Credit Union

SHARE (01) ACCOUNT TRUTH IN SAVINGS DISCLOSURE

The information stated below is accurate as of November 1, 2012. If you would like more information that is current, please call us at (808)

534-4300 or 1 (800) 379-1300.

Rate Information. The dividend rate for this account is .10% with an annual percentage yield *(APY) of .10%. The dividend rate and annual

percentage yield may change at any time, as determined by the credit union board of directors.

Crediting Frequency. Dividends on this account will be paid on the last calendar day of each month.

Compounding and Crediting. Dividends will be compounded monthly. Dividends are paid from current income and available earnings after

required transfers to reserves at the end of the dividend period. The dividend period for this account type is monthly.

Effect of Closing Account. If you close the account prior to the end of the dividend period, dividends will be accrued and paid through the

date of closure.

Accrual of Dividends on Non-cash Deposits. Dividends will begin to accrue no later than the business day we receive provisional credit for

the deposit on non-cash items (i.e. checks) to your account.

Balance Computation Method. Dividends are calculated by the average daily balance method, which applies a periodic rate to the average

daily balance in the account for the month. The average daily balance is calculated by adding the principal in the account for each day of the

month and dividing that figure by the number of days in the month.

Minimum Balance Requirement. The minimum required to open this account is the purchase of a $5.00 share in the credit union payable at

the time of subscription. You must maintain a daily balance of $5.00 in this account or your right to membership may be terminated. You

must maintain a minimum average daily balance of $100.00 to obtain the disclosed annual percentage yield. The average daily balance is

calculated by adding the principal in the account for each day of the month and dividing that figure by the number of days in the month.

Fees. A service charge of $1.00 will be imposed every month if the average daily balance for the month falls below $5.00. The average daily

balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the

month. Accounts closed within the first ninety days will be assessed a $25.00 service fee. Please refer to the current Fee Schedule for

additional account related fees.

Transaction Limitations. During any calendar month, you may not make more than six withdrawals or transfers to another credit union

account of yours or to a third party by means of a preauthorized or automatic transfer or telephonic order or instruction.

COMMON FEATURES

Bylaw Requirements. You must complete payment of one share into your Share Savings account as a condition of admission to

membership. The par value of a share is $5.00.

Balance Requirements. If at any time, your share account balance falls below the par share value of $5.00 (one share) and you do not

increase the balance to at least the par value of one share within six months of the reduction, you may be terminated from membership.

National Credit Union Administration Insurance. HawaiiUSA FCU is federally insured by the National Credit Union Administration.

Limits and Fees. Please refer to our separate fee schedule for additional information about charges.

ADDENDUM

Please be advised that effective January 1, 2002, the dividend rate on all non-term share accounts will change from a fixed to a variable rate

structure.

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47

HawaiiUSA Federal Credit Union

SHARE (02) ACCOUNT TRUTH IN SAVINGS DISCLOSURE

The information stated below is accurate as of November 1, 2012. If you would like more information that is current, please call us at (808)

534-4300 or 1 (800) 379-1300.

Rate Information. The dividend rate for this account is .10% with an annual percentage yield *(APY) of .10%. The dividend rate and annual

percentage yield may change at any time, as determined by the credit union board of directors.

Crediting Frequency. Dividends on this account will be paid on the last calendar day of each month.

Compounding and Crediting. Dividends will be compounded monthly. Dividends are paid from current income and available earnings after

required transfers to reserves at the end of the dividend period. The dividend period for this account type is monthly.

Effect of Closing Account. If you close the account prior to the end of the dividend period, dividends will be accrued and paid through the

date of closure.

Accrual of Dividends on Non-cash Deposits. Dividends will begin to accrue no later than the business day we receive provisional credit for

the deposit on non-cash items (i.e. checks) to your account.

Balance Computation Method. Dividends are calculated by the average daily balance method, which applies a periodic rate to the average

daily balance in the account for the month. The average daily balance is calculated by adding the principal in the account for each day of the

month and dividing that figure by the number of days in the month.

Minimum Balance Requirement. The minimum required to open this account is $25.00. You must maintain a minimum average daily

balance of $100.00 to obtain the disclosed annual percentage yield. The average daily balance is calculated by adding the principal in the

account for each day of the month and dividing that figure by the number of days in the month.

Fees. A service charge of $1.00 will be imposed every month if the average daily balance for the month falls below $25.00. The average

daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in

the month. Accounts closed within the first ninety days will be assessed a $25.00 service fee. Please refer to the current Fee Schedule for

additional account related fees.

Transaction Limitations. During any calendar month, you may not make more than six withdrawals or transfers to another credit union

account of yours or to a third party by means of a preauthorized or automatic transfer or telephonic order or instruction.

COMMON FEATURES

Bylaw Requirements. You must complete payment of one share into your Share Savings account as a condition of admission to

membership. The par value of a share is $5.00.

Balance Requirements. If at any time, your share account balance falls below the par share value of $5.00 (one share) and you do not

increase the balance to at least the par value of one share within six months of the reduction, you may be terminated from membership.

National Credit Union Administration Insurance. HawaiiUSA FCU is federally insured by the National Credit Union Administration.

Limits and Fees. Please refer to our separate fee schedule for additional information about charges.

ADDENDUM

Please be advised that effective January 1, 2002, the dividend rate on all non-term share accounts will change from a fixed to a variable rate

structure.

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48

HawaiiUSA Federal Credit Union

SAFARI CLUB SHARE (03) ACCOUNT TRUTH IN SAVINGS DISCLOSURE

The information stated below is accurate as of November 1, 2012. If you would like more information that is current, please call us at

(808) 534-4300 or 1 (800) 379-1300.

Rate Information. The dividend rate for this account is .10% with an annual percentage yield (APY) of .10%. The dividend rate and annual

percentage yield may change at any time, as determined by the credit union board of directors.

Crediting Frequency. Dividends on this account will be paid on the last calendar day of each month.

Compounding and Crediting. Dividends will be compounded monthly. Dividends are paid from current income and available earnings after

required transfers to reserves at the end of the dividend period. The dividend period for this account type is monthly.

Effect of Closing Account. Your Safari Club Share account will automatically convert to a Jump Start Student share savings account on the

last day of the month of your 13th birthday. The Balance of your Jump Start Student Share account will automatically be credited to your

primary share savings account on the last day of the month of your 24th birthday and the Jump Start Savings Account will be closed. If you

close the account prior to the end of the dividend period, dividends will be accrued and paid through the date of closure.

Accrual of Dividends on Non-cash Deposits. Dividends will begin to accrue no later than the business day we receive provisional credit for

the deposit on non-cash items (i.e. checks) to your account.

Balance Computation Method. Dividends are calculated by the average daily balance method, which applies a periodic rate to the average

daily balance in the account for the month. The average daily balance is calculated by adding the principal in the account for each day of the

month and dividing that figure by the number of days in the month.

Minimum Balance Requirement. The minimum required to open this account is $25.00. You must maintain a minimum average daily

balance of $100.00 to obtain the disclosed annual percentage yield. The average daily balance is calculated by adding the principal in the

account for each day of the month and dividing that figure by the number of days in the month.

Fees. A service charge of $1.00 will be imposed every month if the average daily balance for the month falls below $25.00. The average

daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in

the month. Accounts closed within the first ninety days will be assessed a $25.00 service fee. Please refer to the current Fee Schedule for

additional account related fees.

Transaction Limitations. During any calendar month, you may not make more than six withdrawals or transfers to another credit union

account of yours or to a third party by means of a preauthorized or automatic transfer or telephonic order or instruction.

COMMON FEATURES

Bylaw Requirements. You must complete payment of one share into your Share Savings account as a condition of admission to

membership. The par value of a share is $5.00.

Balance Requirements. If at any time, your share account balance falls below the par share value of $5.00 (one share) and you do not

increase the balance to at least the par value of one share within six months of the reduction, you may be terminated from membership.

National Credit Union Administration Insurance. HawaiiUSA FCU is federally insured by the National Credit Union Administration.

Limits and Fees. Please refer to our separate fee schedule for additional information about charges.

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49

HawaiiUSA Federal Credit Union

JUMP START STUDENT SHARE (04) ACCOUNT TRUTH IN SAVINGS DISCLOSURE

The information stated below is accurate as of November 1, 2012. If you would like more information that is current, please call us at

(808) 534-4300 or 1 (800) 379-1300.

Rate Information. The dividend rate for this account is .10% with an annual percentage yield (APY) of .10%. The dividend rate and annual

percentage yield may change at any time, as determined by the credit union board of directors.

Crediting Frequency. Dividends on this account will be paid on the last calendar day of each month.

Compounding and Crediting. Dividends will be compounded monthly. Dividends are paid from current income and available earnings after

required transfers to reserves at the end of the dividend period. The dividend period for this account type is monthly.

Effect of Closing Account. The balance of your Jump Start Student Share account will automatically be credited to your primary share

savings account on the last day of the month of your 24th birthday. If you close the account prior to the end of the dividend period, dividends

will be accrued and paid through the date of closure.

Accrual of Dividends on Non-cash Deposits. Dividends will begin to accrue no later than the business day we receive provisional credit for

the deposit on non-cash items (i.e. checks) to your account.

Balance Computation Method. Dividends are calculated by the average daily balance method, which applies a periodic rate to the average

daily balance in the account for the month. The average daily balance is calculated by adding the principal in the account for each day of the

month and dividing that figure by the number of days in the month.

Minimum Balance Requirement. The minimum required to open this account is $25.00. You must maintain a minimum average daily

balance of $100.00 to obtain the disclosed annual percentage yield. The average daily balance is calculated by adding the principal in the

account for each day of the month and dividing that figure by the number of days in the month.

Fees. A service charge of $1.00 will be imposed every month if the average daily balance for the month falls below $25.00. The average

daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in

the month. Accounts closed within the first ninety days will be assessed a $25.00 service fee. Please refer to the current Fee Schedule for

additional account related fees.

Transaction Limitations. During any calendar month, you may not make more than six withdrawals or transfers to another credit union

account of yours or to a third party by means of a preauthorized or automatic transfer or telephonic order or instruction.

COMMON FEATURES

Bylaw Requirements. You must complete payment of one share into your Share Savings account as a condition of admission to

membership. The par value of a share is $5.00.

Balance Requirements. If at any time, your share account balance falls below the par share value of $5.00 (one share) and you do not

increase the balance to at least the par value of one share within six months of the reduction, you may be terminated from membership.

National Credit Union Administration Insurance. HawaiiUSA FCU is federally insured by the National Credit Union Administration.

Limits and Fees. Please refer to our separate fee schedule for additional information about charges.

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50

HawaiiUSA Federal Credit Union

SUPERSHARE (07) ACCOUNT TRUTH IN SAVINGS DISCLOSURE

The information stated below is accurate as of November 1, 2012. If you would like more information that is current, please call us at (808)

534-4300 or 1 (800) 379-1300.

Rate Information. The dividend rate is tiered and the rate you received is based on the average daily balance. You will receive an annual

percentage yield* (APY) of .15% for balances from $10,000 to $35,000; .20% for balances exceeding $35,000. If your account balance falls

below the minimum tier of $10,000, you will receive an annual percentage yield corresponding to the share rate, which currently is at .10%.

The dividend rate and annual percentage yield may change at any time, as determined by the credit union board of directors.

Crediting Frequency. Dividends on this account will be paid on the last calendar day of each month.

Compounding and Crediting. Dividends will be compounded monthly. Dividends are paid from current income and available earnings after

required transfers to reserves at the end of the dividend period. The dividend period for this account type is monthly.

Effect of Closing Account. If you close the account prior to the end of the dividend period, dividends will be accrued and paid through the

date of closure.

Accrual of Dividends on Non-cash Deposits. Dividends will begin to accrue no later than the business day we receive provisional credit for

the deposit on non-cash items (i.e., checks) to your account.

Balance Computation Method. Dividends are calculated by the average daily balance method, which applies a periodic rate to the average

daily balance in the account for the month. The average daily balance is calculated by adding the principal in the account for each day of the

month and dividing that figure by the number of days in the month.

Minimum Balance Requirement. The minimum required to open this account is $10,000.

Fees. A fee of $10.00 per item will be assessed for transactions exceeding the limitations. Accounts closed within the first ninety days will be

assessed a $25.00 service fee. Please refer to the current Fee Schedule for additional account related fees.

Transaction Limitations. During any calendar month, you may not make more than three withdrawals or transfers to another credit union

account of yours or to a third party by means of a preauthorized or automatic transfer or telephonic order or instruction.

COMMON FEATURES

Bylaw Requirements. You must complete payment of one share into your Share Savings account as a condition of admission to

membership. The par value of a share is $5.00.

Balance Requirements. If at any time, your share account balance falls below the par share value of $5.00 (one share) and you do not

increase the balance to at least the par value of one share within six months of the reduction, you may be terminated from membership.

National Credit Union Administration Insurance. HawaiiUSA FCU is federally insured by the National Credit Union Administration.

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51

HawaiiUSA Federal Credit Union

SHAREDRAFT (10) ACCOUNT TRUTH IN SAVINGS DISCLOSURE

The information stated below is accurate as of November 1, 2012 . If you would like more information that is current, please call us at (808) 534-4300 or 1 (800) 379-1300. Minimum Balance Requirement. The minimum required to open this account is the deposit of $20.00. COMMON FEATURES Bylaw Requirements. You must complete payment of one share into your Share Savings account as a condition of admission to membership. The par value of a share is $5.00. Balance Requirements. If at any time, your share account balance falls below the par share value of $5.00 (one share) and you do not increase the balance to at least the par value of one share within six months of the reduction, you may be terminated from membership. National Credit Union Administration Insurance. HawaiiUSA FCU is federally insured by the National Credit Union Administration. Limits and Fees. Please refer to our separate fee schedule for additional information about charges.

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52 Revised 01/15/10

HawaiiUSA Federal Credit Union CHRISTMAS SHARE ACCOUNT (25) TRUTH IN SAVINGS DISCLOSURE

The information stated below is accurate as of August 1, 2015. Please call us at (808) 534-4300 or 1 (800) 379-1300 to obtain current rate or other information. Rate Information. The current dividend rate for this account is 0.40% with an annual percentage yield (APY) of 0.40%. We will pay this rate until first maturity. Maturity Date. This account will mature on October 16, 2016. Compounding and Crediting. Dividends will not be compounded. Dividends will be paid at maturity. The dividend declaration date is at maturity. Dividend Period. The dividend period is the same as the term, beginning on the date the account is opened or the date the account is renewed, and ending on the stated maturity date. Effect of Closing Account. If you close the account before maturity, you will forfeit dividends. Please refer to the following section: Early Withdrawal Penalties. Early Withdrawal Penalties. We will impose a penalty if you withdraw any of the funds in this account before the maturity date. The penalty will equal $10.00 and forfeiture of any accrued dividends. We reserve the right to treat any withdrawal as a withdrawal of the entire account balance and calculate the amount of the penalty accordingly. Renewal Policy. This account will automatically renew at maturity. There is no grace period following the maturity of this account. You may prevent renewal if we receive written notice from you, before maturity, of your intention not to renew. If you prevent renewal, dividends will not accrue after final maturity. The renewal term will begin on the maturity date and will end on the one-year anniversary of the maturity date (or if such anniversary date is not a Credit Union business day, then on the next Credit Union business day after the anniversary date). The dividend rate will be the same we offer on new term share accounts on the maturity date, which have the same term, minimum balance (if any) and other features as the original term share account. Accrual of Dividends on Non-Cash Deposits. Dividends will begin to accrue no later than the business day we receive provisional credit for the deposit of non-cash items (i.e. checks) to this account. Average Balance Computation Method. Dividends are calculated by the average daily balance method, which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the period beginning on the date the account is opened or renewed, and ending on the stated maturity date. Minimum Balance Requirement. There is no minimum balance required to open this (S25) account. You must maintain a minimum average daily balance of $100.00 in this account to obtain the disclosed annual percentage yield. Transaction Limitations. A minimum of one automatic monthly deposit is required to maintain this account. Additional deposits are permitted. You can place additional funds into this account during its term up to a maximum of $5,000.00. Additions will earn dividends from the date of deposit and will not change the maturity date of this account. Withdrawal Limitations. You may make withdrawals of principal from this account before maturity only if we agree at the time you request the withdrawal. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. You cannot withdraw dividends from this account before maturity. Fees. Please refer to the current Fee Schedule for account fees. Bylaw Requirements. You must complete payment of one share into your Prime Share Savings account as a condition of admission to membership. The par value of a share is $5.00. If your share balance is reduced below the par value of one share, and you do not increase the balance to at least the par value of one share within six months of the reduction, you may be terminated from membership. We reserve the right, at any time, to require you to give us written notice of your intent to make a withdrawal from your account of at least seven (7) days and up to sixty (60) days before the intended withdrawal. You may not withdraw shareholdings that are pledged as security on loans without the written approval of the credit committee or a loan officer, except to the extent that such shares exceeds your total primary and contingent liability to the credit union. You may not withdraw any shareholdings below the amount of your primary or contingent liability to the credit union if you are delinquent as a borrower, or if borrowers for whom you are a co-maker, endorser or guarantor are delinquent, without the written approval of the credit committee or loan officer. Refusal to Accept Deposits or Permit Withdrawals. We reserve the right to refuse deposits into this account. In addition to restrictions on withdrawal set forth above, we also reserve the right to refuse withdrawals from this account if 1) you have insufficient available funds in this account, or 2) a governmental agency or court order restricts withdrawals. National Credit Union Share Insurance Fund. Member accounts in HawaiiUSA FCU are federally insured by the National Credit Union Share Insurance Fund. Supplemental Provisions. This account is subject to all other terms and conditions set forth in your account agreement and all other agreements you have with us.

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HawaiiUSA Federal Credit Union

PREMIUM MONEY MARKET ACCOUNT (Type 40) TRUTH IN SAVINGS DISCLOSURE

The information stated below is accurate as of November 1, 2012. If you would like more information that is current, please call us at (808) 534-4300 or 1 (800) 379-1300. Rate Information. The dividend rate is tiered and the rate you receive is based on the average daily balance. You will receive a dividend rate of .20% with an annual percentage yield (APY) of .20% for balances from $50,000.00 to $74,999.99; a dividend rate of .25% with an APY of .25% for balances from $75,000.00 to $99,999.99 and a dividend rate of .30% with an APY of .30% for balances of $100,000 and greater. If your account balance falls below the minimum tier of $50,000, you will receive an annual percentage yield corresponding to our Share Savings rate, which currently is at .10%. The dividend rate and annual percentage yield may change at any time, as determined by the credit union board of directors. Crediting Frequency. Dividends on this account will be paid on the last calendar day of each month. Compounding and Crediting. Dividends will be compounded monthly. Dividends are paid from the current income and available earnings after required transfers and reserves at the end of the dividend period. The dividend period for this account type is monthly. Effect of Closing Account. If your account is closed prior to the end of the dividend period, you will not receive the accrued dividends. Accrual of Dividends on Non-Cash Deposits. Dividends will begin to accrue no later than the business day we receive provisional credit for the deposit on non-cash items (i.e., checks) to your account in accordance with Expedited Funds Availability Act. Balance Computation Method. Dividends are calculated by the average daily balance method, which applies a periodic rate to the average daily balance in the account for the month. The average daily balance is calculated by adding the principal in the account for each day of the month and dividing that figure by the number of days in the month. Minimum Balance Requirement. The minimum required to open this account is $50,000. Fees. This account has a minimum average balance requirement. If the average monthly account balance drops below $50,000, the account will be charged a $20 monthly fee and your dividend rate reverts to the Share Savings rate. Should this account be closed within 180 days of its opening a $100 early closure fee will be assessed. Please refer to the current Fee Schedule for additional account related fees. Transaction Limitations. Federal Regulations impose certain transaction limitations on this type of account and they are as follows: During any month, you may not make more than six (6) withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized, automatic, or computer transfer, telephonic order or instruction, or similar order to a third party. Of the six transfers only three (3) may be by draft. Drafts are counted by the date they are paid from your account (as shown on your statement), not by the date you write them. No access to this account can be obtained through an ATM or Debit Card. If you exceed the transfer limitations set forth above, your account will be subject to closure by the Credit Union. Refusal to Accept Deposits or Permit Withdrawals. We reserve the right to refuse the accepting of deposits into your account. We also reserve the right to refuse withdrawals from your account which may occur under the following circumstances: 1) your request for a withdrawal that includes amounts deposited on which we have placed a hold, or 2) if a government agency or court orders us not to permit withdrawals. Drafts. This account requires the use of special drafts that will be provided to you and can only be obtained from us. These drafts can be ordered through the branch or by calling our Member Service Center at the telephone numbers listed above. COMMON FEATURES Bylaw Requirements. You must complete payment of one share into your Share Savings account as a condition of admission to membership. The par value of a share is $5.00. If at any time, your Share Savings account balance falls below the par share value and you do not increase the balance to at least the par value of one share within six months of the reduction, you may be terminated from membership. National Credit Union Administration Insurance. HawaiiUSA FCU is federally insured by the National Credit Union Administration.

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HawaiiUSA Federal Credit Union

SIX-MONTH (50) SHARE CERTIFICATE TRUTH IN SAVINGS DISCLOSURE

The information stated below is accurate as of November 1, 2012 . If you would like more information that is current, please

call us at (808) 534-4300 or 1 (800) 379-1300.

Rate Information. The current dividend rate for this account is 0.20% with an annual percentage yield (APY) of 0.20% .

We will pay this rate until first maturity.

Crediting Frequency. Dividends will be credited to this account at maturity.

Compounding Frequency. Dividends will not be compounded. Dividends are paid from current income and available earnings after

required transfers to reserves have been made at the end of the dividend period.

Dividend Period. For this account type, the dividend period is six months (182 days).

Effect of Closing Account. If you close the account before maturity, you may forfeit dividends. Please refer to the following section: Early

Withdrawal Penalties.

Early Withdrawal Penalties. A penalty may be imposed for withdrawals before maturity. The penalty will equal one hundred twenty (120)

days dividends on the amount withdrawn. We will charge the penalty first against any dividends accrued. Any excess will be deducted from

the amount withdrawn. There are certain circumstances, such as death or incompetence of the owner, where we may waive or reduce this

penalty.

Automatically Renewable Account. This account is automatically renewable at maturity, unless you notify us otherwise. You will have a

grace period of ten calendar days after the maturity date to withdraw funds from the account without being charged an early withdrawal

penalty. (Funds withdrawn during the ten-day grace period will earn dividends at the regular share rate.) Each renewal term will be the same

as the original term. The dividend rate will be the prevailing dividend rate stated for this account on the date of renewal.

Accrual of Dividends on Non-cash Deposits. Dividends will begin to accrue on the first banking day you place non-cash items (i.e.,

checks) into your account.

Balance Computation Method. Dividends are calculated by the average daily balance method, which applies a periodic rate to the

average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each

day of the period and dividing that figure by the number of days in the period. The period we use is 365 days.

Minimum Balance Requirement. The minimum required to open this account is $500.00. You must maintain a minimum daily balance of

$500.00 to obtain the disclosed annual percentage yield.

Addition Limitations. After the account is opened, you may not make additions into the account until the maturity date stated on the

account.

Withdrawal Limitations. You may make withdrawals of principal from your account before maturity only if we agree at the time you request

the withdrawal. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. You cannot withdraw

dividends from your account before maturity.

COMMON FEATURES

Bylaw Requirements. You must complete payment of one share into your Share Savings account as a condition of admission to

membership. The par value of a share is $5.00.

Balance Requirements. If at any time, your share account balance falls below the par share value of $5.00 (one share) and you do not

increase the balance to at least the par value of one share within six months of the reduction, you may be terminated from membership.

National Credit Union Administration Insurance. HawaiiUSA FCU is federally insured by the National Credit Union Administration.

Limits and Fees. Please refer to our separate fee schedule for additional information about charges.

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55

HawaiiUSA Federal Credit Union

ONE-YEAR (51) SHARE CERTIFICATE TRUTH IN SAVINGS DISCLOSURE

The information stated below is accurate as of November 1, 2012 . If you would like more information that is current, please

call us at (808) 534-4300 or 1 (800) 379-1300.

Rate Information. The current dividend rate for this account is 0.35% with an annual percentage yield (APY) of 0.35% .

We will pay this rate until first maturity.

Crediting Frequency. Dividends on this account will be paid on the last day of each calendar quarter and at maturity.

Compounding Frequency. Dividends will be compounded quarterly. Dividends are paid from current income and available earnings after

required transfers to reserves have been made at the end of the dividend period.

Dividend Period. The dividend period for this type of account is quarterly.

Effect of Closing Account. If you close the account before maturity, you may forfeit dividends. Please refer to the following section: Early

Withdrawal Penalties.

Early Withdrawal Penalties. A penalty may be imposed for withdrawals before maturity. The penalty will equal one hundred twenty (120)

days dividends on the amount withdrawn. We will charge the penalty first against any dividends accrued. Any excess will be deducted from

the amount withdrawn. There are certain circumstances, such as death or incompetence of the owner, where we may waive or reduce this

penalty.

Automatically Renewable Account. This account is automatically renewable at maturity, unless you notify us otherwise. You will have a

grace period of ten calendar days after the maturity date to withdraw funds from the account without being charged an early withdrawal

penalty. (Funds withdrawn during the ten-day grace period will earn dividends at the regular share rate.) Each renewal term will be the same

as the original term. The dividend rate will be the prevailing dividend rate stated for this account on the date of renewal.

Accrual of Dividends on Non-cash Deposits. Dividends will begin to accrue on the first banking day you place non-cash items (i.e.,

checks) into your account.

Balance Computation Method. Dividends are calculated by the average daily balance method, which applies a periodic rate to the

average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each

day of the period and dividing that figure by the number of days in the period. The period we use is 365 days.

Minimum Balance Requirement. The minimum required to open this account is $500.00. You must maintain a minimum daily balance of

$500.00 to obtain the disclosed annual percentage yield.

Addition Limitations. After the account is opened, you may not make additions into the account until the maturity date stated on the

account.

Withdrawal Limitations. You may make withdrawals of principal from your account before maturity only if we agree at the time you request

the withdrawal. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. You cannot withdraw

dividends from your account before maturity.

COMMON FEATURES

Bylaw Requirements. You must complete payment of one share into your Share Savings account as a condition of admission to

membership. The par value of a share is $5.00.

Balance Requirements. If at any time, your share account balance falls below the par share value of $5.00 (one share) and you do not

increase the balance to at least the par value of one share within six months of the reduction, you may be terminated from membership.

National Credit Union Administration Insurance. HawaiiUSA FCU is federally insured by the National Credit Union Administration.

Limits and Fees. Please refer to our separate fee schedule for additional information about charges.

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56

HawaiiUSA Federal Credit Union

IRA SHARE (70) ACCOUNT TRUTH IN SAVINGS DISCLOSURE

The information stated below is accurate as of November 1, 2012. If you would like more information that is current, please call us at

1 (808) 534-4300 or 1 (800) 379-1300.

NOTE: All transactions are subject to the current rules and regulations of the Federal Government for Individual Retirement Accounts.

Rate Information. The dividend rate for this account is .10% with an annual percentage yield (APY) of .10%. The dividend rate and annual

percentage yield may change at any time, as determined by the credit union board of directors.

Crediting Frequency. Dividends on this account will be paid on the last calendar day of each month.

Compounding and Crediting. Dividends will be compounded monthly. Dividends are paid from current income and available earnings after

required transfers to reserves at the end of the dividend period. The dividend period for this account type is monthly.

Effect of Closing Account. If you close the account prior to the end of the dividend period, dividends will be accrued and paid through the

date of closure.

Accrual of Dividends on Non-cash Deposits. Dividends will begin to accrue no later than the business day we receive provisional credit for

the deposit on non-cash items (i.e., checks) to your account.

Balance Computation Method. Dividends are calculated by the average daily balance method, which applies a periodic rate to the average

daily balance in the account for the month. The average daily balance is calculated by adding the principal in the account for each day of the

month and dividing that figure by the number of days in the month.

Minimum Balance Requirement. The minimum required to open this account is the purchase of a $5.00 share in the credit union. You must

also make a minimum deposit of $100.00 to open this account. You must maintain a minimum average daily balance of $100.00 to obtain the

disclosed annual percentage yield. The average daily balance is calculated by adding the principal in the account for each day of the month

and dividing that figure by the number of days in the month.

COMMON FEATURES

Bylaw Requirements. You must complete payment of one share into your Share Savings account as a condition of admission to

membership. The par value of a share is $5.00.

Balance Requirements. If at any time, your share account balance falls below the par share value of $5.00 (one share) and you do not

increase the balance to at least the par value of one share within six months of the reduction, you may be terminated from membership.

National Credit Union Administration Insurance. HawaiiUSA FCU is federally insured by the National Credit Union Administration.

Limits and Fees. Please refer to our separate fee schedule for additional information about charges.

ADDENDUM

Please be advised that effective January 1, 2002, the dividend rate on all non-tern share accounts will change from a fixed to a variable rate

structure.

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57

HawaiiUSA Federal Credit Union

ROTH IRA SHARE (71) ACCOUNT TRUTH IN SAVINGS DISCLOSURE

The information stated below is accurate as of November 1, 2012. If you would like more information that is current, please call us at

1 (808) 534-4300 or 1 (800) 379-1300.

NOTE: All transactions are subject to the current rules and regulations of the Federal Government for Individual Retirement Accounts.

Rate Information. The dividend rate for this account is .10% with an annual percentage yield *(APY) of .10%. The dividend rate and annual

percentage yield may change at any time, as determined by the credit union board of directors.

Crediting Frequency. Dividends on this account will be paid on the last calendar day of each month.

Compounding and Crediting. Dividends will be compounded monthly. Dividends are paid from current income and available earnings after

required transfers to reserves at the end of the dividend period. The dividend period for this account type is monthly.

Effect of Closing Account. If you close the account prior to the end of the dividend period, dividends will be accrued and paid through the

date of closure.

Accrual of Dividends on Non-cash Deposits. Dividends will begin to accrue no later than the business day we receive provisional credit for

the deposit on non-cash items (i.e., checks) to your account.

Balance Computation Method. Dividends are calculated by the average daily balance method, which applies a periodic rate to the average

daily balance in the account for the month. The average daily balance is calculated by adding the principal in the account for each day of the

month and dividing that figure by the number of days in the month.

Minimum Balance Requirement. The minimum required to open this account is the purchase of a $5.00 share in the credit union. You must

also make a minimum deposit of $100.00 to open this account. You must maintain a minimum average daily balance of $100.00 to obtain the

disclosed annual percentage yield. The average daily balance is calculated by adding the principal in the account for each day of the month

and dividing that figure by the number of days in the month.

COMMON FEATURES

Bylaw Requirements. You must complete payment of one share into your Share Savings account as a condition of admission to

membership. The par value of a share is $5.00.

Balance Requirements. If at any time, your share account balance falls below the par share value of $5.00 (one share) and you do not

increase the balance to at least the par value of one share within six months of the reduction, you may be terminated from membership.

National Credit Union Administration Insurance. HawaiiUSA FCU is federally insured by the National Credit Union Administration.

Limits and Fees. Please refer to our separate fee schedule for additional information about charges.

ADDENDUM

Please be advised that effective January 1, 2002, the dividend rate on all non-term share accounts will change from a fixed to a variable rate

structure.

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58

HawaiiUSA Federal Credit Union

ONE-YEAR IRA (80) SHARE CERTIFICATE TRUTH IN SAVINGS DISCLOSURE

The information stated below is accurate as of November 21, 2012 . If you would like more information that is current, please

call us at (808) 534-4300 or 1 (800) 379-1300.

NOTE: All transactions are subject to the current rules and regulations of the Federal Government for Individual Retirement Accounts.

Rate Information. The current dividend rate for this account is .35% with an annual percentage yield (APY) of .35% .

We will pay this rate until first maturity.

Crediting Frequency. Dividends on this account will be paid on the last day of each calendar quarter and at maturity.

Compounding Frequency. Dividends will be compounded quarterly. Dividends are paid from current income and available earnings after

required transfers to reserves have been made at the end of the dividend period.

Dividend Period. The dividend period for this account is quarterly.

Effect of Closing Account. If you close the account before maturity, you may forfeit dividends. Please refer to the following section: Early

Withdrawal Penalties.

Early Withdrawal Penalties. A penalty may be imposed for withdrawals before maturity. The penalty will equal one hundred twenty (120)

days dividends on the amount withdrawn. We will charge this penalty first against any dividends accrued. Any excess will be deducted from

the amount withdrawn. There are certain circumstances, such as death or incompetence of owner where we may waive or reduce this

penalty.

Automatically Renewable Account. This account is automatically renewable at maturity, unless you notify us otherwise. You will have a

grace period of ten calendar days after the maturity date to withdraw funds from the account without being charged an early withdrawal

penalty. (Funds withdrawn during the ten-day grace period will earn dividends at the regular share rate.) Each renewal term will be the same

as the original term. The dividend rate will be the prevailing dividend rate stated for this account on the date of renewal.

Accrual of Dividends on Non-cash Deposits. Dividends will begin to accrue on the first banking day you place non-cash items, (i.e.,

checks) into your account.

Balance Computation Method. Dividends are calculated by the average daily balance method, which applies a periodic rate to the

average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each

day of the period and dividing that figure by the number of days in the period. The period we use is 365 days.

Minimum Balance Requirement. The minimum required to open this account is $500.00. You must maintain a minimum daily balance of

$500.00 to obtain the disclosed annual percentage yield. The annual percentage yield assumes that dividends remain on deposit until

maturity. A withdrawal of dividends will reduce earnings.

Addition Limitations. After the account is opened, you may not make additions into the account until the maturity date stated on the

account.

Withdrawal Limitations. You may make withdrawals of principal from your account before maturity only if we agree at the time you request

the withdrawal. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. You cannot withdraw

dividends from your account before maturity.

COMMON FEATURES

Bylaw Requirements. You must complete payment of one share into your Share Savings account as a condition of admission to

membership. The par value of a share is $5.00.

Balance Requirements. If at any time your share account balance falls below the par share value of one share and you do not increase the

balance to at least the par value of one share within six months of the reduction, you may be terminated from membership.

National Credit Union Administration Insurance. HawaiiUSA FCU is federally insured by the National Credit Union Administration.

Limits and Fees. Please refer to our separate fee schedule for additional information about charges.

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59

HawaiiUSA Federal Credit Union

ONE-YEAR ROTH IRA (86) SHARE CERTIFICATE TRUTH IN SAVINGS DISCLOSURE

The information stated below is accurate as of November 21, 2012 . If you would like more information that is current, please

call us at (808) 534-4300 or 1 (800) 379-1300.

NOTE: All transactions are subject to the current rules and regulations of the Federal Government for Individual Retirement Accounts.

Rate Information. The current dividend rate for this account is .35% with an annual percentage yield (APY) of .35% .

We will pay this rate until first maturity.

Crediting Frequency. Dividends on this account will be paid on the last day of each calendar quarter and at maturity.

Compounding Frequency. Dividends will be compounded quarterly. Dividends are paid from current income and available earnings after

required transfers to reserves have been made at the end of the dividend period.

Effect of Closing Account. If you close the account before maturity, you may forfeit dividends. Please refer to the following section: Early

Withdrawal Penalties.

Early Withdrawal Penalties. A penalty may be imposed for withdrawals before maturity. The penalty will equal one hundred twenty (120)

days dividends on the amount withdrawn. We will charge the penalty first against any dividends accrued. Any excess will be deducted from

the amount withdrawn. There are certain circumstances, such as death or incompetence of owner, where we may waive or reduce this

penalty.

Automatically Renewable Account. This account is automatically renewable at maturity, unless you notify us otherwise. You will have a

grace period of ten calendar days after the maturity date to withdraw funds from the account without being charged an early withdrawal

penalty. (Funds withdrawn during the ten day grace period will earn dividends at the regular share rate.) Each renewal term will be the same

as the original term. The dividend rate will be the prevailing dividend rate stated for this account on the date of renewal.

Accrual of Dividends on Non-cash Deposits. Dividends will begin to accrue on the first banking day you place non-cash items (i.e.,

checks) into your account.

Balance Computation Method. Dividends are calculated by the average daily balance method, which applies a periodic rate to the

average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each

day of the period and dividing that figure by the number of days in the period. The period we use is 365 days.

Minimum Balance Requirement. The minimum required to open this account is $500.00.You must maintain a minimum daily balance of

$500.00 to obtain the disclosed annual percentage yield. The annual percentage yield assumes that dividends remain on deposit until

maturity. A withdrawal of dividends will reduce earnings.

Addition Limitations. After the account is opened, you may not make additions into the account until the maturity date stated on the

account.

Withdrawal Limitations. You may make withdrawals of principal from your account before maturity only if we agree at the time you request

the withdrawal. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. You cannot withdraw

dividends from your account before maturity.

COMMON FEATURES

Bylaw Requirements. You must complete payment of one share into your Share Savings account as a condition of admission to

membership. The par value of a share is $5.00.

Balance Requirements. If at any time your share account balance falls below the par share value of one share and you do not increase the

balance to at least the par value of one share within six months of the reduction, you may be terminated from membership.

National Credit Union Administration Insurance. HawaiiUSA FCU is federally insured by the National Credit Union Administration.

Limits and Fees. Please refer to our separate fee schedule for additional information about charges.

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60

HawaiiUSA Federal Credit Union – SFB.140115.03 Page 1 of 2

Effective January 15, 2014

^ Effective March 1, 2014

SCHEDULE OF FEES AND CHARGES All rates and service charges subject to change without notice

Member Business Share (Savings) and Share Draft (Checking) Accounts

Business Share Account

Share Account Minimum Balance (Par Value) $5.00

Secondary Share Account Minimum Balance $25.00

Account Service Fee (Assessed if the Average Daily Balance for the period is less than $5.00) $1.00 per month

SuperShare Account Excess Transaction Fee (Assessed if more than three (3) transactions occur in a month) $10.00 per occurrence

Early Closure Fee (Accounts closed within the first 90 days) $25.00

Inactive Account Fee (Three (3) years of no activity)+ $5.00 per month

Business Money Market Account Minimum Deposit to Open $50,000.00

Business Money Market Account Minimum Balance $50,000.00

Monthly Service Fee (Assessed if the Average Daily Balance for the period is less than $50,000.00) $20.00

Early Closure Fee (Accounts closed within the first 180 days) $100.00

Inactive Account Fee (Three (3) years of no activity)+ $5.00 per month

Business Share Draft Account (Standard) Minimum Deposit to Open $100.00

Average Daily Balance Requirement $500.00

Monthly Service Fee (Assessed if the Average Daily Balance for the period is less than $500.00) $5.00

First 75 transactions (i.e. deposits, checks paid, etc.) No charge

76 to 100 transactions (i.e. deposits, checks paid, etc.) $0.20 per transaction*

101 and over transactions, additional $0.20 per transaction or $0.40 per transaction**

Telephone Banking No charge

Online Banking/Bill Payment No charge

ATM Access at HawaiiUSA FCU and Bankoh Bank Machines No charge

Early Closure Fee (Accounts closed within the first 90 days) $25.00

Inactive Account Fee (One (1) year of no activity)+ $5.00 per month

Business Share Draft Account (Church, School, Community and Non-Profit Organizations)

Minimum Deposit to Open $100.00

Average Daily Balance Requirement None

First 75 transactions (i.e. deposits, checks paid, etc.) No charge

76 to 100 transactions (i.e. deposits, checks paid, etc.) $0.20 per transaction*

101 and over transactions, additional $0.20 per transaction or $0.40 per transaction**

Telephone Banking Not available

Online Banking/Bill Payment Not available

ATM Access Not available

Inactive Account Fee (One (1) year of no activity)+ $5.00 per month

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61HawaiiUSA Federal Credit Union – SFB.140115.03 Page 2 of 2

Account Related FeesNon-Sufficient Funds – Draft, ATM, Debit Card Withdrawal, ACH Debits^ $29.00 each

Stop Payment – Draft, Electronic Funds Transfer $25.00 each

Stop Payment – Cashier’s Check $30.00 each

Returned Deposited Item $10.00 each

ACH Credit Origination Fee – One Time/Recurring Payment Request $3.00 per transaction fee

Non-Notification of Current Mailing Address Fee $5.00 per quarter

Requested Copies (i.e. checks, statements, etc.) $2.50 per page

Legal Process (i.e. Garnishment, Levy) $50.00 each

Abandoned Property Processing fee (Assessed in the month an inactive account is processed for escheatment)++ $35.00

Draft (Check) Orders Fee dependent on style of draft ordered

Business Debit Card – Annual Fee# No annual fee

Debit Card Replacement $10.00 per card

Debit Card Re-Activation $10.00 per card

System Generated PIN $1.00 per mailer

Expedited Shipping of Debit Card $40.00 per card

ATM Withdrawals from Non-HawaiiUSA and Non-Bankoh Bank Machines^ $2.00 per withdrawal

Cross-Border (International) Transaction AssessmentCross-Border Assessment (Without currency conversion; single currency conversion)Cross-Border Assessment (With currency conversion; multi-currency conversion)

0.9% of the transaction1.1% of the transaction

Bill Pay FeesStop Payment $25.00 each

Requested copies (i.e. checks, etc.) $2.50 per page

Returned Items $12.00 each

Manual Payment Reissue $12.00 each

Exchange Services

Cashier’s Checks – Individual Members Only One (1) free per day, $8.00 each additional

American Express Travelers Cheques – Individual Members Only No charge

American Express Travelers Cheques for Two – Individual Members Only $0.50 per $100.00

American Express Gift Cheques – Individual Members Only $2.50 per check

MiscellaneousOutgoing Wire Transfers – Domestic $40.00

Outgoing Wire Transfers – Foreign $45.00

Incoming Wire Transfers through Another BankInitial TransferSubsequent Transfers

No charge$20.00

Incoming Wire Transfers Sent Directly to HawaiiUSA FCU No charge

Records Research $25.00 per hour/fraction

Check Collection $25.00 per check

Notary – Members No charge for first two (2) signatures

Notary – Non-Members Standard fees per Hawaii Revised Statutes

Signature Guaranty – Members Only No charge

* Average Daily Balance Requirement of $2,500 to avoid monthly service fee and per item charge.** Average Daily Balance Requirement of $7,500 to avoid monthly service fee and per item charge.+ Activity does not include Credit Union initiated transactions such as dividend payments, service charges, etc.

++ Hawaii Statutes require that after five (5) years of inactivity and no member contact, any account balances must be turned over to the State of Hawaii.

# Business Debit Card – NOT available to Non-Profit or Club accounts.^ Fees and charges are effective March 1, 2014.

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62

Revised 12/01/2014

HawaiiUSA Federal Credit Union BUSINESS PRIME SHARE ACCOUNT (00)

TRUTH IN SAVINGS DISCLOSURE

The information stated below is accurate as of November 1, 2012 . Please call us at (808) 534-4300 or 1 (800) 379-1300 to obtain

current rate and other information.

Rate Information. The dividend rate for this account is 0.10% with an annual percentage yield (APY) of 0.10%. The dividend rate and annual

percentage yield may change at any time, as determined by the credit union board of directors.

Compounding and Crediting. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the

dividend period. Dividends will be compounded monthly and paid on the last calendar day of each month. The dividend period is monthly. For

example, the beginning date of the first dividend period of the calendar year is January 1 and the ending date of such dividend period is January 31. All

other dividend periods follow this same pattern of dates. The dividend declaration date is the ending date of a dividend period, and for the example is

January 31. The annual percentage yield is based on reinvestment of earned and paid dividends. A withdrawal of dividends will reduce earnings.

Effect of Closing Account. If you close the account prior to the end of the dividend period, dividends will be accrued and paid through the date of

closure.

Accrual of Dividends on Non-Cash Deposits. Dividends will begin to accrue no later than the business day we receive provisional credit for the

deposit of non-cash items (i.e. checks) to this account.

Average Balance Computation Method. Dividends are calculated by the average daily balance method, which applies a periodic rate to the average

daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and

dividing that figure by the number of days in the period.

Minimum Balance Requirement. The minimum required to open this account is the purchase of a $5.00 share in the credit union payable at the time

of subscription. You must maintain a minimum daily balance of $5.00 in this account each day or your right to membership may be terminated. You

must maintain a minimum average daily balance of $100.00 in this account to obtain the disclosed annual percentage yield.

Fees. You must maintain a minimum average daily balance of $5.00 in this account to avoid a service fee. If, during any month, your average daily

balance is below the required minimum, this account will be subject to a service fee of $1.00 for that month. Accounts closed within the first ninety days

will be assessed a $25.00 service fee. A fee will be assessed for overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic

means. Please refer to the current Schedule of Fees and Charges for additional account fees.

Transaction Limitations. During any calendar month, you may not make more than six withdrawals or transfers to another credit union account of

yours or to a third party by means of a preauthorized or automatic transfer or telephonic order or instruction, or by check, draft, debit card, or similar

order. If you exceed the transfer limitations set forth above in any statement period, this account will be subject to closure by the credit union.

Bylaw Requirements. You must complete payment of one share into your Business Prime Share Savings account as a condition of admission to

membership. The par value of a share is $5.00. If your share balance is reduced below the par value of one share, and you do not increase the balance

to at least the par value of one share within six months of the reduction, you may be terminated from membership. We reserve the right, at any time, to

require you to give us written notice of your intent to make a withdrawal from your account of at least seven (7) days and up to sixty (60) days before the

intended withdrawal. You may not withdraw shareholdings that are pledged as security on loans without the written approval of the credit committee or a

loan officer, except to the extent that such shares exceeds your total primary and contingent liability to the credit union. You may not withdraw any

shareholdings below the amount of your primary or contingent liability to the credit union if you are delinquent as a borrower, or if borrowers for whom

you are a co-maker, endorser or guarantor are delinquent, without the written approval of the credit committee or loan officer.

Refusal to Accept Deposits or Permit Withdrawals. We reserve the right to refuse deposits into this account. We also reserve the right to refuse

withdrawals from this account if 1) you have insufficient available funds in this account, or 2) a governmental agency or court order restricts withdrawals.

National Credit Union Share Insurance Fund. Member accounts in HawaiiUSA FCU are federally insured by the National Credit Union Share

Insurance Fund.

Supplemental Provisions. Your account is subject to all other terms and conditions set forth in your account agreement and all other agreements you

have with the credit union.

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63 Revised 12/01/2014

HawaiiUSA Federal Credit Union BUSINESS SHARE DRAFT ACCOUNT STANDARD (20)

TRUTH IN SAVINGS DISCLOSURE

The information stated below is accurate as of November 1, 2012 . Please call us at (808) 534-4300 or 1 (800) 379-1300 to obtain current

rate and other information.

Minimum Balance Requirement. The minimum balance required to open this account is $100.00.

Fees. You must maintain a minimum average daily balance of $500.00 in this account to avoid a service fee. If during any month, your average daily

balance is below the required minimum, this account will be subject to a service fee of $5.00 for that month. Accounts closed within the first 90 days will

be assessed a $25.00 service fee. A fee will be assessed for overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic

means. Please refer to the current Schedule of Fees and Charges for additional account fees.

Drafts. You must use drafts that are approved by the Credit Union. Failure to use approved drafts may result in the draft not being paid.

Bylaw Requirements. You must complete payment of one share into your Business Prime Share Savings account as a condition of admission to

membership. The par value of a share is $5.00. If your share balance is reduced below the par value of one share, and you do not increase the balance

to at least the par value of one share within six months of the reduction, you may be terminated from membership. We reserve the right, at any time, to

require you to give us written notice of your intent to make a withdrawal from your account of at least seven (7) days and up to sixty (60) days before the

intended withdrawal. You may not withdraw shareholdings that are pledged as security on loans without the written approval of the credit committee or a

loan officer, except to the extent that such shares exceeds your total primary and contingent liability to the credit union. You may not withdraw any

shareholdings below the amount of your primary or contingent liability to the credit union if you are delinquent as a borrower, or if borrowers for whom

you are a co-maker, endorser or guarantor are delinquent, without the written approval of the credit committee or loan officer.

Refusal to Accept Deposits or Permit Withdrawals. We reserve the right to refuse deposits into this account. We also reserve the right to refuse

withdrawals from this account if 1) you have insufficient available funds in this account, or 2) a governmental agency or court order restricts withdrawals.

National Credit Union Share Insurance Fund. Member accounts in HawaiiUSA FCU are federally insured by the National Credit Union Share

Insurance Fund.

Supplemental Provisions. Your account is subject to all other terms and conditions set forth in your account agreement and all other agreements you

have with the credit union.

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64 Revised 12/01/2014

HawaiiUSA Federal Credit Union BUSINESS SHARE DRAFT ACCOUNT (21)

CHURCH, SCHOOL, COMMUNITY AND NON-PROFIT ORGANIZATIONS TRUTH IN SAVINGS DISCLOSURE

The information stated below is accurate as of November 1, 2012 . Please call us at (808) 534-4300 or 1 (800) 379-1300 to obtain current

rate and other information.

Minimum Balance Requirement. The minimum balance required to open this account is $100.00.

Fees. A fee will be assessed for overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means. Please refer to the

current Schedule of Fees and Charges for additional account fees.

Drafts. You must use drafts that are approved by the Credit Union. Failure to use approved drafts may result in the draft not being paid.

Bylaw Requirements. You must complete payment of one share into your Business Prime Share Savings account as a condition of admission to

membership. The par value of a share is $5.00. If your share balance is reduced below the par value of one share, and you do not increase the balance

to at least the par value of one share within six months of the reduction, you may be terminated from membership. We reserve the right, at any time, to

require you to give us written notice of your intent to make a withdrawal from your account of at least seven (7) days and up to sixty (60) days before the

intended withdrawal. You may not withdraw shareholdings that are pledged as security on loans without the written approval of the credit committee or a

loan officer, except to the extent that such shares exceeds your total primary and contingent liability to the credit union. You may not withdraw any

shareholdings below the amount of your primary or contingent liability to the credit union if you are delinquent as a borrower, or if borrowers for whom

you are a co-maker, endorser or guarantor are delinquent, without the written approval of the credit committee or loan officer.

Refusal to Accept Deposits or Permit Withdrawals. We reserve the right to refuse deposits into this account. We also reserve the right to refuse

withdrawals from this account if 1) you have insufficient available funds in this account, or 2) a governmental agency or court order restricts withdrawals.

National Credit Union Share Insurance Fund. Member accounts in HawaiiUSA FCU are federally insured by the National Credit Union Share

Insurance Fund.

Supplemental Provisions. Your account is subject to all other terms and conditions set forth in your account agreement and all other agreements you

have with the credit union.