Share Drafts (Checking)

<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0><tr> <td valign="top" colspan=2 height=85 BGCOLOR="#FFFFFF" TEXT="#080000"> <div> <B>  TRANSIT OPERATIONS FEDERAL CREDIT UNION</B></div> <div> <B> Products & Services</B><FONT SIZE="1" COLOR="#000000" FACE="Arial" ><B> </B></FONT></div> <div> <B> </B>|  <A HREF="id23.htm" TARGET="_top" TITLE="Savings"><U>Savings</U></A>   |   Share Drafts (Checking)   |   <A HREF="id24.htm" TARGET="_top" TITLE="Consumer and Home Equity Loans"><U>Consumer and Home Equity Loans</U></A>   |   <A HREF="id25.htm" TARGET="_top" TITLE="Home Mortgage and Reality Services"><U>Home Mortgage and Reality Services</U></A>   |   <A HREF="id37.htm" TARGET="_top" TITLE="Other Member Benefits"><U>Other Member Benefits</U></A>   |   <A HREF="id39.htm" TARGET="_top" TITLE="Calculators"><U>Calculators</U></A></div> <div> </div> </td> </tr><tr> <td valign="top" width=180 BGCOLOR="#990033" TEXT="#080000"> <div> <A HREF="index.htm" TARGET="_top" TITLE=" TRANSIT OPERATIONS FEDERAL CREDIT UNIO"><U><B>Home</B></U></A></div> <bR> <div> <A HREF="id18.htm" TARGET="_top" TITLE="About"><U><B>About</B></U></A></div> <bR> <div> <A HREF="id21.htm" TARGET="_top" TITLE="Products Services"><U><B>Products & Services</B></U></A></div> <bR> <div> <A HREF="id17.htm" TARGET="_top" TITLE="Contact Us "><U><B>Contact Us</B></U></A></div> <bR> <div> <A HREF="id20.htm" TARGET="_top" TITLE=" Hours Location"><U><B>Location</B></U></A></div> <bR> <div> <A HREF="id26.htm" TARGET="_top" TITLE="Privacy"><U><B>Privacy</B></U></A></div> <bR> <div> <A HREF="id19.htm" TARGET="_top" TITLE="News Events"><U><B>News & Events</B></U></A></div> </td> <td valign="top" height=395 BGCOLOR="#FFFFFF" TEXT="#080000"> <div> <I><B>Share Drafts (Checking)</B></I></div> <div>   Have your checking account where you belong</div> <div> <I><B>Click here to:</B></I></div> <div> <A HREF="https://reorder.libertysite.com/default.aspx" TARGET="_top" TITLE="https://reorder.libertysite.com/default."><U><I><B>REORDER CHECKS</B></I></U></A></div> <div> TOFCU offers the best in low fee, dividend earning checking accounts combined with the caring and personal touch you can find only at your credit union!  Add in the convenience of ATM access, payroll deduction and direct deposit, and you have a checking account to meet the needs of every member of the family!</div> <bR> <DIV ALIGN="LEFT"></DIV> <div> <B>Share Draft Account</B></div> <div> Rates are effective as of May 21, 2008</div> <div> <TABLE BORDER="2" CELLPADDING="2" CELLSPACING="1" WIDTH="768" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="BOX" RULES="ALL" ALIGN="BOTTOM" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=TOP BGCOLOR=#DDDDDD HEIGHT= 32 WIDTH="201"><div> <B>Minimum Balance to </B></div> <div> <B>Open  Account</B></div> </tD> <tD VALIGN=TOP BGCOLOR=#DDDDDD><NOBR><div> <B>Annual Percentage </B></div> <div> <B>Yield  (APY)</B></div> </NOBR></tD> <tD VALIGN=TOP BGCOLOR=#DDDDDD><NOBR><div> <B>Minimum Balance to </B></div> <div> <B>Earn Dividend</B></div> </NOBR></tD> <tD VALIGN=TOP BGCOLOR=#DDDDDD WIDTH="254"><div> <B>Comments</B></div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 32 ><NOBR><div> $20 </div> <div> (to pay for first order of share drafts)</div> </NOBR></tD> <tD VALIGN=TOP WIDTH="140"><div> 0.25%</div> </tD> <tD VALIGN=TOP WIDTH="140"><div> $1,000</div> </tD> <tD VALIGN=TOP><NOBR><div>     No monthly service fee.  No minimum</div> <div>     balance required after account is opened.</div> </NOBR></tD> </tR> </TABLE></div> <div> <B>The above rate is the anticipated Annual Percentage Yield (APY) for the current dividen</B></div> <div> <B>period.  </B><B>This rate may </B><B>change as determined by the credit union Board of Directors.  Any</B></div> <div> <B>fees you inccur will reduce the earnings on your accoun</B><FONT SIZE="4" COLOR="#0000BF" FACE="Arial" ><B>   </B></FONT></div> <bR> <bR> <div> <B>Share Draft Account Fees</B></div> <div> As of May 21, 2008</div> <div> <TABLE BORDER="2" CELLPADDING="2" CELLSPACING="1" WIDTH="531" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="BOX" RULES="ALL" ALIGN="BOTTOM" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=TOP HEIGHT= 16 WIDTH="180"><div> Automatice Transfer</div> </tD> <tD VALIGN=TOP><NOBR><div> $ 6  (no charge if you transfer on you own before NSF)</div> </NOBR></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 16 ><NOBR><div> Deposit to Cover Overdraft</div> </NOBR></tD> <tD VALIGN=TOP WIDTH="332"><div> $25 per item</div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 16 WIDTH="180"><div> NSF - Returned check</div> </tD> <tD VALIGN=TOP WIDTH="332"><div> $25 per check</div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 16 WIDTH="180"><div> Account Balancing</div> </tD> <tD VALIGN=TOP WIDTH="332"><div> $15 per hour ($15 minimum) </div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 16 ><NOBR><div> Copy of Cleared Check</div> </NOBR></tD> <tD VALIGN=TOP WIDTH="332"><div> $ 7 per copy</div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 16 WIDTH="180"><div> Draft Printing</div> </tD> <tD VALIGN=TOP WIDTH="332"><div> depends on style</div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 16 WIDTH="180"><div> Stop Payment</div> </tD> <tD VALIGN=TOP WIDTH="332"><div> $25 (all items)</div> </tD> </tR> </TABLE></div> <bR> <div> <IMG SRC="08193370.gif" border=0 width="147" height="55" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></div> <bR> <bR> <bR> </td> </tr></table></body>