1Electronic transactions include Internet Banking Solutions, Telephone Banking Solutions (TelNat), Automated Banking Machines and Interac Direct Payments, Interac®1 and CIRRUS®3 banking machine networks. User fees are extra. No charge for THE EXCHANGE®5 banking machine network. Additional in-branch and electronic transactions are charged at the regular rate. 2 Monthly fee is waived if minimum monthly balance of $2,500 is maintained. 3 Monthly fee is waived if minimum monthly balance of $5,000 is maintained. ®1 Registered trademark of Interac Inc. ®3 Registered trademark of CIRRUS SYSTEMS Inc. ®4 Virtuoso is a trademark of National Bank. ®5 Registered trademark of Fiserv Inc.