Great River Federal Credit Union’s mission is to ensure members’ personal financial success. The best way to accomplish our mission is to build relationships with our members by offering the full scope of products and services available. Our goal is to be our members’ primary financial institution. Member Relationship Plans are instrumental in accomplishing our goal by rewarding members who use the products and services we offer. All four plans offer: Unlimited transactions at GRFCU owned ATMs Free call 24/phone banking (up to 100 transactions per month) Free online banking access Free notary public services Free e-statements VISA check card/ATM card with no annual fee (standard credit qualifications apply) VISA classic credit card (standard credit qualifications apply) Checking accounts with no minimum balance (standard credit qualifications apply)

MINOR PLAN If age 23 or younger you are placed in the minor plan with no minimum balance requirement1 All information on Fee Schedule applies.

FIRST ADVANTAGE PLAN You are placed in the first advantage plan if you have:    Combined savings & checking balances under $2001 All information on Fee Schedule applies.

CLASSIC ADVANTAGE PLAN You are placed in the classic advantage plan if you have:     Combined savings & checking balances between $200 and $15,000 or     Combined balances on open loans under $15,0001   Discounted Fees: Assisted telephone transfer/balance Inquiry (not audio response or ATM) Check copies (within 3 years) - limitations apply Corporate checks Travelers checks Travelers checks for two   $1.00/transfer   $1.00/copy $2.00/check Free Free Discounted Rates: .15% APY* bonus on first advantage rates .15% APR* discount on consumer loan rates All other information on Fee Schedule applies.

PREMIER ADVANTAGE PLAN You are placed in the premier advantage plan if you have:    Combined savings & checking balances above $15,000 or    Combined balances on open loans above $15,000    Obtaining a secondary market mortgage loan through GRFCU qualifies the account for premier advantage for the   life of the account1   Free Services: Assisted telephone transfer/balance inquiry (not audio response or ATM) Automatic transfers from savings Non-GRFCU ATM use (other vendor charges may apply) Activity printout Check copies (within 3 years) - limitations apply Corporate checks Travelers checks Travelers checks for two 2 Boxes of standard checks per year Discounted Rates: .25% APY* bonus on first advantage rates .25% APR* discount on consumer loan rates $5.00 off yearly rental of safe deposit box All other information on Fee Schedule applies.

* APY - annual percentage yield. APR - annual percentage rate. 1 -  Each plan is determined monthly based upon the combined average monthly share and loan balances, automatically adjusting to ensure the member will receive full advantage of accounts at the credit union.