Checking & Savings	Certificates and IRAs	Money Markets
Consumer Loans	First Mortgage Loans	Fees and Charges
	Home Equity Line of Credit

This addendum is incorporated into and becomes part of your
Island 1 LOANLINER^® Credit & Security Agreement.

Rates Effective July 14, 2008

Replaces addendum dated April 1, 2008

Checking & Savings

APY is Annual Percentage Yield

Account Type	Minimum	Dividend Rate	APY
Island Checking	$100 $10,000 $25,000	0.00% 0.25% 0.25%	0.00% 0.25% 0.25%
Share Savings	$5 $100	0.00% 0.50%	0.00% 0.50%
MatriMoney	$200	1.00%	1.00%
Health Savings Accounts	$50 $2,500 $5,000 $25,000	1.00% 1.24% 1.49% 2.47%	1.00% 1.25% 1.50% 2.50%

Money Markets

APY is Annual Percentage Yield

Account Type	Minimum	Dividend Rate	APY
Island Money Market	$2,500 $5,000	.75% 1.00%	.75% 1.00%
Premium Money Market	$25,000	1.98%	2.00%

Certificates and IRAs

APY is Annual Percentage Yield

Account Type	Minimum	Dividend Rate	APY
Daily IRA
	$50 $50,000	1.00% 1.98%	1.00% 2.00%
Saver Certificate
6 months	$500	1.49%	1.50%
12 months	$500	1.74%	1.75%
IRA Saver Certificate
6 months	$500	1.74%	1.75%
6 months	$2,000	2.62%	2.65%
6 months	$10,000	2.67%	2.70%
Share Certificate
3 months	$2,500	2.33%	2.35%
6 months	$2,500	2.62%	2.65%
12 months*	$2,500	2.72%	2.75%
18 months*	$2,500	2.76%	2.80%
24 months*	$2,500	2.81%	2.85%
30 months*	$2,500	2.91%	2.95%
36 months*	$2,500	2.96%	3.00%
60 months	$2,500	3.16%	3.20%
Mini-Jumbo Share Certificate
3 months	$10,000	2.37%	2.40%
6 months	$10,000	2.67%	2.70%
12 months**	$10,000	2.76%	2.80%
18 months**	$10,000	2.81%	2.85%
24 months**	$10,000	2.86%	2.90%
30 months**	$10,000	2.96%	3.00%
36 months**	$10,000	3.01%	3.05%
60 months**	$10,000	3.21%	3.25%
Jumbo Share Certificate
3 months	$100,000	2.42%	2.45%
6 months	$100,000	2.72%	2.75%
12 months**	$100,000	2.81%	2.85%
18 months**	$100,000	2.81%	2.85%
24 months**	$100,000	2.86%	2.90%
30 months**	$100,000	2.96%	3.00%
36 months**	$100,000	3.01%	3.05%
60 months**	$100,000	3.21%	3.25%

*Notes to Deposit Products* * Available as IRA certificates with only a $2,000 minimum. Also available as HSA share certificates. ** Available as IRA certificates and HSA share certificates. See Deposit Account Agreement & Disclosure for Truth-In-Savings disclosure and early withdrawal penalties that may apply to Share/IRA Certificates. Deposits insured to $100,000 by NCUA.

Consumer Loan Rates (Addendum)

Account Type	Approximate Term	Custom APR	Standard APR	Preferred APR
Island Line of Credit¹	revolving	n/a	17.50%	14.50%
New & Used Auto to 100% financing²	31 - 72 months	12.49%	8.69%	6.49%
New & Used RV/Boat/ Motorhome	to 84 months	n/a	11.25%	9.00%
New & Used RV/Boat/ Motorhome	to 120 months	n/a	12.25%	9.50%
New & Used Mobile Home	to 180 months	n/a	13.00%	12.00%
Signature³	varies	n/a	18.00%	n/a
Share-Secured	to 36 months	n/a	share rate + 3%	n/a
Share-Secured	37 - 60 months	n/a	share rate + 5%	n/a
Certificate-Secured⁴		3.0% Above Certificate Rate

Annual Percentage Rate (APR)	Daily Percentage Rate (DPR)
6.49%	0.0177808%
8.69%	0.0238082%
9.00%	0.0246575%
9.50%	0.0260274%
11.25%	0.0308219%
12.00%	0.0328767%
12.25%	0.0335616%
12.49%	0.0342192%
13.00%	0.0356164%
14.50%	0.0397260%
17.50%	0.0479452%
18.00%	0.0493151%

Other Provisions
All loans are subject to credit approval. Your overall credit worthiness will determine the interest rate available to you (Custom, Standard, or Preferred).
¹ Island Line of Credit: Minimum monthly payment will be the greater of 2.5% of outstanding balance at close of business day on statement cycle date, or $25. Minimum payment will be adjusted at each billing or on periodic review by Board of Directors. Payments are due the 15th of each month.
Island Line of Credit Finance Charge: The dollar amount you pay for money borrowed is called "finance charge" and begins on the date of each advance. To compute the finance charge, the unpaid balance from each day is multiplied by the applicable daily periodic rate. The sum of these amounts is the finance charge owed. The balance used to compute the finance charge is the unpaid balance each day after payments and credits to the balance have been subtracted and any additions to the balance have been made.
² Auto Loan: Terms over 72 months are subject to approval and will increase the loan's Annual Percentage Rate (APR).
³ Due Date: Your payment due date will be disclosed at the time your loan proceeds are distributed.
There is no grace period.
⁴ CERTIFICATES: The Annual Percentage Rate you receive for Certificate-secured advances is a fixed rate that will be stated on the Voucher or Receipt received at the time of the advance. The Certificate will be held until the loan is repaid.

Collection Costs
You agree to pay all costs of collecting the amount you owe under this Agreement including court costs and reasonable attorney fees.

Other Charges
Late Charges: Payments received 10 days or more after due date incur late charges, calculated as follows based on loan type---
      Secured Non-Real Estate Loans:  5% of past due payment amount
      Unsecured Loans:  $10
Island Line of Credit Annual Fee:  $10 (waived for members with BenefitsPLUS)
Returned item (paper or electronic): $15

New & Used Auto Loan Discounts
If you fail to initiate or continue your Automatic Transfer of your loan payment from your Island Checking Account and/or fail to initiate or continue your Direct Deposit to your Island Checking Account, you will lose any loan rate discount(s) given in consideration of such automatic transfer and/or direct deposit. Thereafter, your loan APR will be the non-discounted APR as initially disclosed to you. Your payment will remain unchanged and your term may be extended. If your loan has a variable rate feature, the APR and (corresponding Daily Periodic Rate) may vary.

Discounts: 0.25% for Automatic Transfer of your loan payment from your Island Checking Account; 0.50% for Direct Deposit to your Island Checking Account (Minimum $400 Direct Deposit per month required to receive discount)

Note: In our LoanLiner documents, when we use the word subaccount, it means type of credit, loan and/or loan account. The word share draft means checking account, and share account means savings or share savings account.

Fees and Charges

*Auto equity loan documentation*	$100
*Automobile Sales Finance contract extensions or deferrals*	$25
*Checks/Electronic debits*
Cashier's check (to 3rd party)	$2*
To account holder	No charge
Check cashing (if member only has savings account and balance is less than $200)	$3
Check printing	As quoted
Collection item (incoming/outgoing)	Cost + $10
Excess activity (applies to money market/savings/health savings accounts having more than six non-branch withdrawals per month, of which no more than three can be by check)	$10
Gift check	$2.50
Insufficient funds or Uncollected funds
Check paid by North Island CU	$25
Member checks, electronic payments or withdrawals	$25
Money order	$2*
Commercial money order	Varies
Overdraft transfer (from savings or money market)	$5
Stop payment	$20
Per 3+ consecutive checks	$45
Temporary checks
Initial set of 9 (upon opening account)	No charge
Per sheet of 3	$1
Traveler's checks (for one or two signers)	1% of value*
*Checking/Savings Account Closure* (within 90 days of opening)	$10
*Escheat notification*	$2
*Health Savings Account Maintenance* (if average daily balance falls below $2,500)	$1/mo.**
*Individual Retirement Accounts*
Transfer from North Island CU	$20
Early/non-qualified distribution	$10
*Island Checking*	Fee-free
*Lifetime membership*	$5
*Loan modification*	$25+
*My Island Banking* Internet banking	Fee-free
Bill Payment	Fee-free
Paper copy of bill payment	$5
Rejected payment	$20

*NiftiCard Visa^® Check Card* ATM Transactions (PIN required)
The Island ATMs	Fee-free
CO-OP ATMs	Fee-free
AFFN ATMs (on San Diego County military bases and aircraft carriers)	No network fee; surcharge may apply
Other ATMs	Network fee; surcharge may apply
Network fees Per withdrawal Per transfer or inquiry	$1* $0.50*
Check card use (no PIN required)	Fee-free
Replacement card (original/damaged cards free)	$5
NiftiPhone^® automated teller	Fee-free, toll-free
*Copy* of a check (2 free per month), statement or voucher	$2
Monthly activity printout (1st pg free)	$2
*Research* — per hour	$20
*Returned item* (paper or electronic) applies to deposits or loans	$15
*Returned statement*	$5
*Savings Account Maintenance* (if avg. daily balance falls below $200)	$3/mo.++
*Wire Transfer*
Incoming	$10
Outgoing ($50 minimum transfer)	$25
International	$35
*Other*
Medallion stamp (per signature)	$15
Notary Service (per non-North Island CU document with one or more signatures, $50 max.)	$10*
*Notes to Fees and Charges* Waived for members with BenefitsPLUS. *Waived for the first year account is open. + Applies to member-requested loan modifications, or refinancing an existing North Island CU auto loan ++Waived with direct deposit; minimum $200 average monthly balance in at least one deposit account or loan; open credit limits on Home Equity Lines of Credit; or for members under age 18 or over 60.