FEE SCHEDULE

SAVINGS ACCOUNT FEES

Excessive Withdrawal Fee.............. $5.00 per withdrawal,

if more than six (6) per

calendar quarter

Christmas Club.......................... $10 early withdraw, or

each withdraw in excess of

1 per draw period of 10/1 – 12/24

ATM CARD FEES

Withdrawals.................................................. $1.00

No fee for first 3 withdrawals per month

(any machine surcharges apply to all withdrawals)

Deposits................................................. no charge

Balance Inquiry.............................................. $1.00

POS (Point of Sale)..................................... no charge

PIN change.............................................. no charge

Lost Pin....................................................... $5.00

Replacement Card.......................................... $5.00

SHARE DRAFT ACCOUNT FEES

Share Draft Printing fee.............................. Prices vary

depending on style

Copy of Draft fee................................ $2.00 per copy

ADD’L SERVICE FEES (applicable to all accounts)

Overdraft Fee................................... $20.00 per item

Automatic Overdraft transfer fee.............. $1.00 per item

Stop Payment fee............................ $7.00 per request

Account Reconciliation fee.................... $10.00 per hour

Account Research fee......................... $10.00 per hour

Statement or History Copy fee................ $2.00 per page

Wire Transfer (outgoing) fee.................. $15.00 per wire

International Wire........................... $50.00 per wire

Western Union Transfer fee.............. $20.00 per transfer

International, $500 and less.......... $30.00 per transfer

International, over $500.............. $50.00 per transfer

Travelers Check fee......................... $1.00 per $100.00

Money Order fee..................................... $1.00 each

Teller Check fee....................................... $3.00 each

Inactive/Dormant Account fee............... $5.00 per month

after 1 year and acct balance

under $50.00

Abandoned Account fee...................... $5.00 per month

Loan Skip-A-Payment fee...................... $25.00 per loan

Check Cashing............ $5 unless equal balance in account

Returned mail fee .................................... $5.00 each

Savings Bonds......................................... $2.00 each

The rates and fees appearing in this Schedule are accurate and effective for deposit accounts as of the Effective Date indicated on Schedule. If you have any questions or require current fee information on your accounts, please call the Credit Union. 03/01/07