Schedule of Fees & Charges -- Effective 3/3/08

Share Account:
Close within 90 days $10.00 each time
Reopen within 90 days $10.00 each time
Stop Payment Credit Union Check $15.00 per check
Frequency Withdrawal 1 per Payday permitted; $2.00 each withdrawal thereafter
Wire Transfer $15.00 per wire
Verification of Account $10.00 per verification
Locator fee - New Address $10.00 each time
Inactive account Service Charge 10.00 per quarter (after two years of no activity)
Automatic Transfer to cover overdraft $1.00 per transfer
Chargeback deposit item $15.00 per check
Cashiers Checks Two free permitted per day; Then $5 per check
Replacement for lost ATM or Visa Check Card;Rush Fee

$25.00;$45.00

Share Draft and Money Market:
Draft printing fee Depends on draft ordered
Stop payment $15.00 per check
Chargeback deposit item $15.00 per check
Printout of month's transactions $2.00 per printout
Copy of Statement $5.00 per copy
Copy of Draft $5.00 per draft
Insufficient funds charge
Share Draft $25.00 per item
Automatic Clearing house $25.00 per item
ATM Withdrawal fees
Cash $1.00 per withdrawal
Point of Sale No Fee
Inquiry $0.50 per inquiry
Wire Transfer $15.00 per transfer
Cashiers Checks Two free permitted per day; Then $5 per check
Replacement for lost ATM or Visa Check Card; Rush Fee $25.00; $45.00
Writ/Levy Fee $30.00
Account Balancing/Research $25/hour
Visa Gift Card Fee $3.00
Money Market:
Excess Money Market Transfer $20.00
Frequency Withdrawal If balance is below $500, you will be charged a fee in accordance to the Credit Union Fee policy if more than one withdrawal is done per month at the teller window.
Other:
Money Order and Travelers Check fees
Money Orders (Balances below $5,000 in Share Account) $2.00
Travelers Check (Balances below $5,000 in Share Account) 1% of the face value of the Travelers Check