Schedule of Fees

Fees are accurate as of January, 2010.

Account Fees:

• Overdrawn Share Account - $25.00
• Return of Deposited Item - $10.00
• Unavailable Funds - $29.00
• Stop Payment - $15.00
• Stop Payment for Third Party Checks - $20.00
• Share Draft Courtesy Pay Fee - $10.00
• Certified Corporate Draft - $5.00
• Photocopy of Draft - $3.00
• Fax Copy of Draft - $4.00
• Copy of Statement - $3.00
• Account Reconciliation - $25.00
• Collection Item - $25.00
• Inactive Account Fee (after 1 year inactive) - $1.00 per month

Excessive Club Account Withdrawals:

• Holiday Club (in excess of 1 per year) - $5.00
• Vacation Club (in excess of 4 per year) - $5.00

ATM/Debit Fees:

• ATM Withdrawals:
• Up to Six (6) per month - No Fee
• Additional Withdrawals (without direct deposit) - $1.00 Each
• Additional Withdrawals (with direct deposit) - No Fee
• ATM Inquiries and Transfers:
• Up to Six (6) per month - No Fee
• Additional Withdrawals (without direct deposit) - $1.00 Each
• Additional Withdrawals (with direct deposit) - No Fee
• ATM POS Transactions - No Fee
• ATM/Debit Card Replacement - $5.00
• Debit Card Purchases - No Fee

Visa Credit Cards:

• Over Credit Limit Fee - $15.00
• Late Fee - $15.00

Late Fee on Loans:

• Consumer Loans - $15.00
• Home Equity Loans - 1.5% of Payment

CU Service Centers:

• Visit to any center (in excess of 4 per month) - $2.50

Miscellaneous Fees:

• American Express Travelers Checks(1) - No Fee
• American Express Gift Checks - $2.50
• American Express Gift Cards - $3.95
• Visa Gift Cards - $3.95
• Money Orders (without direct deposit) - $1.50
• Money Orders (with direct deposit) - No Fee
• Domestic Outgoing Wire Transfers - $20.00
• International Outgoing Wire Transfers - $30.00
• Transfer Funds between accounts using Audio Teller - No fee
• Transfer Funds between accounts by phone (not using Audio Teller) - $2.00
• Tax Levy/Restraining Notice:
• Information Subpoena - $35.00
• Notary Public Service - No Fee
• Undeliverable Statement/Mail - $5.00
• Account Verification Letter - $5.00
• Home Banking - No Fee
• Bill Payment (without direct deposit)-per month - $4.50
• Bill Payment (with direct deposit) - No Fee
• Check withdrawal payable to 3^rd party (under $1,000) - $3.00

For further information, contact a credit union representative online or at any branch location.