Fee Schedule

Share Draft Account Fees

O/D Share Transfer $2.00 NSF $25.00/Item Returned Payment $25.00/Item Stop Payment $25.00/Request

Money Market Checking Account Fees

MINIMUM BALANCE $15.00/Month if minimum daily balance is not met

Other Service Fees

Account Reconciliation $15.00/Hour Account Research $15.00/Hour Cashier's Check $2.00/Check Third Party Deposited Item Return $15.00/Item Western Union $20.00/Transfer International Wire/Western Union $30.00/Transfer Bank Wire $20.00/Transfer Returned Mail $2.00 Reissue Lost CU Check $5.00 Non-Member Visa Gift Cards $3.50/Each In-House Loan Refinance 1.50% Late Loan Payment $25.00 After 15 Days FedEx Overnight (weekday) $18.00 FedEx Overnight (weekend) $28.00 Check Cashing (non-active accounts) 4% Face Value ($3.00 Minimum) Check Printing Prices Vary Depending on Style Excessive Share Withdrawal $5.00 Excessive Club Withdrawal $10.00 Dormant Fee (inactive accounts over 1 year) $5.00/Month after 1 Year of inactivity O/S Stale-Dated CU Check Fee $5.00

EFT Fees

ACH Overdraft $25.00 ATM Card $5.00 ATM Transaction $1.00 for each ATM transaction Debit Card $5.00/Replacement after 2 free PIN Reissue $5.00