Service Fee Schedule Item Amount Checking/Savings Account Fees Monthly Service Charge FREE Close Account Within 90 Days $10.00 Courtesy Pay Overdraft Privilege $30.00 Share Draft Non-Sufficient Funds $30.00 Stop Payment (per request) $15.00 Returned Deposited Item $20.00 Check Order New Account Order (50 checks) FREE Subsequent Orders See Price List Check Copy $3.00 Overdraft Transfer to Checking $3.00 (Up to six each month; Enrollment required) Transaction Fees Money Order $1.50 Teller Check to Third Party $3.00 Certified Check $7.00 Check Cashing 1 $10.00 ATM Transaction Fee (first 10 each month) FREE ATM Transaction Fee (after first 10 FREE) $1.00 each (Include ATM deposits, withdrawals, transfers and inquiries) Debit Card Point-of-Sale Transaction Fee FREE Telephone Transfers FREE Other Fees Notary Service (members only) FREE Statement Copy $3.00 Inactive (Dormant) Account Fee $5.00/month Account Reconciliation/Research $20.00/hour Bad Address - Undeliverable Statement $5.00 Domestic Wire Transfer: Incoming FREE Outgoing $20.00 Legal Process: Garnishment/Levy $50.00 Escheat $75.00 IRA Transfer to New Trustee $40.00 IRA Annual Fee FREE Debit and Credit Card Fees Card Replacement $5.00 Lost Debit Card $15.00 VISA Check Card (Debit): Initial Card Issuance FREE Annual Fee FREE Debit Point-of-Sale Transactions FREE Courtesy Pay Overdraft Privilege 2 $30.00 ATM/Debit Non-Sufficient Funds 2 $30.00 VISA Credit Card: Annual Fee FREE Overlimit Fee FREE VISA Travel Money Card $4.00 Virtual Branch Home Banking Home Banking FREE Transfers FREE On-Line Bill Pay FREE E-Statements FREE Bill Pay Stop Payment $40.00 1 Shares average under $100.00 over last 30 days; no direct deposit; no other services used. Subject to normal check cashing criteria. 2 If selected Fees listed above are effective July 31, 2010 and are subject to change. You may obtain a current Service Fee Schedule by contacting the credit union.