| FEES APPLICABLE TO ALL ACCOUNTS |
| Effective 2-1-2011 |
| SHARE/SAVINGS ACCOUNT | |
| Dormant Account (no account activity for 12 months) | $15.00/month |
| Excessive withdrawal fee-more than 6 per month share/share draft, including ATM (free if you maintain $200 in regular shares) | $3.00/item |
| Telephone Transfer-non CU Talk | $3.00/each |
| Deposit item returned | $29.00/item |
| SHARE DRAFT/CHECKING ACCOUNT | |
| Temporary share drafts | $5.00/12 |
| Overdraft/late overdraft charge | $29.00/item |
| Deposit transfer-overdraft | $5.00/overdraft |
| Stop payment order-personal/corporate | $29.00/order |
| Draft copy(micro-film) | $5.00/copy |
| Draft account closed (unused drafts not returned) | $10.00 |
| Draft printing | "Price May Vary" |
| Courtesy pay fee | $29.00/item paid |
| ACH origination-return | $29.00 |
| CHECK CASHING FEES | |
| Check cashing fee (excluding personal checks) | $3.00 |
| Check cashing free with $200 maintained in regular shares or active share draft account. | |
| Non-members for on-us checks & Official/Cashier's checks | $5.00 |
| ATM/DEBIT CHARGES | |
| ATM, New orders | $3.00 |
| Debit Card, First Order | FREE |
| ATM Transaction Free (non-co-op Machine) | $2.00 |
| ATM/Debit Card Replacements | $8.00 |
| ATM/Debit pin reorders | $5.00 |
| ATM/Debit Card and PIN replacement | $10.00 |
| ATM Overdraft | $29.00 |
| MISCELLANEOUS | |
| Account Closed in less than 90 days | $25.00 |
| Account Closed and reopened | $10.00 |
| Christmas Club early withdrawal fee | $10.00 |
| Reconciliation or record searches | $20.00/hour |
| Statement photocopies or history | $1.00/page |
| Address correction by post office | $5.00 |
| Credit Union Membership | $1.00 |
| Co-Optical | $2.00 |
| Money Orders | $1.00/each |
| Check Mail out | 3.00/each |
| Bill Pay-inactive users | $2.00 |
| Intra bank, credit union wire-domestic | $15.00 |
| Intra bank, credit union wire-international | $30.00 |
| Official/Cashiers check ( 1 free per day) | $2.00/each after 1 |
| Loan Extension fee | $35.00 |
| Notary Service | FREE |
| Family Service Center Usage | FREE |
| Fax Service (no long distance) | $1.00/page |
| Copy Service | .25/page |
| Foreign item process | $2.00 |
| Returned item-Closed account | $29.00/item |
| Garnishment/levy/subpoena/court action | $50.00/item |
| Legal Processing | $50.00 |
| Third Party Collection fee | $20.00+1.00/page after 20 |
| IRA Transfer/Rollover fee | $20.00 |
| IRA Withdraw fee | $10.00 |
| Escheatment fee | $50.00 |
| Mortgage payoff request fee | $15.00 |
| Account Verification fee | $3.00 |
| One-time, ACH phone payment | $10.00 |
| Visa Gift Card Fee | $5.95 |
| Reloadable Debit Card | $5.95 |