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SCHEDULE OF FEES


FEES

SHARE ACCOUNT FEES



Share Account Excessive Withdrawel (after 3 per month)
$5.00/Withdrawel
Minimum Balance Fee
$5.00
Christmas Club Excessive Withdrawal (after 1 transfer or withdrawal)
$15.00/Transfer or Withdrawal
Account Closure (closed within 6 months of opening date)
$25.00
Third Party Teller Check
$5.00

SHARE DRAFT ACCOUNT FEES



Non-Sufficient Funds
$35.00/item
ACH Late Return
$35.00
Stop Payment
$35.00/Request
Draft Fee
$35.00
Share Draft Photocopy (1 free copy per month)
$5.00/Copy
Overdraft Transfer
$3.00
Money Market Excessive Withdrawal (after 3 per month)
$10.00/Withdrawal

ELECTRONIC FUNDS TRANSFER FEES



Nonproprietary ATM Withdrawal/Transfer
$1.50
Account Inquiry
$1.50
Debit Card Replacement
$7.50
Debit Card PIN Replacement
$7.50
Money Order
$2.00/Each
Credit Card Payment by Phone
$10.00/Each
Loan Payment by Phone
$10.00/Each


OTHER SERVICE FEES



Courtesy Pay
$35.00
Account Reconciliation
$20.00/Hour
Account Research
$10.00/Hour
Statement Copy
$2.00/Copy
Wire Transfer (Outgoing)
$20.00/Transfer
Wire Transfer (Incoming)
$10.00/Transfer
Western Union Wire
$15.00/Transfer
Returned Item
$35.00
Letter of Collateral Across Border
$20.00
IRS Levies, Subpoenas, and Other Court Mandated Information
$50.00
Lost Title Processing
$10.00
Online Banking Password Reset
$5.00
Bad Address
$5.00/Returned Item
Dormant Account (if inactive 1 year)
$10.00/Quarter
VISA Gift Card
$4.95/$5.95
Paper Statement
$3.50/Month or Quarter
Check Cashing (waived for memners with $100.00 minimum balance and checking account holders)
1.00% of Check