ALL ACCOUNTS

Membership Fee ($30 to open account/$25 Member Share)....CU FEE..........$5.00

Early Account Closing Fee.......................................................... (6 mo. $15/12 mo. $5)

Excessive Withdrawal Fees Share Acct..................(after 9 per quarter).............$1.00 Exclude Electronic Transfers

Statement Copy Fee (per statement).......................................................................$2.00

Microfiche Look-up Fee(previous months look-up per page)..............................$1.00

Money Order Fee...........................................................................................................$2.00 each

Travelers Check Fee (per $100.00 purchase)........................................................$1.00

Fax Fee (1st page $2)...............................(Extra pages)...........................................$1.00

Early Closing of Christmas Club...............................................................................$25.00

IRA Annual Maintenance Fee.....................................................................................$3.00

IRA Early Withdrawal Fee...........................................................................................$3.00

Verification of Deposit Fee.........................................................................................$3.00

SHARE DRAFT ACCOUNTS

Checking Account with balance of $500 or more...................................................Free

Monthly Service Charge..............................................................................................$5.00

Debit Card Replacement...(1st Free)............................(2nd  Card $5)........after 2nd card....$10.00

Overdraft Fee (per item after 3rd automatic transfer)..............................................$40.00

Insufficient Fund Check Return (per item)................................................................$40.00

Stop Payment Fee (per item).......................................................................................$25.00

Photocopy of check.........................................................................................................$5.00 per check

Share Draft Check Order- (prices vay depending on style/average $19 per box)......1st Box Fee for Credit Union $4.00

Check Cashing Non-Member........................................................................................$3.00

LOANS

Application Fee..................................................................................................................$5.00

Documentation Fee..........................................................................................................$20.00

UCC 1..................................................................................................................................$15.00

Title Application..................................................................................................................$12.00

Late Charge to closed-end loans after 15 days............................................................$15.00

Late Charge on open-end loans after 18 days............................................................,$15,00

Refinance for Lower Rate........................................................................................$75.00