SCHEDULE OF FEES AND CHARGES
Effective January 2011
| SHARES |
| Inactive Account (13 + months with no activity) |
$25.00 / month |
| Account Closed within 90 days of opening |
$10.00 |
| Returned Check/NSF |
$29.00 each item |
| Returned Statement (change of address) |
$5.00 per statement |
| Statement Photocopy |
$5.00 each period |
| Interim Statement Copies or Account History |
$2.00/pg |
| SHARE DRAFT |
| Overdraft Fee (ATM/ACH) |
$29.00 each item |
| Returned Check (any reason) |
$29.00 each item |
| Stop Payment |
$20.00 |
| Copy of Paid Share Draft |
$10.00 per item |
| Transfer From Savings (no call) |
$5.00 |
| Courtesy Pay |
$29.00 |
| Check Protest |
$25.00 |
| Check Cashing Fee |
$5.00 |
| VISA DEBIT CARD |
| Replacement Card |
$10.00 |
| ATM Transaction- more than 5 per month (Other than Sharenet!) |
$2.00 each item |
| Allpoint/ShareNet! Transaction |
no fee |
| Expedited Card Delivery |
$30.00 |
| Negative/Overdraft Balance |
$29.00 |
| VISA CREDIT CARD – CLASSIC |
| Member Card |
no fee |
| Replacement Card |
$10.00 |
| Late Payment |
$29.00 |
| Over the Limit |
no charge |
| Expedited Card Delivery |
$30.00 |
| Copy of Charge Slip |
$10.00 |
| Return Check |
$29.00 |
| VISA CREDIT CARD – PLATINUM |
| Member Card |
no fee |
| Replacement Card |
$10.00 |
| Late Payment |
$29.00 |
| Over the Limit |
no charge |
| Expedited Card Delivery |
$30.00 |
| Copy of Charge Slip |
$10.00 |
| Return Check |
$29.00 |
| BUSINESS ACCOUNTS |
| Monthly Fee |
$10.00 |
| Currency Charge per $100 in Currency |
$0.15 per $100.00 |
| OTHER SERVICES |
| Travelers Checks |
1% of purchase |
| Notary |
no fee |
| Money Orders |
$2.00 |
| American Express Gift Checks |
$2.50 |
| VISA Gift Cards |
$5.00 |
| Wire Transfer (outgoing) |
$20.00 |
| Wire/Cable Transfer Outside USA |
$30.00 min |
| Closing Christmas Club Prior to Maturity |
$10.00 |
| Research or Account Reconciliation (min 1 hour) |
$40 first hour, $15.00/hour |
| Legal Processing (Restraining Order/Levies/ etc) |
$75.00 |
| Cashiers Checks (if payable to other than self) |
$5.00 each |
| Late Payment on Consumer Loans |
2% of Loan Payment after 10 days |
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