FEE SCHEDULE

Account History/Statement Copy………….….. $1.00	Wire Transfers (outgoing)
Address Change Notification (by member)……...N/C	Domestic…..………………………..$25.00
Address Change Notification (by Post Office)....$2.00	International…………………………$45.00
Share Acct withdrawal (two free per mo.)…..…$5.00
Kids Club withdrawal (two free per mo.)……...$5.00	Collection Notes Set up charge…………………………$25.00
Christmas Club Withdrawal - cash or transfer before Nov 1st……………………….……… $5.00	Per Payment.…………………………..$5.00
Vacation Club withdrawal (less 3 mos)………  $5.00	Special Disbursement Fee………….….$5.00
Credit Union Official Check (to member)……… N/C	Interim Statement……………………..$5.00
Credit Union Official Check (non-member)…...$10.00	Amortization Schedule Fee …………...$5.00
Dormant Acct. (less than $50 and no activity in 1 year) ………………………Acct. Closed
Money Orders……………………….……….$1.00	Research Fees (min per hr).………….$15.00
Negative Balance Fee …………………$5.00 per day	Personal Checking Acct Balancing          (per hour)……………………….$15.00
New Member (min dep $10.00) .…………………N/C	Business Checking Acct Balancing          (per hour)……………………….$20.00
MARS - 24 Hr Acct info   (Transactions or inquires)...……..……………..N/C
Customer Service-Acct info by telephone   (Transactions or inquires)…………..……….$1.00	Collection Items
Returned Deposited Item…………………….$10.00	Members……………………………. $5.00+   paying bank charges
Returned Item - Account Closed.…………….$25.00	Non-members. ……………………. $10.00+   paying bank charges
Returned Item - Insufficient Funds…………....$25.00	Incoming…………………………….$10.00   per item
Business Checking Acct Balance
Below $700.00………………………..$9.00 monthly	Other Services
Share Draft Photocopy………………………....$2.00	Fax Services (member)……...$1.00 per page
Overdraft Protection …………………………….N/C	Fax Services (non-member)…$2.00 per page
Payment of NSF Item……………….$15.00 per Item	Legal Process Levies/Garnishments………………..$30.00
Stop Payment - Placement…………………....$25.00
Stop Payment - Placement    (a series of checks)………………………….$25.00