VISA CHECK CARD
SCHEDULE OF FEES
Effective 11/01/04

  Active Draft Account* Without Active Draft
Monthly Maintenance   NO CHARGE   NO CHARGE
Deposits   NO CHARGE   $2.00
PIN Number Maintenance:
~exceed 3 PIN# requests
  NO CHARGE
$5.00
  NO CHARGE
$5.00
Cash Withdrawals:
~per month
~each withdrawal after 8
  FIRST 8 FREE
$.75
  $1.00 each
Point of Sale Transactions   UNLIMITED/FREE   $.75
Transfers   $1.50   $1.50
Inquiries   $1.00   $1.00
Replacement Card   $5.00   $5.00
Negative Balance Fee   $30.00   $30.00
Return Item   $30.00   $30.00
NSF Deposit Item   $30.00   $30.00
Research Fee
(minimum 1 hour)
  $20.00   $20.00
Look Up
(info. NOT on system)
  $5.00   $5.00

* An active draft account is an account held by a member who is using this credit union as their Primary Financial Institution (PFI). The act of having a share draft account does not entitle nor guarantee the granting of a specific product or service. The credit union's decision to grant a specific product or service will be based on the member's usage of the share draft account.