effective 12/31/2010

Miscellaneous Fees
Early Account Closure    within 3 months of opening	$25.00
Response to Legal Order	$10.00
NSF Check    for deposits to members account	$25.00
Certified Check	$5.00
Cashier's Check	$1.00
Loose Coin	5% of coin amount
Outgoing Wire Transfers	$15.00
Member Statement Photocopy	$3.00
Mortgage Application    refundable at closing	$350.00
Home Equity Application, LOC    open end refundable with initial draw $15,000 at closing	$150.00
Home Equity Late Payment    15 day grace period	2% of monthly payment
Lien Release Duplicate	$10.00
Returned Mail	$1.00
Escheated Dormant Account	up to $50.00
36 Months Inactive Account Fee	$5.00 per month
Two Signature Traveler's Cheques	1.5% of amount
Traveler's Cheques Gift Checks	$2.50

Debit Card Fees
Debit Card Reorder/Replacement	$5.00
Debit Card PIN # Replacement	$2.50
Debit Withdrawals    exceeding 6/ month	$1.00/ withdrawal
Debit Return Check	$25.00
Debit Chargeback	$10.00
Debit Draft/Receipt Retrieval	$3.00

Share Draft/Pre-authorized EFT (ACH) Fees
Share Draft/NSF Check/ACH Return Item    does not apply with Overdraft Protection Loan	$25.00
Stop Payment Share Draft/ACH Item	$25.00
Photocopy of Share Draft	$3.00
Account Research/Reconciliation	$25.00 per 1/2 hour

Visa Card Fees
Visa Card Pick-up	$55.00
Visa Replacement Card	$10.00
Visa Late Payment	$20.00
Visa Draft/Receipt Retrieval	$3.00
Visa Over Credit Limit	$25.00
Visa Return Check	$25.00
Visa Statement Photocopy	$3.00
Visa Chargeback	$10.00
Visa Gift Card	$2.50 per card

Money Market Account Fees
Money Market Account Fee    fee waived with minimum daily balance of $2,500.00	$10.00 per month
Money Market Checks in Excess of 3 per Month	$10.00 per month
Money Market Withdrawals in Excess of 6 per Month	$10.00 per month
Money Market Non-sufficient Funds	$25.00
Money Market Stop Payment	$25.00
Check Photocopy	$3.00