NEW INACTIVE ACCOUNT AND FEE SCHEDULE
ANNOUNCED EFFECTIVE 4/1/2009
The credit union management and board of directors have approved a new policy concerning inactive membership accounts. In an effort to decrease operations expenses we looked at the cost of statement processing and maintaining inactive share accounts (balances less than $100.00 with no transactions in two years). We will market credit union products to these members until March 31, 2009. After that an inactive fee of $2.50 per month will be assessed to members who do not activate their membership with a deposit, new loan, share certificate, etc. This fee will be assessed starting on 4/1/2009, and will be charged each month for a maximum of twelve months. After twelve months with no response from the member a check for the balance will be mailed to the member closed the membership. We are hopeful that this will be a rare transaction!

Several other maintenance fees were reviewed and approved as listed below effective 4/1/2009: Some fees and minimum opening balance requirements have been reduced.

Membership Entrance Fee: $10.00 first and second time membership opened
$25.00 third time and thereafter
Min. share deposit to open: $5.00
Share w/d fees (after 3 per quarter) $3.00
Minimum share draft deposit to open $50.00
Insufficient fee $25.00
Returned deposit item fee $5.00
Suspect deposit item fee $15.00
Draft Stop Payments $15.00
ACH Stop Payments $15.00
Overdraft Protection Shares $6.00 each up to six per month
Over six OD transfers per month $12.00 penalty per Federal Regulation "D"
Overdraft Protection Line of Credit $12.00 each per month
Draft Copy $2.00 (free with I-Branch)
Statement Reproduction-pickup $2.00 (free with I-Branch)
Statement Reproduction-mailed $4.00
Audio (ART) transfers/Call ins $0.00
Share transfers w/mailed receipt $2.00 (no fee w/o mailed receipt)
All Share deposits w/mailed receipts $2.00 (no fee w/o mailed receipt)
Return mail maintenance fee $2.50 per statement
Inactive fee (after two years) $2.50 per month
Credit Bureau skip trace fee $10.00
Money Order fees $1.00
Wire Out fees $13.00
Wire In fees $0.00
ATM w/d fee after 5 free per month $1.00
ATM Debit Card Replacement fee $5.00

Share Draft Account Fees
Insufficient fee $25.00
Returned deposit item fee $5.00
Suspect deposit item fee $15.00
Draft Stop Payments $15.00
ACH Stop Payments $15.00
Overdraft Protection Shares $6.00 each up to six per month
Over six OD transfers per month $12.00 penalty per Federal Regulation "D"
Overdraft Protection Line of Credit $12.00 each per month
Draft Copy $2.00 (free with I-Branch)
Statement Reproduction-pickup $2.00 (free with I-Branch)
Statement Reproduction-mailed $4.00
Returned Item fee: $5.00 per item
Stop Payment fee: $15.00 per request
Share Draft Printing fee: Prices may vary depending upon style
Share Draft Service fee: $0.00 per month if minimum balance not maintained

Other Service Fees
Applicable to all accounts
Account Reconciliation fee: $10.00 first hour $5.00 per hour thereafter
Account Research fee: $10.00 first hour, $5.00 per hour thereafter
Deposited Item Return fee: $5.00 per item
Overdraft Share transfer fee: $6.00 each up to 6 per month then -
- $12.00 each penalty per Federal Reguladion "D"
Overdraft Loan Transfer fee: $12.00 each per month

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