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SCHEDULE OF FEES

FIRST CHOICE CREDIT UNION
SCHEDULE OF FEES

SHARE DRAFT ACCOUNTS

Drafts - printing costs at time of order (varies as to style chosen)
Overdraft (NSF) non-sufficient funds (per draft) 35.00
Courtesy Pay (per item) 30.00
Transfer from shares for NSF (per draft) 5.00
Stop payment of draft (per draft or series) 25.00
Stop payment of NSF draft (per draft) 25.00
Photocopy of draft (per draft) 5.00
Account print out 1.00
Mail account print out 2.00
Phone share draft reconcilliation (what checks have cleared, etc.) 5.00
Account reconcilliation (first month free) additional per month 10.00

OTHER FEES

Deposit items returned for NSF or stop payment 12.50
Direct Deposit Free
EFT (electronic fund transfer) Free
EFT return charges (member request) 25.00
EFT return charges (NSF) 35.00
Close membership fee (within first 90 days) 15.00
Re-open membership within 1 year of closing account 10.00
Failure to change address with the credit union 5.00

SERVICE FEES

Copy service per page (first 10 pages free) 0.10
Money Orders 2.00
Cashier's Check 5.00
Wire Transfer (ingoing and outgoing) 25.00
Fax Service - Local Call (per page, in or out) 1.50
Fax Service - First page long distance 3.00
Fax Service - Additional Pages 1.50
Third party check cashing fee (if available) 15.00
Auto title transfer, corrected title, etc. State Charge
Written Account Verification (ie: Housing Authority, Loan Companies, etc.) 5.00
Levy, Citation to Discover Assets, Garnishment to Account 50.00
Dormant Account (except accts w/$500 + w/valid address) per month 5.00
Bill Pay per month (free with e statements) 5.00

LOAN FEES

Late fees (10 day grace) 25.00
Notice of Mortgage Acceleration 100.00

DEBIT CARD

Replacement cards 10.00
NSF fee (per item) 35.00
Courtesy Pay (per item) 30.00

SEE YOUR ACCOUNT DISCLOSURE FOR OTHES FEES THAT MAY APPLY TO OTHER SERVICES