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SCHEDULE OF FEES

FIRST CHOICE CREDIT UNION
SCHEDULE OF FEES

SHARE DRAFT ACCOUNTS

Direct Deposit Free
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 item or series) 30.00
Stop payment of NSF draft (per draft) 30.00
Photocopy of draft (per draft) 5.00
Account print out 2.00
Mail account print out 2.00
Phone reconcilliation (amount of deposits, what checks have cleared, etc.) 5.00
Draft look-up (inquiry) (per item) 5.00
Account reconcilliation (first month free) additional per month 20.00 1/2 hour minimum

OTHER FEES

Electronic Statement Free
Paper Statement 2.00 per statement
Direct Deposit Free
EFT (electronic fund transfer) Free
Online Home Banking transfers Free
Deposit items returned for NSF or stop payment 15.00
EFT return charges (member request) 30.00
EFT return charges (NSF) 35.00
Close membership fee (within first 182 days) 20.00
Re-open membership within 1 year of closing account 25.00
Account closed by credit union for misuse 30.00
Failure to change address with the credit union (per month) 10.00

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
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
Auto title transfer, corrected title, etc. State Charge

LOAN FEES

Late payment fee (10 day grace) 25.00
Loan refinance fee 25.00
Notice of Mortgage Acceleration 100.00
Visa cash advance to non member 10.00

DEBIT CARD

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

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