SCHEDULE OF FEES

New member                                                                            $1.00
Late Loan Payment (after 10 days)                                     $15.00
Returned Mail                                                                           $5.00
Inactive (after 12 months)                                                    $20.00 qtr
Stop Payment                                                                         $30.00
Wire
          Incoming                                                                         Free
          Outgoing (domestic only)                                          $30.00
Returned Deposited/Payment Item                                  $25.00
Unclaimed Property Notification                                         $2.00
Levies/Garnishments-IRA, State, Marshall, etc                $30.00
Account Research                                                                $25.00/hr
          (min $25.00)
Forced Placed Insurance                                                     $35.00
Replacement Debit Card                                                     $10.00