SERVICE FEE SCHEDULE 
 
Membership Fee                                                        $ 1.00
 
Account Closure Fee                                                 $ 15.00
 
Account Re-open Fee                                                $ 20.00
 
Monthly Share Withdrawal Fee                                $ 3.00 for each withdrawal in excess of 3
 
Share Overdraft Fee                                                  $20.00
 
ACH Return Item Fee                                               $20.00 
                                              
Returned Check Fee                                                 $ 25.00
 
Wire Transfer Fee                                                     $ 30.00
 
Stop Payment Fee                                                     $ 20.00
 
Statement Copy                                                         $ 5.00
 
Account Research Request                                       $ 20.00 per hour or fraction thereof
 
Copy of Check Fee                                                   $ 5.00
 
Christmas Club Early Withdrawal Fee                     $ 20.00