ATM FEE SCHEDULE Effective Date: July 1, 2004
Fee:	Activity:
$20.00	If an ATM transaction results in a negative balance in your account
$20.00	If an item deposited through the ATM network is returned for insufficient funds
$1.00	For any transaction at any ATM location not displaying the STAR or MAC logo.
$1.00	For each transaction over 6 per month at any ATM location.
$5.00	To replace an ATM card for any reason.
$25.00	To receive a picture of card being used.

PRIMARY ACCOUNT (Savings)
Fee	Activity:
$5.00	If account is closed for any reason
$25.00	For a reopened account, if closed within 12 months of reopening
$20.00	For an Authorized Clearing House(ACH) item when there are insufficient funds to clear the item in your savings account
$20.00	When you stop payment on an Authorized Clearing House(ACH) item

IRA ACCOUNT
Fee	Activity:
$6.00	To open an account
$5.00	To close an account

CHRISTMAS CLUB
Fee	Activity:
$5.00	If the account is closed before the annual pay-out of funds.

SHARE DRAFT (Checking)
Fee	Activity:
$20.00	NSF Fee on Share Draft
$0.50	Overdraft Protection Transfer
$20.00	Stop payment on Share Draft, or consecutive series of Share Drafts
$5.00	Share Draft copy request (first 3 per year are free)
$1.00	Share Draft Statement, per page
$20.00	Account reconciliation, per hour
Any other pass-through charges from our credit union such as, but not limited to, insufficient fund fees on returned deposit items or stop payment fees will be charged to your account.

TRANSACTION LIMITS: No member may withdraw any shareholdings below the amount of their primary or contingent liability to the credit union if they are delinquent as a borrower without written approval of the loan officer or manager.

NATURE OF DIVIDENDS, VARIABLE RATE ACCOUNTS: Dividends are paid from current income and available earnings, after transfers to reserves at the end of a dividend period, consequently, accounts closed before a dividend declaration date will not receive dividends for that period.  The dividend rate and APY may change; monthly for share draft; quarterly for all other accounts.  Any change in interest rate and APY is at the discretion of the Board of Directors.

DECEASED MEMBERS: Dividends on a deceased members' accounts will not be paid past the quarter in which the member passes away.

FUNDS AVAILABILITY: You may withdraw funds deposited in your account on the next business day after the day we receive your deposit.  In some cases, we may delay your ability to withdraw funds beyond the next business day.  Then, funds will be available no later than the fifth business day after the day of deposit.