Share Draft Checking Rate and Fee Schedule Effective 01/20/2010
SHARE TYPE	APY*
Regular & Business Share Draft
0.00 - $9,999.99		0.25%
$10,000.00 - $99,999.99		0.25%
$100,000.00 +		0.25%

Regular Share Draft Details
• NO MINIMUM BALANCE REQUIRED • FREE VISA ATM/DEBIT CARD • CLEARED CHECKS: FREE ONLINE with HOME BRANCH
CHARGES CONNECTED WITH SHARE DRAFT:
Overdrafts paid, physical or electronic, not returned	$20.00
Overdrafts unpaid, physical or electronic, returned	$20.00
Stop payment Fee	$20.00
Copies of drafts (drafts are not returned to you)	$2.00
Automatic computer transfers from regular share to share draft (Per transmission to cover overdraft)	$2.00

Business Share Draft Details
• CLEARED CHECKS: FREE ONLINE with HOME BRANCH • FREE ZIPPERED DEPOSIT BAG
CHARGES CONNECTED WITH BUSINESS SHARE DRAFT:
Minimum Balance Required	$100.00
Monthly Maintenance Service Fee	$5.00 per month
Check Writing Fee	$0.10 each over 150 per month
Deposited Items: On Us & Others	$0.10 each over 150 per month
Cash Deposit Fee	(deposits over $2500.00) $0.08 per $100.00 per day
Non-Sufficient Funds Fee	$15.00 per item
Returned Item Fee	$5.00 per item
Paid Overdrafts	$20.00 per item
Stop Payment Fee	$20.00 per item

*APY - Annual Percentage Yield. Rates and terms subject to change without notice. RATE INFORMATION: The dividend rate and the annual percentage yield may change every month. We may change the dividend rate for your account as determined by the Credit Union Board of Directors.