SERVICE FEE SCHEDULE

EFFECTIVE FEBRUARY 1, 2010

CHECKING ACCOUNT FEES

     Returned Check Fee    $27.50                              NSF Electronic Funds    $27.50            

     Returned Deposit Item       $15.00                          Stop Payment Fee        $15.00

     Rejected Item Fee             $  10.00                     Check Printing Fee      prices vary

     Copy of Sharedraft            $  5.00                             

Transaction & Inquiry Fees

     "Memberline" (voice response)  Unlimited Usage per month     $1.00

ATM FEES

     STAR/Alliance One ATM's first 6 transactions per month        FREE

     Each transaction over 6                                                  .60

     Out of Ohio or non Alliance One each transaction          1.20

      Foreign ATM, any ATM not STAR or Allaince One, each transaction    1.20

      ATM Inquiries                                        .25

      New ATM or Debit Card                      2.00

      Replacement of lost, stolen, purged, or damaged ATM or Debit Card       3.00

       *Cards are purged after 6 months of no usage

Loan Application Fees

     Non-refundable, for each application submitted                              5.00

     One credit report done by the credit union for lending purposes per 6 months at no charge.  If a second report is needed by the credit union, there will be a $5.00 fee.  This includes ATM and Debit card approval as well as loan processing.

Miscellaneous Fees

     Document Copies, including statements, per page          1.50

     History of account activity, per copy                              1.00

     Duplicate IRS forms                                                        7.50

     Travelers Cheques, per $100 purchased (free for Money Market account holders)    2.00

     Money Orders, per item (free for Money Market account holders)         2.00

     Close account within 90 days of opening account        5.00

     Cash a check for non-member   5.00

     Cashier's check for non-member  5.00

     Late Loan Payment (10 days late)                 25.00

     Wire transfers, per transfer incoming only from United States     20.00

     Wire transferes, per transfer incoming only foreign           25.00

     Copy of corporate check                                               10.00

     Corporate check stop payment                                   25.00

     Replace I. D. card                                                          2.00

     Account research or reconciliation (each hour or part)            30.00

     Garnishment, levy, or attachment of account (plus court costs)        25.00