Common use of FEES FOR OVERDRAWING ACCOUNTS Clause in Contracts

FEES FOR OVERDRAWING ACCOUNTS. Fees may be imposed on each draft or ACH transaction that is drawn on an insufficient available account balance. The entire balance in Your Account may not be available for withdraw, transfer or paying a draft or ACH item. You may consult the Funds Availability Policy Disclosure for information regarding the availability of funds in Your Account. Please refer to the Fee Schedule for current fee information. TRUTH-IN-SAVINGS – FEE SCHEDULE EFFECTIVE: NOVEMBER 1, 2020 VISA FEES: OTHER FEES – Continue Delinquent Fee $25.00 Medallion Signature $25.00 Over Limit Fee $25.00 Money Market Checks Under $500 $10.00 Return Draft Fee $25.00 Money Order $2.00 VISA Gift Card $ 3.00 Non-Sufficient Funds( NSF) / Courtesy Pay - ACH $35.00 Non-Sufficient Funds(NSF) / Courtesy Pay - ATM $35.00 OTHER FEES: Non-Sufficient Funds(NSF) /Courtesy Pay - Debit Card $35.00 Account Activity Printout $ 1.00 Non-Sufficient Funds(NSF) / Courtesy Pay - Draft $35.00 Account Balancing Assistance per hour $25.00 Non-Sufficient Funds(NSF) / Courtesy Pay - Withdrawal $35.00 Account Research per hour $50.00 Paper Statement $1.00 ATM Fee (Non Member) $ 2.00 Replace Lost ATM/Debit Card $10.00 ATM Withdraw Fee (Over 8/month) $ 1.00 Stop Payment $30.00 Cashier’s Check $ 5.00 Tax Form Copy $10.00 Certified Check $10.00 Temporary Drafts (3 per page) $5.00 Draft Copy Note: Free via Home Banking $ 3.00 Undeliverable Mail $10.00 Copy of Statement Note: Free with e-Statements $ 2.00 Xpress Accounts Closure Fee (New Account with Incomplete Documentation closed after 30 Days) $5.00 Decedent Account Verification $20.00 Visa Cash Advance Fee (non Fort Xxxxxxxx FCU Visa) $10.00 Deposited Drafts Returned Unpaid $15.00 NO COST SERVICES: Domestic Outgoing Wire Transfer $20.00 Draft Accounts $5.00 Minimum Balance Dormant Shares Account – No deposits or withdraws for 12 months $2.00 per month First Order of Checks Free Early Closure of Christmas Club $15.00 Free ATM Card Escheat Administration $75.00 Free Checks – Age 60 and Older Foreign Drafts Deposited/Collected $10.00 Free Remote Banking (Home and Mobile) Home Equity Payoff Request $25.00 Free Notary Service Home Equity Subordination Agreement $25.00 Free Self Service Coin Counter IRA Outgoing Transfer Fee $25.00 No Per Draft Charges Xxxxx, Xxxx’x & Attachments $100.00 Share Accounts - $5.00 Minimum Balance Loan Late Fee (15 days late) $ 25.00 Share Accounts – No Monthly Service Charge The rates and fees appearing with this Schedule are accurate and effective for accounts as of the effective date indicated on the Truth – In- Savings Disclosure. If you have any questions or require current rate and fee information on Your Accounts, please call the Credit Union at (000) 000-0000.

FEES FOR OVERDRAWING ACCOUNTS. Fees may be imposed on each draft or ACH transaction that is drawn on an insufficient available account balance. The entire balance in Your Account may not be available for withdraw, transfer or paying a draft or ACH item. You may consult the Funds Availability Policy Disclosure for information regarding the availability of funds in Your Account. Please refer to the Fee Schedule for current fee information. TRUTH-IN-SAVINGS – FEE SCHEDULE EFFECTIVE: NOVEMBER 1, 2020 VISA FEES: OTHER FEES – Continue Delinquent Fee $25.00 Medallion Signature $25.00 Over Limit Fee $25.00 Money Market Checks Under $500 $10.00 Return Draft Fee $25.00 Money Order $2.00 VISA Gift Card $ 3.00 Non-Sufficient Funds( NSF) / Courtesy Pay - ACH $35.00 Non-Sufficient Funds(NSF) / Courtesy Pay - ATM $35.00 OTHER FEES: Non-Sufficient Funds(NSF) /Courtesy Pay - Debit Card $35.00 Account Activity Printout $ 1.00 Non-Sufficient Funds(NSF) / Courtesy Pay - Draft $35.00 Account Balancing Assistance per hour $25.00 Non-Sufficient Funds(NSF) / Courtesy Pay - Withdrawal $35.00 Account Research per hour $50.00 Paper Statement $1.00 ATM Fee (Non Member) $ 2.00 Replace Lost ATM/Debit Card $10.00 ATM Withdraw Fee (Over 8/month) $ 1.00 Stop Payment $30.00 Cashier’s Check $ 5.00 Tax Form Copy $10.00 Certified Check $10.00 Temporary Drafts (3 per page) $5.00 Draft Copy Note: Free via Home Banking $ 3.00 Undeliverable Mail $10.00 Copy of Statement Note: Free with e-Statements $ 2.00 Xpress Accounts Closure Fee (New Account with Incomplete Documentation closed after 30 Days) $5.00 Decedent Account Verification $20.00 Visa Cash Advance Fee (non Fort Xxxxxxxx FCU Visa) $10.00 Deposited Drafts Returned Unpaid $15.00 NO COST SERVICES: Domestic Outgoing Wire Transfer Decedent Account Verification $20.00 Draft Accounts $5.00 Minimum Balance Deposited Drafts Returned Unpaid $15.00 First Order of Checks Free Domestic Outgoing Wire Transfer $20.00 Free ATM Card Dormant Shares Account – No deposits or withdraws for 12 months $2.00 per month First Order of Free Checks Free – Age 60 and Older Early Closure of Christmas Club $15.00 Free ATM Card Remote Banking (Home and Mobile) Escheat Administration $75.00 Free Checks – Age 60 and Older Notary Service Foreign Drafts Deposited/Collected $10.00 Free Remote Banking (Home and Mobile) Self Service Coin Counter Home Equity Payoff Request $25.00 Free Notary Service Home Equity Subordination Agreement $25.00 Free Self Service Coin Counter IRA No Per Draft Charges XXX Outgoing Transfer Fee $25.00 No Per Draft Charges Xxxxx, Xxxx’x & Attachments $100.00 Share Accounts - $5.00 Minimum Balance Liens, Levy’s & Attachments $100.00 Share Accounts – No Monthly Service Charge Loan Late Fee (15 days late) $ 25.00 Share Accounts – No Monthly Service Charge The rates and fees appearing with this Schedule are accurate and effective for accounts as of the effective date indicated on the Truth – In- Savings Disclosure. If you have any questions or require current rate and fee information on Your Accounts, please call the Credit Union at (000) 000-0000.

FEES FOR OVERDRAWING ACCOUNTS. Fees may be imposed on each draft or ACH transaction that is drawn on an insufficient available account balance. The entire balance in Your Account may not be available for withdraw, transfer or paying a draft or ACH item. You may consult the Funds Availability Policy Disclosure for information regarding the availability of funds in Your Account. Please refer to the Fee Schedule for current fee information. TRUTH-IN-SAVINGS – FEE SCHEDULE EFFECTIVE: NOVEMBER FEBRUARY 1, 2020 2021 VISA FEES: OTHER FEES – Continue Delinquent Fee $25.00 Medallion Signature $25.00 Over Limit Fee $25.00 Money Market Checks Withdrawal/Checks/Transfer Under $500 (Per Transaction) $10.00 Return Draft Fee $25.00 Money Order $2.00 VISA Gift Card $ 3.00 Non-Sufficient Funds( NSF) / Courtesy Pay - ACH $35.00 Non-Sufficient Funds(NSF) / Courtesy Pay - ATM $35.00 OTHER FEES: Non-Sufficient Funds(NSF) /Courtesy Pay - Debit Card $35.00 Account Activity Printout $ 1.00 Non-Sufficient Funds(NSF) / Courtesy Pay - Draft $35.00 Account Balancing Assistance per hour $25.00 Non-Sufficient Funds(NSF) / Courtesy Pay - Withdrawal $35.00 Account Research per hour $50.00 Paper Statement Overnight Mailing Fee $1.00 40.00 ATM Fee (Non Member) $ 2.00 Replace Lost ATM/Debit Card Paper Statement $10.00 1.00 ATM Withdraw Fee (Over 8/month) $ 1.00 Stop Payment Replace Lost ATM/Debit Card or Visa Credit Card $30.00 10.00 Cashier’s Check $ 5.00 Stop Payment $30.00 Certified Check $10.00 Tax Form Copy $10.00 Certified Check $10.00 Temporary Drafts (3 per page) $5.00 Draft Copy Note: Free via Home Banking $ 3.00 Undeliverable Mail Temporary Drafts (3 per page) $10.00 5.00 Copy of Statement Note: Free with e-Statements $ 2.00 Undeliverable Mail $10.00 Decedent Account Verification $20.00 Xpress Accounts Closure Fee (New Account with Incomplete Documentation closed after 30 Days) $5.00 Decedent Account Verification Deposited Drafts Returned Unpaid $20.00 15.00 Visa Cash Advance Fee (non Fort Xxxxxxxx FCU Visa) $10.00 Deposited Drafts Returned Unpaid $15.00 NO COST SERVICES: Domestic Outgoing Wire Transfer $20.00 Draft Accounts $5.00 Minimum Balance NO COST SERVICES: Dormant Shares Account – No deposits or withdraws for 12 months $2.00 per month First Order of Checks Free Draft Accounts $5.00 Minimum Balance Early Closure of Christmas Club $15.00 First Order of Checks Free ATM Card Escheat Administration $75.00 Free ATM Card Foreign Drafts Deposited/Collected $10.00 Free Checks – Age 60 and Older Foreign Drafts Deposited/Collected Home Equity Payoff Request $10.00 25.00 Free Remote Banking (Home and Mobile) Home Equity Payoff Request Subordination Agreement $25.00 Free Notary Service Home Equity Subordination Agreement IRA Outgoing Transfer Fee $25.00 Free Self Service Coin Counter IRA Outgoing Transfer Fee $25.00 No Per Draft Charges Xxxxx, Xxxx’x & Attachments $100.00 Share Accounts - $5.00 Minimum Balance No Per Draft Charges Loan Late Fee (15 days late) $ 25.00 Share Accounts – - $5.00 Minimum Balance, No Monthly Service Charge The rates and fees appearing with this Schedule are accurate and effective for accounts as of the effective date indicated on the Truth – In- Savings Disclosure. If you have any questions or require current rate and fee information on Your Accounts, please call the Credit Union at (000) 000-0000.