OTHER SERVICE FEES APPLICABLE TO ALL ACCOUNTS
Account Reconciliation fee	$10.00/hour
Duplicate Mo./Qtrly Statement	$5.00
Request for Verification of Deposit	$5.00
Returned Mail fee	$5.00
ACH Returned Item fee	$29.00 per item
ACH Origination	$5.00
Returned Item fee (Personal Acct)	$15.00 per check
Returned Item fee (Non Personal)	$15.00 per check
Telephone Transfer/Inquiry Fee (Info is available FREE thru A.R.T. but a fee for Member preferring a person)	$2.00
Notary Service fee: FREE with E-Checking Account	$2.00
Account Collection	$20.00

IRA FEES Early Closing (within 24 mos) $50.00 Open Fee $20.00

DEBIT CARD FEES CLFCU Debit Card Usage fee NONE CLFCU ATM Machine Usage fee NONE Replacement Card fee $15.00 per card ATM Honor Fee $32.00 per item ATM Balance Inquiry Fee (Accurate balance info is available FREE thru A.R.T. or O.T.I.S.) $1.00 ATM Usage Fee - Non Member $2.50

VISA CARD FEES Replacement Card fee $15.00 NSF Check fee per card $29.00 per check Draft Copy fee $5.00 per card ATM Transaction Cash Advance Fee $0.50 per advance Over Limit fee $20.00 if $100.00 over limit Late Payment fee $20.00 after 10 days Annual Membership fee NONE "Rush" Phone Payment (Servicecopr) $3.00 Teller Cash Advance fee- Free with CLFCU Visa Card Other Cards -Free

OTHER FEES Cashiers Check fee $5.00 Non-member, on us check cashing $5.00 Non-Member Cashiers Check $10.00 per check Money Order fee $2.00 per money order Non-Member Money Order $3.00 per money order Outgoing Wire Transfer fee $25.00 per wire transfer Incoming Wire Transfer fee NONE Temporary check $0.25 each Gift Envelope Free Xerox copies fee $0.25 per page Fax fee- Local $1.00 per page Fax feee -Non-Local $2.00 per page Check cashing fee (if not exempt) $5.00 per transcation *Avoid this fee with one of the following E-Checking Account Minimum Average Relationship balance Under the age of 21 are exempt

LOAN FEES Loan Payoff Fax/Ltr. fee $20.00 per fax/ltr Early Loan Payoff fee NONE Consumer Loan Application fee NONE Mortgage Application fee $50.00 Mortgage Late fee 5% of payment after 15 days Mortgage Document fee $150.00 Late Payment fee 20.00 after 15 days Loan Payment Return Item fee $29.00 per item Vehicle Title Processing fee $20.00 UCC1 Processiong fee $15.00 Internal Refinance, if not adding new money, only to reduce rate $100 consumer $250 Real estate

HEALTH SAVINGS ACCOUNTS New Account Set-Up fee $10.00 Monthly fee if Balance Below $1000.00 none Account Closed Within 24 Months fee $20.00

MONEY MANAGEMENT SAVINGS ACCOUNT Excessive Withdrawals fee $10.00 ea. Account Closed Within 6 Months of Open fee $25.00