07/14/04

RATE INFORMATION

For Regular Share Accounts and Special Share Accounts, the Annual Percentage Yield (APY) and Nominal Dividend Rate will be earned according to the following schedule. The APY is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. These rates may change monthly as determined by the Credit Union Board of Directors. The minimum balance required to open an account and earn the stated APY is $5.00.

No dividends will be earned on or credited to Share Draft Accounts.

Nature of Dividends

Dividends are paid from current income and available earnings after required transfers to reserves at the end of each dividend period.

Dividend Method

Dividends on this account are calculated on the Daily method. This means that a daily periodic rate is applied to the principal in the account each day. Dividends will be compounded monthly and credited to your account monthly, on the last day of the month.

Accrual of Dividends

For all accounts, dividends will begin to accrue on the business day the deposit is made to your account. For all accounts, if you close your account before accrued dividends are credited, accrued dividends will not be paid.

Par Value of Shares

The par value of a share is $5.00.

Insurance

Member accounts are federally insured by the National Credit Union Share Insurance Fund.

FEE SCHEDULE
	NSF fee	$25.00 per item
	Returned Item fee	$10.00 per item
	Stop Payment fee	$10.00 per check
	Uncollected Funds Fee	$25.00 per check
Other Service Fees (for all accounts)
	Wire Transfer fee
	Domestic	$15.00
	International	$30.00
	Certified Check fee	$15.00 per check
	Overnight fee	$20.00
	Overnight fee (Saturday delivery)	$30.00
	Gift Cheque fee	$2.50 per cheque
	Traveler Cheque fee	1.25% of total dollar amount
	Money Order fee	$2.00
	Bad Address Fee	$10.00 per quarter
	Teller generated 3rd party check	$2.50
	Account closing fee	$15.00
	Statement copies	$2.00 each
	IRS Levy/garnishment service	$25.00 per setup
	Inactive Account fee	$25.00 per quarter
	(Account must have no activity for 24 months and have a balance under $100.00)
	Electronic Funds Transfer Fees
	ACH Debit NSF fee	$25.00 per item
	ATM NSF fee	$25.00 per item
	ATM Returned Item fee	$25.00 per item
	ATM Card Replacement fee	$10.00 on third replacement
	Visa Debit Card Replacement fee	$10.00 on third replacement
	Visa Chg Card Replacement fee	$10.00 on third replacement

ALL FEES ARE SUBJECT TO CHANGE WITHOUT NOTICE

The fees appearing in this Schedule are accurate and effective for deposit accounts as of November 10, 2003. If you have any questions or require current rate and fee information on your accounts, please contact the Credit Union at 609-631-4300 if in the local calling area or 800-449-3221 if outside of the local calling area.