Fee Schedule - Hudson Heritage Federal Credit Union

Fee ScheduleEffective 04/08/2010CREDIT UNION MEMBERSHIP• Par value of one share.............................................................$5.00• Membership account balance below $5.00............................. $5.00TO DETERMINE RELATIONSHIP:Month-end balances for all savings/checking/certificates+ Month-end loan balances+ Month-end credit card balance= Total RelationshipWITHDRAWALS/TRANSFERS/INQUIRIES FROMNON-HHFCU OWNED ATMS: (As of 11/1/2006)Total relationship balances of:- $0 - $7,499.99, 4 transactions free per month, then $1.00 each- $7,500 - $19,999.99, 6 transactions free per month,then $1.00 each- $20,000.00 or more, UNLIMITED transactions* Transactions are always free at all HHFCU owned ATMs.HERITAGE iCliq (As of 11/1/2006)iCliq and iPay (Internet Banking and Electronic Bill Pay):- iCliq: ................................................................................FREE*- iPay: .................................................................................FREE**No monthly service charge if account is accessed on iCliq once every 60 Days.No monthly service charge if iPay is used once every 60 Days.ICliq Only: .................................................................................. $5.00ICliq with iPay (Electronic Bill Payment): ................................. $10.00iCliq Service fees:- Stop payment.................................................................... $29.00- Non-Sufficient Funds (NSF) ACH debit............................. $29.00- Non-Sufficient Funds (NSF) drafts.................................... $29.00CO-OP NETWORK- Enjoy surcharge-free access at 28,000+ worldwideCO-OP Network ATMs.Visit: www.co-opnetwork.orgContinued on other side...845.561.5607 • www.HHFCU.orgWe do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act

CHECKING ACCOUNT FEES• NSF fee ......................................................................$29.00 per item• Returned Item fee ...................................................... $29.00 per item• Stop Payment fee ...................................................... $29.00 per request• Check Printing & Supplies fees .................................Prices may vary• Uncollected Funds fee ...............................................$29.00 per item• Courtesy Pay fee ....................................................... $29.00 per itemOTHER SERVICE FEES (applicable to all accounts)• Account Reconciliation fee .........................................$25.00 per hour(minimum $25.00)• Account Research fee................................................. .$25.00 per hour• Statement Copy fee ....................................................$5.00 per copy• Deposited Item Return fee ..........................................$29.00 per item• Items sent for Collection(foreign and domestic) fee…..................................... Prices may vary• Certified Check fee .................................................... $10.00 per check• Money Order fee ....................................................... $2.00 per item• Travelers Check fee ....................................................Fee Varies• Legal Process fee ..................................................... $50.00 per hour• Inactive Account fee .................................................. $10.00 per month,after one (1) year and account under $1000.00• Account Closure fee.................................................. $25.00 if closedwithin six (6) month• Incoming Wire without notification fee ...................... $5.00 per transfer• Returned Statement fee.............................................. $10.00 per statement• IRA Closeout.............................................................. $15.00• Account History Printout fee ..................................... $2.00 per item• Check Copy fee ......................................................... $2.00 per copy• Fax Check Copy fee .................................................. $4.00 per copy• Protest fee ................................................................. $25.00 per item• Teller Check fee ......................................................... $5.00 per checkif payable to a 3rd party• Excess Transfer or Withdrawal Transactionfee (Federal Regulation D)...................….................. $29.00 per item• Wire Transfer (outgoing) fee:...................................... $20.00 per transfer• Wire Transfer (Foreign outgoing) fee:......................... $35.00 per transfer• Western Union Wire Fees($10,000 Maximum) Domestic................................. $20.00International (under $500)......................................... $35.00International (over $500)........................................... $25.00 + 2.3%of Amt. Sent• Phone Transaction with HHFCU Representative.......... $3.00 per transaction• Money Market Check Printing fee............................... Prices may varyELECTRONIC FUNDS TRANSFER FEES• ACH - NSF/Uncollected fee......................................... $29.00• EFT - NSF/Uncollected fee ......................................... $29.00• Debit/ATM/Credit Replacement Card fee..................... $5.00 per card• Debit Card Stop Payment............................................ $29.00 per request• Rush Debit/ATM/Credit Card Orders fee......................$30.00• ATM - Change PIN Number fee .................................. $3.00 per request• Overdraft (from Savings) fee ....................................... $5.00 each transfer• ACH Stop Payment ..................................................... $29.00 per request36671-FEE-09/12