Schedule of Fees

Account Research Fee: $10.00 per request/ 1 hour minimum

Deposited Item Return Fee: $30.00 per item

Items Sent for Collection Fee: $10.00 per item

Reopening Accounts Fee: $10.00 if the account is reopened within 6 (six) months of closure

Two or More Outgoing Bank Wires per year: $14.00 per wire

Early IRA Withdrawal Fee: $20.00

Late Payment Fee: 20% of interest due

Loan Application Fee: $5.00 will be assessed after 60 days if loan is not financed with GCFCU

Credit Union Checks made payable to third party: $2.00 per check

Drafts Returned Unpaid: $30.00 per item

ACH Returned Unpaid: $30.00 per item

Stop Payment Fee: $15.00 per occurrence

Photocopy Request Fee: $2.00 per copy

Overdraft Transfer Fee: $4.00 per occurrence

Assistance in Balancing Account: $10.00 per hour Statement

Reproduction Fee: $2.00 per statement

Check orders: Refer to Harland Clarke price listing

Debit Card Fee: $6.00 per card

Reissue PIN Number Fee: $5.00 per occurrence

Teller Assistance: $5.00 per call

Proof of Payment: $7.50 per occurrence

Archive Retrieval: $25.00 per item

Stop payment on Bill Pay: $15.00 per occurrence

Overnight Mail Request: $10.00 per occurrence

Regular Share Excess Withdrawal Fee: $5.00 per withdrawal after 1 free per month

Dormant Account Fee: $10.00 per quarter

Early Withdrawals from Certificates: The amount of early withdrawal penalty is based on the difference between the dividend rate paid on a certificate account and a regular share savings account. If all or any portion of a Certificate Account is withdrawn prior to maturity, the amount withdrawn will be penalized such that it will earn the current Regular Share Savings Dividend Rate which was disclosed when the Certificate Account was opened or renewed. There will also be a $20.00 early withdrawal penalty.