CHECKING FEES
Interest Checking - Refer to #5 below	$10.00 per month		Stop Payment Fee	$20.00 per stop order		Non Sufficient Funds		$25.00 per item
Money Market - Refer to #7 Below	$10.00 per occurrence		Overdraft Privilege	$25.00 per item		Overdraft Transfer		$ 5.00 per transfer
OTHER SERVICES FEES
Return Deposit Item	$20.00 per item		Bearer Bonds/Coupons	At Cost		Foreign Funds (TFD)		$1.00*
Money Orders	$1.25 per money order*		Cashiers Checks	$2.00 per check, 2 free per day*		Cashiers Ck  Copy		$1.50 each copy
Travelers Cheques	$1.00 per purchase *		Non Member C Check	$6.00 per Check		Western Union		$7.50 per item
Gift Pack	$2.00 per pack		Cheques for two	$1.00 per & .50 per $100		Euro Travelers Ch		$1.00 per purchase*
Bill pay	FREE		Check Card Copy	$6.00 per item		Wire Transfers:		$9.00 Incoming per Item
Refer to wsecu.org for fee detail			ATM Adjustment	$20.00				$14.00 Outgoing per Item
*Free with Prime Time Savings								Foreign at cost
GIFT CARD FEES
Card Purchase	$2.00 up to $250.00		Express Delivery	$25.00		Cash Advance		$1.50
	$4.00 for $251.00 to 500.00		Maintenance Fee	$2.00 (waived first 6 months)		Inactive Card Fee		$2.00 (inactive for 12 months)
Lost/Stolen Card	$5.00 replacement fee		Card Value Unload Fee	$15.00		Copy of statement		$5.00
Voice Response Inquiry   $0.75 (first 2 free)			Call Center Fee	$3.00

  TRUTH-IN-SAVINGS ACCOUNT DISCLOSURES

  1.  Rate Information: The Dividend Rate (APR) and Annual Percentage Yield (APY) on your accounts are set forth above. The Dividend Rate may change monthly as determined by the Board of Directors.

  2.  Nature of Dividends: Dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period. The Dividend Rate and Annual Percentage Yield set forth above are accurate as of the Effective Date which the Credit Union anticipates paying for the applicable dividend period.

  3.  Compounding and Crediting: Dividends will be compounded and credited monthly. The Dividend Period for all accounts is monthly beginning on the first calendar day of the month and ending on the last calendar day of the month.

  4.  Accrual of Dividends: Dividends will begin to accrue on all deposits on the business day you make the deposit to your account. If you close your account before accrued dividends are credited, accrued dividends will not be paid.

  5.  Balance Information: The average minimum balance required to earn dividends and obtain the APY on all accounts and to avoid interest checking monthly fees is set forth above. Dividends are calculated by the Average Daily Balance method which applies a daily periodic rate to the Average Daily Balance in the account for the period. The Average Daily Balance is determined by adding the principle in the account for each day of the period and dividing that sum by the number of days in the period. If the average daily balance falls below the established minimum, dividends will not be paid at month end and fees may apply on interest checking.

  6.  Account Limitations: The account limitations for each account are set forth above. For non-dividend bearing savings accounts pending our receiving valid tax identification number, no other services may be added. For savings accounts, transaction and Money Market accounts limitations will apply. No more than six (6) pre authorized, automatic, telephone transfers may be made from these accounts to another account of ours or to a third party in any month, and no more than three (3) of these six (6) transfers may be made by check, draft, or debit card to a third party. If you exceed these limitations, your accounts may subject to a fee or closed.  Money Mover II accounts require maintenance of a minimum qualifying certificate (12-months or longer/ $2,000 minimum).  Prime Times savings accounts require maintenance of a minimum qualifying certificate (12-months or longer/ $2,000 minimum) and be at least 50 years of age.  All IRA accounts are subject to IRS regulations.

  7.  Money Market: The $5,000 minimum average daily balance of the Money Market account is required for the accrual of dividends. The Money Market Plus and Money Market Premier require a minimum average daily balance of $25,000 for the accrual of dividends. The Money Market Jumbo requires $50,000 minimum average daily balance for the accrual of dividends. If Money Market balances fall below the required minimum average daily balance a default dividend rate will be paid*. A limit of three checks and a limit of three transfers is available monthly on this type of account. Any additional transfers or checks will be assessed a $10.00 fee per occurrence and disclosed on the account statement.