Woodlands Credit Union - Fees and Charges Effective 5/1/2010

This fee schedule for all accounts sets forth certain fees and charges effective as of 05/01/2010.

Fees Applicable
to All Accounts

Service Description	Fee
Account Research	$20.00/hr $10.00 minimum
Account Balancing	$20.00/hr $10.00 minimum
Xerox Copies	$0.50 each
Incoming Wire Transfers	$10.00
Outgoing Wire Transfers	$20.00
Western Union Service - U.S.	$20.00
Western Union Service - Foreign	$30.00
Account Verifications-Balances (VOD)	$2.00
Account Activity Printout (per month)	$3.00
Statement Printout	$5.00
Statement Printout with eStatement enrollment	$1.00
Excessive Withdrawals (from shares)	$1.00 for each trans over 10/month
Cash/Teller Checks	$2.00
Cash/Teller Checks Stop Payment	$25.00 after 30 days
Cash/Teller Checks Replacement	$1.00
Money Orders	$2.00
Money Order Stop Payment	$25.00 after 30 days
Money Order Replacement	$1.00
Travelers Checks	1% of purchased amt
Travelers Checks for Two	1% of purchased amt
Certified Checks	$15.00
Account Closing Within 6 Months	$25.00
Inactive Account Fee (1 Year Dormant)	$5.00/month
Return Check Fee	$25.00
IRA Transfer Processing Fee	$25.00
Garnishments, Levies, Executions	$50.00
Escheat Fee (5 Year Dormant Sent to State of NH)	$25.00
Teller Assisted Telephone Transfer	$3.00
Check Cashing Fee (Single Service Member)	$3.00
Non-Member Cash Advance	$5.00
Fax Service	$2.00 first page, $1.00/additional
Bad Address Fee	$5.00/month
Collection of Non US Funds Checks	Cost
Special Mailing Requests (FedEx, UPS, etc)	Cost

Share Draft
Fees

Service Description	Fee
Photocopies of paid share drafts	$3.00 each, $5.00 each over 6 months
ACH NSF Fee	$25.00
Share Draft NSF Fee	$25.00
Uncollected Funds (per draft)	$25.00
ACH Stop Payment Fee	$25.00
Share Draft Stop Payment Fee	$25.00
Stop Payment on Range of Checks	$25.00 first check, $5.00/additional
OD Protection Transfer Fee	$10.00
Check Printing*	Fee depends on style ordered

* You will not be sent notice of any change to draft printing fees

ATM/Debit Card
Fees

Service Description	Fee
Monetary transactions at WCU owned ATM	No Charge
Monetary transactions at any non-WCU owned	$1.00 each
POS Transactions	No Charge
All Inquiries	No Charge
ATM/Debit Card Replacement	$10.00
ATM/Debit Card Replacement (Rush)	$20.00
ATM Overdraft Fee	$25.00
ATM Uncollected Funds Fee	$25.00

NOTE: Transaction charges are based on activity on all accounts under your member number and are charged to your share and/or share draft account.

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