General Services Fees (effective April 1, 2003)

Membership Fee (one time fee)	$1.00
Deposited item returned	$15.00 each
Non-sufficient fund check	$15.00 each
Below minimum balance	$2.50 / month
Stop payment fee	$10.00 each
IRA Annual fee	$10.00 / year
Traveler's Cheques	$1.00 / trans.
Replace Plastic card	$5.00 each
ATM Usage for first 10 per month	Free
ATM usage after first 10 per month	$2.50 each
Research	$10.00 / hour
Check Printing	At cost
Photocopies of drafts	$2.00 each
Teller check for first 3 per month	Free
Teller check after first 3 per month	$5.00 each
Pre-approved loan fee (refundable at time of loan closure)	$50.00
Bill Payment (first 10)	$4.95 / month
Bill Payment (after 10)	$3.00/ month
Closing fee - before 30 days on new accounts	$25.00
Pay off demand on mortgage loans	$30.00

LOANS

A loan is a privilege. A loan officer or a credit committee made up of fellow members will review each loan request and decide on its acceptance. A loan is available for any productive purpose. The member must have a good credit record in order for a loan to be considered. A share balance of $100.00 must be maintained when a loan is carried by a member. Check our latest rates.

Free BLUE BOOK (http://www.kbb.com/ ) quotes on automobiles

ACCOUNT INFORMATION

• Consistently high dividends, compounded quarterly
• Direct deposit service
• A vote in the management of your credit union's affairs
• Individual Retirement Accounts
• Share draft (checking) accounts with ATM card
• Payroll deduction

OVERDRAFT POLICY

The overdraft policy addresses the issue of honoring overdrafts by members on the share draft (checking) account. Overdrafts from the share draft account occur when a member has written a check against funds not currently on deposit in the account.

Each member who opens a share draft account may have four overdraft sources attached to the account. Six transfers per month may be made on each source, whether it is a loan or share account.

If all overdraft sources are exhausted with no funds available to cover the share draft, the credit union will make a choice to return the draft as a non-sufficient fund item or pay the draft. The criteria used to determine if payment should be made is as follows:
Payroll deduction is due from the employer

• Direct deposit is due via ACH (Automated Clearing House)
• Six overdrafts (Regulation D) have been made in one month on each overdraft source and funds are still available.
• The member deposits funds to the checking account prior to 10:30 a.m. the following morning.

VISA CREDIT CARDS -- no annual fee

If you haven't applied for your RC SSE Federal Credit Union VISA Credit Card, you have missed out on the opportunity to build Scorecard points. For every dollar you charge on our VISA Credit Card, one point is awarded. Points may be cashed in for merchandise and services. Our members are redeeming points for appliances, hotel stays, and round-trip airfare for travel. Points may also be redeemed at the Credit Union for increased interest rates paid on Share Certificates or to reduce the interest rate on a new car loan financed through the Credit Union.

Your Credit Union never charges an annual fee or cash advance fee. Call today for current rates charged and terms of the account.

INSURANCE

Insurance by N.C.U.A. on all shares up to $100,000 per member