SCHEDULE OF FEES AND LIMITS

Card Activation/Issuance Fee

Waiver per card

Monthly Maintenance Fee

Waived per month

PIN Selection Fee

$.25 per change

Card Load Fees

POS Load

Waived per load

Direct Deposit

Waived per load

Signature Based POS Transaction Fees

Waived per transaction

PIN Based POS Transaction Fees

$.50 per transaction

ATM Transactions Fees

Withdrawal (in U.S.)

$1.50 per withdrawal

Withdrawal (outside U.S.)

$4.50 per withdrawal

Other

$.75 per action or transaction

Cash advance fees

$5.00 per transaction

Customer Service Fees

VRU Fee

$.25 per action

Representative-assisted

$1.50 per minute

Online Access

Waived per access

Lost or Stolen Replacement or Reissue

$10.00 per card

Express Delivery of Replacement Card

$20.00 per card

Administrative Fee to Close Account

$10.00 per account

Overdraft Fee

$25.00 per overdraft

Return Item Fee

Waived per return

Account-on File Fee

$5.00 per month

Maximum Card Load Limit

$10,000 per day

Maximum Card Balance Limit

$10,000

Maximum ATM Withdrawal Limit 3 transactions or $1,000 per day

Maximum POS Transaction Limit 10 transactions or $10,000 per day