Fee Schedule  Effective February 1, 2010

Open Regular Share Account (New Member) $25.00 Minimum Balance	No Fee
Early Withdrawal Penalty - Term Share Certificates	180 Days Dividend
Share Accounts - 5 Free Withdrawals per Month	$1.00 (after 1st five)
Internet (Online Banking)	No Fee
Online Bill Pay	No Fee
American Express Travelers Checks	No Fee
American Express Gift Checks	$2.50
Notary Service	No Fee
Account Research	$25.00/hr
Domestic Wire Transfer	$20.00
International Wire Transfer	$40.00
Insufficient Funds Fee - ATM Transaction	$20.00
Insufficient Funds Fee - ACH Transaction	$20.00
Insufficient Funds Fee - Returned Check	$20.00
Stop Payment Fee for Personal Check	$20.00
Stop Payment Fee for Credit Union Check	$20.00
Overdraft Transfer Fee - From Shares	$3.00
Overdraft Loan Transfer Fee	$2.00
Draft Copy (Free via Online Banking)	$5.00
Tax Levy/Garnishment	$25.00
Dormant Account Fee	$10.00
Returned Mail - Incorrect Address	$2.50
Debit Master Card - Initial Card	No Fee
Debit Master Card - Replacement	$10.00
Debit Master Card Rush Delivery Fee	$40.00
HTM Credit Union Visa Annual Fee	No Fee
HTM Credit Union Visa Rush Delivery Fee	$25.00