SAFE DEPOSIT BOXES FEE SCHEDULE FREE …

1 CHECKING ACCOUNTSFree Checking Generation CheckingSM FREEP remium CheckingSM Account1If minimum daily balance of $1,000 is not maintained ..$ per month2 SAVINGS ACCOUNTSM oney Market Savings AccountIf minimum daily balance of $2,500 in aggregate DEPOSIT accounts under the same account number as the Money Market Savings Account is not maintained .. $ per month2 Youth Savings AccountExcessive Savings Withdrawals .. More than three branch cash withdrawals or transfers per month.$ per withdrawalRegular Savings AccountExcessive Savings Withdrawals.

2 More than three branch cash withdrawals or transfers per month.$ per withdrawalRegular Savings Account Low Balance Relationship Fee .. SaverSM Account ..FREEIRAsIRA Certificates and IRA SavingsDirect transfer of your Golden 1 IRA funds requested by another institution .. $ GENERAL SERVICESA ccount Reconciliation Research ..$ per hour plus document copies needed for research Collection Item (Domestic) (sent or received)3 ..$ plus any outside financial institution feeCollection Item (Foreign) (sent or received)3 ..$ plus any outside financial institution feeCopiesACH Entries/Personal Checks (two free per month) (including printouts).

3 Other credit union items ..$ per copy $ per copy $ per copyCheck Cashing Fee (non-member) 5 ..$ per itemCheck DEPOSIT /Payments Returned ..$ per itemCheck Printing Fee ..Varies by style orderedEscheat Notice6 ..$ per noticeLevy or Garnishment7 ..$ per noticeAddress Verification ..$ Pay Fee8 ..Overdrafts caused by paid checks and/or ACH/electronic items Includes everyday debit card transactions if accountholder has opted in for this service$ per itemFEE SCHEDULE Effective September 5, 2017 Insufficient Funds/Uncollected Funds ..$ per itemOnline Bill Payment Online Bill PaymentsSame Day.

4 $ per itemOvernight ..$ per itemOnline External Transfer Service FeeIncoming ..FREEO utgoing ..FREEO verdraft Fee .. Includes everyday debit card transactions if accountholder has opted in for this service$ per itemOverdraft Protection (from savings or loan) ..FREEStop Payment Orders (new or renewal) ..$ per itemVerification of DEPOSIT ..FREED ebit/Credit Card Expedited Replacement ..$ Coin Machine9 ..5% of amount depositedREPRESENTATIVE ASSISTED SERVICESC hecks Clearing Stamp (members only) ..$ per signatureMoney Orders ..Stop Payment for Money Orders.

5 $ per item$ per itemNotary FeeCredit union Documents ..All Other Documents .. free $ per signatureCashier s Checks ..Payable to yourself, title company or Consumer Credit Counseling ..Stop Payment Fee for lost/stolen checks ..$ per check free $ per checkTemporary Checks ..$ for 5 checksTransfers within Same AccountPerformed by a Member Service Rep ..FREEWire Transfer (Domestic) ..Outgoing (International) .. free $ per wire $ per wireATM SERVICESATM Out-Of-Network FeeWithdrawals ..Transfers ..Inquiries ..$ per transaction $ per transaction $ per transactionForeign Transaction FeeIf through Visa Network: International Service Assessment (ISA) on all international transactions, regardless of whether there is a currency conversion.

6 If there is a currency conversion, the ISA is 1% of the transaction. If through MasterCard Network: of dollar transaction amount if conducted in a foreign country; additionally, of the dollar transaction amount if converted from a foreign currency. GOLDEN PRESTIGEB enefits include: choice of checking account, 2 BOXES per year of personalized Golden 1 Custom Image Checks, 10 Cashier s Checks per month, Domestic Wire Transfers, Postage-Paid Envelopes and Notary Service (for members 62 and older) .. FREESAFE DEPOSIT BOXES3x5, 3x10, 5x5*, 5x10, 10x10*.

7 Lost or Broken Key ..Locksmith Services ..Transfer to Another Size before Expiration ..Varies by box size$ $ $ SHARED BRANCH TRANSACTIONS11 Local Transactions** ..Shared Branch transaction fee for members living within approximately 20 miles, as determined by ZIP code, of a Golden 1 Transactions** ..Shared Branch transaction fee for members not living within approximately 20 miles, as determined by ZIP code, of a Golden 1 branch (four transactions free per month). free * Sunrise branch only. ** Fee waived for deposits or loan payments made at a CO-OP Shared fee SCHEDULE only reflects available products and services.

8 Please Note All fees will be assessed at the time of service or deducted from your account. If the balance is insufficient, you will be notified to pay the required fee. The credit union may charge any of your accounts for any fee due. Any fees or charges assessed to the credit union for extra service or special handling of your account will be passed on to you. We reserve the right to change this Fee SCHEDULE at any time. We will notify you as required by law of any changes in charges that may be imposed on an account. 1 Fee will be waived if you have an aggregate savings of $5,000 or more in any combination of savings accounts within the same account as the Premium Checking, during the statement period, at the time the fee is assessed.

9 Fee will be waived if you have electronic direct DEPOSIT during the month to that Premium Checking Account. 2 Monthly maintenance fee waived for the month in which the account is opened. 3 If we find it necessary to send a check or draft for collection and not give immediate credit, any outside fees will also be charged to the account, which may be more for foreign collection Two free check copies are available per month of request. If no copies are requested in any given month, the two free copies for that month are This service only applies to Golden 1 checks.

10 Fee waived for minors (age 17 and under). 6 Required notice under Unclaimed Property Law to members advising that their property will escheat to the state unless there is activity or response to Fee will be collected if we are required to hold or deliver funds in compliance with a levy or garnishment against your account. 8 Subject to a maximum of six (6) courtesy pay fees per day. Courtesy pay fees will be waived on transactions that use $ or less of courtesy pay per Fee is waived for account balances of $500 or more. Fee is also waived for members under the age of 18.