SERVICE CHARGE AND FEE SCHEDULE

1 SERVICE CHARGE AND FEE SCHEDULEE ffective August 8, 2017 (Subject to Change) FreeMonthly checking account Money (mobile/online Standard) Transfer (mobile/online Standard) Pay (mobile/online Standard)6 .. Access/MobileAccess+6 ..FREEeDeposits (mobile/online) Credit Card annual fee ..NONEVisa Debit Card annual No minimum monthly transaction requirementsPlastic card transfer from savings/checking/line of at ABECU owned ATMs or CO-OP or HSA notary SERVICE ..FREEA ccount AdministrationMaintenance CHARGE for accounts in a householdwith combined total loan balances and total averagedaily deposit balances less than $ $5/month Exempt accounts.

2 Members age 25 and younger or age 65+, new members with accounts open less than 6 months, or members with direct deposit(s) totaling $500+ per $25 Returned $5/eachAccount $20/hourmyFit Card $5/monthReturned NSF/UCF check or ACH $29/itemPaid NSF check, ACH, or debit $29/itemReturned check $15/itemCheck/periodic statement $2/item Pricing for Eagle Advantage $500 minimum average daily balance for Interest Checking Plus $5/monthLogo checks (single)..$ checks (duplicate)..$ Pricing for Silver Member discount3 Pricing for Gold Member Merits and Eagle Advantage and other check payment on check or ACH item ..$29/itemPositive Pay for NSF/UCF check or ACH $10/itemForeign check processing (additional foreign institution fees may apply) Provisional Canadian Cash $5/item Provisional Foreign and $6/item Provisional $22/item Collection Item Foreign and $17/item Collection Item $32/itemBill Pay (mobile/online Expedited Electronic) $5/itemBill Pay (mobile/online Overnight Check) $25/itemATM (ATM owner-imposed surcharges may apply)Withdrawal at non CO-OP $ Pricing for Silver Member free /month5 Pricing for Gold Member free /month5 Inquiry at non CO-OP $ Money (mobile/online outgoing Express)

3 $3/eachExternal Transfer (mobile/online outgoing Express) $3/eachMoney Order ..$3/each Pricing for Eagle Advantage members ..$1/eachCashiers $4/each Pricing for Eagle Advantage $1/eachVisa Gift Card .. $4/eachExpress Mail/Delivery SERVICE at member Deposit Boxes (Available at select branch locations)Size $15/yearSize $35/yearSize 5x10 ..$50/yearSize 10x10 ..$80 $90/yearSize $100/yearSize $200 $25/skipped payment Requirements and limitations apply; see skip-a-payment form for loan payment (excludes credit cards)..$15/payment or as stipulated in loan agreementReturned credit card To $25/paymentCredit card cash advance ..$2/advance Except Visa Signature which is 3% of each advance (minimum $10)Credit card foreign of transaction ( Dollars)Late based on loan agreementNon-MembersCheck cashing up to $ $10/check $ $15/check $2501 or $25/checkCoin machine of total coins cashedWire TransactionsOutgoing bank wire, $15/eachOutgoing bank wire, $50/eachACH = Automated Clearing House; UCF = Uncollected Funds; NSF = Non-Sufficient Funds.

4 Eagle Advantage program is available to members ages 55+ with qualifying balance or direct deposit. Member Merits is a package of free services , discounts and bonuses for households with combined loan and total average daily deposit balances of $2,500+. (1) Members whose household drops below $500 in combined loan balances and total average daily deposit balances can avoid this CHARGE by achieving a higher balance within 60 days of dropping below. (2) SERVICE based on current account standing; limitations apply. One courtesy pay overdraft at no CHARGE every 12 months. (3) Limit one box free or discounted per calendar year. (4) Member initiated request; subject to verification.

5 Limitations/restrictions apply. (5) Withdrawals from all non-ABECU/AECU/PCU owned ATMs are included in monthly free transactions for Member Merits benefits. (6) Requires Online Access/Mobile Access+. Cellularcarrier and data rates may apply. (7) Enrollment required. 1001 Lynch Street Saint Louis, MO 63118314-771-7700 877-325-CU4 UFederally insured by NCUA