Fees and Charges “USSFCU has a full range of products with competitive rates and fees” Membership Fees Membership Fee One time, non refundable fee to maintain lifetime membership $1.00 Closed Account Fee Charged when a new account is closed within 90 days of opening $5.00 Inactivity Fee No activity on any share or loan under the same member number for 1 year or more $5.00 Transaction Services Stop Payment Fee for one check or check series or one ACH $28.00 Check Copy  Within 5 business days. Free with CUAnyhour and e-Statements $5.00 Check Copy  By fax or within 72 hours. Free with CUAnyhour and e-Statements $5.00 Certified Check   $10.00 Overdrawn Check Fee for dishonored check (including electronic returns) $28.00 Money Market Excess Use* Fee for exceeding Reg D limitation of six withdrawals per month-per item. $20.00 Returned Deposit Item - Member Item Fee for a dishonored item deposited to a member's account (Member's item from other institution) $28.00 Returned Deposit Item - Non-Member Item Fee for a dishonored item deposited to a member's account (Not the member's item) $28.00 Member Privilege Fee to Pay NSF Check (including electronic payment) $28.00 Transfers to Pay Checks CU AnyHour   $0.00 Auto Voice Response   $0.00 Auto Transfer   $0.00 Call Center Transfer   $2.00 Cost of Printed Checks Standard Issue   Varies Custom Designs   Varies Additional Boxes   Varies Gold Source Checking Minimum Balance Fee Fee imposed for balances below $2,000 minimum, per month. $15.00 ATM Fees  Gold Source Accounts pay no CU fees $0.00 ATM Fees  Usage fee for transactions at Senate, Congressional FCU, CU 24 Premium Network, CU Service Centers and ALLPOINT ATMs No Charge Usage fee for transactions from ATMs not owned and/or operated by the US Senate FCU: Classic Checking Four transactions per month at no charge; $1.00 each additional transaction Gold Source Checking   $0.00 Services Gift Cards Coming Soon Varies Money Orders Up to $1,000 - fee is per item $3.00 Cashier's Check Payee is other than member $6.00 Research Per hour or fraction $30.00 Address Search Bad address fee - every 6 months $10.00 Verification Fee Deposits or Loans - per request $25.00 American Express Gift Checks   $2.50 Traveler's Cheques per $100 $1.50 Bond Redemption Fee Per Coupon $5.00 VISA Draft Copy Copy of merchant draft $20.00 Replacement VISA Card Replaced for reasons other than fraud $10.00 PIN Reorder Fee to Order a PIN from PTSI - Not for using the MagTek $10.00 Statement Copy Request Per Statement. Free with CUAnyhour and e-Statements $5.00 Attachment or Levy Per attachment/levy $75.00 Foreign Service/Wire Transfers/Other Domestic Wire Domestic Outgoing $25.00 International Wire Foreign Outgoing $30.00 Wire Incoming All Incoming $10.00 Foreign Check Deposit   $15.00 Foreign Currency Per order - sold only $20.00 Foreign Drafts Per item $20.00 Web Bill Pay Web Bill Pay With e-Statements $0.00 With paper statements - Up to 10 payments per month; $0.49 additional per payment thereafter. $5.00 Lending Services Subordination Fee   $250 Letter of Credit Fee Fee to issue performance bond  1% Lien Registration Fee to Place Lien on Vehicles Varies Skip a Pay Fee CU AnyHour $25.00 Skip a Pay Fee In Branch/Phone $35.00 Home Equity Fees Pass Through Closing Fees Varies Certificate Penalties 6 Month 90 Days of interest $0.00 12 Month 90 Days of interest $0.00 24 Month 180 Days of interest $0.00 36 Month 180 Days of interest $0.00 60 Month 180 Days of interest $0.00

* There is a regulatory limit to the number of transfers that a member can make from these accounts in any one month. Pre-authorized, electronic or telephone withdrawals and transfers are limited to six per calendar month. Unlimited transfers are permitted when the transfer is between accounts of the same member at the Credit Union if made in person, by messenger, by mail, or at an ATM or when the transfer is to pay a loan at the Credit Union. There is no restriction on the number of deposits a member can make into his or her account.

Updated August 28, 2009