KIT Federal Credit Union

KIT FEDERAL CREDIT UNION

FEE SCHEDULE

3415 Bardstown Road, Suite 103A
Louisville, Kentucky 40218
502.459.9286 or 1.888.459.9286
FAX: 502.458.7038

This Fee Schedule sets forth the fees charged by KIT for using various accounts and services. Please review this information along with the Membership Agreement, Rate Schedule, and Truth in Savings Disclosure to educate on the best accounts and services for your financial needs. The Credit Union reserves the right to change the terms and conditions of these accounts from time to time without notice to you unless provided by law.

Revised as of June 1, 2006

ITEMIZED SERVICE FEES
Membership Fee	FREE
Overdraft Fee (paid or returned items)	$25.00 ea.
Overdraft Transfer Fee, if transferred from other than Prime Shares	$5.00 per transfer
Stop Payment Fee	$10.00 ea
Stop Payment Fee (NSF in account)	$25.00 ea.
Photo Copy of Check Fee	$3.50 ea.
Check Printing Fee	Prices Vary
ATM Card/PIN Replacement Fee	$5.00 ea.
ATM Overdraft Fee	$25.00 ea.
ACH NSF Fee	$25.00 ea.
ACH Stop Payment Fee	$10.00 ea.
Domestic Wire Transfer In Fee	$5.00 ea.
Domestic Wire Transfer Out Fee	$10.00 ea.
Money Order Fee	$1.00 ea.
Travelers Checks Fee	FREE
Loan Late fee: 10% of each scheduled payment past due, charged each time you pay until loan is current.	Minimum per pmt due: $15.00 Maximum per pmt due: $25.00
VISA Late Fee	$35.00
Check Cashing Fee (Fee waived if account balance is $50 or more)	$3.00 ea.
Official Check Fee-Member: 1st Check 2 or more checks	FREE $1.00 ea.
Official Check Fee - Third Party	$3.50 ea.
Cashier's Check Fee	$5.00 ea.
Interim Statement Fee	$1.00 pg.
Records Copy Fee (Statements, histories, etc.)	$1.00 pg.
Returned Check Fee
For personal checks drawn on another financial institution - redeposit.	$5.00 ea.
For personal checks drawn on another financial institution - funds backed out.	$25.00 ea.
Research Fee (No charge if error by Credit Union)	$25.00
Checkbook Balancing Fee (1st time free)	$25.00 hr.
Christmas Account Early Withdrawal Fee (Prior to October 1st)	$5.00 ea.
Garnishment/Levy Fee	$50.00 ea.
Removing Joint Owner Fee (Upon third occurrence and thereafter)	$25.00 ea.
Loan Application Fee	$10.00 ea.
VISA Card/PIN Replacement Fee	$5.00 ea.
Dormant Account Fee	$5.00/mo.
Fax Fee	$1.00 pg.

AGGREGATED TRANSACTION FEES
ATM Withdrawal Transaction Fee (Per membership account) First 4 in a calendar month Excess of 4 in a calendar month	FREE $1.00 ea.
ATM Deposits	FREE
ATM/Debit Card Point-of-Sale transactions	FREE
Excessive Withdrawal Fee (per Prime Shares, Christmas or Special Accounts) (Cash and check withdrawal transactions) First 5 in a calendar month Excess of 5 in a calendar month	FREE $5.00 ea.

Your savings federally insured to at least $100,000
and backed by the full faith and credit of the
United States Government.