Fees

Southernmost

Federal Credit Union

P. O. Box 2250

Key West, FL 33045-2250

(305) 296-6568

Fee Schedule

Last Dividend Declaration Date: March 31, 2004

Savings Account Fees
Christmas Club Withdrawl Fee	$10.00 per withdrawl
Vacation Cub Withdrawal Fee	$10.00 per withdrawl

Checking Account Fees
Returned Item Fee	$15.00 per item
Check Printing Fee	Prices may vary depending upon style
Share Draft Printing Fee	Prices may vary depending upon style
Checking Account Minimum Balance Fee	$ 5,00 per month if minimum balance is not maintained
Checking Account NSF Checks Fee	$20.00 per check
Checking Account Stop Payments Fee	$10.00 per check
Checking Account Check Copies Fee	$ 3.50 per check for front side only and $7.00 per check for both sides.

Other Service Fees (applicable to all accounts)
Account Research Fee	$15.00 per hour
Statement Copy Fee	$ 2.00 per copy
Deposited Item Return Fee	$15.00 per item
Items Sent for Collection Fee	$10.00 per item
Wire Transfer (incoming) Fee	$10.00 per transfer
Wire Transfer (outgoing Fee	$15.00 per transfer
Money Order Fee	$ 1.00 per item
Account Closure Fee	$10.00 if closed within six (6) months of opening account
Counter Checks Fee	$ 2.00 if written to someone other than a memger
Account Printout Fee	$ 2.00 per account

Credit Union Membership
Membership Share	$ 5.00 par value
Membership Fee	$5.00

The fees appearing in this Schedule are accurate and effective for deposit accounts as of the Last Dividend Declaration Date indicated on this Fee Schedule. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union.