Fees

Fee Schedule for Sentry Credit Union Accounts . . . . . . . . . . . . . . . . . . . . .Effective December 2006

The following fees may be assessed in connection with your accounts:

Fees applicable to all accounts:

Statement Copy/History Printout . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1.00 per page

Returned Check Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . .. . . . . . . . $15.00 per check

Wire Transfer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . $15.00 per transfer(1)

Commercial Money Order - Western Union . . . . . . . . . . . . . . . . . . . . . . . . . . . $20.00 per transfer(1)

(1) Out of country wires, CMOs charged at cost.

Stop Pay/Reissue Counter Check . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $10.00 per check

Copy of Counter Check . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$5.00 per item

ACH (EFT) Return NSF . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . $15.00 per item

Excessive Reg D Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . $10.00 per item

ATM Card Reissue . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . .  $5.00 per card

ATM PIN Reissue Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $2.00 per request

ATM NSF Charge . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  . . . . $15.00 per item

VISA Check/ATM Access Card

Service Charge Non-PULSE, Non-SHAZAM ATMs . . . . . . . . . . . . . . . . . . . . . . . . .$1.00 per withdrawal

Point of Sale (POS) Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1.00 per POS transaction

Reconcilement (Acct. Balancing) Charge . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $10.00 per hour

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Minimum Charge of $5.00

Dormant Account Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  . . . . .  . $2.00 per month

Inactive Account Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  . . . . . . . . .  . . $2.00 per month

Certified Checks . . . . . . . . . . . . . . . . . . . . . . . . . . . .  . . . . . . . . . . . . . . . .. . . . . $7.50 per check

Counter Checks . . . . . . . . . . . . . . . . . . . . . . . . First check per day - no charge, then $1.00 per check

Money Orders . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1.00 per check

Fees applicable to Premium Checking, Premium Plus Checking and Security Money Market Account:

Overdraft Protection Transfer . . . . . . . . . . . .. . . . $3.00 per transfer for the first 3 in statement period

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . $6.00 per transfer after the first 3 in statement period

Draft Copy Charge . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  . . . .. . . . . . . $3.00 per draft

Stop Pay Charge . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  . . . . . . . . . . $10.00 per draft

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . $10.00 per group of drafts if lost/stolen

NSF Draft Charge . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $15.00 per draft

Privilege Pay Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $15 per item/$60.00 daily maximum

Account (Forced) Closed Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  . . . . . . $30.00

Check Printing Fees . . . . . . . . . . . . . . . . . . . . . . . . . .  . . . . . . . Varies by style and quantity ordered

Fees applicable to accounts when balance goes below minimum:

Min Balance Charge . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . Premium Plus Checking - $3.00

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Minimum Requirement - Daily Balance of $500.00

Min Balance Charge . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . .  Security Money Market - $3.00

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Minimum Requirement - Average Daily Balance of $1,000.00

Fees applicable to Security Money Market Account:

Telephone Transfer Charge (after first 3) . . . . . . . . . . . . . . . . . . . . . . . .  . . . . . . . . $5.00 per transfer

Draft (check) Clearing Charge (after first 3) . . . . . . . . . . . . . . . . . . . . . . . . .  . . . . . . . $5.00 per draft

Check/Withdrawal/Transfer less than $250.00 . . . . . . . . . . . . . . . . . . . . . . . . . .  . . . . . $5.00 per item

Express Mail - Overnight Delivery

Next Day, Overnight . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $20.00 per package

Saturday Delivery . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $30.00 per package