Loan Fee Schedule | Truth-In-Savings Fee Schedule

LOAN FEE SCHEDULE

The fees contained in this Schedule are accurate as of 7-1-2006. For current information call your Credit Union at  (713) 850-1600 or (800) 392-5084. This Fee Schedule sets forth certain conditions, rates, fees and charges applicable to all loans and loan requests at Smart Financial Credit Union and is incorporated as part of your loan agreement(s) with us. All rates quoted are annual percentage rates (APR). All rates are dependent on credit worthiness and loan term. Each product has a minimum loan amount and minimum loan amounts for certain terms. Loan to Value Ratio on Secured loans may increase or decrease the rate. See a Member Services Manager to apply or for additional information. Fees are Subject to change - Contact Your Credit Union Loan Accounts   All Loan Accounts (Unless otherwise listed) Loan Late Charge...5% of monthly installment if 10 or more days late (Minimum of $5.00, Maximum of $30.00) Collection Agency Fees…all costs of collecting the amount you owe including court costs Collection Attorney Fees... all costs of collecting the amount you owe including court costs and reasonable attorney fees Application Fee After 3 Denials Within a 12 Month Period...$20.00 Collection Items...$10.00 each Research and Reconciliation...$25.00 per hour (I hr. minimum) with $2.00 per page printed Statement Copied...$3.00 each Transaction History (90 days)...$3.00 each Document Copied...$3.00 each Balance Inquiry...$3.00 each (free through SmartLine) Telephone Transfer...$3.00 each (free through SmartLine) Home Improvement Loans Home Equity Loans Contact us for information.   CreditLine (Line of Credit) Over limit Fee... $10.00 Single Payment Loans Loan Late Charge…$25.00 if 10 or more days late All Credit Cards including MasterCard, MasterCard Gold, Visa Classic, Visa Gold, Visa Platinum & Platinum MasterCard Annual Fee...none Minimum Finance Charge...not applicable Transaction Fee for Purchases...not applicable Transaction Fee for Cash Advances...not applicable Over Credit Limit Fee...$10.00 Late Payment Fee...5% of minimum payment if 10 or more days late Returned Check Fee…$25.00 if a check is returned Student Loans 0% Origination Fee

TRUTH-IN-SAVINGS FEE SCHEDULE

Effective July 1, 2006...Subject to change by the Board of Directors   Share (Savings) Accounts Withdrawals - Two (2) Free Per Calendar Month, Thereafter ... $2.00 each (Waived with deposits $3,000.00+) Holiday Club Accounts Withdrawals Between March 1st And October 31st.$3.00 each Vacation Club Accounts Withdrawals Between September 1st And April 30th...$3.00 each Money Market Accounts Minimum Balance Fee...$10.00 per month - with balance below $2,500 (Money Market Plus Account Only) Transfer Limitations Violation...$10.00 per item Insufficient Check (NSF)...$25.00 per item Checking Accounts   All Checking Accounts Insufficient Check (NSF)...$25.00 per item (paid or unpaid) Temporary Checks (8)...$3.00  (No Charge For Starter Checks) Stop Payment Order Per Series of 25 Checks...$25.00 Check Printing Fees May Vary Primary Checking Minimum Balance to avoid Monthly Service Charge - $400.00 Monthly Service Charge - $4.00 per month Superior Checking (Interest-Bearing) Minimum Average Daily Balance to Avoid Monthly Service Charge - $1,000.00 or 55+ years of age Monthly Service Charge - $10.00 Check Cashing Fee Members with less than $100 in aggregate deposits will be assessed a 3% check cashing fee.  Percentage based upon amount of check cashed or cash back amount (deposit with cash back). Members with less than $100 in aggregate deposits will be excluded from the 3% check cashing fee if: Member is less than sixteen years of age Member has an active checking (share draft) accont Member has an active certificate of deposit account Member has a loan account and the balance is greater than zero Member has a credit card or line-of-credit is greater than zero The minimum check-cashing fee will be $3. Debit MasterCard/ATM Card Services Transactions With a Smart Financial Credit Union Card @ SFCU owned ATM's...No Charge Transactions With a Smart Financial Credit Union Card @ other ATM locations...$1.00 each Replacement Debit MasterCard/ ATM card...$3.00 each Surcharge (terminal fee) free ATM's...Allpoint and Credit Union Friendly Network locations Safe Deposit Box Service (available at our Newcastle, Conroe & Sugar Land offices only) Key Deposit...$25.00 Box Size 3" x 5"...$15.00 annually Box Size 5" x 10"...$50.00 annually Box Size 3" x 10"...$30.00 annually Box Size 10" x 10"...$85.00 annually Other Service Fees (applicable to all accounts) Insufficient ACH Debit...$25.00 each Returned Deposit Item...$10.00 per item Cleared Check Inquiry (maximum of 3)...$3.00 Document Copied...$3.00 each Transaction History (90 days)...$3.00 each Money Orders...$2.00 each Wire Transfers - Outgoing Domestic...$15.00 each Wire Transfers - International ...$30.00 each Notary Services (Non Member)…$6.00 Cashiers Checks (Non Member)…$10.00 Check Withdrawal by Member Services (Phone Center)…$3.00 Telephone Transfer by Member Services (Phone Center)...$3.00 each Verification of Deposit (written - other than SFCU mortgages)…$5 Research and Reconciliation...(1 hour min. - $2/page)…..……. $25.00 Return Deposit Item from Member Account on Another Institution…$25.00 Travelers Cheques...$1.00 per $100.00 (single signature) Travelers Cheques...$1.50 per $100.00 (dual signature) Stop Payment Order ...$25.00 each Balance Inquiry ...$3.00 each Last Payroll Deposit Inquiry...$3.00 Statement Copied...$3.00 Paid Check Copied...$3.00 Collection Items...$10.00 each Foreign Collection Items...$20.00 each Insufficient Debit MasterCard Transaction…$25.00 each Cashier's Checks payable to Third Party…$3.00 Tax Levies and Garnishments…$20.00 Incorrect Address Fee…$10.00 Coin Sorter Fee (Non Member)...5% of amount sorted American Express Gift Cheques...$2.50 per cheque