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Cardholder Fees <br />Monthly Account Maintenance <br />$4.95 <br />POS Transactions <br />FREE <br />NSF Overdraft Fee <br />NONE <br />Load Fee <br />FREE <br />Electronic Statement <br />FREE <br />Direct Deposit <br />FREE <br />Email Notifications — Balance Inquiry <br />FREE <br />Text Message Alerts — Balance Inquiry <br />FREE <br />Customer Service via IVR <br />FREE <br />ATM Cash Withdrawal <br />$2.00 <br />Other Domestic ATM Transactions (including Declines) <br />$0.50 <br />International ATM Cash Withdrawal <br />$3.50 <br />Other International ATM Transactions (including Declines) <br />$1.00 <br />Cash Withdrawal From Bank <br />$4.00 <br />Bill Pay <br />$1.00 <br />Card to Card Transfers <br />$1.00 <br />Other Transfers <br />$3.00 <br />Expedite Card Delivery <br />$25.00 <br />Declined Transactions <br />$.25 <br />Live Agent Customer Service <br />$2* <br />*Waived if card problem exists <br />AA\ - <br />Initials <br />7 of 7 <br />Initials <br />---- Initials <br />