YELLOWSTONE FEDERAL CREDIT UNION RATE & FEE SCHEDULE
Effective May 21, 2008
The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.

Membership Entrance Fee	$1.00
Draft/Check Printing (Fee depends on       style of draft/check ordered)	Varies
Buisness Check	$5.00 each
Money Order	$1.00 each
Non-Sufficient Funds – Draft or Debit Card	$25.00
Special Handling (Clear item if deposit             made before item returned NSF)	$25.00
Over Draft Transfer (first 5 per month free)	$3.00 each
Stop Payment (single item)	$20.00
Stop Payment (series of items)	$35.00
Outgoing Domestic Wire Transfer	$20.00
Copy of Draft/Check	$3.00 each
Photocopy	$0.10 each
Temporary Draft (first eight free       with new account)	$2.00/packet of 8
Share account closed within       90 days of opening	$25.00
Automatic Debit (ACH) Returns	$25.00 each
Late Loan Payment Fee       (if more than 10 days late)	$25.00
Dormant Account Fee	$5.00 per month
An Account is considered Dormant if:  There have been no withdrawals or deposits with in the last 24 months (other than credited dividends), we have received no communication from you about any of your accounts and the account balance is under $100.00.
Bad Address Fee - Bad Address Fee will be assessed after two statements have been returned.	$5.00

Membership and Account Agreement – Overdrafts

A. Over Draft Liability. If on any day the funds in your share account are not sufficient to cover drafts, fees or other items posted to your account, those amounts will be handled in accordance with our overdraft procedures or an overdraft protection plan you have with us. The Credit Union’s determination on an insufficient account balance may be made at any time between presentation and the Credit Union’s midnight deadline with only one review of the account required. We do not have to notify you if your account does not have funds to cover drafts, fees or other posted items. Whether the item is paid or returned, your account may be subject to a charge as set forth in the Rate and Fee schedule. Except as otherwise agreed in writing, we, by covering one or any overdraft, do not agree to cover overdrafts in the future and may discontinue covering overdrafts at any time without notice. If we pay a draft or impose a fee that would otherwise overdraw your account, you agree to pay the overdrawn amount immediately. We reserve the right to pursue collection of previously dishonored items at any time, including giving a payer bank extra time beyond any midnight deadline limits.
B.Overdraft Protection Plan. If we have approved an overdraft protection plan for your account, we will honor drafts drawn on insufficient funds by transferring funds from another account under this agreement, as you have directed, or as required under the Credit Union’s overdraft protection policy. The fee for overdraft transfers, if any, is set forth on the Rate and Fee Schedule. This Agreement governs all transfers, except those governed by agreements for loan accounts.