IBM Southeast Employees’ Federal Credit Union
LOAN FEE SCHEDULE
Effective September 29, 2009

Consumer Loan Fees and Charges

Dishonored Check or ACH Charge ............................... $30.00
Extension Fee ...........................................the greater of $25.00  
.................................................or 10.00% of Payments Deferred
Late Charge ..................................................................... $30.00
Overnight Delivery Fee (Weekday/Saturday) ..... $20.00/$40.00
Payment by Telephone Fee (ACH Origination)  ............... $7.00
Returned Mail Fee (USPS Returns) .................................. $5.00

Real Estate Loan Fees and Charges

Courier Fee (Weekday/Saturday) .................................... $35.00
Dishonored Check or ACH Charge ..............................  $30.00
Extension Fee ...........................................the greater of $25.00  
.................................................or 10.00% of Payments Deferred
First Mortgage Credit Report Fee ................................. $25.00
First Mortgage Underwriting Fee ............................................ $425
Home Equity Line of Credit Application Fee (HELOC) ... No Fee
  HELOC Convenience Check Stop Payment Fee...... $25.00
  HELOC Convenience Check Transaction Fee ........ No Fee
  Late Charge ........................... 5.00% of Principal and Interest
Mortgage Appraisal Fee (First and Second Mortgages) ... $325.00*
Mortgage Subordination Fee (Charged to other Lender) ....  $200.00
Payment by Telephone Fee (ACH Origination) ................ $7.00
Returned Mail Fee (USPS Returns) .................................. $5.00
Second Mortgage Application Fee ............................... No Fee
Surrender Fee .......................................... the lesser of $400.00
................... or the actual closing costs paid by the Credit Union.
 You may be charged a Surrender Fee if the Credit Union has paid your real es-
tate loan closing costs and your Home Equity Line of Credit or Second Mortgage 
is paid off and closed within the first three (3) years of the loan.
*Estimate.

VISA® Credit Card Loan Rates

VISA Platinum ...............................7.90%  - 15.15% APR*
VISA Platinum Monthly Periodic Rates ......... 0.6583% -1.2625%
VISA Classic .................................12.50% - 18.00% APR*
VISA Classic Monthly Periodic Rates .......... 1.0417% - 1.5000%
Grace Period for Repayment of Purchase Balances:
.....................................................................25 Days on Average

Grace Period for Repayment of Balance Transfers, Cash 
Advances, Convenience Checks, and Overdraft Transfers:
........None, from date of transaction to full payment posting date
Method of Computing Minimum Payment:
2.00% of Statement Balance, or balance if amount less than $10.00
Method of Computing Purchase Balances
...................... Average Daily Balance, including New Purchases
Minimum Finance Charge ................................................ None

VISA Credit Card Fees & Charges

Annual Fee ....................................................................  No Fee
Balance Transfer Transaction Fee ............................... No Fee
Card Replacement Charge ............................................  $10.00
Cash Advance Transaction Fee ................................... No Fee
Convenience Check Stop Payment Fee ....................... $25.00
Convenience Check Transaction Fee .......................... No Fee
Dishonored Check or ACH Charge ............................... $30.00
Extension Fee ...........................................the greater of $25.00
.................................................or 10.00% of Payments Deferred
International Service Assessment (ISA) Fee.... 2.00% of USD
Late Charge ......……………..…………… ........................ $30.00
Over Limit Fee ................................................................. $30.00
Overnight Delivery Fee (Weekday/Saturday) ..... $20.00/$40.00
Payment by Telephone Fee (ACH Origination) ................ $7.00
Personal Identification Number (PIN) Replacement Fee ... $3.00
Returned Mail Fee (USPS Returns) .................................. $5.00
Rush PIN Request Fee ................................................... $20.00
Sales Draft Copy Fee .......................................................  $5.00
Statement Copy Fee ........................................................  $5.00
*  APR = Annual Percentage Rate for Purchases, Cash Advances and 
Balance  Transfers.    Actual  APR  based  on  creditworthiness.  For  cur-
rent Consumer and Real Estate Loan Rates, visit our website or con-
tact a Member Service Advisor.  Refer to “Your Loan Disclosures” for 
full  disclosure  of  account  terms  and  conditions.  For  more  informa-
tion,  please  visit  www.ibmsecu.org  or  contact  us  at  800.873.5100, 
or 561.982.4700 or serviceplus@ibmsecu.org.

NCUA

A1263