New fee schedule

WEST VIRGINIA CENTRAL CREDIT UNION
FEE SCHEDULE

EFFECTIVE DATE NOVEMBER 1, 2000

Return Fees                                                                             $15.00

Transfer Fee                                                                              $5.00

Monthly Drafts Back Fee                                                         $3.00

Annual VISA Check Card Fee                                               $12.50   
Additional VISA Check Cards                                                 $2.50

VISA Check Card Replacement Fee                                        $5.00

Stop Payment Fee                                                                    $5.00/Item

Counter Checks                                                                       $0.25 Per Check

Copy of Draft Fee                                                                   $3.50 Per Draft

Account Reconciliation/Research Fee                                  $15.00 Per Hour

Copy of Past Statement Fee                                                    $2.50 Per Mth

Copy of Current Account Information                                    $0.00 Per page

Wire Fee (Outgoing) Domestic                                             $15.00
                                  International                                         $25.00

Money Order Fee                                                                     $0.50 Per Item

Legal Process Fee                                                                   $36.00

Travelers Checks                                                                      $0.00 Per $100
   Cks for Two                                                                           $1.00 Per $100
   Gift Checks                                                                            $2.50 Per Item

Safety Deposit Boxes 3 X 5                                                    $10.00 Per Year
                                   3 X 10                                                   $20.00 Per Year

Fee to Drill Safety Deposit Box                                            $125.00
Key Replacement                                                                      $5.00

Official Check Fee                                                                   $1.00 Per Check
(Made Payable to Third Party per Member's Request)

New Account Closing Fee                                                        $5.00
(Closed Within the First 90 Days)

Incorrect Address Fee (Statement Returned, etc.)                    $5.00

On Thursday, October 19, we invite you to join over 100 million credit union members worldwide in the celebration of International Credit Union Day.
Credit unions have kept their purpose constant for more than 150 years. Today, more than 100 million people worldwide belong to 37,623 credit unions in 84 countries.
Because credit unions are not-for-profit financial cooperatives, their focus has always been on service to members. At one credit union, that service may mean refinancing a new member's car at a lower rate. At another, a member might be taking out a $400 loan to get through tight times. Credit unions provide the services members request--whether it's a student loan or car loan or a first mortgage. No need is too big or too small.
Each member has an equal vote in electing a volunteer board of directors. There are no stockholders, so members receive higher rates on their savings accounts, lower rates on loans, and lower service fees.
Join us for International Credit Union Day on Thursday, October 19, 2000. You'll find the best deals and the best service, year 'round.

SCHEDULED EVENTS

The Red Cross Blood Mobile will be at the credit union on Monday, October 16, 2000 from 12:00 to 4:00. Members willing to donate blood can sign up at the credit union.  All week we will be having a contest for all members, every new service that week that you sign up for, your name will be entered into a drawing for a chance to win $500.00 in cash.  For example, if you sign up for a Visa Check Card, a Vacation Club and the Audio Teller, your name will be placed into the drawing three times. One happy member will win $500.00 in cash on Friday, October 20, 2000.

On Wednesday we will give the first 50 checks free with the first order to any member that opens up a share draft (checking) account.  On Thursday we will provide free hotdogs and drinks from 11:00 a.m. to 2:00 p.m. and a live remote from 95XIL radio station.

In honor of Credit Union Week and to encourage the use of the  CU@HOME service, the credit union is giving away a computer system.  The only thing that is required, is for you to fill out the coupon (bottom left of this page) and mail it back to the credit union.  This coupon will be placed into a box and one lucky member will be the winner of a new computer.  The winner will be picked on Friday, October 20, 2000 at 3:00 p.m. The winning member will be notified and arrangements to pick up the computer will be made.