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Schedule of Fees
as of 1/15/09
| Returned Share Draft Fee | $30.00 |
| Returned Deposit Item/Loan Payment | $30.00 |
| Returned ACH Fee | $30.00 |
| Stop Payment Fee | $30.00 |
| Statement Page Copy Fee | $2.50 per page |
| Canceled Check Copy Fee | $3.00 |
| Canceled Official Check Copy Fee | $5.00 |
| Replacement Debit Card Fee | $15.00 |
| PIN Reminder Fee | $10.00 |
| Reset Essex Anywhere Password | $5.00 |
| Early Withdrawal Fee From Club Accounts | $5.00 |
| Outgoing Wire Transfer Fee | $20.00 |
| Domestic Western Union Transfer Fee | $20.00 |
| International Western Union Transfer Fee | $20.00* |
| Money Order Fee | $1.00 |
| Research Fee | $20.00 |
*Plus 2% of amount over $500.00 on international transfers