Fee Schedule

CHECKING FEES QClassic Checking Maintenance Fee QChoice Checking Maintenance Fee (Applies when:1) Direct deposit(s) totaling $1,000 or more are made to this account per month or, $5,000 minimum daily balance in this account per month and; 2) eStatements) Checking Rewards Maintenance Fee (Applies when direct deposit and online statements are not maintained.) Club/Association Account SAVINGS FEES HighQ Savings Maintenance Fee (Applies when eStatements are not maintained.) Basic Savings/Name-Your-Own Savings Accounts/Term Account/Money Management Account/ Maintenance Fee Early Withdrawal Penalties

2-11 Month Term Accounts 12-60 Month Term Accounts Holiday Club Account IRAs ( (Under age 59-1/2. IRS penalty will also apply.) All Outgoing IRA Transfers or Rollovers CHECKING & SAVINGS SERVICES FEES ARM Card or Debit Card Replacement cards ATM withdrawals - First 10 per month ATM withdrawals - After first 10 Daily Maximum Withdrawal Limit - ATM Card Daily Maximum Withdrawal Limit - Debit Card Verification of Deposit Cashier Checks Stop Payment Order (Check or Electronic Transfers) Stop Payment of Quorum Withdrawal Check Copy of Personal Check Check Copy Person-to-Person Non-Member Check Cashing Photocopy of Quorum FCU check Paid NSF Fees (per transaction) Courtesy Pay/Negative Balance Overdraft Transfer from Savings Check or ACH Debit Returned (Insufficient Funds) CREDIT CARDS Quorum Cash Advance Returned Payment Fee Late Payment Minimum Payment of $25.00 or more Minimum Payment of $10.00 to $24.99 Replacement of Credit Card LOANS Late Loan Payment Duplicate Lien Release Private Education Line-of-Credit Application Fee Late Loan Payment Non-Sufficient Funds (NSF) FIRST MORTGAGES & HOME EQUITY LOANS/ LINE OF CREDIT (LOC) Application Fees First Mortgage and Co-op Application Flex Lock Home Equity Loan Origination Fee Late Payment Appraisal (First Mortgages, HELOC, and Home Secured) Closing Costs (Home Equity Loans) Subordination Agreement Fee Preparation and Recording of Satisfaction (Home Equity Loans Flood Certification (First and HELOC) Credit Report Fee (First Mortgages) Tax Service Fee Modification Trust Agreement Verification of Mortgage CONVENIENCE AND OTHER SERVICE FEES Bill Payment Check Copy Bill Payment Stop Payment Wire Transfer Fees Incoming Outgoing Domestic Wire Transfer Outgoing International Wire Transfer Loan Payment Service Fees Recurring Payments via Loan Payment Portal and ACH One-time Payment via Loan Payment Portal One-time Payment via Automated Telephone Service One-time Payment via Member Service Return of a Check You Deposited Abandoned Property Processing Invalid Address/Returned Mail Statement Copy Mid-Cycle Statement History Dormant Account Notarization Signature Guarantee Medallion Foreign Item Collection Research/Special Correspondence Fee Subpoena/Restraining Notice/IRS Levy Overnight Mail Domestic International Saturday Delivery

Fee Schedule

(as of April 18, 2019)

Free $10.00/month

$10.00/month $5.00/month

$5.00/month Free

Dividends earned, not to exceed 90 days Dividends earned, not to exceed 180 days

$15.00 $25.00 $25.00

First 2 free, then $10.00 First free, then $10.00 Free $2.00 $500.00 $1,000.00 $15.00 $5.00 $25.00 $15.00 $10.00 $10.00 $3.00 $5.00

$37.00 $20.00 $37.00

2% ($5min/$25 max) Up to $25.00

$25.00 $10.00 First free, then $10

$25.00 $25.00

Free 5% of the payment due

$20.00

$295.00 0.25%

$495.00 Varies Varies Varies $75.00

$50.00 $15.00 $22.13/$24.14 (single/joint) Varies - begins at $61.00 $225.00 Variable - begins at $150.00 $15.00

$10.00 $25.00

Free $20.00 $45.00

Free $1.95 $1.95 $9.95 $25.00 $100.00 $2.50/month $10.00 $10.00 $5.00 Free Free $30.00 $20.00/hr. ($20.00 min.) $100.00

$15.00 $25.00 Add $5.00

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