| Subject to applicable laws, the following fees apply to your Card: |
| Maintenance Fee: $4.95 per month fee |
| Replacement Card Fee: If your Card is lost or stolen, there will be a fee of $9.95 to replace it. |
| Point of Interaction (POI) Signature Based Transactions (includes inquiries and declined transactions): $0.50 per transaction (US Domestic) |
| Point of Interaction (POI) Signature Based Transactions (includes inquiries and declined transactions): $2.00 per transaction (International) |
| Point of Interaction (POI) Pin-based Transactions (includes inquiries and declined transactions): $1.50 |
| Domestic ATM Transaction (includes Withdrawals): $1.50 |
| Domestic ATM Transaction (includes Balance Inquiries and declined transactions): $1.50 |
| International ATM Transaction (includes Withdrawals, Balance Inquiries and declined transactions): $1.50 |
| International ATM Transaction (includes Balance Inquiries and declined transactions): $1.50 |
| Card-to-Card Transfer: $4.00 |
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| Paper Statement: $5.00 |
| Negative Balance Service Fee: $29.00 |