| 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. |
| Domestic Point of Interaction (POI) Signature Based Transactions (includes inquiries and declined transactions): $0.50 per transaction |
| International Point of Interaction (POI) Signature Based Transactions (includes inquiries and declined transactions): $2.00 per transaction |
| Domestic Point of Interaction (POI) Pin-based Transactions (includes inquiries and declined transactions): $0.95 per transaction |
| International Point of Interaction (POI) Pin-based Transactions (includes inquiries and declined transactions): $1.95 per transaction |
| Domestic ATM Transaction (includes withdrawals, declined transactions and balance inquiries): $1.50 |
| International ATM Transaction (includes withdrawals and declined transactions): $4.50 |
| International ATM Transaction (balance inquiries): $1.50 |
| Card-to-Card Transfer: $4.00 |
|
| Paper Statement: $5.00 |
| Negative Balance Service Fee: $29.00 |