Schedule of Fees & Limits

Cardholder Fees	Statement Descriptor	Amount
Monthly Maintenance Fee Waived until expiration	SVC CHG-MONTHLY	$5.00 (per month)
Replacement Card Fee	SVC CHG REPLACE CARD	$10.00 (per Card)
Refund Process Fee	DR ADJ OTHER REFUND PROCESS FEE	$15.00 (per Card)
International Transaction Service Charge	SVC CHG INTRNTL TRAN	3% of transaction
Paper Statement	DR ADJ OTHER STATEMENT FEE	$5.00 (per statement)