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ADDENDUM B <br />Cardholder Fees <br />Monthly Account Maintenance $4.95 <br />POS Transactions FREE <br />NSF Overdraft Fee NONE <br />Load Fee FREE <br />Electronic Statement FREE <br />Direct Deposit FREE <br />Email Notifications - Balance Inquiry FREE <br />Text Message Alerts - Balance Inquiry FREE <br />Customer Service via IVR FREE <br />ATM Cash Withdrawal $2.00 <br />Other Domestic ATM Transactions (including Declines) $0.50 <br />International ATM Cash Withdrawal $3.50 <br />Other International ATM Transactions (including Declines) $1.00 <br />Cash Withdrawal From Bank $4.00 <br />Bill Pay $1.00 <br />Card to Card Transfers $1.00 <br />Other Transfers $3.00 <br />Expedite Card Delivery $25.00 <br />Declined Transactions $.25 <br />Live Agent Customer Service $2* <br />*Waived if card problem exists <br />Initials <br />Initials <br />7of7 <br />25H-21