Fees

LOAN FEES
Effective September 1, 2005

P.P.S.A.(Cost only for Consumer Fixed Credit)
Registration	20.00 plus cost
Renewal	10.00 plus cost
Partial Discharge and Amendment	20.00 plus cost
Requested Discharge	10.00 plus cost
Searches	10.00 plus cost
General
Land Titles Interest Registration	50.00 plus cost
Land Titles Search	10.00 plus cost
Mortgage Re-advance	100.00 plus cost
Inspection Fee	Under 1hr. $35 plus cost Over 1hr. $50 plus cost
Collection Follow-up on Loans, LOC's & OD	Cost
Letter of Credit	1% of approved amount or minimum of $50 plus like amount for annual review
Interest Paid Letters	No Charge
Mortgage Transfer-out Fee	150.00 plus cost
Interest Discharge	30.00 plus cost
Quick Loan Setup Fee	25.00
Letter of Recommendation	25.00
Line of Credit Renewal	$2,001-$15,000 - 20.00 $15,000+ - 50.00
FIL Admin Fee	1/4 of 1% of loan principal
Mortgage Renewal (Interest Rate)	No Charge
Amending Agreement/Extensions	25.00 plus cost
Cash Advance Waiver for grain security	No Charge
Commissioning and Notarizing Documents	No Charge for Members
(Non KCU related accounts)	10.00 for Non-Members
Analysis of Borrower	No Charge
Searches: GRC/Corp. Data/Bank of Canada/Cert. Of Status etc	10.00 plus cost
Incoming Credit Checks	No Charge
Production Contract	No Charge
NSF Charge-back to Loan	20.00
Garnishee and Demand Processing	25.00

Effective March 1, 2006

Please note:
Clubs and Organizations: 15 free debit items*

FEES
Personalized cheque orders	Cost
Cheques (encoded)	0.60
Cheques (non-encoded)	4.00
Cash Withdrawals	No Charge
Direct Payment Purchases	0.40
MasterCard Transactions	0.40
Internal Transfer (customer initiated at counter)	No Charge
Internal Transfer (telephone request)	2.00
Internal Transfer (automatic)	2.00
Deposits	No Charge

MISCELLANEOUS FEES
Bill Payments	1.50
Electronic Bill Payments	No Charge
NSF Return Item Fee	20.00
Return Item Fee (post-dated, etc.)	No Charge
Chargebacks	5.00
Overdraft phone calls or notes	No Charge
Overdraft Fee per item	5.00
Overdraft Interest Rate	Prime Plus 12 %
Stop Payment Order - complete	4.00
Stop Payment Order - partial	10.00
Stop Payment returned item	5.00
Certified Cheque (member request)	5.00
Certified Cheque (third-party request)	10.00
Manager's Trust Cheque (member)	5.00
Manager's Trust Cheque (non-member)	10.00
Statement provided monthly	No Charge
Mailing of Statement	No Charge
Item Sent for Collection	7.50
Item Received for Collection	7.50
Hold Funds Request	5.00
Phone Calls (inside Sask.)	3.00
Phone Calls (outside Sask.)	10.00
Accounts Closed within 60 days of opening	10.00
Bank Confirmation	20.00
Inactive Account Fee	No Charge
Trust Account Remittances	No Charge
Interest Earned/Paid Letter	5.00
Search of Records (per hour)	30.00
Paper Copies from Fiche	1.00
Interest & RRIF payments by cheque	3.00
MasterCard Photo Retrieval	Cost
Foreign Cash Orders	Cost
RRSP Transfer Out	25.00

TRAVELLERS CHEQUES
American Express	1% of purchase

WIRE TRANSFER FEES
Incoming from out-of-province Credit Union	10.00
Incoming from Canadian Bank	20.00
Incoming from Saskatchewan Credit Union	0.00
Outgoing to Saskatchewan Credit Union	8.00
Outgoing to out-of-province Credit Union	10.00
Outgoing to Canadian Bank	20.00
Outgoing to out-of-country	45.00
Incoming from out-of-country	20.00

ATM TRANSACTIONS
Kelvington Credit Union ATM Withdrawal	.50
Other CU or Bank ATM	1.00
Interac	1.50
Cirrus/Plus	2.50
Card Replacement (other than expiry)	2.00
Card Re-pinning	1.00
ATM Transaction Surcharge (non-CU)	1.50

SAFEKEEPING
Safekeeping	25.00 per year
Safety Deposit Boxes (varies with size)	29.00 to 100.00 per year
Forceful Entry of Safety Deposit Box	100.00+ cost of replacing door
New Key	12.50

NIGHT DEPOSIT
Night Deposit Bag Rental	20.00 per year rental (or option of buying at cost)
Night Deposit Plastic Bags	Cost

OTHER SERVICES
Photocopying per page	0.10 to 0.30
Fax per page - to send in province	2.00
- to send out of province	4.00
- to receive	1.00