SCHEDULE OF MEMBER FEES

SHARE ACCOUNT FEES:

Membership Share . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $5.00 par value

Membership Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1.00 per new member

Minimum Required to Open Share Account . . . . . . . . . . . . . . . . . . . . . .$50.00

Share Balance Below Minimum ($50.00) . . . . . . . . . . . . . . . . . . . . . . . .$2.00 per month

Share Accounts closed within 30 days of opening date . . . . . . . . . . . . . $50.00

Share Accounts re-established within 90 days of closing . . . . . . . . . . . .$25.00

Excessive Share Withdrawal Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $0.50 per withdrawal

        (More than 6 withdrawals within a one month period)

Minimum Required to Open Kids Account . . . . . . . . . . . . . . . . . . . . . . $25.00

SHARE DRAFT ACCOUNT FEES:

Checking account has no minimum balance or service fees.

Minimum Required to Open Share-Draft Account . . . . . . . . . . . . . . . . .$50.00

Debit Card (with both share & share-draft accounts) . . . . . . . . . . . . . . .FREE for 1^st card

Debit Card Reissue Pin Mailer/Reference Code . . . . . . . . . . . . . . . . . . .$5.00

Debit Card Reissue Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$12.00

Debit Card Force Post NSF Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $25.00

ATM Surcharge Fee (for non-First Hawaiian Bank ATMs) . . . . . . . . . .$1.00 per transaction

Share-Draft Reorder Charge . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  At cost

Stop Payment Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$20.00 per request

Deposited Item Return Fee . . . . .  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $25.00 per item

Share-Draft NSF Post Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $25.00 per item

Share-Draft NSF Return Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $25.00 per item

Share-Draft NSF Transfer Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $15.00 per transfer

Substitute Share-Draft Copy Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $5.00 per item

ACH NSF Post Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$25.00 per item

ACH NSF Return Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$25.00 per item

ACH NSF Transfer Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $15.00 per transfer

Bill Payment Negative Post Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$25.00 per item

OTHER SERVICE FEES:

Member Telephone Request Transfer Fee . . . . . . . . . . . . . . . . . . . . . . . $15.00 per transfer

Duplicate Statement Copy Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$5.00 each

Account Printout Request Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $2.00 per account

Account Research Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $10.00 per half hour

Credit Union Check Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $5.00 each

Amex Gift Check Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $2.50 each

Travelers Check Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1% of transaction (waived

          with direct deposit)

Dual Signature Travelers Checks . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1% of transaction amount

Dormant Account Fee (1 year of inactivity) . . . . . . . . . . . . . . . . . . . . . .$5.00 per year

Non-Current Address . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $5.00 per month

Domestic Wire Transfer Outgoing Fee . . . . . . . . . . . . . . . . . . . . . . . . . .$25.00 per transfer

International Wire Transfer Less than $5,000.00 Outgoing Fee . . . . . . .$35.00 per transfer

International Wire Transfer $5,000.00 or Greater Outgoing Fee . . . . . . $50.00 per transfer

Domestic FAX . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$1.00 per page

Xerox Copy Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$1.00 per page

VISA Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $12.50 per year

Legal Process Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$25.00 per service

Bill Payer Service Fee. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$6.00 per month/unlimited

Money First Transfer Outgoing Fee  (In Local Currency Dollars). . . . . .$7.50 per transfer

Money First Transfer Outgoing Fee  (In US Dollars) .. . . . . . . . . . . . . . .$9.50 per transfer

*Maximum of $3000.00 cash withdrawal, per member, per day.  The balance to be paid in the form of a Hawaii First Federal Credit Union check.  If the on-line computer system is off-line, withdrawals (cash or checks) to $100.00 per member of good standing, determined on a case by case basis.

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