Operating Fee Schedule for FY 2009

Dear Board of Directors: 

In March 2009, you will receive an invoice from NCUA for your 2009 operating fee and, if
required, for the amount needed to adjust your National Credit Union Share Insurance Fund
(NCUSIF) capitalization deposit to one percent of insured shares. The operating fee and the
capitalization deposit adjustment will be based upon the assets and the insured shares,
respectively, that you report as of December 31, 2008. Your combined payment will be due no
later than Wednesday, April 15, 2009. 

For natural person federal credit unions, there are changes with the operating fee scale. The
2009 assessment rate has increased by 6.77 percent from the 2008 rate. This change is
primarily due to revising the risk based examination schedule to a 12-month program. In
addition, the asset level dividing points (rate bracket categories) will be increased by 6.50
percent. These amounts are adjusted each year by the same percentage as the projected
federal credit union asset growth in order to preserve the relationship of the scale to the asset
base. 

For corporate credit unions, the same operating fee scale as the prior year will remain in effect.
The scales are printed on the back of this letter. 

If you have any questions regarding this letter, please contact the Office of the Chief Financial
Officer at (703) 518-6570.