Two questions: 1. Would we be able to assess a collection or charge-off fee and add it to the balance when we close an account with a negative balance that may or may not contain fees related to overdrafts/NSF items (fees to collect fees)? 2. If so, is this a fee that should be disclosed on an “Other Fees” schedule where we typically disclose things like overdraft fees, statement copy fees, etc.? Is there anything else that I'm not thinking about - such as UDAAP? Thanks!

1. Allowable fees are a State law issue.

2. Assessing undisclosed fees are never a good idea.

Thank you!