Service Charges

Effective February 28, 2008

ITEM VISA/ATM Debit Card Replacement card Foreign ATM withdrawal Foreign ATM Transfer funds to another account Foreign ATM Balance inquiry *Foreign ATM is an ATM we do not own or operate

FEE   $6.00 $1.50 $0.50 $0.50

Research Fee Account research (first 15 minutes free) Account balancing assistance (first 15 minutes free)

$30.00/hour $20.00/hour

Copies *Photocopies Copies of imaged documents (two free per month) Copies of account statements

$0.25 each $0.50 each $3.00

Overdrafts Each overdraft paid or nonsufficient check (NSF) Maximum daily overdraft or nonsufficient check (NSF) Continuous overdraft after 10 days

$24.00 $96.00 $30.00

Wire Transfers Incoming Domestic Outgoing Foreign Automated Foreign Wires

$7.500 $15.00 $40.00 $55.00

Collection Fees Incoming Outgoing

$15.00 $5.00

Escrow Accounts Initial set-up fee Yearly fee

$50.00 $60.00 ($5.00/month)

Fax Outgoing Incoming

$2.50 per sheet $0.50 per sheet

Other Charges Excessive Withdrawal Fee-statement savings account

A charge of $.50 will be charged for each withdrawal on a statement savings account in excess of ten (10) per calendar month if made through a teller

Automatic transfer from checking or saving to cover NSF Interest coupon deposit Lost loan payment book Notary fee Security/stock sales or purchase Signature guarantee License sticker Change lock fee for safety deposit box Safe deposit box rental Safe deposit box drilling Night deposit bag – first bag free Small zipper bags – first bag free Cashed or deposited items returned unpaid (per item) Garnishments/levies (each occurrence) *Check printing *Money orders *Cashier's checks *Telephone transfers (live) *Stop payments - each Discover Gift Card

$6.00 $30.00 per envelope $5.00 $1.00 $30.00 Plus broker fees $5.00 $5.50 The amount charged by locksmith, + $20.00 Each location has their own charges The amount charged by locksmith, + $25.00 $20.00 $3.00 $5.00 $50.00 Depends on style of check ordered $2.00 $5.00 $2.00 $25.00 $3.00

Dormant account fees -Monthly Checking accts with no activity for 2 yrs Savings accts with no activity for 3 yrs

$5.00 Waived if balance is over $1,000.00 $5.00 Waived if balance is over $300.00