Service Charges

Effective May 20, 2010

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   $10.00 # $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 Each overdraft privilege (AOD) Maximum daily overdraft privilege (AOD) Auto transfer to cover overdraft (exact amount)

$25.00 # $100.00 # $30.00 $25.00 # $100.00 # $10.00 #

Wire Transfers Incoming Domestic Outgoing Foreign Automated Foreign Wires

$10.00 # $20.00 # $40.00 $55.00

Collection Fees Incoming Outgoing

$20.00 # $5.00

Escrow Accounts Initial set-up fee Yearly fee

$50.00 $60.00 ($5.00/month)

Fax Outgoing - per sheet Incoming - per sheet

$2.50 $0.50

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

Personaized savings deposit/withdrawal slips Interest coupon deposit Lost loan payment book Notary fee Security/stock sales or purchase 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 NSF Loan Payment (each occurence) Garnishments/levies (each occurrence) *Check printing *Money orders *Cashier's checks *Telephone transfers (live) *Stop payments - each Stop payment renewal fee - each Gift Card

$5.00 $30.00 per envelope $5.00 $1.00 $30.00 Plus broker fees $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 $25.00 # (per item) $25.00 # $50.00 Depends on style of check ordered $2.00 $5.00 $2.00 $25.00 10.00 # $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