Fee Disclosure

This disclosure contains information aboiut terms, fees, and interest rates for some of the accounts we offer.

MISCELLANEOUS FEES AND CHARGES

ATM
                  Non-Owned ATM Fee:    $1.00
                  Non-Customer ATM Fee:    $2.00
                  Replace Lost ATM Card:    $5.00

Cash Advance
                  Customer:     No Charge
                  Non-Customer:     4% / $10.00 Minimum

Cashier’s Checks
                  Customer:    $5.00
                  Non-Customer:  $10.00

Check Cashing
                  Non-Customer (Check not drawn on us):  5% - $20.00 Minimum
                  Non-Customer Govt. Check:    $5.00

Check Printing
                  Personalized Checks:  Charge per Selection
                  Temporary Checks:    $5.00

Collection Items
                  Customer – Incoming     $5.00
                  Non-Customer – Incoming:     $10.00
                  Customer – Outgoing:     $15.00
                  Non-Customer – Outgoing:     $20.00

Collections – Documentary/Envelope Drafts
                  Customer – Incoming/Outgoing:    $15.00
                  Non-Customer – Incoming/Outgoing:  $25.00

FAX Services
                  Customer – Incoming/Outgoing:     $1.00 per page
                  Non-Customer – Incoming/Outgoing:     $5.00 per page

Internet Banking
                  Bill Pay Service:     $0.00 per month

IRA
                  Transfer Fee:     $25.00
                  Self-Directed IRA – Set-up and Maintenance:     $75.00
                  Self-Directed IRA – Annual Fee:     $55.00

Legal Services
                  Complying with Garnishment:     $150.00
                  Complying with Legal Papers:     $25.00
                  Complying with Levies:     $25.00

Loose Coin Processing
                  Customer:     No Charge
                  Non-Customer:     10%

Miscellaneous
                  Account Activity Printout:     $2.00
                  Account Balancing Assistance:     $20.00 per hour / 2nd Time
                  Account Closed Within 30 Days:     $20.00
                  Amortization Schedules:     $3.00
                  Check Verification (Out of Town):     $5.00
                  Charge Backs (Deposited Items Returned):     $1.00
                  Dormant Account Fee:     $5.00 per month
                  Night Depository Bags:     $25.00
                  Overdraft Protection or Transfer:     $5.00
                  Photocopies:     $.50 per page
                  Special Statement Cutoff:     $5.00
                  Telephone Transfers:     $5.00

Overdraft Fee
                  Overdraft Fee:     $25.00

Prepaid Access Cards
                  Gift Card:     $6.95
                  Travel Card:     $9.95
                  Travel Card – Companion Card:     $2.95
                  Travel Card – Reload:     $4.95
                  Travel Card – Companion Card Reload:     $4.95

Research
                  Account Research:     $20.00 per hour
                  Microfilm/Microfiche Retrieval:     $2.00 per item plus $20.00 per hour
                  Customer Lookup of Paid Checks:     $2.00

Returned Item Fee
                  Returned Item Fee:     $25.00 per item

Safe Deposit Boxes Annual Fee
                  3” X 5”:       $15.00
                  4” X 5”:       $20.00
                  5” X 5”:       $25.00
                  3” X 10”:     $25.50
                  4” X 10”:     $30.00
                  5” X 10”:     $30.00
                  10” X 10”:   $50.00
                  Drilling of Box:     $100.00
                  Lost Key Replacement:     $20.00

Stop Payments
                  Stop Payments:     $25.00

Wire Transfers
                  Customer – Incoming:     No Charge
                  Non-Customer – Incoming:     $20.00
                  Customer – Outgoing Domestic:     $20.00
                  Customer – Outgoing International:     $50.00

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