Schedule of Fees

       Research $ 10.00 Per 1/2 Hour  
       Copies from Film $1.00 each document  
       Balancing Assistance- Current Month No Charge  
       Balancing Assistance- Prior Month(s) $ 15.00 Each  
       ATM Use $1.75 Foreign ATM Use  
       ATM Balance Inquiries $1.00 per foreign Inquiry  
       Point of Sales (P.O.S.) $.50 Each  
       Visa check card replacements $10.00  
       Image Check copies after two $1.00  
       Image statement request $10.00  
       Overdraft $27.50 Per check  
       Continuous Overdrafts after third day $3.00 for each 3 days  
       Check Orders Determined By Order  
       Return Check $27.50 per check  
       Returned Deposited item $5.00 Per item  
       Stop Payment $27.50 per Check  
       Checking Dormant Fee (after 365 days) $ 5.00 On Balances Under $25.00  
       Savings Dormant Fee (after 365 days) $ 5.00 On Balances Under $25.00  
Official Checks            
       Cashier Checks (Customers) $2.50  
       Money Orders (Customers) $2.50  
Wire Transfers            
       Wire Transfer $20.00  Outgoing Customer  
       Wire Transfers $65.00 Outgoing-International  
Collections            
       Coupon Collection (Customers) $ 1.00 Per Envelope  
       Coupon Collection (Non-Customers) $ 3.00 Per Envelope  
       Check Collection (Non-Customers) $ 20.00  
Miscellaneous            
       Monthly Fee for non-image
       statement accounts 		$10.00  
       Copies $.25 Each  
       Notary Service (Non-Customers) $5.00  
       Fax (Customers) $ 1.00 Per Page  
       Fax (Non-Customers) $ 5.00 Per Page  
       Travelers Checks $ 1.00 Per $100.00  
       Two Signature Travelers Checks $ 1.50 Per $100.00  
       Safe Deposit Boxes (Customers Only) Priced By Size   
       Late Fee Safe Deposit Box $5.00 Late Notice  
INTERNET BANKING            
       ACH Files for originators         $15.00 per file  
       ACH transactions         $ .10 per item  
       ACH returns         $3.00 per item  
      External Transfers Outbound $2.00
      External Transfers Inbound No Charge