Effective June 1, 2008

Deposited checks (and other items) returned unpaid	$15.00
Nonsufficient funds (NSF)* item	$25.00 each
Courtesy Pay (each)	$25.00 each
Account research	$10.00 per hour
Statement copies	$.50 per page
Account balancing assistance	$10.00 per hour
Official check	$1.00
Stop payment (share draft)	$15.00 per item
Stop payment (official check)	$15.00 per item
Domestic wire transfer	$10.00
Foreign wire transfer	$35.00
ATM/Debit card replacement	$5.00
Rush replacement card	$20.00
Levy/Summons	$20.00
Copy of draft	$1.50 per item
Faxed copy of draft	$3.50 per item
Bill payment	FREE
Dormant account**	$5.00 per month

Foreign Check Deposits - Items drawn on foreign financial institutions that you present to us for deposit will be sent for collection. The funds will not be credited to your account until we receive the collected funds. This may take four to eight weeks. You are responsible for all fees and charges that we incur during the collection process. The amount of these fees and charges vary.

*The categories of transactions for which an overdraft fee may be imposed are those by any of the following means: share draft, in-person withdrawal, ATM withdrawal, or other electronic means.

**An account is considered dormant if for 12 months or more no withdrawals or deposits, other than credited dividends, have been made to the account and we have received no communication from you about the account.

Early Closing Penalties for Certificates (Including IRAs)
91 Days	Equal to all dividends earned
92 Days -1 Year	Up to 90 days of dividends earned
Over 1 Year	Up to 180 days of dividends earned