Effective September 1, 2010

Returned Deposited Items	$20.00
Non-sufficient funds (NSF)* item	$27.00 each
Courtesy Pay (each)	$27.00 each
Account Research	$20.00 per hour
Statement Copies	$1.00 per page
Account Balancing Assistance	$20.00 per hour
Official Check	$1.00
Stop Payment	$20.00 each
Domestic Wire Transfer	$15.00
Foreign Wire Transfer	$35.00
ATM/Debit Replacement	$5.00
Rush ATM/Debit Replacement Card	$40.00
Levy/Summons	$25.00
Copy of Draft	$3.00 per item
Bill payment	FREE

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, ACH withdrawal or other electronic means.

Dormant Account

An account is considered dormant if for 12 months or more no withdrawal or deposits, other than credited dividends, have been made to the account and we have received no communication from you about the account. The fee for a dormant account is $5.00 per month (certain exclusions apply).

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