| FEE SCHEDULE |
| Account Related Fees |
| Account inquiry fee:$0.50 each |
FREE (when using MARS or Internet Banking) |
| Account reconciliation fee |
$12.00 per hour |
| ACH insufficient funds fee |
$25.00 each |
| Balance less than par and no activity for 6 months. |
$15.00 |
| Balance inquiry: $0.50 each |
FREE (when using MARS or Internet Banking) |
| Check deposited returned unpaid fee |
$25.00 each |
| Closed account fee (less than six months) |
$5.00 each |
| Current month statement |
$1.00 each |
| Draft copy fee |
$2.00 each |
| Draft insufficient funds fee |
$25.00 each |
| Money Market Account below minimum balance fee |
$5.00 monthly |
| Money Market Account returned fee for exceeding withdrawal limitations |
$20.00 each |
| Overdraft transfer fee |
$1.00 each |
| Premier Account below minimum balance fee |
$6.00 monthly |
| Verification of Deposit |
$10 each |
| Returned mail fee |
$5.00 per statement |
| Share withdrawals in the lobby |
FREE (unlimited) |
| Statement copy (month to date) |
$1.00 each |
| Statement copy (any month except current) |
$1.50 each |
| Stop payment order fee |
$25.00 each |
| Transfers between accounts: $0.50 each |
FREE (when using MARS or Internet Banking) |
| ATM Related Fees |
| ATM card replacement |
$5.00 each |
| ATM fee assessed for each transaction at ATMs we don't own or operate |
$1.00 each |
| ATM/VISA CheckCard insufficient fund withdrawal fee |
$25.00 each |
| Wire Transfer Related Fees |
| Incoming wire transfer fee |
$2.50 each |
| Outgoing wire transfer fee - outside the U.S. |
$25.00 each |
| Outgoing wire transfer fee - within the U.S. |
$10.00 each |
| Western Union wire transfer fee - outside the U.S. and $500 or more |
3% of wire |
| Western Union wire transfer fee - outside the U.S. and under $500 |
$25.00 each |
| Western Union wire transfer fee - within the U.S. |
$15.00 each |
| Miscellaneous Service Fees |
| American Express Gift Cheques |
$2.50 each |
| American Express Traveler Cheques |
$0.75 on the first $100 then $0.50 on every $100 thereafter |
| Cashier's Check fee |
$3.00 each |
| Collection item fee |
$15.00 each |
| Legal process compliance fee |
$12.00 per hour plus reproduction expenses |
| Money Order fee |
$1.00 each |
| VISA CheckCard replacement fee |
$5.00 each |
