FEES & CHARGES

EFFECTIVE 08/01/2006

SHARE WITHDRAWAL $5.00 (3rd and subsequent times)
CHRISTMAS CLUB WITHDRAWAL $5.00 (2nd and subsequent times)
PRINT-OUT PER PAGE FOR HISTORIES $1.00
ONE PAGE OF COUNTER CHECKS $2.50
AUTOMATIC TRANSFER FROM
SHARE TO SHARE DRAFT TO
COVER OVERDRAFTS
$2.00
NON-SUFFICIENT FUNDS
(Returned Checks)
$25.00
OVERDRAFT PRIVILEGE $25.00
RETURNED ITEMS $25.00
STOP PAYMENT ORDER $25.00
ATM TRANSACTIONS $1.00
FEE FOR NSF CHECK DEPOSITED
OR CASHED HERE
$25.00
AUTOMOBILE TITLE APPLICATION FEE $16.50
LOAN ADD ON OR REFINANCE FEE $15.00
FEE FOR COPY OF A PAID DRAFT $3.00
STATEMENT COPY $5.00
REOPEN ACCOUNT FEE $5.00 (1st time)
REOPEN ACCOUNT FEE $20.00 (2nd and subssequent times)
WIRE IN AND OUT FEE $10.00
DEBIT CARDS $0.00
MONEY MARKET WITHDRAWAL FEE

$10.00 (4th and subssequent times)

REPLACEMENT DEBIT OR ATM CARD $10.00
UCC1 $22.50
LATE LOAN FEE $10.00