Fee Schedule

Effective February 22, 2010

Fee Type

Amount

Account Research/Reconciliation	$25 per hour
Inactive Account (inactive after 12 months)	$5 per month
Statement/Activity Copy (other than current month)	$5 per month
Photo Copy	$1 per copy
Local Fax	$1 per page
Long Distance Fax	$3 per page
Overnight Letter	$20
Item Collection	$25
Domestic Wire Transfer (outgoing)	$15
International Wire Transfer (outgoing)	$40
Certified Check	$5
Money Order	$2
Travelers Cheques	Free
Travelers Cheques (dual signature)	$1 per hundred
Gift Cheques	$2
Garnishment/Levy Processing	$30

Share Draft/Checking Accounts
Classic Checking
- Excess Check Charge	Unlimited
- ATM Usage	$1 after 6 per month

Direct Connect Checking
- Monthly Service Charge	$4*
- Excess Check Charge	$1 over 3**
- ATM Usage	Unlimited

Campus Checking
- Excess Check Charge	$1 over 3**
- ATM Usage	$1 after 6 per month

Legacy Checking
- Excess Check Charge	Unlimited
- ATM Usage	$1 after 10 per month

Checking Plus Extras Added to Any Account	$5 per month

Money Market Account
- Monthly Service Charge	$5
- Minimum Balance to Avoid Service Charge	$2,500
- Excessive Withdrawal Fee	$5 after 6/month

High Yield Share Account
- Monthly Service Charge	$3
- Minimum Balance to Avoid Service Chareg	$500
- Excessive Withdrawal Fee	$1 after 3/month

Return Guard Courtesy Overdraft	$30
Check Copy (fax)	$5
Counter Check	$3 per sheet
Deposit Return Item	$20
NSF/UCF	$30
Non Member ATM Transaction	$2
Stop Payment	$30
Overdraft Transfer from Shares	$3
ATM/Debit Card Replacement	$5
ATM/Debit Card Replacement (Rush)	$45

VISA Cards
Late Fee	$30
Return Payment Fee	$30
Return Letter Check Fee	$30
Replacement Card - Rush Order	$45

VISA Gift Cards
Purchase - in office	$3
Purchase over the Internet	$6
Replacement Fee	$5
Monthly Maintenance after 12 months	$3
Cash Advance	$2

Safe Deposit Boxes
Small (3X10)	annually $25
Medium (5X10)	annually $50
Large (10X10)	annually $75
Safe Deposit Box Drilling Fee	$125
Missed Appointment for Drilling	$55

* - Monthly service charge is waived if $500 average daily balance is maintained or $2,500 aggregate balance in deposits.

** - Unlimited check writing if $1,000 aggregate laon balance maintained.

The fees appearing in this schedule are accurate and effective for accounts as of February 22, 2010. If you have any questions or require current rate and fee information on your accounts, please call 678-486-1111.