Fee Schedule (effective January 28, 2008)

Service
Fee
Account Research & Reconcilement $ 30.00/hr
Advantage Share Draft Account ATM Withdrawals - Easy Street $ FREE for up to 10/month, $1.00 each over 10
Advantage Share Draft Account Service Charge $ 5.00/month - No service charge if $500 aggregate balance
American Express Gift Checks $ 2.50 per $100
American Express Traveler's Cheques $ 1.00 per $100
American Express Traveler's Cheques for Two $ 2.25 per $100
ATM Deposit (designated ATMs only) $ 1.50 each
ATM Inquiry $ 0.50 each
ATM PLUS Network (inquiries,transfers,withdrawals) $ 2.00 each
ATM Transfer $ 0.75 each
ATM/Debit Card Replacement $ 5.00
Basic Share Draft Account ATM withdrawals - Easy Street $ FREE for up to 5/month, $1.00 each over 5
Basic Share Draft Account Service Charge $ FREE
Cashiers Check - Member $ 2.00
Cashiers Check - Non-member (member check exchange) $ 10.00
Consumer Loan Late Payment $ 15.00 or 5% of loan payment (whichever is more)
Counter Checks $ 10.00/page
Deposited Check Returned $ 15.00
Dormant/Inactive Account $ 5.00/yr
Flex Money Market $ FREE Up to 6 transactions monthly, $5.00 each for over 6
Money Orders $ 1.00
Mortgage Loan Late Payment $ 15.00 or 5% of loan payment (whichever is more)
Non-Sufficient Item Return (i.e., check, ACH, electronic, etc.) $ 25.00
Overdraft Privilege - Pre-approved Non-interest Advance Limit $ 30.00/item
Overdraft Protection - Shares, LOC $ FREE
Pace 55 Seniors Account $ FREE
Personal Branch Internet Access $ FREE
Re-Open Share Account within 90 days of Closure $ 20.00
Share Draft Copies $ 2.00/draft
Skip Loan Payment $ 30.00
STARS Audio Response Access $ FREE
Statement Copies $ 5.00/page
Stop Payment $ 25.00
Unclaimed Property $ 20.00/yr
Verification of Deposit $ 20.00
Visa Account Related Requests $ $5.00 each
Visa Card Lost Replacement $ 5.00/yr first time, $15.00/yr after
Visa Late Charge $ 10.00
Visa Over-Limit $ 15.00
Wire Transfer - incoming & outgoing domestic $ 15.00/wire
Wire Transfer - International $ 50.00/wire

NOTE: Fees are subject to change without notice