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Effective June 1, 2006

The following fees may be assessed against your account and the following transaction limitations,
if any, applied to your account.

Share Account Fees
Regular Share
Excess Withdrawal Fee:
if more than five (5) withdrawals per quarter.
$ 5.00 per withdrawal
Share Draft Account Fees
Overdraft Fee: $5.00 per item
NSF Fee: $ 25.00 per item (effective 9/1/04))
Stop Payment Fee: $15.00 per request
Share Draft Printing Fee: Prices may vary depending upon style
Regular Share Draft 
Minimum Balance Fee: None
Inactive Account Fee $5.00 per month after no activity for a period of 12 months
Statement Reproduction Fee $3.00 per request

Account History Fee

$3.00 per request
Statement Reconcilation Fee $10.00 per hour
Other Service Fees (applicable to all accounts)
Outgoing Wire Fee: $15.00 per transfer
Deposit Item Charge Back fee: $15.00 per item
ATM/Debit Card NSF Fee: $25.00 per item
ATM Withdrawal Fee:
if more than two (4) withdrawals per month
$1.00 per withdrawal
Bad Address Fee: $5.00
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