Schedule of Fees Effective November 16, 2007
Account Research $15.00 per hour $5.00 minimum ATM Withdrawals at any STAR® or Cirrus® No charge* American Express Travelers Cheques 1% of purchase American Express Travelers Cheques for Two 1.5% of purchase Cashier's Check payable to Accountholder No charge Cashier's Check payable to third party $3.00 Check Printing Charges Varies by style Collection of foreign item Varies Copy of Accountholder Check $3.00 Copy of Deposited Item $5.00 Copy of previously issued account statement $3.00 Excess Withdrawal - Money Market/Savings Account  $15.00 per item  Funds Transfer   - Incoming - standard No Charge - Outgoing - standard & Pay People $3.50 - Incoming/Outgoing - premium (next day) $7.50 Historical Statement, Check & Deposit Image viewing No Charge Insufficient Funds $15.00 per item Monthly Service Charge,if balance falls below minimum any day during statement cycle, all checking and money market $5.00 Monthly Service Charge, if balance falls below minimum any day during statement cycle, all savings except Premier Savings $.75 Negative Account balance $5.00 PC Internet Banking Access No access charge PC Internet Banking Bill Payer Service No Charge (Regular & Money Market Checking accounts $5.95 per month up to 10 payments, $0.40 each additional payment) Returned Deposited Item $10.00 Statement Reconciliation $15.00 per hour $5.00 minimum Stop Payment Order, accountholder check $7.50 Stop Payment Order, Cashier's check $10.00 Stop Payment Order, Visa preauthorized payment $25.00 Wire Transfer - Incoming No charge - Outgoing - domestic destination $15.00 - Outgoing - international (U.S. Currency) $32.00 - Outgoing - international (Foreign Currency) $47.00
All fees are subject to change. You will be notified 30 days in advance of any change in fees. Read in conjunction with "Deposit Rates", " Account Portfolio", "Deposit Account Rules and Regulations", and other materials for complete disclosure.
* Other Banks may charge a fee called a "surcharge" for the use of their ATM.

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last updated 05/05/2008 lmm
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