| Schedule of Fees Effective November 16, 2007 |
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| 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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