Retail Service	Fee
NSF/Overdraft Fees	$25.00
Stop Payment Fee	$10.00
Wire Transfer	$15.00
Wire Transfer – Foreign	$45.00
Visa Card	Fee
Late Payment	$25.00
Over-Credit Limit	$25.00
Replace debit card	$5.00
Replace visa credit card	$10.00

New/Revised Products	Open Balance	Minimum Balance
Share Savings*	$100.00	$100.00
$5.00 Fee for Below Minimum
CDSimple/Up to 5-Years	$500.00	$500.00
$25.00 Penalty for Early Withdrawal
Free Checking	$5.00	$0.00
Direct/Payroll Deposit
Effective 02-11-08
*$100.00 is the membership requirement and must be maintained