Shares	Fees	Loans	Home Equity

DISCLOSURE OF FEES AND CHARGES
Effective Date: 03/01/2010

TYPE OF FEE	REGULAR FEE	FREQUENCY
Copy of Share Draft	$3.00	Per Draft
Share Draft Stop Payment Fee	$25.00	Per Draft or ACH debit or ATM W/D
Official Check Stop Payment Fee (Only if check is lost or stolen)	$20.00	Per Check
NSF Fee	$25.00	Per Draft or ACH debit or ATM W/D
Share Draft Account Reconciliation Fee	(1st time free) $20.00 $20.00	Per Incident
NSF Deposited/Cashed Check	$20.00	Per Check
Official Check	$1.50	Per Check
Overdraft from Savings Fee	$3.00	Per Transfer
Copy of Statement	$1.00	Per Statement
Account Printout	$.50	Per Printout
Money Order	$1.25	Per Item
Bank Wires Outgoing	USA $15.00 International $30.00	Per Wire
Visa Check Card Replacement Fee	$10.00	Per Card
Visa Check Card PIN reminder Fee	$5.00	Per Request
ATM Transaction Fee	$1.00	Per Transaction
Loan Refinance Fee (no fee with minimum $1000.00 advance)	$50.00	Per Loan
Account Closure Fee	$5.00	If account is closed within six months of opening.
Inactive Account Fee	$5.00	Per month if account is inactive for one year and balance is below $50
Foreign Check Collection Fee	$5.00	Per Check