The following fees apply to all of your accounts with us:

IRS Levy: $50.00
Collection Service Fees: $15.00 per item
Garnishment: $50.00
Wire Transfer - International: $40.00
    (plus any charges which may come from our correspondent bank)
Wire Transfer - Domestic:

	Incoming	-	customers:	$15.00
			non-customers:	$20.00
	Outgoing	-	customers:	$20.00
			non-customers:	$35.00

The following fees apply to all of your accounts with us except Certificates of Deposit:

Telephone Funds Transfer: $10.00
Statement Copies: $10.00
Deposited Item Returned: $10.00 per item

The following fee applies to Checking and NOW Accounts:

Copies of Checks: $3.00

The following fees apply to Checking, NOW and Money Market Accounts:

Returned Check Fee (When item is NOT paid against account): $28.00
Overdraft Fee (When item is paid against account): $28.00
Stop Payments $20.00

The following fees apply to Checking, NOW and Time Deposit Accounts:

ATM Transactions (Non-Pulse Terminals): $1.50
ATM Transactions (non-SBV Terminals): $1.50
ATM Replacement Card: $8.00
ATM Transactions (SBV Terminals): No Charge

Account Investigation/Research/Reconciliation Service: $30.00 per hour ($15.00 minimum)

Miscellaneous Fees, Charges and Misc. Services

Fax Services:
Sending - $1.50 First page ($.50 per additional page)
Receiving - $ .25 per page
Treasury Security Purchases: $55.00

Official Checks
Cashier's Checks: $5.00
Certified Checks: $15.00
Personal Money Order: $3.00

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