Commercial Checking Account

Service Charge Schedule

(Effective February 1, 2007)

• Commercial Monthly Maintenance Fee ……………….…………...$6.00
• Deposits ………………………………………………………….........$  .15 each
• Withdrawals ………………………………………………………...... $  .15 each
• Local Items …………………………….………………………….......$  .05 each
• Non-local items……………………….………………………............ $  .07 each
  Subtotal of Charges ………………………………..  ______
  Less Balance Credit*..……………………………..  ______
  Total Monthly Service Charge (if any) ……………  _______
  

*The balance credit will be based on the average 91-day Treasury Bill rate for the current month and will be calculated on the average collected balance less a 10% reserve requirement.

Funds Availability Schedule

• On Us Checks…….…………... Immediate
• Local Items ……........................ 1 Day
• Government Checks …….…....1 Day
• Non-local items ……………… 2 Days

Deposit Bags

• Zipper Deposit Bag ………….  $  3.00
• Locked Deposit Bag ..……….. $15.00  (Includes 2 keys)

(Includes 2 keys)

Commercial HI-FI Money Market Account*

Service Charge Schedule

(Effective February 1, 2007)

• Deposits   ……………………………………………………… $    .15 each
• Local Items ………………….…………………………………  $    .05 each
• Non-local Items …………………….………………………....  $    .07 each
• Below Minimum Balance of $2,500.….……………………    $10.00/month

* This account allows 6 pre-authorized transfers per statement cycle, three of which can be made by check. If over the maximum allowed, there will be a fee of $5.00 per debit. If more transfers are needed, the account must be transferred to a commercial checking account.

Commercial Internet Banking

• Small Business Internet Banking..………………………….....$10.00/month
• Internet Banking ……….………………………………...............$25.00/month
  Per ACH item …………………………...…………………….......$   .09