OVERDRAFT/NON-SUFFICIENT FUNDS/ODP $25.00 per item STOP PAYMENT $25.00 per item PERSONAL DRAFTS priced by style DRAFT PHOTOCOPY $3.50 per item ACCOUNT RECONCILIATION/RESEARCH $35.00 per hour COPY OF STATEMENT(S) $1.00 per page RETURN OF DEPOSITED ITEM $25.00 per item WIRE TRANSFER (OUTGOING) $15.00 per wire WIRE TRANSFER (OUTGOING INTERNATIONAL) $25.00 per wire MONEY ORDERS $1.00 per item LEGAL PROCESS $45.00 per occurence TWO-SIGNATURE TRAVELERS CHECKS $0.50 per $100.00 REINSTATE CLOSED SHARE DRAFT ACCOUNT $35.00 per account OVERDRAFT PROTECTION TRANSFER $3.00 per transfer VSI UNSURANCE $70.00 per vehicle loan MORTGAGE APPLICATION FEE $75.00 per loan FAX TO AN OUT-OF-AREA NUMBER $1.00 per page GAP INSURANCE (see loan officer) per collateral LOAN LIFE PROTECTION INSURANCE (see loan officer) per loan amount CDI INSURANCE (see loan officer) per loan amount

Inactive Fee: $5.00 per month after 1 year of no activity and combined account balances are less than $500.00 with no active loans or active safe deposit box (DOES NOT APPLY TO Little Peoples Club ACCOUNTS) the account will be closed when it reaches a zero balance. Faxed Verification of Deposit: $20.00 Bad Address / Undeliverable Mail: $5.00 per month Account closing within 90 days of opening:$10.00 Cashiers check one FREE per day each additional check: $5.00 Foreign Item Collection: $25.00   Check by Phone: $6.00

SAFE DEPOSIT BOXES ANNUAL FEE 3X5 $10.00 5X5 $17.00 3X10 $20.00 5X10 $32.00 CHANGE LOCKS $100.00 DRILL BOX $100.00 annual billing June 1 through May 31