Fee Schedule
*effective Jan. 1st, 2009

FEE SCHEDULE	Fee	Minimum
Membership	$1	$50
Share Draft Checking Accounts
Personal Premier Image	$10
Business Premier Share Draft	$5
Business Premier Image Account	$15
Organization Premier Image	$10
NSF Return Fee	$18
Business NSF Return Fee	$25
NSF Non-return	$18
Business NSF Non-return	$25
Stop Payment	$15
Negative Balance Fee (per occurrence)	$10
Inactive accounts (after 6 months) per month	$5
Passbook Share Savings below Minimum	$5
Inactive share draft checking (after 6 months) per month	$5
Inactive share savings (after 30 months) per month	$10
Excessive Withdrawals-over 6 per m. & occurrence	$5
Account closure (within 6 months)	$25
Money Market below Minimum	$5	$500
MM Excessive Withdrawals-over 3 per m. & occurrence	$5
Money Market NSF Return Fee	$20
“Mitten Club” Youth Savings Account closure (within 6 month)	$25
Retirement Accounts - Account closure	$25
Visa Gold Card Over-the-limit	$20
Visa Gold Card Returned Check	$20
Visa Gold Card Card Replacement	$15
Visa Gold Card Rush delivery	$35
Check Card ATM withdrawals (over 10 per m.)	$2
Rush delivery	$35
Returned Deposited Item (Personal)	$18
Returned Deposited Item (Business)	$25
Stop payment: Official Checks	$25
Account reconciliation: per hour	$35
Account research: per hour	$25
Typed account verification	$1
Statement Copy	$1
Check Copy	$3
Item sent for collection	$20
Wire Transfer fee (outgoing) Domestic	$15
Wire Transfer fee (outgoing) International	$35
Wire Transfer fee (incoming)	$5
Official Check	$1
Money Order	$1
Travelers Checks (waived if 2+ services)	1%
Legal Process	$35
Protest Fee	$35
Returned Mail Process	$5
Passbook replacement	$2
Notary Service - NY State: from	$1
Notary Service - CA State: from	$5
Document Translation: from	$25
Copies: per page	$0.20
Fax: per page	$2

LATE PAYMENT FEES	Minimum
Consumer Loans	$20
Visa Gold Credit Card	$25
Commercial Loans 6% of payment	$50
1st Mortgages 4% of payment	$20
2nd Mortgages 4% of payment	$20
Adjustable Mortgages 5% of payment	$20
HELOC 10% of interest due	$20
LOC ODP20% of interest due	$20

*effective Jan. 1st, 2009
Fees subject to change without notice
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Fee Schedule *effective Jan. 1st, 2009

Fee Schedule
*effective Jan. 1st, 2009