| ATM/Debit Card, Consumer Loans and MasterCard® Accounts |
| Effective Date: March 01, 2008 |
| Items | Fees & Charges |
| Card replacement (MasterCard/Gold MasterCard, ATM/Debit Card) |
$12.00 |
| Card replacement RUSH (MasterCard/Gold MasterCard, ATM/Debit Card) |
$25.00 |
| Consumer loan late fee |
$10.00 |
| Copy of sales slip (MasterCard or ATM/Debit Card) |
$10.00 |
| MasterCard convenience checks returned check fee |
$15.00 |
| Gold MasterCard convenience checks check photocopy fee |
$10.00 |
| MasterCard convenience checks stop payment check fee |
$15.00 |
| Home equity annual fee |
$45.00 |
| MasterCard cash advance (other institutions may charge a fee) |
FREE |
| MasterCard late fee |
$10.00 |
| MasterCard over limit Fee |
$10.00 |
| Real estate demand/forwarding fee |
$30.00 |
| Real estate reconveyance fee |
$45.00 |
| Real estate loan modification fee |
$500.00 |
| Real estate subordination fee |
$250.00 |
| Reissue (PIN) (MasterCard, ATM/ Debit Card) |
$10.00 |
| Temporary ATM/Debit Card (ATM use only) |
$12.00 |
| Travelers Cheques and Gift Cards |
| American Express Travelers Cheques |
1% |
| American Express Gift Cheques |
$1.25 per item plus 1% |
| American Express Travelers Cheques for Two |
1.5% |
| American Express Gift Card |
$3.95 |
