Fee Schedule

(As of 09/01/07)

Checking Account Fees

                                              Insufficient Funds Fee                           $30.00  per item

                                             Courtesy Fee                                        $10.00

                                             Funds Transfer Fee                                 $5.00

                                             Uncollected Funds Fee                          $30.00

                                             Stopped Check Fees-Key Bank            $32.00

                                             Stopped Checks-Empire                        $30.00

                                             Returned Checks-Key Bank                   $33.00

Electronic Fund Transfer Fees

                                   ACH/Debit Cards Insufficient Funds                 $30.00

                                   Excess Transfer Fee (1st 6 free each month)       $5.00

                                   Courtesy Fee                                                   $10.00

Other Service Fees

                                  Membership Fee                                                $1.00

                                  Check Image Fee                                               $3.00  per item

                                  Inactive Account Fee (12 months)                      $5.00  per month

                                  Credit Card Late Fee                                       $15.00

                                  Copy of Monthly Statement                                $5.00

                                  Print Out of Activity                                            $1.00  per page

                                  Travelers Cheques - Single signature                   $1.00  per $100.00

                                                                Double signature                   $2.00  per $100.00

                                                                Gift Cheques                         $2.50  per Cheque

                                 Replacement Debit/Credit Cards                         $10.00

                                 Late Fee/Overdue Loans of 10 days or more       $15.00