Common Fee Schedule
Effective June 28th, 2006


Fees
Automated Teller Machines(ATM) Transactions
Monthly Cash Card Fee $1.50
ATM owned by First National Bank Free
ATM owned by others $.50 per transaction
Bank Instruments and Services
Amortization Schedule $5.00
Cashiers Checks $3.00
Certified Checks $15.00
Counter Check Limited to 3
Collections (incoming </=$100.00) $10.00+payer bank
Collections (incoming >$100.00) $20.00+payer bank
Collections (outgoing) No Charge
Collections (outgoing international) Payer bank fee
Coupons $20.00/envelope
Foreign Currency Payer bank fee
Money Orders $1.00
Safe Deposit Boxes Prices Vary
Travel Cards / Gift Cards $7.95 / $4.99
Check Cashing (Non-Customer) $5.00 / $100.00
Loose coin counting 10% Non-Customer
Levies $25.00
Fax Transmissions
Outgoing $1.00 / page
Incoming $1.00 / page up to 5 pages
Locked Annual Rent Night Deposit Bags
First Bag $15.00
Additional Bag $5.00/bag
Notary Service
Customer Free
Non Customer $5.00
Fees for your Account
Account Closure (if opened within last 30 days) $10.00
Overdraft/NSF Fees $20.00/item; $80 daily maximum
Ready Reserve Advance Fee $3.00/advance
Ready Transfer Advance Fee $2.00/advance
Research $15.00/hr
Return Check Fee $20.00
Statement Copy $1.00/statement
Stop Payment $20.00
Commercial Chargeback $5.00
Statement Reconciliation
First Time FREE
Additional $15.00/hr
Replacement Costs
   Lost Key $10.00
   Lost Certificate $10.00
   Replacement PIN # $2.00
   Lost Credit Card $10.00
   Lost Instant Cash and Check Card $10.00
Securities
   Securities Correspondent Fees
VISA Card
Annual Fee None
Late Payment $10.00
Temporary Increase $10.00/increase
Over the Limit Fee $20.00
Return Check Fee $20.00
Wire Transfers
   In (Customer) No Charge
   In (Non-Customer) $10.00
   Out (Customer) $20.00
   Out (Non-Customer) $25.00
   Foreign $35.00