Other Terms, Explanations, ETC.

Fees - The following charges may be assessed against your account:

$ 30.00 NSF Paid Item Fee \ Item (Checking Accounts Only)

$ 30.00 NSF Returned Item Fee \ Item (Checking Accounts Only)

$ 28.00 Stop Payment \ Request (Checking Accounts Only)

$ 5.00 Excess Withdrawal Fee \ Per Withdrawal After 3 per Quarter (Savings Accounts Only)

$ 20.00 Wire Transfer Fee In or Out - Customers

$ 50.00 Wire Transfers (International)

$ 4.99 Bill Pay (Per Month) for first 15 transactions and .50 per transaction after 15

$ 3.00 Money Orders \ Per Money Order
       $ 50.00 Garnishments
       $ 50.00 Levy

$ 2.00 Account Activity Printout

$ 25.00/ hr Research Time / Statement Reconciliation

$ 25.00 Collection Fee \ Per Outgoing and Incoming Collection

$ 5.00 Reproduced Statements \ Per Statement

$ 2.00 Non-Tippins Bank ATM Usage

$ 9.00 Safe Deposit Box - 3x5 \ Annual Fee

$ 18.00 Safe Deposit Box - 5x5 \ Annual Fee

$ 22.00 Safe Deposit Box - 3x10 \ Annual Fee

$ 30.00 Safe Deposit Box - 5x10 \ Annual Fee

$ 55.00 Safe Deposit Box - lOxlO \ Annual Fee

$ 28.00 Draft Authority Revoked \ Per Draft

$ 25.00 Night Deposit Bags \ Per Bag

$ 1.00 Fax Service \ Per Page

$ 5.00 VISA Check Card Replacement

$ 1.00 Returned Items

$ 2.00 Instant Statement

$ 10.00 Early Account Closure (90 days)

A dormant account fee of $5.00 will be charged each month if for one year (previous) there is no activity or other indication in writing from you of an interest in this account.

Check Printing charge based on style and quantity of checks ordered.