FEE SCHEDULE FOR COMMERCIAL CHECKING

Minimum deposit to open	$100
Per check deposited	$0.08
Per Debit	$0.15
Per Deposit	$0.15
Monthly Fee	$10

Account Analysis
Earnings credit will be calculated from the previous month's 91-day Treasury Bill auctions and credit will be given for the average collected balance against the service charges incurred.

When the average collected balance is a deficit, accounts will be charged using the Federal Reserve Discount plus 5% to determine the annual percentage rate.