Effective August 1, 2010

SAVINGS & CHECKING

Minimum Initial Deposit - Savings	$25.00
Minimum Initial Deposit - Checking	$25.00
Minimum Initial Deposit - Business Checking	$100.00
Minimum Initial Deposit - Consumer Loan	$100.00
Incoming Wire Transfer Must accompany fax and/or phone notification.	$10.00
Overdraft Transfer	$5.00
Non-Sufficient Funds	$20.00
Returned Deposit or Loan Payment	$20.00 per item
Stop Payment Lost/Stolen Official Check, Checks/ACH Payments.	$25.00 per item
Stop Payment Cancellation	$25.00

ACCOUNT FEES

Account Closure Within 3 Months of Opening	$5.00
Account Reopening	$5.00
Dormant Account Account considered inactive after no activity for 3 years.	$5.00

GENERAL SERVICES

Account Statement Printout	$1.00 per copy
Photocopy	$1.00 per copy
Fax Service	$2.00 per page
Change of Address Without notice	$5.00
Account Research	$20.00 per hour

                                                             
CHECK HOLDING POLICY for Non-Government Checks

    San Francisco checks held for 10 business days.
    California checks (outside of San Francisco) held for 17 business days.
    Out-of-State checks held for 24 business days.