FEES

Wire Transfer Fee	Incoming	No Charge
	Outgoing (US)	$15
	Outgoing Foreign	Not Available

Return Fees

Returned Check

$15

Transfer Fees	Incoming Transfer	No Charge
	Outgoing Retail	$50
	Outgoing IRA	$25
	DTC	$50
	Certificates for DRIP	No Charge
	Non DRIP	$25

Reorganization Fees

If held in brokerage acct.

none

Exercising Options	Internet	$15
	Broker assisted	$20

Retirement Accounts	IRAs	No Fee
	401k	Call for Fees
	Money Purchase Plan	Call for Fees
	Profit Sharing Plan	Call for Fees

Inactivity Fees

none

Safekeeping

Per security per year

$25

Regulation T

$15

Physical Statements

none

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