Schedule of Fees and Services
Effective July 1, 2007

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General

Wire Transfers    Incoming    Outgoing	$15.00 per item $25.00 per item
Account Research (all hourly fees will be charged in 1 hour increments)	$30.00 per hour
Checkbook Reconciliation Assistance (all hourly fees will be charged in 1 hour increments - no charge in case of bank error)	$30.00 per hour
Photocopies	$1.00 per page
Legal Papers (for each restraining notice, court order, levy or other legal paper that requires us to place a hold on your account or to pay out money to someone else)	$100.00 per item
Early Account Closing Fee (applies to accounts closed within 180 days of opening)	$25.00
Dormant Savings Account Charge (applies to accounts with no activity within 2 years CDs and IRAs excluded)	$5.00 per month
Dormant Checking Account Charge (applies to accounts with no activity within 1 year)	$5.00 per month
Signature Guarantee ($15.00 maximum each occasion)	$3.00 each document
Night Deposit Bags Service (prices available according to terms of contract)
Fax Service	$3.00 per page
Special Interim Account Statement	$3.00 per statement
Reprinted Statements    up to 5 pages    each additional page (plus research hourly fee)	$5.00 $1.00
Incorrect Address Fee/Returned Statement Fee	$5.00 per month
Copies of Checks	$1.00 per check
Check Cashing (non-customers)	$5.00 per check
Protest Fee	$20.00 per item
Collection Item	$15.00 per item
Foreign Check Handling Charge	$20.00 per check
Canadian Check Handling Charge	$5.00 per check

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Stop Payments

Stop Payment Fees, personal checks	$25.00 per item
Stop Payment Fees, EFT or ACH	$25.00 per item

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Insufficient Funds
(Fees may cause negative balances)

Returned Deposited Items (not drawn on Lake Shore Savings)	$15.00 per item
Overdraft Fees (Fee charged for non-sufficient funds, overdrafts, and uncollected funds created by check, in-person withdrawal, ATM/POS/Debit card withdrawal, ACH, EFT or other electronic means)	$30.00 per item

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Items Cashed
(Fees may cause negative balances)

Returned Insufficient Funds Items (not drawn on Lake Shore Savings)	$10.00 per item
Returned Check for the payment of Loan (includes payments made by ACH, EFT or other electronic means)	$20.00 per item

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Overdraft Fees
(Fees may cause negative balances)

Fee to Access Overdraft Line of Credit	$5.00 per transaction
Fee to Access Savings Account	NO FEE

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Bank Items

Certified Checks	$5.00 per check
Money Orders (to be used from $1-$500)    customers    non-customers	$2.00 per item $5.00 per item
Cashiers Checks ($500 minimum)    customers    non-customers	$2.00 per check $5.00 per check
Counter Checks	$1.00 per check

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ATM Services/Fees

ATM Withdrawals - Foreign Terminals	$1.50 per transaction
Replacement of ATM Cards/PINs	$10.00 per card
Replacement of Debit Cards/PINs	$10.00 per card

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Internet Banking Services

Internet banking is free of monthly service charges. However, if you do not use your internet account for a period of 6 months, you will be assessed a $20.00 fee and your Internet banking privileges will be deactivated.

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Online Bill Pay Service

The first 15 transactions per month are free. After that, a fee of $0.40 per transaction will be assessed to your checking account. If you do not use your Bill Pay account for 6 months, your account will be deactivated. A reactivation fee may be assessed.

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Safe Deposit Boxes
(Annual rental is priced according to size)

Replace Lost Key	$10.00 per key
Drilling Expense	$200.00 per box
($10.00 for each additional key)

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Smart Account (NOW Checking)

The Smart account is free of monthly service charges if your daily ending balance throughout the statement period is $500 or more. If your daily ending balance is less than $500 on any day during the monthly statement period, a service charge of $8.00 is assessed for that period.

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Free & Easy
Totally Free Checking

When you open a Free & Easy Checking Account you will receive:
Free Checking
No Minimum Balance Requirement
No Monthly Service Charge
No Per Check Charge
Unlimited Check Writing Privileges
However, other fees and charges may be imposed such as fees for check printing, overdrafts, and a withdrawal from another financial institution's ATM. This is a non-interest earning account. Please refer to the other fees and charges listed that may be imposed.

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Check Printing Fees

Check printing fees vary with quantity and style of checks ordered. Costs include shipping and handling.

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Passbook and Statement Savings Accounts

Passbook and Statement Savings Accounts are free of monthly service charges if your daily ending balance throughout the period is $100 or more. If your daily ending balance is less than $100 on any day during the month, a service charge of $4.00 is assessed for that period.

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Excessive Regulation D Withdrawal Fee
for Savings Accounts and Money Market Deposit Accounts

During any month, you may not make more than six withdrawals or transfers to another bank account of yours, or to a third party by means of pre-authorized or automatic transfer or telephonic order or instruction. No more than three of the six transfers may be made by check, draft or debit card.

Transfers/withdrawals in excess of the 6-transfer/withdrawal limitations may be subject to a

$10.00 per month charge

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IRA Transfer Fee

A fee of $25.00 shall be processed to transfer IRA funds to another Financial Institution or Investment Company if such transfer shall involve closing the IRA Plan Account with Lake Shore Savings.

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If you have any questions, please visit your local branch, contact your Lake Shore Savings representative or call us at 1-800-336-6116.

All service charges are effective as of July 1, 2007.