Truth-in-Savings Disclosure
http://stcletus.cusiteonline.com/pdf/Truth_in_Savings_Disclosure.pdf

Privacy Notice Disclosure
http://stcletus.cusiteonline.com/pdf/Privacy_Notice_Disclosure.pdf

Patriot Act Disclosure
http://stcletus.cusiteonline.com/pdf/Patriot_Act_Disclosure.pdf

Fees applicable to all accounts
Returned item fee	$25.00 per item
Statement copies fee	$0.25 per page
Wire transfer fee	$15.00 per transfer
Non-sufficient funds fee	$25.00 per item
Cashiers Check fee	$1.00 per item (unless issued to yourself)
ATM or debit card transaction that overdraws your account	$25.00 per item

Share draft account fees
Non-sufficient funds fee	$25.00 per item
Stop payment order fee	$25.00 per order
Draft copy fee	$2.00 per copy
Draft/Check printing fee	Varies depending on the style of check ordered.
Check copies on CD	$20.00 per month
Debit Card purchases	Free Unlimited (debit or credit)
Debit Card replacement	$5.00 (after the second card)
Debit Card PIN reorder	$2.00

ATM Service Fees

No charge for deposits

$1.00 charge per transaction after the 4th transaction of the month including balance inquiries and transfers.

PIN number reorder $2.00

Card Replacement $5.00 (after second card)

Click here for surcharge free atm locations

Dormancy Fee

Accounts without any activity for 12 consecutive months (excluding dividend postings) will be charged a fee of $1.00 per month after the 12th month of inactivity.

Visa-Credit Disclosures and Fees	CLASSIC	PLATINUM
ANNUAL PERCENTAGE RATE (APR) FOR PURCHASES	8.99% to 17.99%	8.99% to 9.99%
OTHER APRs	Balance Transfers and Cash Advances 8.99% to 17.99%	Balance Transfers and Cash  Advances 8.99% to 9.99%
Minimum finance charge:	$0	$0
Annual Membership fee:	$0	$0
Grace period for repayment of the balance for purchases:	25 DAYS	25 DAYS
Late payment fee (if 15 or more days late):	$15.00	$15.00
Over the limit fee:	$10.00	$10.00
International transaction fee:	1% on Foreign Transactions	1% on Foreign Transactions
Method of computing the balance for purchases:	Average Daily Balance including new purchases	Average Daily Balance including new purchases