94-19498. Prices for Federal Home Loan Bank Services

[Federal Register Volume 59, Number 154 (Thursday, August 11, 1994)]
[Unknown Section]
[Page 0]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 94-19498]

[[Page Unknown]]

[Federal Register: August 11, 1994]

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FEDERAL HOUSING FINANCE BOARD

[No. 94-NO3]

Prices for Federal Home Loan Bank Services

AGENCY: Federal Housing Finance Board.

ACTION: Notice of Prices for Federal Home Loan Bank Services.

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SUMMARY: The Federal Housing Finance Board (Board) is publishing the
prices charged by the Federal Home Loan Banks (Banks) for processing
and settlement of items (negotiable order of withdrawal or NOW), and
demand deposit accounting (DDA) and other services offered to member
and other eligible institutions.

EFFECTIVE DATE: August 11, 1994.

FOR FURTHER INFORMATION CONTACT: Gary B. Townsend, Deputy Director,
Examinations and Regulatory Oversight Division, (202) 408-2540; or
Edwin J. Avila, Financial Analyst, (202) 408-2871; Federal Housing
Finance Board, 1777 F Street, N.W., Washington, D.C. 20006.

SUPPLEMENTARY INFORMATION: Section 11(e) of the Federal Home Loan Bank
Act (Bank Act) (12 U.S.C. 1431(e)) authorizes the Banks (1) to accept
demand deposits from member institutions, (2) to be drawees of payment
instruments, (3) to engage in collection and settlement of payment
instruments drawn on or issued by members and other eligible
institutions, and (4) to engage in such incidental activities as are
necessary to the exercise of such authority. Section 11(e)(2)(B) of the
Bank Act (12 U.S.C. 1431(e)(2)(B)) requires the Banks to make charges
for services authorized in that section, which charges are to be
determined and regulated by the Board.

Section 943.6(c) of the Board's regulations provides for the
publication in the Federal Register of all prices for Bank services.
The following is a schedule of prices for such services charged by each
Bank:

District 1.--Federal Home Loan Bank of Boston (1994 NOW/DDA Services)

(Services not provided)

District 2.--Federal Home Loan Bank of New York (1994 NOW/DDA Services)

(Services not provided)

District 3.--Federal Home Loan Bank of Pittsburgh (1994 NOW/DDA
Services)

Deposit Processing Service (DPS)

DPS Deposit Tickets $0.5300 per deposit
Printing of Deposit Tickets Pass-through

Deposit Items Processed for volumes of: Pricing varies--tiered by monthly
volume
1-25,000..................................................................... 0.0345 per item (transit)
25,001-58,500................................................................ 0.0339 per item (transit)
58,501-91,500................................................................ 0.0334 per item (transit)
91,501-125,00................................................................ 0.0328 per item (transit)
125,001-158,500.............................................................. 0.0323 per item (transit)
158,501-191,500.............................................................. 0.0317 per item (transit)
191,501-over................................................................. 0.0312 per item (transit)

Deposit Items Encoded (West) for volumes of: Pricing varies--tiered by monthly
volume
1-25,000..................................................................... $0.0292 per item
25,001-58,500................................................................ 0.0287 per item
58,501-91,500................................................................ 0.0282 per item
91,501-125,000............................................................... 0.0277 per item
125,001-158,500.............................................................. 0.0272 per item
158,501-191,500.............................................................. 0.0267 per item
191,501-over................................................................. 0.0262 per item

Deposit Items Encoded (East) for volumes of: Pricing varies--tiered by monthly
volume
1-25,000..................................................................... $0.0313 per item
25,001-58,500................................................................ 0.0308 per item
58,501-91,500................................................................ 0.0303 per item
91,501-125,000............................................................... 0.0298 per item
125,001-158,500.............................................................. 0.0293 per item
158,501-191,500.............................................................. 0.0288 per item
191,501-over................................................................. 0.0283 per item
Deposit Items Returned....................................................... 1.7500 per item
Deposit Items Photocopied.................................................... 3.5000 per photocopy
DPS Photocopies-Subpoena..................................................... 18.0000 per hour of processing
time, plus 0.2000 per photocopy
Deposit Items Rejected....................................................... 0.2300 per rejected item
(applicable to pre-encoded
deposits only)
DPS Transportation (West).................................................... 8.0000 per pickup
DPS Transportation (East).................................................... 8.2500 per pickup
Return Check Courier Service................................................. 115.5000 per month

Depository Account Services

Mail Deposits................................................................ $5.0000 per deposit
``On-Us'' Returns Deposited:
Qualified Returns.................................................... 0.4300 per item
Raw Returns.......................................................... 1.5000 per item
Bond Coupon Collection................................................... 5.5000 per envelope
Bond Coupon Returns...................................................... 12.0000 per coupon
Bond Collection:
Bearer............................................................... 23.0000 per bond
Registered........................................................... 29.0000 per bond
Deposit Transfer Vouchers................................................ 5.0000 per item
Request for Fax / Photocopy.............................................. 3.0000 per document
Foreign Item Collection.................................................. Pass-through

Electronic Funds Transfers

Incoming Wire Transfers...................................................... $6.0000 per transfer
Outgoing Wire Transfers...................................................... 9.0000 per transfer
Foreign Wire Surcharge....................................................... 30.0000 per transfer*
Expected Wires Not Received.................................................. Penalty Assessed**
ACH Transaction Settlement (CR).............................................. 0.2500 per transaction
ACH Transaction Settlement (DR).............................................. 0.2500 per transaction
ACH Origination.............................................................. To Be Announced
ACH Returns/NOC's--Facsimile................................................. 1.7500 per transaction
ACH Returns/NOC's--Telephone................................................. 2.7500 per transaction
ACH/FRB Priced Service Charges............................................... 0.2500 per transaction

*Note: The amount of this surcharge will be added to the amount of the outgoing funds transfer to produce a
single total debit to be charged to the customers account on the date of transfer.
**Note: Standard penalty is equivalent to the amount of the wire(s) times the daily IOD rate, divided by 360. If
the wire not received causes the Bank to suffer any penalty, deficiency, or monetary loss, any and all related
costs will also be assessed.

Federal Reserve Settlement

FRB Statement Transaction (CR)............................................... $0.5300 per transaction
FRB Statement Transaction (DR)............................................... 0.5300 per transaction
Reserve Requirement Pass-Thru................................................ 15.0000 per month (active)
Correspondent Transaction (DR)............................................... 0.5300 per transaction
Direct Send Settlement....................................................... 132.0000 per month
FRB Inclearing Settlement.................................................... 132.0000 per month

Demand Deposit Services

Clearing Items Processed..................................................... $0.1300 per item
Clearing Items Fine Sorted (for return with Bank statements)................. 0.0630 per item
Reconcilement Copies--Manual................................................. 0.0790 per copy
Reconcilement Copies--MagTape................................................ 0.0480 per copy
Reconcilement Copies--Voided................................................. 0.0320 per copy
Check Photocopies--Mail...................................................... 3.5000 per photocopy
Check Photocopies--Telephone / Fax........................................... 4.2500 per photocopy
Check Photocopies--Subpoena.................................................. 0.5000 per photocopy
Stop Payment Orders.......................................................... 15.7500 per item
FRB Return Items............................................................. 0.4300 per item
FRB Return Items Over $2,500................................................. 6.0000 per item
Collections & Forgeries...................................................... 15.0000 per item
Imprinting of Standard Checks................................................ 0.0950 per item
Non-Standard Imprinting...................................................... Pass-through
Microfiche Copies............................................................ 5.0000 per copy
Cut-Off Statements........................................................... 10.0000 per statement
Paper Advice of Transactions (DTS)........................................... 1.0000 per statement

Proof Of Deposit (POD) Service

Provides for outsourcing of all over-the-counter MICR document
processing.
Pricing is customer-specific, based upon individual service
requirements; please call your Marketing representative at (800)
288-3400 for further information.

Coin & Currency Service: Western Service Area

Currency Orders.............................................................. $0.3500 per $1,000*
Coin Orders.................................................................. 2.0000 per box
Currency Deposits............................................................ 1.1500 per $1,000*
Coin Deposits................................................................ 1.8000 per standard bag
Coin Deposits (Non-Standard)................................................. 2.5000 per non-standard bag
Coin Deposits (Unsorted)..................................................... 8.0000 per mixed bag
Food Stamp Deposits.......................................................... 1.8000 per $1,000*
Coin Shipment Surcharge...................................................... 0.2500 per excess bag**
C&C Transportation (Zone W1)................................................. 14.9500 per stop
C&C Transportation (Zone W2)................................................. 26.0000 per stop
C&C Transportation (Zone W3)................................................. 35.0000 per stop
C&C Transportation (Zone W4)................................................. Negotiable***

Coin & Currency Service: Eastern Service Area

Currency Orders.............................................................. $0.2500 per $1,000*
Coin Orders.................................................................. 2.6000 per box
Currency Deposits............................................................ 1.1500 per $1,000*
Coin Deposits................................................................ 1.8000 per standard bag
Coin Deposits (Non-Standard)................................................. 2.5000 per non-standard bag
Coin Deposits................................................................ (Unsorted) 8.0000 per mixed bag
Food Stamp Deposits.......................................................... 1.8000 per $1,000*
Coin Shipment Surcharge...................................................... 0.2500 per excess bag**
C&C Transportation (Zone E1)................................................. 23.2500 per stop
C&C Transportation (Zone E2)................................................. 32.5000 per stop
C&C Transportation (Zone E3)................................................. 50.0000 per stop
C&C Transportation (Zone E4)................................................. Negotiable***

* Note: Charges will be applied to each $1,000 ordered or deposited, and to any portion of a shipment not
divisible by that standard unit.
**Note: A surcharge will apply to each container (box/bag) of coin in an order/delivery after the first 20
containers.
**Note: Reserved for remote locations: delivery charges will be negotiated with the courier service on an
individual basis.

Check Processing (Inclearing)

Checks Processed for volumes of: Pricing varies--tiered by monthly
volume
1-25,000..................................................................... $0.0406 per item
25,001-58,500................................................................ 0.0381 per item
58,501-91,500................................................................ 0.0356 per item
91,501-125,000............................................................... 0.0331 per item
125,001-158,500.............................................................. 0.0306 per item
158,501-191,500.............................................................. 0.0281 per item
191,501-350,000.............................................................. 0.0256 per item
350,001-500,000.............................................................. 0.0231 per item
500,001-over................................................................. 0.0206 per item

Full Backroom Service (Item Processing Charges)

Non-Truncated Checks for volumes of: Pricing varies--tiered by monthly
volume
1-25,000..................................................................... $0.0531 per item
25,001-58,500................................................................ 0.0516 per item
58,501-91,500................................................................ 0.0501 per item
91,501-125,000............................................................... 0.0486 per item
125,001-158,500.............................................................. 0.0471 per item
158,501-191,500.............................................................. 0.0456 per item
191,501-350,000.............................................................. 0.0441 per item
350,001-500,000.............................................................. 0.0416 per item
500,001-over................................................................. 0.0391 per item

Truncated Checks for volumes of: Pricing varies--tiered by monthly
volume
1-25,000..................................................................... $0.0427 per item
25,001-58,500................................................................ 0.0412 per item
58,501-91,500................................................................ 0.0397 per item
91,501-125,000............................................................... 0.0382 per item
125,001-158,500.............................................................. 0.0367 per item
158,501-191,500.............................................................. 0.0352 per item
191,501-350,000.............................................................. 0.0337 per item
350,001-500,000.............................................................. 0.0312 per item
500,001-over................................................................. 0.0287 per item

Modified Backroom Service (Item Processing Charges)

Non-Truncated Checks for volumes of: Pricing varies--tiered by monthly
volume
1-25,000..................................................................... $0.0428 per item
25,001-58,500................................................................ 0.0413 per item
58,501-91,500................................................................ 0.0398 per item
91,501-125,000............................................................... 0.0383 per item
125,001-158,500.............................................................. 0.0368 per item
158,501-191,500.............................................................. 0.0353 per item
191,501-350,000.............................................................. 0.0338 per item
350,001-500,000.............................................................. 0.0313 per item
500,001-over................................................................. 0.0288 per item

Truncated Checks for volumes of: Pricing varies--tiered by monthly
volume
1-25,000..................................................................... $0.0323 per item
25,001-58,500................................................................ 0.0308 per item
58,501-91,500................................................................ 0.0293 per item
91,501-125,000............................................................... 0.0278 per item
125,001-158,500.............................................................. 0.0263 per item
158,501-191,500.............................................................. 0.0248 per item
191,501-350,000.............................................................. 0.0233 per item
350,001-500,000.............................................................. 0.0208 per item
500,001-over................................................................. 0.0183 per item

Check Processing (Associated Services)

Over-The-Counter Items....................................................... $0.1700 per item
Mid-Cycle Statement (Purged)................................................. 0.5000 per item (Min $2.50)
Mid-Cycle Stmt. (Non-Purged)................................................. 2.5000 per statement
Special Cycle Sorting........................................................ 0.0200 per item
Selective Statement Stuffing................................................. 0.0650 per statement
Additional Statement Inserts................................................. 0.0500 per statement (applicable
to statements containing more
than two inserts)
Check (NOW) Statement Processing:
Statements using Small Envelopes......................................... 0.0550 per envelope
Statements using Custom Envelopes........................................ 0.0900 per envelope
Statements using Large Envelopes......................................... 0.5200 per envelope
Daily Report Postage......................................................... Pass-through
Statement Postage............................................................ Pass-through
Standard Return Calls........................................................ 1.0500 per item
Automated Return Calls....................................................... 0.2500 per item
FHLBLink Return Calls........................................................ 0.8900 per item
Late Return Calls............................................................ 2.1000 per item
FRB Return Items............................................................. 0.4300 per item
FRB Return Items Over $2,500................................................. 6.0000 per item
Check Photocopies--Mail...................................................... 3.5000 per photocopy
Check Photocopies--Telephone/Fax............................................. 4.2500 per photocopy
Check Photocopies--Subpoena.................................................. 0.5000 per photocopy
Check Retrieval.............................................................. 1.5000 per item
MICRSort Option (Fixed Fee).................................................. 25.0000 per month
MICRSort Option (per item)................................................... 0.0300 per item
Check Reconcilement Service.................................................. (See Separate Section)
Collections & Forgeries...................................................... 15.0000 per item
MCPJ Microfiche Service...................................................... 0.0010 per item (Min. $15.00,
Max. $50.00)
Microfiche Copies............................................................ 5.0000 per copy
Microfilm Processing......................................................... 5.0000 per roll
Microfilm Duplication........................................................ 10.5000 per item
Transportation............................................................... Pass-through

Statement Savings Processing

Statements using Small Envelopes............................................. $0.0850 per envelope
Statements using Custom Envelopes............................................ 0.1200 per item
Statements using Large Envelopes............................................. 0.5500 per item

Check Reconcilement Service

Reconcilement Items Processed................................................ $0.2250 per item
Stop Payment Orders.......................................................... 10.0000 per item
Microfiche Copies............................................................ 3.0000 per copy
Account Reconcilement........................................................ 15.0000 per account

*Note: Individual service charges are detailed in a monthly statement provided specifically for this service.
The net of these charges is posted to Check Processing and appears as a single line item on the monthly billing
statement.

Account Maintenance

Demand Deposit Accounts...................................................... $21.0000 per month, per account
Audit Confirmation........................................................... 10.0000 per request, per account

Account Overdraft Penalty

Greater of $75.00 and interest on the amount of the overdraft
(Rate used for calculation equal to the highest posted advance rate
plus 3.0%)

Attention: Customers Receiving Transportation Charges Under Any
Service

Rates and charges relative to transportation vary depending on
the location of the office(s) serviced. Details regarding the
pricing for the transportation to/from specific institutions or
individual locations will be provided upon their subscription to
that service.
Surcharges may be applicable and will be applied to the customer
as effective and without prior notice.

District 4.--Federal Home Loan Bank of Atlanta (1994 NOW/DDA Services)

Demand Deposit Service Fees

Service Fee Per Item

Maintenance Fee (per Daily Investment Account):
Member................................................................... $10.00/month
Non-Member............................................................... 20.00/month
(Collected funds are automatically invested to earn a competitive rate.)
Checks Paid:
Monthly Statement: Items Finesorted into Check Number Order.............. .12
Monthly Statement: Items Truncated....................................... .08
Statements:
One Per Account Per Month................................................ No charge
Additional / Interim Statements.......................................... 2.50
Photocopies: 2.50
(Demand items / statements / advices)
Stop Payment--DIAL........................................................... 15.00
Non-DIAL..................................................................... 18.00
Range Stop Payments--per item returned....................................... 15.00
Without Entry Items.......................................................... 4.50
Deposit Transfer Checks (DTC)................................................ 4.00
Wire Transfers:
Incoming................................................................. 3.50
Outgoing................................................................. 5.00
Phone Advice (per wire).................................................. 2.50
Interbank Transfer (per debit and credit)................................ 2.50
Facsimile Advice (per wire).............................................. 2.50
Account Reconciliation:
Full Reconciliation, Magnetic Tape ($50.00/month plus)................... $.0325/issue\1\
Full Reconciliation, Paper Issue ($50.00/month plus):
Encoded Amounts...................................................... .0475/issue\1\
Unencoded Amounts.................................................... .0700/issue
Partial Reconciliation ($25.00/month plus)............................... .03
Range Reconciliation ($25.00/month plus)................................. .03
DDA Paid Items Tape ($15.00/tape plus)....................................... .03
DDA Paid Items Transmission:
Daily ($100.00/month plus)............................................... .03
Weekly ($15.00/week plus)................................................ .03
Alternative Demand Disbursement Service...................................... Negotiated
Free checks, stop payments, photocopies and supplies Earnings and/or
pricing based on average dollar amount of issued items and number of
days outstanding
Deposit Processing Service:
Deposits................................................................. .25
Unencoded Checks......................................................... .08
Encoded Checks........................................................... .05
Foreign Checks........................................................... 10.00
Bond Coupons (per envelope).............................................. 10.00
Deposited Checks Returned................................................ 3.00
Automated Clearing House (ACH) Services:
Origination ($30.00 per tape plus)....................................... .07
Receiving ($100.00 settlement per month plus)............................ .10
On-us Items.............................................................. .05
ACH Return Items/Notification of Changes................................. 1.50
Settlement Only Services:
Automated Clearing House (ACH)........................................... 100.00/month
Currency and Coin........................................................ 100.00/month
Deposit of Items at Fed.................................................. 100.00/month
Checks/NOW............................................................... 100.00/month
Multiple Settlement Services Discount:
1 Service................................................................ 100.00
2 Services (10%)......................................................... 180.00
3 Services (15%)......................................................... 255.00
4 Services (20%)......................................................... 320.00
Other Settlement Services:
Treasury, Tax and Loan (TT&L)............................................ $3.50/entry
Savings Bonds............................................................ 1.00/entry
Non-cash Collections..................................................... 3.50/entry
Currency and Coin........................................................ 3.50/entry
Audit Confirmations (per request)............................................ 15.00
Custodial Mortgage Account:
DIAL Transfers; 1-50 accounts............................................ 10.00/account\2\
DIAL Transfers; over 50 accounts......................................... 5.00/account\2\
No DIAL Transfers........................................................ 20.00/account\2\
Automated Wire Service................................................... 9.00/wire

Notes for Demand Deposit Services:
Overdraft charge calculated at 5% over current short-term variable rate; minimum charge of $75.
Special research requests of 12 or more items will be charged at $30 per man-hour plus $1 per item.
Microfilm can be provided at a cost of $35 per roll plus one cent per item.
Magnetic tapes not returned to Bank within 90 days will be billed at $12 per tape.
\1\Fifty dollars for first reconciled account; $25 for each additional account.
\2\No monthly charge on check disbursement accounts; regular paid check fees apply.

Securities Safekeeping Fees

Fed (Book Non-Fed (Book
Billing category Entry) Entry)

Purchases--Versus Payment............... $12.00 $40.00
Purchases--Free......................... 15.00 48.00
Sales--Versus Payment................... 12.00 40.00
Sales--Free............................. 15.00 48.00
Maturities.............................. 10.00 10.00
Interest Payments....................... 4.00 6.00
Mortgage-backed Securities (Principal &
Interest).............................. 5.00 6.00
Sales Rekey Fee......................... 5.00 ..............
Account Maintenance (monthly charge per
issue based on average held)........... 3.00 5.00
Pledge/Release Transactions............. 25.00 25.00

Check Processing Fees

Service Items per month Fee per item

Daily Delivery........................ 1-25,000............................. $.035
Over 25,000.......................... .030
Bulk Filing........................... 1-50,000............................. .042
50,001-100,000....................... .036
Over 100,000......................... .027
Statement Matching.................... 1-50,000............................. .067
50,001-100,000....................... .061
Over 100,000......................... .052
Truncation............................ 1-150,000............................ .020
Over 150,000......................... .015
Special Statements (IRA, Savings, ..................................... .05/statement\1\
etc.).
Truncated Statements.................. ..................................... .05/statement\1\
Statement Inserts..................... ..................................... .02/insert
Statement Inserts (Special ..................................... .05/insert
Instructions).
No Mail/Special Pull Statements....... ..................................... .10/statement
Special Statement Sort................ ..................................... 25.00/hour\2\

Special Services

Statement Rendering (In-house
Processors):
Account Number Finesort........... ..................................... .020
Cyclesort......................... ..................................... .015
Statement Rendering............... ..................................... .25/statement
Return Items--DIAL.................... 1-50................................. 3.00
(total monthly volume)............ 51-250............................... 2.75
Over 250............................. 2.50
Non-DIAL...................... ..................................... 3.40
Large-Dollar Return Items............. ..................................... 4.50
Delayed Return Items.................. ..................................... 4.50
Facsimile:
Large-Dollar...................... ..................................... 1.50
On Request........................ ..................................... 2.00
Account Number Rejects............ ..................................... 2.50
Over-the-Counter Items................ ..................................... .035
Photocopies........................... ..................................... 2.00
Without Entry Items................... ..................................... 4.50
Finesort (Check Number) Special
Accounts:
Six accounts or less ($25.00/month ..................................... .020
plus).
Over 6 accounts ($50.00/month ..................................... .020
plus).
Prime Rejects ($0.25 per item over ..................................... .25
2% reject rate).
Exception Statements:
Level I....................... ..................................... No charge
Level II...................... ..................................... .50/statement
Special Handling:
(if required by 2 or more account ..................................... 500.00/month
number formats resulting from
mergers, conversions, branch
acquisitions, etc.; charging will
begin 3 months after effective
date if still required).
Custom Coding:
(for mergers, branch acquisitions ..................................... 100.00/hour
and sales, etc.).
Microfilm............................. ..................................... 35.00/roll plus .01/item
Special Research Requests............. ..................................... 3.00/item
Pull Original Truncation Items ..................................... 30.00/hour plus 1.00/item
from File.
Research Request for 12 or More ..................................... 30.00/hour plus 1.00/item
Items.

Contract Options

Term Contract Discounts............... ..................................... 1 year--10%
..................................... 2 years--12%
..................................... 3 years--15%
Short Term Processing (less than 1 ..................................... 15% premium added to monthly fees
year).

Notes for Check Processing Fees:
Minimum monthly billing fee is $200. Prices for all options include data transmission.
Delivery expense and postage are charged at cost.
Per item prices for Daily Delivery, Bulk Filing, Statement Matching and Truncation services are stand-alone
charges, not incremental fees.
\1\Charge of $.15 per statement for all statements in cycle if truncated/special statements are commingled with
regular statements.
\2\Applicable if manual sorting of statements into account number order is required prior to matching.

Disaster Recovery Service Fees

The Bank offers a back-up operational facility to financial
institutions with in-house item processing systems in the event of a
disaster. Within 24 hours following notification of an emergency
situation, the Bank can accommodate your processing needs. Items
processed are charged based on standard fees. One annual test
provided at no charge; additional testing will be charged at $250
per test.

Monthly maintenance fee
Subscription fee (one-time charge) Service activation (per disaster)
based on monthly item volume $2,000 plus daily usage fee* 1 Yr. 2 Yr. 3 Yr.
contract contract contract

$5001-50,000......................... 2nd week $500........................ $300 $250 $200
75050,0001-100,000................... 3rd week 750.........................
1,000Over 100,000.................... 4th week 1,000.......................
5th week 1,250.......................
6th week 1,500 ......................

*Daily Usage Fee applicable beginning with 2nd week of processing; six-week maximum.

On-Line and Manual Information Reporting Fees

Service Fee

DIAL (Direct Information Access Link)
Up to two hours connection time per month per customer for general No charge
inquiries and transactions.
Additional Per Minute Charge............................................. $.45
Manual Balance and Information
Reporting Per Call................................................... 10.00

CRA Geographics

This service uses maps, overlays, and statistical analysis to
assist customers in delineating their community, defining its credit
needs, and marketing their services to meet those needs.

Number of census tracts Price per census tract*

Basic Report (HMDA data analysis)
1-60..................................................................... $19.50 (minimum of $900)
61-150................................................................... 16.00
151-300.................................................................. 11.50
301-600.................................................................. 7.25
More than 600............................................................ Negotiable
Rural Reports............................................................ $500 per county
Enhancements (e.g., commercial loan analysis)............................ 15 percent of basic report price

*Discounts for Federal Home Loan Bank members: 10% for 2 years; 20% for 3 years.

Document Custody Service Fees

Warehouse Short-Term Custody
Review and Certification Fee............................................. $3.50/loan
Release Fee.............................................................. 2.00/loan
Long-Term Custody
Transfer Fee (from short-term custody)................................... $1.00/loan
Release Fee.............................................................. 2.00/loan
Monthly Safekeeping Fee.................................................. .25/loan
Non-Warehouse Certification Fees:
FHLMC Certification.................................................. $2.50/loan
FNMA Certification................................................... 3.00/loan
GNMA Certification--Initial.......................................... 2.50/loan
GNMA Certification--Final............................................ 2.00/loan
Bulk Transfer Fee............................................................ Negotiable

Interest Rate Risk Service

This asset/liability management service, which helps members
measure the sensitivity of market value of portfolio equity and net
interest income to interest rate changes, includes quarterly
Sensitivity Reports, Peer Group Reports, and Strategies Reports,
plus telephone access to the Bank's staff of interest rate risk
experts.

Fees depend on institution's tangible asset size:
Less than $50 million.................................................... $300/quarter
$50 million to $250 million.............................................. 400/quarter
Greater than $250 million................................................ 500/quarter
Interest Sensitive Gap Report based upon subscriber-provided Maturity and 100/quarter
Rate (MR) information. Produced on request for Interest Rate Risk Service
subscribers..

Comparative Performance Report

This service gives members a clear picture of how their
performance compares with that of their industry peers and
competitors. Fee includes four quarterly reports and telephone
consultation on tables in reports.

Subscription fee: $350/year

District 5.--Federal Home Loan Bank of Cincinnati (1994 NOW/DDA
Services)

Demand Deposit Account

Paid Items................................................................... $0.14
Advice Reconciliation........................................................ 0.06
Magnetic Tape Reconciliation................................................. 0.06
Stop Payments................................................................ 10.00
Wire Transfers--In........................................................... 2.00
Wire Transfers--In with Telephone Confirmation............................... 4.00
Wire Transfers--Out.......................................................... 5.00
Charges...................................................................... 0.15
Credits...................................................................... 0.15
Photocopies.................................................................. 1.00
Fine Sorting................................................................. 0.01
Large Dollar Return Notification............................................. 2.00
Check and Money Order Truncation............................................. No Charge
ACH Return and Notification of Change........................................ 1.00
Facsimile Transmission of ACH Detail and Advices............................. 1.00 per page
($10.00 monthly minimum) 10.00/
mo./acct.
Custodial Account Maintenance
Settlement Agent with Federal Reserve:
ACH...................................................................... $100.00/active month
Treasury Tax and Loan.................................................... 100.00/active month
Bond Activity............................................................ 100.00/active month
Currency and Coin........................................................ 100.00/active month
Security Purchases....................................................... 100.00/active month
Check Deposit Activity................................................... 300.00/active month
Check Deposit Returns Only............................................... 50.00/active month
NOW Activity............................................................. 300.00/active month
Credit Card Activity..................................................... 100.00/active month
Contemporaneous Reserve.................................................. 50.00/active month

Inclearings/Now Accounts

Contractural Fees

Daily
Items/month return-
sorted

Basic Service
a. 1- 50,000........................................... $.0320
b. 50,001-100,000...................................... .0200
c. 100,001-200,000..................................... .0100
d. 200,001-400,000..................................... .0085
e. 400,001 and over*................................... .0070

*Subject to regional operations considerations.

Without
Truncation statement Statement
stuffing stuffing

a. $.0340............................... $.0370 $.0530
b. .0240................................ .0270 .0510
c. .0140................................ .0180 .0470
d. .0090................................ .0110 .0400
e. .0070................................ .0090 .0250

Special Services

1. Check Retrieval or Inspection of Original Item............................ $1.50
2. Photocopy................................................................. 1.00
3. Advertising Insertion..................................................... .02 per item
4. Posted--On Us.............................................................
a. With FHLB encoding.................................................... .03 per item
b. Without FHLB encoding................................................. .01 per item
5. Statement Stuffing Service for Truncated Statement........................ .01 per statement
6. Additional Sorting Upon Request...........................................
a. Fine Sorting.......................................................... .005 per item
b. Cycle Sorting......................................................... .005 per item
7. Large Dollar Return Notification.......................................... 2.00 per item
8. Return Items Processed by Bank............................................
a. First 1,000........................................................... 1.75
b. All Others............................................................ 0.75
c. Qualification Requirements of EFAA.................................... No Charge
9. Return Items Processed by NOW User Qualification Requirements of EFAA..... .50 per item
10. Return Item Clearing Fee................................................. FRB Pass-Thru
11. Special Processing Requests.............................................. Negotiable
12. Discount for Check Deposit Users......................................... 5% off Basic Service Fees
13. Discount for Credit and disbursement Users............................... 5% off Basic Service Fees

Check Deposits

Nashville Operations Center

Nashville City/RCPC.......................................................... .02
U.S. Treasury Checks/Savings Bonds........................................... .02
Louisville City/RCPC......................................................... .025
Memphis City/RCPC............................................................ .0475
Other FRB.................................................................... .0575

Cleveland Operations Center

Cleveland City/RCPC.......................................................... .02
U.S. Treasury Checks/Savings Bonds........................................... .02
Columbus City/RCPC........................................................... .03
Other FRB.................................................................... .0575

Cincinnati Operations Center

Cincinnati City/RCPC......................................................... .02
U.S. Treasury Checks/Savings Bonds........................................... .02
Louisville City/RCPC......................................................... .02
Columbus City/RCPC........................................................... .025
Other FRB.................................................................... .0575

Volume Discount

Volume discounts on all items when total deposited items fall
within below listed categories:

Discount Monthly volume range

10%.......................................................................... 100,001-200,000
20%.......................................................................... 200,001 and over

Additional Services

1. Encoding by FHLB Operations Center
*Cincinnati & Cleveland.................................................. $.0225 per item
*Nashville............................................................... .0250 per item
2. Photocopy................................................................. 1.00 per item
3. Dishonored Item Returned by Bank.......................................... .25 per item
4. Large Dollar Return Notification.......................................... 2.00
5. Non-Cash Collection Minimum Service Fees,
In Addition to Collecting Bank Fees
a. Non-Cash Item..................................................... 5.00 per item
b. Security Coupon Collection........................................ 5.00 per envelope
c. Coupon Return Item................................................ 10.00 per item
d. Foreign Item...................................................... 55.00 per item
e. Food Stamp Cash Letter............................................ 1.00 per cash letter
f. Municipal Bonds................................................... 5.00 per item
g. Government Coupons................................................ No Charge
6. Depository Transfer Checks (DTC).......................................... 5.00 per item
7. Cash Letter Fee
a. Less than 100,000 items per month..................................... 1.00 per cash letter
b. 100,000 or more items per month....................................... .25 per cash letter
8. Funds Availability
a. See regional availability schedules
b. No deduction for fractional availability or reserve requirements

Northern Ohio Institutions

Preparation Charge

$12.00 per currency order
$2.00 per box wrapped coin

Kentucky and Southern Ohio Institutions

Preparation Charge

$10.50 per currency order
2.00 per box wrapped coin

Ohio and Kentucky Institutions

Pick-up of Currency and Coin

$5.00 per strapped currency deposit
$6.00 per mixed or unfilled straps of currency
$2.50 per bag of loose coin (same denomination)
$5.00 per bag of loose coin (mixed denomination)
$5.00 per bag of wrapped coin (same denomination)
$8.00 per bag of wrapped coin (mixed denomination)

Note: Preparation charge for late notification of order
requiring special pick-up or registered mail delivery will be
increased in the amount of 10%.

Memphis Federal Reserve Territory Institutions

Preparation Charge

$4.00 per currency and/or loose coin order

Pick-up of Currency and Coin

$2.00 per occurrence

Nashville Federal Reserve Territory Institutions

Preparation Charge

$4.00 per currency and/or loose coin order
$.0375 per roll--wrapped coin

Pick-up of Currency and Coin

$2.00 per occurrence

Transportation Charge

Please contact the Bank for the specific fee relative to your
area.

Lockbox

OCR Standard Per Item Fee.................................................... .25
Includes:
Courier Pick-up at Lockbox
Microfilming of Check and Document
Transmission to Service Bureau
Management Reports
Check Deposit Fee (Encoding and Clearing)
Certain Exception Handling

Additional Services

Lockbox Rental............................................................... Actual Cost
Photocopies.................................................................. 1.00
Hot File Update (Add or Delete).............................................. .50 per update
Hot File Update (Magnetic Tape).............................................. 10.00 per tape
Courier/Postage.............................................................. Actual--Outgoing
Dishonored Item Returned by Bank............................................. .25
Large Dollar Return Notification............................................. 2.00 per item
Reject or Unmatched Item..................................................... .15
Other Desired Services....................................................... Cost Basis
1994 Correspondent Services Price Schedules .................................

Alternative Disbursement Service

Money orders and
dividend checks Official checks

Settlement Options..... 1-Day.................. 1-Day
2-Day..................
Tuesday Weekly.........
Processing Fees........ Based on settlement
option and check
volume.
Earnings Incentive*.... Not Applicable......... Based on settlement
option and float
balances

*The earning incentive is a monthly interest payment to the ADS customer
based on its actual check activity. The earnings incentive interest
rate is indexed to the 91-Day Treasury Bill rate.

District 6.--Federal Home Loan Bank of Indianapolis (1994 NOW/DDA
Services)

Cash Management Services

Transaction Charges

Paid Check charge............................................................ $0.16 per item
Paper Advice................................................................. .065 per item
Tape Advice.................................................................. .040 per item
Stop Payments................................................................ 6.00 per stop
Photo copies................................................................. 2.50 per copy
Fine Sort Numeric Sequence................................................... .025 per item
Collection/Return/Exception.................................................. 5.00
Daily Statement.............................................................. 2.00
Maintenance.................................................................. 30.00 per month
Debit Entries................................................................ No charge
Credit Entries............................................................... No charge
Checks (Administration Fee).................................................. .02 per item
Special Cutoff............................................................... No charge
Infoline..................................................................... 50.00 per month
VRU (Voice Response)......................................................... 1.00 per inquiry

Collected Balances Will Earn Interest at the CMS daily posted rate.

Now Account Services

Transaction Charges

Safekeeping Turnaround (daily or Complete
cycled)
Monthly volume
Per Item Cost Per Item Cost Per Item Cost

0-5,000................................. $.048 $240 $.056 $280 $.080 $400
5-10,000................................ .040 200 .051 255 .078 390
10-15,000............................... .039 195 .047 235 .076 380
15-25,000............................... .034 340 .040 400 .075 750
25-50,000............................... .033 825 .036 900 .073 1,825
50-75,000............................... .029 725 .033 825 .069 1,725
75-100,000.............................. .026 650 .030 750 .068 1,700
100 and up.............................. .024 .......... .027 .......... .067 ..........

Ancillary Service Fees

Large Dollar Signature Verification.......................................... $0.50
Over-the-Counters and Microfilm.............................................. 0.035
Return Items................................................................. 2.15
Photocopies* and Facsimiles.................................................. 2.50
Certified Checks............................................................. 1.00
Invalid Accounts............................................................. .50
Invalid Returns.............................................................. 0.50
Late Returns 0.50........................................................
No MICR/OTC.................................................................. 0.50
Settlement Only.............................................................. 100.00 per month
+ Journal Entries........................................................ 3.00 each
Encoding Errors.............................................................. 2.75
Fine Sort Numeric Sequence................................................... 0.02
Access to Infoline........................................................... 50.00 per month
High Dollar Return Notification.............................................. No charge
Debit Entries................................................................ No charge
Credit Entries............................................................... No charge
Standard Stmt. Stuffers (up to 2)**.......................................... No charge
Minimum processing fee of $40.00 per month will apply for total NOW services.
Also included in the above fees--at no additional cost are Federal Reserve
fees, incoming courier fees, software changes, disaster recovery, envelope
discount and inventory.

*Photocopy request of 50 or more are charged at an hourly rate of 15.00.
**Each additional (over 2) will be charged at $.02 per statement.

Fee

Wire Transfer Services:
In (Per transfer) Domestic............................................... $4.00
Out (Per transfer) Domestic.............................................. 7.50
International Wires...................................................... 25.00
Depository Transfer Checks:
Per Check................................................................ $2.00
Treasury Tax and Loan Settlement Service:
Per Transaction.......................................................... $2.00
Charge Card Transaction:
Per Transaction.......................................................... $1.50
Automated Clearing House (ACH) Service:
Tape Transmission........................................................ $8.50
or Origination....................................................... .045 per item
MACHA, INDEX............................................................. Actual Federal Reserve Changes
ACH Entries Clearing through our R&T Number.............................. $.25 per item
Settlement Only.......................................................... $65.00 per month
ACH Returns/NOC.......................................................... $2.50 per item
Coin and Currency:
Deliveries-Indiana and Michigan
Prices based on delivery location, excess bag fee (courier) and order
preparation.
Cost will vary per institution...........................................
Returns.................................................................. $12.50
Non-Transit Customer......................................................... $10.00
Orders (Member uses own courier)............................................. $15.00
Special Order*............................................................... $15.00
*Any order placed after normal order has been received and processed by
Federal Home Loan Bank.

Proof and Transit Processing:
Pre-encoded Items:
City................................................................. $0.04 per item
RCPC................................................................. 0.05 per item
Other Districts...................................................... 0.085 per item
Unencoded................................................................ 0.165 per item
Food Stamp............................................................... 0.14 per item
Photocopies*............................................................. 2.50 per copy
Adjustments on pre-encoded work.......................................... 2.75 per error
E Z Clear................................................................ 0.14 per item
Coupons.................................................................. 8.25 per envelope
Collections.............................................................. 6.00 per item
Cash Letter.............................................................. 2.00 per cash letter
Deposit Adjustments...................................................... 0.30 per adjustment
Debit Entries............................................................ No charge
Credit Entries........................................................... No charge
Microfilming............................................................. No charge
Mortgage Remittance (Basic Service)...................................... 0.35
Settlement Only.......................................................... 100.00 per month
+ Journal Entries.................................................... 3.00 each
Third Party Fedline...................................................... .50 each
Courier** Marion County.................................................. 8.25 per location, per day, per
pickup
Other.................................................................... Prices vary per location

*Multiple Photocopies (more than 50 per request) 15.00 hour
**Includes branch work transfer and correspondence to and from Federal Home Loan Bank.

All Fees Subject to Change

District 7.--Federal Home Loan Bank of Chicago (1994 NOW/DDA Services)

(Services Not Provided)

District 8.--Federal Home Loan Bank of Des Moines (1994 NOW/DDA
Services)

Demand Account Analysis Fee Schedule

Account Maintenance.......................................................... $12.00
Account Reconciliation....................................................... 35.00
Daily Statements
Via SMARTS............................................................... No Charge
Paper Daily Advice (Per day)............................................. 2.50
Balance Reporting (Phone--manual)............................................ 75.00
Drafts Paid
Truncated................................................................ 0.045
Non-Truncated............................................................ 0.055
Stop Payments................................................................ 7.00
Ledger Entries--Credits...................................................... 0.35
Ledger Entries--Debits....................................................... 0.15
Bank Wires In................................................................ 3.00
Bank Wires Out...............................................................
Without Phone Advice..................................................... 4.00
With Phone Advice........................................................ 6.00
ACH Settlement Charges....................................................... 1.00
Special Cut-Off Statements................................................... 10.00
Account Reconciliation Tape Issues........................................... 0.015
Issue Encoding............................................................... 0.0225
Pre-Encoded Issues........................................................... 0.015
Collections
Bonds/Coupons Per Envelope
Local/Government..................................................... 5.00
Out-of-Town.......................................................... 7.00
Domestic/Checks.......................................................... 15.00 (Plus Actual)
Foreign.................................................................. 25.00 (Plus Actual)
Miscellaneous................................................................ Actual

ACH Fee Schedule

FRB/ACH Pass Thru............................................................ Actual
FRB/ACH Settlement........................................................... $1.00
Origination Service
Set Up New Account (One Time Charge)..................................... 50.00
Formatted Tape........................................................... 10.00
Reformat Tape............................................................ 10.00
Per Item On Tape*........................................................ .05
Paper Input
Monthly Maintenance.................................................. 20.00
Data Entry Per Item*................................................. .25
Day Cycle Deposit Charge
Local DB/CR.......................................................... .0550
Out-of-State DB/CR................................................... .0550
Prenotes............................................................. .0550
Addendas............................................................. .0550
Night Cycle Deposit Charge Premium
Local DB/CR.......................................................... .07
Out-of-State DB/CR................................................... .07
Prenotes............................................................. .07
Addendas............................................................. .07
Warehousing Per Item..................................................... .0050
Originator Volume Discount-Monthly
5,000 to 20,000...................................................... -.005
20,000-Over.......................................................... -.01
Return Items............................................................. 1.50
Transportation Charges................................................... Negotiable
Special Service/Handling................................................. Negotiable
Telephone Advice
Per Call............................................................. 2.00
Miscellaneous........................................................ Actual
Minimum Monthly Billing.................................................. 50.00
*Plus ACH Origination Fee

Des Moines Regional Center

Deposit Processing Fee Schedule

Deposited Item Charges

Below 50,000-100,000 Over
Description 50,000 100,000-300,000 300,000

Local.................................................. .02 .015 .014 .011
RCPC................................................... .030 .025 .022 .020
RCPC-Premium........................................... .045 .045 .045 .045
Transit................................................ .0525 .051 .05 .049

Other Fees

Encoding..................................................................... $.0225
Return Items
Return Items............................................................. .75/item
Special Handling
Subtotal by Office................................................... 1.50/office total
Individual Entries................................................... .50/entry
Telephone Notification less than $2,500.............................. .60/item
Large Dollar Notification (Reg. J.)...................................... 3.00/item
Collection/Settlement Services
Bonds/Coupons Per Envelope
Local/Government..................................................... 5.00
Out-of-Town.......................................................... 7.00
Domestic/Checks.......................................................... 15.00 (Plus Actual)
Canadian Items........................................................... .25/item
Foreign.................................................................. 25.00 (Plus Actual)
Miscellaneous............................................................ Actual
Federal Reserve Settlement Entries....................................... 1.00/entry
Food Coupons............................................................. .02
Non-Processable Items........................................................ .15 item
Cash Services
Currency/Coin Orders..................................................... 2.00/order
Special Orders....................................................... Standard order fee plus actual
charges
Foreign Currency Orders.............................................. 2.50/order
Coin--per roll....................................................... .0385/roll
Currency/Coin Deposits
Standard Packaging................................................... .50
Non-Standard Packaging............................................... 10.00
Foreign Currency Deposits............................................ 5.00/deposit
Currency Per Strap................................................... .25
Delivery Charge (includes return delivery to FRB Chicago) 42.61/stop
Balance/Availability Reporting............................................... 30.00/month
Endpoint Analysis............................................................ 20.00/day
Photocopies.................................................................. 2.75/copy
Research..................................................................... 20.00/hour

Kansas City Regional Center

Deposit Processing Fee Schedule

Deposited Item Charges

Below 25,000-50,000
Description 25,000 50,000-250,000 Over 250,000

Local................................................. 0.0170 0.0160 0.0150 0.0075-0.0140
Regional.............................................. 0.0280 0.0250 0.0220 0.0150-0.021
Country............................................... 0.0280 0.0250 0.0220 0.0150-0.021
Transit............................................... 0.0540 0.0530 0.0510 0.0435-0.050

Other Services

Encoding
Below 25,000............................................................. $0.0300
25,000-50,000............................................................ 0.0250
50,000-250,000........................................................... 0.0225
Over 250,000............................................................. 0.0200
Return Items
0-999.................................................................... 0.75
1,000 & Over............................................................. 0.65
Special Handling
Subtotal by Office................................................... 1.50/office total
Selected Account Chargeback.......................................... .025/item
Individual Entries................................................... .50/entry
Telephone Notification less than $2,500.............................. .60/item
Large Dollar Notification (Reg. J.)...................................... 3.00/item
Collection/Settlement Services
Bonds/Coupons Per Envelope
Local/Government..................................................... 5.00
Out-of-Town.......................................................... 7.00
Domestic/Checks.......................................................... 15.00 (Plus Actual)
Canadian Items........................................................... .25/item
Foreign.................................................................. 25.00 (Plus Actual)
Miscellaneous............................................................ Actual
Federal Reserve Settlement Entries....................................... 1.00/entry
Food Coupons............................................................. .02
Non-Processable Items........................................................ 0.15
Cash Services
Currency/Coin Orders..................................................... 3.00/order
Special Orders....................................................... 3.00/order, actual charges
Foreign Currency Orders.............................................. 5.50/order
Currency/Coin Deposits
Standard Packaging................................................... .50/deposit
Non-Standard Packaging............................................... 10.00/deposit
Foreign Currency Deposits............................................ 5.00/deposit
Balance/Availability Reporting............................................... 30.00/month
Endpoint Analysis............................................................ 30.00/each, over two per year
Photocopies/Microfilm Copies................................................. 2.75/copy
Audit.................................................................... 2.75/copy or 20.00/hour + .50
copy, whichever is less
Research..................................................................... 20.00/hour

Minneapolis Regional Center

Deposit Processing Fee Schedule

Deposited Item Charges

Below Over
Description 25,000 25,000-100,000 100,000-250,000 250,000

Local.................................................. .02 .016 .014 .013
RCPC................................................... .032 .025 .018 .016
RCPC-Premium........................................... .045 .04 .035 .03
Country................................................ .04 .038 .036 .035
Transit................................................ .063 .058 .054 .052

Other Services

Encoding
1 to 250,000 items....................................................... $.0250
Over 250,000 items....................................................... .0225
Return Items
Return Items............................................................. .75/item
Special Handling
Subtotal by Office................................................... 1.50/office total
Individual Entries................................................... .50/entry
Telephone Notification less than $2,500.............................. .60/item
Large Dollar Notification (Reg. J.)...................................... 3.00/item
Collection/Settlement Services
Bonds/Coupons Per Envelope
Local/Government..................................................... 5.00
Out-of-Town.......................................................... 7.00
Domestic/Checks.......................................................... 15.00 (Plus Actual)
Canadian Items........................................................... .25/item
Foreign.................................................................. 25.00 (Plus Actual)
Miscellaneous............................................................ Actual
Federal Reserve Settlement Entries....................................... 1.00/entry
Food Coupons............................................................. .04
Non-Processable Items........................................................ .15/item
Cash Services
Currency/Coin Orders..................................................... 2.00/order
Special Orders....................................................... Standard order fee plus actual
charges
Foreign Currency Orders.............................................. 2.50/order
Currency/Coin Deposits....................................................... 2.00/order
Standard Packaging....................................................... .50
Non-Standard Packaging................................................... 10.00
Foreign Currency Deposits................................................ 5.00/deposit
Balance/Availability Reporting............................................... 30.00/month
Endpoint Analysis............................................................ 20.00/day
Photocopies.................................................................. 2.75/copy
Research..................................................................... 20.00/hour

St. Louis Regional Center

Deposit Processing Fee Schedule

Deposit Item Charges

Below Over
Description 25,000 25,000-50,000 50,000-100,000 100,000-200,000 200,000

Local..................................... .024 .022 .020 .018 .017
RCPC...................................... .028 .025 .023 .021 .018
Country................................... .028 .025 .023 .021 .020
Transit................................... .058 .055 .053 .051 .050
Package Sort
Local..................................... .021 .018 .017 .015 .011
RCPC...................................... .025 .022 .020 .018 .017
Country................................... .025 .022 .020 .019 .018
Transit................................... .055 .052 .050 .048 .047

Note: Package Sort prices are available to customers who present deposits separated by item type.

Other Services

Encoding..................................................................... $.025
Return Items
Return Items............................................................. .75/item
Special Handling
Subtotal by Office................................................... 1.50/office total
Individual Entries................................................... .50/entry
Telephone Notification less than $2,500.............................. .60/item
Large Dollar Notification (Reg. J.)...................................... 3.00/item
Collection/Settlement Services
Bonds/Coupons Per Envelope
Local/Government......................................................... 5.00
Out-of-Town.......................................................... 7.00
Domestic/Checks.......................................................... 15.00 (Plus Actual)
Canadian Items........................................................... .25/item
Foreign.................................................................. 25.00 (Plus Actual)
Miscellaneous............................................................ Actual
Federal Reserve Settlement Entries....................................... 1.00/entry
Food Coupons............................................................. .02
Non-Processable Items........................................................ .15/item
Cash Services
Currency/Coin Orders..................................................... 4.00/order
Special Orders....................................................... Standard order fee plus actual
charges
Currency/Coin Deposits
Standard Packaging................................................... .50
Non-Standard Packaging............................................... 2.00
Balance/Availability Reporting............................................... 30.00/month
Endpoint Analysis............................................................ 20.00/day
Photocopies.................................................................. 2.75/copy
Research..................................................................... 20.00/hour

Des Moines Regional Center

Inclearing Processing Fee Schedule

Cycle/
Monthly capture volume Basic fee Daily monthly
(capture) sort\1\\2\ sort\2\

1-25,000.............................. .020 .017 .020
25,001-50,000......................... .016 .013 .016
50,001-75,000......................... .014 .011 .014
75,001-175,000........................ .012 .009 .012
175,001-400,000....................... .010 .007 .010
400,001-750,000....................... .009 .006 .009
750,001-Over.......................... .007 .004 .007
Reject Reentry .04/item
Posting File .0005/item

Return Items

Forward collection only\4\
Volume levels Basic Telephone
service\3\ request\3\ Unqualified Qualified\5\

1-500........................................... $2.65 $3.50 $.60 $.25
501-750......................................... 2.10 NA .60 .25
751-1,000....................................... 1.85 NA .60 .25
1,001-3,000..................................... 1.15 NA .60 .25
3,001-Over...................................... .75 NA .55 .25
Regulation J Notification 3.00/item

\1\Surcharge for same-day return: 15%.
\2\Fees for daily and cycle/monthly return are in addition to the basic fee.
\3\Full service processing. Excludes Large Dollar notification required under Regulations CC and J.
\4\Return items received for forward collection.
\5\Items must be fully qualified using heat sensitive strips.

Other Services

Support Services
Certified Checks......................................................... .50/item
Facsimile Transmission................................................... 1.50/transmission
Microfiche Monthly Reports............................................... 25.00/month
Microfilm of Checks Captured............................................. .01/item
Original Item Return..................................................... 2.75/item
Research................................................................. 20.00/hour
Stop Payments............................................................ 5.00/stop
Telephone Check Inquiry.................................................. 1.00/inquiry
Signature Verification................................................... .35/item
Counter Items
With MICR Encoding....................................................... .04/item
Without MICR Encoding.................................................... .10/item
Photocopies/Microfilm Copies................................................. 2.75/item
Audit.................................................................... 2.75/item or 20.00/hour + .50/
copy, whichever is less
Settlement
Daily Reporting.......................................................... 25.00/month
Settlement Only (Inclearings or returns)................................. 100.00/month
Third Party Settlement................................................... 350.00/month
Special Sorting Options
Account Separators....................................................... .003/item ($175.00 minimum)
Truncated Items Returned Unsorted........................................ .002/item
Truncated Items Returned Sorted.......................................... .012/item ($250.00 minimum)
Sequence Number Order.................................................... .005/item
Other Miscellaneous Fine Sorting......................................... .005/item

Special Services

Backup Service
Set-Up Charge............................................................ 500.00-1,500.00 one time
Monthly Maintenance...................................................... Negotiable plus actual monthly
usage
File Maintenance
Mergers/Acquisitions..................................................... 500.00/each
Multiple R/T Numbers..................................................... 50.00/number/month
Parameter File Maintenance............................................... 25.00/change
Multiple Sorter Pockets.................................................. 300.00/pocket/month
Data Servicer Conversion................................................. 500.00/conversion
Minimum Monthly Charge (Excluding Actual Charges)............................ 250.00

Kansas City Regional Center

Inclearing Processing Fee Schedule

Cycle/
Monthly capture volume Basic fee Daily monthly
(capture) sort\1\\2\ sort\2\

1-50,000.............................. .016 .013 .016
50,001-100,000........................ .014 .011 .014
100,001-175,000....................... .012 .009 .012
175,001-400,000....................... .010 .007 .010
400,001-750,000....................... .009 .006 .009
750,001-Over.......................... .007 .004 .007
Reject Reentry .04/item
Posting File .0005/item

Return Items

Forward collection only\4\
Volume levels Basic Telephone
service\3\ request\3\ Unqualified Qualified\5\

1-750........................................... $1.60-2.65 $3.50 $.75 $.27
751-2,500....................................... 0.95-1.85 NA .70 .27
2,501-Over...................................... 0.65-1.55 NA .65 .23
Regulation J Notification 3.00/item

\1\Surcharge for same-day daily return: 15%
\2\Fees for daily and cycle/monthly return are in addition to the basic fee.
\3\Full service processing. Excludes Large Dollar notification required under Regulations CC and J.
\4\Return items received for forward collection.
\5\Items must be fully qualified using heat sensitive strips.

Other Services

Support Services
Certified Checks......................................................... .50/item
Facsimile Transmission................................................... 1.50/transmission
Microfiche Monthly Reports............................................... 25.00/month
Microfilm of Checks Captured............................................. .01/item
Original Item Return..................................................... 2.75/item
Research................................................................. 20.00/hour
Stop Payments............................................................ 5.00/stop
Telephone Check Inquiry.................................................. 1.00/inquiry
Signature Verification................................................... .35/item
Counter Items
With MICR Encoding....................................................... .04/item
Without MICR Encoding.................................................... .10/item
Photocopies/Microfilm Copies................................................. 2.75/item
Audit.................................................................... 2.75/item or 20.00/hour + .50/
copy, whichever is less
Settlement
Daily Reporting.......................................................... 25.00/month
Settlement Only (Inclearings or Returns)................................. 100.00/month
Third Party Settlement................................................... 350.00/month
Special Sorting Options
Account Separators....................................................... .003/item ($175.00 minimum)
Truncated Items Returned Unsorted........................................ .002/item
Truncated Items Returned Sorted.......................................... .012/item ($250.00 minimum)
Sequence Number Order.................................................... .005/item
Other Miscellaneous Fine Sorting......................................... .005/item

Special Services
Backup Service
Set-Up Charge............................................................ 500.00-1,500.00 one time
Monthly Maintenance...................................................... Negotiable plus actual monthly
usage
File Maintenance
Mergers/Acquisitions..................................................... 500.00/each
Multiple R/T Numbers..................................................... 50.00/number/month
Parameter File Maintenance............................................... 25.00/change
Multiple Sorter Pockets.................................................. 300.00/pocket/month
Data Servicer Conversion................................................. 500.00/conversion
Minimum Monthly Charge (Excluding Actual Charges)............................ 250.00

Minneapolis Regional Center

Inclearing Processing Fee Schedule

Basic fee Cycle/
Monthly capture volume (capture) Daily monthly
sort\2\ sort\1\\2\

Return Items

Telephone forward collection only\4\
Volume levels Basic Premium
service\3\ Request\3\ Unqualified Qualified\5\

1-2,000......................... $1.65-2.65 $3.50 $.70 $.28 $.34
2,001-4,000..................... 1.15-1.90 NA .70 .28 .34
4,001-Over...................... .75-1.65 NA .65 .28 .34
Regulation J Notification 3.00/
item

^{1Surcharge for same-day return: 15%
^{2Fees for daily and cycle/monthly return are in addition to the basic fee.
^{3Full service processing. Excludes large dolllar notification required under Regulation CC an J.
^{4Return items received for forward collection.
^{5Items must be fully qualified using heat sensitive strips.

Other Services

Support Services
Certified Checks......................................................... .50/item
Facsimile Transmission................................................... 1.50/transmission
Microfiche Monthly Reports............................................... 25.00/month
Microfilm of Checks Captured............................................. .01/item
Original Item Return..................................................... 2.75/item
Research................................................................. 20.00/hour
Stop Payments............................................................ 5.00/stop
Telephone Check Inquiry.................................................. 1.00/inquiry
Signature Verification................................................... .35/item
Counter Items
With MICR Encoding....................................................... .04/item
Without MICR Encoding.................................................... .10/item
Photocopies/Microfilm Copies................................................. 2.75/item
Audit.................................................................... 2.75/item or 20.00/hour + .50/
copy, whichever is less
Settlement
Daily Reporting.......................................................... 25.00/month
Settlement Only (Inclearings or Returns)................................. 100.00/month
Third Party Settlement................................................... 350.00/month
Special Sorting Options
Account Separators....................................................... .003/item ($175.00 minimum)
Truncated Items Returned Unsorted........................................ .002/item
Truncated Items Returned Sorted.......................................... .012/item ($250.00 minimum)
Sequence Number Order.................................................... .005/item
Other Miscellaneous Fine Sorting......................................... .005/item

Special Services

Backup Service...........................................................
Set-Up Charge............................................................ 500.00-1,500.00 one time
Monthly Maintenance...................................................... Negotiable plus actual monthly
usage
File Maintenance
Mergers/Acquisitions..................................................... 500.00/each
Multiple R/T Numbers..................................................... 50.00/number/month
Parameter File Maintenance............................................... 25.00/change
Multiple Sorter Pockets.................................................. 300.00/pocket/month
Data Servicer Conversion................................................. 500.00/conversion
Minimum Monthly Charge (Excluding Actual Charges)............................ 250.00

St. Louis Regional Center

Inclearing Processing Fee Schedule

Cycle/
Monthly capture volume Basic fee Daily monthly
(capture) sort\1\\2\ sort\2\

Return Items

Forward collection only\4\
Volume levels Basic Telephone
service\3\ request\3\ Unqualified Qualified\5\

1-500........................................... $2.25 $3.50 $.60 $.20
501-1,000....................................... 2.00 NA .60 .20
1,001-2,500..................................... 1.75 NA .60 .20
2,501-Over...................................... 1.25 NA .50 .20
Regulation J Notification 3.00/item

Other Services

Support Services
Certified Checks......................................................... .50/item
Facsimile Transmission................................................... 1.50/transmission
Microfiche Monthly Reports............................................... 25.00/month
Microfilm of Checks Captured............................................. .01/item
Original Item Return..................................................... 2.75/item
Research................................................................. 20.00/hour
Stop Payments............................................................ 5.00/stop
Telephone Check Inquiry.................................................. 1.00/inquiry
Signature Verification................................................... .35/item
Counter Items
With MICR Encoding....................................................... .04/item
Without MICR Encoding.................................................... .10/item
Photocopies/Microfilm Copies................................................. 2.75/item
Audit.................................................................... 2.75/item or 20.00 hour+.50/copy,
whichever is less
Settlement
Daily Reporting.......................................................... 25.00/month
Settlement Only (Inclearings or Returns)................................. 100.00/month
Third Party Settlement................................................... 350.00/month
Special Sorting Options
Account Separators....................................................... .003/item ($175.00 minimum)
Truncated Items Returned Unsorted........................................ .002/item
Truncated Items Returned Sorted.......................................... .012/item ($250.00 minimum)
Sequence Number Order.................................................... .005/item
Other Miscellaneous Fine Sorting......................................... .005/item

Special Services

Des Moines Regional Center

Proof-of-Deposit (POD) Fee Schedule

Processing Fees

Account Exception
Monthly processing volume* Encoding POD capture Inclearings sequence pull/cycle Rejects
capture sort sort

1-250,000......................... .018 .012 .008 .00600 .00200 .04
250,001-500,000................... .016 .011 .007 .00525 .00175 .04
500,001-1,500,000................. .014 .010 .006 .00450 .00150 .04
1,500,001-3,000,000............... .012 .009 .005 .00375 .00125 .04
3,000,000-Over.................... .010 .008 .004 .00300 .00100 .04

*Monthly processing volume represents the sum of POD Capture and Inclearings Capture.

Other Fees

Return processing and other existing ancillary inclearing services........... Available upon request

Clearing Fees

Deposited items.............................................................. Local $.01
RCPC .018
RCPC-Prem. .043
Transit .049

Relationship Fees

Account Maintenance.......................................................... $12.00
Daily Statements
Via SMARTS........................................................... No Charge
Paper Daily Advice (per day)......................................... 2.50
Balance Reporting-Manual................................................. 75.00
Credit Transactions.................................................. 0.35
Debit Transactions................................................... 0.15
SMARTS Electronic Connection, Basic.................................. No Charge
Wire Transfer
Incoming............................................................. 3.00
Outgoing............................................................. 4.00
With Phone Advice.................................................. 6.00
Internal Transfer.................................................... No Charge
Collections
Bonds/Coupons Per Envelope
Local/Government..................................................... 5.00
Out-of-Town.......................................................... 7.00
Domestic/Checks.......................................................... 15.00 (Plus Actual)
Canadian Items........................................................... .25
Foreign Collections...................................................... 25.00 (Plus Actual)
Food Coupons--Loose...................................................... 0.03
Food Coupons--Full Straps................................................ 0.15

Terms of Account

Payment of Processing Fees and Clearing Fees are made by a
direct charge to the account or by payment of our invoice. Payment
of Relationship Fees are made only by balance compensation.
Payment of Processing Fees and Clearing Fees are also available
by balance compensation at slightly different rates. Contact the
Federal Home Loan Bank for prices.
The earnings credit rate is based on the average discount rate
of the 91-Day Treasury Bill auction of the current month. Interest
that approximates the Fed Funds rate will be paid to the account for
excess balances. Deficient balances will be charged at the average
Fed Funds rate of the current month.
Prices are subject to change without notice.

Kansas City Regional Center

Proof-of-Deposit (POD) Fee Schedule

Processing Fees

Account Exception
Monthly processing volume* Encoding POD capture Inclearings sequence pull/cycle Rejects
capture sort sort

1-250,000......................... .022 .012 .008 .00600 .00200 .04
250,001-500,000................... .020 .011 .007 .00525 .00175 .04
500,001-1,500,000................. .018 .010 .006 .00450 .00150 .04
1,500,001-3,000,000............... .016 .009 .005 .00375 .00125 .04
3,000,000-Over.................... .014 .008 .004 .00300 .00100 .04

*Monthly processing volume represents the sum of POD Capture and Inclearings Capture.

Other Fees

Return processing and other existing ancillary inclearing services........... Available upon request.

Clearing Fees

Deposited items.............................................................. Local $.010
Country .021
Transit .045

Relationship Fees

Account Maintenance.......................................................... $12.00
Daily Statements
Via SMARTS........................................................... No Charge
Paper Daily Advice (per day)......................................... 2.50
Balance Reporting--Manual................................................ 75.00
Credit Transactions...................................................... 0.35
Debit Transactions....................................................... 0.15
SMARTS Electronic Connection, Basic...................................... No Charge
Wire Transfer
Incoming................................................................. 3.00
Outgoing................................................................. 4.00
With Phone Advice.................................................... 6.00
Internal Transfer........................................................ No Charge
Collections
Bonds/Coupons Per Envelope...............................................
Local/Government..................................................... 5.00
Out-of-Town.......................................................... 7.00
Domestic/Checks.......................................................... 15.00 (Plus Actual)
Canadian Items........................................................... .25
Foreign Collections...................................................... 25.00 (Plus Actual)
Food Coupons--Loose...................................................... 0.0225
Food Coupons--Full Straps................................................ 0.15

Terms of Account

Minneapolis Regional Center

Proof-of-Deposit (POD) Fee Schedule

Processing Fees

Account Exception
Monthly processing volume* Encoding POD capture Inclearings sequence pull/cycle Rejects
capture sort sort

*Monthly processing volume represents the sum of POD Capture and Inclearings Capture.

Other Fees

Return processing and other existing ancillary inclearing services........... Available upon request.

Clearing Fees

Deposited items.............................................................. City $.01
RCPC $.02
Country $.0285
Transit $.055

Relationship Fees

Account Maintenance.......................................................... $12.00
Daily Statements
Via SMARTS........................................................... No Charge
Paper Daily Advice (per day)......................................... 2.50
Balance Reporting--Manual............................................ 75.00
Credit Transactions.................................................. 0.35
Debit Transactions................................................... 0.15
SMARTS Electronic Connection, Basic.................................. No Charge
Wire Transfer
Incoming............................................................. 3.00
Outgoing............................................................. 4.00
With Phone Advice.................................................... 6.00
Internal Transfer........................................................ No Charge
Collections
Bonds/Coupons Per Envelope
Local/Government..................................................... 5.00
Out-of-Town.......................................................... 7.00
Domestic/Checks.......................................................... 15.00 (Plus Actual)
Canadian Items........................................................... .25
Foreign Collections...................................................... 25.00 (Plus Actual)
Food Coupons--Loose...................................................... 0.04

Terms of Account

St. Louis Regional Center

Proof-of-Deposit (POD) Fee Schedule

Processing Fees

Account Excepton
Monthly processing volume* Encoding POD capture Inclearings sequence pull/cycle Rejects
capture sort sort

1-250,000......................... .020 .012 .008 .00600 .00200 .04
250,001-500,000................... .018 .011 .007 .00525 .00175 .04
500,001-1,500,000................. .016 .010 .006 .00450 .00150 .04
1,500,001-3,000,000............... .014 .009 .005 .00375 .00125 .04
3,000,000-Over.................... .012 .008 .004 .00300 .00100 .04

*Monthly processing volume represents the sum of POD Capture and Inclearings Capture.

Other Fees

Return processing and other existing ancillary inclearing services........... Available upon request.

Clearing Fees

Deposited items.............................................................. Local $.01
RCPC $.018
Country $.017
Transit $.05

Relationship Fees

Account Maintenance.......................................................... $12.00
Daily Statements
Via SMARTS........................................................... No Charge
Paper Daily Advice (per day)......................................... 2.50
Balance Reporting--Manual................................................ 75.00
Credit Transactions...................................................... 0.35
Debit Transactions....................................................... 0.15
SMARTS Electronic Connection, Basic...................................... No Charge
Wire Transfer
Incoming................................................................. 3.00
Outgoing................................................................. 4.00
With Phone Advice.................................................... 6.00
Internal Transfer........................................................ No Charge
Collections
Bonds/Coupons Per Envelope
Local/Government..................................................... 5.00
Out-of-Town.......................................................... 7.00
Domestic/Checks.......................................................... 15.00 (Plus Actual)
Canadian Items........................................................... .25
Foreign Collections...................................................... 25.00 (Plus Actual)
Food Coupons--Loose...................................................... 0.02

Terms of Account

Payment of Processing Fees and Clearing Fees are made by a
direct charge to the account or by payment of our invoice. Payment
of Relationship Fees are made only by balance compensation.
Payment of Processing Fees and Clearing Fees are also available
by balance compensation of slightly different rates. Contact the
Federal Home Loan Bank for prices.
The earnings credit rate is based on the average discount rate
of the 91-Day Treasury Bill auction of the current month. Interest
that approximates the Fed Funds rate will be paid to the account for
excess balances. Deficient balances will be charged at the average
Fed Funds rate of the current month.
Prices are subject to change without notice.

Des Moines, Minneapolis, Kansas City and St. Louis Regional Centers

Lockbox Fee Schedule

Basic Service

Open envelope; screen per instructions; verify payee, signature
and amount. Record data on check, remittance, envelope, or
correspondence as requested. Balance checks to remittances and post
credits to account specified.

Mortgage................................................................. $.12-.25
Consumer................................................................. .09-.15
Retail-Commercial........................................................ .07-.15
Wholesale-Commercial..................................................... .15-.55
Credit Card.............................................................. .07-.15
Data Capture and Transmit................................................ .015-.030
Includes use of derogatory file as required..............................
Rejects pulled, balanced and returned per instructions...................
Item Preparation Charge; Data Entry As required. Includes preparation of new .05/item
or substitute machine-readable documents.
Microfilm Remittances or Checks.............................................. .01/item
Credit/Posting Advice........................................................ .25/advice
Photocopies
Recurring................................................................ .05/copy
On Request............................................................... .25/copy
Facsimile Transmissions
Recurring................................................................ .85/page
On Request............................................................... 1.50/page
Microfilm Copies............................................................. 2.75/copy
Payment Discounts Calculated................................................. .25/discount
Telephone Inquiry or Notification............................................ 1.00/call
Foreign Item Processing
U.S. Dollars............................................................. .75/check
Foreign Currency......................................................... 3.50/check
Process Cash Payment......................................................... 5.00/each
Daily Reporting.............................................................. 50.00/month
Courier/Postage.............................................................. Actual
Storage: Envelopes and remittance material retained unsorted for 14 days and Negotiated
destroyed Safekeeping beyond 14 days.
Minimum Monthly Billing...................................................... 175.00
(Excludes Actual Charges)................................................
New Account Set-Up........................................................... 50.00-500.00
Special Services............................................................. Negotiated

Statement Rendering Fee Schedule

Statements Per Month, Non-Truncated
First 5,000.............................................................. $.18
Next 5,000............................................................... .165
Over 10,000.............................................................. .15
Statements Per Month, Truncated.............................................. .05
Statement Inserts............................................................ .01
Other Mailings............................................................... .05
Surcharge for One Cycle Per Month............................................ 10%
Fine Sort Counter Items for Statement Insertion.............................. .005
Sort Counter Items Without MICR.............................................. .02
Courier, Postage and Envelopes............................................... Actual
Pre-Sort Only................................................................ .02/item

Note: Members that have changed Data Processors or have more than one MICR account number corresponding to one
statement account number are subject to additional fees.

Pricing to Forward Cycle Items to Data Processor for Statement Handling

Insertion of Trigger/Separator Tickets
Sorting.................................................................. $.003/item
Trigger Ticket Expense................................................... .012/account
Insertion of Rejects......................................................... .040/reject
Photocopies of Missing Items................................................. 2.75/copy
Courier, Postage and Boxes................................................... Actual
Monthly Fee for Special Handling............................................. 25.00/cycle
($75.00 minimum)

District. 10.--Federal Home Loan Bank of Topeka (1994 NOW/DDA Services)

Cash Letter Processing

Encoded Processing Fees

State Local RCPC Country Transit

Colorado.................................................... $.015 $.023 $.029 $.067
Nebraska.................................................... .025 .038 .038 .067
Oklahoma.................................................... .025 .038 .038 .067
Kansas...................................................... .020 .039 .039 .067

Other Cash Letter

Encoding Fee................................................................. .023 per item
Rejects on Encoded Items..................................................... .15 per item
Returns/Redeposits........................................................... .80 per item
Collections.................................................................. 6.50 per item
Coin and Currency............................................................ 2.50 per call
Courier/Armored Car Cost..................................................... As charged
Research/Mass Photocopy...................................................... .15 per item/$12/hour
ACH Settlement............................................................... .50 per trans.
Item Retrieval............................................................... 2.25 per item
Facsimile.................................................................... 1.75 per page
Postage...................................................................... At cost
Electronic Inquiry........................................................... No charge

Demand Disbursement Processing

Full Service DDA
Cycled................................................................... .15 per item
Truncated................................................................ .12 per item
Basic DDA
Cycled................................................................... .11 per item
Truncated................................................................ .08 per item
Additional DDA Fees
Large Item Return Notification........................................... 3.00 per item
Mass Photocopy Requests.................................................. .15 per item/$12/hour
Additional Statement..................................................... 2.00 per statement
Item Retrieval........................................................... 2.25 per item
Facsimile................................................................ 1.75 per page
Postage.................................................................. At cost
Monthly Maintenance Fee
User..................................................................... $25
Non-user................................................................. $50
(User is any customer that also utilizes the Bank for item or cash letter processing or clears at least 100
checks per month.

Inclearing Processing (fees are per item)

1-10,000...................................... .018 .035
10,001-25,000................................. .016 .034
25,001-50,000................................. .014 .031
50,001-100,000................................ .012 .026
100,001-250,000............................... .009 .020
250,001-500,000............................... .009 .015
500,001-750,000............................... .008 .013
750,001-1,000,000............................. .008 .011
1,000,001-above............................... .007 .010
(Transit items charged to cash letter fees)

Proof of deposit processing items per month Fee

1-10,000.............................................. $.020
10,001-25,000......................................... .018
25,001-50,000......................................... .015
50,001-100,000........................................ .013
100,001-250,000....................................... .011
250,001-500,000....................................... .010
500,001-750,000....................................... .009
750,001-1,000,000..................................... .008
1,000,001-above....................................... .007
Item account number sort fee.......................... .010

Return item per month Fee

1-2,500............................................... $1.41
2,501-4,000........................................... 1.11
4,001-6,000........................................... .76
6,001-8,000........................................... .46
8,001-12,000.......................................... .41
12,001-above.......................................... .36
Other inclearing fees (per month unless otherwise)
Minimum Processing Fee............................ $500
Settlement w/FHLB Processing...................... No fee
Settlement Only................................... 100
Item Retrieval (per item)......................... 2.25
Mass Photocopy ($12 per hour and per item of)..... .15
Over-the-Counter Items (Per item)................. .03
Large Item Return Notification (Per item)......... 3.00
Facismie (Per item)............................... 1.75
Postage........................................... At cost

Statement and Lockbox Processing

Statement processing
Truncated Statement............................... .08
Cycled Statement.................................. .20
Per Insert........................................ .01
Postage........................................... At cost
Envelopes/Statements.............................. By user
Electronic Statement Printing..................... .03
($150 minimum monthly fee)........................ Per image
Lockbox Processing (per item)
1-50,000 monthly items............................ .110
50,001-80,000 monthly items....................... .105
80,001-120,000 monthly items...................... .100
120,001-160,000 monthly items..................... .095
160,001-above monthly items....................... .090
Exception Item Review/Processing.................. .070
Photocopy Retrieval............................... 2.25
Postage........................................... At cost
Monthly Processing Fee............................ $100

Safekeeping and Wire Transfer and Reserve Processing

Safekeeping processing
Transaction Fees
Federal Reserve Book-entry Securities......... 5.00
Reclaims and DKs.............................. 2.50
PTC Depository GNMAs and DTCs................. 35.00
Physical Securities........................... 40.00
Euro/Cedel Securities......................... 75.00
Interest Payment Fees
Federal Reserve Principal & Interest.......... 5.00
PTC, DTC and Physical P&I..................... 8.50
Segregation and Pledge Activity Fees
Joint Custody, Pledges to Third Party, Pledges 10.00
to the Bank as Collateral for Advances, Other
Pledges, Segregation and Pledge Releases.
Account Maintenance Fees
Federal Reserve Book-entry Securities......... 5.50
Other......................................... 6.50
In-house...................................... .25
Registration, Postage, other miscellaneous.... At cost
Wire transfer processing fee
Incoming.......................................... 3.65
Outgoing.......................................... 5.65
Pass-through Reserves (per month)................. 25.00

District 11.--Federal Home Loan Bank of San Francisco (1994 NOW/DDA
Services)

(Services not provided)

District 12.--Federal Home Loan Bank of Seattle (1994 NOW/DDA Services)

(Services not provided)

By the Federal Housing Finance Board
Rita I. Fair,
Acting Managing Director.
[FR Doc. 94-19498 Filed 8-10-94; 8:45 am]}}}}}

Visit the Official Version

Document Information

Published:: 08/11/1994
Department:: Federal Housing Finance Board
Entry Type:: Uncategorized Document
Action:: Notice of Prices for Federal Home Loan Bank Services.
Document Number:: 94-19498
Dates:: August 11, 1994.
Pages:: 0-0 (1 pages)
Docket Numbers:: Federal Register: August 11, 1994, No. 94-NO3