+-------+---+-----------------------+-----------+-----------------+---+
| # O   | # |                       |           |                 | # |
|       | # |                       |           |                 |   |
| ##    | # |                       |           |                 |   |
|       | # |                       |           |                 | # |
|       |   |                       |           |                 |   |
|       | O |                       |           |                 |   |
|       | C |                       |           |                 | # |
|       | C |                       |           |                 | # |
|       |   |                       |           |                 |   |
|       | 2 |                       |           |                 |   |
|       | 0 |                       |           |                 |   |
|       | 0 |                       |           |                 |   |
|       | 0 |                       |           |                 |   |
|       | - |                       |           |                 |   |
|       | - |                       |           |                 |   |
|       | 3 |                       |           |                 |   |
|       | 0 |                       |           |                 |   |
|       |   |                       |           |                 |   |
+-------+---+-----------------------+-----------+-----------------+---+
|       | * |                       |           |                 |   |
|       | * |                       |           |                 |   |
|       | O |                       |           |                 |   |
|       | C |                       |           |                 |   |
|       | C |                       |           |                 |   |
|       | B |                       |           |                 |   |
|       | U |                       |           |                 |   |
|       | L |                       |           |                 |   |
|       | L |                       |           |                 |   |
|       | E |                       |           |                 |   |
|       | T |                       |           |                 |   |
|       | I |                       |           |                 |   |
|       | N |                       |           |                 |   |
|       | * |                       |           |                 |   |
|       | * |                       |           |                 |   |
+-------+---+-----------------------+-----------+-----------------+---+
| ## Co |   |                       |           |                 |   |
| mptro |   |                       |           |                 |   |
| ller  |   |                       |           |                 |   |
| of th |   |                       |           |                 |   |
| e Cur |   |                       |           |                 |   |
| rency |   |                       |           |                 |   |
|       |   |                       |           |                 |   |
| > Adm |   |                       |           |                 |   |
| inist |   |                       |           |                 |   |
| rator |   |                       |           |                 |   |
| > of  |   |                       |           |                 |   |
| > Nat |   |                       |           |                 |   |
| ional |   |                       |           |                 |   |
| >     |   |                       |           |                 |   |
| Banks |   |                       |           |                 |   |
+-------+---+-----------------------+-----------+-----------------+---+
| #     |   | ## Notice of          | ## Des    | ## Year 200     |   |
| # Sub |   | Comptroller of Curren | cription: | 1 Fee Structure |   |
| ject: |   | cy Fees for year 2001 |           |                 |   |
+-------+---+-----------------------+-----------+-----------------+---+

TO: Chief Executive Officers of All National Banks, Department and
Division Heads, and All Examining Personnel

The purpose of this bulletin is to inform all national banks of fees
charged by the Office of the Comptroller of the Currency (OCC) for year
2001. Unless otherwise specified, all fees are effective on January 1,
2001.

##### SEMIANNUAL ASSESSMENT

Reference: 12 CFR 8.2

Effective date: Assessments due January 31 and July 31, 2001.

##### Assessment Changes

The OCC is implementing the following changes effective the 12/31/00
assessment period:

1.  The assessment regulation allows the OCC to adjust its assessment
    rates annually for inflation. For the previous six years the OCC has
    waived the inflationary adjustment. For 2001, the OCC will reinstate
    the inflation adjustment that was suspended six years ago; however,
    the reinstated inflation adjustment will apply only to the first
    \$20 billion in assets. The assessment fee schedule below reflects
    this 2 percent increase.

2.  Independent trust banks are subject to an additional fee based on
    total assets under management. The fee is computed according to the
    schedule below and is in addition to the general assessment.

3.  The OCC will no longer give prorated refunds of assessments for
    institutions that leave the national banking system part way through
    an assessment period.

4.  The hourly rate for special examinations has been increased from
    \$49 to \$110.

The OCC's assessment schedule continues to include a 25 percent
surcharge for national banks that require increased supervisory
resources. The surcharge ensures that fees reflect the increased cost of
supervision that applies to those banks, and federal branches and
federal agencies of foreign banks, rated 3,4, or 5 under the Uniform
Financial Institution Rating System (UFIRS) or the risk management,
operational controls, compliance and asset quality (ROCA) rating system
as of the call date subject to the assessment (*i.e.*, December 31,
2000, or June 30, 2001). National banks, and federal branches and
federal agencies of foreign banks, that are subject to the surcharge
determine their assessment by multiplying the original assessment by an
additional 25 percent.

The OCC will continue to reduce the assessment of non-lead national
banks by 12 percent. The rule defines a non-lead bank as a national bank
that is not the largest national bank, based on total assets, controlled
by a company owning two or more national banks. Non-lead national banks
within any company should multiply their calculated assessment by 0.88
to recognize the 12 percent discount. The 12 percent discount also
applies to non-lead federal branches and agencies.

Each national bank, District of Columbia bank, or federal branch or
agency, should calculate its assessment using the schedules below and
then make adjustments for the non-lead discount or condition surcharge.

**Assessment Fee Schedule**

+-------------+-------------+-------------+-------------+-------------+
| If the      |             | Assessment  |             |             |
| amount of   |             | will be:    |             |             |
| total       |             |             |             |             |
| balance     |             |             |             |             |
| sheet       |             |             |             |             |
| assets      |             |             |             |             |
| (c          |             |             |             |             |
| onsolidated |             |             |             |             |
| domestic    |             |             |             |             |
| and foreign |             |             |             |             |
| su          |             |             |             |             |
| bsidiaries) |             |             |             |             |
| is:         |             |             |             |             |
+-------------+-------------+-------------+-------------+-------------+
| Over        | But Not     | This Amount | Plus        | Of Excess   |
|             | Over        |             |             | Over        |
+-------------+-------------+-------------+-------------+-------------+
| \$ 0        | \$ 2        | \$ 0        | 0.001605718 | \$ 0        |
|             | Million     |             |             |             |
| 2 Million   |             | 3,211       | 0.000200717 | 2 Million   |
|             | 20 Million  |             |             |             |
| 20 Million  |             | 6,824       | 0.000160572 | 20 Million  |
|             | 100 Million |             |             |             |
| 100 Million |             | 19,670      | 0.000104372 | 100 Million |
|             | 200 Million |             |             |             |
| 200 Million |             | 30,107      | 0.000088314 | 200 Million |
|             | 1,000       |             |             |             |
| 1,000       | Million     | 100,758     | 0.000072257 | 1,000       |
| Million     |             |             |             | Million     |
|             | 2,000       | 173,015     | 0.000064230 |             |
| 2,000       | Million     |             |             | 2,000       |
| Million     |             | 429,935     | 0.000054651 | Million     |
|             | 6,000       |             |             |             |
| 6,000       | Million     | 1,195,049   | 0.000050403 | 6,000       |
| Million     |             |             |             | Million     |
|             | 20,000      | 2,203,109   | 0.000033005 |             |
| 20,000      | Million     |             |             | 20,000      |
| Million     |             |             |             | Million     |
|             | 40,000      |             |             |             |
| 40,000      | Million     |             |             | 40,000      |
| Million     |             |             |             | Million     |
+-------------+-------------+-------------+-------------+-------------+

####### Independent Trust Bank Fee Schedule

+-------------+-------------+-------------+-------------+-------------+
| If the      |             | Independent |             |             |
| amount of   |             | Trust Bank  |             |             |
| total       |             | Fee will    |             |             |
| assets      |             | be:         |             |             |
| under       |             |             |             |             |
| management  |             |             |             |             |
| is:         |             |             |             |             |
+-------------+-------------+-------------+-------------+-------------+
| Over        | But Not     | This Amount | Plus        | Of Excess   |
|             | Over        |             |             | Over        |
+-------------+-------------+-------------+-------------+-------------+
| \$ 0        | \$ 1,000    | \$ 18,750   | 0.000000000 | \$ 0        |
|             | Million     | 18,750      |             |             |
| 1,000       |             | 52,500      | 0.000003750 | 1,000       |
| Million     | 10,000      |             |             | Million     |
| 10,000      | Million     | 108,750     | 0.000000625 |             |
| Million     | 100,000     |             |             | 10,000      |
|             | Million     |             | 0.000000400 | Million     |
| 100,000     |             |             |             |             |
| Million     |             |             |             | 100,000     |
|             |             |             |             | Million     |
+-------------+-------------+-------------+-------------+-------------+

**[HOURLY RATE FOR EXAMINATIONS AND INVESTIGATIONS]{.underline}**

Reference: 12 CFR 8.6

Effective date: Examinations and investigations subject to the fee
beginning after January 1, 2001.

Rate: \$110.00 per hour to recover the cost of conducting special
examinations and investigations described in 12 CFR 8.6.

**[CORPORATE FEES]{.underline}** [1/]{.underline}

Reference: 12 CFR 5.5

**Payment of Fees**

Fees should be paid by check. Checks should be made payable to the
"Comptroller of the Currency" and accompany the application.

**The Corporate Fee Schedule** is as follows:

+------------------------------------------+---------------------------+
| **Application Type**                     | **Fee**                   |
+------------------------------------------+---------------------------+
| **New National Bank Charter**            | \$15,000                  |
|                                          |                           |
| Standard                                 | 7,500                     |
|                                          |                           |
| Streamlined                              | 3,000                     |
|                                          |                           |
| > Expedited                              | 0                         |
|                                          |                           |
| Low- and Moderate-Income Area            |                           |
| [2]{.underline}/                         |                           |
+------------------------------------------+---------------------------+
| **Conversion to a National Bank**        | 5,000                     |
|                                          |                           |
| Standard                                 | 2,500                     |
|                                          |                           |
| Expedited                                |                           |
+------------------------------------------+---------------------------+
| **Business Combination**                 | 6,000                     |
| [3]{.underline}/                         |                           |
|                                          | 2,000                     |
| Standard                                 |                           |
|                                          | 4,000                     |
| Expedited - Business Reorganization      |                           |
| [3]{.underline}/                         |                           |
|                                          |                           |
| > Expedited - Streamlined Application    |                           |
| > [3]{.underline}/                       |                           |
+------------------------------------------+---------------------------+
| **Failure Resolution**                   | 7,500                     |
|                                          |                           |
| > Acquisition by de novo Group           | 2,000                     |
| >                                        |                           |
| > Acquisition by Existing Bank, Bank     |                           |
| > Holding Company, or Experienced Group  |                           |
+------------------------------------------+---------------------------+
| **Branches** [4]{.underline}/            | 350                       |
|                                          |                           |
| Standard                                 | 0                         |
|                                          |                           |
| Expedited                                | 0                         |
|                                          |                           |
| Low- and Moderate-Income Area            |                           |
| [2]{.underline}/ or Indian Reservations  |                           |
| [4]{.underline}/                         |                           |
+------------------------------------------+---------------------------+
| **Branch Relocation**                    | 350                       |
|                                          |                           |
| Standard                                 | 0                         |
|                                          |                           |
| Expedited                                | 0                         |
|                                          |                           |
| > Short-Distance                         |                           |
+------------------------------------------+---------------------------+
| **Main Office Relocation**               | 0                         |
|                                          |                           |
| To Existing Branch Within City Limits    | 700                       |
|                                          |                           |
| Other - Standard                         | 350                       |
|                                          |                           |
| Other - Expedited                        |                           |
+------------------------------------------+---------------------------+
| **Subsidiary** [5/]{.underline}          | 2,700                     |
|                                          |                           |
| Standard                                 | 1,350                     |
|                                          |                           |
| Expedited [6]{.underline}/               | as as above +100 for each |
|                                          | add'l bank                |
| Multi-Bank Op Sub                        |                           |
|                                          | 500                       |
| After-the-Fact (Financial Subsidiary     |                           |
| only)                                    |                           |
+------------------------------------------+---------------------------+
| **Change in Bank Control**               | 10,000                    |
| [7]{.underline}/                         |                           |
|                                          | 5,000                     |
| > New Entrant to System                  |                           |
|                                          | 2,000                     |
| After-the-Fact                           |                           |
|                                          |                           |
| Existing Officer/Director/National Bank  |                           |
+------------------------------------------+---------------------------+
| **Increase in Permanent Capital**        | 500                       |
| [8]{.underline}/                         |                           |
|                                          | 250                       |
| Standard Request For Approval            |                           |
|                                          |                           |
| Expedited Request For Approval           |                           |
+------------------------------------------+---------------------------+
| **Reduction in Permanent Capital**       | 500                       |
| [9]{.underline}/                         |                           |
|                                          | 250                       |
| Standard                                 |                           |
|                                          |                           |
| Expedited                                |                           |
+------------------------------------------+---------------------------+
| **Subordinated Debt as Capital**         | 1,000                     |
| [10]{.underline}/                        |                           |
|                                          | 500                       |
| Standard Application For Approval        |                           |
|                                          | 250                       |
| Expedited Approval                       |                           |
|                                          |                           |
| Request to Prepay                        |                           |
+------------------------------------------+---------------------------+
| **Fiduciary Powers**                     | 1,600                     |
|                                          |                           |
| Standard                                 | 800                       |
|                                          |                           |
| Expedited                                |                           |
+------------------------------------------+---------------------------+
| **Bank Service Corporation**             | 2,000                     |
|                                          |                           |
| Standard                                 | 1,000                     |
|                                          |                           |
| Expedited                                |                           |
+------------------------------------------+---------------------------+
| **Stock Appraisal** [11]{.underline}/    | 8,200                     |
+------------------------------------------+---------------------------+
| **Section 914 Notice** (Changes in       | 35                        |
| Directors or Senior Executive Officers)  |                           |
+------------------------------------------+---------------------------+
| **Investment in Bank Premises**          | 0                         |
+------------------------------------------+---------------------------+
| **Federal Branches and Agencies**        | 10,500                    |
| [12]{.underline}/                        |                           |
|                                          | 1,000                     |
| Initial Federal Branch or Agency         |                           |
|                                          | 500                       |
| Additional Federal Branch or Agency      |                           |
|                                          | 350                       |
| Standard                                 |                           |
|                                          | 0                         |
| Expedited                                |                           |
|                                          | 0                         |
| Relocation                               |                           |
|                                          | 3,600                     |
| Standard [13]{.underline}/               |                           |
|                                          | 1,800                     |
| Expedited                                |                           |
|                                          | 700                       |
| > Short-Distance                         |                           |
|                                          | 350                       |
| Change of Status - State to Federal      |                           |
|                                          | 1,600                     |
| > Standard                               |                           |
| >                                        | 800                       |
| > Expedited                              |                           |
| >                                        | 0                         |
| > Change of Status - Other               |                           |
| > [14]{.underline}/                      |                           |
| >                                        |                           |
| > Standard                               |                           |
| >                                        |                           |
| > Expedited                              |                           |
|                                          |                           |
| Fiduciary Powers                         |                           |
|                                          |                           |
| Standard                                 |                           |
|                                          |                           |
| Expedited                                |                           |
|                                          |                           |
| Voluntary Liquidation                    |                           |
+------------------------------------------+---------------------------+

**[CORPORATE FEES - Footnotes]{.underline}**

[1]{.underline}/ Expedited processing is available to eligible banks as
defined in Parts 5 and 28. Applicants may request a reduced fee for
transactions requiring multiple filings, steps, or banks. Applicants
requesting reduced fees should consult with the appropriate district
office in advance of filing. Generally, fee concessions are not granted
unless savings in OCC's processing cost are demonstrated.

[2]{.underline}/ The OCC does not require a corporate filing fee for
applications for new national bank charters or branches to be located in
a low- or moderate-income area as defined in 12 CFR 25.12(l), (n)(l),
and (n)(2), and where no other depository institution operates a branch
or main office.

> A charter application limited to trust activities or credit card
> operations sponsored by an eligible national bank, or by a company
> whose lead bank is an eligible national bank, will be charged the
> expedited review fee. However, the application is not eligible for
> expedited review.

[3]{.underline}/ The stated fees are for a transaction involving two
banks. If more than two *affiliated* banks are involved and if the
following criteria are met, the OCC may charge a fee of \$100 for each
additional intrastate charter and \$200 for each additional interstate
charter involved in the transaction. Otherwise, additional fees will be
required equal to no more than one-half the stated fee times the number
of banks, based on the marginal increases in OCC's processing costs
attributable to the additional banks. *Criteria:* a) the acquiring bank
is eligible, b) current national bank assets exceed non-national bank
assets, and c) the combination presents no expected complications.

> An application that does not qualify for expedited review because it
> involves either an interim bank, a trust bank, or credit card bank, is
> nonetheless charged the Expedited - Business Reorganization fee if (1)
> the interim bank is merging with an eligible bank or (2) the trust
> bank or credit card bank is a subsidiary of a bank holding company
> whose lead bank is an eligible national bank, or is a subsidiary of an
> eligible national bank. However, the application is not eligible for
> expedited review.
>
> The definition of business reorganization is found at 12 CFR
> 5.33(d)(2). The definition of a streamlined application is found at 12
> CFR 5.33(j)(1).

The "Expedited - Business Reorganization" fee is charged for branch
purchase and assumption transactions between affiliated institutions.

4/ The fee listed is for one branch. Multiple branches filed together
and published on the same date may be charged \$100 per additional bank
branch. The OCC does not require a corporate filing fee for applications
for branches to be located on an Indian reservation.

[5]{.underline}/ These fees apply to both operating and financial
subsidiaries, unless otherwise noted.

[6]{.underline}/ The bank must be eligible and the activity must qualify
for expedited review.

[7]{.underline}/ The fee for a change in bank control filing should be
borne by the party(ies) acquiring the shares. The fee for increases by
an existing officer or director is available for persons who have been
associated with the bank for more than three years.

[8]{.underline}/ A national bank generally need only submit a notice to
increase its permanent capital. However, prior OCC approval is required
to increase permanent capital if a bank is required by the OCC to obtain
prior approval; it plans to sell common or preferred stock for
consideration other than cash; or it will receive a material noncash
contribution to capital surplus.

[9]{.underline}/ Includes distributions from surplus or surplus accounts
(unless to pay dividends from surplus that was transferred from prior
period earnings); acquisitions of treasury stock; or retirement of
outstanding shares. The expedited fee is appropriate for an application
to conduct a reverse stock split. No fee is required for applications to
pay dividends pursuant to 12 USC 60(b).

[10]{.underline}/ Prior approval is required if the OCC has notified the
bank that it must receive prior approval or the bank will become
inadequately capitalized after the transaction. Otherwise, a bank may
issue subordinated debt without prior OCC approval. However, if the bank
would like the subordinated debt to count as Tier 2 capital, it must
provide the OCC with notification after the debt has been issued. No fee
is charged for this request. No approval is required for eligible banks
to repay subordinated debt.

[11]{.underline}/ The fee for a stock appraisal must be borne by the
surviving bank after a merger transaction.

[12]{.underline}/ After‑the‑fact merger applications could be subject to
a fee. If a fee is required, it will be determined based on the specific
circumstances surrounding the transaction.

[13]{.underline}/ Interstate relocations are processed under standard
procedures.

  ----------------------------------------------------- -----------------
  [14]{.underline}/ There is no fee for a downgrade in  
  the status of the federal branch or agency.           

                                                        
  ----------------------------------------------------- -----------------

**[PUBLICATIONS]{.underline}**:

The OCC has an extensive list of hard-copy publications available for a
fee, as well as publications available free of charge. For a list of
hard-copy publications and current prices, please consult the attached
price list. Please note that publication prices are subject to change
before the next schedule of fees is published.

Copies of an array of items, including news releases, job announcements,
issuances (such as bulletins, advisories, and alerts) and other
materials may be downloaded free of charge from the agency's Web site
at: http://www.occ.treas.gov. For your convenience, the site contains a
search engine to locate materials by subject.

**[MISCELLANEOUS FEES]{.underline}**:

Prepayment is *required* for bank histories and certifications.

Bank Histories

> Bank histories are provided to determine the successor to an inactive
> national bank. It includes corporate transactions such as name
> changes, mergers, closings and the current address of the successor
> institution, if available.

History − for single bank:

> Less than 50 years \$ 50.00
>
> Fifty years or more \$ 125.00

Certificates relating to corporate bank activities \$ 100.00

Title Changes

Mergers

Articles of Association

Declaration of Insolvency

Charter

Corporate Existence

Fiduciary Powers

Certificate of Authenticity (12 CFR 4) \$ 100.00

Copies of certificates \$ 10.00

Freedom of Information Act and Privacy Act Requests:

> Search and review \$ 30.00 an hour

Photocopying \$ 0.15 a page

Examination Reports:

Initial Copy Free

Additional Copies − Each \$ 10.00

Special Requests − Each \$ 50.00

[\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_]{.underline}

Edward J. Hanley

Senior Deputy Comptroller for Administration

and Chief Financial Officer

Attachment − OCC Publications List