Schedule of Service Charges

Effective October 6, 2006

PERSONAL CHECKING
More Than Free Checking No Minimum Balance No Monthly Service Charge	Harvest Gold Account Average Monthly Balance N/A Checking/Savings/CDs/Personal Loans Combined $15,000 No Charge Below Relationship Minimum $22.00 monthly Special Program Checks No Charge
50+ Free Interest Checking No Minimum Balance No Monthly Maintenance Fee Special program Checks No Charge	Free Interest Checking With Monthly Direct Deposit No Charge
Low Minimum Interest Checking Daily Minimum Balance of $500 No Charge Below $500 minimum $6.00 monthly	Wall Street Checking Daily Minimum Balance of $1,000 No Charge Below $1,000 Minimum $8.00 monthly
No Minimum Interest Checking No Minimum Balance Maintenance Fee $4.00 monthly	eChecking No Minimum Balance Checks Paid $0.20 each

 

SAVINGS ACCOUNTS
Regular Money Market Accounts Daily Minimum Balance of $2,500 No Charge Below Daily Minimum $10.00 monthly Excess of 3 Checks $10.00 each Up to 3 checks paid per statement cycle.	Premier Money Market Accounts Daily Minimum Balance of $50,000 No Charge Below Daily Minimum $15.00 monthly Excess of 3 Checks $10.00 each Up to 3 checks paid per statement cycle.
Savings Accounts Daily Minimum Balance of $250.00 Below Minimum Balance $3.00 monthly Minimum Balance at all times in order to earn interest $50.00 Lost Book Replacement $10.00 Account closed within 3 months $5.00	Individual Retirement Accounts (IRAs) Annual Service Charge per plan* $10.00 Termination of Plan Fee $25.00 * Maximum $20.00
CheckGuard Overdraft Protection From Savings   Maintenance Fee $2.00 monthly Transfer Charge $3.00 per day Line of Credit   Maintenance Fee $26.00 annually	Premature Checking Account Closing If checking account is closed within 90 days of opening $15.00

BUSINESS ACCOUNTS
More Than FREE Business Checking No minimum balance 500 Transaction items* per month No Charge Over 500 Transaction items* $0.25 each * Transaction items include checks paid, deposits, checks deposited, ACH debits and ACH credits	Business Interest Checking No minimum Balance Transaction items* $0.12 each * Transaction items include checks paid, deposits, checks deposited, ACH debits and ACH credits.
Commercial Checking No Minimum Balance Maintenance Fee $15.00 monthly Transaction items* $0.12 each * Transaction items include checks paid, deposits, checks deposited, ACH debits and ACH credits	Regular Business Checking Monthly Maintenance Fee $11.00 Checks Paid $0.20 each Deposits $0.85 each Items Deposited $0.10 each Electronic Deposit or Withdrawal $0.15 each Earnings Credit Per $100.00 Collected Balance - variable credit As an offset for transaction fees only (The Bank reserves the right to change earnings credit without notice.)
Business Cash Reserve Annual Fee $3,000 or $5,000 line $60.00 $8,000 or $10,000 line $160.00	Premature Checking Account Closing If checking account is closed within 90 days of opening $15.00

ONLINE BANKING

Personal & Small Business Account Access and Bill Payment No Charge Bill Payment Return Item $27.00 each + NSF fee Bill Payment Stop Orders $22.00 each

OTHER SERVICES & FEES
Cashier’s Checks	$6.50
Certified Checks	$12.00
Money Orders	$3.25
Bank 24 ATM (Automated Teller Machine) Milford National Bank 24 Locations Transaction Fee (Withdrawal – other bank) Transaction Fee (International) ATM Card Replacement Fee MasterMoney™ & Bank 24 Card Replacement Fee	No Charge $1.50 each $5.00 each $10.00 $10.00
Member of SUM™ ATM Alliance
Check Printing Fee	Prices may vary
Insufficient Funds (NSF) Checking/Savings/ ACH Returned Checking/Savings/ ACH Paid	$25.00 each $25.00 each
Stop Payments	$23.00 each
Return Items - Deposited	$10.00 each
Photo Copies that require research	$5.00 each
Research or Reconciliation (Minimum Charge one hour)	$25.00 per hour
Non-automated telephone transfer	$5.00 each
Domestic Wire Transfers Outgoing Incoming	$21.00 $10.00
Foreign Wire Transfers	$40.00
Foreign Currency Order	$50.00
Foreign Exchange    (Ask for description)	$3.00
Collection Items Outgoing Incoming	Cost + $20.00 each $20.00 each
Night Deposit Bag (after one)	$20.00 each
Liens or Attachment	$25.00
Special Statement Printout	$5.50
Safe Deposit Boxes 2 x 5 3 x 5 5 x 5 2 x 10 3 x 10 5 x 10 10 x 10	Annual Rent $36.00 $41.00 $51.00 $46.00 $65.00 $90.00 $150.00
Lost Key	$25.00 each
Box Drilling	Cost + $50.00
Late Fee	$5.00 monthly