Schedule of Fees and Charges

Personal Accounts
Account	Balance/Terms Required to Avoid Service Charges	Monthly Service Charge if Balance/Term are not met.
Free and Easy Checking	No Minimum Balance Required. Must have direct deposit of $500 per month or more	None. Failure to meet terms will result in change to Basic Minimum Account .
Easy Access Checking	Minimum Daily Balance of $100	$7.00
Easy Access Interest Checking	Minimum Daily Balance of $500	$5.00
Traditional Money Market Account	Minimum Daily Balance of $2500 Limited Transaction Account	$10.00 Excess transactions will result in change to NOW Account and $5.00 per item fee.
Ultimate Money Market Account	Minimum daily balance of $50,000.00. Limited transaction account.	$25.00; rate reduces to .25 APY. Excess transactions will result in a $5.00 per item charge.
Free Senior Checking	Must be over 62 years of age	None
Free First Checking	Must be under 21 years of age	None
Easy Access Savings	Minimum Daily Balance of $10	$1.00
Passbook Savings Account	None	None

Business Accounts
Account	Excess Transaction Fees	Monthly Maintenance Fee	Balance to Waive Monthly Fee
Easy Access Business 100	.25 for each item over 100	$10.00	$500.00
Easy Access Business 200	.25 for each item over 200	$12.00	$6000.00
Easy Access Commercial	.15 per check paid; .50 per deposit; .07 per item in deposit	$12.00	Based on Earnings Credit (.15 credit offset for each $100 average collected balance maintained)

Other Charges
Insufficient Funds (per check paid or returned)	$20.00
Senior Checking Accounts (per check paid or returned)	$ 5.00
First Checking Accounts (per check paid or returned)	$ 5.00
Returned Deposited Item	No Charge
Check Collection Domestic Foreign	$20.00 $40.00
Stop Payment Orders	$20.00
Account Printouts	$ 1.00
Account Reconciliation/hour	$25.00
Account Research/hour Duplicate Statements/each Per check copy/each	$25.00 $ 5.00 $ 1.00
Foreign Currency Order	$20.00
Foreign Draft	$30.00
Bank Checks $1000 and under Over $1000	$ 2.00 $ 3.00
Telephone Transfer	$ 5.00
Online ACH File	$ 5.00
*Inactive Account Fee	$ 1.00
New Acct. closed within 90 days	$15.00
Wire Transfer Domestic Foreign	$20.00 $50.00
Coupon Redemption/plus postage	$10.00
Replacement Passbook	$10.00
ATM/Debit Card Replacement	$15.00
MasterCard® Replacement	$20.00
MasterCard® Duplicate Statement	$ 5.00
Dormant Account Fee	$25.00
Levy Fee	$50.00
Checkbook Order	varies with style

ATM Fees / Charges
Domestic ATM transactions/each	$ 1.00
International ATM transaction/each	$ 5.00
VISA USA charges us a .8% International Service Assessment on all international tranxactions, regardless of whether there is a currency conversion. If there is a currency conversioin, the International Service Assessment is 1% of the transaction. In either case, we pass this international transaction fee on to you. An international transaction is a transaction where the country of the merchant is outside the USA.

Safe Deposit Boxes
Size	Annual Fee
3" x 5"	$30.00
5" x 5"	$50.00 (Parker Street Only)
3" x 10"	$60.00
5" x 10"	$75.00
6" x 10"	$90.00
7" x 10"	$100.00 (Parker Street Only)
10" x 10"	$125.00
*The inactivity fee will be imposed monthly on all deposit accounts if the minimum daily balance is below $25.00 and the account has been inactive for the preceding 6 months.