Schedule of Service Charges

Effective July 28, 2008

PERSONAL CHECKING
More Than Free Checking No Minimum Balance No Monthly Service Charge Minimum balance to open the account $50	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 Minimum balance to open the account $50
50+ Free Interest Checking No Minimum Balance No Monthly Maintenance Fee Special program Checks No Charge Minimum balance to open the account $50	Free Interest Checking With Monthly Direct Deposit No Charge Minimum balance to open the account $50

 

SAVINGS ACCOUNTS
Regular & Business 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. Minimum balance to open $2,500	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. Minimum balance to open the account $50,000
Savings Accounts (Statement & Passbook) 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 Minimum balance to open the account $50	Individual Retirement Plans Annual Service Charge per plan* $10.00 Termination of Plan Fee $25.00 * Maximum $20.00 Minimum to open the account $50
CheckGuard Overdraft Protection From Savings   Transfer Charge $5.00 per day Line of Credit   Maintenance Fee $29.00 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.
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 $30.00 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	$29.00 each $29.00 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