Schedule of Service Charges

Effective October 15, 2009

PERSONAL CHECKING
More Than Free Checking No Minimum Balance No Monthly Maintenance Service Charge Minimum balance to open the account $50	Harvest Gold Account Average Monthly Balance 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 Service Charge 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 6 Checks $10.00 each Minimum balance to open the account $2,500	Premier Money Market Accounts Daily Minimum Balance of $50,000 No Charge Below Daily Minimum $15.00 monthly Excess of 6 Checks $10.00 each Minimum balance to open the account $50,000
Savings Accounts (Statement & Passbook) Daily Minimum Balance of $250 No Charge 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 $15.00 Minimum balance to open the account $50	Prime Money Market Savings Average Monthly Minimum Balance of $10,000 No Charge Below Monthly Minimum $20.00 monthly Minimum Balance at all times in order to earn interest $2,500 Minimum balance to open the account $2,500
SuperSize Savings Account Daily Minimum Balance of $20,000 No Charge Below Daily Minimum $25.00 monthly Minimum balance to open the account $20,000	Individual Retirement Plans Annual Service Charge per plan $10.00 (Maximum $20.00) Termination of Plan Fee $25.00
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 $15.00 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.)	Prime Business Money Market Account Average Monthly Minimum Balance of $50,000 No Charge Below Monthly Minimum $30.00 monthly Minimum balance at all times in order to earn interest $25,000 Excess of 6 checks $10.00 each Minimum balance to open the account $25,000
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 Inactive Bill Payment Fee $5.00 monthly Bill Payment Return Item $30.00 each + NSF fee Bill Payment Stop Orders $30.00 each

OTHER SERVICES & FEES
Cashier’s Checks	$6.50
Certified Checks	$12.00
Money Orders	$3.25
Bank 24 ATM Card / MasterMoney™ Debit Card Withdrawals, deposits, balance inquires, transfers at Milford National ATMs Transaction Fee (non-Milford National ATM) Transaction Fee (International ATM) Card Replacement Fee	No Charge $3.00 each $5.00 each $10.00
Check Printing Fee	Prices may vary
Insufficient Funds (NSF) Checking/Savings/ ACH Returned Checking/Savings/ ACH Paid	$30.00 each $30.00 each
Stop Payments	$30.00 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	$25.00 $12.00
Foreign Wire Transfers	$40.00
Foreign Currency Order	$50.00
Foreign Exchange    (Ask for description)	$5.00
Collection Items Outgoing Incoming	Cost + $25.00 each $25.00 each
Night Deposit Bag (after one)	$50.00 each
Duplicate Statement Printout	$10.00
Duplicate 1099	$10.00
Abandoned Property	$40.00
Returned Mail	$5.00
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	$50.00 each
Box Drilling	Cost + $50.00
Late Fee	$5.00 monthly
Legal Process Fee	$50.00* per occurrence
*or the rate that may be set by law. Fees are applied to each legal process requiring us to attach or withhold funds.