Abandoned Account Fee.................................................. $50.00

Account Research

Time spent in research................................................... $15.00/hr

Statement copy.................................................................... $1.00

Statement w/items................................................................ $5.00

ATM/Debit Card Withdrawal Fee

MSB owned ATM...................................................... No Charge

Non propriety ATM*......................................................... $1.00

*You may also be charged an additional fee by the ATM owner

ATM/Debit Card Replacement Fee................................. $5.00

ATM/Debit Card Limitations*

Cash withdrawal....................................................... $300.00/day

Point of sale transaction........................................ $1,500.00/day

*Other limitations may be set at the discretion of bank officers

Business Checking

(Only applies to accounts with balances under $500.00)

Monthly fee........................................................................ $3.00

Per item charge...................................................................... $.10

Canadian Deposit Items.......................................... $5.00/item

Canadian Draft Fee....................................................... $20.00

Cashier’s Check.............................................................. $5.00

Check Printing

Prices vary depending on check type ordered

Collection Items Fee..................................................... $25.00

Dormant Account Fee

(Only applies to accounts with balances under $100.00)

Checking – inactive for one year.................................. $3.00/mo

Money Market – inactive for one year........................ $3.00/mo

Savings – inactive for two years.................................. $5.00/qtr

Escrow Fees

Original set up............................................................... $100.00

(Plus 1/10 of 1%of original escrow amount)

Annual payment fee.......................................................... 25.00

Monthly payment fee....................................................... $5.00

Execution of Levy or Garnishment Fee...................... $50.00

Lending

Brand Filing..................................................................... $50.00

UCC filing................................................................. $7.00/filing

Lien filing............................................................... $8.00/vehicle

Recording fees............................................................ $7.00/page

Loan fee............................................................................ $50.00

Minimum interest charge.................................................. $50.00

Loan extension fee – yearly payment.............................. $40.00

Loan extension fee – monthly payment........................... $20.00

Real estate loans – subject to 1% of loan amount origination fee

Money Order.................................................................... $1.00

Multiple Mailings Fee (per month)

Statement............................................................................ $3.00

Statement w/items.............................................................. $5.00

NOW Checking

(Only applies to accounts with balances under $1,000.00)

Monthly fee....................................................................... $3.00

Per item charge..................................................................... $.10

Online Banking

E-bank.................................................................................. Free

E-statements........................................................................ Free

Bill Pay........................................................................ $4.95/mo

Overdraft Fee (daily)..................................................... $28.00

Overdraft Return Item Fee (daily)............................... $28.00

Photo Copies

Black and white............................................................ $.10/page

Color............................................................................. $.50/page

Safe Deposit Box

Rental (depending on size)........................... $12.50-$30.00/year

Key replacement.............................................................. $15.00

Lock replacement............................................................. $75.00

Stop Payment Order

Items over $100.00.......................................................... $28.00

Items less than $100.00................................................... $10.00

Transfer Fee

Automatic overdraft transfer............................................. $4.00

Telephone transfer..................................................... No Charge

Visa Travel Money Cards (minimum balance of $250.00)*

Purchase new card............................................................. $9.50

Reload existing card........................................................... $4.95

*Other fees and limitations may apply when using the Visa travel card

Wire Transfers

Incoming wire............................................................ No Charge

Domestic outgoing wire................................................... $15.00

Canadian wire.................................................................. $20.00

International wire............................................................. $45.00

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Limitations for Money Market and Savings Accounts:

During any statement cycle you may not make more than six (6) preauthorized transfers.