1st Bank of Sea Isle City

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SERVICES AND FEES

Products and Services offered at 1st Bank of Sea Isle City

American Express® Travelers Cheques

ATM Machine at each branch location

Bank-by-Phone

Business Loans

Certificates of Deposit

Certified Checks

Checking Accounts (Personal and Business)

Club Accounts (Holiday and Vacation)

Coins-to-Cash Machines

DeluxeCard™ Gift Cards

Direct Debit

Direct Deposit

Drive-up Tellers

Home Equity Loans / Line of Credit

Imaged Statements

Individual Retirement Accounts

Internet Banking with Bill Payment

Merchant Credit Card Services

Money Market Deposit Accounts

Money Orders

Night Depository

Notary Public

PARAGON Escrow Accounts

Passbook Savings

Residential Mortgage Loans

Safe Deposit Boxes

Signature Guarantee

ATM/VISA® Debit Card

Statement Savings

Wire Transfers

Fee Schedule

NOW Checking Account

Fees: Each month you will be assessed a service charge of $5.00. You may avoid this fee if you maintain, each day during the statement cycle, a daily balance of at least $500.00

Money Market Deposit Account

Fees: Each month you will be assessed a service charge of $4.00. You may avoid this fee if you maintain, each day during the statement cycle, a daily balance of at least $2500.00

If more than six (6) preauthorized transfers, including automatic or telephone/internet transfers, are attempted during any statement cycle, or of those six (6) preauthorized transfers, if more than three (3) third party checks, including drafts or similar order are presented for payment the Bank may at its discretion a.) return the additional checks unpaid and/or refuse to execute the preauthorized transfers and/or b.) charge you an excessive transaction fee of $5.00 per transaction.

In addition, if any of the three (3) checks permitted per month are presented for an amount of less than the required minimum check amount of $300.00 1st Bank may at its discretion a.) pay the check or b.) return the check unpaid.

Statement Savings Account

Fees: If more than six (6) preauthorized transfers, including automatic or telephone/internet transfers, are attempted during any statement cycle, the Bank may at its discretion a) refuse to execute the preauthorized transfers and to b) charge you an excessive transaction fee of $5.00

Step Saver

Fees: Each month you will be assessed a service charge of $25.00. You may avoid this fee if you maintain, each day during the statement cycle a daily balance of at least $5000.00.

Withdrawals are limited to one per month. Any withdrawals in excess of one per month will result in a $5.00 fee.

Small Business Checking Account

Fees: Each month you will be assessed a service charge of $5.00. You may avoid this fee if you maintain, each day during the statement cycle, a daily balance of at least $500.00

Business Checking Account

Fees: Each month you will be assessed a service charge of $10.00. You may avoid this fee if you maintain, each day during the statement cycle, a daily balance of at least $1000.00

Other Account Fees:

The following fees apply to NOW Checking Accounts, Free-n-Easy Checking Accounts, 1st Choice Checking Accounts, Money Market Deposit Accounts, Small Business Accounts, and Business Checking Accounts. Some fees may also apply to Statement Savings Accounts.
Check Printing	Price may vary depending on style
Non-Sufficient Funds*	$30.00 per occurrence
Stop Payment Request	$15.00 per check
Certified Check	$10.00 per check
Copy of Check	$3.00 per check
Copy of Statement	$5.00 per statement
Return Deposited Item	$10.00 per item
ACH Non-Sufficient Funds*	$30.00 per item
ACH Stop Payment Request	$15.00 per item
ATM Non-Sufficient Funds*	$30.00 per item
Statement Reconciliation and Statement Research	First 15 minutes free; each additional 30 minutes, $5.00
Replacement ATM/Debit Card	$10.00 Per Card

*Insufficient funds created by check, in-person withdrawal, ATM withdrawal or other electronic means.

Miscellaneous Fees and Charges:

Coupon Processing	As charged by 1st Bank’s Processing agent
Money Order	$3.00 per money order
Money Order Stop Payment	$5.00 per money order
Research	$2.50 per 15 minute period
Wire Transfers	$18.00 each wire in
	$18.00 each wire out
Levies	$50.00 each levy
Foreign Remittance and Collections Items	As charged by 1st Bank’s processing agent

Fees and Services are current as of July 1, 2007. For a complete list of current fees and services, along with account disclosure information, please contact your local branch office