The Household Banking Center - Fee Schedule Information

Mail Deposits	Free
Direct Deposits	Free
On-line Transfers	Free
Telephone Transfers	Free

ACH Items
Incoming	Free
Outgoing	Free

Cash Machine / Check Card
ATM / Check Card issuance fee	Free
ATM / Check Card replacement card	Free
Expedited Debit or ATM Card	$60
Expedited Debit or ATM Card PIN	$40

Monthly, Quarterly Account Statements (Checking, Savings, Money Market) - Effective January 1, 2009
Electronic Statements	Free
Paper Statements - Applicable with the third statement cycle for Checking, Savings and Money Market accounts opened on or after January 1, 2009	$3 per statement

Negative Account Balance (per calendar day, after 5 days)
Free Checking	$1.50
Interest Checking	$1.50
Interest Savings	$1.50
Interest Money Market	$1.50

Account Balance Maintenance Fee - Based on daily ledger balance below $200.00 (The fee will be charged on the first occurrence in each statement cycle effective January 1, 2009.)
Interest Checking	$10
Interest Savings	$10
Interest Money Market	$10

Wire Transfers
Incoming	Free
Outgoing Domestic (Effective January 1, 2009 fee will be $30)	$30
Outgoing Foreign	$50

Research
Check Copy	$5
Statement Copy	$5
Research on account (per hour)	$30

Overdraft created by Check, ATM or other Electronic means, Fees and Returned Checks (Effective January 1, 2009 Fee will be $35)	$35
Returned On-Us Items	$20

Cashier's Check	$10
Early Closing Fee (within 180 days)	$30
Garnishments, Executions and Levies	$50
Overnight Federal Express Service (At Customer's Request) (* Additional Charges Applied For Saturday Delivery)	$20
Exceeding limit of 3 checks per statement cycle (Money Market Only) ($10 fee is assessed on each check over the limit of 3 per statement cycle)	$10

Bill Payments and Money HQ Products Provided By Online Resources Corporation - Fee Schedule
Bill Payment service is FREE with Direct Deposit or a minimum average monthly balance of $1,500.00.
Below Minimum Average Monthly Balance	$6
Each item over 25 items per month	$0.50

Money HQ Services
Each transfer made outside the Bank (Fee shall be deducted from your primary account at monthend)	$2
Next Day Transfer (Fee shall be deducted from the account you are transferring from at the time of the transfer)	$7.95

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	All deposit products offered through this Banking Center will be opened and deposit processing services are provided by Waterfield Bank. The deposit products are FDIC insured by one of the participating financial institutions, to the full extent of the law. Household Bank and Orchard Bank are not responsible for services and products provided by Waterfield Bank.