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FEES AND SERVICES EFFECTIVE  June 13, 2005

The following fees may apply to all accounts. These fees are subject to change:  
Safe Deposit Box Fees
Size Cost/Year
3x5 $25.00**
3x10 $40.00**
5x10 $60.00**
10x10 $100.00**
Drilling Fee $175.00 per box
*A key deposit of $25 is charged at box opening.  It is refunded when the box is closed and 2 keys are returned.

**A key deposit of $25.00 is charged at box opening. It is refunded when the box is closed and 2 keys are returned.

Hold-Statement                                  Per month $10.00
Account Research                                        Per hour $30.00
Account Research                                         Per copy $2.00
Activity Statement                                         Per copy $2.00
Cashier's Check  (Customer) $4.00
Cashier's Check  (Non-Customer) $10.00
Check Cashing (Non-Customer) 3% ($10.00 minimum)
Check Order   depending on style
Closing Account  (less than 6 months) $15.00
Dormant Account Fee (assessed after one year of no activity) Per Month $10.00
Fax/Photo Copies                                         Per page $1.00
Foreign Collections                                     Customers Only $25.00
Outgoing Collections                                   Customers Only $25.00
Incoming Collections                                   Customers Only $15.00
Overdraft Charge/Return NSF Item   $25.75*
Returned Deposited Item   $5.00
Legal Levies &Garnishments   $75.00
Night Deposit Keys Each (above 2)   $2.00/each
Night Drop Lock Bag   $25.00
Notary Public                                              Non-Customers $10.00
Stop Payment (valid for 6 months)   $25.00
Bank Originated Verification of Funds   $3.00
Traveler's Checks for Two (per $100)         $2.00
                                                                   Non-Customers $4.00
Traveler's Checks Regular (per $100)     $2.00
                                                                   Non-Customers $3.00
Wire Transfer - Customer                            Incoming $10.00
Wire Transfer - Customer                            International $50.00
Wire Transfer - Customer                            Outgoing $15.00
ATM Withdrawal Non - Marine Bank ATM   $1.25
ATM (replacement of card)   $5.00
VISA Check Card replacement   $10.00
Safe Deposit Late Fee   $10.00
Counter Checks   $1.00
Telephone Transfer   $5.00
Statement Reconciliation  Per Hour $30.00
Original Checks Returned Per Statement $10.00
Rolling of Coins Each bag non-mixed $10.00
Coin Roller Machine Wrappers Each one $0.05
     

Notice Regarding ATM Fees by Others:
If you use an automated teller machine that is not operated by us, you may be charged a fee by the operator of the machine and/or by an automated transfer network. All of our ATM and checkcards can be used at Publix ATMs without incurring the PRESTO $1 surcharge.

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