SAVINGS ACCOUNT CHARGES Maintenance Service Charge......................FREE Early Passbook Closeout (closed within 90 days of of opening account)...............................$10.00 MONEY MARKET ACCOUNT CHARGES Maintenance Service Charge.......................FREE Money Market Service Charge (if more than three(3) third-party checks per statement cycle)...$10.00 each CHECKING ACCOUNTS 18/65 ACCOUNT CHARGES If you are under the age of 19 or age 65 or older, you qualify for this account. Some restrictions apply. See a Customer Service Representative for details. Maintenance Service Charge.........................FREE Insufficient Funds Charge............................$5.00 Check Printing (standard style only).............FREE Stop Payment............................................FREE Wire Transfer Fee**....................................FREE Returned 3rd Party checks that have been cashed or deposited to you account........................FREE **Wire fees are exclusive of other bank's charges. $500 minimum on outgoing wire transfers. N.O.W. ACCOUNT CHARGES Maintenance Service Charge.........................FREE First 30 checks per month...........................FREE NON-INTEREST BEARING (NIB) ACCOUNT CHARGES Maintenance Service Charge.........................FREE   OTHER CHECKING FEES Insufficient Funds Charge (Returned checks/electronic charge presented against non-sufficient/uncollected funds returned for any reason).................................................$25.00                 Check Printing..........................................Varies by Style Stop Payment...........................................$25.00 Instant Statement....................................$2.00 each Statement Copy.......................................$5.00 each Check Copy (First 25 each year are FREE)...$5.00 each   ATM & DEBIT CARD SERVICE CHARGES All Needham Bank customer transactions at Needham Bank ATMs..............................................FREE* Point-of-Sale (POS) transactions (available on checking accounts only)...........................FREE MasterMoney Debit Card Transactions..........FREE ATM/Debit Card Replacement......................$5.00 NON-NEEDHAM BANK ATM SERVICE CHARGES ATM Withdrawal Service Charge..................FREE* *If you use a non-Needham Bank ATM, you may be charged a fee. use ATMs that display the "SUM" symbol and you won't pay a surcharge!   BANK SERVICES & CHARGES WIRE TRANSFER FEE Wire fees are exclusive of other banks' charges. There is a $500 minimum on outgoing wire transfers. Incoming...............................................$10.00 Outgoing-Domestic.................................$25.00 Outgoing-Foreign...................................$40.00  CHECKS PROCESSED Foreign (in U.S. funds, sent for collection...Varies In foreign Funds (collection fees are exclusive of other banks’ charges)..............................$10.00 each RETURNED CHECK CHARGES Returned 3rd Party checks that have been cashed or deposited to you account..Massachusetts State Law Limit Returned checks drawn by the same maker or from a business account that have been cashed or deposited to your account...........................................$ 5.00    OTHER CHARGES Overdraft Protection Transfer Fee (per item)..$10.00 Official bank checks withdrawn from Savings N.O.W. Checking or Money Market.........ONE FREE PER DAY;  thereafter...............................................$5.00 each Money Orders- Customers only- ..........TWO FREE PER DAY;  thereafter..............................................$2.00 each Passbook Replacement.............................$5.00 Account Research (1 hour minimum)..........$15.00/hr Coupon Collection:    Per envelope.........................................$ 4.00    Returned Coupon (per envelope)............$ 5.00 Attachment/Levy(per account)..................$25.00 Notary Public (customers only)..................FREE Signature Guarantee (customers only).......FREE MORTGAGE SERVICING Confirmatory Discharge...........................$25.00 Fax Fee..................................................$10.00 Returned Check......................................$25.00 12 Month History of Payments..................$15.00 SAFE DEPOSIT BOXES Wellesley Branch Only Size                                          Annual Fee 2x5...............................................$ 25.00 3x5...............................................$ 50.00 3x10.............................................$ 70.00 5x10.............................................$100.00 10x10...........................................$150.00   Replacement Key....................$25.00 Late Payment (after 30 days)...$10.00 Drilling........................Cost + $20.00 There is a minimum savings account balance required to rent a safe deposit box.  Safe deposit box contents are not insured by FDIC or SIF. ONLINE BANKING SERVICE CHARGES Online Banking.........................................FREE Online Banking with Bill Pay........................FREE Bill Pay with Quicken..................................FREE eStatements.............................................FREE TELEPHONE BANKING CHARGES Telephone Banking....................................FREE Toll Free Telephone Banking Number 888-833-5590