Bay-Vanguard reserves the right to collect the following fees:

General
Account Reconciliation (per hour)	$20.00
Account Research (per hour)	$25.00
Account Research 12 months or older (per hour)	$40.00
Bank Check  (1 check free per day)	$6.00
Certified Check	$20.00
Christmas Club w/d, early closeout penalty	$20.00
Closed Account (within first 180 days)	$15.00
Dormant/Inactive (per month)	$6.00
Duplicate 1098 or 1099	$5.00
Fax Service (first page)	$2.00
Each additional page	$1.00
IRA Account Transfer Fee	$25.00
Lost Passbook	$10.00
Money Orders ($500.00 maximum)	$2.00
Non-Customer check casing (on-us)	$5.00
Notary Public/Customer	FREE
Notary Public/Non-customer	$2.00
Overdraft Privilege	$30.00
Photocopies	$0.50
Garnishment & Levies	$150.00
Return Items  (ACH, Overdrafts)	$30.00
Returned Deposited Check	$15.00
Special Collections	Price varies
Stop Payment	$30.00
Telephone Transfer	$5.00
Unscheduled Statements	$5.00
Visa Gif Card Issuance Fee	$4.95
Visa Gift Card Inactivity fee (assessed on the first day of each month after 12 months of inactivity)	$5.00
Visa Gift Card Cash Out or Lost/Stolen Fee	$5.00
Wire Out (Domestic)	$25.00
Wire In (Domestic)	$15.00
Wire In (International)	$50.00
Checking Account
Online Banking/Bill Pay	Free
Copy of cancelled check(s) (per check)	$5.00
Copy of cancelled check(s) 25 months or older	$7.50
Issuance of new account due to lost/stolen checks	$5.00
Money Market (over 6 cks per cycle)	$10.00
NOW Account check printing	Varies per style of check
Overdraft Protection-Sweep (per occurence)	$5.00
Interest Checking Account
Online Banking/Bill Pay	$4.95
If the average daily balance drops below $500.00	$8.00
Small Business Checking
If the average daily balance drops below $1,000.00	$10.00
Bill Pay	$4.95
Business Checking
If the average daily balance drops below $3,000.00	$15.00
Coin Purchase (per roll)	$0.10
Currency Purchase (per strap)	$0.25
Over 50 transactions	$0.25 each
Bill Pay	$4.95
Business Interest Checking
If the average daily balance drops below $5,000.00	$15.00
Bill Pay	$4.95
Commercial Checking
Monthly Service Charge	$35.00
Bill Pay	$4.95
Statement Savings
If the average daily balance drops below $50.00 for the month	$5.00
ATM/Debit
ATM/POS Daily Withdrawal Limit	$1,000.00
Expedited Visa Card	$35.00
Foreign ATM Balance Inquiry/Withdrawal	$2.00
International ATM/ Debit surcharge	Varies
Pin Reminder	$5.00
Point of Sale	$0.00
Replace Visa Card and Pin	$10.00
Debit Card Transaction NSF/Uncollected Funds	$30.00
Withdrawals, balance inquiry, or transfer (per transaction) *First 5 transactions per statement cycle are NO CHARGE	$1.25
Night Depository
Bags	$10.00
Keys	$5.00
Safe Deposit Box
Box Rental                      3 x 5 Boxes                  5 x 5 Boxes                  3 x 10 Boxes                  5 x 10 Boxes                 10 x 10 Boxes	$40.00 $60.00 $70.00 $90.00 $170.00
Late Payment (Monthly)	$5.00
Box Boring/ Drill Box	$200.00
Lock Change/ Lost Key	$65.00

Effective Date: September 12, 2011

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