Schedule of Fees and Charges

ATM Transactions Service Charge	Unlimited free transactions
ATM Foreign Transactions	Surcharges may apply
ATM Card Replacement	$10.00 per card
Amortization Schedule	$5.00
Auburn OnLine	Free
Bill Payer Feature	Free
Bank/Cashier’s Check	$3.00 per check
Bank Check Reissue	$25.00 per check
Cash Shipment Fee	$25.00 per shipment
Certified Checks	$10.00 per check
Check clearing – manual	$5.00 per check
Check Reorder Charge	Fees depend on check style
Collection Item Fee	$35.00
Copy of Check	$3.00
Copy of Statement	$2.00
Counter Checks, per sheet of 3	$1.00
Debit Card Replacement or Instant Issue	$10.00 per card
Early Close-out
Checking, savings, clubs (within 90 days of opening)	$15.00 per Account
Health Savings Account (within 180 days of opening)	$50.00 per Account
Inactive Account
Checking account, after 12 months of no activity	$3.00 per month
Savings account, after 24 months of no activity	$3.00 per month
Incomplete Club (withdrawal prior to maturity)	$10.00 per withdrawal
Insufficient Account Balance for Automatic Loan Payment	$25.00 per item
Insufficient funds or overdrafts, whether paid or returned, caused by paper or electronic requests	$25.00 per item
Interim Account Statement	$2.00
IRS Levy Charge	$25.00
Legal Processing Fee	$50.00
Medallion Guarantee for Non-Customers*	$25.00
Money Order	$1.00 per check
Mortgage Payment Returned	$25.00 per item
Night Deposit Locking Bag (nonrefundable)	$15.00 per bag
Notary Public (Non-customer)	$5.00 per document
OD Protection Tran Fee from Linked Accounts
Business/Commercial	$5.00 per item
Personal/Consumer	$3.00 per item
On-Us Check Cashing for Non Customers	$10.00 per item, or 1% of cash back, whichever is higher
Overdraft (paid)	$25.00 per item
Research Fee	$25.00 per hour
Returned Deposited Item Fee	$10.00 per item
Returned Notice or Statement Fee	$5.00
Safe Deposit Boxes	Annual box fee according to size
Safe Deposit Boxes Key Replacement	$10.00 per key
Safe Deposit Box Drill (plus cost of drilling)	$25.00 per box
Statement Reconciliation-per Month	$20.00
Stop Payment Fee	$25.00 per item
Stop Payment on Money Orders	$25.00 per item
Telephone Banking	Unlimited free transactions
Telephone Transfers	$5.00 per transfer
Unavailable Funds Fee	$10.00 per item
Wire Transfers
Outgoing	$20.00 per wire
Incoming	$10.00 per wire
Foreign	$45.00 per wire
Zipper Bag	$5.00

*Certain restrictions apply. See an Auburn Savings employee for details. If you have a dispute with us regarding your deposit account, you may contact us to attempt to resolve the problem directly. If we fail to resolve the problem, you may communicate the problem and the resolution you are seeking to: Bureau of Financial Institutions 36 State House Station Augusta, Maine 04333-0036. To file a complaint electronically, you may contact the Bureau of Financial Institutions at the following Internet address:

http://www.state.me.us/pfr/financialinstitutions/complaint.htm

Because Auburn Savings is a federally-chartered financial institution, the Bureau of Financial Institutions will refer you to the appropriate federal supervisory agency.