Schedule of Fees & Charges

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Emory Burns
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1 Schedule of Fees & Charges PERSONAL PRODUCTS Effective July 1, 2018

2 Smart & Easy Checking Monthly direct deposit 55 years or older $2,000 minimum daily balance Monthly service charge if none of the above criteria is met... $12.00 Paper statements with check images... $3.00 ATM fee refunds, per month...$ Initial deposit of $100 required. Basic Checking Monthly direct deposit years old 55 years or older $2,000 minimum daily balance Monthly service charge if none of the above criteria is met... $5.00 Paper statements with check images... $3.00 ATM fee refunds...not available with this account Initial deposit of $25 required. Smart & Easy Plus Monthly service charge if none of the above criteria is met... $20.00 Paper statements with check images...no charge ATM fee refunds, per month... $ Initial deposit of $100 required. For Private Banking clients, there is no monthly service charge and unlimited ATM fee refunds, per month. Private Banking requires net worth greater than $3,000,000 or investable assets of greater than $750,000. For additional information on Private Banking services, please talk with your Banker. Money Market Plus No monthly service charge with... $2,500 minimum daily balance Monthly service charge...$10.00 per month An initial deposit of $2,500 or more is required. Note: Regulations limit certain transfers and withdrawals. 5,6 Platinum Market Rate Account Account requirements: Initial deposit of $50,000 or more Additional non-interest bearing personal checking account Monthly service charge... none Note: Regulations limit certain transfers and withdrawals. 6 Checks are not issued on this account. Access for transfer or withdrawal of funds is available via online banking.

3 Personal Savings $500 average monthly balance Minor account or account for the benefit of a minor When linked with a personal checking account as overdraft protection Monthly service charge if none of the above criteria is met... $5.00 Initial deposit of $100 required ($5 for minor account or account for the benefit of a minor). The account will be subject to a service charge upon the minor s 18th birthday, unless the additional criteria to avoid a monthly service charge is met. Note: Regulations limit certain transfers and withdrawals. 6 Health Savings Account (HSA) Monthly service charge... $2.00 Club Accounts Account closed before maturity... $10.00 Check issuance fee... $10.00 Individual Retirement Accounts Individual retirement account plan fee... $25.00 annually Waived with $25,000 annual minimum balance. Transfer fee...$25.00 per transfer out of the account Electronic Banking Online/mobile banking...no charge Mobile deposit...no charge Online bill payment...no charge TeleBanking...no charge Online stop payment (effective for 12 months)...$25.00 per order Popmoney Next-day transfer... $4.00 per outbound transfer 3-day transfer...no charge for the first five (5) transfers per month, $2 per transfer thereafter External transfers Next-day transfer... $4.00 per outbound transfer 3-day transfer...$2.00 per outbound transfer Note: Bill payments are subject to normal Overdraft or Returned Item fees 2 if funds are not available at the time of bill payment. Other Account Charges Overdraft 2 : Item is paid even when your account does not have enough money based on the balance. 8 Returned Item 2 : Item is returned when your account does not have enough money based on the balance. 8 Continuous Overdraft: When your account is overdrawn 5 or more consecutive business days. Overdraft or returned item fee...$29.00 per item Maximum daily overdraft and returned item fees... $ There is a limit of 4 items per day that we will charge. Overdraft or returned item fees will not be charged if the balance in your account is overdrawn by $10 or less after posting all transactions after the end of the business day, or for any item that is $10 or less. Continuous Overdraft fee (checking and money market accounts only)... $5.00 per business day, beginning on the 5th business day and ending on the 14th business day the account continues to be overdrawn. This is in addition to overdraft or returned item fees and applies even if your account is overdrawn by $10 or less. Overdraft protection 2,7 Automatic transfer from savings 6, money market, 5,6 or checking... $5.00 per transaction Overdraft Protection Line of Credit transfers... $5.00 per transaction Stop payment (effective for 12 months)... $30.00 per order Stop payment renewal (effective for 12 months)... $30.00 per order Special statement...$5.00 per statement Hold statement...$5.00 per statement Multiple statement originals... $2.00 per statement per month Statement balancing/research... $40.00 per hour, $40.00 minimum Inactive/dormant accounts...charged as an active account Inactive/dormant account (final notice)...$2.00 Returned deposit item...$10.00 per item Returned deposit item with automatic redeposit...$5.00 per item plus standard returned deposit item charge Returned deposit item notification (per item) By ...$2.00 By fax...$5.00 By phone...$7.00 Deposit correction fee... $5.00 per deposit Deposit stamp charges... at cost 3 Check copies... $4.00 per check First 3 per statement no charge.

4 Other Account Charges ATM/Debit card replacement... $5.00 Beginning with second replaced card per 12-month period. Counter checks/pre-printed deposit tickets... $1.00 each Telephone transfers...$2.00 each No charge for transfers initiated via TeleBanking, online/mobile banking services, in person or at an ATM. Exchange fees Cashier s checks... $10.00 per check (Client) Check conversion fee... $12.00 per check (Non-client) Collections: checks, drafts and coupons Incoming and outgoing check or draft... $25.00 per item plus cost 3 Coupon...$15.00 per issue plus cost 3 Wire transfers (per wire) Incoming domestic... $10.00 Incoming international... $10.00 plus cost 3 Outgoing domestic...$30.00 Outgoing international...$40.00 plus cost 3 Wires with special handling... $20.00 plus standard wire processing fee Wire correction/amendment...$15.00 plus cost 3 Wire investigation... $50.00 per investigation Wire notification (per wire) By ... $2.00 By fax... $5.00 By phone... $7.00 Legal process (e.g. statement, execution, lien, levy, notice and restraining order process received).... $ Miscellaneous Clerical/research work...$40.00 per hour, $40.00 minimum, $1.00 per item posted Signature guarantee...$5.00 per signature Notary fee...$10.00 per signature Medallion stamp fee... $20.00 per stamp Safe Deposit Box Rental Fees Box size Automatic payment Annual rental Invoice payment Annual rental 2 x 5 $45.00 $ x 5 $55.00 $ x 6 $55.00 $ x 5 $65.00 $ x 5 $75.00 $ x 10 $80.00 $ x 10 $95.00 $ x 10 $ $ x 10 $ $ x 15 $ $ x 18 $ $ Safe deposit box late fee (30 days past due).... $25.00 Forced entry... $ Safe deposit box set-up fee... $20.00 Change locks... $25.00 plus cost 3 Lost key replacement...$25.00 each Expedited processing fee... $100.00

5 1. Excludes reimbursements from ATMs located in a foreign country. 2. Applies to insufficient funds created by check, in-person withdrawal, ATM withdrawal, or other electronic means, as applicable. 3. Actual cost incurred. 4. Combined balance shall be defined as follows: when used for service charge purposes, combined balance means the average monthly balance of the primary checking account, together with the combined current balances determined on the statement date of the primary checking account) in all other deposit accounts. 5. A $15.00 per check charge will apply when more than six (6) checks are processed during the month/account statement cycle. 6. Regulations limit certain transfers and withdrawals to a total of six (6) per month/account statement cycle. Accounts exceeding the transaction limit on multiple occasions may be converted to a more appropriate account type. See our Account Agreement for details. 7. If an overdraft on your account requires the Bank to automatically transfer funds and your primary overdraft protection account is a savings, money market or checking account, the overdraft transfer fee will be assessed against the account that is overdrawn. If your automatic transfer comes from an Overdraft Protection Line of Credit, the transfer fee will be assessed against your loan. 8. Mechanics Bank uses the following to determine the balance that is available to pay items to your account each day. First, we take your present balance, which is your balance at the end of the previous business day (also called your current or ledger balance). This will be the balance that appears on your Bank statement each day. Then, we add or subtract any transactions known to the Bank that you ve made to your account today (e.g., deposits, debit card transactions, ATM withdrawals, and payments scheduled for today). It doesn t include any checks you may have written but haven t yet been cashed. The remaining balance, less any holds placed on deposits, is your Available Balance (also called your collected balance). The Available Balance used for ATM and everyday debit card transactions on accounts with Standard Coverage is the ledger balance (previous day s statement balance), plus deposits, less any holds on deposited funds, plus any available Overdraft Protection, but does NOT include the Overdraft Privilege limit. For accounts with Extended Coverage, the Overdraft Privilege limit is included in the Available Balance for authorizing ATM and everyday debit card transactions. Important Notice Regarding Interest Bearing Accounts There are certain penalties for all types of interest bearing accounts, in regard to early withdrawals, closing accounts before maturity and minimum interest payments. Refer to our Account Agreement and current rate sheet for details. Call Center MKT-4275/0618

Schedule of Fees and Charges

Schedule of Fees and Charges CONSUMER PRODUCTS The following is a schedule of our current fees and service charges. If you have any questions or need additional information regarding this schedule, please