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General Service Charges

  Account Information/Balance Inquiry/Transfers

By TellerPhone or KeysBank.com -FREE

By Phone - $3 each

  AMEX Gift Cards - $3.95 each

  AMEX Gift Checks - $3 each

  American Express Travelers Cheques

Traditional Cheques -- Purchased

Customers - 2% of purchase

Cheques for Two -- Purchased

Customers - 2.5% of purchase

Travelers Cheques -- Cashed

Customers - FREE

  ATM Transactions

FSB ATMs / Other ATMs

Deposits - No Charge / Not Available

Withdrawals - No Charge / $1.50 per transaction

Transfers - No Charge / $1.50 per transaction

Balance Inquiries - No Charge / $1.50 per transaction

  ATM/Debit Card Replacement - $5

  Cashier’s Checks & Bank Drafts

Customers - $5 each

  Change Orders

Customers - FREE

Non-Customers - $20 per order

  Checking and Savings Accounts

Closed Within 6 Months - $25

  Collection Items (Domestic, Foreign,     Documentary)

Incoming - 1%; $20 minimum

Outgoing - 1%; $20 minimum

   Coin Rolling - 2%

  Counter Items - $1 each

  Coupon Collections (Customers Only) - $5 per envelope

  Credit Card Cash Advance

Customers - FREE

Non-Customers - $20

  Deposit Corrections - $2 each

  Deposited Items Returned

Personal Accounts - $5 per item
FreeBee Checking accounts - $7.50 per item

Commercial accounts - $7.50 per item

  Dormant Accounts - $10 per month

  Escheat Processing - $25

  Fax Copies - $3 per page

  Foreign Check Collections - $2 - $5

(Depending on country of origination.)

  Foreign Currency Exchange

Customers -

Up to $250 U.S. - $5

Over $250 U.S.  - $10

Non-Customers ($500 limit) - $30

  Foreign Currency Ordered - $10

  IRA Transfer Fee (outgoing) - $40

  Loan Payment Returned Checks - $30 per check

  Money Orders (Customers only)  - $5 each

  Night Deposit Bags - $25 per bag

  Non-Conforming Check Processing - $2 per item

  Notary Fees

Customers - FREE

Non-Customers - $10 per page

  Notice of Levy or Garnishments - $100 plus costs

  NSF/Overdraft Paid/Return Fee - $30 per item

  Overdraft Protection Transfers

1-3 per cycle - FREE

4 or more per cycle - $5 per transfer

FreeBee Checking (all transfers) - $5 per transfer

  Reference Letter - $20

  Requests for Research - $25 per hour plus $2 per item/page

FreeBee Checking (copy of check) - $2

  Returned Mail - $10 per month

  Safe Deposit Boxes

Key Deposit - $25

Drilling Fee - $150

  Signature Guarantees (Customers Only) - FREE

  Special Statements - $5

  Statement Copies - $2

  Statement Reconciliation (one hour minimum) - $25 per hour

  Stop Payments - $30 per item

  U.S. Treasury Checks Cashed

Customers - FREE

Non-Customers (Up to $500) - $10

  Verification of Funds - $20

  Wire Transfers (Domestic)

Incoming (Customers Only) - $10 per transfer

Outgoing (Customers Only) - $20 per transfer

  Wire Transfers (International)

Incoming (Customers Only) - $10 per transfer

Outgoing (Customers Only) - $50 per transfer

  Wire Transfer Fax Notification - $3 each

Effective as of June 1, 2007 and may be subject to change.

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