The Bank of Charlotte County

This disclosure contains information about fees for the accounts we offer.

Miscellaneous Fees and Charges

Account Fees

           Early Closing Fee – within six (6) months of account opening............. $25.00
           Insufficient Funds Paid/Returned...................................................... $35.00
           Uncollected Funds Paid/Returned...................................................... $35.00
           Stop Payment................................................................................. $35.00
           Returned Items Cashed or Deposited................................................. $10.00
           Dormant/Inactive Account Fees per month
           (over 12 months without activity regardless of balance)...................... $10.00
           Telephone Transfers....................................................................... $5.00
           Image Statements........................................................................... $5.00
           Deposit Correction per Item............................................................. $5.00
           ACH Unposted Correction................................................................ $10.00
           Debit Card...................................................................................... Free
           Foreign Currency Exchange............................................................. $30.00
           Return Mail.................................................................................... $5.00
           Duplicate Statements Charge per Statement....................................... $6.00
           Overdrawn Fee (after three- (3) consecutive days)............................. $2.00/day
           Hold Mail (per statement per cycle)................................................... $10.00

Consignment Items

           Official Checks Customers............................................................... $7.00
           International Drafts Issued in Foreign Countries.................................. $20.00
           Travelers Checks............................................................................. 1% per $10

Currency Orders

Coin ............................................................................................. $0.25 per roll
Currency........................................................................................ $0.25 per strap

Legal

           Subpoenas...................................................................................... $50 per hour;                                                                                                                  $1.00 per page
           Reclamation.................................................................................... $75.00
           Writ of Garnishment........................................................................ $75.00
           IRS Levy........................................................................................ $75.00

Miscellaneous Fees

           Zipper Bags: Not for Night Deposit Use............................................. $5.00
           Tamper Evident Plastic Bags for Night Depository Use........................ $25.00 / 100 bags
           Collections (Incoming / Outgoing)..................................................... $25.00
           Verification of Deposit (per Request)................................................. $5.00
           Bond Redemption............................................................................ $20.00
           Coupon Collection (per Envelope)..................................................... $10.00

Research

          Statement Reconciliation.................................................................. $25.00 per hour
          Research Request............................................................................ $25.00 per hour
          Statement Copies/Snapshots............................................................. $5.00 per statement
          Check Copies................................................................................. $1.00 per item
          Copies........................................................................................... $2.00 per page
          Fax Services.................................................................................. $2.00 per page

Wire Transfers

           Incoming....................................................................................... $10.00 each
           Outgoing - Domestic....................................................................... $30.00 each
           Outgoing - International................................................................... $60.00 each

Safe Deposit Boxes

           3” x 5”........................................................................................... $50.00 Annually
           3” x 10”......................................................................................... $75.00 Annually
           5” x 10”......................................................................................... $100.00 Annually
           10” x 10”....................................................................................... $150.00 Annually

Gateway Bank Additional Services Offered

Internet Banking

Consumer:

                  Online Banking (View Account/Transfer)..................................... Free
                  Online Bill Pay.......................................................................... $4.95/month
                  Introductory (3 months)............................................................ Free

Commercial:

                   Online Banking (View Account/Transfer)................................... Free
                   Online Bill Pay (includes 15 bill payments per statement cycle,
       $1 per item exceeding the 15 items).......................................... $9.95/month
                   Introductory (3 months)........................................................... Free