Below is an outline of our bank fees, effective July 1, 2002. Should you have any questions, please contact us.

Service	Explanation	Fee	Guidelines
Personal Internet Banking	Access account transaction and balance information View cleared check images Transfer funds between your NSB accounts Transfer funds to and from external accounts Export transactions to Quicken and Microsoft Money Reorder checks Secure online communication with Customer Service	No Charge	Available for personal accounts only. External account transfers are subject to account verification and credit approval.
Personal Internet Bill Pay	Schedule recurring or one time bill payments Receive and pay electronic bills Email payments to friends Export payments to Quicken and Microsoft Money	No Charge	Available for personal accounts only.

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Service	Explanation	Fee	Guidelines
Business Internet Banking	Multi user access with definable levels of access Access account transactions and balance information View cleared check images Transfer funds between your NSB accounts Reorder checks Export transactions to QuickBooks, Quicken and Microsoft Money Secure online communication with Customer Service	No Charge	Available for business clients only. Business clients may also view their personal accounts through this service. Service includes up to 350 aggregate account transactions per month. Additional transactions are $0.20 each.
Optional Services	Employee Direct Deposit	$12.50 per month for up to 5 direct deposits $.50 each after 5	Subject to credit approval.
	Federal Tax Payments	$2.50 each	Subject to credit approval.
Business Internet Bill Pay	Schedule recurring or one time bill payments Receive and pay electronic bills Include invoice information with payments Export payments to Quicken and Microsoft Money	$9.95 per month for up to 20 bills $0.50 each after 20	Available for business clients only.

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Service	Explanation	Fee	Guidelines
Personal PC Banking	Access account information Transfer funds using Quicken and Microsoft Money	No Charge	Available for personal accounts.
Personal PC Bill Pay	Pay Bills using Quicken or Microsoft Money	$4.95 per month for up to 20 bills $0.50 each after 20 regardless of account type	Base fee is waived for clients with a New Reward account that has a maintained minimum monthly balance of $2,000. (This account not offered after 9-1-2007)

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Service	Explanation	Fee	Guidelines
Business PC Banking	Access account information Transfer funds using QuickBooks	$4.95 per month	Available for business clients.
Business PC Bill Pay	Pay Bills using QuickBooks	$9.95 per month for up to 20 bills $0.50 each after 20	Available for business clients.

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