OCEANFIRST BANK PERSONAL FEE SCHEDULE

Effective January 1, 2008

Account Related Fees
Service Fee
Bank Checks $10 Each
Bond Coupon Deposit $5 Per envelope
Check Card ATM Services
          Visa® Check Card
          Free for Platinum customers,  Simply Great Checking,
             BlueChip and A+ Student Checking


          Replacement Card
          Expedited Delivery

$15 Year / Account



$5 Each
$20 Per Delivery
Check Images with Statement Free
Check Printing
          and Checking Account Supplies
          Free for Simply Great Checking and Blue Chip Accounts

Fee varies based on style
Certified Checks $15 Each
Collections
          By Another Institution of an OceanFirst Account
          Charge off

          By OceanFirst of Foreign Checks


$30 Per transfer
$50 Per account

$25 + Charges
OceanFirst is assessed
Copy of:
          Account Activity
          Cancelled Checks
          (Includes Bank Checks and Money Orders)
          Deposit/Deposited Items         
          Online Bill Pay Draft
          Statements

$5 Each
$5 Each

$5 Per ticket/item
$20 Each
$5 Each
Escheat Fee $100 Each Item
Generations Gold $4.95/Month
Inactive Account
        Applies to no-minimum balance checking accounts with no
           activity for prior 6 months.
$5 Per month
Insufficient/Uncollected Funds
          (Includes checks, Visa® Check Card transactions,
          ATM withdrawals, Electronic Funds Transfers,
          Internal Transfers, and Online Bill Pay)

          Returned / Paid items

          Loan payment returned items
          Sustained Overdraft






$35 Each

$35
$5/Day (Beginning on the 10th Consecutive day account is overdrawn)
Legal Actions: levies, subpoenas, etc. $100
Money Market Accounts
          (over 3 checks per statement)

$10 Each
No Mail Fee $5 Per Month
Overdraft Protection Via:
          Transfer of Funds from another OceanFirst Account
          Unsecured Line of Credit

$15 Per day
Applicable interest charges
Premature Account Closing Fee
        Applies to checking and savings accounts
        within 6 months of account opening
$25
Research/Reconcilement $25 Per hour
Return of a Deposited or Cashed Item $15 Each
Return of Original Checks $1.50 Per month
Stop Payment
          (Includes Checks, Electronic Fund Transfers,Bank
           Checks, and Money Orders)


$25 Each
Wire Transfers - Customers Only
          Incoming
          Outgoing - Domestic
          Outgoing - Foreign
          Return / Reversal

$10 Each
$25 Each
$40 Each
$25 Each


Fees For Other Services
Service Fee
American Express
          Traditional Style Travelers Cheques
          Gift Checks

2.0 % of purchase
$2.50 Each
Financial Consultation Free
Money Orders
          Customers
          Non-Customers

$3 Each
$7 Each
Notary Service Free
Safe Deposit Boxes:
1/2 price up to $25 for Platinum customers
Annual Price Includes Sales Tax
          2 X 5
          3 X 5
          5 X 5
          3 X 10
          5 X 10
          10 X 10
          Late Fee
          Lost Key
          Drilling



$35
$45
$60
$70
$100
$175
$10
$15
$175
Will Review Free
ONLINE BANKING: www.oceanfirst.com
          Online Account Access
          Internal Account Transfers
          Bill Pay Services (Free with Simply Great Checking
                   and Blue Chip Investment Account tied to any
                   personal checking)



          Bill Pay Stop Payment

Free
Free
FREE First 6 months
$5.95 per month, unlimited items

$30 Per Item







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