Section 20B - EXPENSE PATTERNS FOR SELECTED SERVICES AND GOODS

COIN OPERATED LAUNDRY OR DRY CLEANING MACHINES

clothing		quilts		linens
coats		rugs		drapes

LAUNDRY OR DRY CLEANING SERVICES

clothing		quilts		linens
coats		rugs		drapes

CIGARETTES

OTHER TOBACCO PRODUCTS

cigars

pipe tobacco

chewing tobacco

HAIRCUTTING, STYLING, MANICURES, MASSAGES AND OTHER SALON SERVICES

hair coloring		pedicures		facials
waxing		tanning salons

SAFE DEPOSIT BOX LOCATED IN A BANK OR SIMILAR FINANCIAL INSTITUTION

CHARGES OR FEES FOR PERSONAL FINANCIAL SERVICES SUCH AS ATM FEES OR ACCOUNT SERVICE CHARGES FROM FINANCIAL INSTITUTIONS SUCH AS BANKS, CREDIT UNIONS, AND FINANCE COMPANIES

ATM fees		regular service charges		check order fee
certified check fee		money order fee		online banking and bill payment fee
check cashing fee		below minimum balance fee		POS Transaction fees
monthly maintenance fee/service charge		teller transaction fee		traveler's check fee
cashier's/bank check fee		insufficient funds/returned check fee		returned deposit fee
CD early withdrawal penalty		replacement ATM/Debit card fee		loan origination/application fee
wire transfer fee		stop payment fee		check or statement copy fee
negative balance fee		currency exchange fee

  fees for personal loans, excluding those for real estate management fee for trust, custodial or escrow accounts

TAXI OR LIMOUSINE SERVICE

MASS TRANSPORTATION SERVICES SUCH AS A BUS, SUBWAY, MINI-BUS OR TRAIN

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Last Modified Date: September 19, 2008