Overdraft Protection

Under our standard overdraft practices:

• We will charge you a fee of up to $36 each time we pay an overdraft.
• There is no limit on the total fees we can charge you for overdrawing your account.

We do authorize and pay overdrafts for the following types of transactions:

• Checks and other transactions made using your checking account number
• Automatic bill payments

We will not authorize and pay overdrafts after August 15, 2010, for the following types of transactions unless you ask us to:

• ATM transactions
• Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any transaction.

Your transaction will be declined if we do not authorize and pay an overdraft.