Common use of Overdraft Courtesy Policy Clause in Contracts

Overdraft Courtesy Policy. Overdraft Courtesy is an option for certain Accounts that are in good standing. It is not a line of credit. With Overdraft Courtesy, the Bank may in its sole discretion pay certain Items that overdraw your Account, such as checks and automatic bill payments. The Bank’s payment of Overdrafts is not guaranteed with Overdraft Courtesy, and it may cease at any time without prior notice or cause. ATM and everyday debit Card transactions are not eligible for Overdraft Courtesy unless you opt in to such coverage. If you opt in to this Overdraft Courtesy coverage, we may in our discretion pay an ATM or everyday debit Card transaction that exceeds your Available Balance and we will charge you a fee for the Overdraft. If you do not opt in to this Overdraft Courtesy coverage, or you revoke your consent, we will decline any ATM or everyday debit Card transactions that exceed the Available Balance in your Account and you will not be charged a fee. An “everyday” debit Card transaction is a single, non-recurring transaction. Examples include transactions at a merchant location or purchases made by telephone or online. You also have the option to cancel Overdraft Courtesy and direct the Bank to return Items that would cause an Overdraft. To get more information about Overdraft Courtesy or to opt-in or change your coverage election, please call our Client Care Center at 0-000-000-0000. We also offer other services that may help you manage Overdrafts on your Account, including automatically transferring funds from a linked Account or line of credit. Contact our Client Care Center at 1-800-731- 2265 or visit our website at xxxxxxxxxxx.xxx for details.

Overdraft Courtesy Policy. Overdraft Courtesy is an option for certain Accounts that are in good standing. It is not a line of credit. With Overdraft Courtesy, the Bank may in its sole discretion pay certain Items that overdraw your Account, such as checks and automatic bill payments. The Bank’s payment of Overdrafts is not guaranteed with Overdraft Courtesy, and it may cease at any time without prior notice or cause. ATM and everyday debit Card transactions are not eligible for Overdraft Courtesy unless you opt in to such coverage. If you opt in to this Overdraft Courtesy coverage, we may in our discretion pay an ATM or everyday debit Card transaction that exceeds your Available Balance and we will charge you a fee for the Overdraft. If you do not opt in to this Overdraft Courtesy coverage, or you revoke your consent, we will decline any ATM or everyday debit Card transactions that exceed the Available Balance in your Account and you will not be charged a fee. An “everyday” debit Card transaction is a single, non-recurring transaction. Examples include transactions at a merchant location or purchases made by telephone or online. You also have the option to cancel Overdraft Courtesy and direct the Bank to return Items that would cause an Overdraft. To get more information about Overdraft Courtesy or to opt-in or change your coverage election, please call our Client Care Center at 0-000-000-0000. We also offer other services that may help you manage Overdrafts on your Account, including automatically transferring funds from a linked Account or line of credit. Contact our Client Care Center at 1-800-731- 2265 or visit our website at xxxxxxxxxxx.xxx for details.. SECTION 6: FUNDS AVAILABILITY POLICY

Overdraft Courtesy Policy. Overdraft Courtesy The Bank is not obligated to pay any item presented for payment if your account does not contain sufficient available funds. Any payment by the Bank of a non-sufficient fund check or checks, debit transactions, electronic funds transfer (or other item) does not obligate the Bank to pay an option additional or subsequent non-sufficient fund check, debit, electronic transfer or item. Certain products are not eligible for certain Accounts that overdraft courtesy. For additional information on which products are eligible, please contact the Client Care Center at 0-000-000-0000. Pursuant to the Bank’s commitment to always provide excellent customer service, if your Account (primarily used for personal and household purposes) has generally been in good standing. It is , which includes: • Not being subject to any legal or administrative order or levy; and • Not being managed by the Bank’s collection department the Bank may consider as a discretionary courtesy, not a line right or obligation, paying your overdrafts within the limits described in this policy. This overdraft courtesy will generally be limited to a maximum of credita $200 overdraft (negative) balance for Accounts open up to 90 days and $1050 overdraft (negative) balance for Accounts open over 90 days. With Overdraft CourtesyAny and all bank fees and charges, including without limitation, the non-sufficient fund/overdraft item fees (as set forth in our fee schedules) will be included in this limit. A non-sufficient/overdraft item fee applies to overdrafts created by check, in-person withdrawal or other electronic means. The total of the courtesy overdraft (negative) balance, including any and all bank fees and charges and all nonsufficient fund/overdraft item fees, is due and payable upon demand, and Depositor and each Authorized Signatory will continue to be liable for such amounts, as described in this Agreement. Generally, the Bank may in its sole discretion pay certain Items that overdraw your Account, such as checks and automatic bill payments. The Bank’s payment of Overdrafts is not guaranteed with Overdraft Courtesy, and it may cease at any time without prior notice or causelimit this courtesy to only one Account per household. ATM and everyday debit Card card transactions are not eligible for Overdraft Courtesy overdraft courtesy unless you opt in in, or affirmatively consent, to such coverageoverdraft courtesy. If you For more information on how to opt in to this Overdraft Courtesy coverage, we may in our discretion pay an overdraft courtesy for ATM or and everyday debit Card transaction that exceeds your Available Balance and we will charge you a fee for the Overdraft. If you do not opt in to this Overdraft Courtesy coverage, or you revoke your consent, we will decline any ATM or everyday debit Card transactions that exceed the Available Balance in your Account and you will not be charged a fee. An “everyday” debit Card transaction is a single, non-recurring card transaction. Examples include transactions at a merchant location or purchases made by telephone or online. You also have the option to cancel Overdraft Courtesy and direct the Bank to return Items that would cause an Overdraft. To get more information about Overdraft Courtesy or to opt-in or change your coverage election, please call our Client Care Center at 0-000-000-0000. We also offer other services that Again, approval of reasonable overdrafts by the Bank on consumer Accounts in good standing (as described above) is only a courtesy, and not a right or obligation and is within the Bank’s sole and absolute discretion, and can cease at any time without prior written notice or reason or cause. If you wish to opt into the overdraft courtesy you may help you manage Overdrafts on your Account, including automatically transferring funds from a linked Account or line of credit. Contact do so by calling our Client Care Center at 10-800000-731- 2265 or visit our website at xxxxxxxxxxx.xxx for details000-0000.

Overdraft Courtesy Policy. Overdraft Courtesy The Bank is not obligated to pay any item presented for payment if your account does not contain sufficient available funds. Any payment by the Bank of a non-sufficient fund check or checks, debit transactions, electronic funds transfer (or other item) does not obligate the Bank to pay an option additional or subsequent non-sufficient fund check, debit, electronic transfer or item. Certain products are not eligible for certain Accounts that overdraft courtesy. For additional information on which products are eligible, please contact the Client Care Center at 0-000-000-0000. Pursuant to the Bank’s commitment to always provide excellent customer service, if your Account (primarily used for personal and household purposes) has generally been in good standing. It is , which includes: • Not being subject to any legal or administrative order or levy; and • Not being managed by the Bank’s collection department the Bank may consider as a discretionary courtesy, not a line right or obligation, paying your overdrafts within the limits described in this policy. This overdraft courtesy will generally be limited to a maximum of credita $200 overdraft (negative) balance for Accounts open up to 90 days and $1050 overdraft (negative) balance for Accounts open over 90 days. With Overdraft CourtesyAny and all bank fees and charges, including without limitation, the non- sufficient fund/overdraft item fees (as set forth in our fee schedules) will be included in this limit. A non-sufficient/overdraft item fee applies to overdrafts created by check, in-person withdrawal or other electronic means. The total of the courtesy overdraft (negative) balance, including any and all bank fees and charges and all nonsufficient fund/overdraft item fees, is due and payable upon demand, and Depositor and each Authorized Signatory will continue to be liable for such amounts, as described in this Agreement. Generally, the Bank may in its sole discretion pay certain Items that overdraw your Account, such as checks and automatic bill payments. The Bank’s payment of Overdrafts is not guaranteed with Overdraft Courtesy, and it may cease at any time without prior notice or causelimit this courtesy to only one Account per household. ATM and everyday debit Card card transactions are not eligible for Overdraft Courtesy overdraft courtesy unless you opt in in, or affirmatively consent, to such coverageoverdraft courtesy. If you For more information on how to opt in to this Overdraft Courtesy coverage, we may in our discretion pay an overdraft courtesy for ATM or and everyday debit Card transaction that exceeds your Available Balance and we will charge you a fee for the Overdraft. If you do not opt in to this Overdraft Courtesy coverage, or you revoke your consent, we will decline any ATM or everyday debit Card transactions that exceed the Available Balance in your Account and you will not be charged a fee. An “everyday” debit Card transaction is a single, non-recurring card transaction. Examples include transactions at a merchant location or purchases made by telephone or online. You also have the option to cancel Overdraft Courtesy and direct the Bank to return Items that would cause an Overdraft. To get more information about Overdraft Courtesy or to opt-in or change your coverage election, please call our Client Care Center at 0-000-000-0000. We also offer other services that Again, approval of reasonable overdrafts by the Bank on consumer Accounts in good standing (as described above) is only a courtesy, and not a right or obligation and is within the Bank’s sole and absolute discretion, and can cease at any time without prior written notice or reason or cause. If you wish to opt into the overdraft courtesy you may help you manage Overdrafts on your Account, including automatically transferring funds from a linked Account or line of credit. Contact do so by calling our Client Care Center at 10-800000-731- 2265 or visit our website at xxxxxxxxxxx.xxx for details000-0000.