Common use of Overdraft Privilege Clause in Contracts

Overdraft Privilege. We may pay checks or drafts, permit withdrawals, and make transfers to your account from insufficient funds if you have established an overdraft protection plan. In addition, the account must be maintained in good standing as defined by: 1) Making regular deposits sufficient to cover transactions, 2) Bringing the account to a positive balance at least once every thirty days or less, and 3) There are no legal orders placed on your account. Your account may be subject to a fee for each overdraft regardless of whether we pay or return the overdraft. In addition, there may be additional fees (courts costs, collection fees, etc) if your account is not brought positive in 30 days. INACTIVE ACCOUNTS – If you have not made any transactions to your account over a period of time as specified in the Truth-In-Savings Disclosure, we may classify your account as inactive or dormant. We will charge a fee as noted in the Rate and Fee Schedule. Funds may be transferred to the appropriate state in accordance with unclaimed property law if the account becomes abandoned/unclaimed as defined by law. STOP PAYMENT ORDERS – Any owner may request a stop payment order on a check or draft drawn on the owner’s account. To be binding, the order must be in writing, date and signed, and must accurately describe the check or draft, including the exact account number, check or draft number and the dollar amount. We must receive sufficient advance notice of the stop payment order to allow us a reasonable opportunity to act on it. Oral stop payments will lapse within 14 calendar days unless confirmed in writing within that time. Written stop payment orders are effective for six (6) months and may be renewed for an additional six months. We are not required to notify you when a stop payment order expires. Stop payment fees are noted in the Rate and Fee Schedule. IDENTITY RESTORATION – With the increase in identity theft, recent regulation enacted by the Fair and Accurate Credit Transactions Act (FACTA) require that we implement additional measures to safeguard your account and our financial institution. You will automatically receive the identity recovery benefit (IDSafeChoice) at the time your account is opened. The fee associated with this benefit is ninety-five cents ($0.95) per family, per month. The coverage includes you and your domestic partner, your children under the age of 25 with the same permanent address and your parents living with you, or in a nursing home, hospice or assisted living. ACCOUNT TERMINATION – We reserve the right to close your account without prior notification if: A) A forgery or fraud had been reported or committed involving your account(s), B) Your checks are lost or stolen, C) You have excessive returned unpaid items which are not covered by overdraft protection and D) You have abused or misrepresented your account(s).

Overdraft Privilege. Overdrafts are paid at the Credit Union’s discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. Overdraft privileges eligibility is at the sole discretion of the Credit Union and is based on your managing your checking account in a responsible manner. If we do not authorize and pay an overdraft, your transaction will be declined and the fees will be charged according to the Fee Schedule. All deposits to overdrawn accounts are applied to the negative balance. We may pay checks or drafts, permit withdrawals, and make transfers can cover your overdrafts in the following ways: a. Linking to your share savings account. When your checking account is opened, at the credit unions’ discretion, we may set it up to transfer funds needed from insufficient funds if you have established an overdraft protection plan. In addition, the your savings account must be maintained in good standing as defined by: 1) Making regular deposits sufficient to cover transactions, 2) Bringing the account to a positive balance at least once every thirty days or less, and 3) your overdrafts. There are no legal orders placed on your account. Your account may be subject to is a fee for each this, please see the current Fee Schedule. b. Courtesy Pay. 60 days after an eligible checking account is opened (see “account limitations”), checks and other electronic transactions made using your checking account number or automatic bill payments (opt-in to include ATM and debit card transactions) will be covered at our discretion generally up to $500 which includes the overdraft regardless items and applicable fees as disclosed in the Fee Schedule. No application is required and eligibility is at the sole discretion of whether we pay or return the overdraftCredit Union and is based on you managing your checking account in a reasonable manner. In additionFor example, there may be additional fees (courts costs, collection fees, etc) if your account is not brought positive in within 30 days, this privilege will be suspended. INACTIVE ACCOUNTS – If At 45 days, your account will be closed and we may turn over your account to a collection agency. c. Payment order of items. The order in which items are presented may affect the total fees assessed to your account. The first items we pay are any items submitted electronically: all ACH items, preauthorized automatic transfer, telephone-initiated transfers, ATM withdrawals, debit card transactions, and any other electronic transfers. We then pay any share draft checks cashed on your account or that you have not made any transactions written to your account over a period of time as specified in the Truth-In-Savings Disclosureus. Finally, we may classify your account as inactive or dormant. We will charge a fee as noted in pay the Rate and Fee Schedule. Funds may be transferred to the appropriate state in accordance with unclaimed property law if the account becomes abandoned/unclaimed as defined by law. STOP PAYMENT ORDERS – Any owner may request a stop payment order remaining items based on a check or draft drawn on the owner’s account. To be binding, the order must be in writing, date and signed, and must accurately describe the check or draft, including the exact account number, check or draft number and the dollar amount. We must receive sufficient advance notice of ; from the stop payment order to allow us a reasonable opportunity to act on it. Oral stop payments will lapse within 14 calendar days unless confirmed in writing within that time. Written stop payment orders are effective for six (6) months and may be renewed for an additional six months. We are not required to notify you when a stop payment order expires. Stop payment fees are noted in the Rate and Fee Schedule. IDENTITY RESTORATION – With the increase in identity theft, recent regulation enacted by the Fair and Accurate Credit Transactions Act (FACTA) require that we implement additional measures to safeguard your account and our financial institution. You will automatically receive the identity recovery benefit (IDSafeChoice) at the time your account is opened. The fee associated with this benefit is ninety-five cents ($0.95) per family, per month. The coverage includes you and your domestic partner, your children under the age of 25 with the same permanent address and your parents living with you, or in a nursing home, hospice or assisted living. ACCOUNT TERMINATION – We reserve the right to close your account without prior notification if: A) A forgery or fraud had been reported or committed involving your account(s), B) Your checks are lost or stolen, C) You have excessive returned unpaid items which are not covered by overdraft protection and D) You have abused or misrepresented your account(s)listed herein.

Overdraft Privilege. We may Overdraft Privilege is offered as a courtesy to our members who qualify for this service. Do not rely on Overdraft Privilege to pay your items—it is intended only as a courtesy in the event you accidentally overdraw your account. Overdraft Privilege is a standard overdraft practice included on your Checking Account for checks or drafts, permit withdrawalsand ACH transactions made using your Checking Account number, and make transfers automatic bill payments, unless you ask us to not use Overdraft Privilege for your account for these types of transactions. Due to regulatory requirements, members must “opt in” to Overdraft Privilege for everyday debit card (Debit Card) transactions. Your ability to “Opt In” may be limited or restricted to prevent structured or intended abuse of the program. The amount of the Overdraft Privilege fee is set forth in the Truth in Savings Fee Schedule. Overdraft Privilege can be revoked at our sole and absolute discretion. There are also other overdraft protection plans (a link to an SFCU Savings Account or a link to an SFCU Line of Credit, if you apply and qualify for such account(s)), and there are no fees associated with these overdraft protection plans. In the event these other overdraft protection plans are utilized, we will use our best efforts to transfer funds from the eligible Savings Account to your account from insufficient Checking Account, or to make an advance of funds under the eligible Line of Credit Agreement to your Checking Account, to remedy the overdraft. Our Overdraft Privilege service may be available when no other form of overdraft protection plan is available. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction, even if you have established asked us to do so—if we do not authorize and pay an overdraft protection planoverdraft, your transaction will be declined. In additionthe event that we do pay any such order or item, we will not waive our right to dishonor any subsequent orders or items presented. Each Party to any of your accounts will be jointly and severally liable for overdrafts (including without limitation the account applicable fees) and other obligations owed to us that are caused by any other Party to the account. The negative balance and applicable fees must be maintained in good standing as defined by: 1) Making regular deposits sufficient to cover transactions, 2) Bringing the account to a positive balance at least once every thirty days or less, and 3) There are no legal orders placed on your account. Your account may be subject to a fee for each overdraft regardless of whether we pay or return the overdraft. In addition, there may be additional fees (courts costs, collection fees, etc) if your account is not brought positive in cleared by you within 30 days. INACTIVE ACCOUNTS – You can make, change, or revoke your choices regarding standard overdraft practices and overdraft protection plans, and optional overdraft practices available for your account, in-person, orally over the phone, via secured message or online chat, and in your My Profile in Online Banking. If you do not have not made any transactions to enough Available Balance in your account over to cover a period of time as specified in the Truth-In-Savings Disclosure, we may classify your account as inactive or dormant. We will charge a fee as noted in the Rate and Fee Schedule. Funds may be transferred to the appropriate state in accordance with unclaimed property law if the account becomes abandoned/unclaimed as defined by law. STOP PAYMENT ORDERS – Any owner may request a stop payment order on a check or draft drawn on the owner’s account. To be binding, the order must be in writing, date and signedtransaction, and must accurately describe the check or draft, including the exact account number, check or draft number and the dollar amount. We must receive sufficient advance notice of the stop payment order to allow us a reasonable opportunity to act on it. Oral stop payments will lapse within 14 calendar days unless confirmed in writing within that time. Written stop payment orders are effective for six (6) months and may be renewed for an additional six months. We are not required to notify you when a stop payment order expires. Stop payment fees are noted in the Rate and Fee Schedule. IDENTITY RESTORATION – With the increase in identity theft, recent regulation enacted by the Fair and Accurate Credit Transactions Act (FACTA) require that we implement additional measures to safeguard your account and our financial institution. You will automatically receive the identity recovery benefit (IDSafeChoice) at the time of the transaction no overdraft practices or protection plans exist on your account is opened. The fee associated with this benefit is ninety-five cents ($0.95) per familyi.e., per month. The coverage includes you have opted out of all of SFCU’s standard overdraft practices and your domestic partner, your children under overdraft protection plans and not opted into the age of 25 with the same permanent address and your parents living with you, or in a nursing home, hospice or assisted living. ACCOUNT TERMINATION – We reserve the right to close your account without prior notification if: A) A forgery or fraud had been reported or committed involving your account(soptional Overdraft Privilege), B) Your checks are lost or stolenthen the transaction will be declined, C) You have excessive the item will be returned unpaid items which are not covered by overdraft protection due to insufficient funds, and D) an insufficient fund fee will be charged per item. Please see the “What You have abused or misrepresented your account(s)Need to Know About Overdraft Protection” and the Truth in Savings Fee Disclosure.

Overdraft Privilege. Overdrafts are paid at the Credit Union’s discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. Overdraft privileges eligibility is at the sole discretion of the Credit Union and is based on your managing your checking account in a responsible manner. If we do not authorize and pay an overdraft, your transaction will be declined and the fees will be charged according to the Fee Schedule. All deposits to overdrawn accounts are applied to the negative balance. We may pay checks or drafts, permit withdrawals, and make transfers can cover your overdrafts in the following ways: a. Linking to your share savings account. When your checking account is opened, at the credit unions’ discretion, we may set it up to transfer funds needed from insufficient funds if you have established an overdraft protection plan. In addition, the your savings account must be maintained in good standing as defined by: 1) Making regular deposits sufficient to cover transactions, 2) Bringing the account to a positive balance at least once every thirty days or less, and 3) your overdrafts. There are no legal orders placed on your account. Your account may be subject to is a fee for each this, please see the current Fee Schedule. b. Sure Pay. 60 days after an eligible checking account is opened (see “account limitations”), checks and other electronic transactions made using your checking account number or automatic bill payments (opt-in to include ATM and debit card transactions) will be covered at our discretion generally up to $500 which includes the overdraft regardless items and applicable fees as disclosed in the Fee Schedule. No application is required and eligibility is at the sole discretion of whether we pay or return the overdraftCredit Union and is based on you managing your checking account in a reasonable manner. In additionFor example, there may be additional fees (courts costs, collection fees, etc) if your account is not brought positive in within 30 days, this privilege will be suspended. INACTIVE ACCOUNTS – If At 45 days, your account will be closed and we may turn over your account to a collection agency. c. Payment order of items. The order in which items are presented may affect the total fees assessed to your account. The first items we pay are any items submitted electronically: all ACH items, preauthorized automatic transfer, telephone-initiated transfers, ATM withdrawals, debit card transactions, and any other electronic transfers. We then pay any share draft checks cashed on your account or that you have not made any transactions written to your account over a period of time as specified in the Truth-In-Savings Disclosureus. Finally, we may classify your account as inactive or dormant. We will charge a fee as noted in pay the Rate and Fee Schedule. Funds may be transferred to the appropriate state in accordance with unclaimed property law if the account becomes abandoned/unclaimed as defined by law. STOP PAYMENT ORDERS – Any owner may request a stop payment order remaining items based on a check or draft drawn on the owner’s account. To be binding, the order must be in writing, date and signed, and must accurately describe the check or draft, including the exact account number, check or draft number and the dollar amount. We must receive sufficient advance notice of ; from the stop payment order to allow us a reasonable opportunity to act on it. Oral stop payments will lapse within 14 calendar days unless confirmed in writing within that time. Written stop payment orders are effective for six (6) months and may be renewed for an additional six months. We are not required to notify you when a stop payment order expires. Stop payment fees are noted in the Rate and Fee Schedule. IDENTITY RESTORATION – With the increase in identity theft, recent regulation enacted by the Fair and Accurate Credit Transactions Act (FACTA) require that we implement additional measures to safeguard your account and our financial institution. You will automatically receive the identity recovery benefit (IDSafeChoice) at the time your account is opened. The fee associated with this benefit is ninety-five cents ($0.95) per family, per month. The coverage includes you and your domestic partner, your children under the age of 25 with the same permanent address and your parents living with you, or in a nursing home, hospice or assisted living. ACCOUNT TERMINATION – We reserve the right to close your account without prior notification if: A) A forgery or fraud had been reported or committed involving your account(s), B) Your checks are lost or stolen, C) You have excessive returned unpaid items which are not covered by overdraft protection and D) You have abused or misrepresented your account(s)listed herein.

Overdraft Privilege. We may pay checks or drafts, permit withdrawals, and make transfers Overdraft Privilege is a service we add to your checking account from insufficient funds if you have established an overdraft protection plan. In addition, the account must be maintained in good standing to cover Overdrafts (as defined by: 1below) Making regular deposits sufficient to cover transactions, 2) Bringing the account to a positive balance at least once every thirty days or lessset limit, and 3) There are no legal orders placed on your account. Your account may be subject to a fee for each overdraft regardless of whether we pay or return the overdraftEligibility criteria listed below. In addition, there may be additional fees (courts costs, collection fees, etc) if your account is not brought positive in 30 days. INACTIVE ACCOUNTS – If you have not made any transactions to your account over a period of time as specified in the Truth-In-Savings Disclosure, we may classify your account as inactive or dormant. We will charge a fee as noted in the Rate and Fee Schedule. Funds may be transferred to the appropriate state in accordance with unclaimed property law if the account becomes abandoned/unclaimed as defined by law. STOP PAYMENT ORDERS – Any owner may request a stop payment order on a check or draft drawn on the owner’s account. To be binding, the order must be in writing, date and signed, and must accurately describe the check or draft, including the exact account number, check or draft number and the dollar amount. We must receive sufficient advance notice of the stop payment order to allow us a reasonable opportunity to act on it. Oral stop payments will lapse within 14 calendar days unless confirmed in writing within that time. Written stop payment orders are effective for six (6) months and may be renewed for an additional six months. We are not required to notify you when a stop payment order expires. Stop payment fees are noted in the Rate and Fee Schedule. IDENTITY RESTORATION – With the increase in identity theft, recent regulation enacted by the Fair and Accurate Credit Transactions Act (FACTA) require that we implement additional measures to safeguard your account and our financial institution. You will automatically receive the identity recovery benefit (IDSafeChoice) at the time your account is opened. The fee associated with this benefit is ninety-five cents ($0.95) per family, per month. The coverage includes you and your domestic partner, your children under the age of 25 with the same permanent address and your parents living with you, or in a nursing home, hospice or assisted living. ACCOUNT TERMINATION – We reserve the right to close unilaterally refuse to pay any Overdraft. With Overdraft Privilege we generally will pay your Overdraft from checks, debits and other Overdraft Items (as defined below). However, we will not pay any Overdraft with the Overdraft Privilege service if your account without prior notification ifis already Overdrawn by more than $500 (personal accounts) or $1,000 (business accounts) or would become Overdrawn by more than $500 (personal accounts) or $1,000 (business accounts) if we paid the Overdraft. For purposes of this $500 (personal accounts) and $1,000 (business accounts) limits, all Overdrafts and associated fees are included in the calculation of this limit. For ATM and one-time debit card transactions, unless you have given your consent (opted-in) by completing and submitting our Overdraft Consent Form, we never charge an Overdraft Fee if we pay an ATM or one-time debit card transaction when you have an insufficient Available Balance to pay that transaction. Eligibility - No application is required for the Overdraft Privilege; eligibility is based on you managing your checking account in a responsible manner. You will be eligible for the Overdraft Privilege unless: ASuspension of Privilege - After the Overdraft Privilege has been activated, we have the right to suspend it at any time if you fail to meet the eligibility criteria. Items Covered by Overdraft Privilege - This Overdraft Privilege service applies to all of the following if they are presented to your account for payment and cause an Overdraft, unless you “Opt Out” as described below: checks, in-person withdrawals, automated clearinghouse (ACH) transactions, Internet Banking transactions, Telephone Banking transactions, bill payment transactions and other payments that you preauthorize from your account. Understanding Your Checking Account Balance - Keeping track of your balance is important. You can review your balance in a number of ways including reviewing your periodic statement, Internet Banking, by phone, at an ATM owned by us, or coming into one of our branch locations. The Difference Between your Available Balance and Your Ledger/Current Account Balance: If You Do Not Want the Overdraft Privilege Service: Opting Out - You may never need to take advantage of these overdraft checking account payment options, but you may find them useful in the event of a temporary and inadvertent shortfall. In the event that you do not want to have Overdraft Privilege, simply complete the attached Opt- Out Form, return to us, and we will remove this benefit from your checking account. If you choose to opt-out of our Overdraft Privilege Service, we will not authorize and pay these overdrafts or, if we do pay these overdrafts in our sole discretion, we will not charge you an overdraft fee. In addition, if you opt-in to our payment of your ATM and onetime debit card transactions but opt-out of the Overdraft Privilege Service, we still may pay your ATM and onetime debit card transactions (and charge you an Overdraft Fee) if they cause an Overdraft or are presented when your account is already Overdrawn. However, we all Overdraft Transactions only in our discretion, which means that we do not guarantee that we always authorize and pay any type of transaction. Additional Information - The Overdraft Privilege Disclosure supplements, forms a part of, and is incorporated by reference into the Deposit Account Agreement, as in effect from time to time, by and between you and us. Line of Credit - A forgery or fraud had been reported or committed involving line of credit is available to approved checking accountholders to cover certain overdraft checks and debits described above. This service requires you to complete an application. Your approval and approved limit is based on your account(s)creditworthiness, B) Your checks and the terms under which we make a line of credit available are lost or stolendisclosed in our Overdraft Protection Agreement. Bluestone Bank FIRST, C) You have excessive returned unpaid items which are not covered by overdraft protection and D) You have abused or misrepresented your account(s).MIDDLE & LAST NAME: CURRENT MAILING ADDRESS: DEPOSIT ACCOUNT NUMBER: SIGNATURE: DISCLOSURE STATEMENT: REG E OPT-IN

Overdraft Privilege. We may pay checks or drafts, permit withdrawals, and make transfers Overdraft Privilege is a service we add to your checking account from insufficient funds if you have established an overdraft protection plan. In addition, the account must be maintained in good standing to cover Overdrafts (as defined by: 1below) Making regular deposits sufficient to cover transactions, 2) Bringing the account to a positive balance at least once every thirty days or lessset limit, and 3) There are no legal orders placed on your account. Your account may be subject to a fee for each overdraft regardless of whether we pay or return the overdraftEligibility criteria listed below. In addition, there may be additional fees (courts costs, collection fees, etc) if your account is not brought positive in 30 days. INACTIVE ACCOUNTS – If you have not made any transactions to your account over a period of time as specified in the Truth-In-Savings Disclosure, we may classify your account as inactive or dormant. We will charge a fee as noted in the Rate and Fee Schedule. Funds may be transferred to the appropriate state in accordance with unclaimed property law if the account becomes abandoned/unclaimed as defined by law. STOP PAYMENT ORDERS – Any owner may request a stop payment order on a check or draft drawn on the owner’s account. To be binding, the order must be in writing, date and signed, and must accurately describe the check or draft, including the exact account number, check or draft number and the dollar amount. We must receive sufficient advance notice of the stop payment order to allow us a reasonable opportunity to act on it. Oral stop payments will lapse within 14 calendar days unless confirmed in writing within that time. Written stop payment orders are effective for six (6) months and may be renewed for an additional six months. We are not required to notify you when a stop payment order expires. Stop payment fees are noted in the Rate and Fee Schedule. IDENTITY RESTORATION – With the increase in identity theft, recent regulation enacted by the Fair and Accurate Credit Transactions Act (FACTA) require that we implement additional measures to safeguard your account and our financial institution. You will automatically receive the identity recovery benefit (IDSafeChoice) at the time your account is opened. The fee associated with this benefit is ninety-five cents ($0.95) per family, per month. The coverage includes you and your domestic partner, your children under the age of 25 with the same permanent address and your parents living with you, or in a nursing home, hospice or assisted living. ACCOUNT TERMINATION – We reserve the right to close unilaterally refuse to pay any Overdraft. With Overdraft Privilege we generally will pay your Overdraft from checks, debits and other Overdraft Items (as defined below). However, we will not pay any Overdraft with the Overdraft Privilege service if your account without prior notification ifis already Overdrawn by more than $500 (personal accounts) or $1,000 (business accounts) or would become Overdrawn by more than $500 (personal accounts) or $1,000 (business accounts) if we paid the Overdraft. For purposes of this $500 (personal accounts) and $1,000 (business accounts) limits, all Overdrafts and associated fees are included in the calculation of this limit. For ATM and one-time debit card transactions, unless you have given your consent (opted-in) by completing and submitting our Overdraft Consent Form, we never charge an Overdraft Fee if we pay an ATM or one-time debit card transaction when you have an insufficient Available Balance to pay that transaction. Eligibility - No application is required for the Overdraft Privilege; eligibility is based on you managing your checking account in a responsible manner. You will be eligible for the Overdraft Privilege unless: ASuspension of Privilege - After the Overdraft Privilege has been activated, we have the right to suspend it at any time if you fail to meet the eligibility criteria. Items Covered by Overdraft Privilege - This Overdraft Privilege service applies to all of the following if they are presented to your account for payment and cause an Overdraft, unless you “Opt Out” as described below: checks, in-person withdrawals, automated clearinghouse (ACH) transactions, Internet Banking transactions, Telephone Banking transactions, ▇▇▇▇ payment transactions and other payments that you preauthorize from your account. Understanding Your Checking Account Balance - Keeping track of your balance is important. You can review your balance in a number of ways including reviewing your periodic statement, Internet Banking, by phone, at an ATM owned by us, or coming into one of our branch locations. The Difference Between your Available Balance and Your Ledger/Current Account Balance: If You Do Not Want the Overdraft Privilege Service: Opting Out - You may never need to take advantage of these overdraft checking account payment options, but you may find them useful in the event of a temporary and inadvertent shortfall. In the event that you do not want to have Overdraft Privilege, simply complete the attached Opt-Out Form, return to us, and we will remove this benefit from your checking account. If you choose to opt-out of our Overdraft Privilege Service, we will not authorize and pay these overdrafts or, if we do pay these overdrafts in our sole discretion, we will not charge you an overdraft fee. In addition, if you opt-in to our payment of your ATM and onetime debit card transactions but opt-out of the Overdraft Privilege Service, we still may pay your ATM and onetime debit card transactions (and charge you an Overdraft Fee) if they cause an Overdraft or are presented when your account is already Overdrawn. However, we all Overdraft Transactions only in our discretion, which means that we do not guarantee that we always authorize and pay any type of transaction. Additional Information - The Overdraft Privilege Disclosure supplements, forms a part of, and is incorporated by reference into the Deposit Account Agreement, as in effect from time to time, by and between you and us. Line of Credit - A forgery or fraud had been reported or committed involving line of credit is available to approved checking accountholders to cover certain overdraft checks and debits described above. This service requires you to complete an application. Your approval and approved limit is based on your account(s)creditworthiness, B) Your checks and the terms under which we make a line of credit available are lost or stolendisclosed in our Overdraft Protection Agreement. Bluestone Bank Overdraft Privilege Department ▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ FIRST, C) You have excessive returned unpaid items which are not covered by overdraft protection and D) You have abused or misrepresented your account(s).MIDDLE & LAST NAME: CURRENT MAILING ADDRESS: TELEPHONE NUMBER: DEPOSIT ACCOUNT NUMBER:

Overdraft Privilege. We may pay checks or drafts, permit withdrawals, withdrawals and make transfers to your account from insufficient funds if you have established an enrolled in our overdraft protection plan. In additionThe term “pay” in this Agreement means to transfer funds from your account to any other account, including another account in your name, or the account of any third party. However, the fact that we may pay withdrawal requests that overdraw your available account balance does not obligate us to do so later. So, you can NOT rely on us to pay overdrafts on your account regardless of how frequently or under what circumstances we have paid overdrafts on your account in the past. We can change our practice of paying overdrafts on your account without notice to you. You can ask us if we have other account services that might be available to you where we commit to paying overdrafts under certain circumstances, such as an overdraft protection line of credit or a plan to sweep funds from another account you have with us. You agree that we may charge fees for overdrafts. For consumer accounts, we will not charge fees for overdrafts caused by ATM withdrawals or one-time Debit Card transactions if you have not opted-in to that service. We may use subsequent deposits, including direct deposits of social security or other government benefits, to cover such overdrafts and overdraft fees. The actual balance is the amount of money that is actually in your account at any given time. It reflects transactions that have been finally settled and paid to your account (in the case of deposits you receive), or from your account (in the case of payments), but it does not include transactions that have been authorized and are pending. Your available balance is the amount of money in your account that is available to you to use. The available balance may take into account holds placed on deposits and pending transactions (such as pending Debit Card purchases) that have been authorized but that have not yet been paid from your account. The account must be maintained in good standing as defined by: 1) Making regular deposits sufficient to cover transactions, 2) Bringing the account to a positive balance at least once every thirty days or less, and 3) There are no legal orders placed on your account. Your account may be subject to a fee for each overdraft regardless of whether we pay or return the overdraft. In addition, there may be additional fees (courts costs, collection fees, etc.) if your account is not brought positive in 30 days. INACTIVE ACCOUNTS – You may discontinue the overdraft protection plan at any time. If you no longer want us to pay your overdrafts, you must notify us in order to opt-out of this plan. On Day 1, both your actual and available account balance is $100. You use your Debit Card at a restaurant to pay for a $50 meal. Your available balance drops to $50, but your actual balance is still $100 because the transaction is yet to be paid – which means because the transaction is yet to be presented to us for payment, the money promised to the restaurant is still in your account. On Day 2, you go to the ATM and withdraw $80 in cash. Because you have not made any transactions to withdrawn cash, the $80 is immediately paid out of your account over a period (even though you had already promised to use some of time as specified the money you just withdrew from the ATM to pay for the restaurant bill the day before), making your available balance negative $30, but your actual balance $20 (remember your actual balance is the amount of money that is actually in the Truth-In-Savings Disclosureyour account, we may classify not what has been promised to others but not yet paid. You actually had $100 in your account as inactive or dormantbecause the restaurant is yet to present their bill for payment, so when you withdraw $80 from the ATM, you are left with an actual balance of $20, but because the available balance tracks all transactions, your available balance is negative $30). We will charge a fee as noted in On Day 3, the Rate restaurant presents its request for payment for the $50 meal, and Fee Schedulewe pay it from your account. Funds may be transferred to the appropriate state in accordance with unclaimed property law if While this transaction was authorized when the account becomes abandoned/unclaimed as defined had a positive available balance, by law. STOP PAYMENT ORDERS – Any owner may request a stop payment order on a check or draft drawn on the owner’s account. To be binding, the order must be in writing, date and signedtime it is presented to us for payment, and must accurately describe actually paid (meaning the check or draft, including the exact account number, check or draft number and the dollar amount. We must receive sufficient advance notice of the stop payment order to allow us a reasonable opportunity to act on it. Oral stop payments will lapse within 14 calendar days unless confirmed in writing within that time. Written stop payment orders are effective for six (6) months and may be renewed for an additional six months. We are not required to notify you when a stop payment order expires. Stop payment fees are noted in the Rate and Fee Schedule. IDENTITY RESTORATION – With the increase in identity theft, recent regulation enacted by the Fair and Accurate Credit Transactions Act (FACTA) require that we implement additional measures to safeguard money is removed from your account and our financial institution. You will automatically receive sent to the identity recovery benefit (IDSafeChoice) at merchant), your available balance isn’t enough to cover the time transaction, and we settle and pay the bill for the restaurant forcing your account is opened. The fee associated with this benefit is ninety-five cents ($0.95) per family, per month. The coverage includes you and your domestic partner, your children under the age of 25 with the same permanent address and your parents living with you, or in into a nursing home, hospice or assisted living. ACCOUNT TERMINATION – We reserve the right to close your account without prior notification if: A) A forgery or fraud had been reported or committed involving your account(s), B) Your checks are lost or stolen, C) You have excessive returned unpaid items which are not covered by overdraft protection and D) You have abused or misrepresented your account(s)negative actual balance.

Overdraft Privilege. We may pay checks or drafts, permit withdrawals, and make transfers to If your account from insufficient funds if you have established an overdraft protection plan. In addition, the account must be maintained Account remains in good standing as defined byyour Account will be eligible for Overdraft Privilege, an automated service for approving your Overdrafts up to a pre-determined limit. Keeping your account in “good standing” includes, at minimum: 1(i) Making making regular deposits sufficient consistent with your past practices; (ii) depositing an amount equal to cover transactions, 2the amount of discretionary Overdraft privilege extended to you or more in your Account within each thirty (30) Bringing the day period and bringing your account to a positive balance at least once and maintaining that balance in a positive position for 24 hours within every thirty days thirty-five (35) day period; (iii) not being in default on any loan or lessother obligation to us; and (iv) not being subject to any legal or administrative order or other legal process. At the time you open your Account, you will be asked if you would like to elect to participate in our Overdraft Privilege Program (unless you open your account online, in which case you will not be given this option (all online accounts are covered with Basic Overdraft Coverage)). If you choose to participate in Overdraft Privilege, but then wish to un-elect participation in the program, please contact your local banking center. You may also choose whether to opt-in to receiving Extended Overdraft coverage for ATM or one-time Debit Card transactions (also known as “everyday debit transactions”). If you do not opt in but we nonetheless authorize such transactions and this results in an Overdraft, we will not charge an Overdraft fee. You will still be responsible for any applicable returned Item fees. If you opt in, we will still retain sole discretion in deciding whether to authorize such transactions if it appears this will result in an Overdraft to your Account There are three levels of Overdraft Privilege coverage that you may choose from: 1) You may elect not to participate in our Overdraft Privilege. If you do so, in the event you do not have sufficient funds in your Account, all items will be returned non-sufficient funds (NSF) (including but not limited to checks, ACH transactions, Internet, mobile, other banking and bill payment transfers), and 3ATM and every day debit card transactions will not be authorized. 2) There are no legal orders placed on your account. Your account may be subject to a fee for each overdraft regardless of whether we pay or return the overdraft. In addition, there may be additional fees (courts costs, collection fees, etc) if your account is not brought positive in 30 days. INACTIVE ACCOUNTS – If you have not made any transactions to your account over a period of time as specified in the Truth-In-Savings Disclosure, we may classify your account as inactive or dormant. We will charge a fee as noted in the Rate and Fee Schedule. Funds may be transferred to the appropriate state in accordance with unclaimed property law if the account becomes abandoned/unclaimed as defined by law. STOP PAYMENT ORDERS – Any owner may request a stop payment order on a check or draft drawn on the owner’s account. To be binding, the order must be in writing, date and signed, and must accurately describe the check or draft, including the exact account number, check or draft number and the dollar amount. We must receive sufficient advance notice of the stop payment order to allow us a reasonable opportunity to act on it. Oral stop payments will lapse within 14 calendar days unless confirmed in writing within that time. Written stop payment orders are effective for six (6) months and may be renewed for an additional six months. We are not required to notify you when a stop payment order expires. Stop payment fees are noted in the Rate and Fee Schedule. IDENTITY RESTORATION – With the increase in identity theft, recent regulation enacted by the Fair and Accurate Credit Transactions Act (FACTA) require that we implement additional measures to safeguard your account and our financial institution. You will automatically receive Basic Overdraft Coverage (unless you choose to opt out). We will consider approving your reasonable Overdrafts, limited to a maximum “Overdraft privilege limit” Overdraft (negative) balance, depending upon your Account type (See Truth in Savings disclosure). A complete listing of current Overdraft privilege amounts for each Account type may be obtained upon request from us. Basic Overdraft Coverage will apply to checks, ACH Debit transactions and recurring debit card transactions. 3) In order to include ATM and everyday Debit Card transactions in “Extended Overdraft Coverage” you MUST opt-in for this coverage. Extended Overdraft Coverage will pay all transactions up to the identity recovery benefit Overdraft privilege limit (IDSafeChoice) at the time your account is opened. The fee associated with this benefit is ninety-five cents ($0.95) per family, per month. The coverage includes you and your domestic partner, your children under the age of 25 with the same permanent address and your parents living with you, or See Truth in a nursing home, hospice or assisted living. ACCOUNT TERMINATION – We reserve the right to close your account without prior notification if: A) A forgery or fraud had been reported or committed involving your account(s), B) Your checks are lost or stolen, C) You have excessive returned unpaid items which are not covered by overdraft protection and D) You have abused or misrepresented your account(sSavings disclosure for applicable limit).

Overdraft Privilege. We may pay checks or draftsFor eligible checking accounts, permit withdrawals, and make transfers to Overdraft Privilege is available for unforeseen circumstances if your account from insufficient account’s Actual (Ledger) Balance does not have sufficient funds if you have established an overdraft protection plan. In addition, the account must be maintained in good standing as defined by: 1) Making regular deposits sufficient to cover transactions, 2) Bringing the account a transaction. We strive to a positive balance at least once every thirty days or less, and 3) There are no legal orders placed pay transactions presented on your account. Your account may be subject Overdraft Privilege is designed to a fee for each overdraft regardless of whether we pay or return the overdraft. In addition, there may be additional fees (courts costs, collection fees, etc) cover short term financial needs if your account is not brought positive in 30 dayswere to become overdrawn. INACTIVE ACCOUNTS – If you have not made any transactions to Overdraft fees will be incurred for each transaction we pay into overdraft. Limits are variable and may change daily based on your account over a period status, which includes age of time as specified in the Truth-In-Savings Disclosure, we may classify your account as inactive or dormant. We will charge a fee as noted in the Rate and Fee Schedule. Funds may be transferred to the appropriate state in accordance with unclaimed property law if the account becomes abandoned/unclaimed as defined by law. STOP PAYMENT ORDERS – Any owner may request a stop payment order on a check or draft drawn on the owner’s account. To be binding, the order must be in writing, date and signed, and must accurately describe the check or draft, including the exact account number, check or draft number and the dollar amount. We must receive sufficient advance notice of the stop payment order to allow us a reasonable opportunity to act on it. Oral stop payments will lapse within 14 calendar days unless confirmed in writing within that time. Written stop payment orders are effective for six (6) months and may be renewed for an additional six months. We are not required to notify you when a stop payment order expires. Stop payment fees are noted in the Rate and Fee Schedule. IDENTITY RESTORATION – With the increase in identity theft, recent regulation enacted by the Fair and Accurate Credit Transactions Act (FACTA) require that we implement additional measures to safeguard your account and our financial institutiondeposit activity. It may also factor in any prior overdraft repayment patterns. If you do not want to take advantage of the standard overdraft privilege, please contact a BancFirst representative. If you would like the standard overdraft privilege to also cover everyday debit card transactions, you will need to opt in through a separate form (What You Need to Know About Overdrafts and Overdraft Fees.) SIGNATURES. Your signature on the Account Information document is your authorized signature. You authorize us, at any time, to charge you for all checks , drafts, orders, or other items for the payment of money, that are drawn on us regardless of by whom or by what means (including facsimile signature(s)) your signature may have been affixed so long as the signature resembles the signature specimen in our files. For withdrawal and other purposes relating to any account you have with us, we are authorized to recognize your signature; and we will automatically receive not be liable to you for refusing to honor signed instruments or instructions if we believe in good faith that one or more of the identity recovery benefit (IDSafeChoice) signatures appearing on the instrument or instructions is not genuine. FEES, SERVICE CHARGES AND BALANCE REQUIREMENTS. You agree to pay us and are responsible for any fees, charges or balance/deposit requirements as provided in the Disclosures provided to you at the time your account is openedyou opened the account. The fee associated with this benefit is ninety-five cents ($0.95) per familyFees, per monthcharges and balance requirements may change from time to time. The coverage includes you and your domestic partner, your children under the age of 25 with the same permanent address and your parents living with you, or in a nursing home, hospice or assisted living. ACCOUNT TERMINATION – We also reserve the right to close impose a service charge for cashing checks drawn on your account without prior notification if: Aif the person cashing the check is not a customer of this Bank. SET-OFFS AND SECURITY INTEREST. If you ever owe us money as a borrower, guarantor, or otherwise, and it becomes due, we have the right under the law (called "set-off") A forgery and under this Agreement (by which you grant us a security interest in your deposit account and any other accounts held by you) to use your account funds to pay the debt, where permitted by law. If your account is held jointly, that is, if there is more than one account owner, we may offset funds for the debt of any one of the joint owners. Similarly, we may also set-off funds from the individual accounts of any one of the joint owners to satisfy obligations or fraud had been reported or committed involving your account(s), B) Your checks are lost or stolen, C) You have excessive returned unpaid items which are not covered debts in the joint account. The security interest granted by overdraft protection this Agreement is consensual and D) You have abused or misrepresented your account(s)is in addition to our right of set-off.

Overdraft Privilege. We may pay checks or drafts, permit withdrawals, and make transfers Overdraft Privilege is a service we add to your checking account from insufficient funds to cover overdrafts to a set limit, subject to the eligibility criteria as explained below. While we reserve the right to unilaterally refuse to pay any item that is presented, with Overdraft Privilege we will generally pay your overdraft items up to $800. When we pay overdraft items for you, you will be charged our normal overdraft fee, currently $35.00, for each item that is presented. Both the amount of the overdraft items and all applicable fees, including but not limited to the$35.00 overdraft fees, are included in this limit. A fee of $5.00 per day "daily overdraft fee" will be imposed if you an account is overdrawn for 10 consecutive days. Typically, this "daily overdraft fee" is for the tenth (10) and each subsequent consecutive business day your account is overdrawn and continues to have established a negative balance. We will not impose the overdraft fee for any item that when paid into overdraft creates an overdraft protection plan. In addition, balance in the account must be maintained of $5.00 or less. Eligibility Criteria - No application is required for the Overdraft Privilege; eligibility is based on the following: • Eligible account has been open for at least thirty (30) days and thereafter you maintain your • account in good standing as defined by: 1) Making regular • Continuing to make deposits sufficient to cover transactionsconsistent with your past practices, 2) Bringing the account to a positive balance and depositing at least once every thirty days $400 or less, and 3) There are no legal orders placed on your account. Your account may be subject to a fee for each overdraft regardless of whether we pay or return the overdraft. In addition, there may be additional fees (courts costs, collection fees, etc) if • more in your account is not brought positive in 30 days. INACTIVE ACCOUNTS – If you have not made any transactions to your account over a within each thirty (30) day period of time as specified in the Truth-In-Savings Disclosure, we may classify your account as inactive or dormant. We will charge a fee as noted in the Rate and Fee Schedule. Funds may be transferred to the appropriate state in accordance with unclaimed property law if the account becomes abandoned/unclaimed as defined by law. STOP PAYMENT ORDERS – Any owner may request a stop payment order on a check or draft drawn on the owner’s account. To be binding, the order must be in writing, date and signed, and must accurately describe the check or draft, including the exact account number, check or draft number and the dollar amount. We must receive sufficient advance notice of the stop payment order to allow us a reasonable opportunity to act on it. Oral stop payments will lapse within 14 calendar days unless confirmed in writing within that time. Written stop payment orders are effective for six (6) months and may be renewed for an additional six months. We • You are not required in default on any loan obligation to notify you when a stop payment order expires. Stop payment fees are noted in the Rate and Fee Schedule. IDENTITY RESTORATION – With the increase in identity theft, recent regulation enacted by the Fair and Accurate Credit Transactions Act (FACTA) require that we implement additional measures to safeguard your account and our financial institution. You will automatically receive the identity recovery benefit (IDSafeChoice) at the time your account is opened. The fee associated with this benefit is ninety-five cents ($0.95) per family, per month. The coverage includes you and your domestic partner, your children under the age of 25 with the same permanent address and your parents living with you, or in a nursing home, hospice or assisted living. ACCOUNT TERMINATION – us • We reserve the right to close require you to pay your outstanding overdraft (negative) • balance, including our fees, immediately or on demand • Your account without prior notification ifis not the subject of any legal or administrative order or levy, such as • bankruptcy or a tax lien Eligible Account Types - The account types that are eligible for Overdraft Privilege are: A) A forgery or fraud had been reported or committed involving your account(s)• NOW Checking • Senior NOW Checking • Small Business Checking • Business NOW Checking • Money Market Accounts • Public Fund/Charitable Organization Accounts • Certain Trust Accounts • Minor Accounts • Savings Type Accounts We may, B) Your checks are lost or stolenin our sole option and discretion, C) You have excessive returned unpaid items which are not covered by overdraft protection and D) You have abused or misrepresented your account(s)limit the number of accounts eligible for Overdraft Privilege to one account per household and/or one account per taxpayer identification number.