Common use of Overdraft Protection Plans Clause in Contracts

Overdraft Protection Plans. Upon our receipt of the applicable Bank form, your checking account can be linked to one of the following: a checking account, savings account, money market account, Personal Reserve Account (PRA), Business Reserve Line (BRL), or a line of credit with us, (each a “linked account”) for the purpose of covering overdrafts that may occur on your checking account. If on any day your checking account does not have sufficient funds to cover items that are presented for payment, funds will be automatically transferred from the linked account to cover the overdraft. Funds will be transferred even if there are insufficient funds in the linked account to cover the amount of the overdraft in your checking account. A fee will be assessed for each automatic transfer to cover an overdraft in your checking account. Such fees shall be assessed to the covered checking account. Funds will be transferred from the linked account to the checking account and fees assessed regardless of the nature of the debit that created the overdraft in the checking account. Such debits may include checks, wire transfers, ACH withdrawals, debit card charges, and ATM withdrawals. Overdraft protection shall not limit right of setoff or recoupment. CUSTOMER’S DEATH OR INCOMPETENCE - You agree to notify us promptly if any person with a right to withdraw funds from your account(s) dies or becomes legally incompetent. We may continue to honor your checks, items, and instructions until: (a) we know of your death or incompetence, and

Overdraft Protection Plans. Upon our receipt of the applicable Bank formIf we approve your request for overdraft protection, we will provide an overdraft protection plan for you. Transfers from a savings or other account. We will honor checks and other items drawn on insufficient funds in your checking account can be linked to one by transferring the necessary funds in increments of the following: a checking $100 from your savings account or other account(s) as you designate. If you have enough funds in your savings or other account, savings account, money market account, Personal Reserve Account (PRA), Business Reserve Line (BRL), or a line of credit with us, (each a “linked account”) for the purpose of covering overdrafts that may occur on your checking account. If on any day your checking account does not have sufficient you authorize us to transfer funds to cover items that are presented for payment, funds will be automatically transferred from the linked account in amounts necessary to cover the overdraft. Funds If your savings or other account balance is insufficient to cover the overdraft amount, we will be transferred even if there are not make any transfer that overdraws your savings or other account. Unless another overdraft protection option applies, we will return the check or item unpaid. You may opt out of this overdraft transfer service at any time by notifying us verbally or in writing. Transfers from a line of credit. We will honor checks and other items drawn on insufficient funds in your checking account by transferring the linked account necessary funds in increments of $100 from your Personal or Home Equity Line of Credit account, if applicable, unless you designate otherwise. If you are within the credit limit of your line of credit account, you authorize us to transfer funds in amounts necessary to cover the amount of overdraft. If your credit limit is insufficient to cover the overdraft in your checking accountamount, we will not transfer any amount. A Unless another overdraft protection option applies, we will return the check or item unpaid. There is no cash advance fee on said lines of credit, but interest will be assessed for each automatic transfer begin to cover an overdraft in your checking account. Such fees shall be assessed to the covered checking account. Funds will be transferred accrue from the linked account to the checking account and fees assessed regardless date of the nature advance or transfer. You may opt out of the debit that created the this overdraft transfer service at any time by notifying us verbally or in the checking account. Such debits may include checks, wire transfers, ACH withdrawals, debit card charges, and ATM withdrawals. Overdraft protection shall not limit right of setoff or recoupment. CUSTOMER’S DEATH OR INCOMPETENCE - You agree to notify us promptly if any person with a right to withdraw funds from your account(s) dies or becomes legally incompetent. We may continue to honor your checks, items, and instructions until: (a) we know of your death or incompetence, andwriting.

Overdraft Protection Plans. Upon our receipt of the applicable Bank form, your checking account can be linked to one of the following: a checking account, savings account, money market account, Personal Reserve Account (PRA), Business Reserve Line (BRL), or a line of credit with us, (each a “linked account”) for the purpose of covering overdrafts that may occur on your checking account. If on any day your checking account does not have sufficient funds to cover items that are presented for payment, funds will be automatically transferred from the linked account to cover the overdraft. Funds will be transferred even if there are insufficient funds in the linked account to cover the amount of the overdraft in your checking account. A fee will be assessed for each automatic transfer to cover an overdraft in your checking account. Such fees shall be assessed to the covered checking account. Funds will be transferred from the linked account to the checking account and fees assessed regardless of the nature of the debit that created the overdraft in the checking account. Such debits may include checks, wire transfers, ACH withdrawals, debit card charges, and ATM withdrawals. Overdraft protection shall not limit right of setoff or recoupment. CUSTOMER’S DEATH OR INCOMPETENCE - You agree to notify us promptly if any person with a right to withdraw funds from your account(s) dies or becomes legally incompetent. We may continue to honor your checks, items, and instructions until: (a) we know of your death or incompetence, and

Overdraft Protection Plans. Upon our receipt of the applicable Bank form, your checking account can be linked to one of the following: a checking account, savings account, money market account, Personal Reserve Account (PRA), Business Reserve Line (BRL), or a line of credit with us, (each a “linked account”) for the purpose of covering overdrafts that may occur on your checking account. If on any day your checking account does not have sufficient funds to cover items that are presented for payment, funds will be automatically transferred from the linked account to cover the overdraft. Funds will be transferred even if there are insufficient funds in the linked account to cover the amount of the overdraft in your checking account. A fee will be assessed for each automatic transfer to cover an overdraft in your checking accountaccount unless the amount of the transfer does not cause benefit to you by your avoidance of one or more overdraft or insufficient funds fee. Such fees shall be assessed to the covered checking account. Funds will be transferred from the linked account to the checking account and fees assessed regardless of the nature of the debit that created the overdraft in the checking account. Such debits may include checks, wire transfers, ACH withdrawals, debit card charges, and ATM withdrawals. Overdraft protection shall not limit right of setoff or recoupment. CUSTOMER’S DEATH OR INCOMPETENCE - You agree to notify us promptly if any person with a right to withdraw funds from your account(s) dies or becomes legally is adjudicated (determined by the appropriate official) incompetent. We may continue to honor your checks, items, and instructions until: (a) we know of your death or adjudication of incompetence, andand (b) we have had a reasonable opportunity to act on that knowledge. You agree that we may pay checks drawn on or before the date of death or adjudication of incompetence for up to ten (10) days after we become aware of your death or adjudication of incompetence unless ordered to stop payment by someone claiming an interest in the account. SECURITY - It is your responsibility to protect the account numbers and electronic access devices (e.g., an ATM card) we provide you for your account(s). Do not discuss, compare, or share information about your account number(s) with anyone unless you are willing to give them full use of your money. An account number can be used by thieves to issue an electronic debit or to encode your number on a false demand draft which looks like and functions like an authorized check. If you furnish your access device and grant actual authority to make transfers to another person (a family member or coworker, for example) who then exceeds that authority, you are liable for the transfers unless we have been notified that transfers by that person are no longer authorized. Your account number can also be used to electronically remove money from your account, and payment can be made from your account even though you did not contact us directly and order the payment. You must also take precaution in safeguarding your blank checks. Notify us at once if you believe your checks have been lost or stolen. As between you and us, if you are negligent in safeguarding your checks, you must bear the loss entirely yourself or share the loss with us (we may have to share some of the loss if we failed to use ordinary care and if we substantially contributed to the loss). Except for consumer electronic funds transfers subject to Regulation E, you agree that if we offer you services appropriate for your account to help identify and limit fraud or other unauthorized transactions against your account, such as positive pay or commercially reasonable security procedures, and you reject those services, you will be responsible for any fraudulent or unauthorized transactions which could have been prevented by the services we offered, unless we acted in bad faith or to the extent our negligence contributed to the loss. If we offered you a commercially reasonable security procedure which you reject, you agree that you are responsible for any payment order, whether authorized or not, that we accept in compliance with an alternative security procedure that you have selected. Should you experience fraudulent activity on your account we may require you to close that account and reopen a new account. You also agree to file a police report concerning any fraudulent activity. CLAIM OF LOSS - If you claim a credit or refund because of a forgery, alteration, or any other unauthorized withdrawal, you agree to cooperate with us in the investigation of the loss, including giving us an affidavit containing whatever reasonable information we require concerning your account, the transaction, and the circumstances surrounding the loss. You will notify law enforcement authorities of any criminal act related to the claim of lost, missing, or stolen checks or unauthorized withdrawals. We will have a reasonable period of time to investigate the facts and circumstances surrounding any claim of loss. Unless we have acted in bad faith, we will not be liable for special or consequential damages, including loss of profits or opportunity, or for attorneys’ fees incurred by you. You agree that you will not waive any rights you have to recover your loss against anyone who is obligated to repay, insure, or otherwise reimburse you for your loss. You will pursue your rights or, at our option, assign them to us so that we may pursue them. Our liability will be reduced by the amount you recover or are entitled to recover from these other sources. ENDORSEMENTS - We may accept for deposit any item payable to you or your order, even if they are not endorsed by you. We may give cash back to any one of you. We may supply any missing endorsement(s) for any item we accept for deposit or collection, and you warrant that all endorsements are genuine. To ensure that your check is processed without delay, you must endorse it (sign it on the back) in a specific area. Your entire endorsement (whether a signature or a stamp) along with any other endorsement information (e.g. additional endorsements, ID information, driver’s license number, etc.) must fall within 11/2” of the “trailing edge” of a check. Endorsements must be made in blue or black ink, so that they are readable by automated check processing equipment. As you look at the front of a check, the “trailing edge” is the left edge. When you flip the check over, be sure to keep all endorsement information within 11/2” of that edge. Name Address, City, State 7654 Pay to the order of $ dollars Bank Name and Location Memo A123456789A 7654 If necessary, you may change or remove any of the telephone numbers or email addresses at any time using any reasonable means to notify us. TELEPHONIC INSTRUCTIONS - Unless we have agreed otherwise in writing, we are not required to act upon instructions you give us via facsimile transmission or leave by voice mail or on a telephone answering machine. DIRECT DEPOSITS - If we are required for any reason to reimburse the federal government for all or any portion of a benefit payment that was directly deposited into your account, you authorize us to deduct the amount of our liability to the federal government from the account or from any other account you have with us, without prior notice and at any time, except as prohibited by law. We may also use any other legal remedy to recover the amount of our liability. EARLY WITHDRAWAL PENALTIES (and involuntary withdrawals) - We may impose early withdrawal penalties on a withdrawal from a time account even if you don’t initiate the withdrawal. For instance, the early withdrawal penalty may be imposed if the withdrawal is caused by our setoff against funds in the account or as a result of an attachment or other legal process. We may close your account and impose the early withdrawal penalty on the entire account balance in the event of a partial early withdrawal. See your notice of penalty for early withdrawals for additional information. ADDRESS OR NAME CHANGES - You are responsible for notifying us of any change in your address or your name. Unless we agree otherwise, change of address or name must be made in writing by at least one of the account holders. Informing us of your address or name change on a check reorder form is not sufficient. We will attempt to communicate with you only by use of the most recent address you have provided to us. If provided elsewhere, we may impose a service fee if we attempt to locate you. DEPOSITS - We will give only provisional credit until collection is final for any items, other than cash, we accept for deposit (including items drawn “on us”). Before settlement of any item becomes final, we act only as your agent, regardless of the form of endorsement or lack of endorsement on the item and even though we provide you provisional credit for the item. We may reverse any provisional credit for items that are lost, stolen, or returned. Unless prohibited by law, we also reserve the right to charge back to your account the amount of any item deposited to your account or cashed for you which was initially paid by the payor bank and which is later returned to us due to an allegedly forged, unauthorized or missing endorsement, claim of alteration, TRAILING EDGE YOUR ENDORSEMENT MUST BE WITHIN THIS AREA 1 1/2" FRONT OF CHECK Keep your endorsement out of this area. BACK OF CHECK encoding error or other problem which in our judgment justifies reversal of credit. You authorize us to attempt to collect previously returned items without giving you notice, and in attempting to collect we may permit the payor bank to hold an item beyond the midnight deadline. Actual credit for deposits of, or payable in, foreign currency will be at the exchange rate in effect on final collection in U.S. dollars. We are not responsible for transactions by mail or outside depository until we actually record them. If you deliver a deposit to us and you will not be present when the deposit is counted, you must provide us an itemized list of the deposit (deposit slip). To process the deposit, we will verify and record the deposit, and credit the deposit to the account. If there are any discrepancies between the amounts shown on the itemized list of the deposit and the amount we determine to be the actual deposit, we will notify you of the discrepancies of $5 and above. You will be entitled to credit only for the actual deposit as determined by us, regardless of what is stated on the It is important that you confine the endorsement information to this area since the remaining blank space will be used by others in the processing of the check to place additional needed endorsements and information. You agree that you will indemnify, defend, and hold us harmless for any loss, liability, damage or expense that occurs because your endorsement, another endorsement or information you have printed on the back of the check obscures our endorsement. These endorsement guidelines apply to both personal and business checks.