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Courtesy Pay Overdraft Protection Available June 1, 2008 Courtesy Pay- This is an overdraft payment service for your share draft (checking) account. The added value to you includes no third party fees, late fees or the embarrassment of returned checks. Description of Service- Under Courtesy Pay, we, at our sole discretion may honor and pay checks, automatic debits (ACH), debit card purchases and bill payment items drawn against a share draft account that does not have sufficient funds available at the time of the presentment. Courtesy Pay will be applied only after the account’s other sources of overdraft protection (savings or credit lines) have been depleted. Eligibility- Courtesy Pay may be available when a member’s share draft account has been opened for ninety- (90) days and all of the member’s accounts are in good standing; no member on the account has caused us a loss; and the account is not under administrative/legal order or a levy. The maximum limit of Courtesy Pay is $300.00 per share draft account (including the amount of the overdrawn item(s) and the courtesy pay fee(s), unless otherwise specified. Responsibility- If we pay an overdraft on an account with more than one (1) owner on the signature card, all owners drawing/presenting the item (thereby creating the Overdraft item) are jointly and severally liable for such overdrafts plus applicable fees. Collection action will be taken on accounts whose negative balance exceeds thirty- (30) consecutive calendar days. Fees- Whether the Non Sufficient Funds (NSF) item is returned or paid, a per-item fee will be charged to your account as, respectively, either a NSF fee or a Courtesy Pay fee, both the NSF and Courtesy Pay fee is $25.00, per item. Notification- You will be notified by mail of any NSF item returned or paid through the Courtesy Pay system. However, we have no obligation to notify the member before it pays an NSF item. Limitations- Courtesy Pay is non-contractual and discretionary. We may refuse to provide this service on any share draft account at any time. You have no contractual right to the overdraft courtesy, nor is it guaranteed. Opting Out- You may “opt out” of Courtesy Pay by notifying us in writing or request an opt-out form from any of our locations.