Special Information about No Bounce Advantage^TM

Fees for payment of any overdraft are $30.00 per overdraft.

Overdraft fees may be charged when an overdraft is created by check, in-person withdrawal, ATM withdrawal, the return of items deposited by you unpaid, the imposition of service charges, the deposit of items where funds are not immediately available, or other electronic means.

Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing or you have too many overdrafts.

You must bring your account to a positive balance at least every 30 days. You should refer to the “No Bounce Advantage^TM ” disclosure for the full terms and conditions of this overdraft privilege product.