It Feels Good To Be Covered

Understanding Overdrafts

First National Bank offers several options to choose from to protect your Checking Account in the event a transaction results in an overdrawn balance. We also provide many tools, including online banking, mobile banking and account alerts, to help you manage your account.

The chart below summarizes the overdraft payment and protection programs that First National Bank offers to help you manage your account and avoid overdrafts.

Overdraft Courtesy	Opt-In Debit Card Coverage	Overdraft Transfer	Overdraft Line
Standard OD Coverage _{(comes standard with eligible accounts)} We strive to pay overdrafts for the following types of transactions at our discretion: • Checks and other transactions made using your checking account number, such as checks that have been converted to an electronic transaction by the payee • Automatic bill payments, including ACH withdrawals and recurring debit card transactions	Opt-In Debit Card Coverage Without your consent, ATM and everyday debit card transactions will not be authorized into overdraft.* With consent, we may authorize and pay overdrafts for the following types of transactions at our discretion: • ATM Transactions • Everyday debit card transactions * You may Opt-Out at any time.	Linked Account OD Transfer Automatic transfers from available funds in your linked account to your checking account to cover each overdraft item. Certain accounts may have withdrawal limitations and these transfers are included in those limits. If the money in your linked account does not cover all of your overdraft items, Overdraft Courtesy may provide backup.+	OD Line of Credit A line of credit attached to your checking account can help protect you against overdrafts. The credit line automatically advances funds to your checking account to cover checks or other items you have authorized, up to the amount of the credit line approved. If the money in your Line of Credit does not cover all of your overdraft items, Overdraft Courtesy may provide backup.+ Credit approval required.
BENEFITS	BENEFITS	BENEFITS	BENEFITS
Overdraft Courtesy is a privilege that FNB may provide at its own discretion. You do not have to sign up and there is no fee unless you use the service.**	Choosing Overdraft Courtesy Plus is a smart decision. Overdraft Courtesy Plus provides a safety net to prevent your ATM and everyday debit card transactions from being declined when there are insufficient funds in your account to cover the transaction. And there is no fee unless you use the service.**	Overdraft Transfer and Overdraft Line can cover your transaction before your account becomes overdrawn using money from your own linked account or from a line of credit. These options cost less than Overdraft Fees charged when we cover an overdraft on your behalf.**	Overdraft Transfer and Overdraft Line can cover your transaction before your account becomes overdrawn using money from your own linked account or from a line of credit. These options cost less than Overdraft Fees charged when we cover an overdraft on your behalf.**
OVERDRAFT COURTESY FEE $30 Overdraft Item Fee/NSF Return Fee per item, per presentment	OVERDRAFT COURTESY PLUS FEE $30 Overdraft Item Fee per item, per presentment *No Fee - Overdraft transactions will be declined	OVERDRAFT TRANSFER FEE $10 Fee Per Transfer (once daily) +Any item that can not be covered by the available linked account balance will be subject to Standard Overdraft Item Fees/NSF Return Fees	OVERDRAFT LINE FEE $3 Monthly Fee or $30 Annual Fee Interest on outstanding balances +Any item that can not be covered by the available Line of Credit balance will be subject to Standard Item Overdraft Fees/NSF Return Fees

**Overdrafts are paid at our discretion which means we do not guarantee that we will always authorize and pay any type of transaction.

Overdraft Item Fee applies to overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means; provided however, that for consumer accounts we will only charge an Overdraft Item Fee for overdrafts caused by ATM withdrawals or one-time debit card transactions if Opted-in to that service.

NSF Return Fee applies to returned items created by check, in-person withdrawal, ATM withdrawal or other electronic means. Please be aware that a NSF Return Fee may be charged each time an item is presented and returned, regardless of the number of times the item is presented and returned, or if the item is later covered by the Bank, in its discretion, as an overdraft. This means that multiple NSF Return Fees, as well as an Overdraft Item Fee, could be incurred for the same item if it is presented and returned multiple times for payment.

For consumer accounts, we limit the number of Overdraft Item and NSF Return Fees you will be charged to the maximum of Six (6) total Overdraft Item and NSF Return Fees per day ($180.00 total per day). See the Overdraft Courtesy Services Customer Policy for more information.

To apply for Overdraft Line or to link an account through Overdraft Transfer, please contact your local branch.

To Opt-In or Opt-Out of COURTESY OVERDRAFT PLUS