Linked Accounts Overdraft Protection Disclaimer

In this agreement, the words "you" and "your" refer to persons or entities who have enrolled in Linked Accounts Overdraft Protection. The words "we," "our" and "us" means FirstBank. This agreement covers the banking services under the Linked Accounts Overdraft Protection service. By enrolling for or using these services in any way, you (and any co-applicant or authorized user) agree to be bound by the terms of this agreement as well as the current FirstBank Deposit Account Agreement, the Electronic Banking Agreement and all applicable rules, regulations and laws which govern your deposit account relationship with us. If there is a conflict between any of these agreements and something said by one of our employees, the terms of the agreement will control.

Transfers

The Linked Accounts Overdraft Protection service allows you to link eligible accounts to cover transactions for which there are insufficient funds. Funds may be automatically transferred from one account to another whenever you do not have adequate funds to pay checks or other debit items which are presented. Funds will be automatically transferred in increments equal to the debit items presented. In the event that the available account balance is not enough to pay all items presented, we will only transfer enough funds to cover items that can be paid by the available balance.

Fees and Charges

An annual fee of $20.00 will be charged for the service upon enrollment and then every year thereafter while you are enrolled in the service unless the account is a Premier Checking account, in which case the annual fee will be waived. A $10.00 transfer fee will be charged on any day when an automatic transfer is made. Certain restrictions apply to the number of automatic transfers; please refer to the 'Restrictions' section. If these fees cause your account to fall below a minimum balance requirement, other fees may be assessed. Please refer to the FirstBank Consumer Fee Schedule for additional information.

Change of Terms

We have the right to change the terms of this agreement at any time by providing you with notice of the specific change.

Restrictions

Transfers are limited by Federal Law. Regulation D limits certain types of withdrawal and transfer transactions out of savings or money market accounts to six (6) (total) of the following transactions per calendar month: Preauthorized transfers to a third party; Automatic transfers to another FirstBank account; Telephone transfers to another FirstBank account, Internet transfers to another FirstBank account; ACH transfers; or Wires initiated via telephone or electronic device; however, customers may perform unlimited ATM transfers or withdrawals.