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2. We also offer overdraft protection plans such as a link to a savings account a checking account or a line of credit which may be less expensive than our standard overdraft practices. To learn more ask us about these plans. This notice explains our standard overdraft practices. What are the standard overdraft practices that come with my account We do authorize and pay overdrafts for the following types of transactions Checks and other transactions made using your checking account number Automatic bill payments Effective April 1 2013 we will authorize and pay overdrafts for the following types of transactions if you opt-in for this service see below. ATM/Point of Sale POS transactions Everyday debit card transactions We pay overdrafts at our discretion which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft your transaction will be declined. What fees will I be charged if USAlliance pays my overdraft Under our standard overdraft practices We will charge you a fee of 35. Opt-In Form What You Need to Know about Overdrafts and Overdraft Fees Opt In An overdraft occurs when you do not have enough money in your account to cover a transaction but we pay it anyway. We can cover your overdrafts in two different ways. 1. We have standard overdraft practices that come with your account. 2. We also offer overdraft protection plans such as a link to a savings account a checking account or a line of credit which may be less expensive than our standard overdraft practices. To learn more ask us about these plans. This notice explains our standard overdraft practices. What are the standard overdraft practices that come with my account We do authorize and pay overdrafts for the following types of transactions Checks and other transactions made using your checking account number Automatic bill payments Effective April 1 2013 we will authorize and pay overdrafts for the following types of transactions if you opt-in for this service see below. ATM/Point of Sale POS transactions Everyday debit card transactions We pay overdrafts at our discretion which means we do not guarantee that we will always authorize and pay any type of transaction* If we do not authorize and pay an overdraft your transaction will be declined* What fees will I be charged if USAlliance pays my overdraft Under our standard overdraft practices We will charge you a fee of 35. 00 each time we pay an overdraft. There is no limit on the total fees per day we If you want USAlliance to authorize and pay overdrafts on your ATM/POS and everyday debit card transactions please complete and return the form below. Account Number Name oo I confirm that I have read and understand the disclosure above regarding my right to opt-in for the USAlliance overdraft practice regarding payment of my ATM/POS and everyday debit card transactions. I understand that I have an ongoing right to revoke this consent at any time. Signature Date Please return your completed form to USAlliance Federal Credit Union 600 Midland Avenue Rye NY 10580 ATTN EFT Services Or fax to 914.

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