Have you ever had a situation where you are making a purchase with your debit card and suddenly realize that you don’t have sufficient funds to cover the transaction? You worry and wonder whether that purchase will go through.

At FirstBank we can help ease your mind.

PROTECT YOURSELF TODAY!

FirstBank offers an overdraft protection service¹ that would bring you peace of mind when making ATM withdrawals or purchases with your debit card.

How can I take advantage of the overdraft protection?

If you would like to apply for this option you must provide your consent. For accounts opened prior to July 1, 2010, FirstBank after August 15th, 2010, will not be able to authorize ATM transactions or debit card payments when you do not have sufficient funds in your account, unless you authorize. If we do not receive your authorization, these will be rejected.

What fees will I be charged if FirstBank pays my overdraft?

Under our standard overdraft practices:

• We will charge you a fee of up to $15.00 each time we pay an overdraft
• Also, if your account is overdrawn we will assess an overdraft annual interest rate of 17.5% calculated on the daily overdraft balance

If you are an existing customer of the products: First Checking, SuperNow, First Investment and Bonus accounts, the following charges apply under our standard overdraft practices:

• We will charge you a fee of up to $15.00 each time we pay an overdraft
• Also, if your account is overdrawn we will assess an overdraft annual interest rate of 19% calculated on the daily overdraft balance
• A daily charge of $3.00 for the days in which your account remains overdrawn

These fees will also apply to overdrafts paid for checks, ACH and in branch transactions.

How do I authorize FirstBank to cover my overdrafts on Automatic Teller Machines (ATM) and daily transactions using the debit card?

If you opened your account before July 1, 2010 and received the notice about overdraft services, you have additional option to provide your consent completing the online authorization here using the Security ID. If you want to revoke your consent, you may also use this option.

For accounts opened starting on July 1, 2010, you may complete the form provided during account opening and use one of the options included to provide authorization.

If you have more than one deposit account, you must complete one form for each account.

If you need assistance contact FirstLine Solution Center at 1-866-695-2511.

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1. FirstBank will not have any obligation to cover the payment of overdrafts. This means that the Bank does not guarantee that on a single or all occasions we will authorize and pay overdrafts. If we do not authorize or pay your transaction, it will be declined. If FirstBank decides to cover and pay any overdraft, the amount of overdraft has to be paid immediately. If you have provided authorization for the payment of overdrafts, the related costs would also be payable immediately.