Rather than automatically returning unpaid all insufficient funds items that you may have, Oxford Bank will consider, without obligation on our part, payment of your reasonable overdrafts up to an assigned Overdraft Privilege (ODP) limit, including fees, of $700.00. Only personal checking accounts that have been open for at least thirty (30) days and that have been maintained in good standing* are eligible for ODP Overdraft Privilege.

You do not have to apply for this service and you do not need to sign any additional documents. It is already a part of your checking deposit account agreement with us. However, you may choose at any time not to participate in ODP by calling us at 630-576-2150. If you do elect to "opt-out" from participating in the program, we will explain what this means and the potential consequences.

(We also offer additional overdraft protection services that you may apply for. These include Personal Reserve Account ("PRA") Overdraft Protection and transfers from another Oxford account. If you apply and are approved for these optional services, you may save money on the total fees that you pay us for overdraft protection services.)

Fees for the payment of each overdraft
Our normal fees and charges, as set forth in our fee schedule, including, without limitation, our overdraft fee (currently $30.00 per overdraft item), will be charged for each transaction initiated for payment from your checking account that does not have sufficient funds. Typically, we will charge our normal overdraft fee whether we approve an overdraft item for payment or return it unpaid. In addition, we will charge your account a $5.00 per day "daily overdraft" fee. Typically we will charge this "daily overdraft fee" for the first and each subsequent consecutive business day that your account is overdrawn and continues to have an overdraft/negative balance.

Overdraft fees and daily overdraft fees will be included in, and count against, your assigned ODP Limit of $700.00.

Types of transactions on which an overdraft fee may be imposed
A non-sufficient funds (overdraft/negative) balance many result from:

• Payment of a check, in-person withdrawal, ATM withdrawal, or other electronic means that you initiate
• Payments authorized by you (including Internet bill payment transactions)
• The return, unpaid, of items deposited by you
• Charging your account for our applicable service charges and fees
• The deposit of items to your account, which, according to our Funds Availability Policy, are treated as not yet available for withdrawal

When processing checks and other debits drawn on your account, our policy is to pay checks and debits according to dollar amount. We pay the largest checks and debits first. Our payment policy can help insure that your more important checks and debits are paid first, but this may increase the overdraft fees that you will have to pay if funds are not available to pay your smaller checks and debits.

When an overdraft must be repaid
We reserve the right to require you to pay your outstanding overdraft/negative balance, including our fees, immediately, or on demand.

The circumstances under which an overdraft may not be paid
Whether your overdraft will be paid is at our sole discretion 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 if you have too many overdrafts. We may refuse to pay an overdraft for you at any time, even though your account is in good standing or we may have previously paid overdrafts for you.

If you have questions concerning ODP Privilege or other overdraft services, please contact us at 630-629-5000.

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*To maintain your account in good standing you must:

• Continue to make deposits consistent with your past practices and deposit at least $700.00 or more in your account within each thirty (30) day period
• Be not in default on any loan obligation to us
• Bring your account to a positive balance (not overdrawn) at least once every thirty (30) days and
• Your account must not be the subject of any legal or administrative order or levy, such as bankruptcy or a tax lien