Overdraft Privilege Policy

There are several ways your account can become overdrawn, such as (1) the payment of checks, electronic funds transfers or
other withdrawal requests; (2) payments authorized by you (i.e. signature-based point of sale transactions); (3) the return of
unpaid items deposited by you; (4) bank service charges; or (5) the deposit of items which, according to the bank's Funds
Availability Policy, are treated as not yet available or finally paid.

While we are not obligated to pay any item presented for payment if your account does not contain enough money, as long as
you maintain your account in “good standing,” we may approve your overdraft items within your current available Overdraft
Privilege limit. The day following account opening, the available limit of $100 as a non-contractual courtesy applies; if the
minimum amount to open was met. The available limit will increase to a $300 non-contractual courtesy, once the account has
been open for 60 calendar days. For overdraft privilege consideration, your account is in “good standing” if you (1) deposit
enough money to bring your account to a positive end-of-day balance at least once every 30 calendar days (including payment
of all bank fees and charges); (2) avoid excessive overdrafts suggesting the use of Overdraft Privilege as a continuing line of
credit; and (3) have no legal orders, levies or liens against your account.

In the normal course of business, we generally pay electronic transactions first and then checks by serial number, per the bank's
policy. We reserve the right to change the order of payment without notice to you if we suspect fraud or possible illegal activity
affecting your account. Also, please be aware that the order we pay your items in may create multiple overdraft items in a single
banking day and you will be charged our OD Privilege Paid Item(s) Fee of $28 for each overdraft item paid.
You may opt out of the privilege at any time, but you are responsible for any overdrawn balances at the time of opting out.
Normally, we will not approve an overdraft for you in excess of the predetermined amount assigned to your account. So as not
to exceed your limit, please note that the amount of the overdraft plus the bank's OD Privilege Paid item(s) Fee of $28 per item
will be deducted from the overdraft limit.

We may refuse to pay an overdraft item at any time even though we may have previously paid overdrafts for you. For example.
We typically do not pay overdraft items if your account is not in good standing as defined above, or, if based upon our review of
your account management we determine that you are using Overdraft Privilege excessively or seem to be using Overdraft
Privilege as a regular line of credit. You will be charged a NSF Returned Item(s) fee of $28 for each item returned.

We will notify you promptly of any non-sufficient funds items paid or returned that you may have; however, we have no
obligation to notify you before we pay or return any item. The amount of any overdraft including our OD Privilege Paid Item(s)
Fee of $28 and/or a NSF Returned Item(s) fee of $28 that you owe us is due and payable upon demand. Even if we do not ask
you for, payment, you must repay us no later than 30 calendar days after the creation of the overdraft. If there is an overdraft
on an account with more than one owner on the signature card, each owner and agent, if applicable, is jointly and severally
liable for all overdrafts including all fees charged.

Overdraft Privilege should not be viewed as an encouragement to overdraw your account. To avoid fees, we encourage you to
keep track of your account balance by entering all items in your check register, reconcile your check book regularly, and manage
your finances responsibly1. If you would like to have this service removed from your account, please call 800-345-8081.
 
Please note that your Overdraft Privilege limit may be available for each item paid under the limit created by checks and other
transactions made using your checking account number, such as a teller withdrawal, an automatic payment (ACH) transaction,
or, automatic bill payment and recurring debit card payment; and for business accounts2 only, ATM and everyday debit card
transactions. For all other personal accounts, at your request, we may authorize and pay ATM transfers or withdrawals and
everyday debit card purchases using your limit. Your available balance may be affected by authorizations which could create
additional overdrafts and associated fees. When you ask for your account balance, please remember the amount we show you
does not include your overdraft limit.

Limitations: Overdraft Privilege is a non-contractual courtesy that is available to individually/jointly owned accounts in good
standing for personal or business use. Anderson Brothers Bank reserves the right to limit participation to one account per
household or business and to suspend, revoke, or discontinue this service without prior notice. If your limit is suspended, unless
we notify you otherwise or you request this service be removed from your account, your limit will be made available to cover
overdrafts again the first business day after you bring your account to a positive end-of-day balance.
 

1 Financial Education: Checking Navigator on our website www.abbank.com is available to all its customers as a tool to help you
understand and manage your checking account.
2 Business Accounts: ATM transfers or withdrawals and everyday debit card purchases are automatically authorized for business
accounts. Overdraft accrual charge of $3.00 per day will apply to small business and commercial account starting on the second day.