DEBIT/ATM CARD OPT-IN

Due to recent regulatory changes affecting Debit/ATM card transactions, you may want to opt-in to receive Overdraft Privilege* for those transactions. This program benefits you by allowing the Bank to cover your unexpected expenses when you do not have enough funds in your account. Even if you don't regularly overdraw your account, you will need to opt-in to the program to have the peace of mind in case of an everyday emergency.

Choose from the options below to get started:

• Print, complete and return the entire Debit/ATM Card Opt-in form to us
• Visit the First Bank location nearest you

If you have any questions regarding Overdraft Privilege, Opting In or Opting Out, or would like to revoke your Opt In, please contact us at 1-800-760-2265.

*First Bank's Overdraft Privilege represents a discretionary courtesy or privilege that may be provided to you from time to time and which may be withdrawn or withheld at any time without prior notice, reason or cause. You will be expected to bring your account to a positive balance as soon as possible or within 60 days after an item is paid through Overdraft Privilege. Contact us to ask about other overdraft coverage options that may be available to you.