HAVE YOU EVER made an honest mistake in your checkbook,found yourself a "little short" or had unusual or unforeseen expenses at just the wrong time? RELAX...YOU DESERVE CONSIDERATION!

Rather than automatically returning, unpaid, any non-sufficient fund items that you may have, we will consider, without obligation on our part, payment of your reasonable overdrafts.

Overdraft Privilege Can Mean...
You can avoid high charges from merchants for returned checks, you have new convenience and flexibility in managing
your funds and payment of OVERDRAFTS UP TO $700 ($400 on Free checking accounts) will normally be
considered.

We will charge our normal non-sufficient funds or overdraft charges, as set forth in our fee schedule for each item that would create an overdraft on your account. Our normal overdraft and (NSF) fee is $25.00 per item. Of course, we can't promise to pay every overdraft, not all accounts are eligible, and some restrictions do apply.

PAYMENT ORDER OF ITEMS - The law permits us to pay items (such as checks or drafts) drawn on your account in any order. To assist you in handling your account with us, we are providing you with the following information regarding how we process the items that you write. When processing items drawn on your account, our policy is to pay them according to the dollar amount. We pay the smallest items first. The order in which items are paid is important if there is not enough money in your account to pay all of the items that are presented. Our payment policy minimizes the number of items that may result in an overdraft or NSF fee. If an item is presented without sufficient funds in your account to pay it, we may, at our discretion, pay the item (creating an overdraft) or return the item (NSF). The amounts of the overdraft and NSF fees are disclosed elsewhere. We encourage you to make careful records and practice good account management. This will help you to avoid writing checks or making other withdrawals without sufficient funds and incurring the resulting fees.

Overdraft Privilege Service Description
(A Discretionary Overdraft Service)

It is the policy of our Bank to comply with applicable laws and regulations, and to conduct business in accordance with applicable safety and soundness standards. A non-sufficient funds (negative) balance may result from: A) The payment of checks, electronic funds transfers, or other withdrawal requests; B) Payments authorized by you; C) The return, unpaid, of items deposited by you; D) Bank fees/Charges; E) The deposit of items which according to the bank's Funds Availability Policy, are treated as not yet "available" or finally paid.

We are not obligated to pay any item presented for payment if your account does not contain sufficient collected funds. Rather than automatically returning, unpaid, any non-sufficient funds items that you may have, if your eligible account (primarily used for personal and household purposes) has been open for at least sixty (60) days and thereafter you maintain your account in good standing, which includes at least: (A) Continuing to make deposits consistent with your past practices, and depositing at least $300 or more in your account within thirty (30) day period, (B) You are not in default on any loan obligation to Patriots Bank, (C) You bring your account to a positive balance (not overdrawn) at least once every thirty (30) days and (D) Your account is not the subject of any legal or administrative order or levy, we will consider, without obligation on our part, approving your reasonable overdrafts; as a purely discretionary overdraft "privilege" or "courtesy". This discretionary *service will generally be limited to a $400 overdraft (negative) balance for Free Checking accounts or a $700 overdraft (negative) balance for other eligible Personal Checking accounts. Of course, any and all bank fees and charges, Including without limitation our non-sufficient funds/overdraft fees (as set forth in our fee schedules) will be included in this limit and will apply to any transaction that may overdraw your account. We may refuse to pay an overdraft for you at anytime, even if your account is in good standing and even though we may have previously paid overdrafts for you. You will be notified by mail 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 overdrafts plus our Non-Sufficient Funds and/or Overdraft (NSF/OD) Charge(s) that you owe us shall be due and payable upon demand. If there is an overdraft paid by us on an account with more than one (1) owner on the signature card, each owner, and agent if applicable, drawing/presenting the item creating the overdraft, shall be jointly and severally liable for such overdrafts plus our Non-Sufficient Funds and or Overdraft (NSF/OD) Charge(s).

LIMITATIONS: Savings Type Accounts, Money Market Accounts, Public Fund / Charitable Organization Accounts, Student Minor Accounts, and Other Minor Accounts (not of legal age) are not eligible. We may limit the number of accounts eligible for Overdraft Privilege Service to one account per household and/or one account per tax payer ID.

ELIGIBLE ACCOUNT TYPES: The account types that are eligible for the Overdraft Privilege Service are Personal Checking Accounts, primarily used for personal and household purposes.

ELIGIBLE TRANSACTION TYPES: Each transaction/item initiated for payment against your checking account(s) may be processed by us using your assigned Overdraft Privilege Service limit, including without limitation: Checks, ACH, Electronic Items, our ATM 's, foreign ATM's / Debit Card / Check Card, Internet/ Online Banking (bill payment), and Telephone Banking transactions.

CUSTOMER OPT-OUT: You may choose at any time not to participate in our Overdraft Privilege Service by notifying one of our customer service representatives.

IF YOU NEED HELP: Of course, overdrafts should never be used to finance ordinary or routine expenses - and you should not rely on overdrafts to cover these expenses. If at any time you feel you need help with your financial obligations please contact a customer service representative at any of our locations.

*ALWAYS A DISCRETIONARY SERVICE: Our Overdraft Privilege Service does not constitute an actual or implied agreement between you and us. Nor does it constitute an actual or implied obligation of ours or by us. This service represents a purely discretionary privilege or courtesy that we may provide to you from time to time and which may be withdrawn or withheld by us at any time; without prior notice or reason or cause.