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Old Second National Bank ATM/Debit Overdraft Protection Service

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay itanyway. We can cover your overdrafts in two different ways:

We have standard overdraft practices that come with your account.We also offer overdraft protection plans, such as a link to a savings account, which may be less expensivethan our standard overdraft practices. To learn more, ask us about these plans.

What are the standard overdraft practices that come with my account?We do authorize and pay overdrafts on the following types of items:

Checks and other transactions made using your checking account numberAutomatic bill payments

We do not authorize and pay overdrafts on the following types of transactions unless you ask us to (see below):

ATM TransactionsEveryday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and payany type of transaction.If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if Old Second National Bank pays my overdraft?Under our standard overdraft practices:

We will charge you a fee of $35.00 each time we pay an overdraft.Also, if your account is overdrawn $25.00 or more for 7 consecutive days, we will charge an additional$5.00 each business day after the 7th day.We will not charge you for more than 6 overdraft incidents or occurrences per business day.

What if I want Old Second National Bank to authorize and pay my overdrafts on my ATM and everyday debitcard transactions?If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions, call1-877-866-0202 or visit any one of our branches and speak with a Personal Banker.

What You Need toKnow about Overdraftsand Overdraft Fees

STAY PROTECTEDFederal lawmakers have created new rules governing overdraft protection programs for personal checking accounts. Banks must o�er you the ability to make decisions about overdraft protection for transactions made with your ATM or debit card.

In the past, unless you speci�cally asked to “opt out”, the bank could automatically enroll you in the overdraft protection program that allowed the bank to pay an ATM or debit card transaction when funds were not available and charge fees on the resulting overdraft.

As a result of the new federal rules, if you value and want to continue to have ATM/debit card overdraft protection when transacting an ATM or one-time debit card transac-tion, you will have to authorize the bank to “opt “ you into Old Second’s discretionary ATM/debit card overdraft protection service.

WHY OPT IN?Old Second Bank’s discretionary ATM/debit card overdraft protection service is designed with your convenience in mind and as a safety net for emergency funds. The majority of our customers do not overdraw their accounts and incur fees. But on occasion an emergency need for funds or an error in balancing your checkbook may create an overdraft situation. “Opting in” and allowing the bank to authorize the transaction and the accompanying fees, may be the added convenience and security you look for in a bank relationship.

For new accounts opened on or after July 1, 2010, your ATM and one-time debit card transactions WILL NOT be protected under Old Second’s discretionary ATM/debit card overdraft protection service unless you OPT IN.

HOW TO OPT INStop by any branch or call 877-866-0202 to opt in today.

www.oldsecond.com Member FDIC

Whether your overdrafts will be paid is discretionary 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 you are not making regular deposits, or you have too many overdrafts. The amount of any overdraft plus our overdraft fees that you owe us shall be due and payable on demand. The current overdraft fee is $35.00 per item. Up to six (6) such fees may be assessed per day. In addition, accounts overdrawn $25.00 or more for 7 consecutive days will be charged $5 each business day after the 7th day. Fees may be imposed for overdrafts created by check, in-person withdrawal, ATM withdrawal, debit card or other electronic means.

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STAY PROTECTEDOpt in for ATM/Debit overdraft privileges