ATTENTION CONSUMER ATM/DEBIT CARDHOLDERS:

You can say “Yes” to continue one-time debit card and ATM overdraft protection. Your action will
be required to avoid having these transactions denied. The enclosed brochure will outline this information
for you. You may be receiving an additional notice from us regarding these changes and the choices
available to you. If you do not receive a notice your account will automatically be opted out of this service.
If you would like more information on opting in for this service, please contact your local branch or visit
our website to view your options for this service.