*** ATTENTION CONSUMER ATM/DEBIT CARDHOLDERS ***
 
THE ENCLOSED STATEMENT INSERT ONLY APPLIES TO ACCOUNTS FOR PERSONAL, FAMILY OR HOUSEHOLD PURPOSES. 
 
Effective August 15, 2010, a new federal regulation goes into effect that will not allow us to cover your one-time debit card transactions or ATM withdrawals using our Bounce Protection Service unless you choose to opt-in to the program.   What’s the Next Step?  The enclosed notice explains the process for making your choice to opt-in; you will be asked to notify us of your decision prior to the August 15, 2010 effective date.