COURTESY COVERAGE POLICY

A Discretionary Overdraft Service

It is the policy of Excite Credit Union ("the Credit Union," "CU," "we," "us," or "our") 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:

• The payment of checks
• Electronic funds transfers
• Debit card/ATM transactions
• Other withdrawal requests
• Payments authorized by you
• The return of deposited items unpaid by another financial institution
• The imposition of applicable service charges
• The deposit of items that, according to the Credit Union'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 or uncollected funds items that you may have, if your eligible account (primarily used for personal and household purposes) has been open for at least thirty (30) days and thereafter you maintain your account in good standing, which includes:

• Continuing to make deposits consistent with your past practices
• Depositing at least $400 or more into your account within each thirty (30) day period
• Not being in default on any loan obligation to the Credit Union
• Bringing your account to a positive balance (not overdrawn) at least once every thirty (30) days
• Your account not being the subject of any legal or administrative order or levy

We will consider, without obligation on our part, approving your reasonable overdrafts. This discretionary service is generally limited to a $1,000 overdraft (negative) balance for eligible personal checking accounts.

Our standard Courtesy Coverage fee is $14.00 per item paid, and all fees assessed count toward the $1,000 overdraft limit.

Courtesy Coverage Limits and Fees

• The maximum amount of Courtesy Coverage fees we will collect per day is $140.00 (T paid items at $14.00 each) while you remain within the $1,000 overdraft limit.
• If you exceed the $1,000 overdraft limit at any time and we continue to pay items on your account, our standard Non-Sufficient Funds (NSF) fee of $14.00 may be charged for each item paid or returned.

Overdraft Protection from a Membership Savings or High Yield Money Market Account

Members have the option to link their Excite checking account to their Membership Savings or High Yield Money Market account. If sufficient funds are not available in the checking account at the time of a transaction, funds from the savings or money market account will be transferred to the checking account in $100 increments.

• A $5.00 transfer fee applies per transfer.
• You are allowed to make a maximum of six (6) non-personal transfers per month. Non-personal transfers include transfers or withdrawals made by pre-authorized or automatic transfer, telephonic order or instruction, check, debit card, ACH transaction, or other similar third-party transactions.

If your Membership Savings and/or High Yield Money Market account is set up to provide overdraft protection for your checking account, funds will be transferred to cover eligible transactions when there are insufficient available funds in your checking account.

• If you participate in Courtesy Coverage and the clearing transaction, along with any corresponding fees, does not exceed the current program limit, eligible transaction(s) may be paid by Excite Credit Union and assessed the applicable $14.00 Courtesy Coverage fee for each item paid.
• If you do not participate in Courtesy Coverage, or if the transaction would cause the account to exceed the overdraft limit, ATM and everyday debit card transactions may be declined, and checks, ACH transactions, or other automated clearing transactions may be returned due to insufficient funds and assessed the applicable $14.00 NSF fee.