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Overdraft Privilege

Please take a moment to review INB’s Overdraft Privilege program as there are some differences between the former CenterPointe program and INB’s program. After the conversion, you may be eligible for INB’s Overdraft Privilege program.

Overdraft Privilege helps protect you against the additional costs, embarrassment, and inconvenience of an accidental overdraft on your account by giving you a reserve for emergencies and unexpected situations. There is no charge for having this privilege on your account unless you use the service. If you do not overdraw your account, you will not be charged an overdraft fee.

Customers who have earned this privilege will be notified by mail after the conversion. You can decide to keep it, cancel it, or extend coverage to include ATM or one-time debit card transactions as well. If you think you would benefit from extended coverage, you may tell us in advance of your choice by  completing the document included titled “What You Need To Know About Overdrafts and Overdraft Fees” and returning it to any INB branch location.

Coverage Options Available

Standard Coverage

You can elect to have Overdraft Privilege cover only checks, ACH items and recurring debit (typically used for automatic payment of subscriptions, dues, utility payments, etc.), and in-person transactions but NOT cover ATM or one-time debit card transactions. Keep in mind that if the amount of an ATM or one-time debit card transaction exceeds your available balance, it will be declined. For example, if you were trying to purchase an item at a store and the amount due totaled more than your available account balance, the purchase would be declined.

Extended Coverage for Consumers

You can elect to extend Overdraft Privilege coverage to include ATM and one-time debit card transactions as well. Just give us your consent. You get the peace of mind of knowing that your transactions will be covered up to the amount of your limit in case of emergency or if you make an accounting error. And, you’ll avoid the embarrassment of having your debit card purchase declined at the checkout counter.

You can extend your Overdraft Privilege coverage by:

• opting in using the form titled “What You Need To Know About Overdrafts and Overdraft Fees”;

• calling us at (888) 509-7922 during normal business hours; or

• visiting one of our branch locations.

No Coverage

You can remove the Overdraft Privilege coverage entirely. Just tell us to remove the coverage at any time. This means that if your checks or ACH items exceed the available balance in your account, they will be returned to the payee and you will be assessed a Returned Item Charge in addition to whatever fees the merchant may charge you for items returned as insufficient. If you try to use your ATM or debit card and the amount of the transaction is more than your available balance, your transaction will be declined. For example, if you were trying to purchase an item at a store and the amount due totaled more than your available account balance, the purchase would be declined.

You can remove the Standard Coverage or revoke your Extended Coverage anytime by:

• opting out of either using the form titled “What You Need To Know About Overdrafts and

Overdraft Fees”;

• calling us 888-509-7922 during normal business hours; or

• visiting one of our branch locations.

Discretionary Overdraft Privilege Policy

It is the policy of Inland Northwest Bank to comply with all applicable laws and regulations and to conduct business in accordance with applicable safety and soundness standards.

The Deposit Account Agreement and Disclosure provided to you in this document controls the duties, obligations and rights of the Depositors, the Authorized Signatories and Inland Northwest Bank with regard to your checking account. The Deposit Account Agreement (and all amendments thereto) and its terms shall control any possible conflict, if any, between any provision of this Discretionary Overdraft Privilege Policy and the Deposit Account Agreement and Disclosure. A copy of the Deposit Account Agreement and Disclosure is available to you on request from your Inland Northwest Bank office.

An overdraft occurs when you do not have enough money in your account to cover a transaction but we pay it anyway. Overdraft Privilege is not a line of credit. However, if you inadvertently overdraw your account, we will have the discretion to pay the overdraft, subject to the limit of your Overdraft Privilege and the amount of the overdraft fee. Inland Northwest Bank is not obligated to pay any item presented for payment if your account does not contain sufficient available funds. Any discretionary payment by Inland Northwest Bank of an overdraft check (or items, such as ATM withdrawals or debit card transactions) does not obligate Inland Northwest Bank to pay any other overdraft check (or item), or to provide prior notice of its decision to refuse to pay such check (or item). If you maintain a consumer account and have chosen to “opt in” to Extended Coverage, Overdraft Privilege will be available for use with your debit card and at the ATM, but your overdraft limit will not be reflected on your ATM available balance or receipt.

Overdraft Privilege is discretionary and dependent on the status of your accounts with INB. Eligibility for Overdraft Privilege is conditioned on your account being open for at least sixty (60) days and thereafter maintaining your account in good standing, which includes:

• bringing your account balance to a positive balance within every thirty (30) day period for a minimum period of one business day;

• not being in default on any loan or other obligation to INB; and

• not being subject to any legal or administrative order or levy.

INB will have the discretion to pay overdrafts within the Overdraft Privilege limits, but payment by INB is a discretionary courtesy and not a right of the customer or an obligation of INB. This privilege for consumer checking accounts will generally be limited to a maximum of $500.00 overdraft (negative) balance. This privilege for commercial accounts will generally be limited to a maximum of $750.00 overdraft (negative) balance. Of course, any and all fees and charges, including without limitation Overdraft Charges (as set forth in our fee schedules and deposit account agreement and disclosure), will be included as part of this maximum amount.

The total of the discretionary Overdraft Privilege (negative) balance, including any and all fees and charges, including all non-sufficient funds/overdraft fees is due and payable upon demand, and

Depositor and each Authorized Signatory will continue to be liable, jointly and severally, for all such amounts, as described in the Deposit Account Agreement and Disclosure with a maximum repayment period of 30 days.

Overdraft Charges are currently $32.00 per item with a maximum daily overdraft fee of $160.00. Any

of the following items can create an overdraft on your account: checks, in-person withdrawals, ATM

withdrawals or by other electronic means (as applicable).

Posting order will be determined by the type of transaction. With a few exceptions, the Bank will pay transactions in the following order each day: (1) one-time debit card transactions in ascending amount order (smallest to largest) and ATM withdrawal transactions, (2) checks in check number order, (3) ACH (automatic withdrawal) in ascending amount order.

If your account balance is overdrawn by $10.00 or less, you will not be assessed an overdraft fee on the items posting to your account that day. If your account balance is overdrawn by more than $10.00,

you will be assessed overdraft fees for all items posting to your account which resulted in the

negative balance. Again, while INB will have the discretion to pay overdrafts on accounts in good standing (as described above), any such payment is a discretionary courtesy and not a right of the customer or an obligation of INB, and INB in its sole and absolute discretion can cease paying overdrafts at any time without prior notice of reason or cause.