OVERDRAFT PROTECTION SERVICE TERMS

FOR USING YOUR SAVINGS, MONEY MARKET, OR CHECKING ACCOUNT

I authorize INTRUST Bank, N.A. (Bank) to transfer funds to cover any overdraft which may occur in my Checking Account as set forth in this Overdraft Protection Service Terms (Service Terms). My Checking Account is the account designated as the Child account on the Overdraft Protection Service Account Designation. The transfer will be from the account designated as the Parent account the Overdraft Protection Service Account Designation (Transfer Account). The Transfer Account may be an INTRUST savings, money market or checking account.

My Checking Account is overdrawn whenever it contains insufficient funds to pay any item or transaction presented for payment (“Overdraft” or “Overdrawn”).

At the end of the Business Day (as defined in the Terms and Conditions for Your Deposit Accounts), if my Checking Account is Overdrawn, funds in my Transfer Account will be transferred by the Bank to my Checking Account. The transfer will be in the exact amount to bring the available balance on my Checking Account to zero that day. The Bank will not consider my Checking Account to be Overdrawn that day. [Available balance (“Balance”) is the Balance of my Checking Account at the end of the Business Day after all items and transactions have been presented and paid less any hold on my funds including Point of Sale (POS) authorizations. The available balance may not be the same as the balance shown on my monthly statement of account.]

Although all items and transactions have been presented and paid prior to the transfer, in limited situations some fees may not be subtracted from the Balance in my Checking Account until after the transfer. This may result in an Overdraft in my Checking Account after the transfer has been made. If the amount of the Overdraft is greater than $5.00, an Overdraft fee will be charged. The Bank will consider my Checking Account Overdrawn that day.

If the Transfer Account does not have a sufficient Balance to cover the Overdraft resulting in a zero balance in the Transfer Account, the Transfer Account may be automatically closed. If the remaining Overdraft in my Checking Account is equal to or less than $5.00 the bank will consider my Checking Account Overdrawn that day. An Overdraft fee may be charged for each item which causes or increases an Overdraft to be more than $5.00. The Overdraft fee shall be the amount as set forth on the Personal Accounts Fee Schedule effective on the date of the Overdraft.

If the Transfer Account does not have a sufficient Balance to cover the Overdraft in my Checking Account, I will not be charged an Overdraft fee on any item or transaction paid that is equal to or less than $5.00 that causes or increases an Overdraft in my Checking Account. The Bank will consider my Checking Account Overdrawn that day even though I may not be charged an Overdraft fee.

If the Transfer Account does not have a sufficient Balance to cover the Overdraft in my Checking Account, the Bank may return items or transactions not paid due to non-sufficient funds (NSF). The Bank’s current NSF fee will be charged for each item or transaction presented that is not paid. The NSF fee shall be the amount as set forth on the Personal Accounts Fee Schedule effective on the date the item or transaction is presented and not paid. The Bank will not charge a NSF fee on any item or transaction returned that is equal to or less than $5.00.

I understand that any use of my Checking Account and Transfer Account is subject to the Bank’s Terms and Conditions for Your Deposit Accounts. Additional service fees and activity fees may apply.

If my Transfer Account is a savings or money market account, the terms of this account limit preauthorized, automatic and telephone transfers or withdrawals from that account to nine (9) per monthly cycle (an approximate four (4) week period, not necessarily a calendar month). If the limit is exceeded or I attempt to exceed the limit, the Bank may refuse to make the transfer and/or reclassify or close my account. A transfer for overdraft protection is considered a preauthorized transfer.

If you have previously designated more than one Transfer Account, the bank will continue to honor the designation and transfer from each Transfer Account in the order set out on the Overdraft Protection Service Account Designation. Reference to one Transfer Account in these Service Terms shall be read as referring to all accounts designated on the Overdraft Protection Service Account Designation, as applicable. Any change in ownership of the Checking Account or Transfer Account or the closing of any one Transfer Account for any reason shall require a new Overdraft Protection Service Account Designation and only one Transfer Account will be allowed.

The Bank reserves the right to change these Service Terms upon providing notice as required by law or regulation. My use of this Overdraft Protection Service after notice of a change to the Service Terms will constitute my agreement to the changes. The Bank may cancel this Overdraft Protection Service with me or with all customers enrolled in overdraft protection under these Service Terms at any time. The Bank will provide reasonable notice of the cancelation. The Bank shall not be responsible for my checks being returned for reason of the Bank’s failure to make a transfer(s) of funds.

In the event I have designated different Transfer Accounts for overdraft protection at different times, the designation with the most recent date shall be considered controlling.

Member FDIC

DB340-101SPAGMT (6/14/2021)