Overdraft Courtesy®

The Bank offers a discretionary overdraft service (the "Overdraft Courtesy® Program") for consumer accounts that (i) are held by Depositors who are United States citizens or Resident Aliens ("Domestic Consumer Accounts"); (ii) have been open for at least thirty (30) days; and (iii) are in good standing. A Domestic Consumer Account is primarily used for personal and household purposes.

An overdraft occurs when you do NOT have enough funds in your checking account to cover a transaction, but you pay it anyway. IBC can cover your overdrafts in two different ways:

1. You are automatically enrolled in Overdraft Courtesy for all transactions other than ATM or daily (non-recurring) debit card transactions. See the Deposit Account Agreement for additional details regarding the Overdraft Courtesy on your account. You may also ask to enroll in Overdraft Courtesy for ATM and daily (non-recurring) debit card transactions.

2. We also offer Overdraft Transfer Protection, a less expensive way to cover inadvertent or occasional overdrafts. Overdraft Transfer Protection can link a secondary account to the customer's checking account. If items are posted against insufficient funds on the checking account, the necessary funds are automatically transferred from the secondary account (if such funds are available) for $12.00 per daily transfer. However, federal regulation limits the automatic transfers to six per month if the secondary account is a savings account.

You may also review the OVERDRAFT COURTESY DISCLOSURE FOR CERTAIN DOMESTIC CONSUMER ACCOUNTS.

To make your choice, complete this form and present it to any IBC Bank Representative or mail it to the address on the form. You may also use IBC Voice or log into IBC Bank Online.