ODP Coverage Continuation Form
(Effective August 15, 2010)

WHAT YOU NEED TO KNOW ABOUT OVERDRAFTS AND OVERDRAFT FEES

An overdraft occurs when a customer does not have enough money in their account to cover a transaction, but we pay it anyway.

We can cover overdrafts in two different ways:

• We have standard overdraft practices that come with most accounts.
• We also offer alternative options which may be less expensive than our standard overdraft practices. To learn more, ask about these plans.

This notice explains our standard overdraft practices.

STANDARD OVERDRAFT PRACTICES

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.

FEES CHARGED IF FIRST UNITED BANK PAYS AN OVERDRAFT

Under our standard overdraft practices:

• We will charge you a fee of up to $25 each time we pay an overdraft.
• An interest rate of 18% will be assessed daily on the overdrawn balance (negative balance) on the account. There is no limit on the total fees we can charge you for overdrawing your account.

FIRST UNITED BANK CAN AUTHORIZE AND PAY OVERDRAFTS ON ATM AND EVERYDAY CHECK CARD TRANSACTIONS

If you want us to authorize and pay overdrafts on ATM and everyday check card transaction, complete the form below.

CUSTOMER INFORMATION

First Name Last Name Middle Initial

Mailing Address

City State Zip Code

Primary Contact for Accounts Phone Number (xxx) xxx-xxxx

Account Number Account Number

Account Number Account Number

I want First United Bank to authorize and pay overdrafts on my ATM and everyday check card transactions.

I agree to receive my opt-in confirmation electronically via my email address listed below.

BY CLICKING SUBMIT BELOW, YOU CERTIFY THAT ALL INFORMATION PROVIDED IN THIS APPLICATION IS TRUE TO THE BEST OF YOUR KNOWLEDGE. YOU AUTHORIZE FIRST UNITED BANK TO VERIFY THE INFORMATION YOU PROVIDED.

Email Address Confirm Email Address