Courtesy Pay Disclosure

• Opt-Out of Courtesy Pay
• Courtesy Pay Opt-In Option

Courtesy Pay is a service that allows us to pay items presented against your checking account even if they cause the account to become overdrawn. Courtesy Pay may provide certain accountholders age 18 and over, whose accounts are in "good standing," with the ability to overdraw their checking account up to $536. The Courtesy Pay limit includes any Courtesy Pay fees assessed.

If the accountholder is age 18 or older, the checking account has been open at least 60 days and is in good standing, we may, at our sole discretion, pay overdrafts up to the limit mentioned above, including our Courtesy Pay fee(s). Your checking account is considered in good standing if A) You make regular deposits sufficient to cover transactions; B) You bring the account to a zero or positive balance for a full 24-hour business day at least once every thirty days; C) There are no legal orders outstanding on your account; and D) No loan accounts are delinquent. Whether we pay or return an item, your account will be assessed a fee, either as a Courtesy Pay fee or a Non-Sufficient Funds (NSF) fee but you will not be charged both. Our current charge per item is $18, which may be changed with prior notice to you. You will have up to 30 days to bring your account current and we will send you a notice each time an overdraft occurs.

This non-contractual courtesy of paying overdrafts requires no accountholder action for the Courtesy Pay Standard Option and no additional agreements need to be signed. The standard option will cover the following items:

• Checks and other transactions made using your checking account number, including checks cashed at a teller window
• Automatic bill payments
• Recurring debit card transactions
• ACH withdrawals

The Courtesy Pay Opt-In Option allows CapEd to also authorize ATM and one-time debit card transactions when enough funds are not available. To include this option with the Standard Option, you must sign an opt-in form and return it to CapEd.

Although you are not charged for using Courtesy Pay unless you have an overdraft, you may opt-out of Courtesy Pay at any time. If you do not want us to pay your overdrafts, you must notify us in writing ("opt-out"). If you receive a direct deposit social security or other federal benefit check, you must opt-out if you do not want us to apply those funds to repay an overdraft.

Courtesy Pay offers additional flexibility and convenience in managing your funds, and provides peace of mind knowing that items may be paid up to the authorized overdraft limit. Using Courtesy Pay may be more costly than other overdraft payment options we offer. Please speak to a representative to see if you qualify for these other options. Courtesy Pay allows CapEd to provide a higher level of service to our accountholders by helping to protect your account and reputation when an inadvertent overdraft occurs.

Additional information is found in your account agreement. If you have further questions, do not hesitate to call us at 208-884-0150 or toll-free at 1-800-223-7283.

Revised 01/2010

• Opt-Out of Courtesy Pay
• Courtesy Pay Opt-In Option