Harvest Community Bank - www.harvestcommunitybank.com

Purpose
Having a check returned due to insufficient funds can be a costly and embarrassing experience. That is why Harvest Community Bank provides "Harvest Overdraft Privilege", a special overdraft privilege for our checking account customers.

Harvest Overdraft Privilege gives our customers an added level of protection against unanticipated cash flow emergencies and account reconciliation errors.

Harvest Community Bank does not encourage overdrafts. As always, we encourage our customers to manage their finances responsibly. This service saves our customers from embarrassment, additional merchant fees or other problems that might occur if a check is returned.

What is Harvest Overdraft Privilege?
Harvest Overdraft Privilege is a "safety net" privilege that allows customers to enter into an overdraft position without having insufficient checks returned. When an overdraft is covered by the Harvest Overdraft Privilege limit assigned to that respective checking account, Harvest Community Bank automatically subtracts the amount of the check and the overdraft fee of $30 for each item paid. As a non-contractual service, the bank may withdraw the privilege based on poor performance of the account -- basically failure to cover the overdrafts.

What it is not.
Harvest Overdraft Privilege is not a loan or line of credit! It is important to understand that Harvest Overdraft Privilege is provided as a customer service and is a privilege extended by the bank.

Transactions covered under the program:

How does Harvest Overdraft Privilege work?
As long as a customer maintains their account in good standing (defined as making regular deposits and bringing their account to a positive balance at least once every 7 days), Harvest Community Bank may honor overdrafts up to the Harvest Overdraft Privilege limit for that respective account.

What does Harvest Overdraft Privilege cost?
There is no additional cost associated with this privilege -- unless it is utilized. When utilized, the customer will be charged our standard overdraft fee of $30 for each item paid under the established limit.

What is the Harvest Overdraft Privilege Limit?
If a customer has multiple accounts, they will have a limit on all eligible accounts.

The corresponding checking account types have a Harvest Overdraft Privilege limit of $800:

The corresponding checking account type has a Harvest Overdraft Privilege limit of $1,200:

What do I do if I do not want Harvest Overdraft Privilege?
Harvest Overdraft privilege may be removed at any time. Customers simply come into one of our offices and sign the Harvest Overdraft Privilege Opt Out Waiver.

What if I change my mind and want to re-enter the Harvest Overdraft Privilege program?
A Harvest Overdraft Privilege limit may be re-assigned as long as the account has remained in good standing. The customer must appear in person and complete a Revocation of Waiver of Harvest Overdraft Privilege.

How will the customer know when they use their overdraft limit? What if they go beyond their Harvest Overdraft Privilege Limit?
Whenever Harvest Community Bank pays an item that accesses a customer's Harvest Overdraft Privilege, an overdraft notice will be mailed to the customer. Overdrafts above and beyond a customer's established Harvest Overdraft Privilege limit may result in a check or checks being returned to the payee. The normal overdraft fee of $30 will be charged per item and assessed to their account. In order not to exceed a customer's established Harvest Overdraft Privilege limit, each customer needs to note that the amount of the overdraft, plus our standard overdraft fee of $30 for each item, will be deducted from their overdraft limit.

How quickly must a customer repay their Harvest Overdraft Privilege?
Customers should make every attempt to bring their account to positive balances within 7 days. If they do not, Harvest Overdraft Privilege limit will be suspended.

If there has been no deposit activity in the checking account within 31 days, the Harvest Overdraft Privilege limit will be suspended.

What happens if I cannot cover my overdrafts?
If, after 45 days, the customer's account has not been brought to a positive balance, the account will be charged off and closed. Once an account is charged off, customers will be reported to ChexSystems and will not be allowed to open another account with us - unless the original amount owed is satisfied and it is decided the customer is good standing with our bank.

How soon can a customer use his/her Harvest Overdraft Privilege?
If the customer is a new active account holder, he or she may be able to use the overdraft privilege limit assigned to his/her account type after 30 days after the account is opened providing the account has remained in good standing for that entire time.

What are some of the ways a customer can access their Harvest Overdraft Privilege limit? And will their limit be reflected in the balances they receive?
The following are different ways a customer can access their Harvest Overdraft Privilege limit and whether or not the limit is reflected in the balance provided.

Access Point	Is Overdraft Privilege Limit Available	Does the balance provided reflect the Overdraft Privilege Limit
Teller	Yes	No
Writing a Check	Yes	Not Applicable
Debit MasterCard	Yes	Not Applicable
ATM Withdrawal	Yes	No
ACH-Auto Debit	Yes	Not Applicable
Bank by Phone	Yes (for internal transfers only)	No

What if a customer goes beyond his/her Harvest Overdraft Privilege Limit?
In order not to exceed a customer's established limit, each customer needs to note that the amount of the specific overdraft, plus our standard overdraft fee of $30 for each item, will be deducted from their overdraft limit.