DISCRETIONARY OVERDRAFT PRIVILEGE GUIDELINES

It is the policy of Adams County National Bank to comply with all applicable laws and regulations, as well as to conduct business in accordance with applicable safety and soundness standards.

The Deposit Account Agreement and Disclosure provided to you at the time you opened your account with the Bank controls the duties, obligations and rights of the Depositor, Authorized Signatories and Adams County National Bank with regard to your checking account.  The Deposit Account Agreement (and all its amendments thereto) and its terms shall control any possible conflict, if any, between any provision of these Discretionary Overdraft Privilege Guidelines and the Deposit Account Agreement and Disclosure.  A copy of the verbiage contained in the Deposit Account Agreement and Disclosure is available to you upon request.

Adams County National Bank is not obligated to pay any item presented for payment if your account does not contain sufficient available funds, and any discretionary payment (or other negotiation or processing) by Adams County National Bank of any non-sufficient fund check or checks (or other item) does not obligate Adams County National Bank to pay any additional non-sufficient fund check or item or to provide prior notice of its decision to refuse to pay any additional non-sufficient fund check or item.

Pursuant to Adams County National Bank's commitment to provide you with the best level of customer service, now and in the future, if your consumer account has been open for at least ninety (90) days, and thereafter you maintain your account in good standing, which included at least:

• Making regular deposits consistent with your past practices,
• Depositing an amount equal to the amount of discretionary courtesy overdraft extended to you or more in your account within each thirty (30) day period and bringing your account balance to a positive balance within every thirty-five (35) day period,
• Not being in default on any loan or other obligation to Adams County National Bank, and
• Not being subject to any legal or administrative order or levy, 

Adams County National Bank will consider, as a discretionary courtesy and not a right or obligation, approving your reasonable overdrafts.  This privilege will generally be limited to a maximum of a $300 overdraft (negative) balance for free checking accounts; a $500 overdraft (negative) balance for free checking accounts with direct deposit and non-interest bearing checking accounts; and, a $700 overdraft (negative) balance for interest bearing checking accounts.  Of course, any and all Bank fees and charges, including without limitation the non-sufficient fund/overdraft fees and interest charges (as set forth in our fee schedules and Deposit Account Agreement and Disclosure), will be included in this limit.  Specifically, a fee of $40 per overdraft item paid will be assessed.  This fee applies to overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means as applicable.

Adams County National Bank may limit this discretionary courtesy to only one account per household.

The total of the discretionary courtesy overdraft (negative) balance, including any and all Bank fees and charges, including all non-sufficient fund/overdraft fees and interest charges, is due and payable upon demand, and the Depositor and each Authorized Signatory will continue to be liable, jointly and severally, for all such amounts, as described in the Deposit Account Agreement and Disclosure.

Again, approval of payment of reasonable overdrafts by Adams County National Bank on consumer accounts in good standing (as described above) is only a discretionary courtesy, and not a right or obligation; is within Adams County National Bank's sole and absolute discretion; and, can cease at any time without prior notice of reason or cause.