IMPORTANT INFORMATION AFFECTING YOUR CHECKING ACCOUNT

ACTION REQUIRED

The Federal Government recently approved amendments to Regulation E (effective August 15, 2010) which will greatly affect the level of service we may provide you. Your action is required otherwise your checking account features will no longer be the same.

The new regulation requires us to obtain your approval before we consider payment of your ATM withdrawals and debit card purchases that may create an overdraft in your checking account. We currently provide this service to you as part of our Overdraft Privilege. The majority of our customers prefer having this service to avoid the embarrassment of having their debit card purchases denied.

To continue receiving the same level of service, please telephone or drop by your local First Community Bank location to complete the Opt In form. Once you “opt-in” we will send you a letter to confirm your choice.

We appreciate having you as our customer. There is no charge for this service unless you use it.