EFFECTIVE JANUARY 28, 2014, PARAGRAPH 2 OF YOUR CHECKING ACCOUNT AGREEMENT WITH OVERDRAFT PAYMENT PROVISIONS WILL BE AMENDED WITH SUB-SECTION (C) AS FOLLOWS: Courtesy Pay Program. If you are eligible in accordance with Credit Union policies, the Credit Union may choose to cover overdrafts in your checking account resulting from checks and other select electronic withdrawals, if no other means of overdraft protection is available as described in paragraphs 2(a) and (b). This program is referred to as Courtesy Pay. Such overdrafts shall subject your account to a paid overdraft fee as disclosed on the Fee Schedule on check, ACH electronic transactions, ATM and Visa Check Card transactions. Fees may not exceed $1,100 for Kasasa® Cash, $1,200 for Choice™ Checking and $950 for Kasasa® Cash Back. For Fresh Start Checking Accounts, overdrafts and related fees may not exceed a cumulative balance of $300. Your account may not have a negative balance resulting from overdrafts and related fees for more than 30 calendar days; thus, you just deposit funds in your account or obtain an approved loan from the Credit Union to cover the full amount of any negative balance within 30 days from the date the account incurs a negative balance. Under this overdraft program, any account with a negative balance for more than 30 days will be subject to collection. The Credit Union may discontinue covering overdrafts at any time without notice.