Opt-In Form - Changes in Your Overdraft Privilege
(When Your Visa Check Card or ATM Card Has
Been Declined)

Please remember you must submit an Opt-In Form for each checking account you'd like to protect.

Federal lawmakers have created new rules governing the way all banks pay overdrafts on behalf of their customers. As a result, you now have more choices regarding the overdraft coverage you wish to have on your account.

On August 15, 2010, Overdraft Privilege basic coverage will no longer apply to ATM and everyday check card overdrafts unless you “opt-in” to Overdraft Privilege Plus. Through Overdraft Privilege Plus, you can enjoy the same level of account protection you have today. Like our standard overdraft privilege coverage, there is no fee for this service unless you use it.

IF YOU DO NOTHING we must assume you do NOT want Overdraft Privilege to cover your ATM and everyday Visa® Check Card transactions and your service for these transactions will end on August 15, 2010.

WHY opt-in?
Our overdraft solution is designed with your protection and convenience in mind. The vast majority of our customers do not overdraw their accounts and incur fees, however life doesn’t always go according to plan, and overdrafts do occur. Without Overdraft Privilege Plus, your ATM and everyday Visa® Check Card transactions may be declined if you attempt to make a transaction without sufficient funds. Avoid the embarrassment of a declined ATM or Visa® Check Card transaction by opting in to our overdraft protection service.

For example, you are at a restaurant and you give the waiter your Visa® Check Card to pay your bill. But what you don’t know is that a long-time outstanding check has finally hit your account – and now you don’t have enough money in your account to pay for your meal. Instead of being “declined” at the restaurant and having the waiter return your card for some other type of payment, Overdraft Privilege Plus will allow your transaction to be processed as usual for a fee. There is no charge for this service unless you use it. Wouldn’t you agree that opting-in to keep this service would give you extra security and peace of mind?

HOW to opt-in?
1) You may fill out the digital form by clicking the "Opt-In Form" button.

2) You may speak to a Banker by calling us toll free on the Overdraft Hotline
(877-797-0222) or visiting any of our locations.

Please remember you must submit an Opt-In Form for each checking account you'd like to protect.

TOWN COUNTRY FINANCIAL CORPORATION
And its affiliates
Discretionary Overdraft Privilege Service Description

It is the policy of Town and Country Financial Corporation to comply with all applicable laws and regulations and 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 us controls the duties, obligations and rights of the Depositor, the Authorized Signatories and Town and Country Financial Corp. with regard to your checking account. The Deposit Account Agreement (and all amendments thereto) and its terms shall control any possible conflict, if any, between any provision of this Discretionary Overdraft Privilege Service and the deposit Account Agreement and Disclosure. A copy of the Deposit Account Agreement and Disclosure is available to you on request from your Town and Country Financial Corporation banker.

Overdraft Privilege is not a line of credit. However, if you inadvertently overdraw your account, we will have the discretion to pay the overdraft, subject to the limit of your Overdraft Privilege and the amount of the overdraft fee. Town and Country Financial Corporation is not obligated to pay any item presented for payment if your account does not contain sufficient available funds. Any discretionary payment by Town and Country Financial Corporation of an overdraft check (or items, such as ATM withdrawals) does not obligate Town and Country Financial Corporation to pay any other overdraft check (or item), or to provide prior notice of its decision to refuse to pay such check (or item).

Pursuant to Town and Country Financial Corporation’s commitment to always provide you with the best level of service, now and in the future, if your consumer account (primarily used for personal/household purposes) has been open at least thirty (30) days, or if your commercial account has been open at least sixty (60) days, and thereafter you maintain your account in good standing, which includes at least:

A) Bringing your account to a positive balance within every thirty (30) day period for a minimum period of 24 hours,
B) Not being in default on any loan or other obligation to Town and Country Financial Corporation, and
C) Not being subject to any legal or administrative order or levy.

Town and Country Financial Corporation will have the discretion to pay overdrafts within the overdraft privilege limits, but payment by Town and Country Financial Corporation is a discretionary courtesy and not a right of the customer or an obligation of Town and Country Financial Corporation. This privilege for consumer checking or savings accounts will generally be limited to a maximum overdraft (negative) balance ranging from $500 to $2000. This privilege for commercial accounts will generally be limited to a maximum of $800 overdraft (negative) balance. Of course, any and all fees and charges, including without limitation the non-sufficient funds fees (as set forth in our fee schedules and deposit account agreement and disclosure), will be included as part of this maximum amount. It may be possible that your account will become overdrawn in excess of the Overdraft Privilege amount as a result of the assessment of a fee.

The total of the discretionary Overdraft Privilege (negative) balance, including any and all fees and charges, including all non-sufficient funds/overdraft fees is due and payable upon demand, and 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 with a maximum repayment period of 30 days.

Our standard Overdraft Fee of $27.38 will be imposed for overdrafts created by checks,ACH, ATM withdrawls, everyday debit card transactions, in-person withdrawals, or by other electronic means. Transactions may not be processed in the order they occurred, and the order in which transactions are received and processed may impact the total amount of fees incurred.

While Town and Country Financial Corporation will have the discretion to pay overdrafts on accounts in good standing (as described above), any such payment is a discretionary courtesy, and not a right of the customer or an obligation of Town and Country Financial Corporation and Town and Country Financial Corporation in its sole and absolute discretion, can cease paying overdrafts at any time without prior notice of reason or cause.

For our consumer customers Town and Country Financial Corporation will not pay overdrafts for ATM or everyday debit card transactions after August 15, 2010 unless Town and Country Financial Corporation has provided you with the notice required by section 205.17(b) of Regulation E and you have opted in to the payment of these overdrafts. In order to avoid overdrafts due to ATM and everyday debit card transactions, Town and Country Financial Corporation will place a hold on your account for any ATM or everyday debit card transaction authorized until the transaction settles. ATM and everyday debit card transactions usually settle within two business days after the transaction is authorized. The amount of the hold will be for the amount authorized, or as permitted under applicable payment network rules. Holds on authorized ATM and everyday debit card transactions will be removed prior to settlement where required by applicable payment network rules.

In addition, for both consumer and commercial accounts, you may opt out of the Overdraft Privilege services for check, ACH and debit card bill payment transactions at any time by contacting one of our Account Services Representatives.

July 2010