*First Bank will have the discretion to pay overdrafts within the Overdraft Privilege limit of $1000.00, but payments by First Bank is a discretionary courtesy and not a right of the customer or an obligation of First Bank to create an agreement or course of dealing on our part to allow overdrafts on any occasion. We will charge you a fee of up to $35 each time we pay an overdraft transaction. We will charge the fee for the first 15 items that overdraw your account on any one day, or a total of $525.00. Any and all fees and charges, including without limitation the NSF fees (as set forth in our fee schedules), will be applied and may exceed the maximum overdraft (negative) balance. Debit items may not be processed in the order in which they occur or are received by First Bank and, as a result, this may affect the total overdraft fees you incur. Exclusions to Overdraft Privilege may include, but are not limited to, clients with five (5) or more First Bank Small Business Checking accounts, or clients with a First Bank business lending relationship.