Discretionary Overdraft Privilege

As a personal checking account customer of Tulsa National Bank, you should have recently received a letter in the mail notifying you that, because of your good relationship with Tulsa National Bank, an overdraft privilege is now available on your account in accordance with our Discretionary Overdraft Privilege Policy.

Overdraft privilege is not a line of credit; however, should you inadvertently overdraw your account, we have the discretion to cover your overdrafts up to an amount that includes the amount of the overdraft fee(s). When your items are paid, this service will help save you the embarrassment and inconvenience of a returned item as well as the fee normally charged to you by merchants for items returned to them.

The amount of Discretionary Overdraft Privilege will be available to you for ATM cash withdrawals, Online bill payment and when you use your check card for purchases at retail merchants.

If an overdraft occurs, your account will be charged the standard NSF fee of $25 for handling each item, even if paid by the discretionary overdraft privilege. This is the same fee that Tulsa National Bank charges for items drawn against insufficient funds and returned to the payee. If multiple items are presented against your account on the same day, each item will be assessed the NSF fee.

As a means of expressing our appreciation for your financial relationship with Tulsa National Bank, we are pleased to make this courtesy available to you. Please be aware that this notice does not constitute either a written or prearranged agreement for Tulsa National Bank to pay your overdrafts and this privilege may be withdrawn at any time. Payment of overdrafts will continue to be at the discretion of Tulsa National Bank and does not obligate us or create an agreement or course of dealing to allow overdrafts on any occasion.

If you have any questions regarding this or wish to opt out of this service, please contact a Customer Service representative at 918-494-4884.

Please take a moment to review the bank's Discretionary Overdraft Privilege Policy Notice:

Tulsa National Bank
Discretionary Overdraft Privilege Policy Notice

It is the policy of Tulsa National Bank 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 Tulsa National Bank 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 Policy and the Deposit Account Agreement and Disclosure. A copy of the Deposit Account Agreement and Disclosure is available to you on request from the Tulsa National Bank customer service department.

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. Tulsa National Bank is not obligated to pay any item presented for payment if your account does not contain sufficient available funds. Any discretionary payment by Tulsa National Bank of an overdraft check (or ACH presentment or ATM withdrawal) does not obligate Tulsa National Bank to pay any other overdraft check (or item), or to provide prior notice of its decision to refuse to pay such check (or item).

As always, Tulsa National Bank's commitment is to provide you with the best possible service. If your consumer account (primarily used for personal and household purposes) has been open for at least thirty (30) days, or if your commercial account has been open for at least sixty (60) days, and thereafter you maintain your account in good standing, which includes:

1. Bringing your account balance to a positive balance within every thirty (30) day period for a minimum period of 24 hours;
2. Not being in default on any loan or other obligation to Tulsa National Bank and
3. Not being subject to any legal or administrative order or levy

Tulsa National Bank will have the discretion to pay overdrafts within the overdraft privilege limits. However, payment by Tulsa National Bank is a discretionary courtesy and not a right of the customer or an obligation of Tulsa National Bank. Depending on account type, this privilege for consumer checking accounts will generally be limited to a maximum of either $500 or $750 overdraft (negative) balance. This privilege for commercial accounts will generally be limited to a maximum of $1,000 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.

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 Signer 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.

Again, while Tulsa National Bank 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 Tulsa National Bank and Tulsa National Bank in its sole and absolute discretion, can cease paying overdrafts at any time without prior notice of reason or cause.

January 2006