*If your consumer account (primarily used for personal, family and household purposes) has been open for at least thirty (30) calendar days, and you maintain your account and each of your other First Midwest Bank accounts in good standing, First Midwest Bank will have the discretion to pay overdrafts within the Overdraft Privilege limits. Payment is a discretionary courtesy and not a right of the client or an obligation of First Midwest Bank. “Good standing” means, at a minimum, you bring your account to a positive balance for a minimum of one business day within each thirty (30) calendar day period and you are not in default on any loan or other obligation. Standard coverage includes the payment of checks, ACH items and recurring debits (typically used for automatic payment of subscriptions, dues, utility payments, etc.), and in-person transactions. If you choose to have the payment of ATM or everyday Debit Card transactions, you may elect to extend your coverage to have these types of transactions covered. This Overdraft Privilege for consumer checking, savings, and money market accounts will generally be limited to a maximum of $500 overdraft (negative) balance. Any and all fees and charges, including without limitation the Overdraft and Returned Item Fees, will be included in the overdraft amount. Your overdraft amount may exceed the Overdraft Privilege amount as a result of the assessment of a fee. An overdraft fee of $35 (limit 5 per day totaling $175) will be assessed (and subtracted from your Overdraft Privilege limit) each time we pay an overdraft. The Return Item Fee is $35. If your account remains overdrawn for seven (7) calendar days, we will charge an additional Daily Overdraft Fee of $6.50 per day beginning on the first business day following that period. We also offer overdraft protection plans, such as a link to a savings account, or line of credit which may be less expensive than our standard overdraft practices. First Midwest Bank pays items as disclosed in your Retail Account Agreement and Disclosure in the section titled “Overdrafts/Returned Items, Posting Order and Fees.” You are permitted to remove Overdraft Privilege and/or extended coverage at any time.