Please complete and return the enclosed form to Southwest Chicago Chapter Credit Union or call 312-225-1258 to notify us of your decision.

[  ] If you DO authorize us, then we may pay at our discretion any ATM or debit card transaction that is processed when you do not have adequate funds in your account. This will create an overdraft, and you may be charged a $25.00 fee. Of course, we retain the right to pay or not pay any items when there is not enough money in your account to cover the transaction.

[  ] If you DO NOT authorize us, then any ATM or debit transaction that is processed when you do not have adequate funds in your account will be declined.

Your decision is required regarding whether we should pay or not pay ATM and one-time debit card transactions. If you do not respond to this letter, we will interpret your non-response as directing us to NOT pay ATM or debit transactions when you do not have sufficient funds in your share draft account.

The government set an implementation date of August 15, 2010. Therefore your decision for us to pay or not pay ATM or debit card transactions presented without sufficient funds will NOT be effective until August 15, 2010. Until that time, we will continue to follow our typical overdraft practices.

We value your membership and look forward to continuing to serve your financial needs. If you have any questions, or need assistance with your account, please call 312-225-1258, or visit our website at swccu.com.

　Sincerely,

   Board of Directors