If you choose to maintain the convenience of our
Courtesy Overdraft Protection* on your ATM and debit
card transactions, be sure to “Opt in” to authorize it by
completing the downloadable form. Then bring it to any
Bryn Mawr Trust office, or mail it to the address noted
on the form. We must have it by August 14th.

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HERE'S WHAT IS CHANGING

We will no longer give you overdraft protection for ATM
and debit card transactions unless you “opt in” or authorize it.
Here’s what that means for you.

If you are already enrolled in one of our Overdraft Protection Plans –
with overdrafts on checks you write, or ATM withdrawals or debit card
transactions covered by funds from another specified account or line
of credit — that will continue. You have already authorized this service.

But, if we have been covering your overdrafts automatically, from debit
card or ATM transactions, we will no longer provide that courtesy
protection unless, and until, you “opt in” or authorize it, in writing.

What Could That Mean For You?
You can probably imagine several examples — you use your debit
card to pay for an emergency car repair, buy groceries or even
prescriptions. In the past, even if you didn’t have quite enough in your
account to cover that transaction, we’ve generally covered it and the
transaction would be approved. But after August 14th, unless you
“opt in” for this automatic coverage before then, your transaction will
be declined. Unless you pay another way, that means no car repair
or prescriptions, or groceries left at checkout.

What Are Your Alternatives?

You have lots of options:

1. Opt in — authorize us to continue giving you courtesy overdraft
protection. Just sign the enclosed form and mail it in or present it at
any office. There’s no fee for opting in, although there are fees
when we cover overdrafts.

2. Sign Up for An Overdraft Protection Plan — by linking your
checking account to a Bryn Mawr Trust savings account, money
market or line of credit, you’ll be covered automatically (as long as
there are sufficient funds in those accounts, of course).

3. Be Prepared to Use Another Form of Payment — if your debit
card is declined, use cash or a credit card, or don’t make the purchase.

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THE DECISION IS YOURS

We offer the tools and options to give you the best
combinationof convenience and affordability.

Everyone chooses to manage their money in the way that best fits their
budgets and their life styles. If you prefer to “opt in” to the convenience
that our courtesy overdraft protection can provide, there are many
ways that you can control the costs related to that decision.

SOME SIMPLE WAYS TO CONTROL COSTS:

1. Sign-up for an Overdraft Protection Plan.

2. Keep careful track of your checking account balance.
You can do that online 24/7, by phone, and at ATMs.

3. Understand how your balance is calculated.
Keep track of checks you’ve written that haven’t yet been presented.
And be aware of how charges are added to your account when
you use a debit card.

For example, when you use a debit card to check in at a hotel for a
3-day stay, the full amount for that stay will be “deducted” (held) from
your account at that time, not at check-out, so your account balance
may instantly be lower than you’d otherwise think.

4. Consider using another form of payment, such as a credit
card or cash, particularly for those small purchases that can lead
to higher overdraft costs.

* About Overdrafts and Overdraft Fees
Overdrafts may occur in any number of ways including overdrafts
created by check, in-person withdrawal, ATM withdrawal, or other
electronic means. The fee for any check/item paid causing an
overdraft mis $32 per item to a daily maximum of $192 total. There
is also an additional fee of $5 every day if your account is overdrawn
for 7 or more consecutive calendar days. We require you to maintain
your account in good standing by making regular deposits and
keeping a positive balance at least once every 30 days. Whether
your overdrafts will be paid is discretionary and we reserve the right
not to pay. For example, we may not pay overdrafts if your account
is not in good standing, or you are not making regular deposits,
or you have too many overdrafts.