Dear Member:

There are new federal regulations going into effect soon, and we
want to be sure that you are aware of how this will affect you. These
changes will alter the overdraft service on your account—unless you
return the attached form to us.


What You Need to Know:

• By July 1st your account may be eligible for Overdraft service
  for ATM withdrawals and everyday debit card transactions.
  
• Due to new federal regulations you must opt in to keep this
  service.
  
• If you opt in now, you won’t lose this overdraft service.
  
• If you decide not to opt in and there are insufficient funds in
  your account to cover your purchase or ATM withdrawal, the
  transaction may be declined.
  
• There is no charge for this service unless you use it.
  
• You may change your decision, either way, at any time.
  
• To opt in, call 1-800-264-4562, visit your local Branch or return
  the attached form.

Why Opt In?

Heart of Louisiana’s overdraft protection is designed with your
protection and convenience in mind. The vast majority of our
members do not overdraw their accounts and incur fees, however
life doesn’t always go as planned and overdrafts do occur.
Whether it is from a checkbook register error to an unplanned
emergency expenditure.


Continue to Next Page

How you can avoid overdrafts
altogether

As always, we want to help you
effectively manage your account.
That’s why we offer a number of free,
easy-to-use tools to keep you in
control of your account, including:

• Online banking
  
• Telephone account access
  
• E-Statements
  
• Direct Deposit
  
• Transfers to and from your other
  Heart of Louisiana checking and
  savings accounts for a $2 fee per
  transaction.

All of these tools are available 24
hours a day, 7 days a week for your
convenience.