Co-op Services Credit Union

The deadline for you to authorize Co-op Services to pay your debit and ATM card overdrafts is rapidly approaching. As a reminder, federal regulators have created new rules affecting your use of debit and ATM cards that require you to take action by August 15, 2010. You now MUST CHOOSE whether or not you want Co-op Services to authorize and pay your overdrafts on debit and ATM card transactions when funds are not available in your account.

For example, if you are at the grocery store and swipe your debit or ATM card to pay for your purchase, do you want your purchase to be approved if you do not have enough money in your account? If you answered “YES,” we need to hear from you.

Please note that if you do NOT give us authorization before August 15th, your debit and ATM card
transactions will NOT be paid using Co-op Services’ overdraft privilege service.

How do you authorize Co-op Services to pay your debit and ATM card overdrafts?
Just print and complete the form at the bottom of this page and return by mail to 29550 Five Mile Road, Livonia,
MI 48154 (Attention: Remote Services), call Remote Services at 800-321-8570 ext. 300, or come in to any branch. If you’ve already responded, thank you. All responses that have been received will be automatically entered into our iPad^® drawing.

Hurry, don’t miss your chance to respond and Win!*

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:

1. We have our standard overdraft privilege that comes with your account.
2. We also have an overdraft line-of-credit loan which you can apply for, and which may cost less than our standard overdraft privilege. To learn more, ask us about these plans.

This notice explains our standard overdraft practices.

What are the standard overdraft practices that come with my account? We do authorize and pay overdrafts for the following types of transactions:

• Checks and other transactions made using your checking account number
• Automatic bill payments

Effective August 15, 2010, we will not authorize and pay overdrafts for the following types of transactions unless you authorize us to:

• Debit card transactions
• ATM transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if Co-op Services Credit Union pays my overdraft?
Under our standard overdraft practices:

• We will charge you a fee of up to $30 each time we pay an overdraft.
• There is no limit on the total fees we can charge you for overdrawing your account.

What if l want Co-op Services Credit Union to authorize and pay overdrafts on my debit and ATM card transactions?

If you want us to authorize and pay overdrafts on debit and ATM card transactions, just complete the form below and return by mail in the enclosed postage paid envelope. You may also fax the form to us at 734.466.6152, or drop it off at any of our full-service branch locations.

*All members who respond (as Want or Do Not Want) as of August 15, 2010, will receive an entry into the Sweepstakes for a free iPad (16GB, WiFi only model). One entry per Co-op Services member. No purchase necessary to enter or win. To enter, anyone can send a 3x5 card containing their name, address, phone and age to Co-op Services Credit Union, Attn: Marketing, 29550 Five Mile Road, Livonia, MI 48154. Mailed entries must be postmarked by August 15, 2010. The winning entry will be notified by August 31, 2010. iPad is a registered trademark of Apple Computer, Inc. All rights reserved. Apple is not a participant or sponsor of this promotion.