TRANSGUARD OVERDRAFT PROTECTION
Transguard is an overdraft protection service that gives you peace of mind if you miscalculate your balance.  Transguard Overdraft Protection automatically comes with these accounts: Value First- Checking Plus Personal Checking Account, First Foundation- Basic Business Checking Account, and First Bridge Commercial Checking Accounts. Transguard Overdraft Protection will cover up to $1,000 for "Personal" checking accounts and $500 for "Commercial" checking accounts. The service is activated 30 days after you open your account with no additional forms to sign assuming your account is in good standing.*  The benefits to having Transguard Overdraft Protection are:

• Gives you the security of having an overdrawn
  transaction covered
• Saves the embarrassment of having a check returned
• Saves both customer and merchant returned check fees
• Prevents merchants from banning your check writing
  privileges due to returned checks

*Some restrictions may apply.  
Please contact First Oklahoma Bank regarding the
Transguard Overdraft Protection allowance and condition terms.

The FDIC's Consumer Protection website offers,
at no charge to you, consumer financial literacy programs.
For more information please visit

http://www.fdic.gov/consumers/consumer/moneysmart/