There are three principal arrangements that may be used to provide overdraft protection to a checking account holder: an automatic funds transfer agreement, an automatic overdraft loan agreement, and courtesy, or "opt-in," overdraft/bounce protection. How do they compare? The methods differ in theuses and costs used to remedy the insufficient funds situation. However, they are all similar in that each ismore expensive than the practice of good checking account management. Read each of the following statements, and indicate which overdraft protection arrangement is being described. This program automatically transfers funds as needed from the account holder's savings account into his or her checking account. This describes: . This program incurs a relatively lower cost since it utilizes the account holder's own funds and merely necessitates a transfer fee. This describes: . This program could still result in an overdraft if the account holder's savings account does not have sufficient funds to cover the overdraft. This describes