Our bank offers a courtesy overdraft product which allows customers to opt-in to overdraft coverage for one-time ATM and debit card transactions. For others of you who offer this program, how do you handle providing the required Reg E opt-in model form disclosures to customers who call into the contact center/branch to opt into the debit card coverage? We have an opt in/out feature on our website, but lots of customers prefer to handle via phone vs the website. We are struggling with the best process (and way to document) for providing the form and accepting the customer's opt in request when the customer only wants to communicate with us via phone.