I never got taught anything about overpotentials, but I did get an answer on another forum I posted this question on. Thanks for the help though!
In case anyone wants to know the answer was:
Since the Al is losing e-, the other electrode must have something gaining e-. Of the three substances in contact with the Pt (which is inert as you said), the only one that will gain e- is the O2. The 1/2 reaction that will occur there is
O2 + 4e- + 2H20 --> 4 OH-
Just find multiply the oxidation reaction by 4 and the reduction reaction by 3 to insure the # of e-'s gained and lost are the same and then add the two 1/2 reactions to get the net cell reaction.