Account Balance Information. Some of the services available through Online Banking (which includes Mobile Banking) provide you with balance and other account information. Since certain information and transactions are not processed by us until after the close of the Bank’s business day, some transactions may not be reflected in the system until the Bank’s next business day. Posted items may be reversed due to insufficient funds, stop payment orders, legal process, and other reasons. Certain balances also may not be subject to immediate withdrawal. We are not responsible for such differences, whether or not attributable to your use of the Online Banking. We assume no responsibility for any loss arising from incomplete information or for any temporary interruption in our information system. Additionally, you agree that neither we nor our service providers will be liable for any errors or delays in the content, or for any actions taken in reliance thereon. If you are unable to access our system for any reason, you can contact the branch where you opened your account for loan and deposit information.
Account Balance Information. Any additions to the principal amount of the delinquent account receivable are done solely at the discretion of the Client, in accordance with paragraph 7 of this Agreement. Client represents and warrants that should it decide to add collection costs, interest or other charges to the account balance, that it has reviewed its agreements with its borrowers, sought the advice of an Attorney as to the terms of the Client’s agreements with its borrowers, and state and federal law related to the assessment of additional costs or interest. Should Client decide to add collection costs, interest or other charges to its accounts prior to placement with Agency, Client shall provide at the time of placement an itemization of principal, each addition, interest rates and dates, and any other information necessary to accurately communicate the amount of the delinquent account receivable to the borrower. Client will update its account receivable records to reflect such additional amounts. Client will immediately advise Agency of any changes to the accounts in writing. Client understands that the assessment of the additional amounts discussed in this paragraph without a written agreement to do so, is prohibited in some states. Client shall indemnify and hold Agency harmless for any damages Agency incurs as a result of Client’s decision and instruction to collect any of the additional amounts discussed in this paragraph.
Account Balance Information. Balances may include deposits subject to verification by us. Balances may differ from your records due to deposits in process, outstanding checks or other withdrawals, payments or charges. We have the right to cancel transactions if sufficient funds are not available in your account. If a hold has been placed on deposits made to an account from which you wish to transfer funds, you cannot transfer the portion of the funds held until the hold expires.
Account Balance Information. As of January 31, 2007, the Accounts had the following balances: Receivables Percentage Percentage of Outstanding of Total Number of Total ($000's) Receivables Accounts Accounts Credit Balance $ (39,746 ) (0.1 )% 541,197 1.6 % No Balance $ — 0.0 % 20,939,204 60.2 % $0.01 to $5,000.00 $ 14,420,738 39.3 % 10,667,943 30.6 % $5,000.01 to $10,000.00. $ 14,368,569 39.1 % 2,026,975 5.8 % $10,000.01 to $15,000.00 $ 6,806,806 18.6 % 571,936 1.6 % Over $15,000.00 $ 1,150,496 3.1 % 66,158 0.2 % Total $ 36,706,863 100.0 % 34,813,413 100.0 % The average account balance as of January 31, 2007 was $2,443 (using 15,023,009 active Accounts for which cardmembers had a balance, a monetary transaction or an authorization within the past month). Seasoning. As of January 31, 2007, 95.0% of the Accounts were at least 24 months old. The ages of the Accounts as of January 31, 2007 were distributed as follows: Percentage of Percentage of Age of Accounts Total Accounts Total Receivables Less than 12 Months 2.1 % 4.9 % 12 to 23 Months 2.9 % 3.9 % 24 to 35 Months 3.3 % 3.3 % 36 to 47 Months 3.3 % 3.2 % 48 to 59 Months 5.2 % 5.4 % 60 Months and Greater 83.2 % 79.3 % Total 100.0 % 100.0 % Delinquency Information. The Accounts in the trust have had the following delinquency statuses: As of January 31, 2007 As of December 31, 2006 As of December 31, 2005 Receivables Percentage of Receivables Percentage of Receivables Percentage of Outstanding Total Outstanding Total Outstanding Total ($000's) Receivables ($000's) Receivables ($000's) Receivables Total Receivables $ 36,706,863 100.00 % $ 34,888,235 100.00 % $ 33,961,825 100.00 % Receivables Delinquent: 30 to 59 Days $ 386,714 1.05 % $ 369,695 1.06 % $ 391,941 1.15 % 60 to 89 Days $ 275,920 0.75 % $ 268,684 0.77 % $ 258,519 0.76 % 90 to 119 Days $ 232,844 0.64 % $ 228,263 0.65 % $ 207,787 0.61 % 120 to 149 Days $ 214,912 0.59 % $ 194,385 0.56 % $ 176,535 0.52 % 150 to 179 Days $ 191,492 0.52 % $ 172,886 0.50 % $ 165,133 0.49 % Over 180 Days $ — 0.00 % $ — 0.00 % $ — 0.00 % Total Delinquent $ 1,301,882 3.55 % $ 1,233,913 3.54 % $ 1,199,915 3.53 % As of December 31, 2004 As of December 31, 2003 Receivables Percentage of Receivables Percentage of Outstanding Total Outstanding Total ($000's) Receivables ($000's) Receivables Total Receivables $ 35,519,347 100.00 % $ 35,323,197 100.00 % Receivables Delinquent: 30 to 59 Days $ 493,062 1.39 % $ 699,204 1.98 % 60 to 89 Days $ 350,431 0.99 % $ 475,025 1.34 % 90 to 119 Days $ 302,349 0.85 % $ 388,064 ...
