Common use of Electronic Re-presented Checks Clause in Contracts

Electronic Re-presented Checks. If you write a check that we return unpaid because of insufficient or uncollected funds, payee or any subsequent holder of the check may re-present the check to us, through an electronic instruction (Electronic Re-presented Check) to charge your account for the amount of the check. If we receive an electronic re-presented check, we will pay or return the electronic re-presented check as if the original paper check was presented to us. Any collection fee you authorize the merchant to debit from your account is an Electronic Services subject to the terms of your Electronic Services Agreement. If you want to reverse an electronic re- presented check, you must give us an affidavit within 15 days after we send or make available to you the periodic statement that reflects payment of that electronic re-presented check. In your affidavit, you must declare and swear under oath that the electronic re- presented check was ineligible or unauthorized. If we receive proper notice or affidavit from you within the 15 day period, we will re- credit your account with the amount of the charge. If you wish to stop payment of any electronic re-presented check, you must follow the procedures contained in this Agreement for stopping payment of checks, not the procedures for stopping payment on electronic loan or bill payments. If you ask us to request the depositor's bank to send us the original paper check or a copy of the paper check, and we provide it to you, you agree that you will not seek to have your account re-credited due to a prior stop payment order or if the item is otherwise ineligible for collection. ACH & Domestic Wire Transfers. If offered, you may initiate or receive credits or debits to your account via wire transfer or ACH (Automated Clearing House) transfer. You agree that if you receive funds by a wire or ACH transfer, the Credit Union is not required to notify you at the time the funds are received. Instead, the transfer will be shown on your periodic statement. The Credit Union may provisionally credit your account for an ACH transfer before it receives final settlement for the transfer. You agree that if the Credit Union does not receive final settlement for a transfer, it may reverse the provisional credit to your account, or you will refund the amount to the Credit Union. When you initiate a wire transfer, you may identify either the recipient or any financial institution by name and by account number. The Credit Union (and other institutions) may rely on the account or other identifying number you give as the proper identification number, even if it identifies a different party or institution. Terms and conditions for international wire transfers will be provided at the time of the transfer transaction. Domestic wire transfers are governed by the Uniform Commercial Code Section 4A, and (if the transfer is cleared through the Federal Reserve) by Federal Reserve Regulation J. International wire transfers are governed by the Consumer Financial Protection Bureau Regulation E. ACH transactions are governed by the rules of the National Automated Clearing House Association. Under those rules, if you have revoked your authorization for previously authorized ACH transactions, the Credit Union will not be responsible for the unauthorized ACH debits to your account if you fail to notify us in writing within 15 days after we send, or make available to you, the statement containing that entry. You agree that the authorized transfer to or from your account must comply with all applicable federal and state laws or regulations including OFAC (Office of Foreign Asset Control) regulations.

Electronic Re-presented Checks. If you write a check on a personal account that we return unpaid because of insufficient or uncollected funds, payee or any subsequent holder of the check may re-present the check to us, through an electronic instruction (“Electronic Re-presented Check”) to charge your account for the amount of the check. If we receive an electronic re-presented check, we will pay or return the electronic re-presented check as if the original paper check was presented to us. Any collection fee you authorize the merchant to debit from your account is an Electronic Services electronic fund transfer subject to the terms of your the Electronic Services AgreementFund Transfer Agreement and Disclosure. If you want to reverse an electronic re- re-presented check, you must give us an affidavit a Written Statement of Unauthorized Debit (WS UD) form within 15 days after we send or make available to you the periodic statement that reflects payment of that electronic re-re- presented check. In your affidavit, you must declare and swear under oath that the electronic re- re-presented check was ineligible or unauthorized. If we receive a proper notice or affidavit Written Statement of Unauthorized Debit (WSUD) from you within the 15 15-day period, we will re- credit recredit your account with the amount of the charge. If you wish to stop payment of any electronic re-presented check, you must follow the procedures contained in this Agreement for stopping payment of checks, not the procedures for stopping payment on electronic loan or bill payments. If you ask us to request the depositor's ’s bank to send us the original paper check or a copy of the paper check, and we provide it to you, you agree that you will not seek to have your account re-credited recredited due to a prior stop payment order or if the item is otherwise ineligible for collection. ACH & Domestic Wire Transfers. If offered, you may initiate or receive credits or debits to your account via wire transfer or ACH (Automated Clearing House) transfer. You agree that if you receive funds by a wire or ACH transfer, the Credit Union is not required to notify you at the time the funds are received. Instead, the transfer will be shown on your periodic statement. The Credit Union may provisionally credit your account for an ACH transfer before it receives final settlement for the transfer. You agree that if the Credit Union does not receive final settlement for a transfer, it may reverse the provisional credit to your account, or you will refund the amount to the Credit Union. When you initiate a wire transfer, you may identify either the recipient or any financial institution by name and by account number. The Credit Union (and other institutions) may rely on the account or other identifying number you give as the proper identification number, even if it identifies a different party or institution. Terms and conditions for international wire transfers will be provided at the time of the transfer transaction. Domestic wire transfers are governed by the Uniform Commercial Code Section 4A, and (if the transfer is cleared through the Federal Reserve) by Federal Reserve Regulation J. International wire transfers are governed by the Consumer Financial Protection Bureau Regulation E. ACH transactions are governed by the rules of the National Automated Clearing House Association. Under those rules, if you have revoked your authorization for previously authorized ACH transactions, the Credit Union will not be responsible for the unauthorized ACH debits to your account if you fail to notify us in writing within 15 days after we send, or make available to you, the statement containing that entry. You agree that the authorized transfer to or from your account must comply with all applicable federal and state laws or regulations including OFAC (Office of Foreign Asset Control) regulations.

Electronic Re-presented Checks. If you write a check on your account that we return unpaid because of insufficient or uncollected funds, the payee or any subsequent holder of the check may re-present the check to us, through an electronic instruction (“Electronic Re-presented Check”) to charge your account for the amount of the check. If we receive an electronic re-presented check, we will pay or return the electronic re-presented check as if the original paper check was presented to us. Any collection fee you authorize the merchant to debit from your account is an Electronic Services electronic funds transfer subject to the terms of your Electronic Services Funds Transfer Agreement. If you want to reverse an electronic re- presented check, you must give us an affidavit within 15 days after we send or make available to you the periodic statement that reflects payment of that electronic re-presented check. In your affidavit, you must declare and swear under oath that the electronic re- presented check was ineligible or unauthorized. If we receive proper notice or affidavit from you within the 15 day period, we will re- credit your account with the amount of the charge. If you wish to stop payment of any electronic re-presented check, you must follow the procedures contained in this Agreement for stopping payment of checks, not the procedures for stopping payment on electronic loan or bill payments. If you ask us to request the depositor's ’s bank to send us the original paper check or a copy of the paper check, and we provide it to you, you agree that you will not seek to have your account re-credited recredited due to a prior stop payment order or if the item is otherwise ineligible for collection. ACH & Domestic Wire Transfers. If offeredAccount Rates and Fees The Credit Union’s payment of dividends or interest on any account is subject to the account rates and fees, you may initiate or receive credits or debits to your account via wire transfer or ACH (Automated Clearing House) transferearnings, payment and balance requirements as set forth on the Rate, the Current Fee Schedule and each Certificate Receipt, which are incorporated herein by this reference. You agree that if you receive funds by a wire or ACH transfer, the Credit Union is not required to notify you at the time the funds are received. Instead, the transfer will be shown on your periodic statement. The Credit Union may provisionally credit your account for an ACH transfer before it receives final settlement impose fees and charges for the transfer. You agree that if the Credit Union does not receive final settlement for a transfer, it may reverse the provisional credit to your account, or you will refund the amount to deposit account services provided by the Credit Union. When you initiate a wire transfer, you may identify either the recipient or any financial institution by name and by account number. The Credit Union (and other institutions) may rely on the account or other identifying number you give as the proper identification number, even if it identifies a different party or institution. Terms and conditions for international wire transfers will be provided at the time of the transfer transaction. Domestic wire transfers are governed by the Uniform Commercial Code Section 4A, and (if the transfer is cleared through the Federal Reserve) by Federal Reserve Regulation J. International wire transfers are governed by the Consumer Financial Protection Bureau Regulation E. ACH transactions are governed by the rules of the National Automated Clearing House Association. Under those rules, if you have revoked your authorization for previously authorized ACH transactions, the Credit Union will not be responsible for the unauthorized ACH debits to your account if you fail to notify us in writing within 15 days after we send, or make available to you, the statement containing that entry. You agree that the authorized transfer Current Fee Schedule may change from time to or from your time and you will be notified of such changes as required by law. Certificate Accounts Any certificate offered by the Credit Union, is subject to the terms of this Agreement and the specific terms and disclosures set forth on the deposit receipt for each account must comply with all applicable federal and state laws or regulations including OFAC (Office of Foreign Asset Control) regulations.which is incorporated herein by reference. Transaction Limitations

Electronic Re-presented Checks. If you write a check on your account that we return unpaid because of insufficient or uncollected funds, payee the payee, or any subsequent holder of the check check, may re-present the check to us, us through an electronic instruction (Electronic Re-“electronic re- presented Checkcheck”) to charge your account for the amount of the checkits amount. If we receive an electronic re-presented check, we will pay or return the electronic re-presented check as if we received the original paper check was presented to uscheck. Any collection fee you authorize the merchant to debit from your account is an Electronic Services electronic service subject to the terms of your Electronic Services this Agreement. If you want to reverse an electronic re- presented check, you must give us an affidavit within 15 days after we send or make available to you the periodic statement that reflects payment of that electronic re-presented check. In your affidavit, you must declare and swear under oath that the electronic re- presented check was ineligible or unauthorized. If we receive proper notice or affidavit from you within the 15 day period, we will re- credit your account with the amount of the charge. If you wish to stop payment of any electronic re-presented check, you must follow the procedures contained in this Agreement for stopping payment of checks, not the procedures for stopping payment on of electronic loan or bill payments. If you ask us to request the depositor's ’s bank to send us the original paper check or a copy of the paper check, and we provide it to you, you agree that you will not seek to have your account re-credited due to a prior stop stop-payment order order, or if the item is otherwise ineligible for collection. ACH & Domestic Wire TransfersATM CARD TRANSACTIONS ATM Transactions: You may use your One Nevada Debit Card and PIN at Credit Union ATMs and other machines we may designate. You may use your card to make the followingaccount transactions: • Withdraw cash from your savings or checking accounts. • Transfer funds between your savings or checking accounts. • Make account balance inquires. • Make loan payments from savings or checking accounts. • Make deposits to your savings or checking accounts • Some of these services may not be available at all terminals. We may place holds on deposits. Look in Digital Banking or call us at 000-000-0000 to determine your authorized limits. Limits: You may make an unlimited number of withdrawals at Credit Union ATMs and nonproprietary ATMs. However, we may charge a fee as set forth in the Fee Schedule. If offeredyou have sufficient account funds, you may initiate or receive credits or debits withdraw up to your account via wire transfer or ACH (Automated Clearing House) transferdaily limit at any authorized ATM, subject to limits placed by each individual ATM. You agree that if you receive funds by a wire may transfer between your savings or ACH transfer, the Credit Union is not required to notify you at the time the funds are received. Instead, the transfer will be shown on your periodic statement. The Credit Union may provisionally credit your account for an ACH transfer before it receives final settlement for the transfer. You agree that if the Credit Union does not receive final settlement for a transfer, it may reverse the provisional credit to your account, or you will refund the amount checking accounts up to the Credit Union. When you initiate a wire transfer, you may identify either the recipient or any financial institution by name and by account number. The Credit Union (and other institutions) may rely on the account or other identifying number you give as the proper identification number, even if it identifies a different party or institution. Terms and conditions for international wire transfers will be provided Available Balance in your accounts at the time of the transfer at available locations. Unauthorized ATM Transfers: Tell us AT ONCE if you believe your ATM card and/or PIN have been lost or stolen. You can call us at 800-388- 3000 or write us at 0000 X Xxxxxx Xx, Xxx Xxxxx, XX 00000. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within two (2) business days, you can lose no more than $50 if someone used your ATM card without your permission. If you do not tell us within two (2) business days after you learn of the loss or theft of your ATM card and/or PIN and we can prove we could have stopped someone from using your ATM card and/or PIN without your permission if you had told us, you could lose as much as $500. If your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after we made the statement available, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the timeframe. Notice of ATM Facility User Precaution: As with all financial transactions, please exercise discretion when using an ATM. For your own safety, please review the following suggestions: • Prepare for your transactions at home to minimize your time at the ATM. • Mark each transaction in your account record, but not while at the ATM. Always take your ATM receipts. Do not leave them at the ATM because they may contain important account information. • Compare your records with the account statements you receive. • Do not lend your ATM card to anyone. Note: If you give your card or PIN to another person, you are authorizing that person to use your card and any transactions made by them are considered authorized. • Do not leave your card or any documents at the ATM. • Protect the secrecy of your Personal Identification Number (PIN). Do not share your PIN with anyone or keep it where someone else can discover it. For example, do not keep your PIN in your wallet or purse or write it on your ATM card. • Prevent others from seeing you enter your PIN by using your body to shield their view. • If your ATM card is lost or stolen, promptly notify us. • When using an ATM, please be aware of your surroundings and look out for suspicious activity near the ATM, particularly if it is after sunset. At night, be sure that the facility (including the parking area and walkways) has adequate lighting. • Consider having someone accompany you when you use the facility after sunset. If you observe any problem, go to another ATM. • Do not accept assistance from anyone you do not know when using an ATM. • If you notice anything suspicious or if any other problem arises after you have begun an ATM transaction. Domestic wire transfers are governed by , you may want to cancel the Uniform Commercial Code Section 4Atransaction, pocket your card, and (if leave. You might consider using another ATM or coming back later. • Do not display your cash. Pocket it as soon as the transfer ATM transaction is cleared through complete and count the Federal Reserve) by Federal Reserve Regulation J. International wire transfers cash later when you are governed by in the Consumer Financial Protection Bureau Regulation E. ACH transactions are governed by the rules safety of your own car, home, or other secure surroundings. • At a drive-up facility, lock all car doors and ensure all of the National Automated Clearing House Associationwindows are up, except for the driver’s window. Under those rulesKeep the engine running and remain alert to your surroundings. • We want the ATM to be safe and convenient for you. Therefore, please tell us if you have revoked know of any problem with a facility. For instance, let us know if a light is not working or there is any damage to a facility. Please report any suspicious activity or crimes to both the operator of the facility and local law enforcement officials immediately. DEBIT CARD SERVICES You may use your authorization for previously authorized ACH transactionsDebit Card to buy goods and services at any participating merchants who honor it, including at POS terminals within the networks or such other POS terminals as the Credit Union may designate. The Credit Union will deduct funds to cover your card purchases from your checking account. If your Available Balance is not sufficient to pay the transaction amount, the Credit Union will not be responsible for may treat the unauthorized ACH debits transaction as an overdraft request pursuant to your our Overdraft Protection service. You may make unlimited POS debit card purchase transactions during a statement period. The Credit Union reserves the right, at our sole discretion, to refuse any transaction that would draw upon insufficient funds, lower an account if you fail to notify us in writing within 15 days after we sendbelow a required balance, or make otherwise require us to increase our required reserve on the account. The Credit Union may set other limits on the amount of any transaction or may refuse to honor any transaction for which you do not have sufficient available to you, the statement containing that entry. You agree that the authorized transfer to or from your account must comply with all applicable federal and state laws or regulations including OFAC (Office of Foreign Asset Control) regulationsfunds.