Common use of Electronic Re-presented Checks Clause in Contracts

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 funds transfer subject to the terms of your Electronic Funds Transfer Agreement. 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 recredited due to a prior stop payment order if the item is otherwise ineligible for collection. Account Rates and Fees The Credit Union’s payment of dividends or interest on any account is subject to the account rates and fees, earnings, 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 the Credit Union may impose fees and charges for the deposit account services provided by the Credit Union. You agree that the Current Fee Schedule may change from time to 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 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, the payee 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 funds transfer service subject to the terms of your Electronic Funds Transfer this Agreement. 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 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 recredited re-credited due to a prior stop stop-payment order order, or if the item is otherwise ineligible for collection. Account Rates ATM CARD TRANSACTIONS ATM Transactions: You may use your One Nevada Debit Card and Fees The PIN at Credit Union’s payment Union ATMs and other machines we may designate. You may use your card to make the followingaccount transactions: Limits: You may make an unlimited number of dividends or interest on any account is subject to the account rates withdrawals at Credit Union ATMs and feesnonproprietary ATMs. However, earnings, payment and balance requirements we may charge a fee as set forth on in the RateFee Schedule. If you have sufficient account funds, the Current Fee Schedule and you may withdraw up to your daily limit at any authorized ATM, subject to limits placed by each Certificate Receipt, which are incorporated herein by this referenceindividual ATM. You agree may transfer between your savings or checking accounts up to the Credit Union may impose fees and charges for Available Balance in your accounts at the deposit account services provided by time of the Credit Uniontransfer 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 agree 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 Current Fee Schedule statement available, you may change not get back any money you lost after the 60 days if we can prove that we could have stopped someone from time to time and 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 be notified extend the timeframe. Notice of such changes as required by lawATM Facility User Precaution: As with all financial transactions, please exercise discretion when using an ATM. Certificate Accounts Any certificate offered by For your own safety, please review 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 which is incorporated herein by reference. Transaction Limitationsfollowing suggestions: DEBIT CARD SERVICES

Electronic Re-presented Checks. If you write a check on your an 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 funds transfer (EFT) subject to the terms of your Business Electronic Funds Transfer 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 xxxx payments. If you ask us to request the depositor’s bank financial institution 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 recredited re-credited due to a prior stop payment order or if the item is otherwise ineligible for collection. d. ACH & Domestic Wire Transfers. Account Rates and Fees The Credit Union’s payment of dividends You may initiate or interest on any receive credits or debits to your account is subject to the account rates and fees, earnings, payment and balance requirements as set forth on the Rate, the Current Fee Schedule and each Certificate Receipt, which are incorporated herein by this referencevia wire transfer or ACH ("Automated Clearing House") transfer. You agree that if you receive funds by a domestic 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 impose fees and charges provisionally credit your account for an ACH transfer before it receives final settlement for the deposit account services provided by 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. You agree that When you initiate a wire transfer, you may identify either the Current Fee Schedule recipient or any financial institution by name and by account or identifying number. The Credit Union (and other institutions) may change from time to time and rely on the account or other identifying number you will be notified of such changes give as required the proper identification number, even if it identifies a different party or institution. Domestic wire transfers are governed by lawFederal Reserve Regulation J if the transfer is cleared through the Federal Reserve. Certificate Accounts Any certificate offered ACH transactions are governed by the Credit Union, is subject to rules of the terms of this Agreement and the specific terms and disclosures set forth on the deposit receipt for each account which is incorporated herein by reference. Transaction LimitationsNational Automated Clearing House Association.