Common use of Failed or Returned Transactions Clause in Contracts

Failed or Returned Transactions. When you use a P2P Service or the External Transfer Service to send payments or transfers from your Eligible Account, you are requesting us to debit your Eligible Account in order to complete the transaction. If the transaction cannot be completed for any reason associated with your Eligible Account (for example, there are insufficient available funds in your Eligible Account to cover the transaction, or the transaction would exceed the amount available for an overdraft protection transfer (if applicable)), the transaction may or may not be completed. In certain circumstances, we may advance funds to complete a transaction, and in such circumstances we will attempt to debit your Eligible Account a second time to recover funds for the completed transaction. In some instances, you will receive a return notice from us. In each such case you agree that: (i) You will reimburse us or our service provider immediately upon demand the amount of the transaction if the payment or transfer has been delivered but there are insufficient funds in your Eligible Account, or an insufficient available balance in your overdraft protection account (if applicable), to allow us to complete the debit processing; (ii) We may make repeated attempts in our discretion to debit your Eligible Account for the amount of any payment or transfer that we complete on your behalf, including, but not limited to, debit by ACH transaction; (iii) If we complete a payment or transfer on your behalf and you do not have sufficient funds in your Eligible Account to cover such transaction, we may assess our standard paid overdraft item fee, as in effect and disclosed in our pricing schedules at such time, against your Eligible Account, whether or not we overdraw your Eligible Account, and/or we may cancel, suspend, or limit your use of the P2P Service, the External Transfer Service and/or your Eligible Account without notice, and/or exercise any other rights or remedies available to us;

Failed or Returned Transactions. When you use a P2P Service If we or the External Transfer Service to send payments or transfers from your Eligible Account, you are requesting us to debit your Eligible Account in order BPSP is unable to complete the transaction. If the transaction cannot be completed for any reason associated with your Eligible Payment Account (for example, there are insufficient available funds in your Eligible Payment Account to cover the transaction, or the transaction would exceed the amount available for an overdraft protection transfer (if applicable)), the transaction may or may will not be completed. In certain circumstances, we may advance funds to complete a transaction, and in such circumstances we will attempt to debit your Eligible Account a second time to recover funds for the completed transaction. In some instances, you will receive a return notice from usthe BPSP. In each such case case, you agree that: (i) : • You will reimburse us or our service provider the Bank immediately upon demand the transaction amount that has been returned to the Bank; • You will reimburse the Bank for any fees imposed by your financial institution as a result of the return; • You will reimburse the Bank for any fees it incurs in attempting to collect the amount of the transaction return from you; and, • The Bank is authorized to report the facts concerning the return to any credit reporting agency. The Bank or BPSP reserves the right to refuse to pay any Payee to whom you may direct a payment. The Bank or BPSP will notify you promptly if it decides to refuse to pay a Payee designated by you. This notification is not required if you attempt to make a payment the payment Bank or transfer has been delivered but there are insufficient funds in your Eligible AccountBSBP deems prohibited under applicable law. In using the OBP Services, you understand that Payees and/or the United States Postal Service may return payments to the BPSP or an insufficient available balance in your overdraft protection account (if applicable), to allow us to complete the debit processing; (ii) We may make repeated attempts in our discretion to debit your Eligible Account Bank for the amount of any payment or transfer that we complete on your behalf, includingvarious reasons such as, but not limited to, debit by ACH transactionXxxxx's forwarding address expired; (iii) If we complete a Payee account number is not valid; Payee is unable to locate account; or Payee account is paid in full. The Bank and BPSP will use our best efforts to research and correct the returned payment or transfer on and return it to your behalf and you do not have sufficient funds in your Eligible Account to cover such transaction, we may assess our standard paid overdraft item fee, as in effect and disclosed in our pricing schedules at such time, against your Eligible Account, whether or not we overdraw your Eligible Account, and/or we may cancel, suspendPayee, or limit void the payment and credit your use of Payment Account. You may receive notification from us or the P2P Service, the External Transfer Service and/or your Eligible Account without notice, and/or exercise any other rights or remedies available to us;BPSP.

Failed or Returned Transactions. When you use a P2P Service or In using the External Transfer Service to send payments or transfers from your Eligible AccountService, you are requesting us that we or our Service Provider attempt to debit make payments for you from your Eligible Account in order to complete the transactionTransaction Account. If the transaction Payment Instruction cannot be completed for any reason associated with your Eligible Transaction Account (for example, there are insufficient available funds in your Eligible Transaction Account to cover the transaction, or the transaction would exceed the amount available for an overdraft protection transfer (if applicable)payment), the transaction Payment Instruction may or may not be completed. In certain circumstances, we our Service Provider may either advance funds to complete a transactiondrawn on their corporate account or via an electronic debit, and in such circumstances we will attempt to debit your the Eligible Transaction Account a second time to recover funds for complete the completed transactionPayment Instruction. In some instances, you will receive a return notice from usus or our Service Provider. In each such case case, you agree that: (i) 1. You will reimburse us or our service provider Service Provider immediately upon demand the amount of the transaction Payment Instruction if the payment or transfer has been delivered but and there are insufficient funds in, or insufficient overdraft credits associated with, your Eligible Transaction Account to allow the debit processing to be completed; 2. You may be assessed a late fee equal to one and a half percent (1.5%) of any unpaid amounts plus costs of collection by our Service Provider or their third-party contractor if the Payment Instruction cannot be debited because you have insufficient funds in your Eligible Transaction Account, or an insufficient available balance the transaction would exceed the credit or overdraft protection limit of your Eligible Transaction Account, to cover the payment, or if the funds cannot otherwise be collected from you. The aforesaid amounts will be charged in addition to any NSF charges that may be assessed by us, as set forth in your overdraft protection fee schedule from us (including as disclosed on the Site) or your account (if applicable)agreement with us. You hereby authorize us and our Service Provider to deduct all of these amounts from your designated Eligible Transaction Account, to allow us to complete the debit processing; (ii) We may make repeated attempts in our discretion to debit your Eligible Account for the amount of any payment or transfer that we complete on your behalf, including, but not limited to, debit including by ACH transactiondebit; (iii) If we complete a payment or transfer on your behalf and you do not have sufficient funds in your Eligible Account and, 3. Service Provider is authorized to cover such transaction, we may assess our standard paid overdraft item fee, as in effect and disclosed in our pricing schedules at such time, against your Eligible Account, whether or not we overdraw your Eligible Account, and/or we may cancel, suspend, or limit your use of report the P2P Service, facts concerning the External Transfer Service and/or your Eligible Account without notice, and/or exercise return to any other rights or remedies available to us;credit reporting agency.

Failed or Returned Transactions. When you use a P2P Service If we or the External Transfer Service to send payments or transfers from your Eligible Account, you are requesting us to debit your Eligible Account in order BPSP is unable to complete the transaction. If the transaction cannot be completed for any reason associated with your Eligible Payment Account (for example, there are insufficient available funds in your Eligible Payment Account to cover the transaction, or the transaction would exceed the amount available for an overdraft protection transfer (if applicable)), the transaction may or may will not be completed. In certain circumstances, we may advance funds to complete a transaction, and in such circumstances we will attempt to debit your Eligible Account a second time to recover funds for the completed transaction. In some instances, you will receive a return notice from usthe BPSP. In each such case case, you agree that: (i) : • You will reimburse us or our service provider the Bank immediately upon demand the transaction amount that has been returned to the Bank; • You will reimburse the Bank for any fees imposed by your financial institution as a result of the return; • You will reimburse the Bank for any fees it incurs in attempting to collect the amount of the transaction return from you; and, • The Bank is authorized to report the facts concerning the return to any credit reporting agency. The Bank or BPSP reserves the right to refuse to pay any Payee to whom you may direct a payment. The Bank or BPSP will notify you promptly if it decides to refuse to pay a Payee designated by you. This notification is not required if you attempt to make a payment the Bank or BSBP deems prohibited under applicable law. In using the OBP Services, you understand that Payees and/or the United States Postal Service may return payments to the BPSP or Bank for various reasons such as, but not limited to, Payee's forwarding address expired; Payee account number is not valid; Payee is unable to locate account; or Payee account is paid in full. The Bank and BPSP will use our best efforts to research and correct the returned payment and return it to your Payee, or void the payment and credit your Payment Account. You may receive notification from us or the BPSP. You acknowledge that Bank may employ the services of a third-party provider to debit and credit entries to your eligible bank account(s) when you instruct us to electronically transfer funds to or from your eligible Bank account(s) and other eligible account(s) held by you at another financial institution(s), credit union(s), or brokerage companies (the “Other Financial Institutions”) in the United States (“Bank to Bank Transfers”). Use of Bank to Bank Transfers will also be affected by the agreements between you and the Bank for your accounts maintained with the Bank, including, but not limited to the Bank’s deposit agreement(s) and related disclosures. Using Bank to Bank Transfers does not change the agreements you already have with the Bank on those accounts. You should review those agreements for any applicable fees, for limitations on the number of transfers you can make, and for other restrictions that might impact your use of an account with Bank to Bank Transfers. When you elect to use Bank to Bank Transfers, you represent that you have full authorization from any other authorized signer on the eligible Bank or Other Financial Institution(s) account(s) to execute this authorization and that any other authorized signer on the eligible account(s) agrees and understands that the Bank, and any of our processing agents, are authorized to debit and credit entries to the eligible account(s) in accordance with your transfer instruction(s) under Bank to Bank Transfers. The following represents the types of accounts that are eligible for Bank to Bank Transfers: • Consumer checking, savings, and money market accounts; • Consumer checking, savings, money market, investment and brokerage accounts held at any Other Financial Institution in the United States able to accept ACH transfers. The following represents the types of accounts that are ineligible for Bank to Bank Transfers: • Individual Retirement Accounts ("IRAs"); • 401K accounts; • Custodial accounts, including but not limited to conservatorship, power of attorney, representative payee and/or trust accounts; • Business accounts • Certificate of Deposits ("CD's") or other time based accounts; • Loan accounts (including credit card and equity accounts); You may have other accounts that are ineligible for Bank to Bank Transfers due to restrictions by the Bank or specific to your Other Financial Institution(s). Please contact us or your Other Financial Institution(s) to verify if your accounts are eligible for this Service. The Bank may verify any account you add to Bank to Bank Transfers, and you authorize the Bank to validate the account(s) at your Other Financial Institution(s) using a trial deposit method. This method requires that two micro deposits are made to your external account and requests that you confirm the amounts deposited. You must confirm the amount by typing in the values of the deposits provided for on the Bank’s online banking system. If the entered values match the trial deposit amounts, the account will be approved. You understand and agree that at all times your relationship with each non-Bank account(s) provider is independent of the Bank and your use of Bank to Bank Transfers. The Bank will not be responsible for any acts or omissions by the Other Financial Institution(s) or other provider(s) of any Account(s), including without limitation any modification, interruption or discontinuance of any Account(s) by such provider. Links to or use of other internet sites are at your own risk. The content, accuracy, opinions expressed at or contained in such sites are not verified, monitored, investigated, or endorsed by the Bank. You agree that the Bank shall not be liable for any costs, fees, losses or damages of any kind incurred as a result of: • Any inaccuracy, incompleteness or misinformation contained in information retrieved from the Other Financial Institution(s) or any third party account provider; and • Any charge imposed by the provider of any third party account. Bank to Bank Transfers originated on each and any business day are limited in the following manner: • Maximum of two inbound (credit) and two outbound (debit) transfers; and • Maximum of $5,000 outbound (debit) and $5,000 inbound (credit) in aggregate transfers. The cut off time to initiate a Bank to Bank Transfer is 2:30 P.M. Central Time. Your account will be debited and credited on the Business Day after you initiate the transfer. You recognize that it may take an additional business day for your Bank to Bank Transfer to be reflected in your account balance of the destination account depending upon the Other Financial Institution’s processing rules and cut off times. We reserve the right to limit the types and number of accounts eligible for Bank to Bank Transfers, including the right to refuse to make any transactions you request. In addition to the limitations elsewhere described in this Agreement, there are frequency limits that apply when transferring funds from a savings or a money market account. Federal regulations limit the number of preauthorized electronic fund transfers and telephone transfers, including transfers you request using the Service, from these types of accounts. You may make a maximum of six transfers and withdrawals, or a combination of such transfers and withdrawals, per calendar month or statement cycle (or similar period) of at least four weeks, to another account (including a transaction account) of yours at the Bank or to a third party by means of a preauthorized or automatic transfer, or telephonic (including data transmission) agreement, order or instruction, or by check, draft, debit card, or similar order made by the depositor and payable to third parties. If you exceed these limits, we may close the account, impose a fee and/or change the account to a non-interest bearing demand deposit account and/or close the account. Each transfer or payment you request through Bank to Bank Transfers from these types of accounts is counted as one of the six limited transfers you are permitted each monthly cycle. However, payments to your loans at the Bank are not counted toward this limit. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited. If a hold has been delivered but there are insufficient placed on deposits made to an account from which you wish to transfer funds, you cannot transfer the portion of the funds in being held until the hold expires. You may cancel your Eligible Account, Bank to Bank Transfer request any time prior to the cut off time on the day you submit the request by logging into the Bank’s online banking system and cancelling the request. Future dated or an insufficient available balance in recurring transactions may be cancelled prior to the cut off time on the business day before the settlement or next settlement date of the transaction by logging into the Bank’s online banking system and cancelling the request. A Bank to Bank Transfer will be returned if it cannot be successfully posted to your overdraft protection account (if applicable), to allow us to complete the debit processing; (ii) We may make repeated attempts in our discretion to debit your Eligible Account for the amount of any payment or transfer that we complete on your behalfaccounts, including, but not limited to, debit by ACH transaction: • An incorrect entered account or ABA number; (iii) If we complete a payment or transfer on your behalf and you do not have sufficient • Insufficient available funds in your Eligible Account the account to cover such be debited and/or credited; • Insufficient minimum available balance; • Exceeding the dollar limit for an individual transaction, daily transfer limit, monthly transfer limit, or pending transfers that have not yet been posted. Any transfers we have already processed before the cancellation date will be completed. It is your responsibility to monitor the status of your Bank to Bank Transfer requests and for ensuring your transactions have been accurately entered and processed as requested. Any account owner with access to the Bank’s online banking system may sign up for Bank to Bank Transfers and request to link any eligible account(s). As applicable, the terms of this Agreement will extend to all joint account owners. Joint owners are subject to the joint tenancy rules contained in your account agreement(s) with the Bank. In the event that the Bank experiences a problem with your use of Bank to Bank Transfers at any time, including without limitation, the inability to debit any of your Account(s) or to collect with respect to any of your transfers as described above, and without limiting any other right or remedy that we may assess our standard paid overdraft item feehave under this Agreement or otherwise, as we reserve the right to suspend your right to use the Bank to Bank Transfers, immediately and without prior notice to you. You understand and agree that such action is reasonable for the Bank to take in effect and disclosed order to protect the Bank from loss. In the event of such suspension, you may request reinstatement of your Service by contacting the Bank in writing. The Bank reserves the right in our pricing schedules at such time, against your Eligible Account, whether sole discretion to grant or not we overdraw your Eligible Account, and/or we may cancel, suspend, or limit deny reinstatement of your use of the P2P ServiceBank to Bank Transfers. In the event the Bank agrees to reinstate you, the External Transfer Service Bank reserves the right to, and ordinarily will, reinstate Bank to Bank Transfers in accordance with appropriate per transaction and monthly dollar limits and/or with other restrictions that otherwise might be available to you. Based upon your Eligible Account without noticesubsequent usage of Bank to Bank Transfers, and/or exercise the Bank, in its sole discretion, may thereafter restore your ability to affect transfers subject to such higher limits as may then be in effect. Your authorization to enable Bank to Bank Transfers for your account(s) remains in full force and effect until the Bank has received notice from you of its termination by performing one of the following: • Send the Bank a secure message within Online Banking; or • Call or visit any branch. Any transfers we have already processed before the cancellation date will be completed. The Bank recommends that you cancel any scheduled transfers prior to notifying the Bank that you are cancelling the Service. You are responsible for any transfers scheduled by you prior to termination that you have not canceled. Termination will not affect your liability or obligations under this Agreement or any other rights or remedies available to us;related agreements for transfers the Bank processed on your behalf.

Failed or Returned Transactions. When you use a P2P Service or In using the External Transfer Service to send payments or transfers from your Eligible AccountService, you are requesting us to debit attempt to make payments for you from your Eligible Account in order Transaction Account. If we are unable to complete the transaction. If the payment transaction cannot be completed for any reason associated with your Eligible Transaction Account (for example, there are insufficient available funds in your Eligible Account to cover the transactionTransaction Account, or the payment transaction would exceed the amount available for an credit or overdraft protection transfer (if applicable)limit of your Eligible Transaction Account, to cover the payment transaction), the payment transaction may or may not be completed. In certain circumstances, we may advance funds to complete a transaction, and in such circumstances we will attempt to debit your Eligible Account a second time to recover funds for the completed transaction. In some instances, you will receive a return notice from us. In each such case case, you agree that: (i) a. You will reimburse us or our service provider immediately upon demand the amount of the payment transaction if we have delivered the payment or transfer has been delivered to the Receiver but there are insufficient funds in in, or insufficient overdraft credits associated with, your Eligible Account, or an insufficient available balance in your overdraft protection account (if applicable), Transaction Account to allow us to complete the debit processing; b. For any amount not reimbursed to us within fifteen (ii15) We days of the initial notification, a late charge equal to one and a half percent (1.5%) monthly interest or the legal maximum, whichever rate is lower, for any unpaid amounts may make repeated attempts in be imposed; c. You may be assessed a fee by our discretion to debit your Eligible Account for service provider and by us if the amount of any payment or transfer that we complete on your behalf, including, but transaction cannot limited to, debit by ACH transaction; (iii) If we complete a payment or transfer on your behalf and be debited because you do not have sufficient insufficient funds in your Eligible Account Transaction Account, or the transaction would exceed the credit or overdraft protection limit of your Eligible Transaction Account, to cover such transactionthe requested transfer, or if we may assess our standard paid overdraft item fee, cannot otherwise collect the funds from you; the fee amount will be as set forth in effect and disclosed in our pricing schedules at such time, against your fee schedule from us or your account agreement with us. You hereby authorize us to deduct these amounts from your designated Eligible Transaction Account, whether by ACH debit; d. You will reimburse us for any fees or not costs we overdraw your Eligible Account, and/or we may cancel, suspend, or limit your use of incur in attempting to collect any amounts from you; and e. We are authorized to report the P2P Service, facts concerning the External Transfer Service and/or your Eligible Account without notice, and/or exercise return to any other rights or remedies available to us;credit reporting agency.

Failed or Returned Transactions. When you use We will not be obligated to make a P2P Service payment unless your Payment Account has sufficient available funds to pay the bill on the close of business on the day prior to the pay date for which payments will be debited, or if a check payment-funds remitted to the External Transfer Service to send payments or transfers Xxxxxx are deducted from your Eligible Payment Account when the check is presented to us for payment, except we reserve the right at our sole discretion and without establishing an agreement to so treat future situations, to create an overdraft on the account, pay the payment and charge an overdraft fee. Payment requests that are not paid due to insufficient withdrawable funds shall be subject to an NSF notice fee. Overdraft protection transfers for the Bill Payment Service are limited to $2,000.00 per day. We also will not be liable if there are insufficient available funds or credit availability in your Payment Account; if a legal order directs us to prohibit withdrawals from the Payment Account; if the Payment Account is closed or frozen; or if any part of the electronic funds transfer system is not working properly. In using the Bill Payment Service, you are requesting us to debit make payments for you from your Eligible Account in order Payment Account. If we are unable to complete the transaction. If the transaction cannot be completed for any reason associated with your Eligible Payment Account (for example, there are insufficient available funds in your Eligible Payment Account to cover the transaction, or the transaction would exceed the amount available for an overdraft protection transfer (if applicable)), the transaction may or may will not be completed. In certain circumstances, we may advance funds to complete a transaction, and in such circumstances we will attempt to debit your Eligible Account a second time to recover funds for the completed transaction. In some instances, you will receive a return notice from us. In each such case case, you agree that: (i) 1. You will reimburse us or our service provider immediately upon demand the transaction amount that has been returned to us; 2. For any amount not reimbursed to us within fifteen (15) days of the initial notification, a late charge equal to 1.5% monthly interest or the legal maximum, whichever rate is lower, for any unpaid amounts may be imposed; 3. You will reimburse us for any fees imposed by your financial institution as a result of the return; 4. You will reimburse us for any fees we incur in attempting to collect the amount of the transaction if return from you; and, 5. We are authorized to report the payment or transfer has been delivered but there are insufficient funds in your Eligible Account, or an insufficient available balance in your overdraft protection account (if applicable), facts concerning the return to allow us to complete the debit processing; (ii) We may make repeated attempts in our discretion to debit your Eligible Account for the amount of any payment or transfer that we complete on your behalf, including, but not limited to, debit by ACH transaction; (iii) If we complete a payment or transfer on your behalf and you do not have sufficient funds in your Eligible Account to cover such transaction, we may assess our standard paid overdraft item fee, as in effect and disclosed in our pricing schedules at such time, against your Eligible Account, whether or not we overdraw your Eligible Account, and/or we may cancel, suspend, or limit your use of the P2P Service, the External Transfer Service and/or your Eligible Account without notice, and/or exercise any other rights or remedies available to us;credit reporting agency.

Failed or Returned Transactions. When you use a P2P Service or the External Transfer Service to send payments or transfers from your Eligible Account, you are requesting us to debit your Eligible Account in order to complete the transaction. If the transaction cannot be completed for any reason associated with your Eligible Account (for example, there are insufficient available funds in your Eligible Account to cover the transaction, or the transaction would exceed the amount available for an overdraft protection transfer (if applicable)), the transaction may or may not be completed. In certain circumstances, we may advance funds to complete a transaction, and in such circumstances we will attempt to debit your Eligible Account a second time to recover funds for the completed transaction. In some instances, you will receive a return notice from us. In each such case you agree that: (i) You will reimburse us or our service provider immediately upon demand the amount of the transaction if the payment or transfer has been delivered but there are insufficient funds in your Eligible Account, or an insufficient available balance in your overdraft protection account (if applicable), to allow us to complete the debit processing; (ii) We may make repeated attempts in our discretion to debit your Eligible Account for the amount of any payment or transfer that we complete on your behalf, including, but not limited to, debit by ACH transaction; ; (iii) If we complete a payment or transfer on your behalf and you do not have sufficient funds in your Eligible Account to cover such transaction, we may assess our standard paid overdraft item fee, as in effect and disclosed in our pricing schedules at such time, against your Eligible Account, whether or not we overdraw your Eligible Account, and/or we may cancel, suspend, or limit your use of the P2P Service, the External Transfer Service and/or your Eligible Account without notice, and/or exercise any other rights or remedies available to us; (iv) You will reimburse us for any fees or costs we incur in attempting to collect any amounts from you, including the costs of using a third party collections contractor, to the fullest extent allowed by law; and (v) We are authorized to report the facts concerning the matter to any credit reporting agency.

Failed or Returned Transactions. When you use a P2P Service or In using the External Transfer Service to send payments or transfers from your Eligible AccountService, you are requesting us to debit make payments for you from your Eligible Account in order Payment Account. If we are unable to complete the transaction. If withdrawal from your Payment Account or your Eligible Transaction Account, as the transaction cannot be completed case may be, for any reason associated with your Eligible Account (for example, there are insufficient available funds in your Payment Account or Eligible Transaction Account to cover the transaction, or the transaction would exceed the amount available for an credit or overdraft protection transfer (if applicable)limit of your Payment Account or Eligible Transaction Account), the transaction may or payment may not be completed. In certain circumstances, we may advance funds to complete a transaction, and in such circumstances we will attempt to debit your Eligible Account a second time to recover funds for the completed transactionmade. In some instances, you will receive a return notice from us. In each such case case, you agree that: (i) You : • you will reimburse us or our service provider immediately upon demand the amount of for the transaction amount that has been returned to the Service; • you will reimburse us immediately upon demand for any transaction amount paid by the Service; • we may charge you an Insufficient Funds (Paid) fee in accordance with our Schedule of Fees and Charges available at com if the payment or transfer has been delivered but there are insufficient funds is paid; • we may charge you an Insufficient Funds (Returned) fee in your Eligible Account, or an insufficient accordance with our Schedule of Fees and Charges available balance at com if the payment is returned; • you will reimburse us for any fees we incur in your overdraft protection account (if applicable), attempting to allow us collect the transaction amount from you that was paid by the Service; • to complete recover the debit processing; (ii) We may make repeated attempts in our discretion to debit your Eligible Account for transaction amount paid by the amount of any payment or transfer that we complete on your behalf, including, but not limited to, debit by ACH transaction; (iii) If we complete a payment or transfer on your behalf and you do not have sufficient funds in your Eligible Account to cover such transactionService, we may assess our standard withdraw the transaction amount from any share accounts on which you are a primary or joint owner; • to recover the transaction amount paid overdraft item feeby the Service, as in effect and disclosed in our pricing schedules at such time, against your Eligible Account, whether or not we overdraw your Eligible Account, and/or we may canceldraw on the available balance on any line of credit accounts on which you are a primary or joint owner; • we may impose a late charge equal to 1.5% monthly interest or the legal maximum, suspendwhichever rate is lower, or limit your use for any amounts not reimbursed to us within fifteen (15) days of the P2P Service, initial demand; and • we are authorized to report the External Transfer Service and/or your Eligible Account without notice, and/or exercise facts concerning the failed or returned transaction to any other rights or remedies available to us;consumer credit reporting agency.