Common use of Non-Sufficient Funds and Overdrafts Clause in Contracts

Non-Sufficient Funds and Overdrafts. If your account lacks sufficient funds to pay a check, preauthorized transfer, or other debit activity presented for payment as determined by your available account balance, we may (1) return the item or (2) pay the item at our discretion. We may charge you fees if we return the debit or item or pay the debit or item on your behalf. A Collection Fee is applied to those accounts in overdraft status for ten (10) consecutive days and each ten (10) consecutive days thereafter. Available Balance. We use an Available Balance method to determine if there are sufficient funds in your account to pay an item or debit transaction. How We Decide to Pay an Item or Debit and How We Assess Fees. The Available Balance reflects deposits and transactions that have been posted to your account and transactions that have not settled or posted to your account, including the following: checks you have written, if applicable; deposit holds; and debit card transactions that have been authorized but not yet settled/posted and paid (i.e., preauthorization holds). These pending transactions and holds reduce your Available Balance. For example, you have $100 in your account and you spend $30, which shows as a pending transaction on your account. Your Available Balance is $70 because the pending $30 transaction reduces your Available Balance. The amount being held is not necessarily applied to the previously authorized transaction or to any specific transaction. If the hold expires and the transaction has not been paid, the amount being held will be returned to your Available Balance. We determine whether you have sufficient funds available to pay a transaction at the time the transaction is posted to your account, not at the time the transaction is authorized. If you do not have sufficient available funds at the time of posting, the debit transaction will cause you to overdraw, and you may incur an overdraft fee. This can occur even if your account did have sufficient available funds when the merchant requested authorization. Your debit card transaction is paid when the merchant presents it to us for payment and the transaction posts to your account – that is, when the merchant asks us to transfer the funds from your account to the merchant. It is important to note that authorization and payment of debit card transactions do not occur simultaneously – there can be days between. If other account activity has caused the available funds in your account to decrease before the debit card transaction posts, you may no longer have sufficient funds to pay the merchant. If that occurs, the debit card transaction will overdraw your account because we must honor our promise to pay the merchant. You may incur an overdraft fee when this happens. Here is an example of how that may happen: on Monday, we authorize a debit card transaction because you have enough available funds at the time. A hold is placed on your funds and your Available Balance is reduced by the authorized amount; however, these funds are not specifically reserved to post the debit card transaction. On Tuesday, we process and post another transaction (such as a check you wrote) that reduces your Available Balance below zero and causes an overdraft fee. If the merchant presents the original debit card transaction for payment on Wednesday, the debit card transaction will overdraw your account and you may incur another overdraft fee because your Available Balance is now below the amount needed to pay the transaction. You will be charged this fee even though we placed a hold on your funds on Monday because your Available Balance at the time of posting is the balance that determines whether you have sufficient funds for a transaction and whether you will incur an overdraft fee. Return Item for Non-Sufficient Funds. If your Available Balance is insufficient to pay an item or debit transaction and we return the item, we may charge you a Return Item Fee. We may charge you multiple $35 Returned Item Fees, or alternatively $35 Returned Item Fees followed by a $35 Overdraft Fee, on a single item that you have authorized for payment to a third-party merchant or other payee (the “Payee”). This occurs when the Payee resubmits the item to Wesbanco for payment after it has been rejected by Wesbanco due to insufficient funds in your account and returned to the Payee. This means that you could be assessed multiple fees on a single item. These fees are in addition to any fees that the Payee may be permitted to assess you for returned items under any agreement you have with the Payee.

Non-Sufficient Funds and Overdrafts. If your account lacks sufficient funds to pay a check, preauthorized transfer, debit transaction or other debit activity item presented for payment as determined by your available account balance or actual (ledger) balance, we may (1) return the debit or item or (2) pay the debit or item at our discretion. Available Balance. We use an available balance method to determine if there are sufficient funds in your account to pay a debit transaction or item and to assess non-sufficient funds and overdraft fees. How We Decide to Pay a Debit or Item. The available balance reflects deposits and transactions that have been posted to your account and transactions that have not posted to your account, including the following: checks you have written, if applicable; deposit holds; and holds on debit card transactions that have been authorized but not yet posted (i.e., preauthorization holds). These pending transactions and holds reduce your available balance. For example, you have $100 in your account and a pending transaction of $30. Your available balance is $70 because the pending $30 transaction reduces your available account balance. How We Assess Fees. If there are insufficient funds to pay a debit transaction or item based on your available balance, we may either: 1) return the debit or item or 2) pay the debit or item at our discretion. We may charge you fees if we return the debit or item or pay the debit or item on your behalf. A Collection Fee is applied to those accounts in overdraft status for ten (10) consecutive days and each ten (10) consecutive days thereafter. Available Balance. We use an Available Balance method to determine if there are sufficient funds in your account to pay an item or debit transaction. How We Decide to Pay an Item or Debit and How We Assess Fees. The Available Balance reflects deposits and transactions that have been posted to your account and transactions that have not settled or posted to your account, including the following: checks you have written, if applicable; deposit holds; and debit card transactions that have been authorized but not yet settled/posted and paid (i.e., preauthorization holds). These pending transactions and holds reduce your Available Balance. For example, you have $100 in your account and you spend $30, which shows as a pending transaction on your account. Your Available Balance is $70 because the pending $30 transaction reduces your Available Balance. The amount being held is not necessarily applied to the previously authorized transaction or to any specific transaction. If the hold expires and the transaction has not been paid, the amount being held will be returned to your Available Balance. We determine whether you have sufficient funds available to pay a transaction at the time the transaction is posted to your account, not at the time the transaction is authorized. If you do not have sufficient available funds at the time of posting, the debit transaction will cause you to overdraw, and you may incur an overdraft fee. This can occur even if your account did have sufficient available funds when the merchant requested authorization. Your debit card transaction is paid when the merchant presents it to us for payment and the transaction posts to your account – that is, when the merchant asks us to transfer the funds from your account to the merchant. It is important to note that authorization and payment of debit card transactions do not occur simultaneously – there can be days between. If other account activity has caused the available funds in your account to decrease before the debit card transaction posts, you may no longer have sufficient funds to pay the merchant. If that occurs, the debit card transaction will overdraw your account because we must honor our promise to pay the merchant. You may incur an overdraft fee when this happens. Here is an example of how that may happen: on Monday, we authorize a debit card transaction because you have enough available funds at the time. A hold is placed on your funds and your Available Balance is reduced by the authorized amount; however, these funds are not specifically reserved to post the debit card transaction. On Tuesday, we process and post another transaction (such as a check you wrote) that reduces your Available Balance below zero and causes an overdraft fee. If the merchant presents the original debit card transaction for payment on Wednesday, the debit card transaction will overdraw your account and you may incur another overdraft fee because your Available Balance is now below the amount needed to pay the transaction. You will be charged this fee even though we placed a hold on your funds on Monday because your Available Balance at the time of posting is the balance that determines whether you have sufficient funds for a transaction and whether you will incur an overdraft fee. Return Item for Non-Sufficient Funds. If we do not pay the debit or item on your Available Balance is insufficient to pay an item or debit transaction behalf and we return the debit or item, we may charge you non-sufficient funds fees. Pursuant to Nacha Operating Rules and Guidelines and other applicable laws, a Return Item Feedebit or item may be presented for payment more than one time. We may charge you non- sufficient funds fees for each resubmission or re-presentation of a debit or item, which means you may incur multiple $35 Returned Item Feesnon-sufficient funds fees if a debit or item is returned more than one time. For example, or alternatively $35 Returned Item Fees followed by you write a $35 Overdraft Feecheck from your account with us. The check is returned for non-sufficient funds, on a single item that and we may charge you have authorized non-sufficient funds fees. The same check is then re-presented to us for payment, and the check is returned again for non-sufficient funds. We may charge you non-sufficient funds fees the second time the check is presented for payment to a third-party merchant or other payee (the “Payee”). This occurs when the Payee resubmits the item to Wesbanco for payment after it has been rejected by Wesbanco due to insufficient funds in your account and returned to the Payee. This means that you could be assessed multiple fees on a single item. These fees are in addition to any fees that the Payee may be permitted to assess you for returned items under any agreement you have with the Payeenon- sufficient funds.

Non-Sufficient Funds and Overdrafts. If your account lacks sufficient funds to pay a check, preauthorized transfer, debit transaction or other debit activity item presented for payment as determined by your available account balance or actual (ledger) balance, we may (1) return the debit or item or (2) pay the debit or item at our discretion. Available Balance. We use an available balance method to determine if there are sufficient funds in your account to pay a debit transaction or item and to assess non-sufficient funds and overdraft fees. How We Decide to Pay a Debit or Item. The available balance reflects deposits and transactions that have been posted to your account and transactions that have not posted to your account, including the following: checks you have written, if applicable; deposit holds; and holds on debit card transactions that have been authorized but not yet posted (i.e., preauthorization holds). These pending transactions and holds reduce your available balance. For example, you have $100 in your account and a pending transaction of $30. Your available balance is $70 because the pending $30 transaction reduces your available account balance. How We Assess Fees. If there are insufficient funds to pay a debit transaction or item based on your available balance, we may either: 1) return the debit or item or 2) pay the debit or item at our discretion. We may charge you fees if we return the debit or item or pay the debit or item on your behalf. A Collection Fee is applied to those accounts in overdraft status for ten (10) consecutive days and each ten (10) consecutive days thereafter. Available Balance. We use an Available Balance method to determine if there are sufficient funds in your account to pay an item or debit transaction. How We Decide to Pay an Item or Debit and How We Assess Fees. The Available Balance reflects deposits and transactions that have been posted to your account and transactions that have not settled or posted to your account, including the following: checks you have written, if applicable; deposit holds; and debit card transactions that have been authorized but not yet settled/posted and paid (i.e., preauthorization holds). These pending transactions and holds reduce your Available Balance. For example, you have $100 in your account and you spend $30, which shows as a pending transaction on your account. Your Available Balance is $70 because the pending $30 transaction reduces your Available Balance. The amount being held is not necessarily applied to the previously authorized transaction or to any specific transaction. If the hold expires and the transaction has not been paid, the amount being held will be returned to your Available Balance. We determine whether you have sufficient funds available to pay a transaction at the time the transaction is posted to your account, not at the time the transaction is authorized. If you do not have sufficient available funds at the time of posting, the debit transaction will cause you to overdraw, and you may incur an overdraft fee. This can occur even if your account did have sufficient available funds when the merchant requested authorization. Your debit card transaction is paid when the merchant presents it to us for payment and the transaction posts to your account – that is, when the merchant asks us to transfer the funds from your account to the merchant. It is important to note that authorization and payment of debit card transactions do not occur simultaneously – there can be days between. If other account activity has caused the available funds in your account to decrease before the debit card transaction posts, you may no longer have sufficient funds to pay the merchant. If that occurs, the debit card transaction will overdraw your account because we must honor our promise to pay the merchant. You may incur an overdraft fee when this happens. Here is an example of how that may happen: on Monday, we authorize a debit card transaction because you have enough available funds at the time. A hold is placed on your funds and your Available Balance is reduced by the authorized amount; however, these funds are not specifically reserved to post the debit card transaction. On Tuesday, we process and post another transaction (such as a check you wrote) that reduces your Available Balance below zero and causes an overdraft fee. If the merchant presents the original debit card transaction for payment on Wednesday, the debit card transaction will overdraw your account and you may incur another overdraft fee because your Available Balance is now below the amount needed to pay the transaction. You will be charged this fee even though we placed a hold on your funds on Monday because your Available Balance at the time of posting is the balance that determines whether you have sufficient funds for a transaction and whether you will incur an overdraft fee. Return Item for Non-Sufficient Funds. If we do not pay the debit or item on your Available Balance is insufficient to pay an item or debit transaction behalf and we return the debit or item, we may charge you non-sufficient funds fees. Pursuant to Nacha Operating Rules and Guidelines and other applicable laws, a Return Item Feedebit or item may be presented for payment more than one time. We may charge you non-sufficient funds fees for each resubmission or re-presentation of a debit or item, which means you may incur multiple $35 Returned Item Feesnon-sufficient funds fees if a debit or item is returned more than one time. For example, or alternatively $35 Returned Item Fees followed by you write a $35 Overdraft Feecheck from your account with us. The check is returned for non-sufficient funds, on a single item that and we may charge you have authorized non-sufficient funds fees. The same check is thenre-presented to us for payment, and the check is returned again for non-sufficient funds. We may charge you non- sufficient funds fees the second time the check is presented for payment to a third-party merchant or other payee (the “Payee”). This occurs when the Payee resubmits the item to Wesbanco for payment after it has been rejected by Wesbanco due to insufficient funds in your account and returned to the Payee. This means that you could be assessed multiple fees on a single item. These fees are in addition to any fees that the Payee may be permitted to assess you for returned items under any agreement you have with the Payeenon-sufficient funds.

Non-Sufficient Funds and Overdrafts. If your account lacks sufficient funds to pay a check, preauthorized transfer, debit transaction or other debit activity item presented for payment as determined by your available account balance or actual (ledger) balance, we may (1) return the debit or item or (2) pay the debit or item at our discretion. Available Balance. We use an available balance method to determine if there are sufficient funds in your account to pay a debit transaction or item and to assess non-sufficient funds and overdraft fees. How We Decide to Pay a Debit or Item. The available balance reflects deposits and transactions that have been posted to your account and transactions that have not posted to your account, including the following: checks you have written, if applicable; deposit holds; and holds on debit card transactions that have been authorized but not yet posted (i.e., preauthorization holds). These pending transactions and holds reduce your available balance. For example, you have $100 in your account and a pending transaction of $30. Your available balance is $70 because the pending $30 transaction reduces your available account balance. How We Assess Fees. If there are insufficient funds to pay a debit transaction or item based on your available balance, we may either: 1) return the debit or item or 2) pay the debit or item at our discretion. We may charge you fees if we return the debit or item or pay the debit or item on your behalf. A Collection Fee is applied to those accounts in overdraft status for ten (10) consecutive days and each ten (10) consecutive days thereafter. Available Balance. We use an Available Balance method to determine if there are sufficient funds in your account to pay an item or debit transaction. How We Decide to Pay an Item or Debit and How We Assess Fees. The Available Balance reflects deposits and transactions that have been posted to your account and transactions that have not settled or posted to your account, including the following: checks you have written, if applicable; deposit holds; and debit card transactions that have been authorized but not yet settled/posted and paid (i.e., preauthorization holds). These pending transactions and holds reduce your Available Balance. For example, you have $100 in your account and you spend $30, which shows as a pending transaction on your account. Your Available Balance is $70 because the pending $30 transaction reduces your Available Balance. The amount being held is not necessarily applied to the previously authorized transaction or to any specific transaction. If the hold expires and the transaction has not been paid, the amount being held will be returned to your Available Balance. We determine whether you have sufficient funds available to pay a transaction at the time the transaction is posted to your account, not at the time the transaction is authorized. If you do not have sufficient available funds at the time of posting, the debit transaction will cause you to overdraw, and you may incur an overdraft fee. This can occur even if your account did have sufficient available funds when the merchant requested authorization. Your debit card transaction is paid when the merchant presents it to us for payment and the transaction posts to your account – that is, when the merchant asks us to transfer the funds from your account to the merchant. It is important to note that authorization and payment of debit card transactions do not occur simultaneously – there can be days between. If other account activity has caused the available funds in your account to decrease before the debit card transaction posts, you may no longer have sufficient funds to pay the merchant. If that occurs, the debit card transaction will overdraw your account because we must honor our promise to pay the merchant. You may incur an overdraft fee when this happens. Here is an example of how that may happen: on Monday, we authorize a debit card transaction because you have enough available funds at the time. A hold is placed on your funds and your Available Balance is reduced by the authorized amount; however, these funds are not specifically reserved to post the debit card transaction. On Tuesday, we process and post another transaction (such as a check you wrote) that reduces your Available Balance below zero and causes an overdraft fee. If the merchant presents the original debit card transaction for payment on Wednesday, the debit card transaction will overdraw your account and you may incur another overdraft fee because your Available Balance is now below the amount needed to pay the transaction. You will be charged this fee even though we placed a hold on your funds on Monday because your Available Balance at the time of posting is the balance that determines whether you have sufficient funds for a transaction and whether you will incur an overdraft fee. Return Item for Non-Sufficient Funds. If we do not pay the debit or item on your Available Balance is insufficient to pay an item or debit transaction behalf and we return the debit or item, we may charge you non-sufficient funds fees. Pursuant to Nacha Operating Rules and Guidelines and other applicable laws, a Return Item Feedebit or item may be presented for payment more than one time. We may charge you non-sufficient funds fees for each resubmission or re-presentation of a debit or item, which means you may incur multiple $35 Returned Item Feesnon-sufficient funds fees if a debit or item is returned more than one time. For example, or alternatively $35 Returned Item Fees followed by you write a $35 Overdraft Feecheck from your account with us. The check is returned for non-sufficient funds, on a single item that and we may charge you have authorized non-sufficient funds fees. The same check is then re-presented to us for payment, and the check is returned again for non-sufficient funds. We may charge you non- sufficient funds fees the second time the check is presented for payment to a third-party merchant or other payee (the “Payee”). This occurs when the Payee resubmits the item to Wesbanco for payment after it has been rejected by Wesbanco due to insufficient funds in your account and returned to the Payee. This means that you could be assessed multiple fees on a single item. These fees are in addition to any fees that the Payee may be permitted to assess you for returned items under any agreement you have with the Payeenon-sufficient funds.