Common use of Overdraft Privilege Clause in Contracts

Overdraft Privilege. refer to the Overdraft Privilege disclosure provided to you at the time of your checking account is established, or contact us in writing at P.O. Box 2477 Brea, CA 00000-0000, by telephone at 000.000.0000, or by emailing us at xxxxxxxxx@xxxxxxxxx.xxx Overdrafts which cannot be honored are payable on demand and may result in termination of your account(s). We may accept an order to stop payment on any item from any one of you. You must make any stop-payment order in the manner required by law and we must receive it in time to give us a reasonable opportunity to act on it before our stop-payment cutoff time. Because stop-payment orders are handled by computers, to be effective, your stop-payment order must precisely identify the number, date, and amount of the item, and the payee. You may stop payment on any item drawn on your account whether you sign the item or not. Generally, if your stop-payment order is given to us in writing it is effective for six months. Your order will lapse after that time if you do not renew the order in writing before the end of the six-month period. If the original stop-payment order was verbal your stop-payment order will lapse after 14 calendar days if you do not confirm your order in writing within that time period. We are not obligated to notify you when a stop-payment order expires. A release of the stop-payment request may be made only by the person who initiated the stop-payment order. If you stop payment on an item and we incur any damages or expenses because of the stop payment, you agree to indemnify us for those damages or expenses, including attorney fees. You assign to us all rights against the payee or any other holder of the item. You agree to cooperate with us in any legal actions that we may take against such persons. You should be aware that anyone holding the item may be entitled to enforce payment against you despite the stop-payment order. Additional limitations on our obligation to stop payment are provided by law (e.g., we paid the item in cash or we certified the item).

Overdraft Privilege. refer Refer to the Overdraft Privilege disclosure provided to you at the time of your checking account is established, or contact us in writing at P.O. Box 2477 Brea, CA 00000-0000, by telephone at 000.000.0000, or by emailing us at xxxxxxxxx@xxxxxxxxx.xxx Overdrafts which cannot be honored are payable on demand and may result in termination of We reserve the right to refuse to authorize any transaction when your account(s). We may accept an order to stop payment on any item from any one of you. You must make any stop-payment order in the manner required by law and Card has been reported lost or stolen or when we must receive it in time to give us a reasonable opportunity to act on it before our stop-payment cutoff time. Because stop-payment orders are handled by computers, to be effective, your stop-payment order must precisely identify the number, date, and amount of the item, and the payee. You may stop payment on any item drawn on your account whether you sign the item or not. Generally, if your stop-payment order is given to us in writing it is effective for six months. Your order will lapse after that time if you do not renew the order in writing before the end of the six-month period. If the original stop-payment order was verbal your stop-payment order will lapse after 14 calendar days if you do not confirm your order in writing within that time period. We are not obligated to notify you when a stop-payment order expires. A release of the stop-payment request reasonably believe there may be made only by the person who initiated the stop-payment order. If you stop payment on an item and we incur any damages fraudulent, suspicious or expenses because of the stop payment, you agree to indemnify us for those damages or expenses, including attorney fees. You assign to us all rights against the payee or any other holder of the itemillegal activity. You agree to cooperate with us use caution at all times when using an ATM. Some precautions you can take are: Avoid ATMs that are obstructed from view or unlit at night; observe the area for anything unusual or suspicious; when possible, bring a companion along especially at night; lock your vehicle when you leave it; have your Card in your hand as you approach the machine; avoid reaching in your wallet or purse in front of the machine; avoid counting your cash at the machine; lock the doors, roll up all but the driver’s window, and keep the engine running when using a drive-up machine. Prevent others from seeing you enter your PIN, and do not accept assistance from anyone you do not know when using an ATM. If you feel unsafe for any legal actions reason, you should leave the area immediately. If someone follows you after using the ATM, you should quickly go to a safe area that we may take against such personsis well populated and well lit. You should report any incident to the police as soon as possible. We want ATMs to be aware safe and convenient for you. Tell us if you know of any problem with the facility. For example, let us know if a light is not working or there is any damage to the facility. If you feel unsafe for any reason, you should leave the area immediately. If someone follows you after using the ATM, you should quickly go to a safe area that anyone holding is well populated and well lit. You should report any incident to both the item operator of the facility and to the police as soon as possible. Merchants and others who honor the Card may give credit for returns or adjustments, and they will do so by sending us a credit that we will post to your checking account. The amount of the credit will be entitled reflected on your periodic statement. Purchases, cash advances and credits processed outside of the United States or in a foreign currency will be billed to enforce payment against your account in U.S. dollars. The conversion to U.S. dollars will be made in accordance with Mastercard®’s operating regulations for international transactions. In the event that an international transaction is converted to U.S. dollars, the exchange rate between the transaction currency and the billing currency used for processing international transactions will be: (1) a rate selected by Mastercard® from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard® itself receives; or (2) the government-mandated rate in effect for the applicable central processing date. The processing date on which the exchange rate is applied may differ from the date you despite used your Card. When a credit to the stop-payment orderaccount does not fully offset a charge to the account due to changes in the rate, you are responsible for the difference. Additional limitations on our obligation We charge a Foreign Transaction Fee of 2% for international transactions that will be added to stop payment the amount of your purchase, cash advance or credit, regardless of whether the international transaction requires a currency conversion. When you authorize other parties to debit your checking account, you are provided by law (e.g., we paid the item in cash responsible for these transactions. This means that you will have to contact these parties directly if you have questions or we certified the item)complaints about your transactions.

Overdraft Privilege. refer to the Overdraft Privilege disclosure provided to you at the time of your checking account is established, or contact us in writing at P.O. Box 2477 Brea, CA 00000-0000, by telephone at 000.000.0000, or by emailing us at xxxxxxxxx@xxxxxxxxx.xxx Overdrafts which cannot be honored are payable on demand and may result in termination of your account(s). We may accept an order to stop payment on any item from any one of you. You must make any stop-payment order in the manner required by law and we must receive it in time to give us a reasonable opportunity to act on it before our stop-payment cutoff time. Because stop-payment orders are handled by computers, to be effective, your stop-payment order must precisely identify the number, date, and amount of the item, and the payee. You may stop payment on any item drawn on your account whether you sign the item or not. Generally, if your stop-payment order is given to us in writing it is effective for six months. Your order will lapse after that time if you do not renew the order in writing before the end of the six-month period. If the original stop-payment order was verbal your stop-payment order will lapse after 14 calendar days if you do not confirm your order in writing within that time period. We are not obligated to notify you when a stop-payment order expires. A release of the stop-payment request may be made only by the person who initiated the stop-payment order. If you stop payment on an item and we incur any damages or expenses because of the stop payment, you agree to indemnify us for those damages or expenses, including attorney fees. You assign to us all rights against the payee or any other holder of the item. You agree to cooperate with us in any legal actions that we may take against such persons. You should be aware that anyone holding the item may be entitled to enforce payment against you despite the stop-payment order. Additional limitations on our obligation to stop payment are provided by law (e.g., we paid the item in cash or we certified the item). you have with us, without prior notice and at any time, except as prohibited by law. We may also use any other legal remedy to recover the amount of our liability.