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The Bank uses the "daily balance method". For details, please see the exclusive agreement.

Rights on your claim: The customer rights and ways to exercise the rights are described in this seat lending agreement.

This contract describes important information about the customer's feed frame. Please read this overlap amount ("Exceeded amount set contract") and copy it for the record. When using the word "account" in the aggressive price setting contract, the customer's 360 checking and ove r-th e-counter lending amount are generally referred to. We can add, delete, and other changes at any time, as long as it is recognized by the applied law.

1. Basic matte r-your hometown frame is an unsecured rotation credit frame. This seat lending frame is an optional function of 360 checking. If you apply for this seat lending frame, you can choose the 360 ​​current deposit account or at a later date. The usage limit of this seat lending frame will be notified when the use of this seat lending frame is approved. If you apply for an overlooking frame and approve, you can set a recovery frame for one 360 ​​current deposit account only once. < SPAN> The Bank uses the "daily balance method". For details, please see the exclusive agreement.

Rights on your claim: The customer rights and ways to exercise the rights are described in this seat lending agreement.

1. This contract describes important information about the customer's feed frame. Please read this overlap amount ("Exceeded amount set contract") and copy it for the record. When using the word "account" in the aggressive price setting contract, the customer's 360 checking and ove r-th e-counter lending amount are generally referred to. We can add, delete, and other changes at any time, as long as it is recognized by the applied law.
2. Basic matte r-your hometown frame is an unsecured rotation credit frame. This seat lending frame is an optional function of 360 checking. If you apply for this seat lending frame, you can choose the 360 ​​current deposit account or at a later date. The usage limit of this seat lending frame will be notified when the use of this seat lending frame is approved. If you apply for an overlooking frame and approve, you can set a recovery frame for one 360 ​​current deposit account only once. The Bank uses the "daily balance method". For details, please see the exclusive agreement.
3. Rights on your claim: The customer rights and ways to exercise the rights are described in this seat lending agreement.
4. This contract describes important information about the customer's feed frame. Please read this overlap amount ("Exceeded amount set contract") and copy it for the record. When using the word "account" in the aggressive price setting contract, the customer's 360 checking and ove r-th e-counter lending amount are generally referred to. We can add, delete, and other changes at any time, as long as it is recognized by the applied law.
5. Basic matte r-your hometown frame is an unsecured rotation credit frame. This seat lending frame is an optional function of 360 checking. If you apply for this seat lending frame, you can select the 360 ​​current deposit account or will be selected at a later date. The usage limit of this seat lending frame will be notified when the use of this seat lending frame is approved. If you apply for an overlooking frame and approve, you can set a lending frame for one 360 ​​deposit account only once.

The only way to use this seat lending frame is to overcome 360 ​​current deposits. Therefore, if the balance of 360 checking is not enough to cover the drawer request (payment of invoices, interest payments, transfer, POS transactions, etc.), or if the available balance is negative. By transmitting enough funds ("advanced") to cover the postscript from the postscript frame, we will approve and instruct the Bank to make a loan to the customer. You cannot request an advanced advanced frame. We can always increase or decrease your credit limit at any time without prior notice to customers, as perceived by the applicable law. To use this seat lending frame, you must be 18 years or older. If your account is a communal name (or if you have a c o-trust person in the case of a lifetime trust account), the aggressive usage agreement is your own solidarity debt, and the clause of the overrunning contract of this seat. It is applied jointly to each customer and everyone. Customers (including your heir or personal agent, or a trusted account, including trust and successor) will be restrained in the clause of the overrunning agreement that changes at any time.

1. To protect the custome r-We reserve the right to confirm the electronic instructions before processing advanced advanced. However, we do not need to confirm the advanced advanced advanced, and are not responsible for not contacting the customer. In addition, we have your password, personal identification number ("PIN"), or account access equipment (such as debit card ("card")) (hereinafter collectively "e identification"). There is no need to check the actual identity or authority of the user.

Payment promis e-Customers promise to pay the total amount of interest and other amounts to all the advanced amounts to be paid based on the seat lending contract. < SPAN> The only way to use this seat lending frame is to draw over 360 current deposits. Therefore, if the balance of 360 checking is not enough to cover the drawer request (payment of invoices, interest payments, transfer, POS transactions, etc.), or if the available balance is negative. By transmitting enough funds ("advanced") to cover the postscript from the postscript frame, we will approve and instruct the Bank to make a loan to the customer. You cannot request an advanced advanced frame. We can always increase or decrease your credit limit at any time without prior notice to customers, as perceived by the applicable law. To use this seat lending frame, you must be 18 years or older. If your account is a communal name (or if you have a c o-trust person in the case of a lifetime trust account), the aggressive usage agreement is your own solidarity debt, and the clause of the overrunning contract of this seat. It is applied jointly to each customer and everyone. Customers (including your heir or personal agent, or a trusted account, including trust and successor) will be restrained in the clause of the overrunning agreement that changes at any time.

1. To protect the custome r-We reserve the right to confirm the electronic instructions before processing advanced advanced. However, we do not need to confirm the advanced advanced advanced, and are not responsible for not contacting the customer. In addition, we have your password, personal identification number ("PIN"), or account access equipment (such as debit card ("card")) (hereinafter collectively "e identification"). There is no need to check the actual identity or authority of the user.
2. Payment promis e-Customers promise to pay the total amount of interest and other amounts to all the advanced amounts to be paid based on the seat lending contract. The only way to use this seat lending frame is to overcome 360 ​​current deposits. Therefore, if the balance of 360 checking is not enough to cover the drawer request (payment of invoices, interest payments, transfer, POS transactions, etc.), or if the available balance is negative. By transmitting enough funds ("advanced") to cover the postscript from the postscript frame, we will approve and instruct the Bank to make a loan to the customer. You cannot request an advanced advanced frame. We can always increase or decrease your credit limit at any time without prior notice to customers, as perceived by the applicable law. To use this seat lending frame, you must be 18 years or older. If your account is a communal name (or if you have a c o-trust person in the case of a lifetime trust account), the aggressive usage agreement is your own solidarity debt, and the clause of the overrunning contract of this seat. It is applied jointly to each customer and everyone. Customers (including your heir or personal agent, or a trusted account, including trust and successor) will be restrained in the clause of the overrunning agreement that changes at any time.

To protect the custome r-We reserve the right to confirm the electronic instructions before processing advanced advanced. However, we do not need to confirm the advanced advanced advanced, and are not responsible for not contacting the customer. In addition, we have your password, personal identification number ("PIN"), or account access equipment (such as debit card ("card")) (hereinafter collectively "e identification"). There is no need to check the actual identity or authority of the user.

1. Payment promis e-Customers promise to pay the total amount of interest and other amounts to all the advanced amounts to be paid based on the seat lending contract.
2. Repaymen t-The only way to repay the replacement for this seat is to deposit in 360 checkings where this seat lending frame is set. Each time the customer makes a deposit, the Bank will immediately use the deposit to the balance of the customer's feed frame. 360 By accepting the contract conditions of the current deposit and the overturn frame, the customer regularly changes the electronic fund transfer from 360 current deposits to the overall frame in order to repay all or part of the balance of the passage frame. Approve what to do. For example, on the first day, the balance of $ 100 is $ 100 on the 10th day of $ 200 to $ 200 to 360 current deposits on the 10th day. Out of $ 100 is used for repayment of exceeded amount. In other words, the balance of the 360 ​​checking on the first day of the 10th is $ 100 (not $ 200), and the balance of the passage frame (excluding unpaid interest) is $ 0 (not $ 100). Furthermore, on the last day of the month when the balance of this seat lending frame was, the interests of the month are deducted from the 360 ​​-deposit account where the passage frame is set. 360 If there is not enough balance to cover the interest you need to pay for the 360 ​​current deposit account, a repayment will be made to meet the lending frame to satisfy the lending frame.

Calculation method of new balanc e-The total balance of the lending quota (including all unpaid advanced and unpaid interest) as of the end of the month is displayed as "new balance" in the statement. In order to determine the "new balance", we will calculate the total unpaid advanced balance as of the end of the month (this includes a new advanced advanced in the current monthly lending frame, and includes deposits or credit. No). Next, add unpaid interests up to the end of this month (in the statement of use) and other adjustments. As a result, the “new balance” of the entry frame as of the end of the month is calculated. < SPAN> Repaymen t-The only way to repay the replacement fund for this seat lending frame is to deposit in 360 checkings where the residual lending frame is set. Each time the customer makes a deposit, the Bank will immediately use the deposit to the balance of the customer's feed frame. 360 By accepting the contract conditions of the current deposit and the overturn frame, the customer regularly changes the electronic fund transfer from 360 current deposits to the overall frame in order to repay all or part of the balance of the passage frame. Approve what to do. For example, on the first day, the balance of $ 100 is $ 100 on the 10th day of $ 200 to $ 200 to 360 current deposits on the 10th day. Over 100 dollars, apply to repayment of exceeded amount. In other words, the balance of the 360 ​​checking on the first day of the 10th is $ 100 (not $ 200), and the balance of the passage frame (excluding unpaid interest) is $ 0 (not $ 100). Furthermore, on the last day of the month when the balance of this seat lending frame was, the interests of the month are deducted from the 360 ​​-deposit account where the passage frame is set. 360 If there is not enough balance to cover the interest you need to pay for the 360 ​​current deposit account, a repayment will be made to meet the lending frame to satisfy the lending frame.

Calculation method of new balanc e-The total balance of the lending quota (including all unpaid advanced and unpaid interest) as of the end of the month is displayed as "new balance" in the statement. In order to determine the "new balance", we will calculate the total unpaid advanced balance as of the end of the month (this includes a new advanced advanced in the current monthly lending frame, and includes deposits or credit. No). Next, add unpaid interests up to the end of this month (in the statement of use) and other adjustments. As a result, the “new balance” of the entry frame as of the end of the month is calculated. Repaymen t-The only way to repay the replacement for this seat is to deposit in 360 checkings where this seat lending frame is set. Each time the customer makes a deposit, the Bank will immediately use the deposit to the balance of the customer's feed frame. 360 By accepting the contract conditions of the current deposit and the overturn frame, the customer regularly changes the electronic fund transfer from 360 current deposits to the overall frame in order to repay all or part of the balance of the passage frame. Approve what to do. For example, on the first day, the balance of $ 100 is $ 100 on the 10th day of $ 200 to $ 200 to 360 current deposits on the 10th day. Over 100 dollars, apply to repayment of exceeded amount. In other words, the balance of the 360 ​​checking on the first day of the 10th is $ 100 (not $ 200), and the balance of the passage frame (excluding unpaid interest) is $ 0 (not $ 100). Furthermore, on the last day of the month when the balance of this seat lending frame was, the interests of the month are deducted from the 360 ​​-deposit account where the passage frame is set. 360 If there is not enough balance to cover the interest you need to pay for the 360 ​​current deposit account, a repayment will be made to meet the lending frame to satisfy the lending frame.

1. Calculation method of new balanc e-The total balance of the lending quota (including all unpaid advanced and unpaid interest) as of the end of the month is displayed as "new balance" in the statement. In order to determine the "new balance", we will calculate the total unpaid advanced balance as of the end of the month (this includes a new advanced advanced in the current monthly lending frame, and includes deposits or credit. No). Next, add unpaid interests up to the end of this month (in the statement of use) and other adjustments. As a result, the “new balance” of the entry frame as of the end of the month is calculated.
2. Annual Percentage Rate and How It is Determined - The Annual Percentage Rate ("APR") on the overdraft line is a variable rate that increases or decreases once each business day. The initial APR on the overdraft line is a floating rate of NaN (based on prime plus margin). The corresponding daily periodic rate is NaN%.
3. The APR is determined as follows: First, take the value of an independent "index". This index is the prime rate published in the Wall Street Journal. Then, add a "margin" to the index. The current margin on the overdraft is NaN. The APR on the overdraft line is equal to the margin plus the applicable index. The APR may change daily based on the index in effect at the beginning of that day. If the APR increases, the interest you pay also increases. If the APR decreases, the interest you owe decreases.
4. How we calculate the interest you pay - We charge you interest on your advance from the date the advance is posted to your overdraft facility until the balance is paid in full. Here's how we calculate interest: At the beginning of each day, we start with the total outstanding advance balance, excluding any accrued or unpaid interest. We then add any new advances, subtract your deposits and credits (excluding any portion applied to charged and unpaid interest), and make any other appropriate adjustments. This gives you your daily advance balance. Then, on each day of the month, we multiply the daily advance balance by the applicable daily periodic interest rate. The result is your interest for that day. We then add up all the interest for each day of the month. The resulting number is your total interest for the month (called the "Finance Charge" on your statement).
5. Deposit (Payment) Deadlines - If your overdraft facility balance is $3, 333. 33 or less on the last day of the current month, you must deposit into 360 Checking by the last day of the following month the lesser of (i) $100 or (ii) the total principal balance of your overdraft facility (referred to as the "Finance Charge Balance" on your statement). For example, if your overdraft facility balance is $2, 000 on the last day of June, you must deposit into 360 Checking at least $100 by July 31. If your overdraft facility balance is $89 on the last day of June, you must deposit into 360 Checking at least $89 by July 31. If your overdraft facility balance is more than $3, 333. 33 on the last day of the month, you must deposit into 360 Checking at least 3% of your total principal balance of your overdraft facility by the last day of the following month. For example, if your Overdraft Facility balance is $6, 000 at the end of June, you must deposit at least $180 into 360 Checking by July 31. If you fail to deposit when due, the amount you owe (the "Overdue Amount") will become overdue and you will have until the end of the following month to pay the Overdue Amount plus the current month's payments due.
6. Default - You will be in default and we will not be required to honor any claim for advances (even if we do not give you prior notice) if (i) you do not receive a deposit/payment when due, (ii) subject to applicable law, you breach any of your promises under the 360 ​​Checking Agreement or the Overdraft Facility Agreement, or (iii) we reasonably believe that your ability to repay has been impaired.
7. If you default under the terms of the 360 ​​Check Agreement or the Overdraft Credit Facility Agreement, subject to applicable law, we may, at our option and without prior notice, close your account and require immediate payment in full of all amounts owed by you under the Overdraft Credit Facility Agreement. You agree to pay all attorneys', court fees, and other reasonable costs of collection incurred by us in attempting to collect any amounts owed by you to us. If we close your account, you agree to immediately discontinue use of your account and destroy any access devices we have given you.
8. If a part of E-Identification is lost or theft-e-Identification is lost or stolen, or if someone may use or use your E-Identification without your permission, Please contact 1-800-655-2265 immediately. Do not use your E-Identification after you are notified. If you are notified that your E-ID may have been lost, theft, or illegally used, we will close your account with a new advanced, change your account number, and change your new E. You agree that you may require a-id acquisition.

Unsupported transfe r-After receiving a document, you cannot collect the question or report as delinquent. You can continue to charge the amount you have asked, including the financial fee. In addition, you can use unpaid amounts to your credit limit. While the Company is investigating, the customer does not need to pay a suspicious amount, but he is obliged to pay for any of the statements that do not have any problems. If you find that there is an error in the statement, you do not need to pay a financial fee related to the doubtful inquiry. If we have no mistakes, we may have to pay a financial fee, and we need to make up for the unpaid amounts for the doubt. In any case, we will send you a statement that describes the amount and date you pay.

If we cannot pay the amount we think, we may report the customer as a delinquent person. However, if we are not convinced in our explanation and tell us that you are still refusing to pay within 10 days, we have doubts about the statement. You have to tell the person who reports. We also have to tell you the name of the person you have reported. In the end, if the problem is solved, we must tell the person who reported to you that the problem has been solved between us.

1. If you do not follow this rule, you will not be able to collect the first $ 50, even if your statement is correct. < SPAN> Lost or theft of E-Identification-E-Identification may be lost or stolen, or maybe someone may use or use your E-Identification without your permission. If you are, please contact 1-800-655-2265 immediately. Do not use your E-Identification after you are notified. If you are notified that your E-ID may have been lost, theft, or illegally used, we will close your account with a new advanced, change your account number, and change your new E. You agree that you may require a-id acquisition.
2. Unsupported transfe r-After receiving a document, you cannot collect the question or report as delinquent. You can continue to charge the amount you have asked, including the financial fee. You can also apply unpaid amounts to your credit limit. While the Company is investigating, the customer does not need to pay a suspicious amount, but he is obliged to pay for any of the statements that do not have any problems. If you find that there is an error in the statement, you do not need to pay a financial fee related to the doubtful inquiry. If we have no mistakes, we may have to pay a financial fee, and we need to make up for the unpaid amounts for the doubt. In any case, we will send you a statement that describes the amount and date you pay.
3. If we cannot pay the amount we think, we may report the customer as a delinquent person. However, if we are not convinced in our explanation and tell us that you are still refusing to pay within 10 days, we have doubts about the statement. You have to tell the person who reports. We also have to tell you the name of the person you have reported. In the end, if the problem is solved, we must tell the person who reported to you that the problem has been solved between us.
4. If you do not follow this rule, you will not be able to collect the first $ 50, even if your statement is correct. If a part of E-Identification is lost or theft-e-Identification is lost or stolen, or if someone may use or use your E-Identification without your permission, Please contact 1-800-655-2265 immediately. Do not use your E-Identification after you are notified. If you are notified that your E-ID may have been lost, theft, or illegally used, we will close your account with a new advanced, change your account number, and change your new E. You agree that you may require a-id acquisition.

Billing error rights: Keep this document for future use

Unsupported transfe r-After receiving a document, you cannot collect the question or report as delinquent. You can continue to charge the amount you have asked, including the financial fee. You can also apply unpaid amounts to your credit limit. While the Company is investigating, the customer does not need to pay a suspicious amount, but he is obliged to pay for any of the statements that do not have any problems. If you find that there is an error in the statement, you do not need to pay a financial fee related to the doubtful inquiry. If we have no mistakes, we may have to pay the financial fee, and we need to make up for the unpaid amounts for the doubt. In any case, we will send you a statement that describes the amount and date you pay.

What to do if you find a mistake on your statement

If we cannot pay the amount we think, we may report the customer as a delinquent person. However, if we are not convinced in our explanation and tell us that you are still refusing to pay within 10 days, we have doubts about the statement. You have to tell the person who reports. We also have to tell you the name of the person you have reported. In the end, if the problem is solved, we must tell the person who reported to you that the problem has been solved between us.

If you do not follow this rule, you will not be able to collect the first $ 50, even if your statement is correct.

Closing Your Account - We may close your account at any time, whether or not you are in default, subject to applicable law. You may request that we close your account at any time by calling us. If your account is closed by us or by you, you agree to pay us all amounts due under the terms of the Overdraft Facility Agreement. If you are in default, we may close your account and require you to immediately pay us all amounts due under the Overdraft Facility Agreement. In this case, we may also require you to immediately pay all amounts owed under any other loans or accounts you have with us, subject to applicable law and any agreements to the contrary we have with you. You also agree to immediately cease using your account after we notify you in writing that we want to close your account.

Delay in Enforcement - We may delay in enforcing any of our rights or remedies under the Overdraft Facility Agreement or applicable law without forfeiting those rights or remedies. If you do not exercise any of our rights or remedies at one time, you may exercise them at a later time.

• Credit/Information Reports - You agree that we reserve the right to obtain credit information about you from one or more credit reporting agencies in connection with your application for an overdraft facility. You also agree that we reserve the right to obtain credit reports about you in connection with maintaining, reviewing and collecting on the overdraft facility. We may report the performance of the Overdraft Limit Agreement to credit reporting agencies to the fullest extent permitted by law.
• Account Servicers - You agree that we may provide information about you and your account to third parties who assist us in servicing your account and who reasonably require the information to process advances or other account transactions.
• Information Updates - You agree to promptly provide us with updated information about your financial and employment status, and any other information we may reasonably request. If you do not provide information promptly, we may close your account and/or consider you to be in default under the Overdraft Agreement.

Changes to Terms – As required by law, the Bank will notify you if there are any material changes to the terms of your Overdraft Credit Agreement.

• Our limited liabilit y-As long as the application method is not explicitly specified separately, we will be directly, indirect, indirect loss, damage, or inconvenience that causes access to your account or account. I am not responsible for you. We are not responsible for your E-ID, or your account dysfunction, cancellation, or restrictions. Unless otherwise specified in the applied law, we are responsible for the inconvenience and damages that you have been directly or indirectly caused by not being able to complete the requested advanced according to your instructions. I do not.
• The Military Rental La w-The Federal Law provides important protection to the military members and their dependents on the provision of consumer trust. In general, the cost of consumer finance to the military members and their dependents must not exceed 36 % per year. This rate includes the expenses related to credit insurance premiums, the charges of the attached products sold in relevant to margin transactions, and the applicant (specific credit or account (specific credit or account) (specific credit or account). It must include a certain application fee for) and the charged participation fee (excluding a certain participation fee for credit card accounts).

If you would like to disclose the military lending law and the relevant over-lending frame, please call 1-866-251-7617 (toll-free).

What will happen after we receive your inquiry

During the period when the military loan method (hereinafter referred to as the "law") is applied to the customer, no provisions of the entry credit contract for customers who contradict the law are not applied, and the customer's overall credit contract is to comply with the law. It will be interpreted.

1. According to the Societ y-Delaware State and Federal Laws, regardless of the Delaware State Confirmation Principles, applies to the Sister Lending Frame Configuration and Customer's Und o-Lending Frame Settings. Even if any clause of the overly lending amount of use is determined to be invalid or unable to execution by a court or administrative agency with appropriate jurisdiction, the remaining clause of the overrunning contract of this seat will continue to work. I will do it. < SPAN> Limited liabilit y-As long as the application method is not explicitly specified separately, the Company is direct, indirect, or resulting in direct, indirect loss, or damage from the useless use of your account. Or you are not responsible for the inconvenience. We are not responsible for your E-ID, or your account dysfunction, cancellation, or restrictions. Unless otherwise specified in the applied law, we are responsible for the inconvenience and damages that you have been directly or indirectly caused by not being able to complete the requested advanced according to your instructions. I do not.
2. The Military Rental La w-The Federal Law provides important protection to the military members and their dependents on the provision of consumer trust. In general, the cost of consumer finance to the military members and their dependents must not exceed 36 % per year. This rate includes the expenses related to credit insurance premiums, the charges of the attached products sold in relevant to margin transactions, and the applicant (specific credit or account (specific credit or account) (specific credit or account). It must include a certain application fee for) and the charged participation fee (excluding a certain participation fee for credit card accounts).

If you would like to disclose the military lending law and the relevant over-lending frame, please call 1-866-251-7617 (toll-free).

• During the period when the military loan method (hereinafter referred to as the "law") is applied to the customer, no provisions of the entry credit contract for customers who contradict the law are not applied, and the customer's overall credit contract is to comply with the law. It will be interpreted.
• According to the Societ y-Delaware State and Federal Laws, regardless of the Delaware State Confirmation Principles, applies to the Sister Lending Frame Configuration and Customer's Und o-Lending Frame Settings. Even if any clause of the overly lending amount of use is determined to be invalid or unable to execution by a court or administrative agency with appropriate jurisdiction, the remaining clause of the overrunning contract of this seat will continue to work. I will do it. Our limited liabilit y-As long as the application method is not explicitly specified separately, we will be directly, indirect, indirect loss, damage, or inconvenience that causes access to your account or account. I am not responsible for you. We are not responsible for your E-ID, or your account dysfunction, cancellation, or restrictions. Unless otherwise specified in the applied law, we are responsible for the inconvenience and damages that you have been directly or indirectly caused by not being able to complete the requested advanced according to your instructions. I do not.
• The Military Rental La w-The Federal Law provides important protection to the military members and their dependents on the provision of consumer trust. In general, the cost of consumer finance to the military members and their dependents must not exceed 36 % per year. This rate includes the expenses related to credit insurance premiums, the charges of the attached products sold in relevant to margin transactions, and the applicant (specific credit or account (specific credit or account) (specific credit or account). It must include a certain application fee for) and the charged participation fee (excluding a certain participation fee for credit card accounts).
• If you would like to disclose the military lending law and the obligation to pay the relevant post-lending slots, please call 1-866-251-7617 (toll-free).

During the period when the military loan method (hereinafter referred to as the "law") is applied to the customer, no provisions of the entry credit contract for customers who contradict the law are not applied, and the customer's overall credit contract is to comply with the law. It will be interpreted.

• According to the Societ y-Delaware State and Federal Laws, regardless of the Delaware State Confirmation Principles, applies to the Sister Lending Frame Configuration and Customer's Und o-Lending Frame Settings. Even if any clause of the overly lending amount of use is determined to be invalid or cannot be executed by a court or administrative agency with appropriate jurisdiction, the remaining clause of the overcapacity usage agreement will continue to work. I will do it.
• Transfe r-Our Bank can transfer the rights of the Bank to our affiliated company, other financial institutions, or the company, based on the customer's current and ove r-th e-counter contracts without prior notice to the customer. 。 Customers cannot transfer or relocate the responsibilities of the customer under the superimality of the seats and the overall lending amount contract without the consent of the Company to others. We do not need our consent.

No security righ t-Overrolling frames are unsecured. In relation to this seat lending agreement, the Bank does not set any property to any property.

Captio n-The captions used in this seat lending contract are for convenience. These do not affect any meaning of the overrunning contract of this seat.

Electronic Fund Transfer disclosure statement

This notice tells us about the rights of customers and our responsibilities based on the fair credit claim.

1. If you think there is an error in the statement, please call up to 1-800-655-2265 or contact the following in writing:
   1. Capital One Bank Attn: Bank by Mail PO BOX 85123 Richmond, VA 23285
   2. If you think that the statement or receipt is wrong, or if you need detailed information about the transfer or receipt in the statement or receipt, as soon as possible, our website (www. capitalone. com) Please send an email to /Bank).
   3. At that time, please provide the following information:
   4. Account information: Your name and account number
   5. Amount: Amount: Suspected amount of money
   6. The content of the question: If you think there is a mistake in the invoice, please write down the mistake and the reason.
   7. Please be sure to contact us:
   8. Within 60 days after the error is described in the first statement.
   9. If you want to stop paying a mistake, please contact us at least three business days before the automatic payment is planned.

   If you have an error, please let us know in writing. You can contact us by phone, but in that case, there is no obligation to investigate the possibility of the error, and you may have to pay the problem.

   1. If we receive inquiries from customers, we must do the following two things:
   2. Please tell the customer that you have received a letter within 30 days of receiving your letter. Also, if you have already corrected the error, we will tell you that.
      1. Within 90 days after receiving your inquiry, we must correct the error or explain to the customer why the claim is correct.
      2. While investigating the presence or absence of an error, the Company will correct the contents described in the invoice in which the customer has contacted:
      3. We cannot attempt to collect the amount in question or report the amount as delinquent.
      4. The charge in question will remain on your statement, and we may continue to charge interest on that amount.
      5. You do not have to pay the amount in question, but you are responsible for the remaining balance.
      6. You may also apply the outstanding amount against your credit limit.
      7. After we have completed our investigation, one of two things will happen:
      8. If we made a mistake: You do not have to pay the amount in question, nor any interest or other fees associated with that amount.
      1. If we do not make a mistake: You pay the amount in question and any applicable interest and fees. We will send you a statement showing the amount you owe and the due date. If you do not pay, we may report you as delinquent.If you believe that your bill is incorrect, despite our explanation, you must notify us in writing within 10 days that you are refusing to pay. In that case, we cannot report you as delinquent unless you also tell us that you have a question about the bill. We must tell you the name of the person who reported you as delinquent. We must also let those organizations know if we have resolved the issue between us.
      2. If we do not follow all of the above rules, you do not have to pay the first $50 of the disputed amount, even if the bill is correct.The purpose of this disclosure statement is to inform you of your rights under the Electronic Funds Transfer Act. Below are the Electronic Funds Transfers (EFTs) we can process. Additional services may be offered in the future as they are developed. Please read this disclosure statement carefully and keep it for future reference. In this disclosure statement, the words "you" or "your" refer to the depositor and authorized users of the account. "we", "our", "our" and "Capital One" refer to Capital One, N. A.
      3. Electronic Funds Transfer Services. The following electronic funds transfer services are available to you if you have opened certain accounts with us:You can use the cash drawer ATM/ debit card and PIN with an ATM, and use the Capital One ATM for mobile apps to bring out cash from your selected account. Cash out of cash can be done by ATM from the appropriately linked target and savings. Every time you use an ATM/ debit card, you may be able to hold the amount of money corresponding to your account.
      1. Salary from federal governments, benefits for disabled, veteran allowance, social security, and other allowances paid by the federal government.
      2. Transfer your salary directly to your account, as your employer provides an account transfer and fills out the documents requested by the employer.
      3. In addition, deposits to accounts that are electronically processed, such as capital one ATMs and automatic payment organizations.

      Electronic remittance between Capital One, N. A. Accounts, external link accounts and Capital One Accounts, or by telephone to call center.

      Move funds from your Capital ONE account, pay the Capital One loan electronically or call the call center.

      1. Payment to a third party or other fund transfer by instructing the Company to remit funds to a third party through the Internet.
      2. Cash or chec k-in remittance or deposit instructed by using the ATM/ debit card issued to the customer.
      3. Checking the chec k-up for the checking price and paying for invoices, approved as a member store or other payment to make on e-time electronic payment from 360 checking accounts using checks. You can.

      For more information about these services, see the 360 ​​Koit Transactions.

      Fees for electronic transactions. In this Bank, we do not receive any fees for most of the electronic remittance services. The Bank will notify the customer as the law is obliged by the law when reserving and collecting the right to collect additional charges at a later date. If you use a card at the ATM, the ATM owner may charge for an ATM usage fee. If such a commission is charged, you need to be told the amount before completing the drawer. After that, when a drawer is performed, the drawer amount and commission are deducted from the 360 ​​checking account.

      1. Restriction of account transfer *. The following is a transaction limit.
         1. One "Bill Pay" or "Overnight A Check" transactions cannot exceed $ 100, 000.Casher's check (online) Cash registers purchased online cannot exceed $ 250, 000 for one "cash register" transaction. In addition, the total amount of all cashier checks cannot exceed $ 500, 000 per day per customer. The daily limit is reset every day at midnight.
         2. Cashers Check Kiosk (in the cafe): The total amount of all cashiers purchased at Kiosk cannot exceed $ 2, 500 per day. The daily limit is reset every day at midnight.The total amount of the day when depositing a check in ATM is $ 999, 999. 99. The limit of individual checks is up to this amount. When depositing cash with ATM, there is no cash payment limit per day. The on e-time cash deposit limit is $ 5, 000.
         3. Card purchases and drawers are up to $ 5, 000 per day. This includes purchases with ATMs, caching, signing and PIN with ATMs using debit cards. The limit per day from ATMs using ATM/ debit cards in your account is set based on secret fraud and risk standards that are indispensable for the protection and complete nature of the customer. It may be changed at our own discretion without notice. You can check the daily drawer limit by Capital One Mobile App or online account or phone (1-800-655-2265). You can also lower the limit or temporarily raise the limit by calling 1-800-655-2265.You can also use a mobile app to withdraw cash from ATMs. The total withdrawal is $ 200 per day, or more than $ 2, 000 per month. However, this limit may be changed at its own discretion without prior notice, based on confidential fraud and risk standards that are indispensable for customer protection and the integrity of services.
         1. ACH (Automated Clearing House) external transfer trading is subject to the amount of electronic transfer amount between your account and other financial institutions, and a specific external account of other financial institutions your Capital One Account. It also includes whether it can be linked to. These limits are designed so that they can be set flexibly to protect the security and completion of the service and accounts, and to protect the customer and all other users of the service. Based on confidential misconduct and essential risks, it may be changed at our discretion without prior notice.
         2. Send Money with Zelle (Personal Transfers) transactions are subject to limits on the amount of money you may transfer to your account and how often you may transfer money from your account. These limits are designed to be flexible in order to protect the security and integrity of the Service and your account, including to protect you and all other users of the Service. These limits may be based on confidential fraud and risk criteria essential to our risk management, protecting our customers and the integrity of the Service, and may be changed at our sole discretion without prior notice.
         3. Pre-approved Credit
         4. If you have arranged for the same person, entity or business, such as your employer, to deposit funds directly into your account at least once every 60 days, you may check whether the deposit has been made by calling us at 1-800-655-2265 or visiting our website via the Internet at www. capitalone. com/bank.
         5. Periodic Statements for All Electronic Transfers Described in This Disclosure
         1. You will receive a statement of your account monthly unless there is no transfer in a particular month. In all cases, statements will be issued at least quarterly. Your statement will be generated based on the delivery method you have selected. Receipts. We issue receipts when you transfer funds from your account using an ATM or POS terminal.
         2. We have decided that, by law, we have no liability to you if your E-Identification is used without your permission (up to $50) if you notify us within two business days of learning of the loss or misuse.
         3. If you do not notify us within two business days and we can prove that we could have prevented the loss if you had not contacted us, you could incur losses of as much as $500.
         4. If your statement shows a transfer that you did not make and you do not contact us within 60 days after your statement is available, we may not refund any amounts lost after the 60th day if we can prove that we could have prevented the loss if you had contacted us.
         5. We can extend these periods if you were prevented from contacting us due to extenuating circumstances (such as extended travel or hospitalization).
         6. For Electronic Funds Transfer Errors or Questions. If you believe your statement or receipt is incorrect or if you need more information about a transfer listed on your statement or receipt, please contact us as soon as possible by calling us at 1-800-655-2265, writing to Capital One Bank, PO Box 85123, Richmond, VA 23285, or logging into your account at capitalone. com and clicking on Transactions. You must contact us within 60 days of receiving the first statement showing the problem or error.
         7. Your name and account number
         8. Describe the error or unclear transaction and explain as clearly as possible why you believe it is an error or why you need more information.
         9. The amount of the suspected error
         10. If you notify us verbally, we may ask you to send your complaint or question in writing to the address above within 10 business days. We will inform you of the results of our investigation within 10 business days of hearing from you and will promptly correct any errors. If we need more time, we may take up to 45 days to investigate your complaint or question, or 90 days for foreign-initiated transactions, POS transactions, and new accounts. In that case, we will credit your account with the amount we believe to be in error within 10 business days, so that you can use that amount until we have completed our investigation. If we require written confirmation, we may not credit your account if we do not receive your complaint or question in writing within 10 business days. For new accounts, it may take up to 20 business days to credit your account with the amount we believe to be in error.
         11. If we determine that there is no error, we will provide you with a written explanation within 3 business days after completing our investigation. If you have consented to receiving electronic communications from us, we may provide you with the results of our investigation electronically. You may request copies of the documents we used in our investigation. If we credit your account with funds while we are investigating an error, you must repay those funds to us if we conclude that no error occurred.
         12. Preauthorized Payments.

         Stop Payment Procedures

         1. If you approve the payment from your account once or more, please call 1-800-655-2265, contact Capital One Bank, PO BOX 85123, RichMond, VA 23285 in writing, or our web. You can suspend these payments by sending emails from the site (www. capitalone. com/bank) through the Internet. Payment request should be received at least 3 business days before the expected remittance date. In the case of Bill Pay ACH payment, cancellation or change after the processing starts is not possible. When requesting, please let us know your name, account number, and transfer account. If you offer by phone, you may be asked to submit a document to the above address and submit it within 14 days from the phone. If not, verbal requests will expire 14 days later.

         Change of amount

         If these regular payments fluctuate, the payment person must tell you when to pay 10 days before each payment and how much it will be. If you do not know this information, you may not be able to stop paying without canceling your account. (Instead, this notification should be provided, and instead, this notice should be received only if the payment is more than a certain amount from the previous payment, or if the amount exceeds the certain limit set by the customer. You can do that).

         responsibility

         If the customer ordered our company to suspend the transfer three or more business days of the scheduled transfer date, and we did not do it, we did not give the company a proper instruction so that the customer could stop the transfer. Except for the case, we are responsible for your loss or damage of the customer. We are not responsible if our computer system does not respond to customer's order because the customer did not provide accurate and correct information. Our responsibility for loss or damage is limited to the actual damage that the customer incurred, despite the procedure of the Company to avoid such errors due to a good intentional error. It may be done.

         When needed to complete the transaction

         Wire Transfer Disclosure Statement

         To confirm the existence and situation of the account with us at the request of a third party such as a credit investigation organization;

         When based on your writing permission;

         To obey the court order, government or administrative agency summoning, summoning warrant, orders, surveys, and/ or

         We receive a certification from a federal agency or department that the request for information complies with the Right to Financial Privacy Act of 1978.

         If, through no fault of ours, your account has insufficient funds to complete the transaction;

         If the funds in your account are not yet available for withdrawal;

         If the funds in your account are the subject of legal process;

         If you did not provide any instructions to transfer your account;

         If the failure is due to equipment failure of which we were aware before the transaction was initiated;

         If the failure occurs due to an act of God, fire or other catastrophe or any other cause beyond our control, despite reasonable precautions taken by us;

         If your password/PIN is reported lost or stolen and you are using the reported/suspended password/PIN;

         If we have reason to believe that the requested transaction is fraudulent;

         If you attempt to complete a transaction that is not permitted as described above;

         If you fail to provide correct account information for the destination account;

         If the transfer would exceed your credit limit, if applicable.

         There is insufficient cash in the electronic terminal to complete the transaction.

         In any event, we will only be liable for actual proven damages if the failure to perform a transaction results from a bona fide error, notwithstanding our procedures to avoid such errors.

         360 Checking Card - As you know, when you sign up for 360 Checking, you will automatically be asked to issue a card as your initial account.

         Your 360 Checking Card can be used to (i) make automated teller machine ("ATM") withdrawals, (ii) deposit cash or checks at any Capital One ATM that accepts Capital One deposits, and (iii) make purchases at the point of sale, including "cash back" transactions where participating merchants will debit your checking account.

         By using your card, you are authorizing us and/or our agents to debit your 360 Checking Account, including allowing you to use your overdraft facility and/or transfer funds from your linked free savings transfer account. We reserve the right to decline any transfer for security, credit, legal/regulatory, or other reasons as determined by us in our sole discretion, and you will be responsible for all transactions you authorize using your Card, including any resulting losses, fees, or penalties.

         Capital One does not charge fees for use of your Card at an ATM, but owners of non-Capital One branded ATMs may charge fees for use of their ATMs. If such fees apply, you must be told the amount before completing your withdrawal. For withdrawals, the amount of the withdrawal and the fees will be deducted from your default 360 Checking account at the time of the transaction.

         The Card is the property of Capital One, and you agree to discontinue use of your Card and to destroy it if your Account is closed or the Card benefits are cancelled.

         Transactions made with your Card in foreign currency and that MasterCard® classifies as "cross-border transactions" (transactions generally processed outside the United States) are called "Foreign Transactions". For transactions denominated in foreign currency, your Account will be credited in U. S. dollars. The exchange rate between the foreign currency and the U. S. dollar will be at a rate selected by MasterCard®. Basically, here's how MasterCard® calculates exchange rates: MasterCard® typically uses the government-mandated exchange rate or wholesale rate on the date the foreign transaction is processed (i. e., not the date you purchased it or the date it is posted to your statement).

         In this Wire Transfer Disclosure Statement and Agreement (the "Agreement"), the words "you" and "your" mean the account holder, and the words "we", "us" and "our" mean Capital One, N. A. This Agreement defines your responsibilities and our responsibilities with respect to depositing funds from your account with us to an account at another financial institution or to another account with us ("Wire Transfers"). You understand that your account will continue to be governed by the terms and conditions contained in any other agreements and/or disclosures provided in connection with your account, unless specifically modified by this Agreement. Unless otherwise defined in this Agreement, terms used in this Agreement shall have the same meanings as set forth in Article 4A of the Uniform Commercial Code and, to the extent applicable, the Electronic Funds Transfer Act (EFTA) and its implementing regulations.

         How to Request a Wire Transfer: To make a wire transfer, please log into our online wire transfer form and initiate a wire transfer request ("Wire Transfer"). The recipients and amounts of wire transfers under this Agreement may be limited. These limitations are designed to be flexible to protect the security and integrity of the Service and your Accounts, as well as you and all other users of the Service. They are subject to change at our discretion without prior notice, based on confidential fraud and inherent risk criteria. The types of wire transfers you may initiate, the intended recipients, and any applicable limits will be communicated to you when you set up your wire transfer online. We reserve the right to reject your wire transfer request. We may restrict the use of wire transfers for new accounts and newly added joint account holders.

         How to Execute a Wire Transfer: We may select any transfer method we deem appropriate, including but not limited to Fedwire. We may utilize correspondents, agents, subagents, funds movement and communication systems. Any such third party shall be deemed to be your agent, and we shall not be liable for any errors, delays, misdelivery, or non-delivery by such third parties, unless otherwise required by applicable law.

         Cut-off Times: There are cut-off times for processing wire transfers. If your wire transfer request is received by 2:00 PM ET and confirmed by our security procedures described below under "Security Procedures," the funds will be processed on the same Business Day. If your wire transfer request is received after 2:00 PM ET and confirmed by our security procedures, the funds may be processed on the next Business Day. Wire transfer requests received after our cut-off times may be treated as received on that Business Day or as received at the beginning of the next Business Day.

         

         Elim Poon - Journalist, Creative Writer

         Last modified: 27.08.2024

         Capital one even stated that the amount received was valid and was a good payment but then they turn around and closed all 4 accounts down. Their reason for. There are no fees to open, keep or use your Capital One Checking account, or for foreign transactions. Visit Checking Account Disclosures for more. InterestPlus Online Savings Account Acceptance Form Provides Capital One the authority to maintain an account, certifies that the taxpayer identification number.