Diseño de elementos no estructurales

returned unpaid because of insufficient or uncollected funds, the depositor of the check or the depositor’s bank may resend (“represent”) the check electroni- cally . That is, the depositor or the depositor’s bank may send the Bank an electronic instruction (“elec- tronic represented check”) to charge your Account in the amount of the check . If the Bank receives an electronic represented check from the depositor or the depositor’s bank, the Bank will pay or return the electronic represented check as if the original paper

check were being represented to it . The part of this Agreement titled “Electronic Fund Transfers” will not apply to any electronic represented check .

For an electronic represented check to be charged to your Account, all of the following must be true: • The electronic represented check must relate to a

paper check on a personal account that the Bank returned unpaid because of insufficient or uncol- lected funds;

• The paper check must not have contained an unau- thorized signature or an alteration and must not have been a counterfeit;

• You must not have placed a stop payment on the paper check after BNY Mellon IST returned it unpaid but before it was collected electronically;

• The paper check must have been less than $2,500 .00 in amount;

• The paper check must have been dated 180 days or less before the date on which the electronic repre- sented check is sent to the Bank;

• The electronic represented check must be for the face amount of the paper check only and may not include any collection fee charged by the depositor, the depositor’s bank, or a collection agency; • The payee of the paper check must have given you

notice that, if the paper check was returned unpaid because of insufficient or uncollected funds, the paper check could be collected electronically; • The electronic represented check must have been

sent to the Bank no more than twice after the first time the Bank returned the paper check, or no more than once after the second time the Bank returned the paper check;

• The electronic represented check must be an “item” as defined in Revised Article 4 of the UCC (1990 Official Text);

• The electronic represented check must contain a pre-printed serial number;

• The electronic represented check must indicate on the face of the document that the item was returned due to “not sufficient funds,” “NSF,” “uncollected funds” or comparable language; and

• The electronic represented check must be drawn on a consumer account .

You may have the right to cause us to reverse any ineligible or unauthorized electronic represented check that we charged to your Account . If you want to

reverse an electronic represented check because you placed a stop payment on the paper check to which the electronic represented check relates after the Bank returned the paper check unpaid but before it was collected electronically, you must notify Schwab within 15 days after we send or make available to you the periodic statement that reflects payment of that electronic represented check . If you want to reverse an electronic represented check for any other reason, you must give Schwab an affidavit within 15 days after we send or make available to you the periodic statement that reflects payment of that electronic represented check . In your affidavit, you must declare and swear under oath that the electronic represented check was ineligible or unauthorized . If Schwab receives your notice or affidavit within the 15-day period, we will recredit your account with the amount of the charge . Write to Schwab at: Charles Schwab & Co ., Inc ., Schwab One Department, M .S . 03-408, 9601 E . Panorama Circle, Englewood, CO 80112-3441 . If you wish to stop payment of any electronic repre- sented check, you must follow the procedures con- tained in this Agreement for stopping payment of checks, not the procedures contained in the section for stopping payment on Electronic Fund Transfers . 24. Errors or Questions About Your Electronic

Fund Transactions

In case you think that there is an error in your state- ment about an Electronic Fund Transfer, call us toll- free as soon as possible at 1-800-421-4488, Monday through Friday, 10:00 a .m . to 7:00 p .m . eastern time . Or write to us at Charles Schwab & Co ., Inc ., Schwab One Department, M .S . 03-408, 9601 E . Panorama Circle, Englewood, CO 80112-3441 .

Overseas customers can call us collect at 1-317-596-4502 .

We must hear from you no later than 60 calendar days after the date we sent the first statement on which the problem or error appeared . If you tell us orally, we may require you to send us your complaint or question in writing within 10 Business Days . We’ll need the following information:

• Your name and account number,

• A description of the error or transaction you’re unsure about,

• A clear explanation of why you believe it’s an error or why you need more information, and

• The dollar amount of the transaction or suspected error .

We will tell you the results of our investigation within 10 Business Days after we hear from you and will correct any error promptly . If we need more time, however, we may take up to 45 days to investigate your complaint or question .

If you are a new customer and the error or question concerns an Electronic Fund Transfer that occurred within 30 days after the first deposit to the Schwab One® Account was made, we will tell you the results of our investigation within 20 Business Days after we hear from you . If we need more time, we may take up to 90 days to investigate .

In addition, we may take up to 90 days to investigate if the error or question relates to an Electronic Fund Transfer that was initiated outside the United States . If we decide we need the additional time to investi- gate your complaint or question, we will provisionally credit your account within 10 Business Days (or 20 Business Days for errors or questions relating to transactions that occurred within 30 days after the first deposit to the Schwab One® Account was made) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation . If we ask you to put your complaint or question in writing and we do not receive it within 10 Business Days (or 20 Business Days if applicable), we may not credit your Account . We will tell you the results within three Business Days after completing our investigation . If we decide that there was no error, we will send you a written explana- tion . You may ask for copies of the documents that we used in our investigation .

25. Use of Check Images and Substitute Checks