Application 4

WOW Gym (tax ID: 1129988333) collects monthly dues from members and prepares an ACH file.

The ACH file is sent to WOW Gym's financial institution, PPP Trust (routing number: 112300478). PPP Trust receives the information and prepares the ACH file for delivery to its ACH Operator (VII Services).

NAME	McPearson, Jessie
MEMBER ID	M39987432
DUES	$500.00
FI	EEE Bank
RTN	14300390
ACCT #	63636-18273-03287

NAME	Oneil, Sharon
MEMBER ID	Y40984303
DUES	$500.00
FI	EEE Bank
RTN	14300390
ACCT #	87490-29743-84787

Original entries are received by the RDFI, but EEE Bank cannot post the $500.00 entry for Jessie McPearson's account because of the return reason code 'R02' (Account Closed).

EEE Bank also failed to post the $500.00 for Sharon Oneil's account because of the return reason code 'R01' (Insufficient Funds).