Electronic Fund Transfers Disclosure

Electronic Fund Transfers Disclosure

(Consumers Only)

YOUR RIGHTS AND RESPONSIBILITIES

These are the types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations with respect to Electronic Fund Transfers. The protections described within this disclosure apply to a consumer’s account (an account used for personal, family or household purposes). Business Accounts do not have the same protections provided to consumers.  You should keep this notice and retain it for future reference.

Electronic Fund Transfers Initiated by a Merchant or Other Third Party – You may authorize a merchant or other third party to initiate electronic fund transfers between your account and the merchant or third party’s account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearinghouse (ACH) or other payments network. Your authorization to the merchant or other third party to make these transfers can occur in a number of ways. In some cases, your authorization can occur when the merchant or other third party posts a sign informing you of their policy. In all cases, the transaction will require you to provide the merchant or other third party with your account number and bank information. This information can be found on your check as well as a deposit slip. Thus you should only provide your bank and account information (whether over the phone, the Internet, or via some other method) to trusted merchants and third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to:

  • Preauthorized Credits – You may make arrangements for certain direct deposits such as U.S. Treasury (Social Security) or from employers (payroll) to be accepted into your checking, money market or savings accounts.
  • Preauthorized Payments – You may make arrangements to pay certain recurring bills from your checking, savings or money market account.
  • Electronic Check Conversion – You may provide your check to a merchant or other third party who will scan the check for the encoded bank and account information. The merchant or other third party will then use this information to convert the transaction into an electronic fund transfer. This may occur at the point of purchase or when you provide your check by other means, such as by mail or drop box.
  • Electronic Returned Check Charge – Some merchants or other third party will initiate an electronic fund transfer to collect a charge in the event a check is returned for insufficient funds.

Same-Day Electronic Payments Certain payments processed through the Automated Clearing House (ACH) may be deducted from your account on the same-day you initiate or authorize the payment.    

For example, an ACH transaction may be created and deducted from your deposit account when you provide or enter our bank’s nine-digit routing number (031302997), along with your deposit account number, to make a payment or transfer from your deposit account on a website or over the telephone. Keep in mind, paper checks that you write may also be converted by the payee to an ACH transaction.    

We have no control when an ACH transaction will be presented and deducted from your account as this will depend upon how the originator (i.e. a company, merchant or person to whom you are paying or transferring money) and the originator’s bank process the transaction.

Because ACH transactions may clear through your account on the same-day, we recommend that you make sure your deposit account has sufficient available funds before you initiate or authorize ACH transactions or write checks on your deposit account to avoid insufficient or uncollected fund charges.

Same-day electronic payments do not affect the processing of debit card transactions and scheduled or recurring ACH transactions, which will be deducted from your deposit account on the scheduled date.

ATM Transactions – Allpoint, Accel, and Plus Networks types of transfers and dollar limitations – You may access your accounts by ATM using your American Bank ATM Card and personal identification number (PIN) or Visa Debit Card and personal identification number (PIN) to:

  • Get cash withdrawals from checking, savings or money market account(s) with an ATM Card or Debit Card.
    • You may withdraw no more than $500 per day.
  • Transfer funds from checking to checking, savings or money market account(s) with an ATM Card or Debit Card.
  • Transfer funds from money market to checking, savings or money market account(s) with an ATM Card or Debit Card.
  • Transfer funds from savings to checking, savings or money market account(s) with an ATM Card or Debit Card.
  • Make deposits to checking, savings or money market account(s) (only at ATMs we own or operate).
    • You may deposit no more than $10,000 per day.
  • Make loan payments from checking, savings or money market account(s) to American Bank (only at ATMs we own or operate) with an ATM Card or Debit Card.
  • Get information about the account balance of your checking, savings or money market account(s).

Some of these services may not be available for all accounts or at all terminals. Please refer to the “ATM & Point-of-Sale Transaction, frequency limitations” section and “Limitation on Frequency of Transfers” in this section regarding limitations that apply to ATM and Debit Card transactions.

Surcharge Free Networks – You will not incur a surcharge when you withdraw cash using your American Bank ATM Card or Debit Card when these logos are displayed: Allpoint and Accel if the financial institution participates in the No SUR! surcharge-free program. To locate surcharge free ATMs, visit our website /tools-resources/find-a-surcharge-free-atm/.

Debit Card Point-of-Sale Transactions - Visa, Accel and Plus Networks

You may access your checking accounts anywhere the Visa, Plus and Accel logos are displayed, to purchase goods (in person, by phone or by Internet), pay for services (in person, by phone or by Internet), get cash from a merchant, if the merchant permits or from a participating financial institution, and do anything that a participating merchant will accept.  Please refer to “Other Fees & Charges Disclosure” when overdraft or uncollected fees may apply.

Dollar and Frequency Limitations

  • Point-of-Sale Transactions using your Debit Card, dollar limitations – You may not exceed $2,500 in transactions per day with a Debit Card provided the funds are available in your account. Please refer to “Other Fees & Charges Disclosure” when overdraft or uncollected fees may apply.
  • ATM & Point-of-Sale Transactions, frequency limitations – Transaction limitations apply to your ATM or Debit Card usage within a 24 hour period, which is calculated from the time of the last transaction. These limitations include: approved transactions, denied transactions and balance inquiries.
    • ATM Card – 4 ATM transactions, with a maximum not to exceed 4 transactions
    • Debit Card – 25 POS transactions and/or 4 ATM transactions, with a combined maximum not to exceed 25 transactions
    • Business Debit Card – 15 POS transactions and/or 4 ATM transactions, with a combined maximum not to exceed 15 transactions

Fraud Protection for your ATM Card and/or your Visa® Debit Card – Your financial protection is our primary concern, and we are committed to providing you with the most advanced fraud protection solutions available in the market place. In keeping with this commitment, we have implemented a tool which allows us to restrict ATM and Debit Card use in countries identified by us as having a high volume of fraudulent activity (“Blocked Countries”).  Therefore, before traveling outside the United States, you should check our website and review the list of Blocked Countries or call us at 610.366.1800 or 888.366.6622.  As situations may warrant, our list of Blocked Countries may change in the future, so please refer to our website, AMBK.com, or call us at 610.366.1800 or 888.366.6622  to obtain the most current list of Blocked Countries.  If you are planning to travel to a country listed in our "blocked" list, please give us a call so that we may discuss alternative means of accessing cash while you are away.

Fraud Notification Alerts - When we suspect fraudulent ATM or Debit Card activity, we will attempt to contact you to verify the activity, but we are not liable in the event we are unable to do so. You agree we may contact you at any phone number (including mobile, wireless/cellular, or similar devices), email address or mailing address within our records. We may contact you by live operator, auto-dialer, recorded or artificial voice, text, or email.  When you receive an alert from us, you may (i) verify the activity in question; (ii) accept or refuse the involved transaction(s); or (iii) speak to one of our representatives about the activity in question. If you receive an alert from us and you are not sure if it’s legitimate, please contact us at 610.366.1800 or 888.366.6622. You may opt-out of text messages at any time by contacting us to remove your cellular phone number from the alert profile. You agree to pay any charges from your plan provider for communications we may send you, as well as communications you send to us.

Monitoring Activity – We monitor ATM and Debit Card transactions for suspicious activity and fraud. In our sole discretion if we believe that such activity is occurring we may suspend or revoke transaction activity privileges. In such an event we will attempt to contact you, but shall have no liability in the event we are unable to do so. In no event shall we be liable for any such suspensions or terminations of transaction privileges, or if we do not suspend or terminate such privileges.

Advisory Against Illegal Use – You agree not to use your account to conduct transactions relating to unlawful internet gambling or any other illegal activity. We may refuse any gambling transaction, whether lawful or not. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the Cardholder may be located.   

Foreign Multi-Currency Transactions – When you use your Debit Card or ATM Card at a merchant, financial institution or an ATM that settles in a foreign currency, the transaction will be converted into a U.S. dollar amount. We will charge your account in U.S. dollars based on the exchange rate on the day we settle the transaction, plus any special currency exchange charges that may be imposed by us, the Visa network and/or by any third-party used to complete the transaction. The exchange rate applied to each such transaction is either:

  • A rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives; or
  • The government-mandated rate in effect for the applicable processing date;
  • In each instance, plus 1.00%.

The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date.

This 1.00% adjustment is made for all international transactions when there is a currency conversion associated with the transaction.

Foreign Single-Currency Transactions – When you use your Debit Card or ATM Card at a merchant, financial institution or an ATM outside of the United States and no foreign currency is involved, we will charge your account in U.S. dollars on the day we settle the transaction, plus any special charges that may be imposed by us, the Visa network and/or by any third-party used to complete the transaction.

  • The fee applied for each such transaction is 1.00%.

The single-currency transaction fee will not be assessed for:

  • Transactions originating on U.S. military bases, U.S. embassies and consulates.
  • Transactions originating in U.S. territories.

Account Updater ServiceAs an added convenience, this service enables a secure electronic exchange of your most recent Debit Card account information for recurring payment transactions with participating card-on-file merchants. Examples include utility companies and subscription services (i.e., Netflix). This feature will automatically provide a participating card-on-file merchant with information such as a change to your expiration date, account number or a new card issued, which eliminates your time in having to manually update this information with the participating merchant. Through this service you have a seamless account update process eliminating direct action on your part and also reduces negative experiences caused by declined transactions. You benefit by uninterrupted service from participating card-on-file merchants. To opt out of this service or if you opted-out previously and would later like to opt-in, please contact Customer Service at 610.366.1800 or toll-free at 888.366.6622

Additional Card Information

  • Your ATM Card and Debit Card are the property of American Bank.
  • For security reasons, if you do not activate your ATM Card or Debit Card within 90 days of receiving it, we will cancel the card.
  • We reserve the right to restrict and/or deny an individual’s ATM or Debit Card privileges at any time and/or to restrict ATM or Debit Card access for any country outside of the United States at any time.
  • Unless prohibited by applicable law and where notice is required by law, we reserve the right to: modify your ATM or Debit Card limit, cancel your ATM or Debit Card at any time or refuse to allow further transactions at any time without notice to you. You agree the ATM or Debit Card is not transferable. Once your ATM or Debit Card is cancelled, you agree to return the card to us or to destroy the card.  
  • We will not be responsible for any merchant’s refusal to honor your Debit Card. Also, only stop payment requests from you or the cardholder who authorized the transaction will be honored. However, because Debit Card transactions are often processed immediately, stopping or amending payment is difficult and we cannot ensure that any request you make will be effective. In order to be effective, we must receive your request in time to give us a reasonable opportunity to act. Only you may release a stop payment request.
  • When you use your Debit Card to rent a vehicle, hotel room or to make certain purchases, the rental company, hotel or other merchant (collectively referred to as the “merchant”) might initiate a debit hold on your deposit account at that time. Merchants may initiate debit holds for various reasons, including (but not limited to) satisfying any “security deposit” requirement agreed to by you with the merchant or ensuring that you have available funds in your account when you return the rented vehicle, check out of the hotel or otherwise complete your purchase. Funds in your account that are subject to a debit hold will not be available to pay checks or other items, or for other withdrawals or transfer requests. If you provide your account number or Debit Card to a person to complete a transaction, you authorize us to honor any debit hold or withdrawal request from such person. We have no control over when a merchant “releases” any debit hold that you previously authorized. You acknowledge and agree that when a merchant does send us a request to release a debit hold the released funds will not be available to you for withdrawal until we have had a reasonable opportunity to process the merchant’s instructions. In a very small number of cases, when the actual transaction varies from the amount of the hold that was placed at the time of the authorization, we may not be able to match the actual transaction to the hold. In this event, the amount of the transaction will be debited from your account and the hold will remain in place until it expires.

Online and Mobile Banking Transactions – With internet access and your sign-on
credentials, you may use our online banking service with: a personal computer  or eligible mobile device by logging in to our website, AMBK.com to:

  • Transfer funds from checking to checking, savings or money market.
  • Transfer funds from savings to checking, savings or money market.
  • Transfer funds from money market to checking, savings or money market.
  • Transfer funds from line of credit to checking, savings or money market.
  • Make deposits through your eligible mobile device to checking, savings or money market accounts.
  • Make payments from checking, savings or money market accounts to loan accounts with us.
  • Make payments from checking to third parties from your checking account in the amounts and on the days you request.
  • Obtain monthly account statement for checking, savings and money market accounts.
  • Transfer funds from another financial institution to your American Bank checking, savings or money market account.
  • Stop payment on a check from your checking or money market account.
  • Get information about:
    • Account balance of checking or money market accounts.
    • Account balance of savings accounts.
    • Account balance of certificate of deposit (CD) accounts.
    • Account balance of loan and line of credit accounts.
    • Interest accrued to your checking, savings, money market and CD accounts.
    • Transaction history for checking, savings, money market and CD accounts.
    • Transaction history for loans and lines of credit.
    • Last statement date for checking, savings and money market accounts.
    • Last statement balance for checking, savings and money market accounts.
    • Interest paid year-to-date for checking, savings, money market and CD accounts.
    • Interest paid year-to-date for loans and lines of credit.
    • Interest rates, term of loan or CD accounts, renewal dates, maturity dates, stop payment or changing your online password.

Some of these services may not be available on all accounts or through all access methods. 

American Bank owns and operates the official websites such as: AMBK.com, AmericanBank.bank and m.ambk.com. We reserve the right to restrict and/or deny online and mobile banking access privileges at any time and/or to restrict online and mobile banking access within any country outside of the United States or any high‑risk or unknown IP address, regardless of location, or if we are suspicious of any online behavior.

Other Electronic Transfers – You may also transfer funds via ACH transfer from your accounts at U.S. depository institutions, other than American Bank, to your designated eligible account at American Bank, by entering payment instructions on American Bank’s website. Before you are eligible to do this, you will be required to confirm certain criteria and provide us with proof of your authorization to initiate a debit from the other account. Follow the instructions that we provide online. With approval and your authorization, we will move funds into your designated account from eligible U.S. deposit accounts. Please refer to “Other Fees & Charges Disclosure” elsewhere in this Agreement or on our website to determine if this transaction is subject to a fee. You acknowledge that the origination of ACH transactions to your account must comply with the provisions of U.S. law.

FEES

  • We do not charge for direct deposits to any type of account.
  • We do not charge for preauthorized payments from any type of account. Except as indicated elsewhere, we do not charge for electronic fund transfers.
  • ATMs owned and operated by American Bank may be accessed at no charge. All ATMs owned and operated by American Bank will be identified as American Bank ATMs.
  • We will not charge you a fee when your account is overdrawn as a result of an ATM and one-time debit card transaction using an ATM Card or Debit Card. Please refer to “Other Fees & Charges Disclosure”.
  • We charge a fee to replace a lost/stolen or damaged ATM/Debit Card. Please refer to “Other Fees & Charges Disclosure”.
  • We charge a fee for each insufficient funds and uncollected funds item paid or returned to a maximum of 4 items per account per day. Please refer to “Other Fees & Charges Disclosure”.
  • We charge a fee for processing an international ATM/Debit Card transaction when single or multi-currency conversions occur. Please refer to “Other Fees & Charges Disclosure”.

ATM Surcharges/Access Fee – When you use an ATM that is not owned and operated by us, you may be charged a surcharge/access fee by the ATM operator and/or by any network used to complete the transfer, and you may be charged a fee for a balance inquiry even if you do not complete a funds transfer. In addition, you may be charged a surcharge/access fee for ATM or manual cash disbursement transactions initiated outside of the U.S. region by the ATM owner.

DOCUMENTATION

Terminal Transfers – You can get a receipt at the time you make a transfer to or from your account using an automated teller machine or point-of-sale terminal. However, you may not get a receipt if the amount of the transfer is $15 or less.

You should receive a receipt from a merchant when:

  • the merchant initiates a transaction without reference to the cardholder, such as recurring and installment transactions;
  • a receipt is required to make a refund, or when there are restrictive conditions on the sale; or
  • you request a receipt.

The merchant will generally provide a paper receipt to you, but may provide an electronic receipt at your request.

Preauthorized Credits – If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can access your account online at AMBK.com or call us at 610.366.1800 or 888.366.6622 to confirm whether or not the deposit has been made.

Periodic Statements – You will get a monthly account statement from us for your checking, money market and savings account.

PREAUTHORIZED PAYMENTS

Right to Stop Payment and Procedure for Doing So – If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here is how: call us at 610.366.1800 or 888.366.6622 or write us at 4029 W. Tilghman Street, Allentown PA 18104 in time for us to receive your request 3 business days or more before the payment is scheduled to be made. Please refer to “Additional Card Information” within this section for additional information and to “Other Fees & Charges Disclosure” for the amount we will charge you for each stop payment order you give.

Notice of Varying Amounts – If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.)

Liability for Failure to Stop Payment of Preauthorized Transfer – If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

OUR LIABILITY

Liability for Failure to Make Transfers – If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable, for instance:

  • If through no fault of ours, you do not have enough money in your account to make the transfer.
  • If the transfer would go over the credit limit on your overdraft line, if you have one.
  • If the transfer will exceed the limitations of your savings or money market account.
  • If the automated teller machine where you are making the transfer does not have enough cash.
  • If a merchant refuses to accept your Card.
  • If an ATM rejects your Card.
  • If the terminal or system was not working properly and you know about the breakdown when you started the transfer.
  • If circumstances beyond our control (such as interruption of telephone service or telecommunication facilities, fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
  • If your account is “frozen” or subject to legal process or other encumbrance restricting transactions, or your card is reported lost or stolen.
  • If the funds in your account are uncollected or otherwise unavailable.
  • If you have not provided us with complete and correct payment information, including without limitation, the name, address, account number and payment amount on a bill payment.
  • If we close our facilities early (i.e., closing early immediately prior to the start of a holiday, weather conditions, etc.).

There may be other exceptions stated in our agreement with you.

DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES

We will disclose information to third parties about your account or the transfers you make:

  • Where it is necessary for completing transfers; or
  • In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or
  • In order to comply with government agency or court orders, or investigations or examinations by our bank regulators;
  • If you give us written permission; or
  • As you may have otherwise authorized in other agreements with us.

CONSUMER LIABILITY

Tell us AT ONCE if you believe your card and/or code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all of the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days after you learn of the loss or theft of your card and/or code, you can lose no more than $50 if someone used your card and/or code without your permission.

If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or code without your permission if you had told us, you can lose as much as $500.

Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time period.

If you believe your card and/or code has been lost or stolen call us at 610.366.1800 or 888.366.6622 or write us at American Bank, Customer Service Dept., 4029 W. Tilghman Street, Allentown PA 18104.

You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission.

Additional Limit on Liability for Visa Debit Cardholders – Unless you have been negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen Visa card. This means that you could be liable for unauthorized activity if you failed to take ordinary care that a reasonably prudent person would have exercised in a similar situation. This additional limit on liability does not apply to ATM transactions outside of the U.S., to ATM transactions not sent over Visa or Plus networks, or to transactions using your Personal Identification Number which are not processed by Visa. Visa is a registered trademark of Visa International Service Association.  

Visa Business Cardholders: For unauthorized transactions completed with your Visa Business Card, we may require the notification of unauthorized transactions to be received by us within 60 calendar days of the mailing date of the first statement showing unauthorized transactions. 

If you believe your card and/or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call us at 610.366.1800 or 888.366.6622 or write us at American Bank, Attn. Customer Service, 4029 W. Tilghman Street, Allentown PA 18104.

Non-Visa Debit Transaction Processing – We have enabled non-Visa debit transaction processing. This means you may use your Visa Debit Card on a PIN-Debit Network without using a PIN to authenticate your transactions.  (Visa Rules generally define “PIN Debit Network” – as a non-Visa debit network that typically authenticates transactions by use of a personal identification number, or “PIN”, but that is not generally known for having a card program.)  An example of a non-Visa debit network for which such transactions are enabled is Accel.

Examples of the types of actions that you may be required to use to initiate a Visa debit transaction with your Debit Card include: signing a sales receipt; providing a card number over the phone or via the Internet; or swiping the card through a point-of-sale terminal.

Examples of types of actions you may be required to make to initiate a non-Visa debit transaction on a PIN-Debit Network include; entering a PIN at the point-of-sale terminal; initiating a payment directly with the biller (possibly via telephone, Internet, or kiosk locations), by providing an account number or other information that is not your PIN to authorize the transaction after clearly indicating a preference to route it as a non-Visa transaction. 

The provisions of your agreement with us relating only to Visa transactions are not applicable to non-Visa transactions. For example, the additional limits on liability (sometimes referred to as Visa’s zero-liability program) and the streamlined error resolution procedures offered on Visa debit card transactions are not applicable to transactions processed on a PIN-Debit Network.

ERROR RESOLUTION NOTICE

In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed in this disclosure, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

  • Tell us your name and account number (if any).
  • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
  • Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will determine whether an error occurred within 10 business days (5 business days for point-of-sale transactions processed by Visa and 20 business days if the transfer involved a new account) after we hear from you. We will then correct any error promptly. If we need more time, however, we may take up to 45 calendar days, (90 days if the transfer involved a new account, a point-of-sale transaction or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days, (5 business days for point-of-sale transactions processed by Visa and 20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or questions in writing and we do not receive it within 10 business days, we may not credit your account. We may withhold provisional credit for point-of-sale transactions, to the extent allowed under applicable law, if the delay is warranted by the circumstances or your account history. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened.

We will tell you the results of our investigation within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation.

You may ask for copies of the documents that we used in our investigation.

Write us at:

American Bank
Attention: Customer Service
4029 W. Tilghman Street
Allentown, PA 18104

Call us at:

610.366.1800 or 888.366.6622

Business Days:

Monday through Friday, excluding federal holidays

8:00 A.M. to 5:00 P.M. (ET)

Rev 07.22