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I I'll ill The services described herein (each a ''Service") are subject to Pie Bank's Account Terms (as may be arnended from finle to hn/a.whJcb are hereby Incorporated byre4xn»nno into each Service Terms. 8y using any mf the Services described hereunder, the CUtdorner acknowledges that it has received and agreed to the Account Terms, a% supplemented by those Service Terms Capitalized terms in the Service Terms, unless otherwise defined herein, shall have the meanings set forth in the Account Terms Part k Service Terms — Consolidated Service Terms Booklet The Automated Clearing Mvv (ACH) is a batch processing payment system trial U S. banks use to exchangie and settle credit and debit transactions on behalf of their clients or themselves Tire origination ofACH Entries and the transmission and issuance of related transactions and information will be pursuant to these terms and the Operating Roles and Guidelines (collectively the 'Rules") of the National Aulornated Clearing House Association Capitalized terms used In this subpart, unless otherwise defined in this subpart shall have the same meanings as set forth in the Rules. The Customer and the Bank agree to comply with and be bound by the Rules as in effect from time to fund, inctuding without limitation, the provision making payment of a Credit Entry by an RDF1 to the Receiver provisional until receipt by the RDIFI of final settlement for such Credit Entry and the Customer acknowledges that it has received notice of such rule and of the fact that if such senjement is not received, the RDFI will be enflided to a refund from the Recewer of the amount credited and the Customer will not be deemed to have paid the Receiver the amount of such Credit Entry Service. The Bank provides ACN origination Services that will enable the Customer md d the Yvo ACH Debit Enlries� (2) originate ACH Credit Enhirds: and (3) issue paper drafts in lieu of ACH Debt Entries i"Drafa'� In conjunction with originating Entries or Drafts, the Customer may instruct the Bank to issue or transmit pre-norifirations, requests for reversal or return, notifications of change or other information pertaining to the Entries Origination of ACH credit Entries and origination of ACH Debit Entries jor Drafts) are two separate Services add approval or setup of one ACH Service does not automatically create the ability to utilize the other It is the Cusonmhs responsibility provide Entres and instructions to the Bank with all the necessary Information to complete the Customer's requested (m000dmoo. The Bank may reject w delay processing transactions or Information if instructions are not complete or are inaccurate, contain an inactive Company ID or otherwise do not meet the criteria the Bank specifies for acceptance. wl|oohudmnnto&e Bank must be received by the Bank before the Bank's established cutoff time in order for processing to cwnm*ocwoo that ACHprocessing day Ainy hushuchoo that is incornipliele or that the Bank finishes receiving after the relevant cutoff time will bo processed mvthe Bank un the nmu,daythe Bank processes ACW transactions All transactions are subject <vacceptance by the Bank. The Bank will notify the Customer of any transactions of other transmissions that are nelrcmdm returned. || the Customer wants the Bank to reprocess those transactions or transmissions, the Customer must correct them and resubmit them The Customer agrees m furnsin the Bank with copies of any authorizalions or noirficationSr if requested Security arid Data Protection Procedures; Examination. K the Bank follows agreed upon nma/my procedures, the Bank may process and transmit *aosac$vn*m information in the G"stvw*/sname Unless the Customer and the Bank otherwise agree, transmissions to the Bank will be authenticated andlor encrypted using commencially reasonable security technologies meeting .standards acceptable m the Bank x the cmnoner uses a security procedure other than as described |^ the preceding sentence, the Customer acknowledges that the Customer chose cvr:ot,`*rvwvo",y procedure after the Bank offered, and the Customer dod.omd, the option of authenticating or encrypting and the Customer to be bound by any tiransaction, whether or not authorized, issued in the Customer's name and accepted by the Bank in compliance with the security procedure the Customer chose, If the Customer elects not to utilize lecommended message aurtriernication and/or encryption technology, the Customer assumes all responsibility for unauthorized disclosure. or unauthorized access to the Customer's data that occurs, during transirrisson or whtle such data is in starage The Customer shall provide the Bank with ongoing access .atBank a request, m all Originators' files, purtom, upon notice from Bank, the Customer shall provide such auditors and other Bank personnel oo Bank may, from time wtime, designate m writing with reasonable access at all reasonable firres, to the Customer's farrilities, data arid records relating to the inducon of Entries for the purpose of performing audits ao verify the Customers compliance with these Service Terms and the Rules The Customer shall provide and shall cause its subcontractors toprovide, such auditors and personnel airy assistance trial they may reasonably require Settlement arid Exposure Limits. Subject b,firs subpart, vo the settlement dale, the Bank will credit the Customer t account with the Bank that the Customer specifies for the total ot(,) the Customer s debit Entries that the Bank processed for settlement that dey, (a cwMo issued for deposit to|h*C*nmm*rowscovnt on that day' and (3xeyxxomaun,mvmrmedCm*itEntrmm The Bank may ummy the *vW|:W||ty*fmod* deposited into the Customer's account d~Mt Entry *r draft until those transactions cannot bo reversed |o accomance with the Rules or applicable law I he Bank will debit the Customer a Account with the Bank that the Customer specifies for the total of credit Eum*» processed iotire Customers name and for any returned Debit Entries and Drafts. i he Bank may require the Customer to pay the Dank the amount of �� ��U �m�