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any credit Entries mo the date *| m the Bank *, otherwise, prior m the settlement date. The Batik also may require the
<br />CLhaonner to maintain collateral with the Bank in air amount the Bank specifies,
<br />T$oRank may from time to time establish or revise maximum dollar limits for the total value of all outstanding files at credit Entries
<br />anchor debit Entries and Drafts that the Bank will release air the Customers behalf. The Bank may change o, cancel the limits at ally
<br />time without prior notice to the Customer, although the Bank will try to notify the Customer before the Bank does that
<br />Warranties; |nWowni|y. Except aospecified below, the Customer will bo deemed m make the smme warranties m the Bank mothe
<br />Bank makes pursuant to the Rules In the ease of an Entry originated to another account with the Bank, warrandes will mn deemed to
<br />be given as of the time the Bank first processes the Entry. The Customer will not be deemed to warrant the power m the Bank kinder
<br />applicable law to comply with the requirements of the Rules or the conformity of Entries and other data the Bank transmits to the file
<br />specifications contained m the Rules. The Customer further represents, warrants and acknowledges that each Entry and Draft i/
<br />originates will comply with all applicable U.8, laws and equations and acknowledges that Entries may not beiN|wwd that violate the
<br />laws of li, United States
<br />The Customer agrees m.ouemw*y the Bank and the Bank's employees, officers, directors and agents and hold all of them harmless
<br />from and against any and all claims, demands, assers, xammma w expenses (including and costs) resulting directly or
<br />indirectly from (1) the Customer's breach vY any warranty made order this section and (2)compliance by Bank and the RDF| with any
<br />request the Customer makes for a cancellaborr, stop payment, reversal or recMl of any Entry.
<br />Stop Payments; Reversals and Recalls. Customer's instruction to cancel, step payment of, reverse or recent one or more Entries
<br />must be received by Bank in such time sort m*wnw,"s Bank *,+r0u* Bank will pwca*t, these transactions in*oc*rd,"*w with Qa"Ks
<br />procedures advised to Customer Entries r, other instructions may not ue amended u,modified
<br />Third-Party Semice Providers. The Customer may choose to use a third-party service provider of service bureau to issue Entries or
<br />other instructions, handle returned Eol at perform other functions for and on the Customer's b*hwlf. If the Bank accepts such
<br />Entries or other motmchmni the Customer will b* bound by them. The Customer ., responsible for ail actions taken vr not taken bythe
<br />Cuslorner's provider, and the Customer is responsible for all costs and expenses of the Customers provider
<br />Tm,d'Pai*y Sender, If tile Customer is a Third-Party Sender, as such term is hereafter defined, (a) the Customer warrants that the
<br />Originator has be bound by the Rules and has satisfied the obligations of an Originator under 8mMo (b) in any case
<br />where me0riginattor fa4s; to perform its obligations tinder the Rules as an, Originator, the Customer shall indenturry, defend and hold
<br />the Bank hamnless front and against any and all claims, dernands, losses, liabilities and expenses, including attorneys' fees and costs,
<br />that resuh directly or indirectly from the failure of the Originator to perform its obligations as an Originator under the Rulea� (c) the
<br />Customer agrees to cooperate with the Bank regarding any request for information concerning the identify of any Crrgirraftir� slid (d:) the
<br />Customer represents, warrants and covenants that neither these Service Terms nor anydring related to the ACH Origination Services
<br />violates, contravenes or is inronsistent with any of the terms, conditions of provisions of any agreement, understanding or arrangement
<br />between the Customer and fire Originator Further, the, Book will rely on the Cushomer to evaluate the legitimacy of the Orginalars, and
<br />their transactions originated by the Customer and for ensuring that instructions do not nvc4ve iille,gall activities, The Customer hereby
<br />represents and warrants to Bank that Customer (a) conducts due diligence on each Originator for which the Customer is furbaling
<br />Entries in accordance with "Know Your Customer' policies and procedures maintained by Customer that provide for the gathering of
<br />information relating to the origunikers principal business activi6es and geographic location and verification that the Originator is
<br />operating a legitimate business and q) regularly monitors its Originator's ftansactionis for suspicious activities Upon request by the
<br />Bank, the Customer shelf promptly provide to the Bank Customer's written due diligence heirctes and procedures and results of
<br />monitoring activities
<br />The Curnerner must notify the Bank immedi of an
<br />Originator that the Customer believes may be of an illegal or illegitimate nature or that involves the proceeds of illegal activity or that
<br />was conducted, in part or wirde, for the purpose of disgulsingi the source of funds. The Bank will be enfifled at any time upon notior to
<br />the Customer to decline to provide the ACH Origination Services, or terminate the provision of ACH Origination Services, for ally
<br />Originator oil whose behalf the Customer is originating Entries if the Barilk determines thru there are excessive reunns of reversas of
<br />Entries originated on behalf of such Originator or H the Bank becomes aware of any information indicating suspicious, fraudulent or
<br />illegal activity related to such Originator or for any other reason. Customer strall provide the Bank with arguing access, at Bank's
<br />request, to all Originates' files Furtheir, upon refuse from the Bank, the Customer shelf provide Such auction and other Bank
<br />personnel as fire Bank may, from thus to time, designate n writing with reasonable access at all reasonable times to the Cusiormer's
<br />facilities, data and records relanfing to the trifiaien, of Entries for the purpose of performing audits to verify the Customef's coluipliallice
<br />with this section As used herein, "Third-Pauty Sender'' shall mesh a person who is not an Originator, who has authorized an ODFI or
<br />another Thire-Party Sender to transunt for the account of the Timin-Parly Sender at another Thod-Party Sender, (!I a credit entry to the
<br />account of a Receiver with an RDIFI, or if the Recerver is also the RDFl, to such Receiver, in order to effect a payment from the
<br />Originator to the Receiver, or tin) a debit entry to the account of a Receiveir, or if the Receiver is allso, fire RIDIFI, to such Receiver, in
<br />order to affect a payment from the Receiver to the Originator
<br />IAT Entries. If Cusemer is originating Enfires that are required to be formatted under the Rules omfAJEoiCowhmor will comply
<br />with all applicable Rides relating bolero, and Customer will originate such Entries only through one nf Bank's ACH origination channels
<br />that support mrorigination Some of Bank's ACH origination channels do not accommodate LAT Entries, upon request, tile Bank wiill
<br />advice Customer as to which of Ban�k's Aai ariginationchannels can be used for IAF origination
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