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If a foreign currency conversion is performed by Bank in connection with an IA,I Entry, Customer acknowledges that the foreign currency exchange rates ttucfuate, and accepts the risk of such fluofoatlon, Including fluctuations in rate between the time Customer submits the Entry Data Instructions and the time the transaction is executed and/or reversed, returned or recalled.. Any payment . returns and/or reversals will he credited to Customer's amount In the currency in which Customers account is denominated. and Customer is responsible for any rate fluctuations. In the event of an erroneous or duplicate NAT Entry originated for payment to a receiving bank outside the United States„ the rights of Bank and Customer with respect to reversal or recall of such Entry are subject to the laws„ regulations and payment system rules of the receiving bank's jurisdlchon. Customer acknowledges and agrees that IAT Entries may be delayed in processing or posting due to the Bank's or RDFI's review of such Entries for OFAC compliance. Further, Customer understands and acknowledges that ruoll'ke RED Credit Entries there is no requirement under the Rules that 1647 Credit Entries that are made available to err RDFI by is ACH coveter by 5M pm on the banking day prior to the Settlement Date be made available to the Receiver at the opening of business on the Settlement Date; cleared IAT Credit Entries must be made available no later than the Settlemeot Date of the entry, but funds are not required to be available at openlnig of business on the Settlement Date. ACIH Debit Black is a Service that allows a customer to return .ACH debit entries originated to the Customer's account with the Bank ACH Transaction review allows the Customer to review ACH debit and credit entrr'es originated and posted to the Customer's account with the Bank and to instruct the Bank to return some or all of these transactions. ACH Debit Bieck¢ (a) SeMre. The Customer can select from a variety of anthurization or btocking criteria and advise the Bank In a manner and form acceptable to the Bank. The Barak will return any blocked transaction indicating that the ACH debit was not authorized. (b) Company ID Numbers. If the Customer elect's an option that blocks or allows ACH beads from specified companies, the Customer must supply the Bank with the applicable ACH Company ID Number of the Originator as it appears on the CompanylBatch Header Record. The Company ID Number will be the sole criterion for blocking Debit Entries (unless Customer has also set maximum dollar limits) and Bank will have no obligation to take any other steps to determine the Identity of the Originator_ The Customer will be solely responsible for obtaining the correct Company ID Number for each such Originator, The Customer understands that Company ID Numbers are not unique and that a Company ID Number may identity more than one Originator and one Originator may have multiple Company ID Numbers. The Customer understands that Company ID Numbers are not a perfect filter and that transactions from Originators may be blocked or allowed if the Orginator uses a Company ID Number other than tlhe one Customer identifies. The Bank will not be responsible for transactions blocked or allowed m accordance with the instructions the Customer provides for the Company ID Number. (LI Debits Nor Affected by Blacking. ACH debit blacks do not apply to Certain transactions. The following types of ACH- ralated debits will not be blacked, • debits to the Customer's account to offset any ACH credit Entries originated by the Customer through Bank, • reversals of previously received ACH credit Entries, • returns or reversals by the RDFI of ACH Debit Entries originated by the Customer through the Bank; • Reclamahen Entries, • debits to the Customer's account initiated by the Bank or Bank's agent to correcu processing errors, effect back valuations, make other adjustments or for fees., charges or other amounts the Customer owes the Bank; and • debits to the Customers account that the Bank posts pursuant to Its internal procedures in order to comply with appticable, law„ regulations or payment system rules or guidance. 2. ACH Transac'hoin Review: (a) The Customer shall use filter criteria available through the service to select the types or categories of incoming ACH debit and/or credit transactions to be reviewed or the Customer may elect to review all inimmingi ACH transactions subject to Section 2(r.1p below (b7 Based upon the filter onterra selected by the Custurner, ACH transactions meeting that criteria will be made available for the Customer to review net later than a designated time on the banking day following the day on which the transactions we,, poster/ to the Customer's account the details provided by the Bank for each Entry will include account number, dollar amount, company ID, receiver's name, standard entry ease code and settlement date. (r„ The Customer shall advise fire Bank by means of an agreed upon transmission method not later than the Bank's designated cutoff ' time on the same day as transaction information is made available for those transactions, d any,. that are unauthorized and that 55A -136 PN:35//914 DO('//),, 4 Page 26 qf 51