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Over the Counter Presentment. The Bank may, without liability m the oustume refuse tv pay :em presented for oncshvmnt at any of the Bank's branch locations. If an Item is presented for enicashmi at one of the Bank's branch locations at the teller line the Coo,omorawmoriz*s the Bank m pay such Item based upon the Positive Pay information wt Ore sister line The Book may charge m person who cashes an Item drawn on the Customer's Amount a fee at the time of encashimern. H. Controlled ��" � � ,x. ��s Controlled Disbursement Accounts disbursement process m gain control over idle balances and , Controlled Disbursement Account, Each controlled disbursement accosim, except as set Loch herein, shot be opened and maintained in accordance with the Bank's Account Documentation, The Customer agrees that if it fails to utilize one of the Bank's positive pay w*/v|re*ontheC*ofr"ned Disbursement Account, that failure will constitute fire Cus/m*r/vnegligence contributing tothe making o[ any unauthorized signature and the Cusume, assumes the risk that Items presented against the ctxx|dDisbursement Amount may bo forged oraltered, to the extent that the positive pay semces the Bank offers may have prevented any ba"r The Book will have ^o liability for any loss ,w|okvd/^anItem presented against the Controlled diohumwnnen| Account which would otherwise generally have been returned under such positive pay services Z will advise the Customer nf the total amount o[ Items drawn against the Controlled Disbursement Accounts that are presented for payment, vn that d *` the Bank ¢yw Federal Reserve Bank wanother depository institution pursuant to same-day settlement arrangement The Bank will honor checks or drafts (`.1wms"] that are property payable but shall have nvwNrgm,i"nt* pay any Item should sufficient immediately available funds to cover such Items riot bo flansferred to the Controlled Disbursement Account in accordance with these Service Terris and applicabre Implementation form t Over-ffpr^Counter Presentment. The Bank may, without liability to the Customer, refuse to pay any Item presented for ancasitiment at any of the Bank's branch locations. 4� Funding Account for Con*nN+dDisbursement. The Customer will maintain with tire Bank a designated account for purposes of funding the C000nleW Disbursement Acoo"^s,'x the funding account may b* maintained ,u^w affiliated book */ other financial institution <the "Funding A*nouw,^}. The Customer authorizes the Bank ,odebit the Funding Account for Vie total amount nf the Items presented and any funds transfers against the Controlled Disbursement Account, and to promptly transfer such amount to the Controlled Disbursement Account even though such a debit may bring about or increase an, overdraft *o funds transfers from the Funding Acsouolto the Controlled Disbursement Account sliall be in immediately avaflable funds. The Customer will nesintarn sufficient available funds in the Funding Account w cover Items and funds transfers presented against the Controlled Disbursement Amount, and the Bank shall have nnobligation to transfer funds, process fears for payment nr complete any funds transfers unless there are sufficient available fonds in the Funding Account The Bank is authorized wdebit the Funding Amount for any obligations owed directly vr indirectly of) the Controlled Disbursement Account. The Bank shall not be liable for sailure to pay any Item presented for payment against any Controlled Disbursement Amount due to insuffident funds in the Funding Account ii, Media, The Bank will trnoim the Customer by the transmission method ^rmedia agreed wby the Customer and the Book information regarding the Customer's Controlled Disbursement Account 6 Routing Transit N*mbwr. The Customer agrees to use the designated controlled disbursement account routing transit number onthe items h issues from the Controlled Disbursement Account The cumo"ne/*vkvvw smwif./fa|wtoum*»unoueo|gnated controlled disbursement account routing honest number the Bank is authorized to terminate this Service o/ any Service feature upon notice w the Customer r Financial Condition. In the event of the material claterjoration of the finaincuil condition of lure Cusionner, as cleamuned in meannk"p reasonable sole div*miro"shw8mokm*y|wm*d|atw0iwrmi^ate,\h*S***w, any Service feature anchor may convert any C*"oNfeel Disbursement Account 1oo stand-alone demand deposit account without prior notice to the Customer U , U rnage Cash Lette r The Image Cash Letter Senuce allows the Customer to make certain deposits electronically by using a capture device to create an electronic image rfa paper check and transmit 4 and related data w the Bank, *, part vf the Service, the Customer must use software and hardware provided uyo/ acceptable t* the Bank Transmission and Processing. The Custrrnexsluall provide through Its own rrethods or devices the captured check mai and check data, including the magnetic ink character recognition formatting (MICR) information through electronic tmosmissioo$(tho ^Trunomisu|nns")m the formal and specifications required hy the Bank's File Standards and within the cutoff times provided hythe Bank The Customer authorizes the Bank to process the Transmissions as Substitute Checks Electronic Images o/ Photos in Lieu, oa may h*oppricaW* for further clearing through o/ with any other financial motii clearinghouse m Federal Reserve Bank if this Customer has chosen tn have name processed wnxCx transactions, the Bank will convert eligible ue/nm,o ARC or POP entries, a» defined and provided for in the ACH Origination Service Terms The Customer agrees that it is salary responsible for the creation and sending of these Transmissions to the Bank if any Transmission lincluding any source document for purposes of these Service Terns� �� �� Um�� �� 11N.- 350914 DOC ID: 4 Page 32 oj'51