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issuance nf such RCC.o the amount and tv the payee stated an the RCGAnRCC includes annCC that has been reconverted toa
<br />substitute check. The Customer authorizes the Bank mdebit the Curnome/oaccount for aov claim *r return based upon aw
<br />onoumorb*dRCC and the Customer agrees tv indemnify and hold the Book and its mgo*x,, employees, ^ffem/o and directors, harmless
<br />rorn and against any and all claims, umna8vo demands, judgments, liab.*iem.coytsandexnanpes(iodmomnoxomoyo' fees) resulting
<br />directly v' indirectly from any breach o{ the foregoing warranty. All other terms, rules and regulations governing m check will apply tva^
<br />312 The Bank may allow certain vnrmammns using a Bank owned automated teller machine |o connection w0h Accounts hyissuing
<br />one of more commercial ATM cards and personally identifiable numbers or PINs ("Carols)") to Cusionner's employees mVeom
<br />Customer agrees to use, and cause its employees and agents ,ouse the Cards only wt ATMs owned hy the Bank and Customer oxa||bn
<br />responsible and liable for each Card and any transactions initiated using such Card The Customer agrees that the types of
<br />transactions offered through the use of the Card may he|imitod by the 8mnk|n the Bank's sole discretion The Bank has the right to
<br />coovp| any Card at any time and for any reason, and will notify Customer of such cancellation, |»ov event shall the Bank hr
<br />responsible for the sec"�r.tyo[ the Cards, All ATM transactions are Subject to verification. Any transaction not made o*a business day
<br />o, made after the Ba/ril designated cut-off mn* will beprocessed ou the Bank's next business day. The Customer agrees <v obtain
<br />possession and return <* the Bank *, destroy all canc^|ed Cwrdo�I/ the Customer believes m Card or PIN has been |cono'stolen, the
<br />Customer should immediately contact the Bank's ATM call center.
<br />4 Payment orItems
<br />«1 The Bank is authorized to pay any Item drawn on the Account, in accordance with the Bank's usual procedures, including, without
<br />Imitation, any item that purports wbwasvbsthvmchock.Thw8mnkismmbwrizadtodo^htomxccv"o\nowmich the Item b drawn on
<br />the day the |twmispresented, certified o. accepted, w,mt soon earlier time that the Bank receives notice hy electronic n' other means
<br />that an Item drawn on an Account has been deposited for collection. The Bank may determine Account balances invr**' to decide
<br />whether /^ dishonor wo Item for insufficient fonds m, any time between receiving cull presentment o/ notice and the time o/ the return n,
<br />the ftem, and need make no more than one such determination.
<br />4 2 The Book is authorized to pay all Items presented mit or cashed at the Bank, regardless of amount and without inquiry asmthe
<br />ocummannesc* issue, negotiation v. endorsement urastu the disposition m proceeds, even n drawn, endorsed o, payable mcash,
<br />baser or the order of the signet or any Authorized Person or to a lender in payment of that individual's obligations
<br />t2 The Customer
<br />Customer shall not use its Account to allow any third party no issue checks or otherwise use the Account unless specifically agreed to in
<br />writing by the Bank. The Customer sloall not issue Hours that are post-dided, and the Bank shall not be liable for any damages caused
<br />by premature payment or certification of a post-dated Item Further, the Customer shelf not put any condition, restriction of legend on
<br />any flem, and the Bank is not required to comply with any such condition, restriction, or legend
<br />4 4 The Bank may process any uemhy electronic means All Items the Customer draws against any Account must comply with, the Bank's
<br />check sVmoNcmuono and image standards, published from ,"num time, and md"*ry standards The Rmok may refuse m process ally
<br />Item that is presented to it in a to" that cannot be imaged or processed through its normal systems The Bank shall] not bv|iab|*for
<br />damages v. losses due t* any refusal \o process vr delay o, failure |/` procuring, collecting ^/ paying Items not conforming to such
<br />specifications o,su:uams, except m the extent such losses wdamages are the result n, the Bank's gross negligence o/xwifu|
<br />misconduct,
<br />The following provisions in thus section 4apply to Accounts a the United States, and m Services provided In connection with such
<br />^u The, Bank may, in no, discretion, cash Items drawn on its Account when presented by the holder. 11 9 payee who m not the Bank's
<br />deposit account customer presents an hear drawn on the Account for casin, the Bank may refuse to cash the Item or may charge the
<br />payee a fee for caching the hem
<br />46 K the Customer establishes un Account which purports to: (V require two m more signatures oo any Items drawn on the AoC*umro/(It,
<br />III the maximum amount for which any person can sign an, litem, the Customer acknowledges and agrees that any such requirement
<br />|* solely for the. Customer's own Internist control vU/Pv$°*r The Customer agrees that os long mo the Bank follows its usual and
<br />customary procedures for processing and paying Items, the Bank will not be liable for paying any Item la) lacking the moored number v/
<br />signatures, or (b) in an amount exceeding the maximum III astogned to the signer.
<br />4 r The Bank offers the Customer m"icesreasonably desqmgwhelp prevent check fraud and if the Customer fails to, utilize those
<br />now|onntha/h,.ummionvstitmmCvstomw/oonligeococonrioutiogw,homaWngofanonnmhorizeVsigomwmandmoCoowmwrvw||
<br />assume the risk that checks p/d,*k* presented against its Account may be forged rrwfte"°u, no the ex/mxmw the services the Bank
<br />offered may have prevented any loss |nmeavem|*eMankoeosleasu'is*resenteuw.m|temne»u*app*arh/be duplicates v»each
<br />other, then the Bank may return one or more of such items.
<br />4o The Customer "**,mw*all responsibility and liability for any claim or loss that the Customer or the Bank rnay suffer as a result of Ole
<br />Customer's: (I) issuance of a check in such a manner that information, marks or bands on fire back of the check obscures
<br />endorsemeni or ri> placement of ain endorsement on the back of the dieck which obscures other endocemeni and which thereby
<br />causes a delay .x the forward processing ao4w' return processing u the check. Tire Bank vma.* the right w refuse x/ accept acheck
<br />for deposit when the back nf the check iu unreasonably obscured
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