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<br />4v If an ftern issued' by the Customer is transferred or negotiated outside a the United States and is mibsequenly sent to the Bank for
<br />deposit, collection o, payment in the United States, the Customer shall W»doomed tv Make, ho the Bank, the transfer and presentment
<br />warranties under the Uniform Commercial Code, as if such Item were negotiated or otherwise hamijerfed irr the United Slates
<br />* If) Astop payment instruction from the Customer will mveffective on an Item if: (I) the Bank receives the Instruction
<br />reasonable opportunity to act on such Instruction, which shall be at least one (1) full Business Day following the Business Day of the
<br />Bank's confirmed receipt of the Instructions at the applicable Bank locarom (10 the Instruction contains all information concerning Pie
<br />Item that the Bank requires, and is in Pie form required by the Bank; and dfi) the Item is not yet paid or cashed For purposes of this
<br />Section, "Buorriess Day" means a day on which the Bank is generally open, for business in the jurisdiction where the Account is
<br />maintained. Stop payment Instructions on Items, unless otherwise provided, will be valid for one (1) year and will coutomaticalty renew
<br />up to six (6) addifionjoi years unless the Bank confirms receipt of the Cuslorner's revocation of a stop payment Instruction. The
<br />Customer may request, through the Bank's call center brother authorized representative, a non-renewable stop payment, which will be
<br />effective for a 180-day period. The Bank shall not be liable for any Item properly paid or cashed prior to the effective date of a stop
<br />payment request Stop payment Instructions on Items are effective in having the hern returned unpaid by the Bank. However, stop
<br />payment Instructions have no effect on the rights of a holder in due course of the Item to make a claim directly against the Custerner.
<br />5 Funds Transfer Instructions
<br />s l The Customer may issue funds transfer Instructions against Accounts, subled to the Bank's acceptance Funds transfer Instructions will
<br />be received, processed and transmitted only on the Bank's funds transfer business days, and within the Bank's established rut-off hours
<br />v^suohdayo. Communications requesting cancellation u,amendment of payment crows must be received aim time and `nmmanner
<br />affording the Bank m reasonable opportunity /v act "n the communication The Customer may reverse, amvod, cancel n/ revoke any
<br />Instructions only with the consent wV the Bank arid the beneficiary's bank The Bank will debit the Account for the amount s/ each funds
<br />transfer Instruction accepted by the Bank, and the Customer authorizes the Bank to debit the Account for all fees associated with any
<br />funds transfer Instruction, Including debit and credit processing charges, *rt, otherwise deduct such fees from the amount n{the
<br />payment order, In processing the funds transfer, other banks may deduct fees from the payment order issued to them. No restrictions
<br />opoo the acceptance cf funds transfer Instructions by the Bank v/ upon the Accounts that the Bank may debit shall b* binding unless
<br />agreed tohy the Bank mwriting The Bank shall not bvreq*..nd t. Inquire into the dmun`o{a/`ponof any transaction
<br />52 Noxwiffidundmg any instructions by the Customer 1* the contrary, the Bank reserves the light ,v use any funds transfer system and any
<br />intermediary bank iothe execution of any funds transfer Instruction and may otherwise use any means of executing the funds transfer
<br />Instruction which the Bank deems reasonable in the circumstances.
<br />5 3 In connection with any funds transfer, the Bank and other financial nustiturfens May rely upon the identifying number of the beneficiary,
<br />the beneficiary's bank or any intermediary bank included in the foods frainsfer Also, the beneficiary's bank in the funds transfer
<br />Instruction may make payment on the basis of the identifying number even though it identifies a person different from the named
<br />beneficiary Accordingly, the Customer shall be responsible for the consequences of any inconsistency between the name and
<br />identifying number, as instructed, of any party in such a funds transfer Instruction
<br />5 4 In accepting a funds transfer Instruction issued |n the Customer's name for payment in currency other than the currency uf this Account,
<br />the Bank i* authorized m debit the Account for the equivalent amount o( the foreign currency transferred: ut the Bank's w*valioy rate nf
<br />exchange ora^ otherwise agreed. m the nook accepts funds transfer Instructions Issued ioa foreign currency where the Customer io
<br />the beneficiary, the Bank may convert the funds |uthe currency o, tire Account a| the Bank's applicable currency exchange rate and
<br />charge the Customer m fee for such currency conversion w accepting o funds transfer instruction issued i" the Customer's name for
<br />payment wo receiving bank located outside of the United States, the Customer agrees thatavbjmctmaoymsuictionsuodemwv|icawn
<br />law or regulations, the Bank May convert the funds to the local currency of file location of the receiving bank at the Bank's then
<br />prevahng rate of excharfge The Book may deduct its fee for such corrvertsion from the payment ameount.
<br />Notwithstanding any prior action or course o[ dealing, m applicable law and regulations the Bank has nooNifa000mcancel
<br />reverse or otherwise boy back foreign currencies purchased by the Customer under a Service arid, the Bank makes fro commitment u
<br />buy back curnencss The Customer acknowledges that it may not be able to sell back certain foreign currencies once purchased
<br />a5 x the Customer elects to settle foreign exchange transactions by draft, the Customer acknowledges and agrees that in the event it*
<br />draft b not presented for payment within one hundred eighty ()8V}calendar days from the dale «.issoaoocr the Bank, subject many
<br />restrictions tinder applicable law or regulations, thall have the right to cancel the draft, and the Customer authorizes the Bank to
<br />reconvert the funds into the original currency at the then current rate, and m^vwdothe C*vtrume/* Account U the '*mkm/is^o longer a
<br />customer of the Bank, the Bank may, in its discretion, transfer balances to an unclaimed moneys account, or issue a cashrer's check
<br />sending it tv the address ofthe Customer oo fire books and records of the Bank. |n the event that the payee, holder or other third party
<br />claims against the Bank an a cancelled draft, the Customer agrees that it shall be responsible for any losses in connection with such
<br />cancellation, including any amount recreated w otherwise paid to the Customer. The Customer acknowledges and agrees that
<br />applicable service charges and expenses, including payment and pofiodic maintenance fees, may bocharged tothoCu,mme/,
<br />Account or otherwise deducted from the ammunt to be paid no the C ustoniv
<br />5 c Unless the Customer and tire Bank have agreed in writing to an alternate Security PROcedurer the authenticity at oral or wirition, �ujjcludrng
<br />those transmitted by facsimile) funds transfer Instructions may, at the Bank's discretion, be verfad by telephonic call-back confirmation
<br />with an Authorized Person The Customer agrees that this security procedone is cornmeroWly reasonable for such In5ftUCtdr&r The
<br />Customer further agrees to be bound by such funds transfer Instructions, whether or not authorized, if issued in the name of the
<br />Customer usinig such security procedure
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<br />PN: 350914 DOC 1& 2 Page 12 of 31
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