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ATPUr- COPY Wi1'II I0ATION ON LAST PACE JA SMITH, CLERK 4.3 Customer shall deliver promptly to shall redeposit a returned original check or a returned Bank, upon its request, the original check if a request is Electronic Item by delivering the same to any Bank branch made within the retention period provided above, or location. A returned original check or returned Electronic Substitute Check or Sufficient Copy thereof, for each Item may not be re-submitted by Customer using the Electronic Item created by Customer. The term"Sufficient Services. Customer may only use the Services to re-submit Copy" means a copy of an original check that accurately an IRD or Substitute Check that has been returned to represents all of the information on the front and back of Customer for non-sufficient funds. the original check as of the time the original check was truncated or is otherwise sufficient to determine whether or 5.2 With respect to each Electronic Item in not a claim is valid. any Electronic File delivered to Bank, the Electronic Item accurately represents all of the information on the front and 4.4 Customer shall not create at any time back of the original check as of the time that the original an Electronic File under this Appendix or otherwise use the check was created by the payor; contains all required and Services to capture or maintain tax identification numbers valid endorsements; replicates the MICR line of the or non-public personal information of any third-party from original check; and meets all FRB standards of and whom Customer has received an original check for technical requirements for sending Electronic Items to any payment or deposit or which Customer has selected for as set forth in the applicable FRB operating circular,or as truncation. established by the American National Standards Institute 4.5 Customer agrees to abide by all federal ("ANSI')or any other regulatory agency,clearing house or and state laws, and rules and regulations applicable to association. Specifically, each Electronic Item of each banking transactions. original check shall be of such quality that the following information can clearly be read and understood by sight 4.6 If Bank receives a returned item for a review of such Electronic Item: check deposited by Customer after Customer has terminated this Appendix,then Customer agrees that Bank (i) the amount of the check; may debit Customer's Account, or if such Account has (ii) the payee of the check; been closed by Customer, Bank will send a request for payment to Customer, and Customer agrees to pay Bank (iii) the signature of the payor of the check; within a commercially reasonable period of time. (iv) the date of the check; 4.7 Customer agrees to have controls in (v) the check number; place to ensure that the Services, including the Hardware and checks processed through the Hardware, are properly (vi) the information identifying safeguarded and stored in accordance with the timeframe the payor and the paying bank that is preprinted on the set forth in Section 4.2 above and in a secure location, check,including the MICR line;and under effective control, in order to safeguard against (vii) all other information placed unauthorized access and use.Customer shall ensure that all on the original check prior to the time an image of the such checks are thereafter destroyed by a cross-shredder, original check is captured, such as any required and/or pulped or otherwise destroyed in such a manner that identification written on the front of the check and any does not permit recovery, reconstruction or future use of endorsements applied to the back of the check. the checks. Customer agrees that it will not simply throw out such paper checks with other classes of records or with 5.3 Customer shall also ensure that the miscellaneous trash. Customer agrees to be responsible for following information is captured from the MICR line of all damages resulting from lack of proper controls over each original check: processed checks. (i) the American Bankers 4.8 Customer shall notify Bank of any Association routing transit number("RTN"); interruptions in,delay or unavailability of,or errors caused by the Services immediately upon discovery thereof (ii) the number of the account on Notwithstanding the foregoing, in the case of any error Which the check is drawn; caused by the Services and subject to Section 11 of the (iii) when encoded,the amount of parties' Cash Management Master Agreement, Customer the check;and shall provide such notice within thirty(30)Calendar Days of the date of the earliest notice to Customer which reflects (iv) when encoded,the auxiliary the error. Failure of Customer to provide such notice to on-us field(serial number)and the process control field of Bank shall relieve Bank of any liability or responsibility for the check. such error,omission or discrepancy. 5.4 The Electronic Item bears all 5. Customer Warranties, Covenants. Customer endorsements, if any, applied by previous parties that makes the following representations, warranties and handled the check in any form (including the original covenants as of the effective date of this Appendix and check, as Substitute Check, or another paper or electronic upon each delivery of an Electronic File to Bank: representation of such original check or Substitute Check) 5.1 An Electronic File may include an for transfer,forward collection or return. electronic representation of a Substitute Check. Customer HC 4814-6754-1549 - 43 0J58 022016