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<br />- <br /> <br />On each Business Day, we will inform you by the time specified in the applicable User <br />Documentation of the total amount of debits presented for payment that day at or through <br />a Controlled Disbursement Point and any other amounts required to be deposited in <br />the corresponding Deposit Account(s) to cover such debits. On each such Business Day, prior <br />to the time stated in the applicable User Documentation, you must ensure that sufficient <br />Collected and Available Funds are on deposit in the Deposit Account(s) to cover such <br />amounts. If we attempt to post a debit to a Deposit Account for the amount due and <br />determine there are insufficient funds in the Deposit Account, we may dishonor or instruct <br />the pertinent Controlled Disbursement Point to dishonor some or all of the checks then <br />pending payment and/or, as appropriate, return or reject any electronic debit pending <br />settlement. We may, however, in our sole discretion, allow an overdraft so some or all of such <br />checks or electronic debits will be paid or settled. If we do so, we are not obligated to allow <br />any such overdraft in the future. <br /> <br />If, for any reason, we fail to provide you timely notice of the required funding amount for a <br />Deposit Accoun~ and if you fund such Deposit Account according to the procedures (including <br />funding amount and time) described in the applicable User Documentation, we will post to <br />the Deposit Account, or instruct the Controlled Disbursement Point to post to your <br />account, all checks presented for payment, and electronic debits received for settlement, that <br />day. If the required funding amount nonetheless exceeds the amount funded by you and you <br />have insufficient funds in the Deposit Account to cover the required amount, we will overdraw <br />the Deposit Account and advance funds to cover the excess. <br /> <br />If we advance our own funds, repayment is immediately due and payable, and you will repay <br />us on or before the next Business Day along with interest on such funds as specified <br />in our schedule of charges for business account services or as otherwise agreed. If you <br />do not, we may dishonor, or instruct the Controlled Disbursement Point to dishonor, some or <br />all of the checks then pending final payment and/or, as appropriate, return or reject any <br />electronic debit pending settlement even if the Deposit Account has sufficient Collected and <br />Available Funds to cover such debits. <br /> <br />We may require you to maintain a specified minimum amount in any Deposit Account for <br />which we permit you to use automated clearing house transfers to fund that Account. <br /> <br />If you use facsimile signatures on checks drawn on an account at a Controlled Disbursement <br />Point, your use of such signatures is subject to the Facsimile Signatures section of this <br />Booklet. <br /> <br />STOP PAYMENTS <br />You may request stop payments on checks drawn under a Controlled Disbursement <br />Service by following the procedures specified in the applicable User Documentation or <br />applicable Account Agreement. Also, you may use an Online Stop Payment Service, which <br />is subject to the Online Stop Payment section of this Booklet. If you use telephone, mail 01' <br />facsimile transmission to request a stop payment, you agree that your stop payment request <br />is subject to the tenns described in the Account Agreement for requesting stops by <br />telephone or mail. <br /> <br />AD-AG-04558 (2004-2) <br /> <br />25 <br />