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GLOSSARY OF TERMS The following are some important terms that appear in this Booklet. Aa:eptahle P~ Your name and any other payee name you provide to us as an acceptable payee for checks to be processed under the Lockbox SelVice. Account Agreement. The current signature card, International Account Agreement or SAOTC and ,the publication(s), as amended from time to time, we provide you containing terms and conditions applicable to each deposit, savings or current account for which you use a Selvice. Bill Pa.Yment SeIVioo Provider. Any entity, which may include us, you authorize to deliver payments, remittance information and other related data from your customers to us for the Electronic Bill Payment Consolidation Service. Business Da.,v. Each day on which the bank or bank office providing or facilitating a Selvice is open for business related to that Service. Card. Each plastic charge card which we issue for your Card Account under our Commercial or Corporate Card SelVices. Caro Account. Each MasterCard or Visa account which we issue to you or to a Cardholder under our Commercial or Corporate Card Services, including an account for which only an account number and no Card is provided. Cash Advance. Use of a Card Account to obtain cash from a participating financial institution, merchant or ATM, to write a Convenience Check or to obtain items readily convertible into cash, such as money orders, travelers checks, foreign currency, lotteI)' tickets, casino chips and race-track wagers. Card Administrator. One or more individuals designated by you in writing, as our primary contact for the Card Accounts, who is authorized to take actions necessary or appropriate to maintain the Card Accounts, including without limitation designating persons to receive Card Accounts, receiving communications from us related to the Card Accounts, requesting the closure of Card Accounts and otherwise communicating with us with respect to the Card Accounts. AD-AG-0455B (2004-2) Cardholder. Your employee or any other person who you designate in writing and who we approve to receive a Card Account or a Commercially Prepaid Card. If you or a Cardholder makes a Commercial Prepaid Card, a Card Account number or Convenience Check available to another party, that person will also be considered a Cardholder. Check Issuance Request. Using the Check Issuanoo SeIVice, a message transmitted from you to us requesting us to issue a check on your behalf drawn on either accounts you maintain with us or accounts designated and owned by us. Collected and Ava.ilable Funds. Funds in an account equal to the ledger balance minus float which, in our reasonable determination, are not subject to a hold, dispute or legal process preventing their withdrawal. Commercial Prepaid Cazd A pre-paid magnetic strip-based plastic card issue by us for a Cardholder's purchase of goods or services or for cash withdrawals. Controlled Disbursement Point. Each bank office designated by us through which checks issued under the Controlled Disbursement Service will be cleared or routed. Convenience Check. A check which we may provide to you to draw on a Card Account. Deposit Account. One or more demand deposit accounts maintained by you with us and used in connection with our Controlled Disbursement Service. Depository Transfer Checks (IJIQI). DepositoI)' trn.nsfer checks and preauthorized checks to debit Receivers' accounts to accomplish the same purpose as debit Entries. (Receiver is defined in the NACHA Rules.) Effective Entry Date. The date specified, in accordance with the NACHA Rules, on the Entry by the Originator on which the Originator intends the Entry to be settled. (Originator is defined in the NACHA Rules.) Electronic F\mds Transfur Ser:vices. ACH SeIVices, International Electronic Funds Transfer Services and Wire Transfer Services. 67