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20 <br />period, Company shall be released from liability and discharged only to the <br />extent Bank’s failure to notify Company within such time period caused a <br />loss to Company. <br /> <br />When Deposits are Credited to Company’s Account. <br />All over-the-counter deposits or ATM deposits to Company’s Account which <br />are received before Bank’s established cut-off time on any Business Day will <br />be credited (and will be considered deposited) to Company’s Account as of <br />the close of business that day, and will be reflected in that day’s Ledger <br />Balance for Company’s Account. All other deposits will be processed in <br />accordance with the written agreements governing such deposits or, if there <br />is no written agreement, banking practice. All deposits received after Bank’s <br />established cut-off time on a Business Day or at any time on a day which is <br />not a Business Day will be credited (and will be considered deposited) to <br />Company’s Account at the end of the next Business Day. Deposits placed in <br />one of Bank’s “night depositories” before the established deadline on any <br />Business Day will be credited to Company’s Account at the close of business <br />on that same day. All other deposits placed in the “night depository” will be <br />credited to Company’s Account at the end of the next Business Day. <br /> <br />Company’s Use of Funds. <br />Company’s use of funds deposited to Company’s Account will be governed by <br />Bank’s separately disclosed collection schedule and, if Company’s Account is <br />a checking account, funds availability policy. Bank’s collection schedule <br />describes when deposits of Items that satisfy certain criteria will be <br />considered collected. A fee may be charged in connection with any use of <br />uncollected funds permitted by Bank. The then-current rate will appear on the <br />statement for Company’s Account. Bank’s funds availability policy describes <br />when funds deposited to Company’s checking Account will be available to be <br />used for all purposes. Bank may change its collection schedule and funds <br />availability policy from time to time without prior notice to Company. <br /> <br />Deposits at Affiliates. <br />Company may make deposits to Company’s Account(s) at an Affiliate, <br />provided the Affiliate agrees. If Company makes a deposit to Company’s <br />Account at an Affiliate, that Affiliate’s collection schedule and funds <br />availability policy will determine when the funds deposited to Company’s <br />Account will be considered collected and available. <br /> <br />Deposits of Non-U.S. Items. <br />Bank may refuse to accept for deposit or collection an Item that is payable in <br />currency other than U.S. dollars or an Item that is not drawn on a financial <br />6.1.D. - Page 62