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24 <br />For example, Bank will pay the most common types of transactions in the <br />following order: <br />• ATM, debit card, account transfers, teller cashed checks and teller cash <br />withdrawals – transactions will be sorted by the date the transaction was <br />conducted. For a debit card transaction, if a merchant does not seek <br />pre-authorization from the Bank at the time of the transaction, Bank will <br />use the date the transaction is received for payment from Company’s <br />account. If there are multiple transactions on a date, those transactions will <br />be sorted by time (where that information is available to Bank’s posting <br />systems); the remaining transactions on that date will be sorted and paid <br />from lowest to highest dollar amount. <br /> <br />• Checks and automatic payments (also known as ACH). <br /> <br />If there are multiple transactions, the transactions will be sorted and paid <br />from highest to lowest dollar amount. <br /> <br />Relation between posting order and overdrafts/returned items <br />On any given Business Day, if Bank receives more than one Item for <br />payment and determines there are sufficient funds to pay one or more but <br />not all of the Items, then the number of Items paid and the overdraft and <br />returned Item fees assessed could be affected by the order that Bank <br />chooses to post those Items. For example, if Bank posts Items in the order of <br />highest to lowest dollar amount, the total number of overdraft and returned <br />Item fees Company is charged could be larger than if Bank were to post the <br />Items in a different order. <br /> <br />Paper Items Presented Over-the-Counter for Payment by a <br />Non-Customer. <br />If a Paper Item drawn against Company’s Account is presented over-the- <br />counter for payment by a person who does not have a deposit account at <br />Bank, Bank may charge a fee to the person presenting the Paper Item as a <br />condition for payment of the Paper Item. Company should contact its <br />banker if Company has questions or if Company is required for any reason <br />to have a place where Company’s Paper Items can be cashed without a fee. <br />The amount of the fee is disclosed in the fee and information schedule. Bank <br />6.1.D. - Page 66