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3 <br />Contacting Company Regarding Servicing and/or Collections ...................................13 <br />Electronic Communications ......................................................................................................................13 <br /> <br />Fraud Prevention <br />Protection Against Unauthorized Items ...........................................................................................14 <br />Lost or Stolen Paper Items; Unauthorized Items ......................................................................14 <br />Preventing Misuse of Company’s Account ....................................................................................15 <br /> <br />Claim of Unauthorized Transactions; Bank’s Rights and Liability <br />Investigation by Bank; Company’s Agreement to Cooperate ......................................16 <br />Standard of Care ................................................................................................................................................16 <br />Limitation of Liability; Indemnification .........................................................................................16 <br />Adverse Claims ....................................................................................................................................................17 <br />Legal Process ........................................................................................................................................................17 <br />“Freezing” Company’s Account ..............................................................................................................17 <br />Force Majeure ........................................................................................................................................................17 <br />Company’s Insurance Coverage .......................................................................................................... 18 <br /> <br />Substitute Checks <br /> <br />Deposits to Company’s Account <br />General .................................................................................................................................................................... 18 <br />Collection Items ............................................................................................................................................... 19 <br />Endorsements .................................................................................................................................................... 19 <br />Material Appearing on the Back of Items; Check Legends ........................................... 19 <br />Breach of Warranties ................................................................................................................................... 19 <br />When Deposits are Credited to Company’s Account ........................................................ 20 <br />Company’s Use of Funds .......................................................................................................................... 20 <br />Deposits at Affiliates .................................................................................................................................... 20 <br />Deposits of Non-U.S. Items ..................................................................................................................... 20 <br />Acts and Omissions of Other Financial Institutions .......................................................... 21 <br />Deposited Items Returned ...................................................................................................................... 21 <br />Direct Deposits Returned by Bank ....................................................................................................22 <br />Reconstructing Lost or Destroyed Deposited Items ...........................................................22 <br /> <br />Withdrawals from Company’s Account <br />Determining Company’s Account’s Balance; <br />Debiting Company’s Account ...............................................................................................................22 <br />Order of Posting; Categories of Items ............................................................................................23 <br />Relation between posting orders & overdrafts/returned item……………………….24 <br />Paper Items Presented Over-the-Counter for Payment by a <br />Non-Customer ...................................................................................................................................................24 <br />6.1.D. - Page 45