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Contacting Company Regarding Servicing andlor Collecrions...................................13 <br /> Electronic Communications......................................................................................................................13 <br /> Fraud Prevention <br /> Protecrion Against Unauthorized Items ...........................................................................................14 <br /> Lost or Stolen Paper Items; Unauthorized Items ......................................................................14 <br /> Preventing Misuse of Company's Account ....................................................................................15 <br /> Claim of Unauthorized Transactions; Bank's Rights and Liability <br /> Investigation by Bank;Company's Agreement to Cooperate ......................................16 <br /> Standardof Care ................................................................................................................................................16 <br /> Limitation of Liability;Indemnification.........................................................................................16 <br /> AdverseClaims ....................................................................................................................................................17 <br /> L,egal Process ........................................................................................................................................................17 <br /> "Freezing>,Company's Account ..............................................................................................................17 <br /> ForceMajeure ........................................................................................................................................................17 <br /> Company's Inswance Coverage .......................................................................................................... 18 <br /> Substitute Checks <br /> Deposits to Company's Account <br /> General .................................................................................................................................................................... 18 <br /> CollectionItems ............................................................................................................................................... 19 <br /> Endorsements .................................................................................................................................................... 19 <br /> Material Appearing on the Back of Items; Check Legends ...........................................19 <br /> Breachof Warranties ................................................................................................................................... 19 <br /> When Deposits are Credited to Company's Account ........................................................20 <br /> Company's Use ofFunds ..........................................................................................................................20 <br /> Depositsat Affiliates.................................................................................................................................... 20 <br /> DepositsofNon-U.S.Items .....................................................................................................................20 <br /> Acts and Omissions of Other Financial Institutions ..........................................................21 <br /> DepositedItems Returned ...................................................................................................................... 21 <br /> Direct Deposits Returned by Bank ....................................................................................................22 <br /> Reconstructing Lost or Destroyed Deposited Items ...........................................................22 <br /> Withdrawals from Company's Account <br /> Determining Company's Account's Balance; <br /> DebitingCompany's Account ...............................................................................................................22 <br /> Order ofPosting; Categories ofItems ............................................................................................23 <br /> Relation between posting oniers&overdrafis/reriuned item............................24 <br /> Paper Items Presented Over-the-Counter for Payii�rt by a <br /> Non-C�stomer...................................................................................................................................................24 <br /> 3 <br />