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Ledger Balance. <br /> The "Ledger Balance"is the balance in Company's Account after all debits <br /> and credits for the Business Day are posted. <br /> Overdraft. <br /> An"Overdraft"is any event that results in a negative balance in Company's <br /> Account. <br /> Paper Item. <br /> A"Paper Item"is an Item that is in paper form. <br /> Service. <br /> A"Service"is any service Bank provides to Company including without <br /> limitation any Treasury Management Service. <br /> Arbitration Agreement <br /> Agreement to Arbitrate. <br /> Except as stated in"No Waiver of Self-Help or Provisional Remedies"below, <br /> Company and Bank agree,at Company's or Bank's request, to submit to <br /> binding arbitration all claims,disputes and controversies between or among <br /> Company and Bank(and their respective employees, officers,directors, <br /> attorneys and other agents), whether in tort,contract or otherwise arising <br /> out of or relating in any way to Company's Account(s) ancVor Service(s) and <br /> their negotiation, execution, administration, modification, substitution, <br /> forn�ation, inducement, enforcement, default or termination(each,a"Dispute"). <br /> Governing Rules. <br /> Any arbitration proceeding will(i)proceed in a location selected by the <br /> American Arbitration Association ("AAA")in the state whose laws govern <br /> Company's Account; (ii)be governed by the Federal Arbitration Act(Title 9 <br /> 8 <br />