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Machine to-Machine ("M2M"). This transmission method may use an XML message interface that is based on the Interactive Financial eXchange (IFX) message standard using SOAP structured messages or other formats and protocols such as JSON and REST. Data is communicated via the Internet using 128-bit encryption and Secure Socket Layers(SSL). IBllllm Connect:Directm with Secure Plus+. Secure Plus+ is an add-on to Conneot Direct to enhance security by means of Secure Socket Layer (`SSL°) or Transport Layer Security ("TLS°). Connect Direct� is a registered trademark of Sterling Commerce, Inc. an IBM company. Value-Added Network ("VAN"). Wth this transmission method, a third party serves as an intermediary for transmitting data between Company and Bank. Procedures for transmitting Payment Orders may vary by VAN. Bank follows the procedures of the VAN selected by Company to authenticate each File transmitted to Bank th�ough the VAN in Company's name. SWIF1'� File Act. SWIFT has established procedures for controlling access to SWIFT messaging services that may include access codes, message authentication codes, secure card readers, digital signatures, and Hardware Security Modules. In addidon, SWIFT authenticates certain messages including without limitation Files based on SWIFT message type prior to accepting them for�outing as SWIFT messages. This authentication may include confirming the sender and recipient of the message have exchanged bilateral keys (°BKE"), entered into a relationship management application ("RMA") agreement, or taken other steps to secure the transmission of SWIFT messages between them as SWIFT requires from time to time. 6.4. Security Procedure Elected by Company's Third Party Service Provider. Company is utilizing a Third Party Service Provider ("TPSP") as defined in the ACH Rules to originate Entries and Files on Company's behalf. Bank wiil authenticate each File transmitted to Bank in Company's name in accordance with the security procedu�e the Company's TPSP has elected. Company will notify Bank of any change to Company's TPSP in a manner affording Bank a reasonable opportunity to act on the infortnation. 6.5. Non-Standard Securlty Procedure. If Company has refused to utilize any of the security procedures described above, then the Security Procedure Company will use is described on Attachment B to the Treasury Management Product Enrollment form. 7. Company's Payment Obligations. As of the applicable settlement date, Company will maintain available funds in each Account sufficient to cover the credit Entries originated against it. Company's obligation to pay Bank for each credit Entry matures when Bank transmits the credit Entry to the ACH or gateway operator or posts an on-us Entry. Bank is authorized to debit the Account for the total amount of all credit Entries originated from it at any time. If requested by Bank, Company will pay to Bank, in immediately available funds, an amount equal to all credit Entries Company originates through Bank before the date Bank delivers the credit Entries to the ACH or gateway operato�or posts an on-us Entry. If Company fails to comply with Bank's request, Bank may refuse to send the Entries to the ACH or gateway ope�ator or post an on-us Entry. Bank may take such other actions as it deems necessary or appropriate to ensure Bank receives payment for Company's credit Entries including without limitation (a) upon notice to Company, placing a hold on funds in a�y account at Bank or any affiliate of Bank that Company owns in whole or in part sufficient to cover Company's credit Entries and (b) setting 7M-1423 ACH Oiiy�inatiaf Seivices EDOCS-�M37849f0 Page 3 0!7 ReNsed fa34�2014 ATTY/AGR/2016.186M/ELLS FARGO BANKING AGREEMENT