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<br /> Contacting Co�acry Regfu+ding Servicing and/or Collections...................................13
<br /> ElectronicCommunications......................_......_....................._.._.....,............................_................_....13
<br /> Fraud Prevention
<br /> Protection Against Unauthorized Items ........_..._..................._................_............................_......14
<br /> Lost or Stolen Paper Items;Unauthorized Items ........._............._...........................................14
<br /> Preventingl�snse ofCompan}�s.A�oco�mt .»..,..........__..........._............................._......_..........15
<br /> Claim of Unauthorized Transactions; Bank's Rights and Liability
<br /> Investigation by Bank;Compan�s A�nt to Coape�ate .....................................16
<br /> Standardof Care ......................................,..................,......................,.............................................................16
<br /> Limitation ofLiability;Indemnification........�...._........................................................................16
<br /> AdverseClaims ..............._.,................................_......_.............................._....................._......._................»....17
<br /> LegalProcess .......,_...................._..............,..,.................,........_..._..............................._..........._.. .............17
<br /> "Freezing„Company's Aocount ........................................................_...............................................,...17
<br /> ForceMajeure ......................_._............................._...................._.._............................_.._............._.................17
<br /> Compan�s Insurance Coverage ......................................................................................................... 18
<br /> Substitute Checks
<br /> Deposits to Company's A�ocount
<br /> General ......�................................................................._.....,..........,,..............,..,.........,�......,,...,...,.........,........,.. 18
<br /> CollecdonItems ...,................................_......................,...................._............................_....................... 19
<br /> Endorsements ...................._.......,........,..,..........,.......................................,....................................,.............. 19
<br /> Material Appearing on the Back ofItems;Check Legends ........_.................................19
<br /> Breachof Warranties ........................................._..........».........._.......,..............._..........,..............._........ 19
<br /> When Deposits are Credited to Compan}�s Aocuu�rt ...................�..�...............................20
<br /> Company's Use ofF�.u�ds ........................__.............,.._..._,.........................................,...,,............,..........20
<br /> Depositsat Affiliates............._...........................,......,................,.,.......,......,.........,..,...,......».......,.........,...20
<br /> DepositsofNon-U.S.Itetns ................................._...._.........,......................,...,....,...,.............,.........,..20
<br /> Acts and Omissions of Other Financial Institutions..........................................................21
<br /> DepositedItems Retwned ........................,..»..............._.........,.........................,..,...,............................21
<br /> Direct Deposits Returned by Bank......._......................................_.................._........._...................22
<br /> Reconstructing L.�t or Deshvyed Deposited Iteirn ._........._......................................._...22
<br /> Wit6drawals from Company's Acco�mt
<br /> Determining Company's AocounYs Bala,nce;
<br /> Debiting Company's Acoount ......................_.............._..........._..�...._............_............_.....,......._.22
<br /> O�er ofPostin� Categories ofIterrB ..._..............................._................_._........................_.......23
<br /> Relarion betw�een posting onders 8c ove�+dcafls/tettuned item............................24
<br /> Paper Items Presented Over-the-Counter for Payment by a
<br /> Non-Cbstomer......................._.............................__........._�....._.............,...................._................_..........._,24
<br /> 3
<br /> ATTY/AGR/2016.186/WELLS FARGO BANKING AGREEMENT
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