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.. ._._.__ ...� - .�1�'��If111F1�1Ow��rr�r�rr�� _. . •. ...._..._...__ - - ■ �� I - __...,.. FYaud Prevention Protection Aga�nst Unauthorized Items. Company acknowledges that there is a growing risk of losses resulting from unauthorized Iterrn. Bank offers Services that provide effective means for controlling the risk from unauthorized Items.These Services include: •Positive Pay,Positive Pay with Payce Validation, or Reverse Positive Pay (each offered by Bank in conjunction with Bank's Account Reconciliation Plan Service); •ACH Fraud Filter;and •Payment Authorization Service. In addition, Bank may recommend Company use certain fraud prevention practices to reduce Company's exposure to online fraud.Each af these practices is an industry "best practice". An example of a best practice is dual custody,which requires a payment or user xnodification initiated by one user to be approved by a second user on a different computer or mobile device before it takes effect. Company will be treated as having assumed the risk of any loss that could have been prevented by its use of any fraud prevention Service or best practice Bank has recommended to Company,if Company: •Declines to enroll in the fiaud prevention Service(s); • Enrolls in the fraud prevention Service but fails to use it in accordance with the Service Documentation applicable to it;or •FaiLs to adopt and follow a best practice. Lost or Stolen Paper Items;Unauthorized Items. ff any of Company's unissued Paper Items has been lost or stolen,or if Company leams that unauthorized Items are being issued on Company's Account, Company agrees to norify Bank at once.To the entent that Company's failure to so notify Bank hampers Bank's ability to prevent loss,Bank will be relieved of any liability for such Items. Upon receipt of any such notice,Bank may at its sole discretion and without any liability to Company take one or more of the following actions: (i)close Company's Account and open a new aocount for Comparry; (ii)dishonor any Paper Item Company or an Authorized Signer has indicated may have been lost or stolen (unless Company or an Authorized Signer subsequently has instructed Bank to honor such an Item);or(iii)pay any Paper Item presented for payment on Company's Account, provided Company has 14 ATTY/AGR/2016.186/WELLS FARGO BANKING AGREEMENT ,