Common use of Account Transfers by Wire or ACH Clause in Contracts

Account Transfers by Wire or ACH. We may offer wire transfers or ACH transfers that allow you to send or receive debits or credits to an account with us. We may require all wire transfers to be authorized in writing. When you initiate a wire or ACH transfer you may identify either the recipient or any financial institution by name and by account or identifying number. We (and other institutions) may rely on the account or other identifying number you give to us as the proper identification number, even if it identifies a different person or institution. You understand we may confirm the information on all wire requests before sending the wire. Once we have sent an outgoing wire, the transfer is final and cannot be stopped. If you provide incomplete or inaccurate written or verbal transfer instructions to us, we will not be responsible for any resulting wire transfer losses, delays or failed transactions. You understand international wire transfers may not be completed for several weeks or at all. Wire transfers are governed by Federal Reserve Regulation J if the transfer is cleared through the Federal Reserve. ACH transactions are governed by the rules of the National Automated Clearing House Association (NACHA). You acknowledge that our pro- cessing of international transactions may be delayed if necessary to complete legally required screening. You must ensure that all international entries you initiate are designated with the appropriate international entry code as required by the NACHA rules. All entries will be credited to or debited from the account you have with us in U.S. dollars. Currency conversion will be at rates determined by, or available to, us or the Automated Clearing House. You will bear all currency conversion risk as well as all gains or losses associated with currency conversion for international entries. All wires and ACH transfers must comply with applicable U.S. law. If you use these services and receive funds by wire or ACH transfer, you agree to confirm the transfers by reviewing your periodic statement (or online service we offer), since we are not obligated to notify you when funds are received. While we may conditionally and provi- sionally credit the account you have with us for an ACH transfer, if we are not finally and ultimately paid for the transfer, we may re- verse the credit to the account, in which case the sender will be deemed not to have paid you. If we cannot reverse the credit or you do not have sufficient funds in an account, you agree to reimburse us for the amount of the reversed transfer.

Account Transfers by Wire or ACH. We may offer wire transfers or ACH Automated Clearing House (ACH) transfers that allow you to send or receive debits or credits to your account. Should you use these services and receive funds by wire or ACH transfer, you agree to confirm the transfers by reviewing your periodic statement, and understand that we have no duty to notify you when the funds are received. While we may conditionally and provisionally credit your account for an ACH transfer, if we are not finally and ultimately paid (do not receive final settlement) for the transfer we may reverse the credit to your account with usor alternatively you agree to reimburse us for the amount of the reversed transfer. We may require all that wire transfers to trans- fers be authorized in writing. When you initiate a wire or ACH transfer transfer, you may identify either the recipient or any financial institution by name and by account or identifying number. We (and other institutions) may rely on the account or other identifying number you give to us as the proper identification number, even if it identifies a different person or institution. You understand that we may confirm the information on all wire requests before sending send- ing the wire. Once we have sent an outgoing wire, the transfer is final and cannot be stopped. If you provide incomplete or inaccurate written or verbal oral transfer instructions to usinstructions, we will not be responsible for any resulting wire transfer losses, delays or failed transactionstransac- tions. You understand international wire transfers may not be completed for several up to four weeks or at alllonger. Wire transfers are governed by Federal Reserve Regulation J if the transfer is cleared through the Federal Reserve. ACH transactions are governed by the rules of the National Automated Clearing House Association (NACHA). You acknowledge that our pro- cessing processing of international transactions may be delayed if necessary to complete legally required OFAC screening. You must ensure that all international entries en- tries you initiate are designated with the appropriate international entry code as required by the NACHA rulesRules. All entries will be credited to or debited from the account you have with us your Account in U.S. dollarsDollars. Currency conversion will be at rates determined by, or available to, us or the Automated Clearing HouseACH. You will bear all currency conversion risk as well as associated with international entries; you will bear all gains or losses associated with currency conversion for international entries. All wires and ACH transfers must comply with applicable U.S. law. If you use these services and receive funds by wire or ACH transfer, you agree to confirm the transfers by reviewing your periodic statement (or online service we offer), since we are not obligated to notify you when funds are received. While we may conditionally and provi- sionally credit the account you have with us for an ACH transfer, if we are not finally and ultimately paid for the transfer, we may re- verse the credit to the account, in which case the sender will be deemed not to have paid you. If we cannot reverse the credit or you do not have sufficient funds in an account, you agree to reimburse us for the amount of the reversed transfer.

Account Transfers by Wire or ACH. We may offer wire transfers or ACH transfers that allow you to send or receive debits or credits to an account with us. We may require all wire transfers to be authorized in writing. When you initiate a wire or ACH transfer you may identify either the recipient or any financial institution by name and by account or identifying number. We (and other institutions) may rely on the account or other identifying number you give to us as the proper identification number, even if it identifies a different person or institution. You understand we may confirm the information on all wire requests before sending the wire. Once we have sent an outgoing wire, the transfer is final and cannot be stopped, so please make sure all the information about the wire is correct and that you want the wire sent according to that information. If you provide incomplete or inaccurate written or verbal ver- bal transfer instructions to us, we will not be responsible for any resulting wire transfer losses, delays or failed transactions. You understand un- derstand international wire transfers may not be completed for several weeks sev- eral weeks, or at all. Wire transfers are governed by Federal Reserve Regulation J if the transfer is cleared through the Federal Reserve. ACH transactions are governed by the rules of the National Automated Clearing House Association (NACHA). You acknowledge that our pro- cessing of international transactions may be delayed if necessary to complete legally screening required screeningby federal law. You must ensure that all international entries you initiate are designated with the appropriate ap- propriate international entry code code, as required by the NACHA rules. All entries will be credited to or debited from the account you have with us in U.S. dollars. Currency conversion will be at rates determined by, or available to, us or the Automated Clearing House. You will bear all currency conversion risk as well as all gains or losses associated associ- ated with currency conversion for international entries. All wires and ACH transfers must comply with applicable U.S. law. If you use these services and receive funds by wire or ACH transfer, you agree to confirm the transfers by reviewing your periodic statement (or online service we offer), since we are not obligated to notify you when funds are received. While we may conditionally and provi- sionally credit the account you have with us for with an ACH transfer, if we are not finally and ultimately paid for the transfer, we may re- verse reverse the credit to the account, in which case account and the sender will be deemed not to have paid you. If we cannot reverse the credit or you do not have sufficient funds in an account, you agree to reimburse us for the amount of the reversed transfer.

Account Transfers by Wire or ACH. We may offer wire transfers or ACH transfers that allow you to send or receive debits or credits to an account with us. We may require all wire transfers to be authorized in writing. When you initiate a wire or ACH transfer you may identify either the recipient or any financial institution by name and by account or identifying number. We (and other institutions) may rely on the account or other identifying number you give to us as the proper identification number, even if it identifies a different person or institution. You understand we may confirm the information on all wire requests before sending the wire. Once we have sent an outgoing wire, the transfer is final and cannot be stopped, so please make sure all the information about the wire is correct and that you want the wire sent according to that information. If you provide incomplete or inaccurate written or verbal transfer instructions to us, we will not be responsible for any resulting wire transfer losses, delays or failed transactions. You understand un- derstand international wire transfers may not be completed for several weeks sev- eral weeks, or at all. Wire transfers are governed by Federal Reserve Regulation J if the transfer is cleared through the Federal Reserve. ACH transactions are governed by the rules of the National Automated Clearing House Association (NACHA). You acknowledge that our pro- cessing of international transactions may be delayed if necessary to complete legally screening required screeningby Federal law. You must ensure that all international entries you initiate are designated with the appropriate ap- propriate international entry code code, as required by the NACHA rules. All entries will be credited to or debited from the account you have with us in U.S. dollars. Currency conversion will be at rates determined by, or available to, us or the Automated Clearing House. You will bear all currency conversion risk as well as all gains or losses associated associ- ated with currency conversion for international entries. All wires and ACH transfers must comply with applicable U.S. law. If you use these services and receive funds by wire or ACH transfer, you agree to confirm the transfers by reviewing your periodic statement (or online service we offer), since we are not obligated to notify you when funds are received. While we may conditionally and provi- sionally credit the account you have with us for with an ACH transfer, if we are not finally and ultimately paid for the transfer, we may re- verse reverse the credit to the account, in which case account and the sender will be deemed not to have paid you. If we cannot reverse the credit or you do not have sufficient funds in an account, you agree to reimburse us for the amount of the reversed transfer.

Account Transfers by Wire or ACH. We may offer wire transfers or ACH transfers that allow you to send or receive debits or credits to an account with us. We may require all wire transfers to be authorized in writing. When you initiate a wire or ACH transfer you may identify either the recipient or any financial institution by name and by account or identifying number. We (and other institutions) may rely on the account or other identifying number you give to us as the proper identification number, even if it identifies a different person or institution. You understand we may confirm the information on all wire requests before sending the wire. Once we have sent an outgoing wire, the transfer is final and cannot be stopped, so please make sure all the information about the wire is correct and that you want the wire sent according to that information. If you provide incomplete or inaccurate written or verbal ver- bal transfer instructions to us, we will not be responsible for any resulting wire transfer losses, delays or failed transactions. You understand un- derstand international wire transfers may not be completed for several weeks sev- eral weeks, or at all. Wire transfers are governed by Federal Reserve Regulation J if the transfer is cleared through the Federal Reserve. ACH transactions are governed by the rules of the National Automated Clearing House Association (NACHA). You acknowledge that our pro- cessing processing of international in- ternational transactions may be delayed if necessary to complete legally screening required screeningby federal law. You must ensure that all international interna- tional entries you initiate are designated with the appropriate international interna- tional entry code code, as required by the NACHA rules. All entries will be credited to or debited from the account you have with us in U.S. dollarsdol- lars. Currency conversion will be at rates determined by, or available to, us or the Automated Clearing House. You will bear all currency conversion con- version risk as well as all gains or losses associated with currency conversion for international entries. All wires and ACH transfers must comply with applicable U.S. law. If you use these services and receive re- ceive funds by wire or ACH transfer, you agree to confirm the transfers trans- fers by reviewing your periodic statement (or online service we offer), since we are not obligated to notify you when funds are received. While we may conditionally and provi- sionally provisionally credit the account you have with us for with an ACH transfer, if we are not finally and ultimately paid for the transfer, we may re- verse reverse the credit to the account, in which case account and the sender will be deemed not to have paid you. If we cannot reverse the credit or you do not have sufficient funds in an account, you agree to reimburse us for the amount of the reversed transfer.

Account Transfers by Wire or ACH. We may offer wire transfers or ACH transfers that allow you to send or receive debits or credits to an account with us. We may require all wire transfers to be authorized in writing. When you initiate a wire or ACH transfer you may identify either the recipient or any financial institution by name and by account or identifying number. We (and other institutions) may rely on the account or other identifying identi- fying number you give to us as the proper identification number, even if it identifies a different person or institution. You understand we may confirm the information on all wire requests before sending the wire. Once we have sent an outgoing wire, the transfer is final and cannot be stopped. If you provide incomplete or inaccurate written or verbal transfer instructions to us, we will not be responsible respon- sible for any resulting wire transfer losses, delays or failed transactionstransac- tions. You understand international wire transfers may not be completed com- pleted for several weeks or at all. Wire transfers are governed by Federal Reserve Regulation J if the transfer is cleared through the Federal Reserve. ACH transactions are governed by the rules of the National Automated Clearing House Association (NACHA). You acknowledge that our pro- cessing processing of international in- ternational transactions may be delayed if necessary to complete legally xx- xxxxx required screening. You must ensure that all international entries en- tries you initiate are designated with the appropriate international entry code as required by the NACHA rules. All entries will be credited cred- ited to or debited from the account you have with us in U.S. dollars. Currency conversion will be at rates determined by, or available to, us or the Automated Clearing House. You will bear all currency conversion con- version risk as well as all gains or losses associated with currency conversion for international entries. All wires and ACH transfers must comply with applicable U.S. law. If you use these services and receive re- ceive funds by wire or ACH transfer, you agree to confirm the transfers trans- fers by reviewing your periodic statement (or online service we offer), since we are not obligated to notify you when funds are received. While we may conditionally and provi- sionally provisionally credit the account you have with us for an ACH transfer, if we are not finally and ultimately paid for the transfer, we may re- verse reverse the credit to the account, in which case the sender will be deemed not to have paid you. If we cannot reverse the credit or you do not have sufficient funds in an account, you agree to reimburse us for the amount of the reversed transfer.

Account Transfers by Wire or ACH. We may offer wire transfers or ACH transfers that allow you to send or receive debits or credits to an account with us. We may require all wire transfers to be authorized in writing. When you initiate a wire or ACH transfer you may identify either the recipient or any financial institution by name and by account or identifying number. We (and other oth- er institutions) may rely on the account or other identifying number you give to us as the proper identification number, even if it identifies a different person or institution. You understand we may confirm the information on all wire requests before sending the wire. Once we have sent an outgoing wire, the transfer is final and cannot be stopped, so please make sure all the information about the wire is correct and that you want the wire sent according to that information. If you provide incomplete or inaccurate written or verbal transfer instructions to us, we will not be responsible for any resulting wire transfer losses, delays or failed transactions. You understand international in- ternational wire transfers may not be completed for several weeks weeks, or at all. Wire transfers are governed by Federal Reserve Regulation J if the transfer is cleared through the Federal Reserve. ACH transactions are governed by the rules of the National Na- tional Automated Clearing House Association (NACHA). You acknowledge that our pro- cessing processing of international transactions may be delayed if necessary to complete legally screening required screeningby federal law. You must ensure that all international entries you initiate are designated with the appropriate international entry code code, as required by the NACHA rules. All entries will be credited to or debited from the account you have with us in U.S. dollars. Currency conversion will be at rates determined by, or available to, us or the Automated Clearing House. You will bear all currency conversion risk as well as all gains or losses associated with currency conversion for international entries. All wires and ACH transfers must comply with applicable U.S. law. If you use these services ser- vices and receive funds by wire or ACH transfer, you agree to confirm the transfers by reviewing your periodic statement (or online service we offer), since we are not obligated obligat- ed to notify you when funds are received. While we may conditionally and provi- sionally provisionally credit the account you have with us for with an ACH transfer, if we are not finally and ultimately ulti- mately paid for the transfer, we may re- verse reverse the credit to the account, in which case account and the sender will be deemed not to have paid you have paid you. If we cannot reverse the credit or you do not have sufficient funds in an account, you agree to reimburse us for the amount of the reversed transfer.

Account Transfers by Wire or ACH. We may offer wire transfers or ACH transfers that allow you to send or receive debits or credits to an account with us. We may require all wire transfers to be authorized in writing. When you initiate a wire or ACH transfer you may identify either the recipient or any financial institution by name and by account or identifying number. We (and other institutions) may rely on the account or other identifying number you give to us as the proper identification number, even if it identifies a different person or institution. You understand we may confirm the information on all wire requests before sending the wire. Once we have sent an outgoing wire, the transfer is final and cannot be stopped, so please make sure all the information about the wire is correct and that you want the wire sent according to that information. If you provide incomplete or inaccurate written or verbal ver- bal transfer instructions to us, we will not be responsible for any resulting wire transfer losses, delays or failed transactions. You understand un- derstand international wire transfers may not be completed for several weeks sev- eral weeks, or at all. Wire transfers are governed by Federal Reserve Regulation J if the transfer is cleared through the Federal Reserve. ACH transactions are governed by the rules of the National Automated Clearing House Association (NACHA). You acknowledge that our pro- cessing of international transactions may be delayed if necessary to complete legally screening required screeningby Federal law. You must ensure that all international entries you initiate are designated with the appropriate ap- propriate international entry code code, as required by the NACHA rules. All entries will be credited to or debited from the account you have with us in U.S. dollars. Currency conversion will be at rates determined by, or available to, us or the Automated Clearing House. You will bear all currency conversion risk as well as all gains or losses associated associ- ated with currency conversion for international entries. All wires and ACH transfers must comply with applicable U.S. law. If you use these services and receive funds by wire or ACH transfer, you agree to confirm the transfers by reviewing your periodic statement (or online service we offer), since we are not obligated to notify you when funds are received. While we may conditionally and provi- sionally credit the account you have with us for with an ACH transfer, if we are not finally and ultimately paid for the transfer, we may re- verse reverse the credit to the account, in which case account and the sender will be deemed not to have paid you. If we cannot reverse the credit or you do not have sufficient funds in an account, you agree to reimburse us for the amount of the reversed transfer.

Account Transfers by Wire or ACH. We may offer wire transfers or ACH transfers that allow you to send or receive debits or credits to an account with us. We may require all wire transfers to be authorized in writing. When you initiate a wire or ACH transfer you may identify either the recipient or any financial institution by name and by account or identifying number. We (and other institutions) may rely on the account or other identifying number you give to us as the proper identification number, even if it identifies a different person or institution. You understand we may confirm the information on all wire requests before sending the wire. Once we have sent an outgoing wire, the transfer is final and cannot be stopped, so please make sure all the information about the wire is correct and that you want the wire sent according to that information. If you provide incomplete or inaccurate written or verbal transfer instructions to us, we will not be responsible for any resulting wire transfer losses, delays or failed transactions. You understand international wire transfers may not be completed for several weeks weeks, or at all. Wire transfers are governed by Federal Reserve Regulation J if the transfer is cleared through the Federal Reserve. ACH transactions transac- tions are governed by the rules of the National Automated Clearing Clear- ing House Association (NACHA). You acknowledge that our pro- cessing of international transactions may be delayed if necessary to complete legally screening required screeningby Federal law. You must ensure that all international entries you initiate are designated with the appropriate international entry code code, as required by the NACHA rules. All entries will be credited to or debited from the account you have with us in U.S. dollars. Currency conversion will be at rates determined de- termined by, or available to, us or the Automated Clearing House. You will bear all currency conversion risk as well as all gains or losses loss- es associated with currency conversion for international entries. All wires and ACH transfers must comply with applicable U.S. law. If you use these services and receive funds by wire or ACH transfer, you agree to confirm the transfers by reviewing your periodic pe- riodic statement (or online service we offer), since we are not obligated ob- ligated to notify you when funds are received. While we may conditionally con- ditionally and provi- sionally provisionally credit the account you have with us for with an ACH transfer, if we are not finally and ultimately paid for the transfer, we may re- verse reverse the credit to the account, in which case account and the sender will be deemed not to have paid you. If we cannot reverse the credit or you do not have sufficient funds in an account, you agree to reimburse us for the amount of the reversed transfer.

Account Transfers by Wire or ACH. We may offer wire transfers or ACH Automated Clearing House (ACH) transfers that allow you to send or receive debits or credits to your account. Should you use these services and receive funds by wire or ACH transfer you agree to confirm the transfers by re- viewing your periodic statement, and understand that we have no duty to notify you when the funds are received. While we may conditionally and provisionally credit your account for an ACH transfer, if we are not finally and ultimately paid (do not receive final settlement) for the transfer we may reverse the credit to your account with usor alternatively you agree to reimburse us for the amount of the reversed transfer. We may require all that wire transfers to be authorized in writing. When you initiate a wire or ACH transfer transfer, you may identify either the recipient or any financial institution by name and by account or identifying number. We (and other institutions) institutions may rely on the account or other identifying number you give to us as the proper identification number, even if it identifies a different person or institution. You understand that we may confirm the information on all ACH and wire requests before sending the ACH or wire, and that processing of requests may be delayed in order to complete Office of Foreign Asset Controls (OFAC) screening if initial screening indicates a possible match. Once we have sent an outgoing wire, the transfer is final and cannot be stopped. If you provide pro- vide incomplete or inaccurate written or verbal oral transfer instructions to usinstructions, we will not be responsible re- sponsible for any resulting wire transfer losses, delays or failed transactions. You understand international wire transfers may not be completed for several up to four weeks or at alllonger. Wire transfers are governed by Federal Reserve Regulation J if the transfer is cleared through the Federal Reserve. ACH transactions are governed by the rules of the National Automated Clearing House Association (NACHA). You acknowledge that our pro- cessing processing of international transactions may be delayed if necessary to complete legally required OFAC screening. You must ensure that all international entries en- tries you initiate are designated with the appropriate international entry code as required by the NACHA rulesRules. All entries will be credited to or debited from the account you have with us your Account in U.S. dollarsDollars. Currency conversion will be at rates determined by, or available to, us or the Automated Clearing HouseACH. You will bear all currency conversion risk as well as associated with international entries; you will bear all gains or losses associated with currency conversion for international entries. All wires and ACH transfers must comply with applicable U.S. law. If you use these services and receive funds by wire or ACH transfer, you agree to confirm the transfers by reviewing your periodic statement (or online service we offer), since we are not obligated to notify you when funds are received. While we may conditionally and provi- sionally credit the account you have with us for an ACH transfer, if we are not finally and ultimately paid for the transfer, we may re- verse the credit to the account, in which case the sender will be deemed not to have paid you. If we cannot reverse the credit or you do not have sufficient funds in an account, you agree to reimburse us for the amount of the reversed transfer.

Account Transfers by Wire or ACH. We may offer wire transfers or ACH Automated Clearing House (ACH) transfers that allow you to send or receive debits or credits to your account. Wire transfers are governed by Federal Reserve Regu- lation J if the transfer is cleared through the Federal Reserve. ACH transactions are governed by the rules of the National Au- tomated Clearing House Association (NACHA). Should you use these services and receive funds by wire or ACH transfer you agree to confirm the transfers by reviewing your periodic state- ment, and understand that (as provided in NACHA rules) we have no duty to notify you when the funds are received. While we may conditionally and provisionally credit your account for an ACH transfer, if we are not finally and ultimately paid (do not receive final settlement) for the transfer we may reverse the credit to your account with usor alternatively you agree to reimburse us for the amount of the reversed transfer. In such cases, the originator of the ACH transfer will not be considered to have paid you the amount of the transfer. We may require all that wire transfers to be authorized in writingwrit- ing. When you initiate a wire or ACH transfer transfer, you may identify either the recipient or any financial institution by name and by account or identifying number. We (and other institutions) institutions may rely on the account ac- count or other identifying number you give to us as the proper identification identifi- cation number, even if it identifies a different person or institution. You understand that we may confirm the information on all ACH and wire requests before sending the ACH or wire, and that pro- cessing of requests may be delayed in order to complete Office of Foreign Asset Controls (OFAC) screening if initial screening indi- xxxxx a possible match. Once we have sent an outgoing wire, the transfer is final and cannot be stopped. If you provide incomplete or inaccurate written or verbal oral transfer instructions to usinstructions, we will not be responsible for any resulting wire transfer losses, delays or failed transactions. You understand international wire transfers may not be completed for several up to four weeks or at all. Wire transfers are governed by Federal Reserve Regulation J if the transfer is cleared through the Federal Reserve. ACH transactions are governed by the rules of the National Automated Clearing House Association (NACHA)longer. You acknowledge that our pro- cessing processing of international transactions may be delayed if necessary to complete legally required OFAC screening. You must ensure that all international entries you initiate are designated designat- ed with the appropriate international entry code as required by the NACHA rulesRules. All entries will be credited to or debited from the account you have with us your Account in U.S. dollarsDollars. Currency conversion will be at rates determined by, or available to, us or the Automated Clearing HouseACH. You will bear all currency conversion risk as well as asso- ciated with international entries; you will bear all gains or losses associated with currency conversion for international entries. All wires and ACH transfers must comply with applicable U.S. law. If you use these services and receive funds by wire or ACH transfer, you agree to confirm the transfers by reviewing your periodic statement (or online service we offer), since we are not obligated to notify you when funds are received. While we may conditionally and provi- sionally credit the account you have with us for an ACH transfer, if we are not finally and ultimately paid for the transfer, we may re- verse the credit to the account, in which case the sender will be deemed not to have paid you. If we cannot reverse the credit or you do not have sufficient funds in an account, you agree to reimburse us for the amount of the reversed transfer.

Account Transfers by Wire or ACH. We may offer wire transfers or ACH transfers that allow you to send or receive debits or credits to an account with us. We may require all wire transfers to be authorized in writing. When you initiate a wire or ACH transfer you may identify either the recipient or any financial institution by name and by account or identifying number. We (and other institutions) may rely on the account or other identifying number you give to us as the proper identification number, even if it identifies a different dif- ferent person or institution. You understand we may confirm the information in- formation on all wire requests before sending the wire. Once we have sent an outgoing wire, the transfer is final and cannot be stopped, so please make sure all the information about the wire is correct and that you want the wire sent according to that information. If you provide pro- vide incomplete or inaccurate written or verbal transfer instructions to us, we will not be responsible for any resulting wire transfer losses, delays or failed transactions. You understand international wire transfers may not be completed for several weeks weeks, or at all. Wire transfers are governed by Federal Reserve Regulation J if the transfer is cleared through the Federal Reserve. ACH transactions are governed by the rules of the National Automated Clearing House Association (NACHA). You acknowledge that our pro- cessing processing of international in- ternational transactions may be delayed if necessary to complete legally screening required screeningby Federal law. You must ensure that all international interna- tional entries you initiate are designated with the appropriate international interna- tional entry code code, as required by the NACHA rules. All entries will be credited to or debited from the account you have with us in U.S. dollarsdol- lars. Currency conversion will be at rates determined by, or available to, us or the Automated Clearing House. You will bear all currency conversion con- version risk as well as all gains or losses associated with currency conversion for international entries. All wires and ACH transfers must comply with applicable U.S. law. If you use these services and receive re- ceive funds by wire or ACH transfer, you agree to confirm the transfers trans- fers by reviewing your periodic statement (or online service we offer), since we are not obligated to notify you when funds are received. While we may conditionally and provi- sionally provisionally credit the account you have with us for with an ACH transfer, if we are not finally and ultimately paid for the transfer, we may re- verse reverse the credit to the account, in which case account and the sender will be deemed not to have paid you. If we cannot reverse the credit or you do not have sufficient funds in an account, you agree to reimburse us for the amount of the reversed transfer.

Account Transfers by Wire or ACH. We may offer wire transfers or ACH transfers that allow you to send or receive debits or credits to an account with us. We may require all wire transfers to be authorized in writing. When you initiate a wire or ACH transfer you may identify either the recipient or any financial institution by name and by account or identifying number. We (and other institutions) may rely on the account or other identifying number you give to us as the proper identification number, even if it identifies a different person or institution. You understand we may confirm the information on all wire requests before sending the wire. Once we have sent an outgoing wire, the transfer is final and cannot be stopped, so please make sure all the information about the wire is correct and that you want the wire sent according to that information. If you provide incomplete or inaccurate written or verbal ver- bal transfer instructions to us, we will not be responsible for any resulting wire transfer losses, delays or failed transactions. You understand un- derstand international wire transfers may not be completed for several weeks sev- eral weeks, or at all. Wire transfers are governed by Federal Reserve Regulation J if the transfer is cleared through the Federal Reserve. ACH transactions are governed by the rules of the National Automated Clearing House Association (NACHA). You acknowledge that our pro- cessing processing of international in- ternational transactions may be delayed if necessary to complete legally screening required screeningby federal law. You must ensure that all international interna- tional entries you initiate are designated with the appropriate international interna- tional entry code code, as required by the NACHA rules. All entries will be credited to or debited from the account you have with us in U.S. dollarsdol- lars. Currency conversion will be at rates determined by, or available to, us or the Automated Clearing House. You will bear all currency conversion con- version risk as well as all gains or losses associated with currency conversion for international entries. All wires and ACH transfers must comply with applicable U.S. law. If you use these services and receive re- ceive funds by wire or ACH transfer, you agree to confirm the transfers trans- fers by reviewing your periodic statement (or online service we offer), since we are not obligated to notify you when funds are received. While we may conditionally and provi- sionally provisionally credit the account you have with us for with an ACH transfer, if we are not finally and ultimately paid for the transfer, we may re- verse reverse the credit to the account, in which case account and the sender will be deemed not to have paid you have paid you. If we cannot reverse the credit or you do not have sufficient funds in an account, you agree to reimburse us for the amount of the reversed transfer.