Common use of Stop Payment Clause in Contracts

Stop Payment. You may stop payment of items drawn on your accounts. You agree to hold us harmless from any claim, loss, damage, or expense that we may incur, including attorney’s fees, resulting from our refusing payment of any item on which you have stopped payment or from the payment of any item after your stop payment order has expired. A stop payment order will be effective for six months and may be renewed upon a request made in writing to us. A stop payment order, a renewal of an order, or a revocation of any such order shall not be effective unless delivered to us in writing to a member of our staff during our regular business hours and until we have had a reasonable opportunity to act on it. In addition, we will not be liable for the payment of an item over a stop payment order if the order is received after 10:00 am on the next banking day after the banking day on which we received the item. Due to computer system limitations, we can intercept an item subject to a stop payment order only if the precise amount, date, check number, name of payee, and any other information that we may reasonably require is provided. If that information is not provided, we will not be responsible if we are unable to stop payment if the order is made orally, we have no obligation to honor it. If we do honor an oral stop payment order, it will only be binding for 24 hours, after which it must be renewed in writing. Any stop payment order, renewal, or revocation will incur a charge as set forth in the Fee Schedule. You agree that we may honor a stop payment order, revocation, or renewal if made by the person who signed the check to be stopped or any other person who has signed the Application or is otherwise authorized to transact business relating to the account. You agree that we will not be liable for any inadvertent payment of any item, notwithstanding a stop payment order, if we have used ordinary care and followed our usual practices in handling such an order. If an item is paid over a valid stop payment order due to our failure to exercise ordinary care, we may be liable to you for any loss you suffer as a result of that inadvertent payment. You agree, however, that it will be your responsibility to establish any such loss. You agree that we will never be liable for more than your actual loss and that we will not be liable for any consequential damages. If we do credit your account after paying an item over a valid stop payment order, you agree to take whatever action we deem necessary to transfer to us all of your rights against the payee or holder of the item and to assist us if we take legal action against the payee or any other person. In the event that you instruct us to stop payment of certain pre-authorized debits, you acknowledge and agree that, at our option, we may stop payment of all pre-authorized debits from your account if we deem that action necessary to ensure that your stop payment order will be effective. You also acknowledge and agree that we will not be liable for our failure to stop payment for future pre-authorized debits, notwithstanding your stop payment order, if our failure is caused in whole or in part by the actions of the payee. For information concerning your right to stop payment of pre-authorized electronic funds transfers, please refer to our Electronic Funds Transfer Agreement and Disclosures. You may not stop payment of Cashier’s Checks or Credit Union Teller Checks issued by us at your request. You may not stop payment of transactions initiated through the use of a debit card or a similar device at an ATM or a Point of Sale terminal.

Stop Payment. You may stop payment of on items drawn on your accountsAccounts. You agree to hold us harmless from any claimYOU AGREE TO RELEASE AND HOLD US HARMLESS FROM ANY CLAIM, lossLOSS, damageDAMAGE, or expense that we may incurOR EXPENSE THAT WE MAY INCUR, including attorney’s feesINCLUDING ATTORNEY’S FEES, resulting from our refusing payment of any item on which you have stopped payment or from the payment of any item after your stop payment order has expiredRESULTING FROM OUR REFUSING PAYMENT OF ANY ITEM ON WHICH YOU HAVE STOPPED PAYMENT OR FROM THE PAYMENT OF ANY ITEM AFTER YOUR STOP PAYMENT ORDER HAS EXPIRED. A stop payment order on checks will be effective for six months and may must be renewed upon a request made every six months thereafter if you wish for it to be extended. Stop payment requests on electronic fund transfer items will remain in writing to useffect until the earlier of: (a) the withdrawal of the stop payment order by you or another authorized account holder; or (b) the return of the related transaction. A stop payment order, a renewal of an order, or a revocation of any such order shall not be effective unless delivered to us in writing to a member of our staff during our regular business hours and until we have had a reasonable opportunity to act on it. In addition, we will not be liable for the payment of an item over a stop payment order if the order is received after 10:00 am on the next banking day after the banking day on which we received the item. Due to computer system systems limitations, we can intercept an item subject to a stop payment order only if the precise amount, date, check number, name of payee, and any other information that we may reasonably require is provided. If that information is not provided, we will not be responsible if we are unable to stop payment if payment. If the order is made orallyverbally, we have no obligation to honor it. If , but we do honor an oral normally will accept a verbal stop payment order, it will only be binding for 24 hours, after which it must be renewed in writing. Any stop payment order, renewal, or revocation will incur a charge as set forth in the on our Fee Schedule. You agree that we may honor a stop payment order, revocation, or renewal if made by the person who signed the check to be stopped or by any other person who has signed the Application or is otherwise authorized to transact business relating to the accountAccount. You agree that we will not be liable for any inadvertent payment of any item, notwithstanding a stop payment order, if we have used ordinary care and followed our usual practices in handling such an order. If an item is paid over a valid stop payment order due to our failure to exercise ordinary care, we may be liable to you for any loss you suffer as a result of that inadvertent payment. You agree, however, that it will be your responsibility to establish any such loss. You agree that we will never be liable for more than your actual loss and that we will not be liable for any consequential damages. If we do credit your account Account after paying an item over a valid stop payment order, you agree to take whatever action we deem necessary to transfer to us all of your rights against the payee or holder of the item and to assist us if we take legal action against the payee or any other person. In the event that you instruct us to stop payment of certain pre-authorized debits, you acknowledge and agree that, at our option, we may stop payment of all pre-authorized debits from your account if we deem that action necessary to ensure that your stop payment order will be effective. You also acknowledge and agree that we will not be liable for our failure to stop payment for future pre-authorized debits, notwithstanding your stop payment order, if our failure is caused in whole or in part by the actions of the payee. For information concerning your right to stop payment of pre-authorized preauthorized electronic funds fund transfers, please refer to our your Electronic Funds Transfer Fund Transfers Agreement and Disclosures. You may not stop payment of Cashier’s Checks or Credit Union Teller Official Checks issued by us at your request. You may not stop payment of on transactions initiated through the use of a debit card an RBFCU Freedom Debit card, or a similar device at an ATM or at a Point point of Sale terminalsale.

Stop Payment. You may stop payment of on items drawn on your accountsAccounts. You agree to hold us harmless from any claimYOU AGREE TO RELEASE AND HOLD US HARMLESS FROM ANY CLAIM, lossLOSS, damageDAMAGE, or expense that we may incurOR EXPENSE THAT WE MAY INCUR, including attorney’s feesINCLUDING ATTORNEY’S FEES, resulting from our refusing payment of any item on which you have stopped payment or from the payment of any item after your stop payment order has expiredRESULTING FROM OUR REFUSING PAYMENT OF ANY ITEM ON WHICH YOU HAVE STOPPED PAYMENT OR FROM THE PAYMENT OF ANY ITEM AFTER YOUR STOP PAYMENT ORDER HAS EXPIRED. A stop payment order on checks will be effective for six months and may must be renewed upon every six months thereafter if you wish for it to be extended. A stop payment request for an Electronic Fund Transfer processed as an ACH will remain in effect until the earlier of: a) the request to revoke or cancel the stop payment order by you or another authorized account holder; b) the return of the specified transaction of the one-time stop payment requests; c) the return of all such entries relating to a request made in writing to usspecific authorization involving the specified payee or indefinitely for recurring stop payment request. A stop payment order, a renewal of an order, or a revocation of any such order shall not be effective unless delivered to us in writing to a member of our staff during our regular business hours and until we have had a reasonable opportunity to act on it. In addition, we will not be liable for the payment of an item over a stop payment order if the order is received after 10:00 am on the next banking day after the banking day on which we received the item. Due to computer system systems limitations, we can intercept an item subject to a stop payment order only if the precise amount, date, check number, name of payee, and any other information that we may reasonably require is provided. If that information is not provided, we will not be responsible if we are unable to stop payment if payment. If the order is made orallyverbally, we have no obligation to honor it. If , but we do honor an oral normally will accept a verbal stop payment order, it will only be binding for 24 hours, after which it must be renewed in writing. Any stop payment order, renewal, or revocation will incur a charge as set forth in the on our Fee Schedule. You agree that we may honor a stop payment order, revocation, or renewal if made by the person who signed the check to be stopped or by any other person who has signed the Application or is otherwise authorized to transact business relating to the accountAccount. You agree that we will not be liable for any inadvertent payment of any item, notwithstanding a stop payment order, if we have used ordinary care and followed our usual practices in handling such an order. If an item is paid over a valid stop payment order due to our failure to exercise ordinary care, we may be liable to you for any loss you suffer as a result of that inadvertent payment. You agree, however, that it will be your responsibility to establish any such loss. You agree that we will never be liable for more than your actual loss and that we will not be liable for any consequential damages. If we do credit your account Account after paying an item over a valid stop payment order, you agree to take whatever action we deem necessary to transfer to us all of your rights against the payee or holder of the item and to assist us if we take legal action against the payee or any other person. In the event that you instruct us to stop payment of certain pre-authorized debits, you acknowledge and agree that, at our option, we may stop payment of all pre-authorized debits from your account if we deem that action necessary to ensure that your stop payment order will be effective. You also acknowledge and agree that we will not be liable for our failure to stop payment for future pre-authorized debits, notwithstanding your stop payment order, if our failure is caused in whole or in part by the actions of the payee. For information concerning your right to stop payment of pre-authorized preauthorized electronic funds fund transfers, please refer to our your Electronic Funds Transfer Fund Transfers Agreement and DisclosuresDisclosure. You may not stop payment of Cashier’s Checks or Credit Union Teller Official Checks issued by us at your request. You may not stop payment of on transactions initiated through the use of a debit card an RBFCU Freedom Debit card, or a similar device at an ATM or at a Point point of Sale terminalsale.

Stop Payment. You may stop payment of on items drawn on your accountsAccounts. You agree to hold us harmless from any claimYOU AGREE TO RELEASE AND HOLD US HARMLESS FROM ANY CLAIM, lossLOSS, damageDAMAGE, or expense that we may incurOR EXPENSE THAT WE MAY INCUR, including attorney’s feesINCLUDING ATTORNEY’S FEES, resulting from our refusing payment of any item on which you have stopped payment or from the payment of any item after your stop payment order has expiredRESULTING FROM OUR REFUSING PAYMENT OF ANY ITEM ON WHICH YOU HAVE STOPPED PAYMENT OR FROM THE PAYMENT OF ANY ITEM AFTER YOUR STOP PAYMENT ORDER HAS EXPIRED. A stop payment order on checks will be effective for six months and may must be renewed upon a request made every six months thereafter if you wish for it to be extended. Stop payment requests on electronic fund transfer items will remain in writing to useffect until the earlier of: (a) the withdrawal of the stop payment order by you or another authorized account holder; or (b) the return of the related transaction. A stop payment order, a renewal of an order, or a revocation of any such order shall not be effective unless delivered to us in writing to a member of our staff during our regular business hours and until we have had a reasonable opportunity to act on it. In addition, we will not be liable for the payment of an item over a stop payment order if the order is received after 10:00 am on the next banking day after the banking day on which we received the item. Due to computer system systems limitations, we can intercept an item subject to a stop payment order only if the precise amount, date, check number, name of payee, and any other information that we may reasonably require is provided. If that information is not provided, we will not be responsible if we are unable to stop payment if payment. If the order is made orallyverbally, we have no obligation to honor it. If , but we do honor normally will accept an oral verbal stop payment order, it will only be binding for 24 hours, after which it must be renewed in writing. Any stop payment order, renewal, or revocation will incur a charge as set forth in the on our Fee Schedule. You agree that we may honor a stop payment order, revocation, or renewal if made by the person who signed the check to be stopped or by any other person who has signed the Application or is otherwise authorized to transact business relating to the accountAccount. You agree that we will not be liable for any inadvertent payment of any item, notwithstanding a stop payment order, if we have used ordinary care and followed our usual practices in handling such an order. If an item is paid over a valid stop payment order due to our failure to exercise ordinary care, we may be liable to you for any loss you suffer as a result of that inadvertent payment. You agree, however, that it will be your responsibility to establish any such loss. You agree that we will never be liable for more than your actual loss and that we will not be liable for any consequential damages. If we do credit your account Account after paying an item over a valid stop payment order, you agree to take whatever action we deem necessary to transfer to us all of your rights against the payee or holder of the item and to assist us if we take legal action against the payee or any other person. In the event that you instruct us to stop payment of certain pre-authorized debits, you acknowledge and agree that, at our option, we may stop payment of all pre-authorized debits from your account if we deem that action necessary to ensure that your stop payment order will be effective. You also acknowledge and agree that we will not be liable for our failure to stop payment for future pre-authorized debits, notwithstanding your stop payment order, if our failure is caused in whole or in part by the actions of the payee. For information concerning your right to stop payment of pre-authorized preauthorized electronic funds fund transfers, please refer to our your Electronic Funds Transfer Fund Transfers Agreement and Disclosures. You may not stop payment of Cashier’s Checks or Credit Union Teller Official Checks issued by us at your request. You may not stop payment of on transactions initiated through the use of a debit card an RBFCU Freedom Debit card, or a similar device at an ATM or at a Point point of Sale terminalsale.

Stop Payment. You may initiate stop payment requests online via the Online Banking System only for paper checks you have written (non-electronic) on your Bank accounts. The System allows you to: (1) place a stop payment order request of up to six (6) months in duration; or (2) determine the paid status of a check. If you use the Services stop payment feature, then you must follow the procedures and specification described in this Agreement. The cut-off time for us to receive a stop-payment request is 5:00 PM on a business day and a stop payment request received after that time or on a non-business day will be processed on the next business day. You must provide the Bank with complete and accurate information in a timely manner on: the account number, the date of the item or check; the item or check number; the EXACT amount of the item or check (dollars and cents); the payee name and the reason for the stop payment. If any information is incomplete or incorrect, the Bank will not be responsible for failing to stop payment on the item or check. The Bank shall have no responsibility to determine the accuracy of such information. Stop payment requests which cover a range of checks or items that are missing or stolen will be processed without regard to the dollar amount. The Bank is not responsible for stop payment requests received for items or checks that have already cleared or been paid from your account. The Bank may provide you notice of the actual stop payment of items drawn on a check by making such information accessible to you online via the System. Stop payment orders are effective for only six months unless renewed by you prior to expiration of the original order. From time to time, the Stop Payment Service may be inoperable. If that occurs, your accountsrequest can be communicated to the Bank by calling Customer Service at (▇▇▇) ▇▇▇-▇▇▇▇. You agree to hold us harmless from indemnify the Bank against any claimloss for the amount of said check and all expenses, losscosts and consequential damages, damageif any, or expense that we may incur, including attorney’s fees, resulting from our incurred by the Bank because of refusing payment pursuant to your stop payment order. You agree not to hold the Bank liable on account of any item on which you have stopped payment or from the payment of any item after contrary to your stop payment order has expired. A stop payment order will be effective for six months and may be renewed upon a request made in writing to us. A stop payment orderif same occurs through inadvertence, a renewal of an orderaccident or oversight, or a revocation if by reason of any such order shall not be effective unless delivered to us in writing to a member of our staff during our regular business hours and until we have had a reasonable opportunity to act on it. In addition, we will not be liable for the payment of an item over a stop payment order if the order is received after 10:00 am on the next banking day after the banking day on which we received the item. Due to computer system limitations, we can intercept an item subject to a stop payment order only if the precise amount, date, check number, name of payee, and any other information that we may reasonably require is provided. If that information is not provided, we will not be responsible if we items drawn by you are unable to stop payment if the order is made orally, we have no obligation to honor it. If we do honor an oral stop payment order, it will only be binding for 24 hours, after which it must be renewed in writing. Any stop payment order, renewal, or revocation will incur a charge as set forth in the Fee Schedulereturned insufficient. You agree that we any stop payment placed on any check issued on your accounts may honor be relied upon by the Bank to have been placed by an agent of you duly authorized to place the stop payment, and the Bank shall have no duty or obligation to verify either the authenticity of the stop payment order request or the authority of the person placing it. We currently impose a stop payment order, revocation, fee for each stop payment request on a check or renewal if made by item. The charge for each stop payment request will be the person who signed current charge for such service as set out in the applicable fee schedule. This fee will be deducted from the account which the check to be stopped or any other person who item was initiated or drawn on. Stop payment order on a ▇▇▇▇ Payment will depend on the payment method and whether or not a check has signed the Application or is otherwise authorized to transact business relating to the accountcleared. You agree that we will not be liable for any inadvertent payment of any item, notwithstanding a To stop payment order, if we have used ordinary care and followed our usual practices in handling such an order. If an item is paid over on a valid stop payment order due to our failure to exercise ordinary care, we may be liable to you for any loss you suffer as a result of that inadvertent payment. You agree, however, that it will be your responsibility to establish any such loss. You agree that we will never be liable for more than your actual loss and that we will not be liable for any consequential damages. If we do credit your account after paying an item over a valid stop payment order, you agree to take whatever action we deem necessary to transfer to us all of your rights against the payee or holder of the item and to assist us if we take legal action against the payee or any other person. In the event that you instruct us to stop payment of certain pre-authorized debits, you acknowledge and agree that, at our option, we may stop payment of all pre-authorized debits from your account if we deem that action necessary to ensure that your stop payment order will be effective. You also acknowledge and agree that we will not be liable for our failure to stop payment for future pre-authorized debits, notwithstanding your stop payment order, if our failure is caused in whole or in part by the actions of the payee. For information concerning your right to stop payment of pre-authorized electronic funds transfers, please refer to our Electronic Funds Transfer Agreement and Disclosures. You may not stop payment of Cashier’s Checks or Credit Union Teller Checks issued by us at your request. You may not stop payment of transactions initiated through the use of a debit card or a similar device at an ATM or a Point of Sale terminal▇▇▇▇ Payment see "▇▇▇▇ Payment" below.

Stop Payment. You may stop payment of items drawn on your accountsAccounts. You agree to hold us harmless from any claim, loss, damage, damage or expense that we may incurincurred, including attorney’s fees, resulting from by virtue of our refusing payment of any item on which you have stopped payment or from the payment, as well as for payment of any item after your stop payment order has expired. A stop payment order will be effective for six months and may be renewed upon a request made in writing to us. We are not obligated to notify you that a stop payment order has expired. A stop payment order, a renewal of an any such order, or a revocation of any such order shall not be effective unless it is delivered to us in writing to a member of our staff during our regular business hours and until we have had a reasonable opportunity to act on itany such order, renewal or revocation. In addition, we will not be liable for the payment of an item over a stop payment order if the order is received after 10:00 am a.m. on the next banking day after the banking day on which we received the item. Due to computer system systems limitations, we can intercept an item subject to a stop payment order only if the precise amount, date, check number, name of payee, payee and any other information that we may reasonably require is provided. If that information is not providedprovided exactly as it appears on the item, we will not be responsible if we are unable to stop payment if payment. If the order is made orally, we have no obligation to honor it. If we do honor an oral stop payment order, it will only be binding for 24 hours, twenty-four (24) hours after which it must be renewed in writing. Any stop payment order, renewal, renewal or revocation will incur a charge as which is set forth in on the Fee Schedule. You agree that we may honor a stop payment order, revocation, revocation or renewal if made by the person who signed the check to be stopped or any other person who has signed the Application or is otherwise authorized to transact business relating to the accountAccount. You agree that we will not be liable for any inadvertent payment of any item, notwithstanding a stop payment order, if we have used ordinary care and followed our usual practices in handling such an order. You may not stop payment of cashier’s checks, or Credit Union checks issued by us at your request. In the event that you request that we stop payment of any cashier’s check or Credit Union check, we shall be under no obligation to do so. However, in the event that, at our option, we agree to stop payment pursuant to your request, we may require that you provide us with an indemnity agreement and bond supported by such surety or sureties as we may deem sufficient, to indemnify us against any possible loss in connection with the presentment or payment of the original item. You will also be required to pay a fee in connection with any request for a stop payment order, which fee is set out on the Fee Schedule which accompanies this Agreement. If an item is inadvertently paid over a valid stop payment order order, due to our failure to exercise ordinary care, we may will be liable to you for any loss you suffer as a result of that inadvertent paymentresult. You agree, however, agree that it will be your responsibility to establish any such loss. You agree that we will never be liable for more than your actual loss and that we will not be liable for any consequential damages. If we do re-credit your account Account after paying an item over a valid stop payment order, you agree to will take whatever action we deem necessary to transfer to us all of your rights against the payee or holder of the item and to assist us if we take legal action against the payee or any other person. In the event that you instruct us to stop payment of certain pre-authorized debits, debits you acknowledge and agree that, at our option, we may stop payment of all pre-authorized debits from your account Account if we deem that action necessary to ensure that your stop payment order will be effective. You also acknowledge and agree that we will not be liable for our failure to stop payment for of future pre-authorized debits, notwithstanding your stop payment order, if our failure is caused in whole or in part by the actions of the payee. For information concerning your right to stop payment of pre-authorized electronic funds transfers, please refer to our Electronic Funds Transfer Agreement and Disclosures. You may not stop payment of Cashier’s Checks or Credit Union Teller Checks issued by us at your request. You may not stop payment of transactions initiated through the use of a debit card Debit Card or a similar device ATM Card used at an ATM or a Point point of Sale terminalsale. For additional information concerning your right to stop payment of pre-authorized electronic fund transfers, please refer to your Electronic Fund Transfers Disclosures.

Stop Payment. You may stop payment of on items drawn on your accountsAccounts. You agree to hold us harmless from any claimYOU AGREE TO RELEASE AND HOLD US HARMLESS FROM ANY CLAIM, lossLOSS, damageDAMAGE, or expense that we may incurOR EXPENSE THAT WE MAY INCUR, including attorney’s feesINCLUDING ATTORNEY’S FEES, resulting from our refusing payment of any item on which you have stopped payment or from the payment of any item after your stop payment order has expiredRESULTING FROM OUR REFUSING PAYMENT OF ANY ITEM ON WHICH YOU HAVE STOPPED PAYMENT OR FROM THE PAYMENT OF ANY ITEM AFTER YOUR STOP PAYMENT ORDER HAS EXPIRED. A stop payment order on checks will be effective for six months and may must be renewed upon a request made every six months thereafter if you wish for it to be extended. Stop payment requests on electronic fund transfer items will remain in writing to useffect until the earlier of: (a) the withdrawal of the stop payment order by you or another authorized account holder; or (b) the return of the related transaction. A stop payment order, a renewal of an order, or a revocation of any such order shall not be effective unless delivered to us in writing to a member of our staff during our regular business hours and until we have had a reasonable opportunity to act on it. In addition, we will not be liable for the payment of an item over a stop payment order if the order is received after 10:00 am on the next banking day after the banking day on which we received the item. Due to computer system systems limitations, we can intercept an item subject to a stop payment order only if the precise amount, date, check number, name of payee, and any other information that we may reasonably require is provided. If that information is not provided, we will not be responsible if we are unable to stop payment if payment. If the order is made orally, we have no obligation to honor it. If , but we do honor normally will accept an oral stop payment order, it will only be binding for 24 hours, after which it must be renewed in writing. Any stop payment order, renewal, or revocation will incur a charge as set forth in the on our Fee Schedule. You agree that we may honor a stop payment order, revocation, or renewal if made by the person who signed the check to be stopped or by any other person who has signed the Application or is otherwise authorized to transact business relating to the accountAccount. You agree that we will not be liable for any inadvertent payment of any item, notwithstanding a stop payment order, if we have used ordinary care and followed our usual practices in handling such an order. If an item is paid over a valid stop payment order due to our failure to exercise ordinary care, we may be liable to you for any loss you suffer as a result of that inadvertent payment. You agree, however, that it will be your responsibility to establish any such loss. You agree that we will never be liable for more than your actual loss and that we will not be liable for any consequential damages. If we do credit your account Account after paying an item over a valid stop payment order, you agree to take whatever action we deem necessary to transfer to us all of your rights against the payee or holder of the item and to assist us if we take legal action against the payee or any other person. In the event that you instruct us to stop payment of certain pre-authorized debits, you acknowledge and agree that, at our option, we may stop payment of all pre-authorized debits from your account if we deem that action necessary to ensure that your stop payment order will be effective. You also acknowledge and agree that we will not be liable for our failure to stop payment for future pre-authorized debits, notwithstanding your stop payment order, if our failure is caused in whole or in part by the actions of the payee. For information concerning your right to stop payment of pre-authorized preauthorized electronic funds fund transfers, please refer to our your Electronic Funds Transfer Fund Transfers Agreement and Disclosures. You may not stop payment of Cashier’s Checks or Credit Union Teller Official Checks issued by us at your request. You may not stop payment of on transactions initiated through the use of a debit card an RBFCU Freedom Debit card, or a similar device at an ATM or at a Point point of Sale terminalsale.

Stop Payment. You may stop payment of items drawn on your accountsAccounts. You agree to hold us harmless from any claim, loss, damage, or expense that we may incur, including attorney’s fees, resulting from our refusing payment of any item on which you have stopped payment or from the payment of any item after your stop payment order has expired. A stop payment order will be effective for six months and may be renewed upon a request made in writing to us. A stop payment order, a renewal of an order, or a revocation of any such order shall not be effective unless delivered to us in writing to a member of our staff during our regular business hours and until we have had a reasonable opportunity to act on it. In addition, we will not be liable for the payment of an item over a stop payment order if the order is received after 10:00 am a.m. on the next banking day after the banking day on which we received the item. Due to computer system systems limitations, we can intercept an item subject to a stop payment order only if the precise amount, date, check number, name of payee, and any other information that we may reasonably require is provided. If that information is not provided, we will not be responsible if we are unable to stop payment if payment. If the order is made orally, we have no obligation to honor it. If we do honor an oral stop payment order, it will only be binding for 24 hours, 14 days after which it must be renewed in writing. Any stop payment order, renewal, or revocation will incur a charge as set forth in on the Fee Schedule. You agree that we may honor a stop payment order, revocation, or renewal if made by the person who signed the check to be stopped or any other person who has signed the Account Application or is otherwise authorized to transact business relating to the accountAccount. You agree that we will not be liable for any inadvertent payment of any item, notwithstanding a stop payment order, if we have used ordinary care and followed our usual practices in handling such an order. If an item is paid over a valid stop payment order due to our failure to exercise ordinary care, we may be liable to you for any loss you suffer as a result of that inadvertent payment. You agree, however, that it will be your responsibility to conclusively establish any such loss. You agree that we will never be liable for more than your actual loss the amount of the item and that we will not be liable for any consequential damages. If we do credit your account Account after paying an item over a valid stop payment order, you agree to take whatever action we deem necessary to transfer to us all of your rights against the payee or holder of the item and to assist us if we take legal action against the payee or any other person. In the event that you instruct us to stop payment of certain pre-authorized debits, you acknowledge and agree that, at our option, we may stop payment of all pre-authorized debits from your account if we deem that action necessary to ensure that your stop payment order will be effective. You also acknowledge and agree that we will not be liable for our failure to stop payment for future pre-authorized debits, notwithstanding your stop payment order, if our failure is caused in whole or in part by the actions of the payee. For information concerning your right to stop payment of pre-authorized preauthorized electronic funds transfers, please refer to our your Electronic Funds Transfer Agreement and Disclosures. You may not stop payment of Cashiercashier’s Checks checks or Credit Union Teller Checks teller’s checks issued by us at your request, and we are under no obligation if you should request us to do so. In the event, however, we do agree in our sole discretion to stop payment of a cashier’s check or teller’s check at your request, you will be required to provide us with an indemnity agreement and bond supported by a surety or sureties in such amounts as we may deem sufficient to indemnify us against any possible loss in connection with the presentment or payment of the original item. You may not stop payment of transactions initiated through the use of a debit card or a similar device used at an ATM or a Point point of Sale terminalsale.

Stop Payment. You may stop payment of items drawn on your accountsAccounts. You agree to hold us harmless from any claim, loss, damage, damage or expense that we may suffer or incur, including attorney’s fees, resulting from by virtue of our refusing payment of any item on which you have stopped payment or from the payment, as well as for payment of any item after your stop payment order has expired. A stop payment order will be effective for six months and may be renewed upon a request made in writing to us. We are not required to notify you of the expiration of a stop payment order or a renewal of any such order. A stop payment order, a renewal of an any such order, or a revocation of any such order shall not be effective unless it is delivered to us in writing to a member of our staff during our regular business hours and until we have had a reasonable opportunity to act on it. In addition, we We will not be liable for the payment of an item over a stop payment order if the order is received after 10:00 am 10:00 a. m. on the next banking day after the banking day on which we received the item. Due to computer system systems limitations, we can intercept an item items subject to a stop payment order orders can be intercepted only if the precise amount, date, check number, name of payee, and any other information that we may reasonably require is provided. If that information is not providedprovided exactly as it appears on the item, we will not be responsible if we are unable to stop payment if payment. If the order is made orally, we have no obligation to honor it. If we do honor an oral stop payment order, it will only be binding for 24 hours, hours after which it must be renewed in writing. Any stop payment order, renewal, or revocation will incur a charge as which is set forth in on the Fee Schedule. You agree that we may honor a stop payment order, revocation, or renewal if made by the person who signed the check to be stopped or any other person who has signed the Application or is otherwise authorized to transact business relating to the accountAccount. You agree that we will not be liable for any inadvertent payment of any item, notwithstanding a stop payment order, if we have used ordinary care and followed our usual practices in handling such an order. If an item is inadvertently paid over a valid stop payment order order, due to our failure to exercise ordinary care, we may will be liable to you for any loss you suffer as a result of that inadvertent payment. You agree, however, that it will be your responsibility to establish any such loss. You agree that we will never be liable for more than your actual loss and that we will not be liable for any consequential damages. If we do credit recredit your account after paying an item over a valid stop payment orderAccount, you agree to take whatever action we deem necessary to transfer to us all of your rights against the payee or holder of the item and to assist us if we take legal action against the payee or any other person. In the event that you instruct us to stop payment of certain pre-authorized debits, you acknowledge and agree that, at our option, we may stop payment of all pre-authorized debits from your account if we deem that action necessary to ensure that your stop payment order will be effective. You also acknowledge and agree that we will not be liable for our failure to stop payment for future pre-authorized debits, notwithstanding your stop payment order, if our failure is caused in whole or in part by the actions of the payee. For information concerning your right to stop payment of pre-authorized certain electronic funds fund transfers, please refer to our the Electronic Funds Transfer Fund Transfers Agreement and DisclosuresDisclosures that accompany this Agreement. You may not stop payment of Cashier’s Checks or Credit Union Teller Official Checks issued by us at your request. You may not stop payment of transactions initiated through the use of a debit card Check Card or a similar device at an ATM or a Point of Sale point-of-sale terminal.

Stop Payment. You may initiate stop payment of items drawn requests online via the System only for paper checks you have written (non-electronic) on your Bank accounts. If you use the Services stop payment feature, then you must follow the procedures and specification described in this Agreement. The cut-off time for us to receive a stop-payment request is 5:00 pm on a business day. A stop payment request received after that time or on a non-business day will be processed on the next business day. You must provide the Bank with complete and accurate information in a timely manner which includes the following; Account number, Date of the item or check; Item or check number; Exact amount of the item or check (dollars and cents); Payee name and; Reason for the stop payment. If any information is incomplete or incorrect, the Bank will not be responsible for failing to stop payment on the item or check. The Bank shall have no responsibility to determine the accuracy of such information. The Bank is not responsible for stop payment requests received for items or checks that have already cleared or been paid from your account. Stop payment orders are effective for only six (6) months unless renewed by you prior to expiration of the original order. From time to time, Services may be inoperable. If that occurs, your request can be communicated to the Bank by telephone instructions. You agree to hold us harmless from indemnify the Bank against any claimloss for the amount of said check and all expenses, losscosts and consequential damages, damageif any, or expense that we may incur, including attorney’s fees, resulting from our incurred by the Bank because of refusing payment pursuant to your stop payment order. You agree not to hold the Bank liable on account of any item on which you have stopped payment or from the payment of any item after contrary to your stop payment order has expiredif same occurs through inadvertence, accident or over sight, or if b y reason of such payment other items drawn by you are returned insufficient. You agree that any stop payment placed on any check issued on your accounts designated on the Internet Banking Enrollment Form may be relied upon by the Bank to have been placed by an agent of you duly authorized to place the stop payment, and the Bank shall have no duty or obligation to verify either the authenticity of the stop payment order request or the authority of the person placing it. We currently impose a stop payment fee of $10.00 for each stop payment request on a check or item. This fee will be deducted from the account which the check or item was initiated or drawn on. A stop payment order on a Bill Payment will be effective for six months depend on the payment method and may be renewed upon whether or not a request made in writing to uscheck has cleared. A To stop payment order, on a renewal of an order, or a revocation of any such order shall not be effective unless delivered to us in writing to a member of our staff during our regular business hours and until we have had a reasonable opportunity to act on it. In addition, we will not be liable for the payment of an item over a stop payment order if the order is received after 10:00 am on the next banking day after the banking day on which we received the item. Due to computer system limitations, we can intercept an item subject to a stop payment order only if the precise amount, date, check number, name of payee, and any other information that we may reasonably require is provided. If that information is not provided, we will not be responsible if we are unable to stop payment if the order is made orally, we have no obligation to honor it. If we do honor an oral stop payment order, it will only be binding for 24 hours, after which it must be renewed in writing. Any stop payment order, renewal, or revocation will incur a charge as set forth in the Fee Schedule. You agree that we may honor a stop payment order, revocation, or renewal if made by the person who signed the check to be stopped or any other person who has signed the Application or is otherwise authorized to transact business relating to the account. You agree that we will not be liable for any inadvertent payment of any item, notwithstanding a stop payment order, if we have used ordinary care and followed our usual practices in handling such an order. If an item is paid over a valid stop payment order due to our failure to exercise ordinary care, we may be liable to you for any loss you suffer as a result of that inadvertent payment. You agree, however, that it will be your responsibility to establish any such loss. You agree that we will never be liable for more than your actual loss and that we will not be liable for any consequential damages. If we do credit your account after paying an item over a valid stop payment order, you agree to take whatever action we deem necessary to transfer to us all of your rights against the payee or holder of the item and to assist us if we take legal action against the payee or any other person. In the event that you instruct us to stop payment of certain pre-authorized debits, you acknowledge and agree that, at our option, we may stop payment of all pre-authorized debits from your account if we deem that action necessary to ensure that your stop payment order will be effective. You also acknowledge and agree that we will not be liable for our failure to stop payment for future pre-authorized debits, notwithstanding your stop payment order, if our failure is caused in whole or in part by the actions of the payee. For information concerning your right to stop payment of pre-authorized electronic funds transfers, please refer to our Electronic Funds Transfer Agreement and Disclosures. You may not stop payment of Cashier’s Checks or Credit Union Teller Checks issued by us at your request. You may not stop payment of transactions initiated through the use of a debit card or a similar device at an ATM or a Point of Sale terminalBill Payment see "Bill Payment" below.

Stop Payment. You may stop payment of on items drawn on your accountsAccounts. You agree to hold us harmless from any claimYOU AGREE TO RELEASE AND HOLD US HARMLESS FROM ANY CLAIM, lossLOSS, damageDAMAGE, or expense that we may incurOR EXPENSE THAT WE MAY INCUR, including attorney’s feesINCLUDING ATTORNEY’S FEES, resulting from our refusing payment of any item on which you have stopped payment or from the payment of any item after your stop payment order has expiredRESULTING FROM OUR REFUSING PAYMENT OF ANY ITEM ON WHICH YOU HAVE STOPPED PAYMENT OR FROM THE PAYMENT OF ANY ITEM AFTER YOUR STOP PAYMENT ORDER HAS EXPIRED. A stop payment order on checks will be effective for six months and may must be renewed upon a request made every six months thereafter if you wish for it to be extended. Stop payment requests on electronic fund transfer items will remain in writing to useffect until the earlier of: (a) the withdrawal of the stop payment order by you or another authorized account holder; or (b) the return of the related transaction. A stop payment order, a renewal of an order, or a revocation of any such order shall not be effective unless delivered to us in writing to a member of our staff during our regular business hours and until we have had a reasonable opportunity to act on it. In addition, we will not be liable for the payment of an item over a stop payment order if the order is received after 10:00 am on the next banking day after the banking day on which we received the item. Due to computer system systems limitations, we can intercept an item subject to a stop payment order only if the precise amount, date, check number, name of payee, and any other information that we may reasonably require is provided. If that information is not provided, we will not be responsible if we are unable to stop payment if payment. If the order is made orally, we have no obligation to honor it. If , but we do honor normally will accept an oral stop payment order, it will only be binding for 24 hours, after which it must be renewed in writing. Any stop payment order, renewal, or revocation will incur a charge as set forth in the on our Fee Schedule. You agree that we may honor a stop payment order, revocation, or renewal if made by the person who signed the check to be stopped or by any other person who has signed the Application or is otherwise authorized to transact business relating to the accountAccount. You agree that we will not be liable for any inadvertent payment of any item, notwithstanding a stop payment order, if we have used ordinary care and followed our usual practices in handling such an order. If an item is paid over a valid stop payment order due to our failure to exercise ordinary care, we may be liable to you for any loss you suffer as a result of that inadvertent payment. You agree, however, that it will be your responsibility to establish any such loss. You agree that we will never be liable for more than your actual loss and that we will not be liable for any consequential damages. If we do credit your account Account after paying an item over a valid stop payment order, you agree to take whatever action we deem necessary to transfer to us all of your rights against the payee or holder of the item and to assist us if we take legal action against the payee or any other person. In the event that you instruct us to stop payment of certain pre-authorized debits, you acknowledge and agree that, at our option, we may stop payment of all pre-authorized debits from your account if we deem that action necessary to ensure that your stop payment order will be effective. You also acknowledge and agree that we will not be liable for our failure to stop payment for future pre-authorized debits, notwithstanding your stop payment order, if our failure is caused in whole or in part by the actions of the payee. For information concerning your right to stop payment of pre-authorized preauthorized electronic funds fund transfers, please refer to our your Electronic Funds Transfer Fund Transfers Agreement and Disclosures. You may not stop payment of Cashier’s Checks or Credit Union Teller Official Checks issued by us at your request. You may not stop payment of on transactions initiated through the use of a debit card an SFCU Debit card, or a similar device at an ATM or at a Point point of Sale terminalsale.

Stop Payment. You may stop payment of items drawn on your accountsAccounts. You agree to hold us harmless from any claim, loss, damage, or expense that we may incur, including attorney’s fees, resulting from our refusing payment of any item on which you have stopped payment or from the payment of any item after your stop payment order has expired. A stop payment order will be effective for six months and may be renewed upon a request made in writing to us. A stop payment order, a renewal of an order, or a revocation of any such order shall not be effective unless delivered to us in writing to a member of our staff during our regular business hours and until we have had a reasonable opportunity to act on it. In addition, we will not be liable for the payment of an item over a stop payment order if the order is received after 10:00 am a.m. on the next banking day after the banking day on which we received the item. Due to computer system systems limitations, we can intercept an item subject to a stop payment order only if the precise amount, date, check number, name of payee, and any other information that we may reasonably require is provided. If that information is not provided, we will not be responsible if we are unable to stop payment if payment. If the order is made orally, we have no obligation to honor it. If we do honor an oral stop payment order, it will only be binding for 24 hours, 14 days after which it must be renewed in writing. Any stop payment order, renewal, or revocation will incur a charge as set forth in on the Fee Schedule. You agree that we may honor a stop payment order, revocation, or renewal if made by the person who signed the check to be ui9be stopped or any other person who has signed the Account Application or is otherwise authorized to transact business relating to the accountAccount. You agree that we will not be liable for any inadvertent payment of any item, notwithstanding a stop payment order, if we have used ordinary care and followed our usual practices in handling such an order. If an item is paid over a valid stop payment order due to our failure to exercise ordinary care, we may be liable to you for any loss you suffer as a result of that inadvertent payment. You agree, however, that it will be your responsibility to conclusively establish any such loss. You agree that we will never be liable for more than your actual loss the amount of the item and that we will not be liable for any consequential damages. If we do credit your account Account after paying an item over a valid stop payment order, you agree to take whatever action we deem necessary to transfer to us all of your rights against the payee or holder of the item and to assist us if we take legal action against the payee or any other person. In the event that you instruct us to stop payment of certain pre-authorized debits, you acknowledge and agree that, at our option, we may stop payment of all pre-authorized debits from your account if we deem that action necessary to ensure that your stop payment order will be effective. You also acknowledge and agree that we will not be liable for our failure to stop payment for future pre-authorized debits, notwithstanding your stop payment order, if our failure is caused in whole or in part by the actions of the payee. For information concerning your right to stop payment of pre-authorized preauthorized electronic funds transfers, please refer to our your Electronic Funds Transfer Agreement and Disclosures. You may not stop payment of Cashiercashier’s Checks checks or Credit Union Teller Checks teller’s checks issued by us at your request, and we are under no obligation if you should request us to do so. In the event, however, we do agree in our sole discretion to stop payment of a cashier’s check or teller’s check at your request, you will be required to provide us with an indemnity agreement and bond supported by a surety or sureties in such amounts as we may deem sufficient to indemnify us against any possible loss in connection with the presentment or payment of the original item. You may not stop payment of transactions initiated through the use of a debit card or a similar device used at an ATM or a Point point of Sale terminalsale.

Stop Payment. You may initiate stop payment requests online via the Online Banking System only for paper checks you have written (non-electronic) on your Bank accounts. The System allows you to: (1) place a stop payment order request of up to six (6) months in duration; or (2) determine the paid status of a check. If you use the Services stop payment feature, then you must follow the procedures and specification described in this Agreement. The cut-off time for us to receive a stop-payment request is 5:00 PM on a business day and a stop payment request received after that time or on a non-business day will be processed on the next business day. You must provide the Bank with complete and accurate information in a timely manner on: the account number, the date of the item or check; the item or check number; the EXACT amount of the item or check (dollars and cents); the payee name and the reason for the stop payment. If any information is incomplete or incorrect, the Bank will not be responsible for failing to stop payment on the item or check. The Bank shall have no responsibility to determine the accuracy of such information. Stop payment requests which cover a range of checks or items that are missing or stolen will be processed without regard to the dollar amount. The Bank is not responsible for stop payment requests received for items or checks that have already cleared or been paid from your account. The Bank may provide you notice of the actual stop payment of items drawn on a check by making such information accessible to you online via the System. Stop payment orders are effective for only six months unless renewed by you prior to expiration of the original order. From time to time, the Stop Payment Service may be inoperable. If that occurs, your accountsrequest can be communicated to the Bank by calling Customer Service at (▇▇▇) ▇▇▇-▇▇▇▇. You agree to hold us harmless from indemnify the Bank against any claimloss for the amount of said check and all expenses, losscosts and consequential damages, damageif any, or expense that we may incur, including attorney’s fees, resulting from our incurred by the Bank because of refusing payment pursuant to your stop payment order. You agree not to hold the Bank liable on account of any item on which you have stopped payment or from the payment of any item after contrary to your stop payment order has expired. A stop payment order will be effective for six months and may be renewed upon a request made in writing to us. A stop payment orderif same occurs through inadvertence, a renewal of an orderaccident or oversight, or a revocation if by reason of any such order shall not be effective unless delivered to us in writing to a member of our staff during our regular business hours and until we have had a reasonable opportunity to act on it. In addition, we will not be liable for the payment of an item over a stop payment order if the order is received after 10:00 am on the next banking day after the banking day on which we received the item. Due to computer system limitations, we can intercept an item subject to a stop payment order only if the precise amount, date, check number, name of payee, and any other information that we may reasonably require is provided. If that information is not provided, we will not be responsible if we items drawn by you are unable to stop payment if the order is made orally, we have no obligation to honor it. If we do honor an oral stop payment order, it will only be binding for 24 hours, after which it must be renewed in writing. Any stop payment order, renewal, or revocation will incur a charge as set forth in the Fee Schedulereturned insufficient. You agree that we any stop payment placed on any check issued on your accounts may honor be relied upon by the Bank to have been placed by an agent of you duly authorized to place the stop payment, and the Bank shall have no duty or obligation to verify either the authenticity of the stop payment order request or the authority of the person placing it. We currently impose a stop payment order, revocation, fee for each stop payment request on a check or renewal if made by item. The charge for each stop payment request will be the person who signed current charge for such service as set out in the applicable fee schedule. This fee will be deducted from the account which the check to be stopped or any other person who item was initiated or drawn on. Stop payment order on a Bill Payment will depend on the payment method and whether or not a check has signed the Application or is otherwise authorized to transact business relating to the accountcleared. You agree that we will not be liable for any inadvertent payment of any item, notwithstanding a To stop payment order, if we have used ordinary care and followed our usual practices in handling such an order. If an item is paid over on a valid stop payment order due to our failure to exercise ordinary care, we may be liable to you for any loss you suffer as a result of that inadvertent payment. You agree, however, that it will be your responsibility to establish any such loss. You agree that we will never be liable for more than your actual loss and that we will not be liable for any consequential damages. If we do credit your account after paying an item over a valid stop payment order, you agree to take whatever action we deem necessary to transfer to us all of your rights against the payee or holder of the item and to assist us if we take legal action against the payee or any other person. In the event that you instruct us to stop payment of certain pre-authorized debits, you acknowledge and agree that, at our option, we may stop payment of all pre-authorized debits from your account if we deem that action necessary to ensure that your stop payment order will be effective. You also acknowledge and agree that we will not be liable for our failure to stop payment for future pre-authorized debits, notwithstanding your stop payment order, if our failure is caused in whole or in part by the actions of the payee. For information concerning your right to stop payment of pre-authorized electronic funds transfers, please refer to our Electronic Funds Transfer Agreement and Disclosures. You may not stop payment of Cashier’s Checks or Credit Union Teller Checks issued by us at your request. You may not stop payment of transactions initiated through the use of a debit card or a similar device at an ATM or a Point of Sale terminalBill Payment see "Bill Payment" below.

Stop Payment. You may stop payment of on items drawn on your accountsAccounts. You agree to hold us harmless from any claimYOU AGREE TO RELEASE AND HOLD US HARMLESS FROM ANY CLAIM, lossLOSS, damageDAMAGE, or expense that we may incurOR EXPENSE THAT WE MAY INCUR, including attorney’s feesINCLUDING ATTORNEY’S FEES, resulting from our refusing payment of any item on which you have stopped payment or from the payment of any item after your stop payment order has expiredRESULTING FROM AFTER YOUR STOP PAYMENT ORDER HAS EXPIRED. A stop payment order on checks will be effective for six months and may must be renewed upon a request made every six months thereafter if you wish for it to be extended. Stop payment requests on electronic fund transfer items will remain in writing to useffect until the earlier of: (a) the withdrawal of the stop payment order by you or another authorized account holder; or (b) the return of the related transaction. A stop payment order, a renewal of an order, or a revocation of any such order shall not be effective unless delivered to us in writing to a member of our staff during our regular business hours and until we have had a reasonable opportunity to act on it. In addition, we will not be liable for the payment of an item over a stop payment order if the order is received after 10:00 am on the next banking day after the banking day on which we received the item. Due to computer system systems limitations, we can intercept an item subject to a stop payment order only if the precise amount, date, check number, name of payee, and any other information that we may reasonably require is provided. If that information is not provided, we will not be responsible if we are unable to stop payment if payment. If the order is made orallyverbally, we have no obligation to honor it. If , but we do honor an oral normally will accept a verbal stop payment order, it will only be binding for 24 hours, after which it must be renewed in writing. Any stop payment order, renewal, or revocation will incur a charge as set forth in the on our Fee Schedule. You agree that we may honor a stop payment order, revocation, or renewal if made by the person who signed the check to be stopped or by any other person who has signed the Application or is otherwise authorized to transact business relating to the accountAccount. You agree that we will not be liable for any inadvertent payment of any item, notwithstanding a stop payment order, if we have used ordinary care and followed our usual practices in handling such an order. If an item is paid over a valid stop payment order due to our failure to exercise ordinary care, we may be liable to you for any loss you suffer as a result of that inadvertent payment. You agree, however, that it will be your responsibility to establish any such loss. You agree that we will never be liable for more than your actual loss and that we will not be liable for any consequential damages. If we do credit your account Account after paying an item over a valid stop payment order, you agree to take whatever action we deem necessary to transfer to us all of your rights against the payee or holder of the item and to assist us if we take legal action against the payee or any other person. In the event that you instruct us to stop payment of certain pre-authorized debits, you acknowledge and agree that, at our option, we may stop payment of all pre-authorized debits from your account if we deem that action necessary to ensure that your stop payment order will be effective. You also acknowledge and agree that we will not be liable for our failure to stop payment for future pre-authorized debits, notwithstanding your stop payment order, if our failure is caused in whole or in part by the actions of the payee. For information concerning your right to stop payment of pre-authorized preauthorized electronic funds fund transfers, please refer to our your Electronic Funds Transfer Fund Transfers Agreement and DisclosuresDisclosure. You may not stop payment of Cashier’s Checks or Credit Union Teller Official Checks issued by us at your request. You may not stop payment of on transactions initiated through the use of a debit card an RBFCU Freedom Debit card, or a similar device at an ATM or at a Point point of Sale terminalsale.

Stop Payment. You may stop payment of items drawn on your accountsAccounts. You agree to hold us harmless from any claim, loss, damage, damage or expense that which we may suffer or incur, including attorney’s fees, resulting from by virtue of our refusing payment of any item on which you have stopped payment or from the payment, as well as for payment of any item items after your stop payment order has expired. A stop payment order will be effective for six months and may be renewed upon a request made in writing to us. A stop payment order, a renewal of an any such order, or a revocation of any such order shall not be effective unless it is delivered to us in writing during regular business hours, to a member one of our staff during our regular business hours and officers at the office where your Accounts are located. Further, a stop payment order, renewal or revocation shall not be effective until we have had a reasonable opportunity to act on itany such order, renewal or revocation. In addition, we will not be liable for the payment of an item over a stop payment order if the order is received after 10:00 am ten (10) a.m. on the next banking day after the banking day on which we received the item. Due to computer system limitations, we can intercept an item subject to a A stop payment order only if must state the precise amount, date, check number, name of payee, payee and any other information that we may reasonably require is providedrequire. If that information is not provided, we will not be responsible if we are unable to stop payment if payment. If the order is made orally, we have no obligation to honor it. If we do honor an oral stop payment order, it will only be binding for 24 hours, twenty-four (24) hours after which it must be renewed in writing. Any stop payment order, renewal, renewal or revocation will incur a charge as which is set forth in the Fee ScheduleTruth in Savings Disclosures. You agree that we may honor a stop payment order, revocation, revocation or renewal if made by the person who signed the check to be stopped or any other person who has signed the Application or is otherwise authorized to transact business relating to the accountAccount. You agree that we will not be liable for any inadvertent payment of any item, notwithstanding a stop payment order, if we have used ordinary care and followed our usual practices in handling such an order. If an item is inadvertently paid over a valid stop payment order order, due to our failure to exercise ordinary care, we may be liable to you for any loss you suffer as a result of that inadvertent paymentresult. You agree, however, that it will be your responsibility to establish any such loss. You agree that we will never be liable for more than your actual loss and that we will not be liable for any consequential damages. If we do credit your account Account after paying an item over a valid stop payment order, you agree to will take whatever action we deem necessary to transfer to us all of your rights against the payee or holder of the item and to assist us if we take legal action against the payee or any other person. In the event that you instruct us to You may not stop payment of certain pre-authorized debitscertified, you acknowledge and agree that, at our option, we may stop payment of all pre-authorized debits from your account if we deem that action necessary to ensure that your stop payment order will be effective. You also acknowledge and agree that we will not be liable for our failure to stop payment for future pre-authorized debits, notwithstanding your stop payment order, if our failure is caused in whole cashier’s or in part by the actions of the payeetellers’ checks. For information concerning your right to stop payment of pre-authorized electronic funds fund transfers, please refer to our Electronic Funds Transfer Agreement and Fund Transfers Disclosures. You may not stop payment of Cashier’s Checks or Credit Union Teller Checks issued by us at your request. You may not stop payment of transactions initiated through the use of a debit card or a similar device at an ATM or a Point of Sale terminal.

Stop Payment. You may stop payment of items drawn on your accountsAccounts. You agree to hold us harmless from any claim, loss, damage, or expense that we may incur, including attorney’s fees, resulting from our refusing refus- ing payment of any item on which you have stopped payment or from the payment of any item after your stop payment order has expired. A stop payment order will be effective for six months and may be renewed upon a request made in writing to us. A stop payment order, a renewal of an order, or a revocation of any such order shall not be effective unless delivered to us in writing to a member of our staff during our regular business hours and until we have had a reasonable opportunity to act on it. In addition, we will not be liable for the payment of an item over a stop payment order if the order is received after 10:00 am re- ceived on the next banking day after the banking day on which we received the item. Due to computer system limitationssystems constraints, we can intercept an item subject to a stop payment order only if the precise amount, date, check number, name of payee, and any other information that we may reasonably require is provided. If that information informa- tion is not provided, we will not be responsible if we are unable to stop payment if payment. If the order is made orally, we have no obligation to honor it. If we do honor an oral stop payment order, it will only be binding for 24 hours, after which it must be renewed in writing. Any stop payment pay- ment order, renewal, or revocation will incur a charge as set forth in on the Fee Schedule. You agree that we may honor a stop payment order, revocation, or renewal if made by the person who signed the check to be stopped or any other person who has signed the Application or is otherwise authorized to transact business relating to the accountAccount. You agree that we will not be liable for any inadvertent payment of any item, notwithstanding a stop payment order, if we have used ordinary care and followed fol- lowed our usual practices in handling such an order. If an item is paid over a valid stop payment order due to our failure to exercise ordinary care, we may be liable to you for any loss you suffer as a result of that inadvertent payment. You agree, however, that it will be your responsibility respon- sibility to establish any such loss. You agree that we will never be liable for more than your actual loss and that we will not be liable for any consequential damages. If we do credit your account Account after paying an item over a valid stop payment order, you agree to take whatever action we deem necessary to transfer to us all of your rights against the payee or holder of the item and to assist as- sist us if we take legal action against the payee or any other person. For information concerning your right to stop payment of preauthorized electronic funds transfers, please refer to your Electronic Funds Transfer Agree- ment and Disclosures. In the event that you instruct us to stop payment of certain pre-authorized debits, you acknowledge and agree that, at our option, we may stop payment of all pre-authorized debits from your account Account if we deem that action necessary to ensure that your stop payment order will be effective. You also acknowledge and agree that we will not be liable for our failure to stop payment for future pre-authorized debits, notwithstanding your stop payment order, if our failure is caused in whole or in part by the actions of the payee. For more information concerning your right to stop payment of pre-authorized electronic funds fund transfers, please refer to our your Electronic Funds Transfer Agreement and Disclosures. You may not stop payment of Cashierofficial or teller’s Checks checks or Credit Union Teller Checks checks issued by us at your request. You may not In the event that you request that we stop payment of transactions initiated through any teller’s, official, or Credit Union check, we shall be under no obligation to do so. However, if we do agree to stop payment pursuant to your request, you may be required to provide us with an indemnity agreement and bond supported by such surety or sureties as we may deem sufficient, to indemnify us against any possible loss in connection with the use presentment or payment of a debit card or a similar device at an ATM or a Point of Sale terminalthe origi- nal item. In any case, you agree to be responsible for the stop payment order, in the event that we choose to honor your request.

Stop Payment. You may stop payment of items drawn on your accountsAccounts. You agree to hold us harmless from any claim, loss, damage, or expense that which we may suffer or incur, including attorney’s 's fees, resulting from by virtue of our refusing payment of any item on which you have stopped payment or from the payment, as well as for payment of any item after your stop payment order has expired. A stop payment order will be effective for six months and may be renewed upon a request made in writing to us. We are not required to notify you of the expiration of a stop payment order or a renewal of any such order. A stop payment order, a renewal of an any such order, or a revocation of any such order shall not be effective unless it is delivered to us in writing to a member of our staff during our regular business hours to the office we have designated and until we have had a reasonable opportunity to act on it. In addition, we will not be liable for the payment of an item over a stop payment order if the order is received after 10:00 am a.m. on the next banking day after the banking day on which we received the item. Due to computer system limitationsprogramming constraints, we our systems can intercept an item items subject to a stop payment order orders only if the precise amount, date, check number, name of payee, payee and any other information that we may reasonably require is provided. If that information is not providedprovided exactly as it appears on the item, we will not be responsible if we are unable to stop payment if the order is made orally, we have no obligation to honor it. If we do honor an oral stop payment order, it will only be binding for 24 hours, after which it must be renewed in writingpayment. Any stop payment order, renewal, renewal or revocation will incur a charge as which is set forth in the Fee Schedule. You agree that we may honor a stop payment order, revocation, revocation or renewal if made by the person who signed the check to be stopped or any other person who has signed the Application or is otherwise authorized to transact business relating to the accountAccount. You agree that we will not be liable for any inadvertent payment of any item, notwithstanding a stop payment order, if we have used ordinary care and followed our usual practices in handling such an order. If an item is inadvertently paid over a valid stop payment order due to our failure to exercise ordinary care, we may be liable to you for any loss you suffer as a result of that inadvertent paymentresult. You agree, however, that it will be your responsibility to establish any such loss. You agree that we will never be liable for more than your actual loss and that we will not be liable for any consequential damages. If we do credit your account Account after paying an item over a valid stop payment order, you agree to will take whatever action we deem necessary to transfer to us all of your rights against the payee or holder of the item and to assist us if we take legal action against the payee or any other person. In the event that you instruct us to You may not stop payment of certain pre-authorized debitscertified, you acknowledge and agree that, cashier’s or teller’s checks or transactions initiated through the use of an ATM card or similar device used at our option, we may stop payment of all pre-authorized debits from your account if we deem that action necessary to ensure that your stop payment order will be effective. You also acknowledge and agree that we will not be liable for our failure to stop payment for future pre-authorized debits, notwithstanding your stop payment order, if our failure is caused in whole or in part by the actions of the payeean ATM. For information concerning your right to stop payment of pre-authorized electronic funds fund transfers, please refer to our Electronic Funds Transfer Fund Transfers Agreement and Disclosures. You may not stop payment of Cashier’s Checks or Credit Union Teller Checks issued by us at your request. You may not stop payment of transactions initiated through the use of a debit card or a similar device at an ATM or a Point of Sale terminal.

Stop Payment. You may stop payment of items drawn on your accountsAccounts. You agree to hold us harmless from any claim, loss, damage, or expense that we may incur, including attorney’s fees, resulting from our refusing payment of any item on which you have stopped payment or from the payment of any item after your stop payment order has expired. A stop payment order will be effective for six months and may be renewed upon a request made in writing to us. We are not required to notify you of the expiration of a stop payment order or a renewal of any such order. A stop payment order, a renewal of an order, or a revocation of any such order shall not be effective unless delivered to us in writing to a member of our staff during our regular business hours and until we have had a reasonable opportunity to act on it. In addition, we will not be liable for the payment of an item over a stop payment order if the order is received after 10:00 am 9:00 a.m. on the next banking day after the banking day on which we received the item. Due to computer system limitationssystems constraints, we can intercept an item subject to a stop payment order only if the precise amount, date, check number, name of payee, and any other information that we may reasonably require is provided. If that information is not providedprovided exactly as it appears on the item, we will not be responsible if we are unable to stop payment if payment. If the order is made orally, we have no obligation to honor it. If we do honor an oral stop payment order, it will only be binding for 24 hours14 days, after which it must be renewed in writing. Any stop payment order, renewal, or revocation will incur a charge as set forth in on the Fee Schedule. You agree that we may honor a stop payment order, revocation, or renewal if made by the person who signed the check to be stopped or any other person who has signed the Application or is otherwise authorized to transact business relating to the accountAccount. You agree that we will not be liable for any inadvertent payment of any item, notwithstanding a stop payment order, if we have used ordinary care and followed our usual practices in handling such an order. If an item is paid over a valid stop payment order due to our failure to exercise ordinary care, we may be liable to you for any loss you suffer as a result of that inadvertent payment. You agree, however, that it will be your responsibility to establish any such loss. You agree that we will never be liable for more than your actual loss and that we will not be liable for any consequential damages. If we do credit your account Account after paying an item over a valid stop payment order, you agree to take whatever action we deem necessary to transfer to us all of your rights against the payee or holder of the item and to assist us if we take legal action against the payee or any other person. In the event that you instruct us to stop payment of certain pre-authorized debits, you acknowledge and agree that, at our option, we may stop payment of all pre-authorized debits from your account if we deem that action necessary to ensure that your stop payment order will be effective. You also acknowledge and agree that we will not be liable for our failure to stop payment for future pre-authorized debits, notwithstanding your stop payment order, if our failure is caused in whole or in part by the actions of the payee. For information concerning your right to stop payment of pre-authorized preauthorized electronic funds fund transfers, please refer to our your Electronic Funds Transfer Fund Transfers Agreement and Disclosures. You may not stop payment of Cashier’s 's Checks or Credit Union Teller Teller’s Checks issued by us at your request. You may not stop payment of transactions initiated through the use of a an ATM card, debit card card, or a similar device at an any ATM or a Point point of Sale terminalsale.

Stop Payment. You may stop payment of items drawn on your accountsAccounts. You agree to hold us harmless from any claim, loss, damage, damage or expense that which we may suffer or incur, including attorney’s fees, resulting from by virtue of our refusing payment of any item on which you have stopped payment or from the payment, as well as for payment of any item after your stop payment order has expired. A stop payment order will be effective for six months and may be renewed upon a request made in writing to us. We are not obligated to notify you when a stop payment order expires. A stop payment order, a renewal of an any such order, or a revocation of any such order shall not be effective unless it is delivered to us in writing during regular business hours to a member of our staff during our regular business hours at the office where your Accounts are located, and until we have had a reasonable opportunity to act on it. In addition, we We will not be liable for the payment of an item over a stop payment order if the order is received after 10:00 am a.m. on the next banking day after the banking day on which we received the item. Due to the limitations of our computer system limitationssystems, we can intercept an item subject to a stop payment order only if the precise amount, date, check number, name of payee, payee and any other information that we may reasonably require is provided. If that information is not providedprovided exactly as it appears on the item, we will not be responsible if we are unable to stop payment if payment. If the order is made orally, we have no obligation to honor it. If we do honor an oral stop payment order, it will only be binding for 24 hours, twenty-four (24) hours after which it must be renewed in writing. Any stop payment order, renewal, renewal or revocation will incur a charge as which is set forth on the Truth in the Savings Rate and Fee Schedule. You agree that we may honor a stop payment order, revocation, revocation or renewal if made by the person who signed the check to be stopped or any other person who has signed the Application or is otherwise authorized to transact business relating to the account. You agree that we will not be liable for any inadvertent payment of any item, notwithstanding a stop payment order, if we have used ordinary care and followed our usual practices in handling such an order. If an item is paid over a valid stop payment order due to our failure to exercise ordinary care, we may be liable to you for any loss you suffer as a result of that inadvertent payment. You agree, however, that it will be your responsibility to establish any such loss. You agree that we will never be liable for more than your actual loss and that we will not be liable for any consequential damages. If we do credit your account after paying an item over a valid stop payment order, you agree to take whatever action we deem necessary to transfer to us all of your rights against the payee or holder of the item and to assist us if we take legal action against the payee or any other person. In the event that you instruct us to stop payment of certain pre-authorized debits, you acknowledge and agree that, at our option, we may stop payment of all pre-authorized debits from your account if we deem that action necessary to ensure that your stop payment order will be effective. You also acknowledge and agree that we will not be liable for our failure to stop payment for future pre-authorized debits, notwithstanding your stop payment order, if our failure is caused in whole or in part by the actions of the payee. For information concerning your right to stop payment of pre-authorized preauthorized electronic funds fund transfers, please refer to our the Electronic Funds Transfer Agreement and DisclosuresFund Transfers Disclosure which appears below. You We may not limit your right to stop payment of Cashier’s Checks or Credit Union Teller Official Checks issued by us at your request. You may not stop payment of transactions initiated through the use of a debit an ATM card or a similar device used at an ATM or a Point of Sale point-of-sale terminal.

Stop Payment. You may stop payment of items drawn on your accountsAccounts. You agree to hold us harmless from any claim, loss, damage, damage or expense that we may incurincurred, including attorney’s fees, resulting from by virtue of our refusing payment of any item on which you have stopped payment or from the payment, as well as for payment of any item after your stop payment order has expired. A stop payment order will be effective for six months and may be renewed upon a request made in writing to us. We are not obligated to notify you that a stop payment order has expired. A stop payment order, a renewal of an any such order, or a revocation of any such order shall not be effective unless it is delivered to us in writing to a member of our staff during our regular business hours and until we have had a reasonable opportunity to act on itany such order, renewal or revocation. In addition, we will not be liable for the payment of an item over a stop payment order if the order is received after 10:00 am a.m. on the next banking day after the banking day on which we received the item. Due to computer system systems limitations, we can intercept an item subject to a stop payment order only if the precise amount, date, check number, name of payee, payee and any other information that we may reasonably require is provided. If that information is not providedprovided exactly as it appears on the item, we will not be responsible if we are unable to stop payment if payment. If the order is made orally, we have no obligation to honor it. If we do honor an oral stop payment order, it will only be binding for 24 hours, twenty-four (24) hours after which it must be renewed in writing. Any stop payment order, renewal, renewal or revocation will incur a charge as charge, which is set forth in on the Fee Schedule. You agree that we may honor a stop payment order, revocation, revocation or renewal if made by the person who signed the check to be stopped or any other person who has signed the Application or is otherwise authorized to transact business relating to the accountAccount. You agree that we will not be liable for any inadvertent payment of any item, notwithstanding a stop payment order, if we have used ordinary care and followed our usual practices in handling such an order. You may not stop payment of cashier’s checks, or Credit Union checks issued by us at your request. In the event that you request that we stop payment of any cashier’s check or Credit Union check, we shall be under no obligation to do so. However, in the event that, at our option, we agree to stop payment pursuant to your request, we may require that you provide us with an indemnity agreement and bond supported by such surety or sureties as we may deem sufficient, to indemnify us against any possible loss in connection with the presentment or payment of the original item. You will also be required to pay a fee in connection with any request for a stop payment order, which fee is set out on the Fee Schedule, which accompanies this Agreement. If an item is inadvertently paid over a valid stop payment order order, due to our failure to exercise ordinary care, we may will be liable to you for any loss you suffer as a result of that inadvertent paymentresult. You agree, however, agree that it will be your responsibility to establish any such loss. You agree that we will never be liable for more than your actual loss and that we will not be liable for any consequential damages. If we do re-credit your account Account after paying an item over a valid stop payment order, you agree to will take whatever action we deem necessary to transfer to us all of your rights against the payee or holder of the item and to assist us if we take legal action against the payee or any other person. In the event that you instruct us to stop payment of certain pre-authorized debits, debits you acknowledge and agree that, at our option, we may stop payment of all pre-authorized debits from your account Account if we deem that action necessary to ensure that your stop payment order will be effective. You also acknowledge and agree that we will not be liable for our failure to stop payment for of future pre-authorized debits, notwithstanding your stop payment order, if our failure is caused in whole or in part by the actions of the payee. For information concerning your right to stop payment of pre-authorized electronic funds transfers, please refer to our Electronic Funds Transfer Agreement and Disclosures. You may not stop payment of Cashier’s Checks or Credit Union Teller Checks issued by us at your request. You may not stop payment of transactions initiated through the use of a debit card Debit Card or a similar device ATM Card used at an ATM ATM/ITM or a Point point of Sale terminalsale. For additional information concerning your right to stop payment of pre-authorized electronic fund transfers, please refer to your Electronic Fund Transfers Disclosures.

Stop Payment. You may stop payment of items drawn on your accountsAccounts. You agree to hold us harmless from any claim, loss, damage, damage or expense that we may suffer or incur, including attorney’s fees, resulting from by virtue of our refusing payment of any item on which you have stopped payment or from the payment, as well as for payment of any item after your stop payment order has expired. A stop payment order will be effective for six months and may be renewed upon a request made in writing to us. We are not required to notify you of the expiration of a stop payment order or a renewal of any such order. A stop payment order, a renewal of an any such order, or a revocation of any such order shall not be effective unless it is delivered to us in writing to a member of our staff during our regular business hours and until we have had a reasonable opportunity to act on it. In addition, we We will not be liable for the payment of an item over a stop payment order if the order is received after 10:00 am 10:30 a.m. on the next banking day after the banking day on which we received the item. Due to limitations of computer system limitationssystems, we can intercept an item items subject to a stop payment order orders can be intercepted only if the precise amount, date, check number, name of payee, and any other information that we may reasonably require is provided. If that information is not providedprovided exactly as it appears on the item, we will not be responsible if we are unable to stop payment if payment. If the order is made orally, we have no obligation to honor it. If we do honor an oral stop payment order, it will only be binding for 24 hours, 14 days after which it must be renewed in writing. Any stop payment order, renewal, or revocation will incur a charge as which is set forth in on the Fee Schedule. You agree that we may honor a stop payment order, revocation, or renewal if made by the person who signed the check to be stopped or any other person who has signed the Application or is otherwise authorized to transact business relating to the accountAccount. You agree that we will not be liable for any inadvertent payment of any item, notwithstanding a stop payment order, if we have used ordinary care and followed our usual practices in handling such an order. If an item is inadvertently paid over a valid stop payment order order, due to our failure to exercise ordinary care, we may be liable to you for any loss you suffer as a result of that inadvertent payment. You agree, however, that it will be your responsibility to establish any such loss. You agree that we will never be liable for more than your actual loss and that we will not never be liable for any consequential damages. If we do credit recredit your account after paying an item over a valid stop payment orderAccount, you agree to take whatever action we deem necessary to transfer to us all of your rights against the payee or holder of the item and to assist us if we take legal action against the payee or any other person. In the event that you instruct us to stop payment of certain pre-authorized debits, you acknowledge and agree that, at our option, we may stop payment of all pre-authorized debits from your account if we deem that action necessary to ensure that your stop payment order will be effective. You also acknowledge and agree that we will not be liable for our failure to stop payment for future pre-authorized debits, notwithstanding your stop payment order, if our failure is caused in whole or in part by the actions of the payee. For information concerning your right to stop payment of pre-authorized certain electronic funds fund transfers, please refer to our the Electronic Funds Transfer Fund Transfers Agreement and DisclosuresDisclosures that accompany this Agreement. You may not stop payment of Cashier’s Checks or Credit Union Teller Official Checks issued by us at your request. You may not stop payment of transactions initiated through the use of a debit an ATM/Debit card or a similar device used at an ATM or a Point of Sale point-of-sale terminal.

Stop Payment. You may ask us to stop payment of items on checks drawn on your accountsaccount that we have not paid or certified. You agree to hold must tell us harmless from any claim, loss, damage, or expense that we may incur, including attorney’s fees, resulting from our refusing payment the exact amount of any item on which you have stopped payment or from the payment of any item after your stop payment order has expired. A stop payment order will be effective for six months and may be renewed upon a request made in writing to us. A stop payment order, a renewal of an order, or a revocation of any such order shall not be effective unless delivered to us in writing to a member of our staff during our regular business hours and until we have had a reasonable opportunity to act on it. In addition, we will not be liable for the payment of an item over a stop payment order if the order is received after 10:00 am on the next banking day after the banking day on which we received the item. Due to computer system limitations, we can intercept an item subject to a stop payment order only if the precise amount, datecheck, check number, name date of payeecheck, payee and any other information that we may reasonably require the full account number on which it is provideddrawn for us to be able to enter a stop payment. If that the information you give us is not providedcorrect or if you do not give us other reasonable information requested about the check, we will not be responsible if we are not able to affect the stop payment. We also cannot be responsible if we are not able to identify the proper check because you have issued more than one check with the same serial number. If you generate your checks by computer or in any other manner which does not produce a MICR-encoded check number on the check, we will be unable to guarantee that your stop payment if the order is made orally, we have no obligation to honor it. If we do honor an oral stop payment order, it will only be binding for 24 hours, after which it must be renewed in writing. Any stop payment order, renewal, or revocation will incur a charge as set forth in the Fee Schedulehonored. You therefore agree that to hold us harmless should we may be unable to honor a stop payment order, revocation, or renewal if made by the person who signed the order which you have timely and correctly placed on your check with no MICR-encoded check number. We are entitled to be stopped or any other person who has signed the Application or is otherwise authorized a reasonable period of time within which to transact business relating to the account. You agree that we will not be liable for any inadvertent payment of any item, notwithstanding notify our employees after you give us a stop payment order. For purposes of this Agreement, if we have used ordinary care and followed our usual practices in handling a "reasonable time" means (i) for all stop payment orders entered before the relevant Stop Payment Cut-off Time, not later than 9:00 p.m. on such an day, or (ii) for all stop payment orders entered after the relevant Stop Payment Cut-off Time, not later than 9:00 p.m. on the next banking day following entry of the order. If an item is paid over a valid The foregoing times shall be extended for any time after the placement of stop payment order due to while our failure to exercise ordinary carecomputers are not operating normally. For purposes of this Agreement, "Stop Payment Cut-off Time" means: (i) 7:00 p.m. for individual stop payment orders entered by PC Invision, WEBvision or Wachovia Connection; (ii) 6:00 p.m. for bulk (less than 1,000) stop payment orders; and (iii) 11:OO a.m. for large bulk (1,000 or more) stop payment orders; or such other times as we may be liable establish from time to time; provided we shall notify you for of such change in the Stop Payment Cut-off Times as provided in Section 17 hereof below. In addition, you must notify Wachovia Treasury Services Division by telephone of any loss you suffer as a result bulk stop payment orders prior to entry of that inadvertent payment. You agree, however, that it will be your responsibility such orders in order to establish any such loss. You agree that we will never be liable for more than your actual loss and that we will not be liable for any consequential damagesinsure timely processing. If we do have paid an item over the order to stop payment, or after an account has been closed, or otherwise under circumstances giving a basis for objection by the drawer or maker, we will recredit your account within a reasonable time. To prevent unjust enrichment and only to the extent necessary to prevent loss to us by reason of its payment of the item, you agree we are subrogated to the rights (1) of any holder in due course on the item against the drawer or maker; (2) of the payee or any other holder of the item against the drawer or maker either on the item or under the transaction out of which the item arose; and (3) of the drawer or maker against the payee or any other holder of the item with respect to the transaction out of which the item arose. In that regard, you should be aware that a stop order does not relieve you of your obligation on a check that has been negotiated to a holder in due course. If we re-credit your account after paying an item a check over a valid and timely stop payment order, you agree to take whatever action we deem necessary to transfer to us all of your rights against the payee or other holder of the item check, and to assist us if we take in any legal action taken against that person later on. Any person who is authorized to draw checks against the payee account may give a release or any other personcancellation of a stop payment order. In Stop payment orders on official checks, cashier's checks, or money orders are not permitted. If an official check, cashier's check, or similar item has been lost, stolen or destroyed, you may provide a declaration of loss and affidavit and request the event check be re-issued. The bank may require that you instruct us to stop payment of certain pre-authorized debitswait ninety (90) days (or provide a bond where permitted by law) before honoring your claim, you acknowledge and agree that, at our option, we may stop payment of all pre-authorized debits from your account if we deem that action necessary to ensure that your stop payment order will be effective. You also acknowledge and agree that we will not be liable to you if such check is cashed prior to expiration of the ninety (90) days (or receipt of bond, if applicable). Stop payment orders (both oral and written) are valid for our failure to six (6) months unless you designate a longer period of time when placing the stop payment order. You may extend a stop payment order by calling or writing us prior to the expiration of the existing stop payment order. An additional fee may apply for future pre-authorized debits, notwithstanding your the extended period. If you place a stop payment order, if you agree to pay our failure is caused in whole or in part by the actions of the payee. For information concerning your right to mutually agreed upon stop payment of pre-authorized electronic funds transfersfee and to hold us harmless from costs and expenses incurred by us, please refer including our attorneys' reasonable fees, in connection with our refusal to our Electronic Funds Transfer Agreement and Disclosurespay the stopped check. You may We will not stop payment of Cashier’s Checks be liable to you for any indirect or Credit Union Teller Checks issued by us at your request. You may not stop payment of transactions initiated through the use of a debit card or a similar device at an ATM or a Point of Sale terminalconsequential damages.

Stop Payment. You The System may allow you to request stop payment on Customer Checks. However, the Bank’s acceptance of items drawn a stop payment order will not constitute a representation that the Customer Check has not already been paid, or that the Bank has areasonable opportunity to act upon the stop payment order. Stop payment on your accountsa ▇▇▇▇ Payment transaction must be placed through the ▇▇▇▇ Payment Service. Prior to requesting a stop payment, you should first verify that the Customer Check has not already been posted toyour Account. You agree understand that the Bank is not and you are responsible for determining whether a Customer Check has or has not been paid. The Bank agrees to hold us harmless from any claimenter the stop payment order on its main computer system within a reasonable period of time after it receives the request; however, loss, damage, or expense that we may incur, including attorney’s fees, resulting from our refusing no stop payment of any item on which you have stopped payment or from order will be considered as received by the payment of any item after your Bank until the stop payment order has expiredbeen received and approved by the Bank. A If you require immediate action regarding a stop payment order request,you must call your branch and speak toa branch representative. No stop payment order will be effective for six months against a Customer Check that was paid prior to the time the Bank received and may be renewed upon had a request made reasonable period of time to respond to the stop payment order. If the Customer Check in writing question has already been paid prior to us. A the Bank’s entry of the stop payment order, a renewal of an order, or a revocation of any such order shall not be effective unless delivered to us in writing to a member of our staff during our regular business hours and until we have had a reasonable opportunity to act on it. In addition, we then the Bank will not be liable for any loss incurred by you arising from the payment event. Youmust provide the date,the amount,and the number of an item over a the Customer Check, together with the name of the payee and such other information as may be required by the System, for stop payment order if requests. If you give the order is received after 10:00 am Bank incorrect information or insufficient data, then the Bank will not be liable for its failure tostop payment on the next Customer Check. Youmay not stop payment on an official check, certified check, cashier’s check, teller’s check or bank draft issued by the Bank. Youmay not stop payment on Customer Checks governed by any separate agreement, such as a check guaranty agreement. Youmay not stop payment on a Customer Check after the Bank has accepted or otherwise become accountable on the Customer Check. The Systemmay not be used tostop payment on any automatic entry, such as automatic monthly drafts or ACH debit or credit Entries, or any Payment Order after execution by the Bank, and the Bank may ignore these types of stop payment order requests. You acknowledge that the Systeminformation available regarding the status Customer Checks will not include transactions (including cash payments) on Customer Checks that occur on the same business day as the date on which Bank receives thestop payment order request. Youacknowledge that a transaction search using either the System or the Bank’s main computer will not necessarily reveal whether or not a Customer Check has been paid until the banking day after the banking day on which we received the item. Due to computer system limitations, we can intercept an item subject to a Bank receives the stop payment order only if the precise amountrequest. Any loss suffered by you due to your decision toissue a new or replacement Customer Check, date, check number, name of payee, and or to take any other action, based on information that we may reasonably require is providedavailable through the System or the Bank’s main computer prior to the next business day after the business day on which the stop payment order request was received by the Bank, will be your responsibility and not the Bank’s. If that information is not provided, we will not be responsible if we are unable to you makeyour stop payment if order request via the order is made orallySystem or by telephone, we have no obligation then the Bank may also require you to honor itput your request in the form of a paper writing and get it to the Bank within 14 days after you use the System or call. If we do honor an oral the Bank does ask that you put your stop payment order, order request in writing and you fail to get it will only be binding for 24 hours, to the bank within 14 days after which it must be renewed in writing. Any stop payment order, renewal, or revocation will incur a charge as set forth in you used the Fee Schedule. You agree that we may honor System to place a stop payment order, revocation, or renewal if made by then the person who signed the check to be stopped or any other person who has signed the Application or is otherwise authorized to transact business relating to the account. You agree that we will not be liable for any inadvertent payment of any item, notwithstanding a stop payment order, if we have used ordinary care and followed our usual practices in handling such an order. If an item is paid over a valid stop payment order due to our failure to exercise ordinary care, we may be liable to you for any loss you suffer as a result of that inadvertent payment. You agree, however, that it will be your responsibility to establish any such loss. You agree that we will never be liable for more than your actual loss and that we will not be liable for any consequential damages. If we do credit your account after paying an item over a valid stop payment order, you agree to take whatever action we deem necessary to transfer to us all of your rights against the payee or holder of the item and to assist us if we take legal action against the payee or any other person. In the event that you instruct us to stop payment of certain pre-authorized debits, you acknowledge and agree that, at our option, we may stop payment of all pre-authorized debits from your account if we deem that action necessary to ensure that your stop payment order will be effectiveeffective for 14 days. You also acknowledge and agree Astop payment order is effective for 6 months provided that we will the Bank did not be liable ask for our failure to your stop payment order request in writing or the Bank did ask for future pre-authorized debits, notwithstanding it in writing and you got it to the Bank within 14 days after you used the System to place your stop payment order, if our failure is caused in whole or in part by . After the actions expiration of the payee. For information concerning your right to stop payment of pre-authorized electronic funds transfersorder,a Customer Check may be paid even though the Customer Check is stale dated or restrictions on the Customer Check may have passed (e.g., please refer to our Electronic Funds Transfer Agreement and Disclosuresthe check states that it is not valid after 30 days). You may not If you would like the stop payment of Cashier’s Checks order to remain in effect after the six-month period or Credit Union Teller Checks issued by us at your request14 day period, then you must renew it. You may not Youmay cancel stop payment orders by writing to the Bank. Stop payment orders are automatically canceled when the Account on which the Customer Check is drawn is closed or at the end of transactions initiated through the use six month term or 14 day period of a debit card or a similar device at an ATM or a Point of Sale terminalthe stop payment order (unless renewed). Youwill incur stop payment order charge per each stop payment order request as disclosed in the current Fee Schedules for the applicable Account.

Stop Payment. You may stop payment of items drawn on your accountsAccounts. You agree to hold us harmless from any claim, loss, damage, or expense that which we may suffer or incur, including attorney’s fees, resulting from by virtue of our refusing payment of any item on which you have stopped payment or from the payment, as well as for payment of any item after your stop payment order has expired. A stop payment order will be effective for six months and may be renewed upon a request made in writing to us. A stop payment order, a renewal of an any such order, or a revocation of any such order shall not be effective unless it is delivered to us in writing to a member of our staff during our regular business hours and until we have had a reasonable opportunity to act on it. In addition, we will not be liable for the payment of an item over a stop payment order if the order is received after 10:00 am 9:00 a.m. on the next banking day after the banking day on which we received the item. Due to computer system systems limitations, we can intercept an item items subject to a stop payment order only if cannot be intercepted unless the precise amount, date, check number, name of payee, and any other information that we may reasonably require is provided. If that information is not providedprovided exactly as it appears on the item, we will not be responsible if we are unable to stop payment if payment. If the order is made orally, we have no obligation to honor it. If we do honor an oral stop payment order, it will only be binding for 24 hours, 14 days after which it must be renewed in writing. Any stop payment order, renewal, or revocation will incur a charge as set forth in the Fee Schedule. You agree that we may honor a stop payment order, revocation, or renewal if made by the person who signed the check to be stopped or any other person who has signed the Application or is otherwise authorized to transact business relating to the accountAccount. You agree that we will not be liable for any inadvertent payment of any item, notwithstanding a stop payment order, if we have used ordinary care and followed our usual practices in handling such an order. If an item is inadvertently paid over a valid stop payment order due to our failure to exercise ordinary care, we may be liable to you for any loss you suffer as a result of that inadvertent paymentresult. You agree, however, that it will be your responsibility to establish any such loss. You agree that we will never be liable for more than your actual loss and that we will not be liable for any consequential damages. If we do credit your account Account after paying an item over a valid stop payment order, you agree to take whatever action we deem necessary to transfer to us all of your rights against the payee or holder of the item and to assist us if we take legal action against the payee or any other person. In the event that you instruct us to stop payment of certain pre-authorized debits, you acknowledge and agree that, at our option, we may stop payment of all pre-authorized debits from your account if we deem that action necessary to ensure that your stop payment order will be effective. You also acknowledge and agree that we will not be liable for our failure to stop payment for future pre-authorized debits, notwithstanding your stop payment order, if our failure is caused in whole or in part by the actions of the payee. For information concerning your right to stop payment of pre-authorized electronic funds transfers, please refer to our Electronic Funds Transfer Agreement and Disclosures. You may not stop payment of Cashier’s Checks or Credit Union Teller Checks issued by us at your request. You may not stop payment of transactions initiated through the use of a debit card or a similar device at an ATM or a Point of Sale terminal.we