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s BANK OF HOLLAND Wire Transfer Agreement The Wire Transfer Agreement (“Agreement”) is entered into as of February 1 , 2026 (the “Effective Date’) between Bank of Holland (hereinafter referred to as “we’, “us”, “our” or “Bank”) and the business entity, Town of Aurora (hereinafter referred to as “you’, “your” or “yours”). 1. Scope of the Agreement — This Agreement applies to Wire Transfers made from business accounts. This Agreement does not apply to any fund transfers covered by our ACH Agreement, or to any fund transfers that are “Remittance Transfers” as defined in the Electronic Fund Transfer Act (15 U.S.C. 16930-1) and Regulation E, Subpart B (12 C.F.R, 1005.30 et seq.). Acceptance of Wire Transfers — We will accept requests for Wire Transfers made pursuant to this Agreement and will charge the Account(s) you have designated for any such Wire Transfers. Wire Transfer services are provided as a service to you, and we may, in our sole discretion, decline to process any request for a Wire Transfer without cause and without prior notice. If we decline to process a Wire Transfer request, we may notify you by any means we choose, including orally, by email or in writing. We will not process Wire Transfer requests with incomplete required information. Security Procedures — To ensure that any Wire Transfer request is duly authorized, there are security procedures that apply to Wire Transfer requests. You agree that we may verify the authenticity of any Wire Transfer request, or any communication requesting cancellation or amendment of any Wire Transfer request, by following our security procedures. These procedures may include, but are not limited to: signature verification, positive identification by at least one photo identification and one other piece of identification, and/or telephone callback procedures, You agree that any Wire Transfer request to us in your name that is made in compliance with this Agreement is effective as your Wire Transfer request, whether initiated by you, so long as we follow these security procedures. You understand and agree that if we are unable to verify the authenticity of your Wire Transfer request, we may, pursuant to our security procedures, decline to process your Wire Transfer request, and we shall have no liability of any nature whatsoever if we do so. Cut-off Times — Wire Transfer Requests must be received by us prior to our cut-off time in order to be processed on the business day of your request. Our cut-off time for incoming and outgoing Wire Transfers is 2:00 pm Eastern Time. A “business day" for Wire Transfer purposes is any day except Saturdays, Sundays and Federal holidays. Our cut-off time is subject to change without notice. Wire Transfer requests received after the cut-off time on a business day, or on a day that is not a business day, may not be processed until the next business day we are open, Cancelling or Amending a Wire Transfer ~ You understand and agree that you will have no right to cancel or amend a Wire Transfer request after we receive it. The previous sentence notwithstan ding, we will make a reasonable effort to act on a request to cancel or amend a Wire Transfer payment order made by you prior to the time that we execute such payment order, but we have no liability if your cancellation or amendment request is ineffective. After a Wire Transfer payment order has been sent, we may also make a reasonable effort to respond to your request to cancel or amend the payment order, but you understand and agree that we may be unable to cancel or amend a payment order once it has been accepted by the recipient financial institution. Cancellation or amendment requests may be made by phone, but must be followed by a written request and must be made in accordance with our Page 1 of 3