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security procedures. You agree to hold us harmless for any losses or expense related to cancellation or amendment of Wire Transfer payment orders, including any charges or expenses incurred. Processing of Wire Transfer Requests — We will generally use the Federal Reserve funds transfer system to process Wire Transfers, but we may use any means and routes that we, in our sole discretion, consider suitable for the transmission of funds. The Federal Reserve Board's rules, regulations, and policies place aggregate limits on the amount that financial institutions may transfer from time to time during any business day. In the event such limits cause a delay or a failure to transfer any amount specified in any Wire Transfer request we receive from you, you understand and agree that we shall have no liability and are not responsible for any such delay or failure to transfer funds so long as we Promptly notify you of such failure or delay, and effectuate the transfer as soon as is reasonably possible thereafter. Inconsistency of Name and Identifying Numbers — To ensure the accuracy of Wire Transfer payment orders, we rely on the routing number and account number you furnish to us when identifying the recipient of any Wire Transfer payment order. You understand and agree that we and any other financial institution may rely upon any such identifying routing number and/or account number given to us in connection with any Wire Transfer request as being the correct routing number and/or account number, even if the number identifies a person different than the named beneficiary or identifies a financial institution different from the named financial institution. Neither we nor any other financial institution has a duty to determine whether an identifying number you have furnished matches the intended beneficiary or the named financial institution. Errors — You agree to review all account statements, online banking documentation, and other documentation of your Wire Transfer promptly, and to report any error or discrepancies to us immediately. Liability — We will not be liable if we have acted in accordance with the instructions you give us in connection with any Wire Transfer request. You understand and agree that we shail have no liability of any nature for any delays or mistakes in processing a Wire Transfer request, so long as we act in good faith and with reasonabie care. We shall not be responsible for any delays or mistakes caused by other parties through whom we transmit funds, regardless of whether such other parties were selected by you or by us. In no event, however, will we be liable for any special, indirect, or consequential damages (including lost profits) of any kind unless the law requires a different standard. We are not required to pay interest on any amount we may owe to you due to an unauthorized Wire Transfer arising out of our error unless you exercise ordinary care to discover the unauthorized transfer and promptly advise us of the relevant facts within the time period set forth in your Account Agreement. 10. Amendments — We may amend this Agreement, from time to time, by sending you a copy of any amendment at least 30 days prior to its effective date. This Agreement may also be amended by a written amendment executed and signed by you and the Bank. 11. Termination — We may terminate this agreement at any time by giving written or oral notice to you. Unless we terminate this Agreement, the Agreement shall remain in effect until we receive written notice of termination from you and have been afforded a reasonable opportunity to act on your terminatio n notice. You may not assign this Agreement to any other party. 12. Charges and Fees ~— We will charge your account for any Wire Transfer payment orders initiated by you, including applicable fees and expenses as stated in the Fee Schedule. 13. Oral Agreements — This Agreement represents the final agreement between you and us with regard to this subject matter covered by this Agreement, and there are no unwritten oral agreements between us that are not expressly contained in this Agreement. No representation or statement not expressly contained in this Agreement or in any amendment shall be binding upon you or us. Page 2 of 3