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Schedule B: Security Procedures and Transaction Settlement/Delivery Timeframes Security Procedures The Financial Institution grants access to its banking system to perform transactions authorized in Schedule A. The Company agrees to establish prudent security standards and policies that include proper safeguards to protect the confidentiality of all Login IDs and Passwords that are assigned to the Company for initiating transactions using this system. Any transaction initiated or authorized using a valid combination of a Login ID and Password will be considered authentic, valid and binding by the Company and Financial Institution. The Financial Institution agrees to provide reasonable assistance to establish Login IN and Passwords, training, and support to the Company for properly using the services. If files or entries need to be delivered to the Financial Institution, the information must be delivered to the address below. If the Company suspects or believes any such information has been compromised, it shall immediately contact the Financial Institution at the following address: Emergency Contact Title Financial Institution North Star Bank City/St Roseville, MN 55113 Street Address 1820 Lexington Avenue Fax Telephone Number Email In the event the Financial Institution needs to contact the Company, the following contact information shall constitute notice if delivered to: Emergency Contact -Title Company Name City/St Street Address Fax Telephone Number Email Transaction Settlement/Deliver-v Timeframes All ACH Credit Entries should be completed/authorized at least two (2) business days prior to the "Effective Date" of the transactions. All ACH Debit Entries should be completed/authorized at least one (1) business day prior to the"Effective Date" of the transactions. If the transactions are not completed/authorized by the required timeframe, the Financial Institution cannot guarantee the transactions will be accepted by ACH processors, or be received/posted on the"Effective Date" by the recipients financial institution. The Financial Institution may accept these items and they will be forwarded to the ACH processor no later than the Financial Institution's next regularly scheduled delivery time. For Settlement/Delivery purposes, a business day is defined as legal banking days where both the Financial Institution and ACH processor are open for business. The end-of-day cutoff time is shown below: End-of-day Cut-off Time: 4:00 p.m. Time zone: C.S.T. All ACH Credit originations represent financial obligations for the Company and Financial Institution. The Financial Institution may reject any Entry if Company has failed to comply with its account balance obligations under Section 10 or 11. The balance showing in the account designated as the settlement account for the Entries must be sufficient to cover the total originations on the Delivery date as described above. If the settlement account does not have sufficient funds at that. time, the Financial Institution may, without any liability, deny, reject or process the Entries. If the entries are processed, the Company is still obligated to pay the Financial Institution for the Entries.