Provisional Payment Disclosure
Credit given by REGIONAL to you with respect to an automated clearing house credit Entry is provisional
until REGIONAL receives final settlement for such Entry through a Federal Reserve Bank. If REGIONAL
does not receive such final settlement, you are hereby notified and agree that REGIONAL is entitled to a
refund of the amount credited to you in connection with such Entry, and the party making payment to
you via such Entry (i.e., the Originator of the Entry) shall not be deemed to have paid you in the amount
of such Entry.
Under the Operating Rules of the National Automated Clearing House Association, which are applicable
to ACH transactions involving your account, REGIONAL is not required to give next day notice to you of
receipt of an ACH item and REGIONAL will not do so. However, REGIONAL will continue to notify you of
the receipt of payments in the periodic statements we provide to you. REGIONAL may accept on your
behalf payments to your account which have been Transmitted through one or more Automated
Clearing Houses (ACH) and which are not subject to the Electronic Fund Transfer Act and your rights and
obligations with respect to such payments shall be construed in accordance with and governed by the
laws of the state of Indiana as provided by the operating rules of the National Automated Clearing
House Association, which are applicable to ACH transactions involving your account.