ACH Disclosure Information

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.

Notice Disclosure

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.

March 2014