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You will review your account statements prior to transmitting any Stop Payment Request. You will not transmit any Stop Payment Request relating to a check that has been shown to be paid on such statements. In some cases, we may pay a check even if a Stop Payment Request is in effect. For example, if one of our branches (or banking centers) or affiliates becomes a "holder in due course" of the check that you asked us to stop, we may still pay the check. The procedures for placing and acknowledging Stop Payment Requests are described in the applicable User Documentation. If you use any Online Stop Payment Services with respect to an account connected to a Controlled Disbursement Service, you must follow the procedures in this section rather than the Stop Payment procedul'es in the Controlled Disbursement Services section. POSITIVE PAY Our Positive Pay Services allow you to identify exception items, to request photocopies and/or electronic images of exception items and to instl1lct us whether to payor return those items. In many locations, if you send us an issue file, YOUl' information may be made available at the teller line. This is called ''Teller Positive Pay", which helps identify fraudulent checks that are presented for payment at many of our banking centers. With Teller Positive Pay, the decision whether to pay such an item may be made by us at the teller line. On each Business Day, we provide you a report of checks presented to us for payment on the plioI' Business Day and which we have identified as exceptions based on information you have provided to us and as more fully described in the applicable User Documentation. Exceptions are determined by comparing checks presented to us (either by other depository institutions or, where applicable, for cashing at one of our banking centers) with lists of checks issued or canceled by you which you transmit electronically to us each Business Day by the time specified in the applicable User Documentation. Alternatively, where available, you may choose an option under which we l'eport all checks presented for payment, in which case we will treat all such checks as exception items. On the same day we report exception items to you, you must notify us, by the deadline specified in the applicable User Documentation, which checks you want us to payor which to dishonor and return. If you fail to notify us by the deadline, we will handle the exception items in accordance with the prescribed default procedure (which you may choose where the choice is available). Where required, you will indicate which checks you want us to return, having been deemed by you to be fraudulent. Our deadlines, default procedures and procedures for acknowledging pay and return requests are desclibed in the applicable User Documentation. In order to assist you in making your decision whether we should payor return exception items, you may request a copy of any exception item. AD-AG-0455B (2004-2) 33