���DZ���

A. This Automated Clearing House (“ACH”) Services Agreement (this “Agreement”) applies to certain third-party services that ���DZ���. (“Provider”) will provide to the undersigned customer (“Customer”) under the business demand deposit account available from Middlesex Federal Savings, F.A., member of the Federal Deposit Insurance Corporation (“Bank”), through Provider's software platform.

B. Customer authorizes Provider to electronically debit and credit Customer’s account via ACH and to correct any erroneous debits or credits or credits via ACH.

C. Customer acknowledges funds from ACH credit transactions may not be immediately available and may take up to five business days to post to your account.

D. Customer makes the following agreements, certifications, authorizations, acknowledgments, and warranties:

1. Customer agrees (a) to be bound by the Nacha Rules, as the same may be amended from time to time, (b) it will not submit Entries that violate the laws of the United States, (c) to comply with all U.S. laws, rules and regulations, including, as applicable, laws, rules and regulations applicable to International ACH Transaction (“IAT”) Entries (including those of the Office of Foreign Assets Control (OFAC) and the Financial Crimes Enforcement Network), (d) Provider shall have the right to audit Customer's compliance with the provisions of this the Agreement, and the Nacha Rules, and (e) Provider shall have the right to suspend or terminate the Agreement immediately upon notice to Customer in the event Customer breaches any of the Nacha Rules;
2. Customer certifies that (a) it has not been suspended and does not appear on a National Association list of suspended Originators, and (b) warrants that it will not transmit any Entry if it has been suspended or appears on a National Association list of suspended Originators;
3. Customer authorizes Provider to initiate Entries on behalf of Customer and Customer agrees to be financially responsible to Bank for all Entries initiated by Provider on Customer's behalf;
4. Customer acknowledges that Provider shall initiate Entries solely on Customer’s behalf and in accordance with this agreement. Customer agrees to not initiate or cause Provider to initiate any Entries on behalf of any third parties, including Nested Third Party Senders, as defined by the Nacha Operating Rules;
5. Customer acknowledges and agrees that Provider and Bank (a) may restrict certain types of Entries, (b) shall have the right to reject any Entry or series of Entries, and (c) shall have the right to reverse Erroneous Entries;
6. Customer agrees that (a) prior to submission, each Entry has been properly authorized by Customer, (b) the 'authorization' has not been revoked, (c) the Agreement has not been terminated, and (d) Customer will provide a copy of such authorization to Provider or Provider's Bank upon request;
7. Customer understands that the Provider must have all information necessary to ensure that (a) all credit and debit Entries will be accurate and timely, and (b) each Entry will contain all information required by the Nacha Rules for specific Entry types, including, but not limited to, the correct account number, dollar amount of the Entry, Customer's Name, and Customer's Entry description;
8. Customer acknowledges and agrees that (1) Customer shall be responsible for promptly detecting and correcting any errors, (2) any Entry sent to Provider that identifies the Receiver inconsistently by name and account number may be processed by Bank based solely on the account number provided, (3) Provider is authorized to take such measures as Provider deems appropriate to carry out the intent of Customer in completing any particular Entry, including, but not limited to, Provider may contact Customer or may attempt t