Merchant hereby authorizes NCR Voyix, its affiliates, designated agents and representatives, (collectively referred to as NCR Voyix) to initiate credits and debits, as applicable, to the bank account listed above or such substitute bank account as Merchant may designate ("Bank Account") through the automated clearing house ("ACH") network. NCR Voyix will initiate credits and debits to the Bank Account in accordance with the Agreement. This authority will remain in effect until five (5) business days after NCR Voyix receives written notice from Merchant of its change of Bank Account. Merchant will at all times maintain sufficient funds on deposit in the Bank Account for the debiting of amounts owed under the Agreement. If there are insufficient funds in the Bank Account to satisfy any amounts owed NCR Voyix, Merchant shall immediately send NCR Voyix such amounts upon demand. If the account information provided above changes at any time, Merchant will provide the current account information to NCR Voyix within five (5) business days. NCR Voyix shall not be liable to Merchant for any delays in receipt of funds or errors in credit entries caused by third parties, including but not limited to, a clearinghouse, Merchant's financial institution, or any agent of Merchant. Merchant is solely liable for all fees and all overdrafts, regardless of cause. NCR Voyix shall have the unlimited right to debit without prior notice, any Bank Account containing funds for the purpose of satisfying any liability incurred on behalf of Merchant and any amounts owed to NCR Voyix under this Agreement. A fee of $50.00 may be imposed by NCR Voyix for all rejected ACH transactions. Merchant agrees to comply with the operating rules and guidelines of the National ACH Association and the laws of the United States, as in effect from time to time with respect to ACH transactions.

USA PATRIOT ACT NOTICE AND INFORMATION COLLECTION To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to, obtain, verify and record information that identifies each person (individual or business) that opens an account. NCR Voyix collects this information on behalf of its financial institution partners. For this reason, NCR Voyix requests your name, address, date of birth and social security number. NCR Voyix also requests information about your company. This allows NCR Voyix to identify Merchant and its owners. NCR Voyix may also ask for your driver's license or other identifying documents and information. Each owner, control person, and/or officer/manager listed herein understands NCR Voyix may obtain and review information from consumer reporting agencies and/or other informational searches on such individual from time to time to validate the authenticity of information provided and conduct criminal background checks.