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Applicability. Variation by agreement; measure of damages; action constituting ordinary care. Definitions and index of definitions. “Bank”; “depositary bank”; “payor bank”; “intermediary bank”; “collecting bank”; “presenting bank.” Payable through or payable at bank; collecting bank. Separate office of a bank. Time of receipt of items. Delays. Electronic presentment. Statute of limitations. 11-4-212. 11-4-213. 11-4-214. 11-4-215. 11-4-216. Part 3 Collection of Items: Payor Banks Part 2 11-4-301. Collection of Items: Depositary and Collecting Banks 11-4-201. 11-4-202. 11-4-203. 11-4-204. 11-4-205. 11-4-206. 11-4-207. 11-4-208. 11-4-209. 11-4-210. When bank gives value for purposes of holder in due course. Presentment by notice of item not payable by, through, or at a bank; liability of drawer or indorser. Medium and time of settlement by bank. Right of charge-back or refund; liability of collecting bank; return of item. Final payment of item by payor bank; when provisional debits and credits become final; when certain credits become available for withdrawal. Insolvency and preference. Status of collecting bank as agent and provisional status of credits; applicability of article; item indorsed “pay any bank.” Responsibility for collection or return; when action timely. Effect of instructions. Methods of sending and presenting; sending directly to payor bank. Depositary bank holder of unindorsed item. Transfer between banks. Transfer warranties. Presentment warranties. Encoding and retention warranties. Security interest of collecting bank in items, accompanying documents, and proceeds. 11-4-302. 11-4-303. Deferred posting; recovery of payment by return of items; time of dishonor; return of items by payor bank. Payor bank’s responsibility for late return of item. When items subject to notice, stop-payment order, legal process, or setoff; order in which items may be charged or certified. Part 4 Relationship Between Payor Bank and Its Customer 11-4-401. 11-4-402. 11-4-403. 11-4-404. 466 When bank may charge customer’s account. Bank’s liability to customer for wrongful dishonor; time of determining insufficiency of account. Customer’s right to stop payment; burden of proof of loss. Bank not obliged to pay T.11, A.4 BANK DEPOSITS AND COLLECTIONS Sec. 11-4-405. 11-4-406. 11-4-407. Sec.