Common use of Receipt of Deposit Clause in Contracts

Receipt of Deposit. All Images processed for deposit through Mobile Deposit will be treated as “deposits” under the Account Agreement and this Agreement. When we receive an Image, we will attempt to confirm receipt via a confirmation email to you if you have elected this option and provided us with your email address when you make the deposit. We shall not be deemed to have received the Image for deposit until we have confirmed receipt. Confirmation does not mean that the Image contains no errors. Notwithstanding the fact that we have accepted a Mobile Deposit for processing, any credit made to your Mobile Deposit Account shall be provisional, and you shall remain liable to us for any errors, inaccuracies, breach of warranties, and any other loss sustained by, or claim made against us. We shall have no liability to you for the rejection of a Mobile Deposit or the Images or other information contained therein or for our failure to notify you of such rejection. We are not responsible for any Image that we do not receive. Following receipt, we may process the Image by preparing a “substitute check” or clearing the item as an Image. We reserve the right, in our sole and absolute discretion, to reject any Image for remote deposit into your Mobile Deposit Account. We will notify you of rejected Images by phone, email or other means. Retention of Checks. After you receive confirmation that we have received an Image, we recommend you securely store the Item for five (5) calendar days from the date of Image transmission. Upon our request from time to time, you will deliver to us the requested Check in your possession. If not provided in a timely manner, such amount will be reversed from your Mobile Deposit Account. Promptly after such period expires, you must destroy the Check by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of a Check, the Image will be the sole evidence of the Check. We recommend destroying each Item of which you have transmitted an Image after 14 days. You agree that you will never deposit the Check or present the Check to us or anyone else for payment. You understand that you are responsible if anyone is asked to make a payment based on a Check that has already been paid.

Receipt of Deposit. All Images images processed for deposit through Mobile Deposit will be treated as “depositsdepos- its” under your current Account Agreement with us and will be subject to all terms of the Account Agreement and this AgreementAgree- ment. When we receive an Imageimage, we will attempt to confirm receipt via a confirmation email to you if you have elected this option and provided us with your email address when you make the deposityou. We shall not be deemed to have received the Image image for deposit until we have confirmed receiptreceipt to you. Confirmation does not mean that the Image image contains no errors. Notwithstanding the fact that we have accepted a Mobile Deposit for processing, any credit made to your Mobile Deposit Account shall be provisional, and you shall remain liable to us for any errors, inaccuracies, breach of warranties, and any other loss sustained by, or claim made against us. We shall have no liability to you for the rejection of a Mobile Deposit or the Images or other information contained therein or for our failure to notify you of such rejection. We are not responsible for any Image image that we do not receive. Following receipt, we may process the Image image by preparing a “substitute check” or clearing the item as an Imageimage. We reserve the right, in at our sole and absolute discretion, to reject any Image image for remote mobile deposit into your Mobile Deposit Accountaccount. We will notify you via email of rejected Images by phone, images to the current email or other meansaddress we have on record with your Online Banking account. Retention of ChecksOriginal checks. After you receive confirmation that we have received an Imageimage, we recommend you must securely store the Item original check for five (5) 60 calendar days from after transmission to us and make the date of Image transmissionoriginal check accessible to us at our request. Upon our request from time to timeIf requested, you will deliver to us within 10 calendar days, at your expense, the requested Check re- quested original check in your possession. If not provided in a timely manner, such amount will be reversed re- versed from your Mobile Deposit Accountaccount. Promptly after such period expires, you must destroy the Check original check by first marking it “VOID” and then destroying destroy it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of a Checkan original check, the Image image will be the sole evidence of the Check. We recommend destroying each Item of which you have transmitted an Image after 14 daysoriginal check. You agree that you will never deposit the Check or re-present the Check to us or anyone else for paymentoriginal check. You understand that you are responsible if anyone is asked to make a payment based on a Check an original check that has already been paid. Returned Deposits. Any credit to your account for checks deposited using Mobile Deposit is provisional. If original checks deposited through Mobile Deposit are dishonored, rejected or otherwise returned un- paid by the drawee bank, or are rejected or returned by a clearing agent or collecting bank, for any reason, including, but not limited to, issues relating to the quality of the image, you agree that an original check will not be returned to you, but that we may charge back the amount of the original check and provide you with an image of the original check, a paper reproduction of the original check or a substitute check. You will reimburse us for all loss, cost, damage or expense caused by or relating to the processing of the returned item. Without our approval, you shall not attempt to deposit or otherwise negotiate an original check if it has been charged back to you. We may debit any of your accounts to obtain payment for any item that has been rejected or returned, for any adjustment related to such item or for any warranty claim related to such item, whether or not the rejection, return, adjustment or warranty claim was made timely. Your Warranties. You make the following warranties and representations with respect to each image: • Each image is a true and accurate rendition of the front and back of the original check, without any alteration, and the drawer of the check has no defense against payment of the check. • The amount, payee(s), signature(s), and endorsement(s) on the image and on the original check are legible, genuine, and accurate. • You will not deposit or otherwise endorse to a third party the original check and no person will receive a transfer, presentment, or return of, or otherwise be charged for, the original check or a paper or elec- tronic representation of the original check such that the person will be asked to make payment based on an item that has already been paid. • There are no other duplicate images of the original check. • The original check was authorized by the drawer in the amount stated on the original check and to the payee(s) stated on the original check. • You are authorized to enforce and obtain payment of the original check. • You have possession of the original check and no party will submit the original check for payment. With respect to each image, you make to us all representations and warranties that we make or are deemed to make to any party pursuant to law, regulation or clearinghouse rule. You agree that files and images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on our network, data, or related systems. Compliance with Law. You will use Mobile Deposit for lawful purposes and in compliance with all appli- cable laws, rules and regulations. You warrant that you will only transmit acceptable items for deposit and have handled the original items in accordance with applicable laws, rules and regulations. Mobile Deposit Unavailability. Mobile Deposit may be unavailable temporarily due to system mainte- xxxxx or technical difficulties, including those of the Internet service provider, cellular service provider and Internet software. In the event that Mobile Deposit is unavailable, you may deposit original checks at our branches or through our ATMs. Funds Availability. Mobile deposits confirmed as received before 7 pm EST will be credited to your account on the same business day. Mobile Deposits confirmed as received after 7 pm EST or on holidays or days that are not business days will be credited to your account on the following business day. Funds from items deposited through Mobile Deposit will be available on the second business day after the day of your deposit. The credit union reserves the right to extend the hold on funds deposited via Mobile Deposit at any time.

Receipt of Deposit. All Images images processed for deposit through HBNA Mobile Deposit will be treated as “deposits” under your current Account Agreement with us and will be subject to all terms of the Account Agreement and this Agreement. When we receive an Imageimage, we will attempt only notify you only if a deposit is rejected. To confirm acceptance of a mobile deposit, please log into your account using Heritage Bank’s online banking after 8:00 pm central time. The image is not deemed “received” by us until it is posted to confirm receipt via a confirmation email to you if you have elected this option and provided us with your email address when you make account at the depositend of the business day. We shall not be deemed to have received Acceptance within the Image for deposit until we have confirmed receipt. Confirmation HBNA Mobile Deposit application does not mean that the Image contains no errors. Notwithstanding the fact that we have image is free of errors or will be accepted a Mobile Deposit for processing, any credit made to your Mobile Deposit Account shall be provisional, and you shall remain liable to us for any errors, inaccuracies, breach of warranties, and any other loss sustained by, or claim made against us. We shall have no liability to you for the rejection of a Mobile Deposit or the Images or other information contained therein or for our failure to notify you of such rejectiondeposit. We are not responsible for any Image that image we do not receive. Following receipt, we may process the Image image by preparing a “substitute check” or clearing using the item as an Imageimage to clear the item. We reserve the rightright to reject any deposit made through HBNA Mobile Deposit, which fails to satisfy any of our processing requirements, as determined by us in our sole and absolute discretion, to reject any Image for remote deposit into your Mobile Deposit Account. We will notify you of rejected Images by phone, email images. Reasons for rejection may include any of the following: incomplete or other meansmissing endorsement; illegible check or poor image quality; altered check; or duplicate check. Retention This list is a list of Checksexamples only and is not a list of all of the reasons that an image of a check may be rejected. Original checks. After you receive confirmation that we have received an Imageimage, we recommend you must securely store the Item original check for thirty (30) days after transmission to us and make the original check accessible to us at our request. We may request to view the original check for a variety of reasons, such as we have concerns with the accuracy or validity of the image. Upon our request, and within five (5) calendar days from the date of Image transmission. Upon our request from time to timebusiness days, you will must deliver to us us, at your expense, the requested Check in your possessionoriginal check. If you do not provided provide the original check in a timely manner, such amount the deposit in question will be reversed from your Mobile Deposit Accountaccount. Promptly after such period expiresAt the end of this thirty (30) day period, you must destroy the Check original check by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of a Checkan original check, the Image image will be the sole evidence of the Check. We recommend destroying each Item of which you have transmitted an Image after 14 daysoriginal check. You agree that you will never deposit the Check or re-present the Check to us or anyone else for paymentoriginal check. You understand that you are responsible if anyone the original check is asked to make a payment based on a Check that has already been paidever presented again for payment.

Receipt of Deposit. All Images images processed for deposit through Mobile Deposit will be treated as “deposits” under the your current Membership and Account Agreement with us and this will be subject to all terms of the Membership and Account Agreement. When we receive an ImageUpon receipt of the digital image, we will attempt review the image for acceptability and will convert items meeting our requirements into substitute checks to confirm facilitate the deposit and collection of such items. You understand and agree that electronically transmitting a digital image of a check does not constitute receipt via a confirmation email to you by the credit union. Confirmation of our receipt of your deposit can be verified by email, if you have elected this option and provided us with choose to receive an email confirmation, or by viewing your email address when you make the depositaccount in Virtual Branch. We shall not be deemed to have received the Image image for deposit until we have confirmed receiptthe image is posted to your account. Confirmation You understand that in the event you receive a notification from us confirming receipt of an image, such notification does not mean that the Image image contains no errors. Notwithstanding the fact errors or that we have accepted a Mobile Deposit for processing, any credit made to your Mobile Deposit Account shall be provisional, and you shall remain liable to us are responsible for any errors, inaccuracies, breach of warranties, and any other loss sustained by, or claim made against information you transmit to us. We shall have no liability to you for the rejection of a Mobile Deposit or the Images or other information contained therein or for our failure to notify you of such rejection. We are not responsible for any Image image that we do not receive. Following receiptreceipt of the image, we may process the Image image by preparing a “substitute check.” or clearing Notwithstanding anything to the item as an Image. We contrary, we reserve the right, in within our sole and absolute discretion, to accept or reject any Image item for remote deposit into your Mobile Deposit Accountaccount. We will notify you of rejected Images by phone, email or other means. Retention of Checks. After you receive confirmation that In the event we have received reject an Image, we recommend you securely store the Item item for five (5) calendar days from the date of Image transmission. Upon our request from time to timeremote deposit, you will deliver to us the requested Check in your possession. If not provided in a timely manner, such amount will be reversed from your Mobile Deposit Account. Promptly after such period expires, you must destroy the Check by first marking it “VOID” understand and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of a Check, the Image will be the sole evidence of the Check. We recommend destroying each Item of which you have transmitted an Image after 14 days. You agree that you will never must deposit the Check or present the Check to us or anyone else for paymentoriginal item. You understand and agree that even if we do not initially reject an item you deposit through Mobile Deposit, we may return the substitute check we created because, for example, the paying bank deems the electronic image illegible. Our failure to reject such an item shall not limit your liability to us. We are not liable for any service or late charges levied against you due to our rejection of any item. In all cases, you are responsible if anyone is asked for any loss or overdraft fees plus any applicable fees to make a payment based on a Check that has already been paidyour account due to an item being returned.

Receipt of Deposit. All Images images processed for deposit through Mobile Deposit will be treated as “"deposits” " under your current Deposit Account Agreement with us and will be subject to all terms of the Deposit Account Agreement and this any amendments to such Agreement. To be eligible for processing on the day transmitted, Mobile Deposits must be received and accepted by Bank on or before 6:00 p.m. Eastern Time or other cut-off time established by Bank from time to time (the “Cut-Off Time”) on a Business Day that the Bank is open. A Mobile Deposit that is received after the cut-off time shall be deemed to have been received on the Business Day following the Business Day on which the Mobile Deposit is actually received by Bank. Cut-off time information is available at xxxxx://xxx.xxxxxxxxxxxxx.xxx. or by calling the Bank as set forth in Section 10.6. When we receive an Imageimage, we will attempt to confirm receipt that you have submitted the image via a message displayed on your Mobile Device. Your submission confirmation email to you if you have elected this option and provided us with your email address when you make the deposit. We shall not be deemed to have received the Image for deposit until we have confirmed receipt. Confirmation does not mean that the Image image contains no errorserrors or that it has been approved for crediting. Notwithstanding A status of "pending" does not indicate that the fact submitted item has been accepted. You will not receive a subsequent notification that we have accepted a submitted image has been credited to your Account. You agree that Bank has no obligation to accept a Mobile Deposit for processingand, therefore, we reserve the right to reject any credit made to your Mobile Deposit Account shall be provisional, and you shall remain liable to us for any errors, inaccuracies, breach of warranties, and any other loss sustained by, or claim made against us. We shall have no liability to you for the rejection of a Mobile Deposit or the Images or other information contained therein or transmitted through this Service, at our discretion, without liability to you. If your submission is rejected, you will receive e-mail of such rejection from the Bank. It is your responsibility to check notifications from the Bank for our failure any rejected submissions and contact the Bank to notify you of address the reason for such rejection. We are not responsible You acknowledge and agree that Bank shall have no liability to you for any Image that we do not receive. Following receipt, we may process the Image by preparing a “substitute check” or clearing the item as an Image. We reserve the right, in our sole and absolute discretion, failing to reject any Image for remote deposit into your Mobile Deposit Account. We will notify you provide notice of rejected Images by phone, email or other means. Retention of Checks. After you receive confirmation that we have received an Image, we recommend you securely store the Item for five (5) calendar days from the date of Image transmission. Upon our request from time to time, you will deliver to us the requested Check in your possession. If not provided in a timely manner, such amount will be reversed from your Mobile Deposit Account. Promptly after such period expires, you must destroy the Check by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction rejection of a Check, the Image will be the sole evidence of the Check. We recommend destroying each Item of which you have transmitted an Image after 14 daysMobile Deposit. You agree that you will never deposit shall be solely liable for, and Bank shall not have any liability whatsoever to you for, any Mobile Deposit or the Check Images or present the Check to us or anyone else for paymentother information contained therein that are not received by Bank. You understand also agree to be liable for Mobile Deposits or the Images or other information contained therein that you are responsible if anyone is asked to make a payment based on a Check that has already been paidintercepted or altered by an unauthorized third party or dropped during transmission.

Receipt of Deposit. All Images Check images processed for deposit through Mobile Deposit will be treated as “"deposits” " under the your current Deposit Account Agreement with us and this Agreementwill be subject to all terms of the Terms and Conditions and any amendments to such agreement. To be eligible for processing on the day transmitted, Mobile Deposits must be received and accepted by Bank on or before 6:00 p.m. CST or other cut-off time established by Bank from time to time (the "Cut-Off Time") on a Business Day that the Bank is open. A Mobile Deposit that is received after the cut-off time shall be deemed to have been received on the Business Day following the Business Day on which the Mobile Deposit is actually received by Bank. Cut- off time information is available on the Broadway mobile app or by calling the Bank as set forth in Section X.4. When we receive an Imageimage, we will attempt to confirm receipt that you have submitted the image via a message displayed on your Mobile Device. Your submission confirmation email to you if you have elected this option and provided us with your email address when you make the deposit. We shall not be deemed to have received the Image for deposit until we have confirmed receipt. Confirmation does not mean that the Image image contains no errorserrors or that it has been approved for crediting. Notwithstanding A status of "pending" does not indicate that the fact submitted item has been accepted. You will not receive a subsequent notification that we have accepted a submitted image has been credited to your Account. You agree that Bank has no obligation to accept a Mobile Deposit for processingand, therefore, we reserve the right to reject any credit made to your Mobile Deposit Account shall be provisionalor the Check images or other information contained therein transmitted through this Service, and at our discretion, without liability to you. If your submission is rejected, you shall remain liable may receive notice of such rejection from the Bank. It is your responsibility to us check your transaction history for any errors, inaccuracies, breach of warranties, rejected submissions and any other loss sustained by, or claim made against uscontact the Bank to address the reason for such rejection. We You acknowledge and agree that Bank shall have no liability to you for the failing to provide notice of rejection of a Mobile Deposit. You agree that you shall be solely liable for, and Bank shall not have any liability whatsoever to you for, any Mobile Deposit or the Images Check images or other information contained therein or for our failure to notify you of such rejection. We that are not responsible received by Bank. You also agree to be liable for any Image that we do not receive. Following receipt, we may process Mobile Deposits or the Image by preparing a “substitute check” or clearing the item as an Image. We reserve the right, in our sole and absolute discretion, to reject any Image for remote deposit into your Mobile Deposit Account. We will notify you of rejected Images by phone, email Check images or other means. Retention of Checks. After you receive confirmation information contained therein that we have received are intercepted or altered by an Image, we recommend you securely store the Item for five (5) calendar days from the date of Image unauthorized third party or dropped during transmission. Upon our request from time to time, you will deliver to us the requested Check in your possession. If not provided in a timely manner, such amount will be reversed from your Mobile Deposit Account. Promptly after such period expires, you must destroy the Check by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of a Check, the Image will be the sole evidence of the Check. We recommend destroying each Item of which you have transmitted an Image after 14 days. You agree that you will never deposit the Check or present the Check to us or anyone else for payment. You understand that you are responsible if anyone is asked to make a payment based on a Check that has already been paid.

Receipt of Deposit. All Images processed for deposit through Mobile Deposit will be treated as “"deposits” " under your current Deposit Account Agreement with us and will be subject to all terms of the Deposit Account Agreement and this any amendments to such Agreement. To be eligible for processing on the day transmitted, Mobile Deposits must be received and accepted by Bank on or before 6:15 p.m. Central Time or other cut-off time established by Bank from time to time (the “Cut-Off Time”) on a Business Day that the Bank is open. A Mobile Deposit that is received after the Cut-Off Time shall be deemed to have been received on the Business Day following the Business Day on which the Mobile Deposit is actually received by Bank. Cut-Off Time information is available at xxxx://xxx.xxxxxxxx.xxx or by calling the Bank as set forth in Section 10.6. When we receive an Image, we will attempt to confirm receipt that you have submitted the Image via a message displayed on your Mobile Device. Your submission confirmation email to you if you have elected this option and provided us with your email address when you make the deposit. We shall not be deemed to have received the Image for deposit until we have confirmed receipt. Confirmation does not mean that the Image contains no errorserrors or that it has been approved for crediting. Notwithstanding A status of "pending" does not indicate that the fact submitted item has been accepted. You will not receive a subsequent notification that we have accepted a submitted Image has been credited to your Account. You agree that Bank has no obligation to accept a Mobile Deposit for processingand, therefore, we reserve the right to reject any credit made to your Mobile Deposit Account shall be provisional, and you shall remain liable to us for any errors, inaccuracies, breach of warranties, and any other loss sustained by, or claim made against us. We shall have no liability to you for the rejection of a Mobile Deposit or the Images or other information contained therein or transmitted through this Service, at our discretion, without liability to you. If your submission is rejected, you will receive e-mail of such rejection from the Bank. It is your responsibility to check notifications from the Bank for our failure any rejected submissions and contact the Bank to notify you of address the reason for such rejection. We are not responsible You acknowledge and agree that Bank shall have no liability to you for any Image that we do not receive. Following receipt, we may process the Image by preparing a “substitute check” or clearing the item as an Image. We reserve the right, in our sole and absolute discretion, failing to reject any Image for remote deposit into your Mobile Deposit Account. We will notify you provide notice of rejected Images by phone, email or other means. Retention of Checks. After you receive confirmation that we have received an Image, we recommend you securely store the Item for five (5) calendar days from the date of Image transmission. Upon our request from time to time, you will deliver to us the requested Check in your possession. If not provided in a timely manner, such amount will be reversed from your Mobile Deposit Account. Promptly after such period expires, you must destroy the Check by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction rejection of a Check, the Image will be the sole evidence of the Check. We recommend destroying each Item of which you have transmitted an Image after 14 daysMobile Deposit. You agree that you will never deposit shall be solely liable for, and Bank shall not have any liability whatsoever to you for, any Mobile Deposit or the Check Images or present the Check to us or anyone else for paymentother information contained therein that are not received by Bank. You understand also agree to be liable for Mobile Deposits or the Images or other information contained therein that you are responsible if anyone is asked to make a payment based on a Check that has already been paidintercepted or altered by an unauthorized third party or dropped during transmission.

Receipt of Deposit. All Images images processed for deposit through Mobile Check Deposit will be treated as “"deposits” " under the your current Membership and Account Agreement with us and this will be subject to all terms of the Membership and Account Agreement. When we receive an Imageimage, we will attempt to confirm receipt via through a confirmation email to you if you have elected this option and provided us with your email address when you make notification in the depositapp. We shall not be deemed to have received the Image image for deposit until we have confirmed receiptreceipt to you. Confirmation does not mean that the Image image contains no errors. Notwithstanding the fact that we have accepted a Mobile Deposit for processing, any credit made to your Mobile Deposit Account shall be provisional, and you shall remain liable to us for any errors, inaccuracies, breach of warranties, and any other loss sustained by, or claim made against us. We shall have no liability to you for the rejection of a Mobile Deposit or the Images or other information contained therein or for our failure to notify you of such rejection. We are not responsible for any Image image that we do not receive. Following receipt, we may process the Image image by preparing a “"substitute check” " or clearing the item as an Imageimage. We reserve the right, in at our sole and absolute discretion, to reject any Image image for remote mobile check deposit into your Mobile Deposit Accountaccount. We will notify you of rejected Images by phone, email or other meansimages. Retention of ChecksOriginal checks. After you receive confirmation that we have received an Imageimage, we recommend you must securely store the Item original check for five (5) calendar 60 days from after transmission to us and make the date of Image transmissionoriginal check accessible to us at our request. Upon our request from time to time, you will deliver to us within 5 days, at your expense, the requested Check original check in your possession. If not provided in a timely manner, such amount will be reversed from your Mobile Deposit Accountaccount. Promptly after such period expires, you must destroy the Check original check by first marking it “"VOID” " and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of a Checkan original check, the Image image will be the sole evidence of the Check. We recommend destroying each Item of which you have transmitted an Image after 14 daysoriginal check. You agree that you will never deposit re-present the Check original check, or present a second image of the Check to us or anyone else for paymentoriginal check. You understand that you are responsible if anyone is asked to make a payment based on a Check an original check that has already been paid. Returned Deposits. Any credit to your account for checks deposited using Mobile Check Deposit is provisional. If original checks deposited through Mobile Check Deposit are dishonored, rejected or otherwise returned unpaid by the drawee bank, or are rejected or returned by a clearing agent or collecting bank, for any reason, including, but not limited to, issues relating to the quality of the image, you agree that an original check will not be returned to you, but that we may charge back the amount of the original check and provide you with an image of the original check, a paper reproduction of the original check or a substitute check. You will reimburse us for all loss, cost, damage or expense caused by or relating to the processing of the returned item. Without our approval, you shall not attempt to deposit or otherwise negotiate an original check if it has been charged back to you. We may debit any of your accounts to obtain payment for any item that has been rejected or returned, for any adjustment related to such item or for any warranty claim related to such item, whether or not the rejection, return, adjustment or warranty claim was made timely. Your Warranties. You make the following warranties and representations with respect to each image: • Each image is a true and accurate rendition of the front and back of the original check, without any alteration, and the drawer of the check has no defense against payment of the check. • The amount, payee(s), signature(s), and endorsement(s) on the image and on the original check are legible, genuine, and accurate. • You are not in knowledge of the fact that a stop payment exists against the check. • You will not deposit or otherwise endorse to a third party the original check and no person will receive a transfer, presentment, or return of, or otherwise be charged for, the original check or a paper or electronic representation of the original check such that the person will be asked to make payment based on an item that has already been paid. • There are no other duplicate images of the original check. • The original check was authorized by the drawer in the amount stated on the original check and to the payee(s) stated on the original check. • You are authorized to enforce and obtain payment of the original check. • You have possession of the original check and no party will submit theoriginal check for payment. With respect to each image, you make to us all representations and warranties that we make or are deemed to make to any party pursuant to law, regulation or clearinghouse rule. You agree that files and images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on our network, data, or related systems. Compliance with Law. You will use Mobile Check Deposit for lawful purposes and in compliance with all applicable laws, rules and regulations. You warrant that you will only transmit acceptable items for deposit and have handled the original items in accordance with applicable laws, rules and regulations. Mobile Check Deposit Unavailability. Mobile Check Deposit may be unavailable temporarily due to system maintenance or technical difficulties, including those of the Internet service provider, cellular service provider and Internet software. In the event that Mobile Check Deposit is unavailable, you may deposit original checks at our branches or by mailing the original check to: Capital Credit Union, XX Xxx 0000, Xxxxx Xxx XX 00000-0000. Funds Availability. For purposes of funds availability, mobile check deposits are processed at the Xxxxxx Corporate Office of Capital Credit Union, 000 Xxxxxx Xxx. Green Bay, WI 54304. Mobile check deposits confirmed as received before 4 PM Central Time on a business day will be credited to your account on the same business day. Xxxxxxxx confirmed received after 4 PM and deposits confirmed received on holidays or days that are not our business days will be credited to your account on the next business day after the deposit is made. A longer delay in crediting your account may take place if Capital deems the delay is warranted (collectability or legitimacy questions, etc.) You will be notified should longer delays apply. Business Days. Our business days are Monday through Friday, except holidays. Mobile Check Deposit Security. You will complete each deposit promptly. If you are unable to complete your deposit promptly, you will ensure that your mobile device remains securely in your possession until the deposit has been completed. It is your responsibility to establish and maintain procedures to safeguard against unauthorized deposits. You will notify us immediately by telephone to (000)000-0000 or (000)000- 0000 with written confirmation if you learn of any loss or theft of original checks. You will ensure the safety and integrity of original checks from the time of receipt until the time of destruction. If warranted in our reasonable judgment, we may audit and monitor you, and you agree to cooperate with us to permit such monitoring, to confirm that you have satisfied your obligations under this Agreement.

Receipt of Deposit. All Images processed for deposit through Mobile Deposit We will be treated as “deposits” under the Account Agreement and this Agreement. When send an email when we receive an Imageimage for deposit to your account. You agree to verify that your deposits have been correctly posted to your account each day and to notify us immediately of any discrepancy. You should electronically store or print a copy of the email confirmation for your records. If you do not receive a confirmation, it may mean that we did not receive your transmission or that there was a problem with some of the information. If check information received by us is not complete and otherwise usable for any reason, we will attempt to confirm receipt via a confirmation email to you if you have elected this option and provided us with your email address when you make may reject the deposit. We shall not be deemed to have received , notwithstanding any confirmation by us of its receipt, and charge the Image for deposit until we have confirmed receipt. Confirmation does not mean that the Image contains no errors. Notwithstanding the fact that we have accepted a Mobile Deposit for processing, amount back against any provisional credit made to your Mobile Deposit Account shall be provisional, and you shall remain liable to us for any errors, inaccuracies, breach of warranties, and any other loss sustained by, or claim made against us. We shall have no liability to you for the rejection of a Mobile Deposit or the Images or other information contained therein or for our failure to notify you of such rejection. We are not responsible for any Image that we do not receiveaccount. Following receipt, we may process the Image image by preparing a paper “substitute check” or clearing the item as an Imageelectronically. We reserve may refuse any check for deposit, with or without cause, or may elect to take a check on a collection basis only. Please see your account agreement for other terms related to deposits. • Your Responsibility. You are responsible if you, intentionally or unintentionally, submit incorrect, duplicate or illegible images to us or if the rightService is used by authorized or unauthorized persons to submit fraudulent, in our sole and absolute discretionunauthorized, inaccurate, incorrect or otherwise improper or unusable images to reject any Image for remote deposit into your Mobile Deposit Accountus. We will notify you of rejected Images by phone, email or other means. Retention of • Original Checks. After you receive confirmation that we have successfully received an Imageimage, we recommend you must securely store the Item original check for five (5) calendar days from the date of Image transmission. Upon our request from not more than 14 days, at which time to time, you will deliver to us the requested Check in your possession. If not provided in a timely manner, such amount will be reversed from your Mobile Deposit Account. Promptly after such period expires, you must thoroughly destroy the Check it (e.g., by first marking it “VOID” and then destroying cutting it by cross-cut shredding into small pieces). At our request, you must provide us with the original check (if it is still in your possession) or another commercially acceptable means of destructiona legible copy within five business days. After destruction of a CheckIf you fail to do so, we may reverse the Image will be the sole evidence of the Check. We recommend destroying each Item of which you have transmitted an Image after 14 daysamount from your account. You agree that you will never negotiate, deliver, transfer, present, or deposit the Check original check (or present the Check to us or anyone else for paymenta copy) once it is processed by us. You understand that you are responsible agree to indemnify and hold us harmless if anyone is asked to make a payment based on a Check an original check that has already been paidpaid (or any copy or other reproduction of that check).

Receipt of Deposit. All Images images processed for deposit through Mobile Deposit RDC will be treated as “deposits” under the your current Membership and Account Agreement with us and this will be subject to all terms of the Membership and Account Agreement. When we receive an Imageimage, we will attempt to confirm receipt via a confirmation email e-mail to you if you have elected this option and provided us with your email address when you make the deposityou. We shall not be deemed to have received the Image image for deposit until we have confirmed receiptreceipt to you. Confirmation does not mean that the Image image contains no errors. Notwithstanding the fact that we have accepted a Mobile Deposit for processing, any credit made to your Mobile Deposit Account shall be provisional, and you shall remain liable to us for any errors, inaccuracies, breach of warranties, and any other loss sustained by, or claim made against us. We shall have no liability to you for the rejection of a Mobile Deposit or the Images or other information contained therein or for our failure to notify you of such rejection. We are not responsible for any Image image that we do not receive. Following receipt, we may process the Image by preparing a “substitute check” or clearing the item as an Image. We reserve the right, in at our sole and absolute discretion, to reject any Image image for remote deposit into your Mobile Deposit Accountaccount. We will notify you of rejected Images by phone, email or other meansimages. Retention of Checks. Original Checks After you receive confirmation that we have received an Imageimage, we recommend you must securely store the Item original check for five (5) 60 calendar days from after transmission to us and make the date of Image transmissionoriginal check accessible to us at our request. Upon our request from time to time, you will deliver to us within 10 calendar days, at your expense, the requested Check original check in your possession. If not provided in a timely manner, such amount will be reversed from your Mobile Deposit Accountaccount. Promptly after such period expires, you must destroy the Check original check by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of a Checkan original check, the Image image will be the sole evidence of the Check. We recommend destroying each Item of which you have transmitted an Image after 14 daysoriginal check. You agree that you will never deposit the Check or re-present the Check to us or anyone else for paymentoriginal check. You understand that you are responsible if anyone is asked to make a payment based on a Check you represent an original check that has already been paid. Business Day and Availability Disclosure Our business days are Monday through Friday, except holidays. Any deposits received after 4:00 p.m. Eastern Standard Time on Monday through Friday will be processed the next business day. Digital images received after 4:00 p.m. Eastern Standard Time on Friday, all day Saturday and Sunday are processed on Monday. Limits We may establish limits on the dollar amount and/or number of items or deposits from time to time. If you attempt to initiate a deposit in excess of these limits, we may reject your deposit. If we permit you to make a deposit in excess of these limits, such deposit will still be subject to the terms of this Agreement, and we will not be obligated to allow such a deposit at other times. Transactions Limitations of the Service  One check may be deposited at a time using the Service.  A maximum of $10,000 per check applies to the Service.  The total check amount per day is $10,000. Unacceptable Checks for Deposit Using the Service  Third-party checks.  Checks written for over $10,000.  Checks with qualified or conditional endorsements (for example: “Payable to Maine Solutions Federal Credit Union without recourse”).  Checks payable to more than one individual where all parties are not signers on the account may not be deposited using the service (this includes government checks).  Any item stamped “non-negotiable”.  Bonds.  Any item issued by a financial institution in a foreign country or in foreign currency.  Any item that is “stale dated” or “post-dated”  Any item that is incomplete.  Any item that contains evidence of alternation to the information on the Check. Returned Deposits Any credit to your account for checks deposited using RDC is provisional. If original checks deposited through RDC are dishonored, rejected or otherwise returned unpaid by the drawee bank, or are rejected or returned by a clearing agent or collecting bank, for any reason, including, but not limited to, issues relating to the quality of the image, you agree that an original check will not be returned to you, but that we may charge back the amount of the original check and provide you with an image of the original check, a paper reproduction of the original check or a substitute check. You will reimburse us for all loss, cost, damage or expense caused by or relating to the processing of the returned item. Without our approval, you shall not attempt to deposit or otherwise negotiate an original check if it has been charged back to you. We may debit any of your accounts to obtain payment for any item that has been rejected or returned, for any adjustment related to such item or for any warranty claim related to such item, whether or not the rejection, return, adjustment or warranty claim was made timely. Your Warranties You make the following warranties and representations with respect to each image:  Each image is a true and accurate rendition of the front and back of the original check, without any alteration, and the drawer of the check has no defense against payment of the check.  The amount, payee(s), signature(s), and endorsement(s) on the image and on the original check are legible, genuine, and accurate.  You will not deposit or otherwise endorse to a third party the original check and no person will receive a transfer, presentment, return of, or otherwise be charged for, the original check or a paper or electronic representation of the original check such that the person will be asked to make payment based on an item that has already been paid.  There are no other duplicate images of the original check.  The original check was authorized by the drawer in the amount stated on the original check and to the payee(s) stated on the original check.  You are authorized to enforce and obtain payment of the original check.  You have possession of the original check and no party will submit the original check for payment. With respect to each image, you make to us all representations and warranties that we make or are deemed to make to any party pursuant to law, regulation or clearinghouse rule. You agree that files and images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on our network, data, or related systems. Compliance with Law You will use RDC for lawful purposes and in compliance with all applicable laws, rules and regulations. You warrant that you will only transmit acceptable items for deposit and have handled the original items in accordance with applicable laws, rules and regulations. Mobile Remote Deposit Capture Unavailability RDC may be unavailable temporarily due to system maintenance or technical difficulties, including those of the Internet service provider, cellular service provider and Internet software. In the event that RDC is unavailable, you may deposit original checks at our branches, through our enabled ATMs, or through participating Shared Branching locations. Funds Availability For purposes of funds availability, deposits made through RDC are considered deposited at an ATM of this financial institution. Xxxxxxxx confirmed as received before close of business on a business day will be credited to your account within 24 hours of receipt. Xxxxxxxx confirmed received after close of business, and deposits confirmed received on holidays or days that are not business days will be credited to your account within 24 hours of the following business day. Funds will be available as described in our Funds Availability Disclosure.

Receipt of Deposit. All Electronic Images shall be deemed received by us for deposit based upon time of receipt as well as successful receipt of Electronic Images that are complete, usable, and adhere to the standards discussed above. If any Electronic Image is not complete, is not usable, or does not adhere to the Standards, the Electronic Image may not be processed by us, in which event your deposit will be adjusted and notification provided. You understand we will process only your Electronic Images that comply with the standards discussed above and are Sufficient Image Copies, and we will use commercially reasonable efforts to present these Sufficient Image Copies for collection under the Check 21 framework. The daily cut-off time for Mobile Deposit Services deposits is 5:00 p.m. CST. Such daily cut-off times may be adjusted by R Bank in its sole discretion from time to time upon notice to you. If the deposits are not received by the end-of-day cutoff time, R Bank will not guarantee that deposits will be processed that day. R Bank may accept these deposits and they will be processed on R Bank’s next Business Day. R Bank shall give provisional credit for deposits subject to revocation of credit for deposits as provided in Regulation CC and the Uniform Commercial Code. The availability of funds for deposits via the Services is set forth in this Agreement. In general all images processed for deposit through Mobile Deposit Services will be treated as “deposits” under your current Account Agreement with us and will be subject to all terms of the Account Agreement and this Agreement. When Any confirmation from us that we receive an Image, we will attempt to confirm receipt via a confirmation email to you if you have elected this option and provided us with your email address when you make the deposit. We shall not be deemed to have received the Image for deposit until we have confirmed receipt. Confirmation image does not mean that the Image image contains no errors. Notwithstanding the fact that we have accepted a Mobile Deposit for processing, any credit made to your Mobile Deposit Account shall be provisional, and you shall remain liable to us for any errors, inaccuracies, breach of warranties, and any other loss sustained by, or claim made against us. We shall have no liability to you for the rejection of a Mobile Deposit or the Images or other information contained therein or for our failure to notify you of such rejection. We are not responsible for any Image image that we do not receive. We reserve the right to reject any item transmitted through the Services, at our discretion, without liability to you. We will notify you of rejected images via email. We are not responsible for items we do not receive or for images that are dropped during transmission. We further reserve the right to charge back to your account at any time, any item that we subsequently determine was not an eligible item. You agree that the Bank is not liable for any loss, costs, or fees you may incur as a result of our chargeback of an ineligible item. Following receipt, we may process the Image image by preparing a “substitute check” or clearing the item as an Image. We reserve the right, in our sole and absolute discretion, to reject any Image for remote deposit into your Mobile Deposit Account. We will notify you of rejected Images by phone, email or other meansimage. Retention of Checksand Security Of Original checks. After you receive confirmation that we have received an Imageimage, we recommend you must securely store the Item original check for five (5) 30 calendar days from after transmission to us and make the date of Image transmissionoriginal check accessible to us at our request. Upon our request from time to time, you will deliver to us within 3 calendar days, at your expense, the requested Check original check in your possession. If not provided in a timely manner, such amount will be reversed from your Mobile Deposit Accountaccount. Promptly after such period expires, you must destroy the Check original check by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destructiondestruction that renders the original check unusable or otherwise unreadable. After destruction of a Checkan original check, the Image image will be the sole evidence of the Check. We recommend destroying each Item of which you have transmitted an Image after 14 daysoriginal check. You agree that you will never deposit the Check or re-present the Check to us or anyone else for paymentoriginal check. You understand that you are responsible if anyone is asked to make a payment based on a Check an original check that has already been paid. Returned Deposits. Any credit to your account for checks deposited using Mobile Deposit is provisional. If original checks deposited through Mobile Deposit Services are dishonored, rejected or otherwise returned unpaid by the drawee bank, or are rejected or returned by a clearing agent or collecting bank, for any reason, including, but not limited to, issues relating to the quality of the image, you agree that an original check will not be returned to you, but that we may charge back the amount of the original check and provide you with an image of the original check, a paper reproduction of the original check or a substitute check. You will reimburse us for all loss, cost, damage or expense caused by or relating to the processing of the returned item. Without our approval, you shall not attempt to deposit or otherwise negotiate an original check if it has been charged back to you. We may debit any of your accounts to obtain payment for any item that has been rejected or returned, for any adjustment related to such item or for any warranty claim related to such item, whether or not the rejection, return, adjustment or warranty claim was made timely. User Warranties. You make the following warranties and representations with respect to each image: • You will only transmit eligible items. • You will not re-deposit or re-present the original item. • You will comply with this Agreement and all applicable rules, laws, and regulations. • You are not aware of any factor which may impair the collectability of the item. • You agree to indemnify and hold harmless R Bank from any loss for breach of this warranty provision. • Each image is a true and accurate rendition of the front and back of the original check, without any alteration, and the drawer of the check has no defense against payment of the check. • The amount, payee(s), signature(s), and endorsement(s) on the image and on the original check are legible, genuine, and accurate. • You will not deposit or otherwise endorse to a third party the original check and no person will receive a transfer, presentment, or return of, or otherwise be charged for, the original check or a paper or electronic representation of the original check such that the person will be asked to make payment based on an item that has already been paid. • There are no other duplicate images of the original check. • The original check was authorized by the drawer in the amount stated on the original check and to the payee(s) stated on the original check. • You are authorized to enforce and obtain payment of the original check. • You have possession of the original check and no party will submit the original check for payment. With respect to each image, you make to us all representations and warranties that we make or are deemed to make to any party pursuant to law, regulation or clearinghouse rule. You agree that files and images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on our network, data, or related systems. Compliance with Law. You will use Mobile Deposit for lawful purposes and in compliance with all applicable laws, rules and regulations. You warrant that you will only transmit acceptable items for deposit and have handled the original items in accordance with applicable laws, rules and regulations, including the sanctions laws administered by OFAC and the Bank Secrecy Act.

Receipt of Deposit. All Images images processed for deposit through Mobile Remote Deposit will be treated as “deposits” under your current Account Agreement with us and will be subject to all terms of the Account Agreement and this Agreement. When we receive an Imageimage, we will attempt to confirm receipt via a confirmation email to you if you have elected this option and provided us with your email address when you make the deposityou. We shall not be deemed to have received the Image image for deposit until we have confirmed receiptreceipt to you. Confirmation does not mean that the Image image contains no errors. Notwithstanding the fact that we have accepted a Mobile Deposit for processing, any credit made to your Mobile Deposit Account shall be provisional, and you shall remain liable to us for any errors, inaccuracies, breach of warranties, and any other loss sustained by, or claim made against us. We shall have no liability to you for the rejection of a Mobile Deposit or the Images or other information contained therein or for our failure to notify you of such rejection. We are not responsible for any Image image that we do not receive. Following receipt, we may process the Image image by preparing a “substitute check” or clearing the item as an Imageimage. We reserve the right, in at our sole and absolute discretion, to reject any Image image for remote deposit into your Mobile Deposit Accountaccount. We will notify you of rejected Images by phoneimages. Storage, email or other means. Retention security and destruction/disposal of Checks. the original check: After you receive confirmation that we have received an Imageimage, we recommend you securely store the Item original check for five sixty (560) calendar days from after transmission to us and make the date of Image transmissionoriginal check accessible to us at our request. Upon our request from time to time, you will deliver to us within two (2) business days, at your expense, the requested Check original check in your possession. If not provided in a timely manner, such amount will be reversed from your Mobile Deposit Accountaccount. Promptly after such the sixty (60) retention period expires, you must destroy the Check original check by first marking it “"VOID” " and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of a Checkthe original check, the Image image will be the sole evidence of the Check. We recommend destroying each Item of which you have transmitted an Image after 14 daysoriginal check. You agree that you will never deposit the Check or re-present the Check to us or anyone else for paymentoriginal check. You understand that you are responsible if anyone is asked to make a payment based on a Check an original check that has already been paid.

Receipt of Deposit. All Images images processed for deposit through Mobile Deposit the Service will be treated as “deposits” under the your current Consumer Membership Account Agreement with us and this Agreementwill be subject to all terms therein. When we you submit an image, you may elect to receive an Imagee-mail, we will attempt to confirm receipt via containing a confirmation email to you if you have elected this option and provided us with your email address when you make number, indicating the depositdeposit has been sent for processing. We shall not be deemed to have received the Image for deposit until we have confirmed receipt. Confirmation The confirmation number does not mean that the Image image contains no errors. Notwithstanding the fact errors or that we have accepted a Mobile Deposit for processing, any credit made to your Mobile Deposit Account shall be provisional, and you shall remain liable to us for any errors, inaccuracies, breach of warranties, and any other loss sustained by, or claim made against us. We shall have no liability to you for received the rejection of a Mobile Deposit or the Images or other information contained therein or for our failure to notify you of such rejectiondeposit. We are not responsible for any Image image that we do not receivereceive or that are dropped during transmission. Following receiptreceipt of your deposit, we may process the Image image by preparing a “substitute check” or clearing the item as an Imageimage. We reserve the right, in at our sole and absolute discretion, to reject any Image image for remote deposit into your Mobile Deposit Accountaccount. We will notify you of rejected Images by phoneimages. A confirmation number is not a representation, email warranty or other meansindication that the check image will be presented for collection or will be honored by any collecting or paying bank. Retention of ChecksIf we reject a check image received through the Service, then you may submit the original check to us by visiting a branch or ATM, or by mail, unless we instruct you otherwise, or you may want to contact the drawer and have them reissue the check. After If you receive confirmation that we have received an Imagedo submit the original check for processing, we recommend reserve the right to refuse to process it and may instead require you securely store to have the Item for five (5) calendar days from check reissued. Email Address. You agree to immediately notify us if you change your email address, as we will send you notification of receipt of remote deposit items. Funds Availability. Funds will be available as described in our Funds Availability Disclosure located at xxxxx://xxx.Xxxxxxxx.xxx/home/about/disclosures. Deposit Limits. We may establish limits on the date dollar amount and/or number of Image transmission. Upon our request items or deposits from time to time, you will deliver to us the requested Check in your possession. If not provided you attempt to initiate a deposit in a timely mannerexcess of these limits, such amount will be reversed from we may reject your Mobile Deposit Accountdeposit. Promptly after such period expires, If we permit you must destroy the Check by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of a Check, the Image will be the sole evidence of the Check. We recommend destroying each Item of which you have transmitted an Image after 14 days. You agree that you will never deposit the Check or present the Check to us or anyone else for payment. You understand that you are responsible if anyone is asked to make a payment based deposit in excess of these limits, such deposit will still be subject to the terms of this Agreement, and we will not be obligated to allow such a deposit at other times. We may change such limits at any time at our discretion. We may impose limits on a Check that has already been paidthe dollar amount or number of deposits you make through the Service and such limits shall be provided to you when you access the Service.

Receipt of Deposit. All Images images processed for deposit through Mobile Check Deposit will be treated as “"deposits” " under the your current Membership and Account Agreement with us and this will be subject to all terms of the Membership and Account Agreement. When we receive an Imageimage, we will attempt to confirm receipt via through a confirmation email to you if you have elected this option and provided us with your email address when you make notification in the depositapp. We shall not be deemed to have received the Image image for deposit until we have confirmed receiptreceipt to you. Confirmation does not mean that the Image image contains no errors. Notwithstanding the fact that we have accepted a Mobile Deposit for processing, any credit made to your Mobile Deposit Account shall be provisional, and you shall remain liable to us for any errors, inaccuracies, breach of warranties, and any other loss sustained by, or claim made against us. We shall have no liability to you for the rejection of a Mobile Deposit or the Images or other information contained therein or for our failure to notify you of such rejection. We are not responsible for any Image image that we do not receive. Following receipt, we may process the Image image by preparing a “"substitute check” " or clearing the item as an Imageimage. We reserve the right, in at our sole and absolute discretion, to reject any Image image for remote mobile check deposit into your Mobile Deposit Accountaccount. We will notify you of rejected Images by phone, email or other meansimages. Retention of ChecksOriginal checks. After you receive confirmation that we have received an Imageimage, we recommend you must securely store the Item original check for five (5) calendar 60 days from after transmission to us and make the date of Image transmissionoriginal check accessible to us at our request. Upon our request from time to time, you will deliver to us within 5 days, at your expense, the requested Check original check in your possession. If not provided in a timely manner, such amount will be reversed from your Mobile Deposit Accountaccount. Promptly after such period expires, you must destroy the Check original check by first marking it “"VOID” " and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of a Checkan original check, the Image image will be the sole evidence of the Check. We recommend destroying each Item of which you have transmitted an Image after 14 daysoriginal check. You agree that you will never deposit re-present the Check original check, or present a second image of the Check to us or anyone else for paymentoriginal check. You understand that you are responsible if anyone is asked to make a payment based on a Check an original check that has already been paid. Returned Deposits. Any credit to your account for checks deposited using Mobile Check Deposit is provisional. If original checks deposited through Mobile Check Deposit are dishonored, rejected or otherwise returned unpaid by the drawee bank, or are rejected or returned by a clearing agent or collecting bank, for any reason, including, but not limited to, issues relating to the quality of the image, you agree that an original check will not be returned to you, but that we may charge back the amount of the original check and provide you with an image of the original check, a paper reproduction of the original check or a substitute check. You will reimburse us for all loss, cost, damage or expense caused by or relating to the processing of the returned item. Without our approval, you shall not attempt to deposit or otherwise negotiate an original check if it has been charged back to you. We may debit any of your accounts to obtain payment for any item that has been rejected or returned, for any adjustment related to such item or for any warranty claim related to such item, whether or not the rejection, return, adjustment or warranty claim was made timely. Your Warranties. You make the following warranties and representations with respect to each image: • Each image is a true and accurate rendition of the front and back of the original check, without any alteration, and the drawer of the check has no defense against payment of the check. • The amount, payee(s), signature(s), and endorsement(s) on the image and on the original check are legible, genuine, and accurate. • You are not in knowledge of the fact that a stop payment exists against the check. • You will not deposit or otherwise endorse to a third party the original check and no person will receive a transfer, presentment, or return of, or otherwise be charged for, the original check or a paper or electronic representation of the original check such that the person will be asked to make payment based on an item that has already been paid. • There are no other duplicate images of the original check. • The original check was authorized by the drawer in the amount stated on the original check and to the payee(s) stated on the original check. • You are authorized to enforce and obtain payment of the original check. • You have possession of the original check and no party will submit theoriginal check for payment. With respect to each image, you make to us all representations and warranties that we make or are deemed to make to any party pursuant to law, regulation or clearinghouse rule. You agree that files and images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on our network, data, or related systems. Compliance with Law. You will use Mobile Check Deposit for lawful purposes and in compliance with all applicable laws, rules and regulations. You warrant that you will only transmit acceptable items for deposit and have handled the original items in accordance with applicable laws, rules and regulations. Mobile Check Deposit Unavailability. Mobile Check Deposit may be unavailable temporarily due to system maintenance or technical difficulties, including those of the Internet service provider, cellular service provider and Internet software. In the event that Mobile Check Deposit is unavailable, you may deposit original checks at our branches or by mailing the original check to: Capital Credit Union, XX Xxx 0000, Xxxxx Xxx XX 00000-0000. Funds Availability. For purposes of funds availability, mobile check deposits are processed at the Xxxxxx Corporate Office of Capital Credit Union, 000 Xxxxxx Xxx. Green Bay, WI 54304. Mobile check deposits confirmed as received before 4 PM Central Time on a business day will be credited to your account on the same business day. Deposits confirmed received after 4 PM and deposits confirmed received on holidays or days that are not our business days will be credited to your account on the next business day after the deposit is made. A longer delay in crediting your account may take place if Capital deems the delay is warranted (collectability or legitimacy questions, etc.) You will be notified should longer delays apply. Business Days. Our business days are Monday through Friday, except holidays. Mobile Check Deposit Security. You will complete each deposit promptly. If you are unable to complete your deposit promptly, you will ensure that your mobile device remains securely in your possession until the deposit has been completed. It is your responsibility to establish and maintain procedures to safeguard against unauthorized deposits. You will notify us immediately by telephone to (000)000-0000 or (000)000- 0000 with written confirmation if you learn of any loss or theft of original checks. You will ensure the safety and integrity of original checks from the time of receipt until the time of destruction. If warranted in our reasonable judgment, we may audit and monitor you, and you agree to cooperate with us to permit such monitoring, to confirm that you have satisfied your obligations under this Agreement.

Receipt of Deposit. All Images images processed for deposit through Mobile Deposit will be treated as “deposits” under your current Account Agreement with us and will be subject to all terms of the Account Agreement and this Agreement. When we receive an Imageimage, we will attempt to confirm receipt via a confirmation email to you if you have elected this option and provided us with your email address when you make the deposityou. We shall not be deemed to have received the Image image for deposit until we have confirmed receiptreceipt to you. Confirmation does not mean that the Image image contains no errors. Notwithstanding the fact that we have accepted a Mobile Deposit for processing, any credit made to your Mobile Deposit Account shall be provisional, and you shall remain liable to us for any errors, inaccuracies, breach of warranties, and any other loss sustained by, or claim made against us. We shall have no liability to you for the rejection of a Mobile Deposit or the Images or other information contained therein or for our failure to notify you of such rejection. We are not responsible for any Image image that we do not receive. Following receipt, we may process the Image image by preparing a “substitute check” or clearing the item as an Imageimage. We reserve the right, in at our sole and absolute discretion, to reject any Image image for remote deposit into your Mobile Deposit Accountaccount. We will notify you of rejected Images by phone, email or other meansimages. Retention of ChecksOriginal checks. After you receive confirmation that we have received an Imageimage, we recommend you must securely store the Item original check for five (5) 60 calendar days from after transmission to us and make the date of Image transmissionoriginal check accessible to us at our request. Upon our request request, from time to time, you will deliver to us us, within 10 calendar days and at your expense, the requested Check original check in your possession. If not provided in a timely manner, such amount will be reversed from your Mobile Deposit Accountaccount. Promptly after such period expires, you must destroy the Check original check by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of a Checkan original check, the Image image will be the sole evidence of the Checkoriginal check. We recommend destroying each Item Destruction of which you have transmitted an Image after 14 daysthe original check is the responsibility of the account holder and Great American Bank cannot be held liable for failure to properly dispose of said item. You agree that you will never deposit the Check or re-present the Check to us or anyone else for paymentoriginal check. You understand that you are responsible if anyone is asked to make a payment based on a Check an original check that has already been paid. Returned Deposits. Any credit to your account for checks deposited using Mobile Deposit is provisional. If original checks deposited through Mobile Deposit are dishonored, rejected or otherwise returned unpaid by the drawee bank, or are rejected or returned by a clearing agent or collecting bank, for any reason, including, but not limited to, issues relating to the quality of the image, you agree that an original check will not be returned to you, but that we may charge back the amount of the original check and provide you with an image of the original check, a paper reproduction of the original check or a substitute check. You will reimburse us for all loss, cost, damage or expense caused by or relating to the processing of the returned item. Without our approval, you shall not attempt to deposit or otherwise negotiate an original check if it has been charged back to you. We may debit any of your accounts to obtain payment for any item that has been rejected or returned, for any adjustment related to such item or for any warranty claim related to such item, whether or not the rejection, return, adjustment or warranty claim was made timely. Your Warranties. You make the following warranties and representations with respect to each image:  Each image is a true and accurate rendition of the front and back of the original check, without any alteration, and the drawer of the check has no defense against payment of the check.  The amount, payee(s), signature(s), and endorsement(s) on the image and on the original check are legible, genuine, and accurate.  You will not deposit or otherwise endorse to a third party the original check and no person will receive a transfer, presentment, or return of, or otherwise be charged for, the original check or a paper or electronic representation of the original check such that the person will be asked to make payment based on an item that has already been paid.  There are no other duplicate images of the original check.  The original check was authorized by the drawer in the amount stated on the original check and to the payee(s) stated on the original check.  You are authorized to enforce and obtain payment of the original check.  You have possession of the original check and no party will submit the original check for payment. With respect to each image, you make to us all representations and warranties that we make or are deemed to make to any party pursuant to law, regulation or clearinghouse rule. You agree that files and images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on our network, data, or related systems. Compliance with Law. You will use Mobile Deposit for lawful purposes and in compliance with all applicable laws, rules and regulations. You warrant that you will only transmit acceptable items for deposit and have handled the original items in accordance with applicable laws, rules and regulations. Mobile Deposit Unavailability. Mobile Deposit may be temporarily unavailable due to system maintenance or technical difficulties, including those of the Internet service provider, cellular service provider and Internet software. In the event that Mobile Deposit is unavailable, you may deposit original checks at our branches or through our deposit accepting ATMs. Funds Availability. For purposes of funds availability, Mobile Deposits are considered deposited at a branch of ATM of this financial institution. Mobile Deposits confirmed as received before close of business (6:00 PM CST) on a business day will be credited to your account within 24 hours of receipt. Deposits confirmed received after close of business, and deposits confirmed received on holidays or days that are not business days will be credited to your account within 24 hours of the following business day. Funds will be available as described in our Funds Availability Disclosure.

Receipt of Deposit. All Images images processed for deposit through Mobile Deposit will be treated as “deposits” under the Membership and Account Agreement and/or the Business Membership and this Account Agreement with us and will be subject to all terms of the Membership and Account Agreement and/or the Business Membership and Account Agreement. When we receive you successfully submit an Imageimage you can check the status of the image within the Mobile App. Status pending means the item is under review, we accepted means the item will attempt to confirm receipt via be processed, and rejected means the item was rejected and a confirmation email to you if you have elected this option and provided us with your email address when you make the depositreason will be provided. We shall not be deemed to have received the Image image for deposit until we have confirmed receiptreceipt through the Mobile App to you. Confirmation does not mean that the Image image contains no errors. Notwithstanding the fact that we have accepted a Mobile Deposit for processing, any credit made to your Mobile Deposit Account shall be provisional, and you shall remain liable to us for any errors, inaccuracies, breach of warranties, and any other loss sustained by, or claim made against us. We shall have no liability to you for the rejection of a Mobile Deposit or the Images or other information contained therein or for our failure to notify you of such rejection. We are not responsible for any Image image that we do not receive. We cannot re-process an image that has been deleted. Following receipt, we may process the Image image by preparing a “substitute check” or clearing the item as an Imageimage. We reserve the right, in at our sole and absolute discretion, to reject any Image image for remote deposit Mobile Deposit into your Mobile Deposit Accountaccount(s). We will notify may email you a notification of your rejected Images by phoneimage(s), providing we have a current email or address for you on file. It is your responsibility to make sure your email and other meanscontact information is current. Retention of Checks. Original checks After you receive confirmation that we have received an Imageimage, we recommend you must securely store the Item original check for five (5) at least 30 calendar days from after transmission to us and make the date of Image transmissionoriginal check accessible to us at our request. Upon our request from time to time, you will deliver to us within 10 calendar days, at your expense, the requested Check original check in your possession. If not provided in a timely manner, such amount will be reversed from your Mobile Deposit Accountaccount. Promptly after such period expires, you must destroy the Check original check by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of a Checkan original check, the Image image will be the sole evidence of the Check. We recommend destroying each Item of which you have transmitted an Image after 14 daysoriginal check. You agree that you will never deposit the Check or re-present the Check to us or anyone else for paymentoriginal check. You understand that you are responsible if anyone is asked to make a payment based on a Check an original check that has already been paid. Returned Deposits Any credit to your account for checks deposited using Mobile Deposit is provisional. If the original check(s) deposited through Mobile Deposit is dishonored, rejected or otherwise returned unpaid by the drawee bank, or is rejected or returned by a clearing agent or collecting bank, for any reason, including, but not limited to, issues relating to the quality of the image, you agree that an original check will not be returned to you, but that we may charge back the amount of the original check and provide you with an image of the original check, a paper reproduction of the original check or a substitute check. You will reimburse us for all loss, cost, damage or expense caused by or relating to the processing of the returned item. Without our approval, you shall not attempt to deposit or otherwise negotiate an original check if it has been charged back to you. In any case of the above mentioned a service fee for the return deposit may be assessed to your account, see the Service Charges and Fees Schedule. We may debit any of your accounts to obtain payment for any item that has been rejected or returned, for any adjustment related to such item or for any warranty claim related to such item, whether or not the rejection, return, adjustment or warranty claim was made timely. Your Warranties You make the following warranties and representations with respect to each image: Each image is a true and accurate rendition of the front and back of the original check, without any alteration, and the drawer of the check has no defense against payment of the check. The amount, payee(s), signature(s), and endorsement(s) on the image and on the original check are legible, genuine, and accurate. You will not deposit or otherwise endorse to a third party the original check and no person will receive a transfer, presentment, or return of, or otherwise be charged for, the original check or a paper or electronic representation of the original check such that the person will be asked to make payment based on an item that has already been paid. There are no other duplicate images of the original check. The original check was authorized by the drawer in the amount stated on the original check and to the payee(s) stated on the original check. You are authorized to enforce and obtain payment of the original check. You have possession of the original check and no party will submit the original check for payment. With respect to each image, you make to us all representations and warranties that we make or are deemed to make to any party pursuant to law, regulation or clearinghouse rule. You agree that files and images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on our network, data, or related systems. Compliance with Law You will use Mobile Deposit for lawful purposes and in compliance with all applicable laws, rules and regulations. You warrant that you will only transmit acceptable items for deposit and have handled the original items in accordance with applicable laws, rules and regulations. Mobile Deposit Unavailability Mobile Deposit may be unavailable temporarily due to system maintenance or technical difficulties, including those of the Internet service provider, cellular service provider and Internet software. In the event that Mobile Deposit is unavailable, you may deposit original checks at our offices. Funds Availability Mobile Deposits confirmed as received before close of business will be credited to your account within two business days with the first $2,000.00 of the daily total deposit available. Xxxxxxxx confirmed received after close of business, on holidays, or days that are not considered business days will be credited to your account within two business days of the following business day. Mobile Deposits on new accounts opened less than 30 days confirmed as received before close of business will be credited to your account within five business days with the first $225.00 of the daily total deposit available. Deposits on new accounts opened less than 30 days confirmed received after close of business, on holidays, or days that are not considered business days will be credited to your account within five business days of the following business day. Some items during processing hours may qualify for automatic posting to your account resulting in funds made available sooner to you. Items that do not qualify for automatic posting can include but are not limited to: check deposit limits, duplicate submissions, non-conforming image, poor image quality, or dollar amount discrepancies. For business accounts on WESTconsin Business Connect Mobile Deposit confirmed as received before close of business will be credited to your account up to $45,000.00 with the deposit amount over $45,000.00 deposited within two business days. Xxxxxxxx confirmed received after close of business day, on holidays or days that are not considered business days will be credited to your account within two business days of the following business day. All accounts may be subjected to extended holds if we deem necessary. Mobile Deposit Security You will complete each deposit promptly. If you are unable to complete your deposit promptly, you will ensure that your mobile device remains securely in your possession until the deposit has been completed. It is your responsibility to establish and maintain procedures to safeguard against unauthorized access to your account or unauthorized deposits. You will notify us immediately by telephone with written confirmation if you learn of any loss or theft of original check(s),or if you suspect unauthorized access. You will ensure the safety and integrity of original checks from the time of receipt until the time of destruction. If warranted in our reasonable judgment, we may audit and monitor you, and you agree to cooperate with us to permit such monitoring, to confirm that you have satisfied your obligations under this Agreement.

Receipt of Deposit. All Images images processed for deposit through HBNA Mobile Deposit will be treated as “deposits” under your current Account Agreement with us and will be subject to all terms of the Account Agreement and this Agreement. When we receive an Imageimage, we will attempt only notify you only if a deposit is rejected. The image is not deemed “received” by us until it is posted to confirm receipt via a confirmation email to you if you have elected this option and provided us with your email address when you make account at the depositend of the business day. We shall not be deemed to have received Acceptance within the Image for deposit until we have confirmed receipt. Confirmation HBNA Mobile Deposit application does not mean that the Image contains no errors. Notwithstanding the fact that we have image is free of errors or will be accepted a Mobile Deposit for processing, any credit made to your Mobile Deposit Account shall be provisional, and you shall remain liable to us for any errors, inaccuracies, breach of warranties, and any other loss sustained by, or claim made against us. We shall have no liability to you for the rejection of a Mobile Deposit or the Images or other information contained therein or for our failure to notify you of such rejectiondeposit. We are not responsible for any Image that image we do not receive. Following receipt, we may process the Image image by preparing a “substitute check” or clearing using the item as an Imageimage to clear the item. We reserve the rightright to reject any deposit made through HBNA Mobile Deposit, which fails to satisfy any of our processing requirements, as determined by us in our sole and absolute discretion, to reject any Image for remote deposit into your Mobile Deposit Account. We will notify you of rejected Images by phone, email images. Reasons for rejection may include any of the following: incomplete or other meansmissing endorsement; illegible check or poor image quality; altered check; or duplicate check. Retention This list is a list of Checksexamples only and is not a list of all of the reasons that an image of a check may be rejected. Original checks. After you receive confirmation that we have received an Imageimage, we recommend you must securely store the Item original check for thirty (30) days after transmission to us and make the original check accessible to us at our request. We may request to view the original check for a variety of reasons, such as we have concerns with the accuracy or validity of the image. Upon our request, and within five (5) calendar days from the date of Image transmission. Upon our request from time to timebusiness days, you will must deliver to us us, at your expense, the requested Check in your possessionoriginal check. If you do not provided provide the original check in a timely manner, such amount the deposit in question will be reversed from your Mobile Deposit Accountaccount. Promptly after such period expiresAt the end of this thirty (30) day period, you must destroy the Check original check by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of a Checkan original check, the Image image will be the sole evidence of the Check. We recommend destroying each Item of which you have transmitted an Image after 14 daysoriginal check. You agree that you will never deposit the Check or re-present the Check to us or anyone else for paymentoriginal check. You understand that you are responsible if anyone the original check is asked to make a payment based on a Check that has already been paidever presented again for payment.

Receipt of Deposit. All Images processed for deposit through Mobile Deposit will be treated as “deposits” under the Account Agreement and this Agreement. When we receive an Image, we will attempt to confirm receipt via a confirmation email to you if you have elected this option and provided us with your email address when you make the deposit. We shall not be deemed to have received the Image for deposit until we have confirmed receipt. Confirmation does not mean that the Image contains no errors. Notwithstanding the fact that we have accepted a Mobile Deposit for processing, any credit made to your Mobile Deposit Account shall be provisional, and you shall remain liable to us for any errors, inaccuracies, breach of warranties, warranties and any other loss sustained by, or claim made against us. We shall have no liability to you for the rejection of a Mobile Deposit or the Images or other information contained therein or for our failure to notify you of such rejection. We are not responsible for any Image that we do not receive. Following receipt, we may process the Image by preparing a “substitute check” or clearing the item as an Image. We reserve the right, in at our sole and absolute discretion, to reject any Image for remote deposit into your Mobile Deposit Account. We will notify you of rejected Images by phone, email or other means. Retention of Checks. After you receive confirmation that we have received an Image, we recommend you must securely store the Item Check for five (5) calendar 3 days from after transmission to us and make the date of Image transmissionCheck accessible to us at our request. We recommend storing up to 14 days. Upon our request from time to time, you will deliver to us within two (2) Business Days, at your expense, the requested Check in your possession. If not provided in a timely manner, such amount will be reversed from your Mobile Deposit Account. Promptly after such period expires, you must destroy the Check by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of a an Check, the Image will be the sole evidence of the Check. We recommend destroying each Item of which you have transmitted an Image after 14 days. You agree that you will never deposit the Check or present the Check to us or anyone else for payment. You understand that you are responsible if anyone is asked to make a payment based on a Check that has already been paid.

Receipt of Deposit. All Images images processed for deposit through Mobile Deposit will be treated as “deposits” under your current Account Agreement with us and will be subject to all terms of the Account Agreement and this Agreement. When we receive an Imageimage, we will attempt to confirm receipt via a confirmation email to you if you have elected this option and provided us with your email address when you make the deposityou. We shall not be deemed to have received the Image image for deposit until we have confirmed receiptreceipt to you. Confirmation does not mean that the Image image contains no errors. Notwithstanding the fact that we have accepted a Mobile Deposit for processing, any credit made to your Mobile Deposit Account shall be provisional, and you shall remain liable to us for any errors, inaccuracies, breach of warranties, and any other loss sustained by, or claim made against us. We shall have no liability to you for the rejection of a Mobile Deposit or the Images or other information contained therein or for our failure to notify you of such rejection. We are not responsible for any Image image that we do not receive. Following receipt, we may process the Image image by preparing a “substitute check” or clearing the item as an Imageimage. We reserve the right, in at our sole and absolute discretion, to reject any Image image for remote deposit into your Mobile Deposit Accountaccount without liability to you or anyone else. We will notify you of rejected Images by phoneimages. VICFCU is not responsible for any image that is altered, email damaged or other meansdropped during transmission. Retention of ChecksOriginal checks. After you receive confirmation that we have received an Imageimage, we recommend you must securely store the Item Original Check for five (5) 60 calendar days from after transmission to us and make the date of Image transmissionOriginal Check accessible to us at our request. Upon our request from time to time, you will deliver to us within 10 calendar days, at your expense, the requested Original Check in your possession. If not provided in a timely manner, such amount will be reversed from your Mobile Deposit Accountaccount. Promptly after such period expires, you must destroy the Original Check by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of a an Original Check, the Image image will be the sole evidence of the Check. We recommend destroying each Item of which you have transmitted an Image after 14 daysoriginal check. You agree that you will never deposit the Check or re-present the Check to us or anyone else for paymentOriginal Check. You understand that you are responsible if anyone is asked to make a payment based on a an Original Check that has already been paid. Returned Deposits. Any credit to your account for checks deposited using Mobile Deposit is provisional. If Original Checks deposited through Mobile Deposit are dishonored, rejected or otherwise returned unpaid by the drawee bank, or are rejected or returned by a clearing agent or collecting bank, for any reason, including, but not limited to, issues relating to the quality of the image, you agree that an Original Check will not be returned to you, but that we may charge back the amount of the Original Check and provide you with an image of the Original Check, a paper reproduction of the Original Check or a substitute check. You will reimburse us for all loss, cost, damage or expense caused by or relating to the processing of the returned item. Without our approval, you shall not attempt to deposit or otherwise negotiate an original check if it has been charged back to you. We may debit any of your accounts to obtain payment for any item that has been rejected or returned, for any adjustment related to such item or for any warranty claim related to such item, whether or not the rejection, return, adjustment or warranty claim was made timely.

Receipt of Deposit. All Images processed for deposit We reserve the right to reject any item transmitted through Mobile Deposit will be treated as “deposits” under the Account Agreement and this Agreement. When we receive an ImageServices, we will attempt to confirm receipt via a confirmation email to you if you have elected this option and provided us with your email address when you make the deposit. We shall not be deemed to have received the Image for deposit until we have confirmed receipt. Confirmation does not mean that the Image contains no errors. Notwithstanding the fact that we have accepted a Mobile Deposit for processingat our discretion, any credit made to your Mobile Deposit Account shall be provisional, and you shall remain liable to us for any errors, inaccuracies, breach of warranties, and any other loss sustained by, or claim made against us. We shall have no without liability to you for the rejection of a Mobile Deposit or the Images or other information contained therein or for our failure to notify you of such rejectionus. We are not responsible for any Image that items we do not receivereceive or for images that are dropped during transmission. Following receipt, we may process the Image by preparing a “substitute check” or clearing the An image of an item as an Image. We reserve the right, in our sole and absolute discretion, to reject any Image for remote deposit into your Mobile Deposit Account. We will notify you of rejected Images by phone, email or other means. Retention of Checks. After shall be deemed received when you receive a confirmation from the Credit Union that we have received the image. Receipt of such confirmation does not mean that the transmission was error free, complete or will be considered a deposit and credited to your account. We further reserve the right to charge back to your account at any time, any item that we subsequently determine was not an Imageeligible item. You agree that we are not liable for any loss, costs, or fees you may incur as a result of our charge back of an ineligible item. AVAILABILITY OF FUNDS: You agree that items transmitted using Remote Deposit are not subject to the funds availability requirements of Federal Reserve Board Regulation CC. You understand that for the purpose of deposit using this service, the place of deposit is Erie, PA. In general, if an image of an item you transmit is received and accepted before 4 PM EST, Monday through Friday, we recommend you securely store will consider that the Item for five (5) calendar day of deposit. Otherwise, we will consider the deposit was made on the next business day that we are open. Generally, funds will be made available in three business days from the date of Image transmissiondeposit. Upon our request from time The Credit Union may make such funds available sooner based on such factors as creditworthiness, length and extent of relationship with us and such factors the Credit Union, in its sole discretion, deems relevant. CHECK RETENTION: Once the check has been credited to time, you will deliver to us the requested Check in your possession. If not provided in a timely manner, such amount will be reversed from your Mobile Deposit Account. Promptly after such period expiresaccount, you must securely store the check for (30) thirty calendar days. After (30) thirty days, you agree to destroy the Check check that you transmitted by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of a Check, the Image will be the sole evidence disposing of the Check. We recommend destroying each Item of which you have transmitted an Image after 14 days. You agree item(s) in a way that you will never deposit the Check or present the Check to us or anyone else prevent them from being represented for payment. You understand From time to time we may request that you are responsible if anyone is asked provide us the original check. You must make the original check available to make a payment based on a Check that has already been paid.us, at your expense, within

Receipt of Deposit. All Images images processed for deposit through Mobile Deposit will be treated as “"deposits” " under your current Account Agreement with us and will be subject to all terms of the Account Agreement and this Agreement, unless otherwise stated herein. When we receive an Imageimage, if notification option is selected, we will attempt to can confirm receipt via a confirmation email to you if you have elected this option and provided us with your email address when you make the at time of deposit. We shall not be deemed to have received the Image image for deposit until we have confirmed receiptreceipt to you. Confirmation does not mean that the Image image contains no zero errors. Notwithstanding the fact that we have accepted a Mobile Deposit for processing, any credit made to your Mobile Deposit Account shall be provisional, and you shall remain liable to us for any errors, inaccuracies, breach of warranties, and any other loss sustained by, or claim made against us. We shall have no liability to you for the rejection of a Mobile Deposit or the Images or other information contained therein or for our failure to notify you of such rejection. We are not responsible for any Image image that we do not receive. Following receipt, we may process the Image image by preparing a “"substitute check” " or clearing the item as an Imageimage. We reserve the right, in at our sole and absolute discretion, to reject any Image image for remote deposit into your Mobile Deposit Accountaccount. We will notify you of rejected Images by phone, email or other meansimages. Retention of Checks. Original checks: After you receive confirmation that we have received an Imageimage, we recommend you must securely store the Item original check for five (5) 60 calendar days from after such confirmation and make the date of Image transmissionoriginal check accessible to us at our request. Upon our During these 60 days, we may request from time to time, and you will deliver to us us, within 10 calendar days, at your expense, the requested Check original check in your possession. If not provided in a timely manner, such amount will be reversed from your Mobile Deposit Accountaccount. Promptly after such period expiresthe 60 days expire, you must destroy the Check original check by first marking it “"VOID” " and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of a Checkan original check, the Image image will be the sole evidence of the Check. We recommend destroying each Item of which you have transmitted an Image after 14 daysoriginal check. You agree that you will never deposit the Check or re-present the Check to us or anyone else for paymentoriginal check. You understand that you are responsible if anyone is asked to make a payment based on a Check an original check that has already been paid.

Receipt of Deposit. All Images images processed for deposit through Mobile Deposit will be treated as “"deposits” " under your current Deposit Account Agreement with us and will be subject to all terms of the Deposit Account Agreement and this any amendments to such Agreement. To be eligible for processing on the day transmitted, Mobile Deposits must be received and accepted by Bank on or before 5:00 p.m. Central Time on a Business Day. Other cutoff times may be established by Bank from time to time (the “Cutoff Time”). A Mobile Deposit that is received after 5:00 p.m. Central Time on a Business Day shall be deemed to have been received on the following Business Day. Cutoff time information is available at xxxxx://xxxxxxxxxxxxxx.xxx or by calling the Bank as set forth in Section 10.06. When we receive an Imageimage, we will attempt to confirm receipt that you have submitted the image via a message displayed on your Mobile Device. Your submission confirmation email to you if you have elected this option and provided us with your email address when you make the deposit. We shall not be deemed to have received the Image for deposit until we have confirmed receipt. Confirmation does not mean that the Image image contains no errorserrors or that it has been approved for crediting. Notwithstanding A status of "pending" does not indicate that the fact submitted item has been accepted. You will not receive a subsequent notification that we have accepted a submitted image has been credited to your Account. You agree that Bank has no obligation to accept a Mobile Deposit for processingand, therefore, we reserve the right to reject any credit made to your Mobile Deposit Account shall be provisional, and you shall remain liable to us for any errors, inaccuracies, breach of warranties, and any other loss sustained by, or claim made against us. We shall have no liability to you for the rejection of a Mobile Deposit or the Images or other information contained therein or transmitted through this Service, at our discretion, without liability to you. If your submission is rejected, you will receive e-mail of such rejection from the Bank. It is your responsibility to check notifications from the Bank for our failure any rejected submissions and contact the Bank to notify you of address the reason for such rejection. We are not responsible You acknowledge and agree that Bank shall have no liability to you for any Image that we do not receive. Following receipt, we may process the Image by preparing a “substitute check” or clearing the item as an Image. We reserve the right, in our sole and absolute discretion, failing to reject any Image for remote deposit into your Mobile Deposit Account. We will notify you provide notice of rejected Images by phone, email or other means. Retention of Checks. After you receive confirmation that we have received an Image, we recommend you securely store the Item for five (5) calendar days from the date of Image transmission. Upon our request from time to time, you will deliver to us the requested Check in your possession. If not provided in a timely manner, such amount will be reversed from your Mobile Deposit Account. Promptly after such period expires, you must destroy the Check by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction rejection of a Check, the Image will be the sole evidence of the Check. We recommend destroying each Item of which you have transmitted an Image after 14 daysMobile Deposit. You agree that you will never deposit shall be solely liable for, and Bank shall not have any liability whatsoever to you for, any Mobile Deposit or the Check Images or present the Check to us or anyone else for paymentother information contained therein that are not received by Bank. You understand also agree to be liable for Mobile Deposits or the Images or other information contained therein that you are responsible if anyone is asked to make a payment based on a Check that has already been paidintercepted or altered by an unauthorized third party or dropped during transmission.

Receipt of Deposit. All Images images processed for deposit through Mobile Deposit RDC will be treated as “deposits” under the your current Membership and Account Agreement with us and this will be subject to all terms of the Membership and Account Agreement. When we receive an Imageimage, we will attempt to confirm receipt via a confirmation email e-mail to you if you have elected this option and provided us with your email address when you make the deposityou. We shall not be deemed to have received the Image image for deposit until we have confirmed receiptreceipt to you. Confirmation does not mean that the Image image contains no errors. Notwithstanding the fact that we have accepted a Mobile Deposit for processing, any credit made to your Mobile Deposit Account shall be provisional, and you shall remain liable to us for any errors, inaccuracies, breach of warranties, and any other loss sustained by, or claim made against us. We shall have no liability to you for the rejection of a Mobile Deposit or the Images or other information contained therein or for our failure to notify you of such rejection. We are not responsible for any Image image that we do not receive. Following receipt, we may process the Image image by preparing a “substitute check” or clearing the item as an Imageimage. We reserve the right, in at our sole and absolute discretion, to reject any Image image for remote deposit into your Mobile Deposit Accountaccount. We will notify you of rejected Images by phone, email or other meansimages. Retention of Checks. Original Checks After you receive confirmation that we have received an Imageimage, we recommend you must securely store the Item original check for five (5) 60 calendar days from after transmission to us and make the date of Image transmissionoriginal check accessible to us at our request. Upon our request from time to time, you will deliver to us within 10 calendar days, at your expense, the requested Check original check in your possession. If not provided in a timely manner, such amount will be reversed from your Mobile Deposit Accountaccount. Promptly after such period expires, you must destroy the Check original check by first marking it “VOID” and then destroying it by cross-cross- cut shredding or another commercially acceptable means of destruction. After destruction of a Checkan original check, the Image image will be the sole evidence of the Check. We recommend destroying each Item of which you have transmitted an Image after 14 daysoriginal check. You agree that you will never deposit the Check or re-present the Check to us or anyone else for paymentoriginal check. You understand that you are responsible if anyone is asked to make a payment based on a Check you re- present an original check that has already been paid. Returned Deposits Any credit to your account for checks deposited using RDC is provisional. If original checks deposited through RDC are dishonored, rejected or otherwise returned unpaid by the drawee bank, or are rejected or returned by a clearing agent or collecting bank, for any reason, including, but not limited to, issues relating to the quality of the image, you agree that an original check will not be returned to you, but that we may charge back the amount of the original check and provide you with an image of the original check, a paper reproduction of the original check or a substitute check. You will reimburse us for all loss, cost, damage or expense caused by or relating to the processing of the returned item. Without our approval, you shall not attempt to deposit or otherwise negotiate an original check if it has been charged back to you. We may debit any of your accounts to obtain payment for any item that has been rejected or returned, for any adjustment related to such item or for any warranty claim related to such item, whether or not the rejection, return, adjustment or warranty claim was made timely. Your Warranties You make the following warranties and representations with respect to each image:  Each image is a true and accurate rendition of the front and back of the original check, without any alteration, and the drawer of the check has no defense against payment of the check.  The amount, payee(s), signature(s), and endorsement(s) on the image and on the original check are legible, genuine, and accurate.  You will not deposit or otherwise endorse to a third party the original check and no person will receive a transfer, presentment, return of, or otherwise be charged for, the original check or a paper or electronic representation of the original check such that the person will be asked to make payment based on an item that has already been paid.  There are no other duplicate images of the original check.  The original check was authorized by the drawer in the amount stated on the original check and to the payee(s) stated on the original check.  You are authorized to enforce and obtain payment of the original check.  You have possession of the original check and no party will submit the original check for payment. With respect to each image, you make to us all representations and warranties that we make or are deemed to make to any party pursuant to law, regulation or clearinghouse rule. You agree that files and images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on our network, data, or related systems. Compliance with Law You will use RDC for lawful purposes and in compliance with all applicable laws, rules and regulations. You warrant that you will only transmit acceptable items for deposit and have handled the original items in accordance with applicable laws, rules and regulations. Mobile Remote Deposit Capture Unavailability RDC may be unavailable temporarily due to system maintenance or technical difficulties, including those of the Internet service provider, cellular service provider and Internet software. In the event that RDC is unavailable, you may deposit original checks at our branches, through our enabled ATMs, or through participating Shared Branching locations. Funds Availability For purposes of funds availability, deposits made through RDC are considered deposited at an ATM of this financial institution. Deposits confirmed as received before close of business on a business day will be credited to your account within 24 hours of receipt. Deposits confirmed received after close of business, and deposits confirmed received on holidays or days that are not business days will be credited to your account within 24 hours of the following business day. Funds will be available as described in our Funds Availability Disclosure.

Receipt of Deposit. All Images images processed for deposit through Mobile Deposit will be treated as “deposits” under your current Account Agreement with us and will be subject to all terms of the Account Agreement and this Agreement. When we receive an Imageimage, we will attempt to confirm receipt via a confirmation email to you if you have elected this option and provided us with your email address when you make the deposityou. We shall not be deemed to have received the Image image for deposit until we have confirmed receiptreceipt to you. Confirmation does not mean that the Image image contains no errors. Notwithstanding the fact that we have accepted a Mobile Deposit for processing, any credit made to your Mobile Deposit Account shall be provisional, and you shall remain liable to us for any errors, inaccuracies, breach of warranties, and any other loss sustained by, or claim made against us. We shall have no liability to you for the rejection of a Mobile Deposit or the Images or other information contained therein or for our failure to notify you of such rejection. We are not responsible for any Image image that we do not receive. Following receipt, we may process the Image image by preparing a “substitute check” or clearing the item as an Imageimage. We reserve the right, in at our sole and absolute discretion, to reject any Image image for remote deposit into your Mobile Deposit Accountaccount. We will notify you of rejected Images by phone, email or other meansimages. Retention of ChecksOriginal checks. After you receive confirmation that we have received an Imageimage, we recommend you must securely store the Item original check for five (5) 60 calendar days from after transmission to us and make the date of Image transmissionoriginal check accessible to us at our request. Upon our request request, from time to time, you will deliver to us us, within 10 calendar days and at your expense, the requested Check original check in your possession. If not provided in a timely manner, such amount will be reversed from your Mobile Deposit Accountaccount. Promptly after such period expires, you must destroy the Check original check by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of a Checkan original check, the Image image will be the sole evidence of the Checkoriginal check. We recommend destroying each Item Destruction of which you have transmitted an Image after 14 daysthe original check is the responsibility of the account holder and Great American Bank cannot be held liable for failure to properly dispose of said item. You agree that you will never deposit the Check or re-present the Check to us or anyone else for paymentoriginal check. You understand that you are responsible if anyone is asked to make a payment based on a Check an original check that has already been paid. Returned Deposits. Any credit to your account for checks deposited using Mobile Deposit is provisional. If original checks deposited through Mobile Deposit are dishonored, rejected or otherwise returned unpaid by the drawee bank, or are rejected or returned by a clearing agent or collecting bank, for any reason, including, but not limited to, issues relating to the quality of the image, you agree that an original check will not be returned to you, but that we may charge back the amount of the original check and provide you with an image of the original check, a paper reproduction of the original check or a substitute check. You will reimburse us for all loss, cost, damage or expense caused by or relating to the processing of the returned item. Without our approval, you shall not attempt to deposit or otherwise negotiate an original check if it has been charged back to you. We may debit any of your accounts to obtain payment for any item that has been rejected or returned, for any adjustment related to such item or for any warranty claim related to such item, whether or not the rejection, return, adjustment or warranty claim was made timely. Your Warranties. You make the following warranties and representations with respect to each image: • Each image is a true and accurate rendition of the front and back of the original check, without any alteration, and the drawer of the check has no defense against payment of the check. • The amount, payee(s), signature(s), and endorsement(s) on the image and on the original check are legible, genuine, and accurate. • You will not deposit or otherwise endorse to a third party the original check and no person will receive a transfer, presentment, or return of, or otherwise be charged for, the original check or a paper or electronic representation of the original check such that the person will be asked to make payment based on an item that has already been paid. • There are no other duplicate images of the original check. • The original check was authorized by the drawer in the amount stated on the original check and to the payee(s) stated on the original check. • You are authorized to enforce and obtain payment of the original check. • You have possession of the original check and no party will submit the original check for payment. With respect to each image, you make to us all representations and warranties that we make or are deemed to make to any party pursuant to law, regulation or clearinghouse rule. You agree that files and images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on our network, data, or related systems. Compliance with Law. You will use Mobile Deposit for lawful purposes and in compliance with all applicable laws, rules and regulations. You warrant that you will only transmit acceptable items for deposit and have handled the original items in accordance with applicable laws, rules and regulations. Mobile Deposit Unavailability. Mobile Deposit may be temporarily unavailable due to system maintenance or technical difficulties, including those of the Internet service provider, cellular service provider and Internet software. In the event that Mobile Deposit is unavailable, you may deposit original checks at our branches or through our deposit accepting ATMs. Funds Availability. For purposes of funds availability, Mobile Deposits are considered deposited at a branch of ATM of this financial institution. Mobile Deposits confirmed as received before close of business (6:00 PM CST) on a business day will be credited to your account within 24 hours of receipt. Xxxxxxxx confirmed received after close of business, and deposits confirmed received on holidays or days that are not business days will be credited to your account within 24 hours of the following business day. Funds will be available as described in our Funds Availability Disclosure.

Receipt of Deposit. All Images images processed for deposit through Mobile Deposit will be treated as “"deposits” " under your current Deposit Account Agreement with us and will be subject to all terms of the Deposit Account Agreement and this any amendments to such Agreement. To be eligible for processing on the day transmitted, Mobile Deposits must be received and accepted by Bank on or before 6:00 p.m. Eastern Time or other cut-off time established by Bank from time to time (the “Cut-Off Time”) on a Business Day that the Bank is open. A Mobile Deposit that is received after the cut-off time shall be deemed to have been received on the Business Day following the Business Day on which the Mobile Deposit is actually received by Bank. Cut-off time information is available at xxxxx://xxx.xxxxxxxx.xxx. or by calling the Bank as set forth in Section 10.6. When we receive an Imageimage, we will attempt to confirm receipt that you have submitted the image via a message displayed on your Mobile Device. Your submission confirmation email to you if you have elected this option and provided us with your email address when you make the deposit. We shall not be deemed to have received the Image for deposit until we have confirmed receipt. Confirmation does not mean that the Image image contains no errorserrors or that it has been approved for crediting. Notwithstanding A status of "pending" does not indicate that the fact submitted item has been accepted. You will not receive a subsequent notification that we have accepted a submitted image has been credited to your Account. You agree that Bank has no obligation to accept a Mobile Deposit for processingand, therefore, we reserve the right to reject any credit made to your Mobile Deposit Account shall be provisional, and you shall remain liable to us for any errors, inaccuracies, breach of warranties, and any other loss sustained by, or claim made against us. We shall have no liability to you for the rejection of a Mobile Deposit or the Images or other information contained therein or transmitted through this Service, at our discretion, without liability to you. If your submission is rejected, you will receive e- mail of such rejection from the Bank. It is your responsibility to check notifications from the Bank for our failure any rejected submissions and contact the Bank to notify you of address the reason for such rejection. We are not responsible You acknowledge and agree that Bank shall have no liability to you for any Image that we do not receive. Following receipt, we may process the Image by preparing a “substitute check” or clearing the item as an Image. We reserve the right, in our sole and absolute discretion, failing to reject any Image for remote deposit into your Mobile Deposit Account. We will notify you provide notice of rejected Images by phone, email or other means. Retention of Checks. After you receive confirmation that we have received an Image, we recommend you securely store the Item for five (5) calendar days from the date of Image transmission. Upon our request from time to time, you will deliver to us the requested Check in your possession. If not provided in a timely manner, such amount will be reversed from your Mobile Deposit Account. Promptly after such period expires, you must destroy the Check by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction rejection of a Check, the Image will be the sole evidence of the Check. We recommend destroying each Item of which you have transmitted an Image after 14 daysMobile Deposit. You agree that you will never deposit shall be solely liable for, and Bank shall not have any liability whatsoever to you for, any Mobile Deposit or the Check Images or present the Check to us or anyone else for paymentother information contained therein that are not received by Bank. You understand also agree to be liable for Mobile Deposits or the Images or other information contained therein that you are responsible if anyone is asked to make a payment based on a Check that has already been paidintercepted or altered by an unauthorized third party or dropped during transmission.

Receipt of Deposit. All Images processed for deposit through Mobile Deposit will be treated as “"deposits” " under your current Deposit Account Agreement with us and will be subject to all terms of the Deposit Account Agreement and this any amendments to such Agreement. To be eligible for processing on the day transmitted, Mobile Deposits must be received and accepted by Bank on or before 3:00 p.m. C.S.T. or other cut-off time established by Bank from time to time (the “Cut-Off Time”) on a Business Day that the Bank is open. A Mobile Deposit that is received after the Cut-Off Time shall be deemed to have been received on the Business Day following the Business Day on which the Mobile Deposit is actually received by Bank. Cut-Off Time information is available by calling the Online Banking Department (see Article X, Section E). When we receive an Image, we will attempt to confirm receipt that you have submitted the Image via a message displayed on your Mobile Device. Your submission confirmation email to you if you have elected this option and provided us with your email address when you make the deposit. We shall not be deemed to have received the Image for deposit until we have confirmed receipt. Confirmation does not mean that the Image contains no errorserrors or that it has been approved for crediting. Notwithstanding A status of "pending" does not indicate that the fact submitted item has been accepted. You will not receive a subsequent notification that we have accepted a submitted Image has been credited to your Account. You agree that Bank has no obligation to accept a Mobile Deposit for processingand, therefore, we reserve the right to reject any credit made to your Mobile Deposit Account shall be provisional, and you shall remain liable to us for any errors, inaccuracies, breach of warranties, and any other loss sustained by, or claim made against us. We shall have no liability to you for the rejection of a Mobile Deposit or the Images or other information contained therein or transmitted through this Service, at our discretion, without liability to you. If your submission is rejected, you will receive e-mail of such rejection from the Bank. It is your responsibility to check notifications from the Bank for our failure any rejected submissions and contact the Bank to notify you of address the reason for such rejection. We are not responsible You acknowledge and agree that Bank shall have no liability to you for any Image that we do not receive. Following receipt, we may process the Image by preparing a “substitute check” or clearing the item as an Image. We reserve the right, in our sole and absolute discretion, failing to reject any Image for remote deposit into your Mobile Deposit Account. We will notify you provide notice of rejected Images by phone, email or other means. Retention of Checks. After you receive confirmation that we have received an Image, we recommend you securely store the Item for five (5) calendar days from the date of Image transmission. Upon our request from time to time, you will deliver to us the requested Check in your possession. If not provided in a timely manner, such amount will be reversed from your Mobile Deposit Account. Promptly after such period expires, you must destroy the Check by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction rejection of a Check, the Image will be the sole evidence of the Check. We recommend destroying each Item of which you have transmitted an Image after 14 daysMobile Deposit. You agree that you will never deposit shall be solely liable for, and Bank shall not have any liability whatsoever to you for, any Mobile Deposit or the Check Images or present the Check to us or anyone else for paymentother information contained therein that are not received by Bank. You understand also agree to be liable for Mobile Deposits or the Images or other information contained therein that you are responsible if anyone is asked to make a payment based on a Check that has already been paidintercepted or altered by an unauthorized third party or dropped during transmission.

Receipt of Deposit. All Images images processed for deposit through Mobile Deposit will be treated as “deposits” under the your current Membership and Account Agreement with us and this will be subject to all terms of the Membership and Account Agreement. When we receive an Imageimage, we will attempt to confirm receipt via a confirmation email e-mail to you if you have elected this option and provided us with your email address when you make the deposityou. We shall not be deemed to have received the Image image for deposit until we have confirmed receiptreceipt to you. Confirmation does not mean that the Image image contains no errors. Notwithstanding the fact that we have accepted a Mobile Deposit for processing, any credit made to your Mobile Deposit Account shall be provisional, and you shall remain liable to us for any errors, inaccuracies, breach of warranties, and any other loss sustained by, or claim made against us. We shall have no liability to you for the rejection of a Mobile Deposit or the Images or other information contained therein or for our failure to notify you of such rejection. We are not responsible for any Image image that we do not receive. Following receipt, we may process the Image image by preparing a “substitute check” or clearing the item as an Imageimage. We reserve the right, in at our sole and absolute discretion, to reject any Image image for remote deposit into your Mobile Deposit Accountaccount. We will notify you of rejected Images by phone, email or other meansimages. Retention of ChecksOriginal checks. After you receive confirmation that we have received an Imageimage, we recommend you must securely store the Item original check for five (5) calendar 60 days from after transmission to us and make the date original check accessible to us at our request. In the event the original check is requested, you must make the original paper check available to Tower, at your expense or in person, within 5 business days. If you fail to produce the original check within 5 business days of Image transmission. Upon our request from time to timeduring the 60-day period, you will deliver authorize Tower to us deduct the requested Check amount in question from your possession. If not provided account, regardless of whether such deduction may result in a timely mannernegative balance, such amount will be reversed from your Mobile Deposit Accountand to pay any associated fees. Promptly after such period expires, you must destroy the Check original check by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of a Checkan origi- nal check, the Image image will be the sole evidence of the Check. We recommend destroying each Item of which you have transmitted an Image after 14 daysoriginal check. You agree that you will never deposit the Check or re-present the Check to us or anyone else for paymentoriginal check. You understand that you are responsible if anyone is asked to make a payment based on a Check an original check that has already been paid. Returned Deposits. Any credit to your account for checks deposited using Mobile Deposit is provisional. If original checks deposited through Mobile Deposit are dishonored, rejected or otherwise returned unpaid by the drawee bank, or are rejected or returned by a clearing agent or collecting bank, for any reason, including, but not limited to, issues relating to the quality of the image, you agree that an original check will not be returned to you, but that we may charge back the amount of the original check and provide you with an image of the original check, a paper reproduction of the original check or a substitute check. You will reimburse us for all loss, cost, damage or expense caused by or relating to the processing of the returned item. Without our approval, you shall not attempt to deposit or otherwise negotiate an original check if it has been charged back to you. We may debit any of your accounts to obtain payment for any item that has been rejected or returned, for any adjustment related to such item or for any warranty claim related to such item, whether or not the rejection, return, adjustment or warranty claim was made timely.

Receipt of Deposit. All Images images processed for deposit through Mobile Snap Deposit will be treated as “"deposits” " under your current Account Agreement with us and will be subject to all terms of the Account Agreement and any amendments to such Agreement. To be eligible for processing on the day transmitted, Snap Deposits must be received and accepted by Bank on or before 6:00 p.m. Central Time or other cut-off time established by Bank from time to time (the “Cut-Off Time”) on a Business Day that the Bank is open. A Snap Deposit received after the cut-off time shall be deemed to have been received on the Business Day following the Business Day on which the Snap Deposit is actually received by Bank. Cut-off time information is available at xxxx://xxx.xxxxxx.xxx or by calling the Bank as set forth in this Agreement. When we receive an Imageimage, we will attempt to confirm receipt that you have submitted the image via a message displayed on your Mobile Device. Your submission confirmation email to you if you have elected this option and provided us with your email address when you make the deposit. We shall not be deemed to have received the Image for deposit until we have confirmed receipt. Confirmation does not mean that the Image image contains no errorserrors or that it has been approved for crediting. Notwithstanding A status of "pending" does not indicate that the fact submitted item has been accepted. You will not receive a subsequent notification that we have accepted a Mobile Deposit for processing, any credit made submitted image has been credited to your Mobile Account. You agree that Bank has no obligation to accept a Snap Deposit Account shall be provisionaland, and you shall remain liable therefore, we reserve the right to us for reject any errors, inaccuracies, breach of warranties, and any other loss sustained by, or claim made against us. We shall have no liability to you for the rejection of a Mobile Snap Deposit or the Images or other information contained therein or transmitted through this Service, at our discretion, without liability to you. If your submission is rejected, you will receive e-mail of such rejection from the Bank. It is your responsibility to check notifications from the Bank for our failure any rejected submissions and contact the Bank to notify you of address the reason for such rejection. We are not responsible You acknowledge and agree that Bank shall have no liability to you for any Image that we do not receive. Following receipt, we may process the Image by preparing a “substitute check” or clearing the item as an Image. We reserve the right, in our sole and absolute discretion, failing to reject any Image for remote deposit into your Mobile Deposit Account. We will notify you provide notice of rejected Images by phone, email or other means. Retention of Checks. After you receive confirmation that we have received an Image, we recommend you securely store the Item for five (5) calendar days from the date of Image transmission. Upon our request from time to time, you will deliver to us the requested Check in your possession. If not provided in a timely manner, such amount will be reversed from your Mobile Deposit Account. Promptly after such period expires, you must destroy the Check by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction rejection of a Check, the Image will be the sole evidence of the Check. We recommend destroying each Item of which you have transmitted an Image after 14 daysSnap Deposit. You agree that you will never deposit shall be solely liable for, and Bank shall not have any liability whatsoever to you for, any Snap Deposit or the Check Images or present the Check to us or anyone else for paymentother information contained therein that are not received by Bank. You understand also agree to be liable for Snap Deposits or the Images or other information contained therein that you are responsible if anyone is asked to make a payment based on a Check that has already been paidintercepted or altered by an unauthorized third party or dropped during transmission.

Receipt of Deposit. All Images images processed for deposit through Mobile Deposit PFCU eDeposit will be treated as “deposits” under your current PFCU Agreements and Disclosures with us and will be subject to all terms of the Account Agreement Agreements and this AgreementDisclosures. When we receive an ImageUpon receipt of the digital image, we will attempt review the image for acceptability and will convert items meeting our requirements into substitute checks to confirm facilitate the deposit and collection of such items. You understand and agree that electronically transmitting a digital image of a check does not constitute receipt via a confirmation email to you by the Credit Union. Confirmation of our receipt of your deposit can be verified by email, if you have elected this option and provided us with choose to receive an email confirmation, or by viewing your email address when you make the depositaccount in Online Banking. We shall not be deemed to have received the Image image for deposit until we have confirmed receiptthe image is posted to your account. Confirmation You understand that, in the event you receive a notification from us confirming receipt of an image, such notification does not mean that the Image image contains no errors. Notwithstanding the fact errors or that we have accepted a Mobile Deposit for processing, any credit made to your Mobile Deposit Account shall be provisional, and you shall remain liable to us are responsible for any errors, inaccuracies, breach of warranties, and any other loss sustained by, or claim made against information you transmit to us. We shall have no liability to you for the rejection of a Mobile Deposit or the Images or other information contained therein or for our failure to notify you of such rejection. We are not responsible for any Image image that we do not receive. Following receiptreceipt of the image, we may process the Image image by preparing a “substitute check.” or clearing Notwithstanding anything to the item as an Image. We contrary, we reserve the right, in within our sole and absolute discretion, to accept or reject any Image item for remote deposit into your Mobile Deposit Account. We will notify you of rejected Images by phoneaccount and, email or other means. Retention of Checks. After you receive confirmation that in the event we have received reject an Image, we recommend you securely store the Item item for five (5) calendar days from the date of Image transmission. Upon our request from time to timeremote deposit, you will deliver to us the requested Check in your possession. If not provided in a timely manner, such amount will be reversed from your Mobile Deposit Account. Promptly after such period expires, you must destroy the Check by first marking it “VOID” understand and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of a Check, the Image will be the sole evidence of the Check. We recommend destroying each Item of which you have transmitted an Image after 14 days. You agree that you will never must deposit the Check or present the Check to us or anyone else for paymentoriginal item. You understand and agree that even if we do not initially reject an item you deposit through PFCU eDeposit, we may return the substitute check we created because, among other reasons, the paying bank deems the electronic image illegible. Our failure to reject such an item shall not limit your liability to us. We are not liable for any service or late charges levied against you due to our rejection of any item. In all cases, you are responsible if anyone is asked for any loss or overdraft plus any applicable fees to make a payment based on a Check that has already been paidyour account due to an item being returned.

Receipt of Deposit. All Images images processed for deposit through Mobile Deposit will be treated as “deposits” under the Membership and Account Agreement and/or the Business Membership and this Account Agreement with us and will be subject to all terms of the Membership and Account Agreement and/or the Business Membership and Account Agreement. When we receive you successfully submit an Imageimage you can check the status of the image within the Mobile App. Status pending means the item is under review, we accepted means the item will attempt to confirm receipt via be processed, and rejected means the item was rejected and a confirmation email to you if you have elected this option and provided us with your email address when you make the depositreason will be provided. We shall not be deemed to have received the Image image for deposit until we have confirmed receiptreceipt through the Mobile App to you. Confirmation does not mean that the Image image contains no errors. Notwithstanding the fact that we have accepted a Mobile Deposit for processing, any credit made to your Mobile Deposit Account shall be provisional, and you shall remain liable to us for any errors, inaccuracies, breach of warranties, and any other loss sustained by, or claim made against us. We shall have no liability to you for the rejection of a Mobile Deposit or the Images or other information contained therein or for our failure to notify you of such rejection. We are not responsible for any Image image that we do not receive. We cannot re-process an image that has been deleted. Following receipt, we may process the Image image by preparing a “substitute check” or clearing the item as an Imageimage. We reserve the right, in at our sole and absolute discretion, to reject any Image image for remote deposit into your Mobile Deposit Accountaccount. We will notify may email you a notification of your rejected Images by phoneimages, providing we have a current email or address for you on file. It is your responsibility to make sure your email and other meanscontact information is current. Retention of Checks. Original checks After you receive confirmation that we have received an Imageimage, we recommend you must securely store the Item original check for five (5) at least 30 calendar days from after transmission to us and make the date of Image transmissionoriginal check accessible to us at our request. Upon our request from time to time, you will deliver to us within 10 calendar days, at your expense, the requested Check original check in your possession. If not provided in a timely manner, such amount will be reversed from your Mobile Deposit Accountaccount. Promptly after such period expires, you must destroy the Check original check by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of a Checkan original check, the Image image will be the sole evidence of the Check. We recommend destroying each Item of which you have transmitted an Image after 14 daysoriginal check. You agree that you will never deposit the Check or re-present the Check to us or anyone else for paymentoriginal check. You understand that you are responsible if anyone is asked to make a payment based on a Check an original check that has already been paid. Returned Deposits Any credit to your account for checks deposited using Mobile Deposit is provisional. If original checks deposited through Mobile Deposit are dishonored, rejected or otherwise returned unpaid by the drawee bank, or are rejected or returned by a clearing agent or collecting bank, for any reason, including, but not limited to, issues relating to the quality of the image, you agree that an original check will not be returned to you, but that we may charge back the amount of the original check and provide you with an image of the original check, a paper reproduction of the original check or a substitute check. You will reimburse us for all loss, cost, damage or expense caused by or relating to the processing of the returned item. Without our approval, you shall not attempt to deposit or otherwise negotiate an original check if it has been charged back to you. In any case of the above mentioned a service fee for the return deposit may be assessed to your account, see the Service Charges and Fee Schedule We may debit any of your accounts to obtain payment for any item that has been rejected or returned, for any adjustment related to such item or for any warranty claim related to such item, whether or not the rejection, return, adjustment or warranty claim was made timely. Your Warranties You make the following warranties and representations with respect to each image: • Each image is a true and accurate rendition of the front and back of the original check, without any alteration, and the drawer of the check has no defense against payment of the check. • The amount, payee(s), signature(s), and endorsement(s) on the image and on the original check are legible, genuine, and accurate. • You will not deposit or otherwise endorse to a third party the original check and no person will receive a transfer, presentment, or return of, or otherwise be charged for, the original check or a paper or electronic representation of the original check such that the person will be asked to make payment based on an item that has already been paid. • There are no other duplicate images of the original check. • The original check was authorized by the drawer in the amount stated on the original check and to the payee(s) stated on the original check. • You are authorized to enforce and obtain payment of the original check. • You have possession of the original check and no party will submit the original check for payment. With respect to each image, you make to us all representations and warranties that we make or are deemed to make to any party pursuant to law, regulation or clearinghouse rule. You agree that files and images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on our network, data, or related systems. Compliance with Law You will use Mobile Deposit for lawful purposes and in compliance with all applicable laws, rules and regulations. You warrant that you will only transmit acceptable items for deposit and have handled the original items in accordance with applicable laws, rules and regulations. Mobile Deposit Unavailability Mobile Deposit may be unavailable temporarily due to system maintenance or technical difficulties, including those of the Internet service provider, cellular service provider and Internet software. In the event that Mobile Deposit is unavailable, you may deposit original checks at our offices. Funds Availability Mobile Deposits confirmed as received before close of business will be credited to your account within two business days with the first $2,000 of the daily total deposit available. Xxxxxxxx confirmed received after close of business, on holidays, or days that are not considered business days will be credited to your account within two business days of the following business day. Mobile Deposits on new accounts opened less than 30 days confirmed as received before close of business will be credited to your account within five business day with the first $225 of the daily total deposit available. Deposits on new accounts opened less than 30 days confirmed received after close of business, on holidays, or days that are not considered business days will be credited to your account within five business days of the following business day. Some items during processing hours may qualify for automatic posting to your account resulting in funds made available sooner to you. Items that do not qualify for automatic posting can include but are not limited to: check deposit limits, duplicate submissions, invalid account number format, poor image quality, or dollar amount discrepancies. For business accounts on WESTconsin Business Connect mobile deposit confirmed as received before close of business will be credited to your account up to $45,000.00 with the deposit amount over $45,000.00 deposited within two business days. Xxxxxxxx confirmed received after close of business day, on holidays or day that are not considered business days will be credited to your account within two business days of the following business day. All accounts may be subjected to extended holds if we deem necessary. Mobile Deposit Security You will complete each deposit promptly. If you are unable to complete your deposit promptly, you will ensure that your mobile device remains securely in your possession until the deposit has been completed. It is your responsibility to establish and maintain procedures to safeguard against unauthorized deposits. You will notify us immediately by telephone with written confirmation if you learn of any loss or theft of original checks. You will ensure the safety and integrity of original checks from the time of receipt until the time of destruction. If warranted in our reasonable judgment, we may audit and monitor you, and you agree to cooperate with us to permit such monitoring, to confirm that you have satisfied your obligations under this Agreement.

Receipt of Deposit. All Images images processed for deposit through Mobile Deposit will be treated as “deposits” under your current Membership Agreement with us and will be subject to all terms of the Account Agreement and this Membership Agreement. When we receive an Imageimage, we will attempt to confirm receipt via a confirmation email to you if you have elected this option and provided us with your email address when you make the deposityou. We shall not be deemed to have received the Image image for deposit until we you have confirmed receiptreceipt from us. Confirmation does not mean that the Image image contains no errorserrors or that it will be accepted. Notwithstanding the fact that It simply means we have accepted a Mobile Deposit for processing, any credit made to your Mobile Deposit Account shall be provisional, and you shall remain liable to us for any errors, inaccuracies, breach of warranties, and any other loss sustained by, or claim made against us. We shall have no liability to you for received the rejection of a Mobile Deposit or the Images or other information contained therein or for our failure to notify you of such rejectionitem. We are not responsible for any Image image that we do not receive. Following receipt, we may process the Image image by preparing a “substitute check” or clearing the item as an Imageimage. We reserve the right, in at our sole and absolute discretion, to reject any Image image for remote mobile deposit into your Mobile Deposit Accountaccount. We will notify you of rejected Images by phone, email images. We are not liable for any service or other meanslate charges levied against you due to the rejection of any item. Retention of You are responsible for any loss or overdraft plus any applicable fees to your account due to an item being rejected. Original Checks. After you receive confirmation that we have received an Imageimage, we recommend you must securely store the Item original check for five (5) 45 calendar days from after transmission to us and make the date of Image transmissionoriginal check accessible to us at our request. Upon our request from time to time, you will promptly deliver to us us, at your expense, the requested Check original check in your possession. If not provided in a timely manner, such amount any amounts previously credited will be reversed withdrawn from your Mobile Deposit Accountaccount. Promptly after such the 45-day period expires, you must destroy the Check original check by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of a Checkan original check, the Image image will be the sole evidence of the Check. We recommend destroying each Item of which you have transmitted an Image after 14 daysoriginal check. You agree that you will never deposit the Check or re-present the Check to us or anyone else for paymentoriginal check. You understand that you are legally responsible if anyone is asked to make you present a payment based on a Check check that has previously been presented for payment or that already has been paid.

Receipt of Deposit. All Images images processed for deposit through Mobile Deposit RDC will be treated as “deposits” under the your current Membership and Account Agreement with us and this will be subject to all terms of the Membership and Account Agreement. When we receive an Imageimage, we will attempt to confirm receipt via a confirmation email e-mail to you if you have elected this option and provided us with your email address when you make the deposityou. We shall not be deemed to have received the Image image for deposit until we have confirmed receiptreceipt to you. Confirmation does not mean that the Image image contains no errors. Notwithstanding the fact that we have accepted a Mobile Deposit for processing, any credit made to your Mobile Deposit Account shall be provisional, and you shall remain liable to us for any errors, inaccuracies, breach of warranties, and any other loss sustained by, or claim made against us. We shall have no liability to you for the rejection of a Mobile Deposit or the Images or other information contained therein or for our failure to notify you of such rejection. We are not responsible for any Image image that we do not receive. Following receipt, we may process the Image by preparing a “substitute check” or clearing the item as an Image. We reserve the right, in at our sole and absolute discretion, to reject any Image image for remote deposit into your Mobile Deposit Accountaccount. We will notify you of rejected Images by phone, email or other meansimages. Retention of Checks. Original Checks After you receive confirmation that we have received an Imageimage, we recommend you must securely store the Item original check for five (5) 60 calendar days from after transmission to us and make the date of Image transmissionoriginal check accessible to us at our request. Upon our request from time to time, you will deliver to us within 10 calendar days, at your expense, the requested Check original check in your possession. If not provided in a timely manner, such amount will be reversed from your Mobile Deposit Accountaccount. Promptly after such period expires, you must destroy the Check original check by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of a Checkan original check, the Image image will be the sole evidence of the Check. We recommend destroying each Item of which you have transmitted an Image after 14 daysoriginal check. You agree that you will never deposit the Check or re-present the Check to us or anyone else for paymentoriginal check. You understand that you are responsible if anyone is asked to make a payment based on a Check you represent an original check that has already been paid. Business Day and Availability Disclosure Our business days are Monday through Friday, except holidays. Any deposits received after 3:00 p.m. Eastern Standard Time on Monday through Friday will be processed the next business day. Digital images received after 3:00 p.m. Eastern Standard Time on Friday, all day Saturday and Sunday are processed on Monday. Limits We may establish limits on the dollar amount and/or number of items or deposits from time to time. If you attempt to initiate a deposit in excess of these limits, we may reject your deposit. If we permit you to make a deposit in excess of these limits, such deposit will still be subject to the terms of this Agreement, and we will not be obligated to allow such a deposit at other times. Transactions Limitations of the Service • One check may be deposited at a time using the Service. • A maximum of $5,000 per check applies to the Service. • The total check amount per day is $5,000. Unacceptable Checks for Deposit Using the Service • Third-party checks. • Checks written for over $5,000. • Checks with qualified or conditional endorsements (for example: “Payable to Seasons Federal Credit Union without recourse”). • Checks payable to more than one individual where all parties are not signers on the account may not be deposited using the service (this includes government checks). • Any item stamped “non-negotiable”. • Bonds. • Any item issued by a financial institution in a foreign country or in foreign currency. • Any item that is “stale dated” or “post dated” • Any item that is incomplete. • Any item that contains evidence of alternation to the information on the Check. Returned Deposits Any credit to your account for checks deposited using RDC is provisional. If original checks deposited through RDC are dishonored, rejected or otherwise returned unpaid by the drawee bank, or are rejected or returned by a clearing agent or collecting bank, for any reason, including, but not limited to, issues relating to the quality of the image, you agree that an original check will not be returned to you, but that we may charge back the amount of the original check and provide you with an image of the original check, a paper reproduction of the original check or a substitute check. You will reimburse us for all loss, cost, damage or expense caused by or relating to the processing of the returned item. Without our approval, you shall not attempt to deposit or otherwise negotiate an original check if it has been charged back to you. We may debit any of your accounts to obtain payment for any item that has been rejected or returned, for any adjustment related to such item or for any warranty claim related to such item, whether or not the rejection, return, adjustment or warranty claim was made timely. Your Warranties You make the following warranties and representations with respect to each image: • Each image is a true and accurate rendition of the front and back of the original check, without any alteration, and the drawer of the check has no defense against payment of the check. • The amount, payee(s), signature(s), and endorsement(s) on the image and on the original check are legible, genuine, and accurate. • You will not deposit or otherwise endorse to a third party the original check and no person will receive a transfer, presentment, return of, or otherwise be charged for, the original check or a paper or electronic representation of the original check such that the person will be asked to make payment based on an item that has already been paid. • There are no other duplicate images of the original check. • The original check was authorized by the drawer in the amount stated on the original check and to the payee(s) stated on the original check. • You are authorized to enforce and obtain payment of the original check. • You have possession of the original check and no party will submit the original check for payment. With respect to each image, you make to us all representations and warranties that we make or are deemed to make to any party pursuant to law, regulation or clearinghouse rule. You agree that files and images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on our network, data, or related systems. Compliance with Law You will use RDC for lawful purposes and in compliance with all applicable laws, rules and regulations. You warrant that you will only transmit acceptable items for deposit and have handled the original items in accordance with applicable laws, rules and regulations. Mobile Remote Deposit Capture Unavailability RDC may be unavailable temporarily due to system maintenance or technical difficulties, including those of the Internet service provider, cellular service provider and Internet software. In the event that RDC is unavailable, you may deposit original checks at our branches, through our enabled ATMs, or through participating Shared Branching locations. Funds Availability For purposes of funds availability, deposits made through RDC are considered deposited at an ATM of this financial institution. Xxxxxxxx confirmed as received before close of business on a business day will be credited to your account within 24 hours of receipt. Xxxxxxxx confirmed received after close of business, and deposits confirmed received on holidays or days that are not business days will be credited to your account within 24 hours of the following business day. Funds will be available as described in our Funds Availability Disclosure.

Receipt of Deposit. All Images images processed for deposit through Mobile Deposit will be treated as “deposits” under the your current Membership and Account Agreement with us and this will be subject to all terms of the Membership and Account Agreement. When we receive an ImageUpon receipt of the digital image, we will attempt review the image for acceptability and will convert items meeting our requirements into substitute checks to confirm facilitate the deposit and collection of such items. You understand and agree that electronically transmitting a digital image of a check does not constitute receipt via a confirmation email to you if you have elected this option and provided us with by the Credit Union. Confirmation of our receipt of your email address when you make the depositdeposit can be verified by viewing your account in Personal Branch or Mobile Banking. We shall not be deemed to have received the Image image for deposit until we have confirmed receiptthe image is posted to your account. Confirmation You understand that in the event you receive a notification from us confirming receipt of an image, such notification does not mean that the Image image contains no errors. Notwithstanding the fact errors or that we have accepted a Mobile Deposit for processing, any credit made to your Mobile Deposit Account shall be provisional, and you shall remain liable to us are responsible for any errors, inaccuracies, breach of warranties, and any other loss sustained by, or claim made against information your transmit to us. We shall have no liability to you for the rejection of a Mobile Deposit or the Images or other information contained therein or for our failure to notify you of such rejection. We are not responsible for any Image image that we do not receive. Following receiptreceipt of the image, we may process the Image image by preparing a “substitute check” or clearing ”. Notwithstanding anything to the item as an Image. We contrary, we reserve the right, in within our sole and absolute discretion, to accept or reject any Image item for remote deposit into your Mobile Deposit Accountaccount. We will notify you of rejected Images by phone, email or other means. Retention of Checks. After you receive confirmation that In the event we have received reject an Image, we recommend you securely store the Item item for five (5) calendar days from the date of Image transmission. Upon our request from time to timeremote deposit, you will deliver to us the requested Check in your possession. If not provided in a timely manner, such amount will be reversed from your Mobile Deposit Account. Promptly after such period expires, you must destroy the Check by first marking it “VOID” understand and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of a Check, the Image will be the sole evidence of the Check. We recommend destroying each Item of which you have transmitted an Image after 14 days. You agree that you will never must deposit the Check or present the Check to us or anyone else for paymentoriginal item. You understand and agree that even if we do not initially reject an item you deposit through Mobile Deposit, we may return the substitute check we created because, for example, the paying bank deems the electronic image illegible. Our failure to reject such an item shall not limit your liability to us. We are not liable for any service or late charges levied against you due to our rejection of any item. In all cases, you are responsible if anyone is asked for any loss or overdraft plus any applicable fees to make a payment based on a Check that has already been paidyour account due to an item being returned.

Receipt of Deposit. All Images images processed for deposit through Mobile Deposit will be treated as “depositsMobile Deposits” under the your current Membership and Account Agreement with us and this will be subject to all terms of the Membership and Account Agreement. When we receive an Imageimage, we will attempt to confirm receipt via a confirmation email to you if you have elected this option and provided us with your email address when you make the deposityou. We shall not be deemed to have received the Image image for deposit until we have confirmed receiptreceipt to you. Confirmation does not mean that the Image image contains no errors. Notwithstanding the fact that we have accepted a Mobile Deposit for processing, any credit made to your Mobile Deposit Account shall be provisional, and you shall remain liable to us for any errors, inaccuracies, breach of warranties, and any other loss sustained by, or claim made against us. We shall have no liability to you for the rejection of a Mobile Deposit or the Images or other information contained therein or for our failure to notify you of such rejection. We are not responsible for any Image image that we do not receive. Following receipt, we may process the Image image by preparing a “substitute check” or clearing the item as an Imageimage. We reserve the right, in at our sole and absolute discretion, to reject any Image image for remote deposit Mobile Deposit into your Mobile Deposit Accountaccount. We will notify you of rejected Images by phone, email or other meansimages. Retention of ChecksOriginal checks. After you receive confirmation that we have received an Imageimage, we recommend you must securely store the Item original check for five (5) calendar 30 days from after transmission to us and make the date of Image transmissionoriginal check accessible to us at our request. Upon our request from time to time, you will deliver to us within 5 business days, at your expense, the requested Check original check in your possession. If not provided in a timely manner, such amount will be reversed from your Mobile Deposit Accountaccount. Promptly after such period expires, you must destroy the Check original check by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of a Checkan original check, the Image image will be the sole evidence of the Check. We recommend destroying each Item of which you have transmitted an Image after 14 daysoriginal check. You agree that you will never deposit the Check or re-present the Check to us or anyone else for paymentoriginal check. You understand that you are responsible if anyone is asked to make a payment based on a Check an original check that has already been paid. Returned Deposits. Any credit to your account for checks deposited using Mobile Deposit is provisional. If original checks deposited through Mobile Deposit are dishonored, rejected or otherwise returned unpaid by the drawee bank, or are rejected or returned by a clearing agent or collecting bank, for any reason, including, but not limited to, issues relating to the quality of the image, you agree that an original check will not be returned to you, but that we may charge back the amount of the original check and provide you with an image of the original check, a paper reproduction of the original check or a substitute check. You will reimburse us for all loss, cost, damage or expense caused by or relating to the processing of the returned item. Without our approval, you shall not attempt to deposit or otherwise negotiate an original check if it has been charged back to you. We may debit any of your accounts to obtain payment for any item that has been rejected or returned, for any adjustment related to such item or for any warranty claim related to such item, whether or not the rejection, return, adjustment or warranty claim was made timely. Your Warranties. You make the following warranties and representations with respect to each image:  Each image is a true and accurate rendition of the front and back of the original check, without any alteration, and the drawer of the check has no defense against payment of the check.  The amount, payee(s), signature(s), and endorsement(s) on the image and on the original check are legible, genuine, and accurate.  You will not deposit or otherwise endorse to a third party the original check and no person will receive a transfer, presentment, or return of, or otherwise be charged for, the original check or a paper or electronic representation of the original check such that the person will be asked to make payment based on an item that has already been paid.  There are no other duplicate images of the original check.  The original check was authorized by the drawer in the amount stated on the original check and to the payee(s) stated on the original check.  You are authorized to enforce and obtain payment of the original check.  You have possession of the original check and no party will submit the original check for payment. With respect to each image, you make to us all representations and warranties that we make or are deemed to make to any party pursuant to law, regulation or clearinghouse rule. You agree that files and images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on our network, data, or related systems. Compliance with Law. You will use Mobile Deposit for lawful purposes and in compliance with all applicable laws, rules and regulations. You warrant that you will only transmit acceptable items for deposit and have handled the original items in accordance with applicable laws, rules and regulations. Mobile Deposit Unavailability. Mobile Deposit may be unavailable temporarily due to system maintenance or technical difficulties, including those of the Internet service provider, cellular service provider and Internet software. In the event that Mobile Deposit is unavailable, you may deposit original checks at our branches, at CO-OP Deposit taking ATMs, or by mailing the original check to: Pittsford FCU, XX Xxx 000, Xxxxxx XX, 00000. Funds Availability. For purposes of funds availability, Mobile Deposits are made in Mendon NY. For Mobile Deposits confirmed as received before 2:00 PM EST on a business day that we are open, we will consider that day to be the day of your deposit and will be credited to your account the same day. However, for Mobile Deposits confirmed as received after 2:00 PM EST and confirmed received on holidays or days we are not open, we will consider that the deposit was made on the next business day we are open and will be credited to your account the following business day. Up to $2,500 of Mobile Deposit(s) will be made available on the business day we receive and accept your deposit. Mobile Deposit(s) in excess of $2,500 will be held for five business days and will be available on the sixth business day after we receive and accept your deposit. Longer delays may apply if:  We believe that a check you deposit will not be paid  You deposit checks totaling more than $5,000 on any one day  You redeposit a check that has been returned unpaid  You have overdrawn your account repeatedly in the previous six months  There is an emergency, such as failure of computer or communications equipment Business Days. Our business days are Monday - Friday, except holidays. Mobile Deposit Security. You will complete each deposit promptly. If you are unable to complete your deposit promptly, you will ensure that your mobile device remains securely in your possession until the deposit has been completed. You will notify us immediately by telephone to 000-000-0000 with written confirmation if you learn of any loss or theft of original checks. You will ensure the safety and integrity of original checks from the time of receipt until the time of destruction. Your Responsibility. You are solely responsible for the quality, completeness, accuracy, validity and integrity of the image. You are solely responsible if you, intentionally or unintentionally, submit fraudulent, incorrect or illegible images to us or if Mobile Deposit is used, by authorized or unauthorized persons, to submit fraudulent, unauthorized, inaccurate, incorrect or otherwise improper or unusable images to us. In addition you agree that you will not modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or Service, copy or reproduce all or any part of the technology or Service; or interfere, or attempt to interfere, with the technology or Service. We and our technology partners, inclusive of, but not limited to, Intuit, Inc. and Vertifi Software, LLC, retain all rights, title and interests in and to the Services, Software and Development made available to you.