Common use of Accountholder’s Warranties Clause in Contracts

Accountholder’s Warranties. You make the following warranties and representations with respect to your use of Mobile Deposit Services and each image of an original check you transmit to us using Mobile Deposit Services: (a) Each image of a check transmitted to us 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; (b) the amount, the payee, signature(s), and endorsement(s) on the original check are legible, genuine, and accurate; (c) each check that you submit to us for deposit will not be resubmitted in any format to us or to any other person or the original of it negotiated or presented for payment to any financial institution for payment resulting in the same drawer’s account to be debited twice; (d) other than the digital image of an original check that you remotely deposit through Mobile Deposit Services, you did not permit other or duplicate images of the original check to be deposited or put through for collection; (e) each original check was authorized by the drawer in the amount stated on the original check and to the payee stated on the original check, (f) the information you provided to us is true and correct and, in the event such information changes, you will notify us immediately of the change; (g) you have not knowingly failed to communicate any material information to us; (h) you will retain possession of each original check deposited using Mobile Deposit Services for the required (60) sixty day retention period and neither you nor any other party will resubmit the original check for payment; (i) you will not use the Mobile Banking Services for any illegal activity or transactions; (j) files and images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on our network, date or related systems; and (k) each check you submit for deposit is drawn in United States dollars on a financial institution located within the United States, excluding its territories.

Accountholder’s Warranties. ‌ You make the following warranties and representations with respect to your use of Mobile Deposit Services and each image of an original check you transmit to us using Mobile Deposit Services: (a) utilizing the Services:‌  Each image of a check transmitted to us 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; (b) the .  The amount, the payee, signature(s), and endorsement(sindorsement(s) on the original check are legible, genuine, and accurate; (c) each check that you submit to us for deposit .  You will not be resubmitted in any format deposit or otherwise indorse to us or to any other person or a third party the original item (the original check) and no person will receive a transfer, presentment, or return of, or otherwise be charged for, the item (either the original item, or a paper or electronic representation of the original item) such that the person will be asked to make payment based on an item it negotiated or presented for payment to any financial institution for payment resulting in the same drawer’s account to be debited twice; (d) other has already paid.  Other than the digital image of an original check that you remotely deposit through Mobile Deposit RDC Services, you did not permit there are no other or duplicate images of the original check check.  You have instituted procedures to be deposited or put through for collection; (e) ensure that each original check was authorized by the drawer in the amount stated on the original check and to the payee stated on the original check, (f) the .  You are authorized to enforce each item transmitted or are authorized to obtain payment of each item on behalf of a person entitled to enforce such transmitted item.  The information you provided to us is in any Application for RDC Services remains true and correct and, in the event any such information changes, you will immediately notify us immediately of the change; (g) you .  You have not knowingly failed to communicate any material information to us; (h) you will retain .  You have possession of each original check deposited using Mobile Deposit the Services for the required (60) sixty day retention period and neither you nor any other no party will resubmit submit the original check for payment; (i) you will not use the Mobile Banking Services for any illegal activity or transactions; (j) files .  Files and images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on our network, date data, or related systems; and (k) each check you submit for deposit is drawn in United States dollars on a financial institution located within the United States, excluding its territories.

Accountholder’s Warranties. You make the following warranties and representations with respect to your use of Mobile the Remote Deposit Capture Services and each image of an original check you transmit to us using Mobile the Remote Deposit Capture Services: (a) • Each image of a check transmitted to us 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; (b) the . • The amount, the payee, signature(s), and endorsement(s) on the original check are legible, genuine, and accurate; (c) each . • Each check that you submit to us for deposit will not be resubmitted in any format to us or to any other person or the original of it negotiated or presented for payment to any financial institution for payment resulting in and will not cause the same drawer’s account to be debited twice; (d) other . • Other than the digital image of an original check that you remotely deposit through Mobile Deposit the Services, you did not permit there are no other or duplicate images of the original check to be deposited or put through for collection; (e) each check. • Each original check was authorized by the drawer in the amount stated on the original check and to the payee stated on the original check, (f) the . • The information you provided to us in your Application is true and correct and, in the event any such information changes, you will immediately notify us immediately of the change; (g) you . • You have not knowingly failed to communicate any material information to us; (h) you . • You will retain possession of each original check deposited using Mobile the Remote Deposit Capture Services for the required sixty (60) sixty day retention period and neither you nor any other party will resubmit submit the original check for payment; (i) you . • You will not use the Mobile Banking Remote Deposit Capture Services and/or your accounts for any illegal activity or transactions; (j) files . • Files and images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on our network, date data, or related systems; and (k) each . • Each check you submit for deposit is drawn in United States dollars on a financial institution located within in the United States, excluding its territories.. YOU UNDERSTAND AND AGREE THAT YOUR USE OF THE REMOTE DEPOSIT CAPTURE SERVICES IS AT YOUR RISK. YOU ALSO UNDERSTAND AND AGREE THAT THE REMOTE DEPOSIT CAPTURE SERVICES AND ALL INFORMATION AND CONTENT (INCLUDING THAT OF THIRD PARTIES) IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. YOU UNDERSTAND AND AGREE THAT WE DO NOT MAKE ANY WARRANTIES OF ANY KIND AS TO THE USE OF THE SERVICES, EQUIPMENT, HARDWARE, SOFTWARE OR INTERNET PROVIDER SERVICE, OR ANY PART OF THEM, WHETHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. WE MAKE NO WARRANTY THAT THE REMOTE DEPOSIT CAPTURE SERVICES WILL MEET YOUR REQUIREMENTS OR WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE. WE ALSO MAKE NO WARRANTY THAT THE RESULTS THAT MAY BE OBTAINED FROM USING THE REMOTE DEPOSIT CAPTURE SERVICES WILL BE ACCURATE OR RELIABLE, OR THAT ANY ERRORS IN THE SERVICES OR TECHNOLOGY WILL BE CORRECTED. WE ARE NOT RESPONSIBLE FOR ANY LOSS, INJURY OR DAMAGES, WHETHER DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL, CAUSED BY YOUR INTERNET PROVIDER, ANY RELATED SOFTWARE OR THE CREDIT UNION’S USE OF ANY OF THEM OR ARISING IN ANY WAY FROM THE INSTALLATION, USE OR MAINTENANCE OF YOUR PERSONAL MOBILE DEVICE, HARDWARE, SOFTWARE OR OTHER EQUIPMENT. YOU UNDERSTAND AND AGREE THAT WE WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER LOSSES RESULTING FROM OR ATTRIBUTABLE TO THE USE OR THE INABILITY TO USE THE REMOTE DEPOSIT CAPTURE SERVICES INCURRED BY YOU OR ANY THIRD PARTY ARISING FROM OR ATTRIBUTABLE TO THE USE OF, INABILITY TO USE, THE TERMINATION OF THE USE OF THE SERVICES, OR YOUR BREACH OF THIS AGREEMENT, REGARDLESS OF THE FORM OF ACTION OR CLAIM (WHETHER CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE), EVEN IF WE HAVE BEEN INFORMED OF THE POSSIBILITY THEREOF. You agree to indemnify, defend and hold harmless the Credit Union and its directors, officers, employees, Members and agents (the “Indemnified Parties”) from and against any and all losses, costs, expenses, fees (including, but not limited to, reasonable attorneys’ fees and disbursements), claims, damages, liabilities and causes of action of third parties resulting or arising from: (i) your failure to abide by or perform any obligation imposed upon you under this Agreement; (ii) the willful misconduct, fraud, criminal activity, intentional tort or negligence of you or any of your representatives involving use of the Remote Deposit Capture Services;

Accountholder’s Warranties. You make the following warranties and representations with respect to your use of the Mobile Deposit Services Service and each image of an original check you transmit to us using the Mobile Deposit Services: (a) Service: 1. Each image of a check transmitted to us 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; (b) the ; 2. The amount, the payee, signature(s), and endorsement(s) on the original check are legible, genuine, and accurate; (c) each ; 3. Each check that you submit to us for deposit will not be resubmitted in any format to us or us, to any other person person, or the original of it negotiated or presented for payment to any other financial institution for payment resulting in payment, and will not cause the same drawer’s account to be debited twice; (d) other ; 4. Other than the digital image of an original check that you remotely deposit through the Mobile Deposit ServicesService, you did not permit there are no other or duplicate images of the original check to be deposited or put through for collection; (e) each check; 5. Each original check was authorized by the drawer in the amount stated on the original check and to the payee stated on the original check, (f) the information you provided to us is true and correct and, in the event such information changes, you will notify us immediately of the change; (g) you ; 6. You have not knowingly failed to communicate any material information to us; (h) you ; 7. You will retain possession of each original check deposited using the Mobile Deposit Services Service for the required (60) sixty day retention period and neither you nor any other party will resubmit submit the original check for payment; (i) you ; 8. You will not use the Mobile Banking Services Deposit Service and/or your accounts for any illegal activity or transactions; (j) files ; 9. Files and images transmitted to us will contain no viruses or any other disabling features that which may have an adverse impact on our network, date data, or related systems. 10. In addition you agree you will not (i) modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or Mobile Deposit Service, (ii) copy or reproduce all or any part of the technology or Mobile Deposit Service; and or (kiii) each check you submit for deposit is drawn in United States dollars on a financial institution located within interfere, or attempt to interfere, with the United States, excluding its territoriestechnology or Mobile Deposit Service.

Accountholder’s Warranties. You I make the following warranties and representations with respect to your use of Mobile Deposit Services and each image of an original check you I transmit to us using Mobile Deposit you utilizing the Services: (a) : 1. Each image of a check transmitted to us you 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; (b) the . 2. The amount, the payee, signature(s), and endorsement(s) on the original check are legible, genuine, and accurate; (c) each . 3. Each check that you I submit to us you for deposit will not be resubmitted in any format to us you or to any other person or the original of it negotiated or presented for payment to any financial institution for payment resulting in and will not cause the same drawer’s 's account to be debited twice; (d) other . 4. Each check that I submit to you for deposit will be directly payable to the individual or business in whose name the account to which I am requesting it be deposited is open. 5. Other than the digital image of an original check that you I remotely deposit through Mobile Deposit your Services, you did not permit there are no other or duplicate images of the original check check. 6. I have instituted procedures to be deposited or put through for collection; (e) ensure that each original check was authorized by the drawer in the amount stated on the original check and to the payee stated on the original check, (f) the . 7. The information you I provided to us is in my Application remains true and correct and, in the event any such information changes, I will immediately notify you will notify us immediately of the change; (g) you . 8. I have not knowingly failed to communicate any material information to us; (h) you will retain you. 9. I have possession of each original check deposited using Mobile Deposit the Services for the required (60) sixty day retention period and neither you nor any other no party will resubmit submit the original check for payment; (i) you will not use the Mobile Banking Services for any illegal activity or transactions; (j) files . 10. Files and images transmitted to us you will contain no viruses or any other disabling features that may have an adverse impact on our your network, date data, or related systems; and (k) each check you submit for deposit is drawn in United States dollars on a financial institution located within the United States, excluding its territories.

Accountholder’s Warranties. You make the following warranties and representations with respect to your use of Mobile Deposit Services and each image of an original check you transmit to us using Mobile Deposit utilizing the Services: (a) : 1. Each image of a check transmitted to us 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; (b) the . 2. The amount, the payee, signature(s), and endorsement(s) on the original check are legible, genuine, and accurate; (c) each . 3. Each check that you submit to us for deposit will not be resubmitted in any format to us or to any other person or the original of it negotiated or presented for payment to any financial institution for payment resulting in and will not cause the same drawer’s 's account to be debited twice; (d) other . 4. Each check that you submit to us for deposit will be directly payable to the individual or business in whose name the Account to which you are requesting it be deposited is open. 5. Other than the digital image of an original check that you remotely deposit through Mobile Deposit the Services, you did not permit there are no other or duplicate images of the original check check. 6. You have instituted procedures to be deposited or put through for collection; (e) ensure that each original check was authorized by the drawer in the amount stated on the original check and to the payee stated on the original check, (f) the . 7. The information you provided in your application to us is use the Services remains true and correct and, in the event any such information changes, you will immediately notify us immediately of the change; (g) you . 8. You have not knowingly failed to communicate any material information to us; (h) you will retain . 9. You have possession of each original check deposited using Mobile Deposit the Services for the required (60) sixty day retention period and neither you nor any other no party will resubmit submit the original check for payment; (i) you will not use the Mobile Banking Services for any illegal activity . 10. You have restrictively endorsed each original check “For Remote Deposit Only to First Citizens’ Federal Credit Union” or transactions; (j) files as otherwise instructed by us. 11. Files and images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on our network, date data, or related systems; and (k) each check you submit for deposit is drawn in United States dollars on a financial institution located within the United States, excluding its territories.

Accountholder’s Warranties. You I make the following warranties and representations representation with respect to your use of Mobile Deposit Services and each image of an original check you I transmit to us using Mobile Deposit you utilizing the Services: (a) : 1. Each image of a check transmitted to us you 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; (b) the . 2. The amount, the payee, signature(s), and endorsement(s) on the original check are legible, genuine, genuine and accurate; . 3. I will not deposit or otherwise indorse to a third party the original item (cthe original check) each and no person will receive a transfer, presentment, or return of, or otherwise be charged for, the item (either the original item, or a paper or electronic representation of the original item) such that the person will be asked to make payment based on an item it has already paid. 4. Each check that you I submit to us you for deposit will not be resubmitted directly payable to the individual or business in any format to us or to any other person or whose name the original of it negotiated or presented for payment to any financial institution for payment resulting in the same drawer’s account to be debited twice; (d) other than the digital image of an original check that you remotely deposit through Mobile Deposit Services, you did not permit other or duplicate images of the original check which I am requesting it to be deposited or put through for collection; (e) is open. 5. I have instituted procedures to ensure that each original check was authorized by the drawer in the amount stated on the original check and to the payee stated on the original check, (f) the . 6. I am authorized to enforce each item transmitted or am authorized to obtain payment of each item on behalf of a person entitled to enforce such transmitted item. 7. The information you I provided to us is in my Application remains true and correct and, in the event of such information changes, I will immediately notify you will notify us immediately of the change; (g) you . 8. I have not knowingly failed to communicate any material information to us; (h) you will retain you. 9. I have possession of each original check deposited using Mobile Deposit Services for the required (60) sixty day retention period services and neither you nor any other no party will resubmit submit the original check for payment; (i) you will not use the Mobile Banking Services for any illegal activity or transactions; (j) files . 10. Files and images transmitted to us you will contain no viruses or any other disabling features that may have an adverse impact on our your network, date data or related systems; and (k) each check you submit for deposit is drawn in United States dollars on a financial institution located within the United States, excluding its territories.

Accountholder’s Warranties. You make the following warranties and representations with respect to your use of Mobile Deposit Services and each image of an original check you transmit to us using Mobile Deposit Services: (a) NECU utilizing MD: 1. Each image of a check transmitted to us NECU 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; (b) the . 2. The amount, the payee, signature(s), and endorsement(s) on the original check are legible, genuine, and accurate; (c) each check that you submit to us for deposit . 3. You will not be resubmitted in any format deposit or otherwise indorse to us or to any other person or a third party the original item (the original check) and no person will receive a transfer, presentment, or return of, or otherwise be charged for, the item (either the original item, or a paper or electronic representation of the original item) such that the person will be asked to make payment based on an item it negotiated or presented for payment to any financial institution for payment resulting in the same drawer’s account to be debited twice; (d) other has already paid. 4. Other than the digital image of an original check that you remotely deposit through Mobile Deposit Servicesyour MD, you did not permit there are no other or duplicate images of the original check check. 5. Where applicable, you have instituted procedures to be deposited or put through for collection; (e) ensure that each original check was authorized by the drawer in the amount stated on the original check and to the payee stated on the original check, (f) the . 6. You are authorized to enforce each item transmitted or am authorized to obtain payment of each item on behalf of a person entitled to enforce such transmitted item. 7. The information you provided to us is in your Application remains true and correct and, in the event any such information changes, you will immediately notify us immediately NECU of the change; (g) you . 8. You have not knowingly failed to communicate any material information to us; (h) you will retain NECU. 9. You have possession of each original check deposited using Mobile Deposit Services for the required (60) sixty day retention period MD and neither you nor any other no party will resubmit submit the original check for payment; (i) you will not use the Mobile Banking Services for any illegal activity or transactions; (j) files . 10. Files and images transmitted to us NECU will contain no viruses or any other disabling features that may have an adverse impact on our NECU’s network, date data, or related systems; and (k) each check you submit for deposit is drawn in United States dollars on a financial institution located within the United States, excluding its territories.

Accountholder’s Warranties. You make the following warranties and representations with respect to your use of Mobile Deposit Services and each image of an original check you transmit to us using Mobile Deposit Services: (a) Each image of a check transmitted to us 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; (b) the amount, the payee, signature(s), and endorsement(s) on the original check are legible, genuine, and accurate; (c) each check that you submit to us for deposit will not be resubmitted in any format to us or to any other person or the original of it negotiated or presented for payment to any financial institution for payment resulting in the same drawer’s account to be debited twice; (d) other than the digital image of an original check that you remotely deposit through Mobile Deposit Services, you did not permit other or duplicate images of the original check to be deposited or put through for collection; (e) each original check was authorized by the drawer in the amount stated on the original check and to the payee stated on the original check, (f) the information you provided to us is true and correct and, in the event such information changes, you will notify us immediately of the change; (g) you have not knowingly failed to communicate any material information to us; (h) you will retain possession of each original check deposited using Mobile Deposit Services for the required (60) sixty day retention period and neither you nor any other party will resubmit the original check for payment; (i) you will not use the Mobile Banking Services for any illegal activity or transactions; (j) files and images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on our network, date or related systems; and (k) each check you submit for deposit is drawn in United States dollars on a financial institution located within the United States, excluding its territories.. Our Digital Banking Services allow you to perform external transfers between your State Bank deposits accounts to your accounts at another financial institution. You agree that you will only attempt to add accounts for which you have the authority to transfer funds. All accounts requested to be used as part of this service will be verified in accordance with State Bank procedures. The verification process must be completed by you prior to using the service. Verification instructions are displayed to you during the enrollment process. enrolling in external transfers, you are authorizing State Bank to initiate debit entries to the financial institution account listed within the digital banking. You agree to maintain a sufficient balance in the referenced deposit account to fund the full debit amount on each scheduled transfer date. You acknowledge that this ACH transfer must comply with U.S. Law. State Bank reserves the right to revoke this authorization at any time. Recurring authorizations will remain in effect until revoked by you in writing or via the Digital Banking system. Revocation will not affect prior transactions. Any revocation must be submitted in writing to State Bank at 0000 X Xxxxx Xxxxx, Xxxxxxxx, XX 00000 or canceled through the Bank’s Digital Banking service at least three (3) banking days prior to the next scheduled transfer date. Funds requested to be transferred will be debited from your State Bank account the business day following the day you initiate the transfer, provided you have met the bank's cutoff time for submitting External Transfers. In the case of a future dated or recurring transfer, these time limits will be the business day following the scheduled date of the transfer. The cutoff time for initiating transfers is 4:00 p.m. Funds requested to be transferred will be credited to the non-State Bank account according to the receiving financial institution’s availability and transaction processing schedule. Request for immediate transfers of funds cannot be cancelled. Future dated and recurring transfers can be canceled by 3:30 p.m. the day prior to the scheduled transfer date. If the transfer status is In Process, Pending, or Processed, you cannot cancel the transfer. There currently are no fees for the Service. Fees are subject to change. Transfers are subject to the following limit unless otherwise agreed upon by you and State Bank. • Five (5) outbound transfers per day not to exceed a total of $10,000 The above limit applies to the total of all External Transfers of a specific type for all accounts enrolled in the Service. We may change your dollar limits and transfer limit at any time. These features are in addition to those listed above. • Initiate Tax Payments via the EFTPS system • Create NACHA formatted files (ACH Receipts/ACH Payments/Collection) • Add/Manage Users • Remote Deposit Capture

Accountholder’s Warranties. You make the following warranties and representations with respect to your use of Mobile Deposit Services and each image of an original check you transmit to us using utilizing the Mobile Deposit Services: (a) • Each image of a check transmitted to us is a true and accurate rendition of the front and back of the original checkcheck as of the time it is deposited through the Mobile Deposit Services, without any alteration, and the drawer of the check has no defense against payment of the check; (b) the . • The amount, the payee, signature(s), and endorsement(s) on the original check are legible, genuine, and accurate; (c) each check that you submit to us for deposit . • You will not be resubmitted in any format deposit or otherwise endorse to us or to any other person or a third party the original item (the original check) or image or copy thereof and no person will receive a transfer, presentment, or return of, or otherwise be charged for, the item (whether the original item, an electronic check, electronic returned check, substitute check, or a paper or electronic representation of the original item) such that the person will be asked to make payment based on an item it negotiated or presented for payment to any financial institution for payment resulting in the same drawer’s account to be debited twice; (d) other has already paid. • Other than the digital image of an original check that you remotely deposit through the Mobile Deposit Services, you did not permit there are no other or duplicate images of the original check check. • You have instituted procedures to be deposited or put through for collection; (e) ensure that each original check was authorized by the drawer in the amount stated on the original check and to the payee stated on the original check, (f) the information you provided . • You are authorized to us is true and correct and, in the event enforce each item transmitted or are authorized to obtain payment of each item on behalf of a person entitled to enforce such information changes, you will notify us immediately of the change; (g) you transmitted item. • You have not knowingly failed to communicate any material information to us; (h) . • Each check you submit for deposit has not been materially altered. • You will retain possession of each original check deposited using the Mobile Deposit Services for the required sixty (60) sixty day retention period and neither you nor any other no party will resubmit submit the original check for payment; (i) you will not use the Mobile Banking Services for any illegal activity or transactions; (j) files . • Files and images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on our network, date data, or related systems; and (k) each . • Each check you submit for deposit is drawn in United States dollars on a financial institution located within in the United States, excluding its territories. • You will not present the check more than once.

Accountholder’s Warranties. You make the following warranties and representations with respect to your use of Mobile Deposit Services and each image of an original check that you transmit to us using Mobile Deposit Services: (a) utilizing RDC: 1. Each such image of a check transmitted to us 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; (b) the . 2. The amount, the payee, signature(s), and endorsement(s) on the original check are legible, genuine, and accurate; (c) each check that you submit to us for deposit . 3. You will not be resubmitted in any format deposit or otherwise endorse to us or to any other person or a third party the original item (the original check) and no person will receive a transfer, presentment, or return of, or otherwise be charged for, the item (either the original item or a paper or electronic representation of it negotiated or presented for the original item) such that any person will be asked to make payment to any financial institution for payment resulting in the same drawer’s account to be debited twice; (d) other based on an item that has already been paid. 4. Other than the digital image of an original check that you remotely deposit through Mobile Deposit ServicesRDC, you did not permit there are no other or duplicate images of the original check check. 5. You have instituted procedures to be deposited or put through for collection; (e) ensure that each original check was authorized by the drawer in the amount stated on the original check and to the payee stated on the original check, (f) the . 6. You are authorized to enforce each item transmitted or are authorized to obtain payment of each item on behalf of a person entitled to enforce such transmitted item. 7. All information you have provided to us is remains true and correct and, in the event any such information changes, you will immediately notify us immediately of the change; (g) you . 8. You have not knowingly failed to communicate any material information to us; (h) you will retain . 9. You have possession of each original check deposited using Mobile Deposit Services for RDC, in accordance with the required (60) sixty day retention period Storage of Original Checks section below, and neither you nor any other no party will resubmit submit the original check for payment; (i) you will not use the Mobile Banking Services for any illegal activity or transactions; (j) files . 10. Files and images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on the Technology or our network, date data, or related systems; and (k) each check you submit for deposit is drawn in United States dollars on a financial institution located within the United States, excluding its territories.

Accountholder’s Warranties. You make agree to scan and deposit only checks as that term is defined in Federal Reserve Regulation CC (“Reg CC”). You agree that the following warranties and representations with respect to your use of Mobile Deposit Services and each image of an original check you transmit to us using Mobile Deposit Services: (athe 1) Each image of a check transmitted to us 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; (b. 2) the The amount, the payee, signature(s), and endorsement(s) on the original check are legible, genuine, and accurate; (c. 3) each check that you submit to us for deposit You will not be resubmitted in any format deposit or otherwise endorse to us or to any other person or a third party the original item (the original check) and no person will receive a transfer, presentment, or return of, or otherwise be charged for, the item (either the original item, or a paper or electronic representation of the original item) such that the person will be asked to make payment based on an item it negotiated or presented for payment to any financial institution for payment resulting in the same drawer’s account to be debited twice; (dhas already paid. 4) other Other than the digital image of an original check that you remotely deposit through Mobile Deposit our Services, you did not permit there are no other or duplicate images of the original check check. 5) You have instituted procedures to be deposited or put through for collection; (e) ensure that each original check was authorized by the drawer in the amount stated on the original check and to the payee stated on the original check, (f. 6) the You are authorized to enforce each item transmitted or are authorized to obtain payment of each item on behalf of a person entitled to enforce such transmitted item. 7) The information you provided to us is in your Application remains true and correct and, in the event any such information changes, you will immediately notify us immediately of the change; (g) you . 8) You have not knowingly failed to communicate any material information to us; (h. 9) you will retain You have possession of each original check deposited using Mobile Deposit the Services for the required (60) sixty day retention period and neither you nor any other no party will resubmit submit the original check for payment; (i. 10) you will not use the Mobile Banking Services for any illegal activity or transactions; (j) files Files and images transmitted to us SACU will contain no viruses or any other disabling features that may have an adverse impact on our network, date data, or related systems; and (k) each check you submit for deposit is drawn in United States dollars on a financial institution located within the United States, excluding its territories.

Accountholder’s Warranties. You make the following warranties and representations with respect to your use of Mobile Deposit Services and each image of an original check you transmit to us using Mobile Deposit Services: (a) Each image of a check transmitted to us 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; (b) the amount, the payee, signature(s), and endorsement(s) on the original check are legible, genuine, and accurate; (c) each check that you submit to us for deposit will not be resubmitted in any format to us or to any other person or the original of it negotiated or presented for payment to any financial institution for payment resulting in the same drawer’s account to be debited twice; (d) other than the digital image of an original check that you remotely deposit through Mobile Deposit Services, you did not permit other or duplicate images of the original check to be deposited or put through for collection; (e) each original check was authorized by the drawer in the amount stated on the original check and to the payee stated on the original check, (f) the information you provided to us is true and correct and, in the event such information changes, you will notify us immediately of the change; (g) you have not knowingly failed to communicate any material information to us; (h) you will retain possession of each original check deposited using Mobile Deposit Services for the required (60) sixty day retention period and neither you nor any other party will resubmit the original check for payment; (i) you will not use the Mobile Banking Services for any illegal activity or transactions; (j) files and images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on our network, date or related systems; and (k) each check you submit for deposit is drawn in United States dollars on a financial institution located within the United States, excluding its territories. An external transfer from your German American State Bank Mobile checking/savings account to mobile accounts at another institution must be initiated by 3:30 p.m. CST on a business day. A transfer completed after 3:30 p.m. CST or on a non-banking day, as specified above, will be posted on the next business day.