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 the RDC service every time you transmit an item for deposit. • 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 other than proper endorsement, and the payor of the check has no defense against payment of the check. • The amount, the payee, signature(s), and endorsement(s) on the original check are legible, genuine, and accurate. • Each check that you submit to us for deposit will not be resubmitted in any format to us or to any other entity for payment. • There are no other duplicate images of the original check, other than the digital image of an original check that you remotely deposit through the service. • Each original check was authorized by the payor in the amount stated on the original check and to the payee stated on the original check. • You have not knowingly failed to communicate any material information to us. • You will retain possession of each original check deposited using the service for the required retention period and neither you nor any other party will submit the original check for payment. • You will not use the service or your accounts for any illegal activity or transactions. • Files and images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on the OCCU network, data, or computer systems.

Accountholder’s Warranties. You make the following warranties and representations with respect to your use each image of the RDC service every time an original check you transmit an item for deposit. to us utilizing the Service: • 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 other than proper endorsement, and the payor of the check has no defense against payment of the checkalterations. • The amount, the payee, signature(s), and endorsement(s) on the original check are legible, genuine, and accurate. • Each check that you submit to us for deposit You will not deposit or otherwise endorse to a third party the original item (the original check) and no person will receive a transfer, presentment, or return of, or otherwise be resubmitted in any format to us charged for, the item (either the original item, or to any other entity for payment. • There are no other duplicate images a paper or electronic representation of the original check, other item) such that the person will be asked to make payment based on an item it has already paid. • Other than the digital image of an original check that you remotely deposit through the service. • Each original check was authorized by the payor in the amount stated on the original check and to the payee stated on Service, there are no other duplicate images of the original check. • You have not knowingly failed to communicate any material information to us. • You will retain have possession of each original check you have deposited using the service for the required retention period Service and neither you nor any other no party will re-submit the any original check for payment. • You will not use the service payment that has already been submitted to us or your accounts for any illegal activity or transactionsto another financial institution. • Files and images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on the OCCU our network, data, or computer related systems.

Accountholder’s Warranties. You make the following warranties and representations with respect to your use of the RDC service every time Altra Mobile Deposit and each image of an original check you transmit an item for depositto us using the Service: • You have the authority to enter into this Agreement and perform your obligations hereunder. • 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 other than proper endorsement, and the payor of the check has no defense against payment of the checkalteration. • The amount, the payee, signature(s), and endorsement(s) on the original check are legible, genuine, and accurate. • Each check that you submit to us for deposit will not be resubmitted in any format to us or to any other entity person for payment. • There are no other duplicate images of payment and will not cause the original check, other than the digital image of an original check that you remotely deposit through the servicesame drawer’s account to be debited twice. • Each original check was authorized by the payor drawer in the amount stated on the original check and to the payee stated on the original check. • You have not knowingly failed to communicate any material information to us. • You will retain possession of each original check deposited using the service Altra Mobile Deposit for the required retention period and neither you nor any other party will submit the original check for payment. • You will not use the service or Altra Mobile Deposit and/or your accounts for any illegal activity or transactions. • Files and images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on the OCCU our network, data, or computer related systems. • All information provided by you is accurate and true.

Accountholder’s Warranties. You make the following warranties and representations with respect to your use of the RDC service every time Services and each image of an original check you transmit an item for deposit. to us using 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 other than proper endorsementalteration, and the payor drawer of the check has no defense against payment of the check. • The amount, the payee, signature(s), and endorsement(s) on the original check are legible, genuine, and accurate. • Each check that you submit to us for deposit will not be resubmitted in any format to us or to any other entity person for paymentpayment and will not cause the same drawer’s account to be debited twice. • There are no other duplicate images of the original check, other Other than the digital image of an original check that you remotely deposit through the serviceServices, there are no other duplicate images of the original check. • Each original check was authorized by the payor drawer in the amount stated on the original check and to the payee stated on the original check. • You have not knowingly failed to communicate any material information to us. • You will retain possession of each original check deposited using the service Services for the required retention period and neither you nor any other party will submit the original check for payment. • You will not use the service or Services and/or your accounts for any illegal activity or transactions. • Files and images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on the OCCU our network, data, or computer related systems.

Accountholder’s Warranties. You make the following warranties and representations with respect to your use of the RDC service every time Services and each image of an original check you transmit an item for deposit. to us using 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 other than proper endorsementalteration, and the payor drawer of the check has no defense against payment of the check. • The amount, the payee, signature(s), and endorsement(s) on the original check are legible, genuine, and accurate. accurate • Each check that you submit to us for deposit will not be resubmitted in any format to us or to any other entity person for paymentpayment and will not cause the same drawer’s account to be debited twice. • There are no other duplicate images of the original check, other Other than the digital image of an original check that you remotely deposit through the serviceServices, there are no other duplicate images of the original check. • Each original check was authorized by the payor drawer in the amount stated on the original check and to the payee stated on the original check. • You have not knowingly failed to communicate any material information to us. • You will retain possession of each original check deposited using the service Services for the required retention period and neither you nor any other party will submit the original check for payment. • You will not use the service or Services and/or your accounts for any illegal activity or transactions. • Files and images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on the OCCU our network, data, or computer related systems.

Accountholder’s Warranties. You make the following warranties and representations with respect to your use of the RDC MRDC service every time you transmit an item for deposit. • 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 other than proper endorsement, and the payor of the check has no defense against payment of the check. • The amount, the payee, signature(s), and endorsement(s) on the original check are legible, genuine, and accurate. • Each check that you submit to us for deposit will not be resubmitted in any format to us or to any other entity for payment. • There are no other duplicate images of the original check, other than the digital image of an original check that you remotely deposit through the service. • Each original check was authorized by the payor in the amount stated on the original check and to the payee stated on the original check. • You have not knowingly failed to communicate any material information to us. • You will retain possession of each original check deposited using the service for the required retention period and neither you nor any other party will submit the original check for payment. • You will not use the service or your accounts for any illegal activity or transactions. • Files and images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on the OCCU WRCU network, data, or computer systems.