Common use of Certain Checks Not Permitted Clause in Contracts

Certain Checks Not Permitted. You may only use the Service to scan and transmit Eligible Checks made payable solely to you and which are properly endorsed by you. You agree that we are not obligated to accept for deposit any Check Image we receive and that we, in our discretion, determine to be ineligible for deposit using the Service. You may not use the Service to deposit: • Checks payable to others (even if endorsed over to you) and checks payable to more than one person (even if you are one of the payees); • Demand drafts or remotely created checks (i.e., checks lacking the signature of the person authorizing the check); • Substitute checks as defined by federal law (i.e., paper reproduction of an original check); • Checks that are irregular in any way (for example, where the numerical and written amounts are different); • Checks that have previously been cashed or deposited (either in paper form or electronically) or submitted for collection and returned unpaid for any reason; • Checks that are not dated, are postdated, or are more than ninety (90) days old; • Checks payable in a foreign currency; • Checks payable to “Cash” or checks issued by you which are payable to you; • Registered government warrants; • Checks you know or suspect may be fraudulent, forged, altered or not properly authorized; • Checks that do not bear the original signature of the person on whose account the check is drawn; or • Checks that exceed the deposit limits that we establish for the Service. The fact that we accept any of the items described above shall not obligate us to continue that practice, and we may stop doing so without cause or prior notice. Our failure to identify a Check Image you transmit as not being an Eligible Check shall not preclude or limit your obligations to us under this Agreement. We may refuse any check for deposit through the Service, with or without cause, or may elect to take a check on a collection basis only. If we accept a check on a collection basis, we will send it to the institution upon which it is drawn, but will not credit your account for the amount until we receive the funds from the other institution. If we elect to credit your account before then, we will charge the amount back against your account if we do not receive payment for any reason. We may, at our sole discretion, represent any check that has been returned to us for insufficient funds without notice to you.

Certain Checks Not Permitted. You may only use the Service to scan and transmit Eligible Checks made payable solely to you and which are properly endorsed by you. You agree that we are not obligated to accept for deposit any Check Image we receive and that we, in our discretion, determine to be ineligible for deposit using the Service. You may not use the Service service to deposit: • : a. Checks payable to others (even if endorsed over to you) and checks payable to more than one person (even if you are one of the payees); • ; b. Demand drafts or remotely created checks (i.e., checks lacking the original signature of the person authorizing the check); • ; c. Substitute checks as defined by federal law (i.e., the front and back of paper reproduction checks created from an electronic image) and checks that are not printed with the maker’s information. A “substitute check” is a representation of an the front and back of a check that includes the following on the front of the document: “This is a legal copy of your check. You can use it the same way you would use the original check); • ”; d. Checks that are irregular in any way (for examplee.g., where the numerical and written amounts are different); • ; e. Checks that have previously been cashed or deposited (either in paper form or electronically) or submitted for collection and returned unpaid for any reason; • ; f. Checks that are not dated, are postdated, postdated or are more than ninety (90) days 6 months old; • ; g. Checks drawn on a foreign bank or payable in a foreign currency; • ; h. Checks payable to “Cash” or checks issued by you ”; i. Checks drawn on the account into which are payable to you; • the check is being deposited; j. Registered government warrants; • ; k. Checks you know or suspect may be fraudulent, forged, altered fraudulent or not properly authorized; • Checks that do not bear the original signature of the person on whose account the check is drawn; or • or l. Checks that exceed the deposit limits that we establish for the Servicemaximum daily aggregate limit set forth below. The fact that we accept Our processing of any of the items Checks described above shall not obligate us to continue that practice, and we may stop doing so without cause or prior notice. Our failure We reserve the right to identify a Check Image you transmit as not being an Eligible Check shall not preclude or limit your obligations to us under modify the types of Checks acceptable for this Agreementservice at any time without prior notice. We may refuse any check Check for deposit through the Servicedeposit, with or without cause, or may elect to take a check Check on a collection basis only. If we accept a check on a collection basisCheck for collection, we will send it to the institution upon which it is drawn, but will not credit your account for the amount until we receive the funds from the other institution. If we elect to credit your account before then, we will may charge the amount back against your account if we do not receive payment for any reason. We may, at our sole discretion, represent any check that has been returned may also change the amount of your deposit to us for insufficient funds without notice to youthe legal amount of the Check.

Certain Checks Not Permitted. You may only use the Service to scan and transmit Eligible Checks made payable solely to you and which are properly endorsed by you. You agree that we are not obligated to accept for deposit any Check Image we receive and that we, in our discretion, determine to be ineligible for deposit using the Service. You may not use the Service to deposit: • ● Checks payable to others (even if endorsed over to you) and checks payable to more than one person (even if you are one of the payees); • ● Demand drafts or remotely created checks (i.e., checks lacking the signature of the person authorizing the check); • ● Substitute checks as defined by federal law (i.e., paper reproduction of an original check); • ● Checks that are irregular in any way (for example, where the numerical and written amounts are different); • ● Checks that have previously been cashed or deposited (either in paper form or electronically) or submitted for collection and returned unpaid for any reason; • ● Checks that are not dated, are postdated, or are more than ninety (90) days old; • ● Checks payable in a foreign currency; • ● Checks payable to “Cash” or checks issued by you which are payable to you; • ● Registered government warrants; • ● Checks you know or suspect may be fraudulent, forged, altered or not properly authorized; • ● Checks that do not bear the original signature of the person on whose account the check is drawn; or • ● Checks that exceed the deposit limits that we establish for the Service. The fact that we accept any of the items described above shall not obligate us to continue that practice, and we may stop doing so without cause or prior notice. Our failure to identify a Check Image you transmit as not being an Eligible Check shall not preclude or limit your obligations to us under this Agreement. We may refuse any check for deposit through the Service, with or without cause, or may elect to take a check on a collection basis only. If we accept a check on a collection basis, we will send it to the institution upon which it is drawn, but will not credit your account for the amount until we receive the funds from the other institution. If we elect to credit your account before then, we will charge the amount back against your account if we do not receive payment for any reason. We may, at our sole discretion, represent any check that has been returned to us for insufficient funds without notice to you.

Certain Checks Not Permitted. You may only use the Mobile Deposit Service to scan and transmit Eligible Checks made payable solely to you and which are properly endorsed by you. You agree that we are not obligated to accept for deposit any Check Image we receive and that we, in our discretion, determine to be ineligible for deposit using the Mobile Deposit Service. You may not use the Mobile Deposit Service to deposit: • Checks payable to others (even if endorsed over to you) and checks payable to more than one person (even if you are one of the payees); • Demand drafts or remotely created checks (i.e., checks lacking the signature of the person authorizing the check); • Substitute checks as defined by federal law (i.e., paper reproduction of an original check); • Checks that are irregular in any way (for example, where the numerical and written amounts are different); • Checks that have previously been cashed or deposited (either in paper form or electronically) or submitted for collection and returned unpaid for any reason; • Checks that are not dated, are postdated, or are more than ninety (90) days old; • Checks payable in a foreign currency; • Checks payable to “Cash” or checks issued by you which are payable to you; • Registered government warrants; • Checks you know or suspect may be fraudulent, forged, altered or not properly authorized; • Checks that do not bear the original signature of the person on whose account the check is drawn; or • Checks that exceed the deposit limits that we establish for the Mobile Deposit Service. The fact that we accept any of the items described above shall not obligate us to continue that practice, and we may stop doing so without cause or prior notice. Our failure to identify a Check Image you transmit as not being an Eligible Check shall not preclude or limit your obligations to us under this Agreement. We may refuse any check for deposit through the Mobile Deposit Service, with or without cause, or may elect to take a check on a collection basis only. If we accept a check on a collection basis, we will send it to the institution upon which it is drawn, but will not credit your primary deposit account for the amount until we receive the funds from the other institution. If we elect to credit your primary deposit account before then, we will charge the amount back against your primary deposit account if we do not receive payment for any reason. We may, at our sole discretion, represent any check that has been returned to us for insufficient funds without notice to you.

Certain Checks Not Permitted. You may only use the Service only to scan and transmit Eligible deposit original paper Checks made that are payable solely only to you and which are properly endorsed by one or more of you. You agree that we are not obligated , Xxxxxx Xxxxxxx Private Bank, National Association, or to accept for deposit any Check Image we receive and that we, in our discretion, determine to be ineligible for deposit using the ServiceE*TRADE. You may not use the Service to deposit: • Checks payable to others (even if endorsed over to you) and checks ); • Checks made payable to more than one person (even if you are one a modification of the payeesname listed on your account (e.g. payee must match the account registration); • Demand drafts or remotely created checks Checks (i.e.e.g., checks Checks lacking the original signature of the person authorizing the checkCheck); • Substitute checks as defined by federal law Checks (i.e.e.g., paper reproduction Checks created from an electronic image); • Starter Checks; • Loan Checks or Line of an original check)Credit Checks; • Credit Card Checks; • Checks that are irregular in any way (for examplee.g., where the numerical and written amounts are different); • Checks that have previously been cashed or deposited (either in paper form or electronically) or submitted for collection and returned unpaid for any reason; • Checks that are not dated, are postdated, postdated or are more than ninety (90) days six months old; • Checks drawn on a foreign bank or payable in a foreign currency; • Checks payable to “Cash” or checks issued by you which are payable to you; • Registered government warrants”, if the check is drawn from a third party account; • Checks you know or suspect may be fraudulent, forged, altered fraudulent or not properly authorized; • Checks that do not bear the original signature of the person on whose account the check is drawnMoney Orders or Traveler’s Checks; or • Checks that exceed the deposit limits that we establish for the Servicetotaling more than $250,000 to be deposited into all your Accounts on any single business day. The fact that we accept Our processing of any of the items Checks described above shall will not obligate us to continue that practice, and we may stop doing so without cause or prior notice. Our failure We reserve the right to identify a refuse to accept any Check Image you transmit as not being an Eligible Check shall not preclude or limit your obligations to us under this Agreement. We may refuse any check for deposit through the Servicedeposit, with or without cause, or may elect to take a check Check on a collection basis only, and we will not be liable to you for any damages if we take either action. If we accept a check Check on a collection basis, we will send it to the institution upon which it is drawn, but will not credit your account Account for the amount until we receive the funds from the other institution. If we elect to credit your account Account before then, we will may charge the amount back against your account Account if we do not receive payment for any reason. We may, at our sole discretion, represent any check that has been returned Please see your Account Agreement for other terms related to us for insufficient funds without notice to youdeposits.

Certain Checks Not Permitted. You may only use the Mobile Deposit Service to scan and transmit Eligible Checks made payable solely to you and which are properly endorsed by you. You agree that we are not obligated to accept for deposit any Check Image we receive and that we, in our discretion, determine to be ineligible for deposit using the Mobile Deposit Service. You may not use the Mobile Deposit Service to deposit: • Checks payable to others (even if endorsed over to you) and checks payable to more than one person (even if you are one of the payees); • Demand drafts or remotely created checks (i.e., checks lacking the signature of the person authorizing the check); • Substitute checks as defined by federal law (i.e., paper reproduction of an original check); • Checks that are irregular in any way (for example, where the numerical and written amounts are different); • Checks that have previously been cashed or deposited (either in paper form or electronically) or submitted for collection and returned unpaid for any reason; • Checks that are not dated, are postdated, or are more than ninety (90) 90 days old; • Checks payable in a foreign currency; • Checks payable to “Cash” or checks issued by you which are payable to you; • Registered government warrants; • Checks you know or suspect may be fraudulent, forged, altered altered, or not properly authorized; • Checks that do not bear the original signature of the person on whose account the check is drawn; or • Checks that exceed the deposit limits that we establish for the Mobile Deposit Service. The fact that we accept any of the items described above shall will not obligate us to continue that practice, and we may stop doing so without cause or prior notice. Our failure to identify a Check Image you transmit as not being an Eligible Check shall will not preclude or limit your obligations to us under this Agreement. We may refuse any check for deposit through the Mobile Deposit Service, with or without cause, or may elect to take a check on a collection basis only. If we accept a check on a collection basis, we will send it to the institution upon which it is drawn, but will not credit your primary deposit account for the amount until we receive the funds from the other institution. If we elect to credit your primary deposit account before then, we will charge the amount back against your primary deposit account if we do not receive payment for any reason. We may, at our sole discretion, represent any check that has been returned to us for insufficient funds without notice to you.

Certain Checks Not Permitted. You may only use the Service to scan and transmit Eligible Checks made payable solely to you and which are properly endorsed by you. You agree that we are not obligated to accept for deposit any Check Image we receive and that we, in our discretion, determine to be ineligible for deposit using the Service. You may not use the Service to deposit: • Checks payable to others (even if endorsed over to you) and checks payable to more than one person (even if you are one of the payees); • Demand drafts or remotely created checks (i.e., checks lacking the signature of the person authorizing the check); • Substitute checks as defined by federal law (i.e., paper reproduction of an original check); • Checks that are irregular in any way (for example, where the numerical and written amounts are different); • Checks that have previously been cashed or deposited (either in paper form or electronically) or submitted for collection and returned unpaid for any reason; • Checks that are not dated, are postdated, or are more than ninety (90) days old; • Checks payable in a foreign currency; • Checks payable to “Cash” or checks issued by you which are payable to you; • Registered government warrants; • Checks you know or suspect may be fraudulent, forged, altered or not properly authorized; • Checks that do not bear the original signature of the person on whose account the check is drawn; or • Checks that exceed the deposit limits that we establish for the Service. The fact that we accept any of the items described above shall not obligate us to continue that practice, and we may stop doing so without cause or prior notice. Our failure to identify a Check Image you transmit as not being an Eligible Check shall not preclude or limit your obligations to us under this Agreementagreement. We may refuse any check for deposit through the Service, with or without cause, or may elect to take a check on a collection basis only. If we accept a check on a collection basis, we will send it to the institution upon which it is drawn, but will not credit your account for the amount until we receive the funds from the other institution. If we elect to credit your account before then, we will charge the amount back against your account if we do not receive payment for any reason. We may, at our sole discretion, represent any check that has been returned to us for insufficient funds without notice to you.

Certain Checks Not Permitted. You may only use the Mobile Deposit Service to scan and transmit Eligible Checks made payable solely to you and which are properly endorsed by you. You agree that we are not obligated to accept for deposit any Check Image we receive and that we, in our discretion, determine to be ineligible for deposit using the Mobile Deposit Service. You may not use the Mobile Deposit Service to deposit: •  Checks payable to others (even if endorsed over to you) and checks payable to more than one person (even if you are one of the payees); •  Demand drafts or remotely created checks (i.e., checks lacking the signature of the person authorizing the check); •  Substitute checks as defined by federal law (i.e., paper reproduction of an original check); •  Checks that are irregular in any way (for example, where the numerical and written amounts are different); •  Checks that have previously been cashed or deposited (either in paper form or electronically) or submitted for collection and returned unpaid for any reason; •  Checks that are not dated, are postdated, or are more than ninety (90) 90 days old; •  Checks payable in a foreign currency; •  Checks payable to “Cash” or checks issued by you which are payable to you; •  Registered government warrants; •  Checks you know or suspect may be fraudulent, forged, altered altered, or not properly authorized; •  Checks that do not bear the original signature of the person on whose account the check is drawn; or •  Checks that exceed the deposit limits that we establish for the Mobile Deposit Service. The fact that we accept any of the items described above shall will not obligate us to continue that practice, and we may stop doing so without cause or prior notice. Our failure to identify a Check Image you transmit as not being an Eligible Check shall will not preclude or limit your obligations to us under this Agreement. We may refuse any check for deposit through the Mobile Deposit Service, with or without cause, or may elect to take a check on a collection basis only. If we accept a check on a collection basis, we will send it to the institution upon which it is drawn, but will not credit your primary deposit account for the amount until we receive the funds from the other institution. If we elect to credit your primary deposit account before then, we will charge the amount back against your primary deposit account if we do not receive payment for any reason. We may, at our sole discretion, represent any check that has been returned to us for insufficient funds without notice to you.

Certain Checks Not Permitted. You may only use the Service to scan and transmit Eligible Checks made payable solely to you and which are properly endorsed by you. You agree that we are not obligated to accept for deposit any Check Image we receive and that we, in our discretion, determine to be ineligible for deposit using the Service. You may not use the Service to deposit: •  Checks payable to others (even if endorsed over to you) and checks payable to more than one person (even if you are one of the payees); •  Demand drafts or remotely created checks (i.e., checks lacking the signature of the person authorizing the check); •  Substitute checks as defined by federal law (i.e., paper reproduction of an original check); •  Checks that are irregular in any way (for example, where the numerical and written amounts are different); •  Checks that have previously been cashed or deposited (either in paper form or electronically) or submitted for collection and returned unpaid for any reason; •  Checks that are not dated, are postdated, or are more than ninety (90) days old; •  Checks payable in a foreign currency; •  Checks payable to “Cash” or checks issued by you which are payable to you; •  Registered government warrants; •  Checks you know or suspect may be fraudulent, forged, altered or not properly authorized; •  Checks that do not bear the original signature of the person on whose account the check is drawn; or •  Checks that exceed the deposit limits that we establish for the Service. The fact that we accept any of the items described above shall not obligate us to continue that practice, and we may stop doing so without cause or prior notice. Our failure to identify a Check Image you transmit as not being an Eligible Check shall not preclude or limit your obligations to us under this Agreement. We may refuse any check for deposit through the Service, with or without cause, or may elect to take a check on a collection basis only. If we accept a check on a collection basis, we will send it to the institution upon which it is drawn, but will not credit your account for the amount until we receive the funds from the other institution. If we elect to credit your account before then, we will charge the amount back against your account if we do not receive payment for any reason. We may, at our sole discretion, represent any check that has been returned to us for insufficient funds without notice to you.

Certain Checks Not Permitted. You may only use the Service to scan and transmit Eligible Checks made payable solely to you and which are properly endorsed by you. You agree that we are not obligated to accept for deposit any Check Image we receive and that we, in our discretion, determine to be ineligible for deposit using the Service. You may not use the Service service to deposit: • : i. Checks payable to others (even if endorsed over to you) and checks payable to more than one person (even if you are one of the payees); • ; ii. Demand drafts or remotely created checks (i.e., checks lacking the original signature of the person authorizing the check); • ; iii. Substitute checks as defined by federal law (i.e., the front and back of paper reproduction checks created from an electronic image) and checks that are not printed with the maker’s information. A “substitute check” is a representation of an the front and back of a check that includes the following on the front of the document: “This is a legal copy of your check. You can use it the same way you would use the original check); • ”; iv. Checks that are irregular in any way (for examplee.g., where the numerical and written amounts are different); • ; v. Checks that have previously been cashed or deposited (either in paper form or electronically) or submitted for collection and returned unpaid for any reason; • ; vi. Checks that are not dated, are postdated, postdated or are more than ninety (90) days 6 months old; • ; vii. Checks drawn on a foreign bank or payable in a foreign currency; • ; viii. Checks payable to “Cash” or checks issued by you ”; ix. Checks drawn on the account into which are payable to you; • the check is being deposited; x. Registered government warrants; • ; xi. Checks you know or suspect may be fraudulent, forged, altered fraudulent or not properly authorized; • Checks that do not bear the original signature of the person on whose account the check is drawn; or • or xii. Checks that exceed the deposit limits that we establish for the Servicemaximum daily aggregate limit set forth below. The fact that we accept Our processing of any of the items Checks described above shall not obligate us to continue that practice, and we may stop doing so without cause or prior notice. Our failure We reserve the right to identify a Check Image you transmit as not being an Eligible Check shall not preclude or limit your obligations to us under modify the types of Checks acceptable for this Agreementservice at any time without prior notice. We may refuse any check Check for deposit through the Servicedeposit, with or without cause, or may elect to take a check Check on a collection basis only. If we accept a check on a collection basisCheck for collection, we will send it to the institution upon which it is drawn, but will not credit your account for the amount until we receive the funds from the other institution. If we elect to credit your account before then, we will may charge the amount back against your account if we do not receive payment for any reason. We may, at our sole discretion, represent any check that has been returned may also change the amount of your deposit to us for insufficient funds without notice to youthe legal amount of the Check.

Certain Checks Not Permitted. You may only use the Service to scan and transmit Eligible Checks made payable solely to you and which are properly endorsed by you. You agree that we are not obligated to accept for deposit any Check Image we receive and that we, in our discretion, determine to be ineligible for deposit using the Service. You may not use the Service service to deposit: • : a. Checks payable to others (even if endorsed over to you) and checks payable to more than one person (even if you are one of the payees); • ; b. Demand drafts or remotely created checks (i.e.that is, checks lacking the original signature of the person authorizing the check); • ; c. Substitute checks as defined by federal law (i.e.that is, the front and back of paper reproduction checks created from an electronic image) and checks that are not printed with the maker’s information. A “substitute check” is a representation of an the front and back of a check that includes the following on the front of the document: “This is a legal copy of your check. You can use it the same way you would use the original check); • ”; d. Checks that are irregular in any way (for example, where the numerical and written amounts are different); • ; e. Checks that have previously been cashed or deposited (either in paper form or electronically) or submitted for collection and returned unpaid for any reason; • ; f. Checks that are not dated, are postdated, postdated or are more than ninety (90) days 6 months old; • ; g. Checks drawn on a foreign bank or payable in a foreign currency; • ; h. Checks payable to “Cash” or checks issued by you ”; i. Checks drawn on the account into which are payable to you; • the check is being deposited; j. Registered government warrants; • ; k. Checks you know or suspect may be fraudulent, forged, altered fraudulent or not properly authorized; • Checks that do not bear the original signature of the person on whose account the check is drawn; or • or l. Checks that exceed the deposit limits that we establish for the Servicemaximum daily aggregate limit set forth below. The fact that we accept Our processing of any of the items Checks described above shall not obligate us to continue that practice, and we may stop doing so without cause or prior notice. Our failure We reserve the right to identify a Check Image you transmit as not being an Eligible Check shall not preclude or limit your obligations to us under modify the types of Checks acceptable for this Agreementservice at any time without prior notice. We may refuse any check Check for deposit through the Servicedeposit, with or without cause, or may elect to take a check Check on a collection basis only. If we accept a check on a collection basisCheck for collection, we will send it to the institution upon which it is drawn, but will not credit your account for the amount until we receive the funds from the other institution. If we elect to credit your account before then, we will may charge the amount back against your account if we do not receive payment for any reason. We may, at our sole discretion, represent any check that has been returned may also change the amount of your deposit to us for insufficient funds without notice to youthe legal amount of the Check.