Common use of Check and Check Image Requirements Clause in Contracts

Check and Check Image Requirements. Any Image that you transmit to us must accurately and legibly provide all the information on the front and back of the check at the time it is presented to you by the payer. Prior to capturing the front and back of the Image of the original check, you will endorse the back of the check. Your endorsement will include your Account Number and the words “FCCU For Mobile Deposit Only”. A check and any Image transmitted via the Service must include the accurate and legible presentation of the following and other features as appropriate: • Pre-printed information that identifies the check payer and the financial institution on which the original check is drawn; • The MICR encoded account number and financial institution routing and transit number; • The date the check was written; • The payer’s signature(s); and • Other information placed on the check prior to the time an Image is captured, such as any endorsements applied to the back of the check and “FCCU For Mobile Deposit Only.” The image quality of the check will meet the standards for image quality established by the American National Standards Institute (“ANSI”), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Rejection of Deposit You understand that you are solely responsible for any service charges, overdraft charges, late fees, and returned check/non-sufficient funds charges levied against you, your Account, or any accounts you may have at other financial institutions that may result from our rejection of any item, check holds, or deposit delays of any kind. You understand that if an item you transmit to us for deposit is rejected, we will send an e- mail to you at the e-mail address we have on file for your Account to alert you of the rejection within 2 business days of the date we receive the original transmission of your item. Further, you understand that we are not responsible if, for any reason, you do not receive our e-mail.

Check and Check Image Requirements. Any Image that you transmit to us must accurately and legibly provide all the information on the front and back of the check at the time it is presented to you by the payer. Prior to capturing the front and back of the Image of the original check, you will endorse the back of the check. Your endorsement will include your Account Number and the words “"FCCU For Mobile Deposit Only”". A check and any Image transmitted via the Service must include the accurate and legible presentation of the following and other features as appropriate: • Pre-printed information that identifies the check payer and the financial institution on which the original check is drawn; • The MICR encoded account number and financial institution routing and transit number; • The date the check was written; • The payer’s signature(s); and • Other information placed on the check prior to the time an Image is captured, such as any endorsements applied to the back of the check and “"FCCU For Mobile Deposit Only.” " The image quality of the check will meet the standards for image quality established by the American National Standards Institute (“"ANSI”"), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Rejection of Deposit You understand that you are solely responsible for any service charges, overdraft charges, late fees, and returned check/non-sufficient funds charges levied against you, your Account, or any accounts you may have at other financial institutions that may result from our rejection of any item, check holds, or deposit delays of any kind. You understand that if an item you transmit to us for deposit is rejected, we will send an e- e-mail to you at the e-mail address we have on file for your Account to alert you of the rejection within 2 business days of the date we receive the original transmission of your item. Further, you understand that we are not responsible if, for any reason, you do not receive our e-mail.

Check and Check Image Requirements. Any Image that you transmit to us must accurately and legibly provide all the information on the front and back of the check at the time it is presented to you by the payer. Prior to capturing the front and back of the Image of the original check, you will endorse the back of the check. Your endorsement will include your Account Number and the words “"FCCU For Mobile Deposit Only”". A check and any Image transmitted via the Service must include the accurate and legible presentation of the following and other features as appropriate: • Pre-printed information that identifies the check payer and the financial institution on which the original check is drawn; • The MICR encoded account number and financial institution routing and transit number; • The date the check was written; • The payer’s signature(s); and • Other information placed on the check prior to the time an Image is captured, such as any endorsements applied to the back of the check and “"FCCU For Mobile Deposit Only.” " The image quality of the check will meet the standards for image quality established by the American National Standards Institute (“"ANSI”"), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Rejection of Deposit You understand that you are solely responsible for any service charges, overdraft charges, late fees, and returned check/non-sufficient funds charges levied against you, your Account, or any accounts you may have at other financial institutions that may result from our rejection of any item, check holds, or deposit delays of any kind. You understand that if an item you transmit to us for deposit is rejected, we will send an e- mail to you at the e-mail address we have on file for your Account to alert you of the rejection within 2 business days of the date we receive the original transmission of your item. Further, you understand that we are not responsible if, for any reason, you do not receive our e-mail.

Check and Check Image Requirements. Any Image image of an original item that you transmit to us must accurately and legibly provide all the information on the front and back of the check original item at the time it is was presented to you by the payer. Prior to capturing the front and back of the Image image of the original checkitem, you will must endorse the back of the checkitem. Your endorsement will must include your Account Number signature and the words “FCCU For Mobile Deposit Only”your account number. A check The original item and any Image image of the original item transmitted via the Service must include the accurate and legible presentation of the following information and other features and information as appropriate: • Pre-printed Unaltered preprinted information that identifies the check payer and the financial institution on which the original check item is drawn; • The unaltered MICR encoded account number and financial institution routing and transit number; • The unaltered date the check was written; • The unaltered payer’s signature(s)signature; and • Other unaltered information placed on the check item prior to the time an Image image of the item is captured, such as any endorsements applied to the back of the check item; and “FCCU For Mobile Deposit Only.” • The image quality of the check will item must meet the basic standards for image quality for remote deposit captured items as established by the American National Standards Institute (“ANSI”), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association, or by us, or by applicable law. Rejection Both the front and back of Deposit each item must be transmitted to us as provided in any user guide or other instructions provided to you by us or the Service, including on-screen instructions. We, in our sole discretion, may refuse to accept any items that do not meet our image quality requirements, which we may change at our sole discretion. This includes, without limitation, items where: • The front and/or back image is too large or too small; • The front and/or back image is too light or too dark; • The front and/or back images have a dimension or other mismatch or discrepancy; • The image has torn or folded edges, cut corners, or other damage; • The image does not comply with the standards for image quality established from time to time by the American National Standard Institute (ANSI), the Federal Reserve Board, any other regulatory agency, clearing house or association, or by us, or by applicable law. UNACCEPTABLE ITEMS FOR DEPOSIT You understand and agree that you are solely responsible for not permitted to deposit the following items using the Service: • Any item payable to any service charges, overdraft charges, late fees, and returned check/non-sufficient funds charges levied against person other than you and/or the joint accountholder; • Any item drawn on your account; • Any item issued by you, or by any other person on any of your Accountaccounts or any account on which you are an authorized signer or joint account holder, or any accounts account of a business entity of which you may have at other financial institutions are a principal, officer or authorized signer; • Any item that may result from our rejection of any itemis stamped “non-negotiable”, check holds“void”, or deposit delays any other word indicating that the item is not valid; • Any item that contains any altered information; • Any item that you know or suspect, or should know or suspect, is fraudulent or otherwise not authorized by the issuer; • Any item that is a substitute check as defined by Check 21 or image replacement documents that purport to be substitute checks and which have been previously endorsed by a financial institution; • Any item issued by a financial institution in a foreign country, or is written for an amount in non U.S. currency; • Any item that is incomplete or contains incomplete information; • Any item that is “post-dated” (i.e., dated more than one day after the date of deposit) or “staledated” (i.e., dated more than six (6) months prior to the date of deposit; • Any third party check i.e., any kind. You understand item that if an item you transmit is payable to us for deposit is rejected, we will send an e- mail another party and then endorsed to you at the e-mail address we have on file for your Account by that party; • Any item having a duplicate MICR code line; • Any item missing or having an invalid or incorrect routing number; • Any item that is a photocopy or otherwise not an original paper item when they are scanned; • Any item that has been issued to alert you of the rejection within 2 business days of the date we receive the original transmission of your item. Furthermultiple parties; • Any item that has been previously negotiated or deposited into any account; • Any item over $5,000; • Any item with qualified, you understand that we conditional, restrictive, and/or special endorsements; • Any item payable to more than one individual where all parties are not responsible if, signers on the account; • Bonds • Any item that has previously been deposited and been returned unpaid for any reason; • Any item that does not qualify as “original checks” as defined in Regulation CC; In the event that you breach any of these representations and warranties, you do not receive agree to defend, indemnify and hold us and our e-mailagents harmless from and against all liability, damages, and loss arising out of any claims, suits or demands brought by third parties with respect to any such breach.